-- phpMyAdmin SQL Dump -- version 5.2.0 -- https://www.phpmyadmin.net/ -- -- Хост: localhost -- Время создания: Май 16 2024 г., 14:14 -- Версия сервера: 8.0.35-27 -- Версия PHP: 7.4.33 SET SQL_MODE = "NO_AUTO_VALUE_ON_ZERO"; SET time_zone = "+00:00"; /*!40101 SET @OLD_CHARACTER_SET_CLIENT=@@CHARACTER_SET_CLIENT */; /*!40101 SET @OLD_CHARACTER_SET_RESULTS=@@CHARACTER_SET_RESULTS */; /*!40101 SET @OLD_COLLATION_CONNECTION=@@COLLATION_CONNECTION */; /*!40101 SET NAMES utf8mb4 */; -- -- База данных: `ci15362_68wix` -- -- -------------------------------------------------------- -- -- Структура таблицы `wp_commentmeta` -- CREATE TABLE IF NOT EXISTS `wp_commentmeta` ( `meta_id` bigint UNSIGNED NOT NULL AUTO_INCREMENT, `comment_id` bigint UNSIGNED NOT NULL DEFAULT '0', `meta_key` varchar(255) CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci DEFAULT NULL, `meta_value` longtext CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci, PRIMARY KEY (`meta_id`), KEY `comment_id` (`comment_id`), KEY 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(61, 139, 'akismet_history', 'a:3:{s:4:\"time\";d:1677587782.207174;s:5:\"event\";s:15:\"status-approved\";s:4:\"user\";s:12:\"e.bakumenkov\";}'), (62, 141, 'akismet_history', 'a:3:{s:4:\"time\";d:1676978731.974951;s:5:\"event\";s:15:\"status-approved\";s:4:\"user\";s:12:\"e.bakumenkov\";}'), (63, 143, 'akismet_history', 'a:3:{s:4:\"time\";d:1676997428.471124;s:5:\"event\";s:15:\"status-approved\";s:4:\"user\";s:12:\"e.bakumenkov\";}'), (64, 145, 'akismet_history', 'a:3:{s:4:\"time\";d:1677584217.214144;s:5:\"event\";s:15:\"status-approved\";s:4:\"user\";s:12:\"e.bakumenkov\";}'), (65, 146, 'akismet_history', 'a:3:{s:4:\"time\";d:1676978745.755736;s:5:\"event\";s:15:\"status-approved\";s:4:\"user\";s:12:\"e.bakumenkov\";}'), (66, 148, 'akismet_history', 'a:3:{s:4:\"time\";d:1677583874.378124;s:5:\"event\";s:15:\"status-approved\";s:4:\"user\";s:12:\"e.bakumenkov\";}'), (67, 151, 'akismet_history', 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Дамп данных таблицы `wp_comments` -- INSERT INTO `wp_comments` (`comment_ID`, `comment_post_ID`, `comment_author`, `comment_author_email`, `comment_author_url`, `comment_author_IP`, `comment_date`, `comment_date_gmt`, `comment_content`, `comment_karma`, `comment_approved`, `comment_agent`, `comment_type`, `comment_parent`, `user_id`) VALUES (90, 557, 'Наталья', '0364408@list.ru', '', '82.202.171.185', '2023-01-17 10:43:18', '2023-01-17 10:43:18', 'Добрый день, в сентябре 2022 года оформила кредитные карты банка Газпромбанка и банка Уральского банка реконструкции и развития, но сих пор не получила комиссионное вознаграждение за эти карты?', 0, '1', '', 'comment', 0, 0), (91, 557, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-02-21 11:23:49', '2023-02-21 11:23:49', 'Добрый день. Заполните, пожалуйста, заявку на поиск потерянных конверсий по финансовым офферам Пампаду https://forms.gle/J9c552nsGy4uYqcH9', 0, '1', '', 'comment', 90, 13), (92, 557, 'ВАЛЕНТИНА', 'VV.55S@YANDEX.RU', '', '82.202.171.185', '2023-03-27 13:57:45', '2023-03-27 13:57:45', 'Добрый день! 15.03 мне была произведена выплата, но деньги на карту так и не поступили.', 0, '1', '', 'comment', 0, 0), (93, 557, 'Евгений Ахмадеев', 'mr.geka81@bk.ru', '', '82.202.171.185', '2023-04-02 09:16:20', '2023-04-02 09:16:20', 'Сделка проведена но в ЛК нет КВ?', 0, '1', '', 'comment', 0, 0), (94, 557, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-04-03 20:53:26', '2023-04-03 20:53:26', 'Евгений, начисление КВ по купленным полисам по понедельникам.\nПроверили информацию Вы оформил полис КАСКО 31.03.2023, КВ начислено согласно регламенту 03.04.2023', 0, '1', '', 'comment', 93, 13), (95, 557, 'Даяна', 'dayanameschaninseva@gmail.com', '', '82.202.171.185', '2023-06-21 08:12:45', '2023-06-21 08:12:45', 'Здравствуйте! 05.06 оформила кредит и 09.06 оформила 4 дебетовые карты, комиссия до сих пор не пришла', 0, '1', '', 'comment', 0, 0), (96, 557, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-06-26 17:08:51', '2023-06-26 17:08:51', 'Здравствуйте Даяна! Сроки начисления указаны у Вас в ЛК. Нажмите полные условия по карте которую вы оформляли, далее проверьте целевые действия по карте и сроки начисления КВ.\nОбратите внимание сроки указаны после выполнения целевых действий.', 0, '1', '', 'comment', 95, 13), (97, 702, 'Евгений', 'zenj19766269@gmail.com', '', '82.202.171.185', '2023-01-01 13:38:24', '2023-01-01 13:38:24', 'Страховка такси', 0, '1', '', 'comment', 0, 0), (98, 702, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-02-21 16:32:50', '2023-02-21 16:32:50', 'Евгений, на платформе можно оформить ТС только категории \"B\". Оформление полисов других категорий пока недоступно.\nТочных сроков, когда откроем доступ сказать не можем.\nСледите, пожалуйста, за нашей почтовой рассылкой и новостями в телеграмм канале.', 0, '1', '', 'comment', 97, 13), (99, 1169, 'MarthaVox', 'jorjerk58@outlook.com', '', '82.202.171.185', '2023-02-28 11:52:31', '2023-02-28 11:52:31', 'Как стать страховым агентом? Автострахования на дому Pampadu', 0, '1', '', 'comment', 0, 0), (100, 1169, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-02-28 13:35:46', '2023-02-28 13:35:46', 'Для начала пройдите регистрацию. Зарегистрироваться вы можете по ссылке: https://agents.pampadu.ru/#/register \nРекомендуем посмотреть обучающие видео на нашем канале YouTude: https://www.youtube.com/channel/UC0SeTdHMfY67ku8e7m-GMTw \nКак искать клиентов, как происходит выплата комиссионного вознаграждения и более подробная информация о работе на платформе. Вы можете прочитать в статье ниже:\nhttps://help.pampadu.ru/article/3212', 0, '1', '', 'comment', 99, 13), (101, 1169, 'Terrysuers', 'e2u3cpttzuv295v@rambler.ru', '', '82.202.171.185', '2023-09-08 02:54:31', '2023-09-08 02:54:31', 'інші https://predmety.in.ua/', 0, '0', '', 'comment', 0, 0), (102, 1169, 'Alancaugs', 'ackermanbv@gmail.com', '', '82.202.171.185', '2023-09-08 03:35:02', '2023-09-08 03:35:02', 'zoloft 30 mg', 0, '0', '', 'comment', 0, 0), (103, 1169, 'Richardjat', 'rekam510je94pmo@rambler.ru', '', '82.202.171.185', '2023-09-08 03:56:57', '2023-09-08 03:56:57', 'подробнее https://subject-book.com/', 0, '0', '', 'comment', 0, 0), (104, 1169, 'JavierByday', 'p94wn8jc656in8d@rambler.ru', '', '82.202.171.185', '2023-09-08 05:39:52', '2023-09-08 05:39:52', 'tresc https://polska-poezja.com/', 0, '0', '', 'comment', 0, 0), (105, 1169, 'Samuelovery', 'londa@aol.com', '', '82.202.171.185', '2023-09-08 05:57:23', '2023-09-08 05:57:23', 'my canadian pharmacy', 0, '0', '', 'comment', 0, 0), (106, 1169, 'Ralphtaify', 's18wwr0458if70c@rambler.ru', '', '82.202.171.185', '2023-09-08 06:00:35', '2023-09-08 06:00:35', 'продовження https://ukrainian-poetry.com/', 0, '0', '', 'comment', 0, 0), (107, 1169, 'RickeyWrest', 't2unzlbcjfvtmwc@rambler.ru', '', '82.202.171.185', '2023-09-08 06:11:45', '2023-09-08 06:11:45', 'Читать далее https://russian-poetry.com/', 0, '0', '', 'comment', 0, 0), (108, 1169, 'Williamsyday', 'hbhn8ncvn7th0eq@rambler.ru', '', '82.202.171.185', '2023-09-08 09:42:15', '2023-09-08 09:42:15', 'see this https://automobile-spec.com/', 0, '0', '', 'comment', 0, 0), (109, 1169, 'CharlesGuilk', 'iza8xlqsz0gyo7m@rambler.ru', '', '82.202.171.185', '2023-09-08 11:35:11', '2023-09-08 11:35:11', 'такий https://ukrtextbook.com/', 0, '0', '', 'comment', 0, 0), (110, 1169, 'MelvinJew', 'mi1bznfc04i67pn@rambler.ru', '', '82.202.171.185', '2023-09-08 12:02:22', '2023-09-08 12:02:22', 'зайти на сайт https://studentguide.ru/', 0, '0', '', 'comment', 0, 0), (111, 1373, 'IrmaSpoda', 'Lauramax1973@forimails.site', '', '82.202.171.185', '2023-09-08 03:18:00', '2023-09-08 03:18:00', 'Присоединяюсь. Так бывает.\n Регулярните потребители получават персонални предложения, с които генерират по-големи печалби. Бетано https://joycasino-site.win/zerkalo.html е част от световно известения бранд за хазартни забавления, който се подвизава легално в над десет държави.', 0, '0', '', 'comment', 0, 0), (112, 1510, 'Олег', 'olegramazan79f@gmail.com', '', '82.202.171.185', '2023-06-26 07:32:03', '2023-06-26 07:32:03', 'Надо добавить друга', 0, '1', '', 'comment', 0, 0), (113, 1510, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-06-26 16:54:55', '2023-06-26 16:54:55', 'Олег, поясните, пожалуйста.\nЧто значит добавить друга? Куда вы его хотите добавить?', 0, '1', '', 'comment', 112, 13), (114, 1535, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-02-20 17:16:15', '2023-02-20 17:16:15', 'Добрый вечер.\nОксана, для начала пройдите регистрацию. Зарегистрироваться вы можете по ссылке: https://agents.pampadu.ru/#/register \nРекомендуем посмотреть обучающие видео на нашем канале YouTude: https://www.youtube.com/channel/UC0SeTdHMfY67ku8e7m-GMTw \nКак искать клиентов, как происходит выплата комиссионного вознаграждения и более подробная информация о работе на платформе. Вы можете прочитать в статье ниже:\nhttps://help.pampadu.ru/article/3212', 0, '1', '', 'comment', 232, 13), (115, 1539, 'Наталья', 'natulya.arbuzova@list.ru', '', '82.202.171.185', '2023-01-28 16:45:12', '2023-01-28 16:45:12', 'Забыла пароль. Как восстановить агенту пароль в reso офис', 0, '1', '', 'comment', 0, 0), (116, 1539, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-02-21 16:52:35', '2023-02-21 16:52:35', 'Наталья, обратитесь с просьбой о смене пароля к своему куратору. Новый пароль придет вам в смс и на электронную почту.', 0, '1', '', 'comment', 115, 13), (117, 1545, '카마그라', 'help@gwmetabitt.com', '', '82.202.171.185', '2023-09-08 05:22:16', '2023-09-08 05:22:16', '며칠전의 탈모치료 공정에 있어 각 탈모약 성분들의 전문화 및 분업화는 그대로 반영된다. 탈모는 원인을 이해하여 검증된 약물로 요법을 하면 널널하게 개선이 가능한 피부질환이다. 탈모약을 만드는 제약회사들은 본인의 특성적인 성분을 가지고 전문화되었다. \n \n슈퍼카마그라 직구', 0, '0', '', 'comment', 0, 0), (118, 1545, 'Raymondcix', 'avakovpavel47@gmail.com', '', '82.202.171.185', '2023-09-08 08:26:22', '2023-09-08 08:26:22', 'Компания \"Сантехмос\" - это ваш надежный партнер в сфере сантехнических услуг. 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Мы помогаем вам принимать обоснованные решения и экономить средства. \nЭкстренная помощь: Мы понимаем, что несчастные случаи могут произойти в любое время, поэтому мы предоставляем услуги экстренной помощи круглосуточно и готовы оперативно решить неотложные проблемы. \n \nКомпания \"Сантехмос\" гарантирует высокий профессионализм, надежность и качество предоставляемых услуг. Мы стремимся создать комфортные условия и обеспечить безопасность вашей сантехники. 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Стаж вождения больше 10 лети возраст больше 35 лет', 0, '1', '', 'comment', 0, 0), (125, 1690, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-05-03 11:21:24', '2023-05-03 11:21:24', 'КВС в данном случае будет 1,54', 0, '1', '', 'comment', 124, 13), (126, 1690, 'RobertPress', 'jurasick132@gmail.com', '', '82.202.171.185', '2023-09-07 22:04:43', '2023-09-07 22:04:43', 'https://seo-doors.ru seo продвижение сайта', 0, '0', '', 'comment', 0, 0), (127, 1690, 'CharlesRip', 'adamch95@tosc876-rfg.com', '', '82.202.171.185', '2023-09-08 11:37:19', '2023-09-08 11:37:19', 'Raise3D Pro3 \nhttp://pro3-aise38d.com/ \nhttp://www.revistatumejormaestra.com/__media__/js/netsoltrademark.php?d=site.ru', 0, '0', '', 'comment', 0, 0), (128, 1714, 'Антон', 'Parkir@list.ru', '', '82.202.171.185', '2022-09-07 09:17:46', '2022-09-07 09:17:46', 'Хорошая акция, буду участвовать!', 0, '1', '', 'comment', 0, 0), (129, 1714, 'Полина', 'Ekkatana@mail.ru', '', '82.202.171.185', '2022-09-08 05:45:37', '2022-09-08 05:45:37', 'Участвую', 0, '1', '', 'comment', 0, 0), (130, 1714, 'Олеся', 'rodionov.valentin2011@hotmail.com', '', '82.202.171.185', '2022-09-09 05:50:42', '2022-09-09 05:50:42', 'Очень классный мотиватор!', 0, '1', '', 'comment', 0, 0), (131, 1714, 'Иван', 'ant.minin@gmail.com', '', '82.202.171.185', '2022-10-03 08:17:12', '2022-10-03 08:17:12', 'И я буду учавствовать!', 0, '1', '', 'comment', 0, 0), (132, 1714, 'Антон Минин', 'webminin@yandex.ru', 'https://pampadu.ru/blog/', '82.202.171.185', '2022-10-03 08:30:11', '2022-10-03 08:30:11', 'Я тоже приму участие!', 0, '1', '', 'comment', 128, 14), (133, 1736, 'Денис Дьяконов', 'djakonovden@gmail.com', '', '82.202.171.185', '2022-09-27 15:29:29', '2022-09-27 15:29:29', 'А реферальная программа действует на банковские продукты?', 0, '1', '', 'comment', 0, 0), (134, 1736, 'Олеся', 'olesya.safronova.2019@mail.ru', '', '82.202.171.185', '2022-10-20 20:30:00', '2022-10-20 20:30:00', 'Хочу обучиться всему', 0, '1', '', 'comment', 0, 0), (135, 1736, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-02-21 16:40:35', '2023-02-21 16:40:35', 'Олеся, для начала пройдите регистрацию. Зарегистрироваться вы можете по ссылке: https://agents.pampadu.ru/#/register \nРекомендуем посмотреть обучающие видео на нашем канале YouTude: https://www.youtube.com/channel/UC0SeTdHMfY67ku8e7m-GMTw \nКак искать клиентов, как происходит выплата комиссионного вознаграждения и более подробная информация о работе на платформе. Вы можете прочитать в статье ниже:\nhttps://help.pampadu.ru/article/3212', 0, '1', '', 'comment', 134, 13), (136, 1788, 'Ирина', 'irinka556@mail.ru', '', '82.202.171.185', '2022-10-03 12:49:55', '2022-10-03 12:49:55', 'Грамотная статья, для новичков много полезной инфы, где черпать источники. Но добавлю, что деньги нужно реально распределять, чтобы получать прибыль. Если не платить, не заработаешь, по любому нужны будут вложения. Все по делу написано', 0, '1', '', 'comment', 0, 0), (137, 1788, 'JefferyWap', 'kypertazaKig@gmail.com', '', '82.202.171.185', '2023-09-08 12:49:24', '2023-09-08 12:49:24', 'I apologise, but, in my opinion, you are not right. I am assured. Let\'s discuss it. \n \n------------ \nhttps://servers.expert/catalog/ukraine', 0, '0', '', 'comment', 0, 0), (138, 1810, 'WEB HERO', 'muslandwergcua197173@rambler.ru', '', '82.202.171.185', '2023-09-08 10:27:18', '2023-09-08 10:27:18', 'Предлагаем вам наши услуги по техподдержке сайта. Наша команда готова обеспечить бесперебойное функционирование вашего проекта и реализовать необходимые улучшения для повышения эффективности сайта. \n \nНаши услуги включают: \n \n1. Администрирование сайта. \n3. Администрирование хостинга. \n4. Контент-менеджмент. \n5. Дизайн и редизайн. \n6. Контроль работоспособности. \n7. Доработки существующего функционала. \n8. Внедрение новых инструментов и функций. \n9. Контроль за безопасностью проекта. \n10. Обучение и консалтинг. \n \nВ нашей команде специалисты, которые смогут закрыть все возникающие потребности в технологиях, контенте, маркетинге, аналитике и пр. \n \nЕсли вы заинтересованы в ответственном подрядчике, который улучшит работу вашего сайта, не стесняйтесь связаться с нами. Мы готовы обсудить ваши потребности и предоставить подробную информацию о наших услугах. \n \nКонтакты для связи: \n \nCайт: wbhr.ru \n \nEmail: tp_sale@wbhr.ru \n \nTelegram: @wbhr_bot', 0, '0', '', 'comment', 0, 0), (139, 1817, 'Андрей', 'adnris_br@mail.ru', '', '82.202.171.185', '2023-02-26 18:52:04', '2023-02-26 18:52:04', 'Здравствуйте, помогите мне уже определиться с партнёрской программой. В интернете пишут что партнёрка Альфа-Банка очень спорная. И лучше подключить партнёрку Тинькова, а по вашей статье я вижу другое. Как сделать правильный выбор?', 0, '1', '', 'comment', 0, 0), (140, 1817, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-02-28 12:36:22', '2023-02-28 12:36:22', 'Добрый день! Партнерка и Тинькофф и партнерка Альфа практически ничем не отличается, за исключением ставок. Мы рекомендуем подключаться к двум партнеркам сразу, чтобы у ваших клиентов был выбор между продуктами двух банков.', 0, '1', '', 'comment', 139, 13), (141, 1839, 'Ксения', 'Ksusha0405@bk.ru', '', '82.202.171.185', '2023-02-01 13:58:22', '2023-02-01 13:58:22', 'Добрый день! Хочу стать агентом', 0, '1', '', 'comment', 0, 0), (142, 1839, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-02-21 11:25:31', '2023-02-21 11:25:31', 'Добрый день, Ксеня. \nДля начала пройдите регистрацию. Зарегистрироваться вы можете по ссылке: https://agents.pampadu.ru/#/register \nРекомендуем посмотреть обучающие видео на нашем канале YouTude: https://www.youtube.com/channel/UC0SeTdHMfY67ku8e7m-GMTw \nКак искать клиентов, как происходит выплата комиссионного вознаграждения и более подробная информация о работе на платформе. Вы можете прочитать в статье ниже:\nhttps://help.pampadu.ru/article/3212', 0, '1', '', 'comment', 141, 13), (143, 1898, 'Ilyas', 'Ok@rf-strahovka.ru', '', '82.202.171.185', '2022-12-24 15:59:15', '2022-12-24 15:59:15', 'Аналитику( google analytics, Яндекс метрика) смогу полноценно настроить с вашим api?', 0, '1', '', 'comment', 0, 0), (144, 1898, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-02-21 16:37:08', '2023-02-21 16:37:08', 'На данный момент такой возможности нет.\nСледите, пожалуйста, за нашей почтовой рассылкой и новостями в телеграмм канале.', 0, '1', '', 'comment', 143, 13), (145, 1943, 'Руслан', 'ruslanshakirov125@gmail.com', '', '82.202.171.185', '2023-01-29 00:03:55', '2023-01-29 00:03:55', 'Как получить доступ к финансовым продуктам', 0, '1', '', 'comment', 0, 0), (146, 1943, 'Еркин', 'Erkin.777.04@mail.ru', '', '82.202.171.185', '2023-01-29 02:43:56', '2023-01-29 02:43:56', 'Хочу быть агентом,хорошо зарабатывать.', 0, '1', '', 'comment', 0, 0), (147, 1943, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-02-21 11:25:45', '2023-02-21 11:25:45', 'Добрый день.\nДля начала пройдите регистрацию. Зарегистрироваться вы можете по ссылке: https://agents.pampadu.ru/#/register \nРекомендуем посмотреть обучающие видео на нашем канале YouTude: https://www.youtube.com/channel/UC0SeTdHMfY67ku8e7m-GMTw \nКак искать клиентов, как происходит выплата комиссионного вознаграждения и более подробная информация о работе на платформе. Вы можете прочитать в статье ниже:\nhttps://help.pampadu.ru/article/3212', 0, '1', '', 'comment', 146, 13), (148, 1943, 'Евгений', 'evg.vlasov2013@yandex.ru', '', '82.202.171.185', '2023-02-22 07:14:40', '2023-02-22 07:14:40', 'Хочу попробовать заработать из дома.', 0, '1', '', 'comment', 0, 0), (149, 1943, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-02-28 11:31:14', '2023-02-28 11:31:14', 'Для начала пройдите регистрацию. Зарегистрироваться вы можете по ссылке: https://agents.pampadu.ru/#/register \nРекомендуем посмотреть обучающие видео на нашем канале YouTude: https://www.youtube.com/channel/UC0SeTdHMfY67ku8e7m-GMTw \nКак искать клиентов, как происходит выплата комиссионного вознаграждения и более подробная информация о работе на платформе. Вы можете прочитать в статье ниже:\nhttps://help.pampadu.ru/article/3212', 0, '1', '', 'comment', 148, 13), (150, 1943, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-02-28 11:36:57', '2023-02-28 11:36:57', 'Для начала пройдите регистрацию. Зарегистрироваться вы можете по ссылке: https://agents.pampadu.ru/#/register \nРекомендуем посмотреть обучающие видео на нашем канале YouTude: https://www.youtube.com/channel/UC0SeTdHMfY67ku8e7m-GMTw \nКак искать клиентов, как происходит выплата комиссионного вознаграждения и более подробная информация о работе на платформе. Вы можете прочитать в статье ниже:\nhttps://help.pampadu.ru/article/3212', 0, '1', '', 'comment', 145, 13), (151, 1959, 'Гюзель', 'guzaleckahajdarova@gmail.com', '', '82.202.171.185', '2023-02-08 18:21:08', '2023-02-08 18:21:08', 'Буду учавствовать', 0, '1', '', 'comment', 0, 0), (152, 1959, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-02-20 16:41:22', '2023-02-20 16:41:22', 'Гюзель, желаем Вам удачи, успехов на пути реализации задуманного, лёгкости в достижении целей.', 0, '1', '', 'comment', 151, 13), (153, 1959, 'Дмитрий', 'dmitry.din2012@yandex.ru', '', '82.202.171.185', '2023-02-22 03:34:33', '2023-02-22 03:34:33', 'Буду участвовать', 0, '1', '', 'comment', 0, 0), (154, 1959, 'Данил', 'jorban.name@mail.ru', '', '82.202.171.185', '2023-03-10 13:02:40', '2023-03-10 13:02:40', 'Желаю всем удачи', 0, '1', '', 'comment', 0, 0), (155, 1959, 'Данил', 'jorban.name@mail.ru', '', '82.202.171.185', '2023-03-10 13:03:13', '2023-03-10 13:03:13', 'Желаю всем удачи ,выиграет сильнейший', 0, '1', '', 'comment', 0, 0), (156, 1959, 'Ангелина', 'angelinaturbina54@gmail.com', '', '82.202.171.185', '2023-03-13 16:27:51', '2023-03-13 16:27:51', 'Я участвую, буду надеяться что выйграю айфон, мне просто очень нужен телефон', 0, '1', '', 'comment', 0, 0), (157, 1959, 'Vad', 'vladosmalish89@gmail.com', '', '82.202.171.185', '2023-03-16 16:33:17', '2023-03-16 16:33:17', 'Участвовую', 0, '1', '', 'comment', 0, 0), (158, 2087, 'Анна', 'anna.mezenceva@inbox.ru', '', '82.202.171.185', '2023-03-30 14:28:24', '2023-03-30 14:28:24', 'Здравствуйте, а если была авария, то всё равно лучше оформить до 1апреля? Не грозит ли это аннулированием полиса?', 0, '1', '', 'comment', 0, 0), (159, 2550, 'Андрей', 'dragunov_1969@mail.ru', '', '82.202.171.185', '2023-06-15 05:26:56', '2023-06-15 05:26:56', 'спасибо', 0, '1', '', 'comment', 0, 0), (160, 2550, 'JefferyWap', 'kypertazaKig@gmail.com', '', '82.202.171.185', '2023-09-08 11:13:35', '2023-09-08 11:13:35', 'It agree, this magnificent idea is necessary just by the way \n \n------------ \nhttps://servers.expert/hoster/62yuncom', 0, '0', '', 'comment', 0, 0), (161, 2811, 'Константин', 'Konstantinvs@inbox.ru', '', '82.202.171.185', '2023-06-30 12:26:00', '2023-06-30 12:26:00', 'Подскажите пожалуйста, если в мае было 0 полисов, а в июне оформленвсего один полис Макс, то бонус 100₽ будет начислен? Из примеров в информации про акцию не совсем понятно', 0, '1', '', 'comment', 0, 0), (162, 2811, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-07-03 11:46:30', '2023-07-03 11:46:30', 'Да, Вам будет начислено 100 руб.', 0, '1', '', 'comment', 161, 13), (163, 2888, 'Елена', '9049940968@mail.ru', '', '82.202.171.185', '2023-06-14 01:27:00', '2023-06-14 01:27:00', 'Хочу попробовать', 0, '1', '', 'comment', 0, 0), (164, 2988, 'Елена', 'y_kirichenko@vk.com', '', '82.202.171.185', '2023-06-17 19:15:24', '2023-06-17 19:15:24', 'Работа и банковские продукты. Сфера it.', 0, '1', '', 'comment', 0, 0), (165, 2988, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-06-19 15:35:13', '2023-06-19 15:35:13', 'Уточните, пожалуйста, какой у Вас вопрос?', 0, '1', '', 'comment', 164, 13), (166, 2988, 'Юрий', 'simminsk@gmail.com', '', '82.202.171.185', '2023-06-20 14:33:51', '2023-06-20 14:33:51', 'Добрый день мой друг зарегистрирован в Еде и привел друга но ему бонус не посчитали.', 0, '1', '', 'comment', 0, 0), (167, 2988, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-06-26 17:15:04', '2023-06-26 17:15:04', 'Здравствуйте, Юрий. Обратитесь пожалуйста, в чат поддержки с личного кабинета, специалисты проверят информацию и предоставят Вам ответ.', 0, '1', '', 'comment', 166, 13), (168, 3071, 'Вячеслав', 'slava.ageychev@bk.ru', '', '82.202.171.185', '2023-06-25 06:15:27', '2023-06-25 06:15:27', 'Хочю зарабатывать на этом', 0, '1', '', 'comment', 0, 0), (169, 3071, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-06-26 17:02:13', '2023-06-26 17:02:13', 'Вячеслав, рекомендуем Вам прочитать раздел помощь по HR офферам: https://help.pampadu.ru/category/2099\nЕсли у Вас возникнут вопросы, вы можете их задать в нашем чате поддержки, специалисты проконсультируют и помогут Вам разобраться.', 0, '1', '', 'comment', 168, 13), (170, 3284, 'Радик', 'zvezdik1981@mail.ru', '', '82.202.171.185', '2023-08-16 07:39:21', '2023-08-16 07:39:21', '1. Не нашел в типах описания офферов банковской сферы, прямого трафика или он как то по другому классифицируется? Пример, приглашаем при помощи смс или соц сетей пройти и оформить какой-то продукт своих знакомых, я им даю прямую ссылку. Знаю, что друзья и знакомые никуда жаловаться соответственно, если что не будут. Вопрос, считать это прямым трафиком , реклама в соц. сетях или иной вид трафика? 2. Даю ссылку на свой сайт, а с него уже идут переходы на сайт банка - это какой вид трафика. 3. Лью рекламу в социальных сетях на свою страницу в интернете, а оттуда идут переходы на сайт банка. Помогите разобраться!', 0, '1', '', 'comment', 0, 0), (171, 3284, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-08-16 13:43:36', '2023-08-16 13:43:36', 'Если вы среди своих знакомых не мотивируете их к получению карты — разрешено\nРеклама (контекстная) — можно использовать если исключит все минус слова, которые в карточке оффера.', 0, '1', '', 'comment', 170, 13), (172, 3337, 'JefferyWap', 'kypertazaKig@gmail.com', '', '82.202.171.185', '2023-09-08 07:55:02', '2023-09-08 07:55:02', 'And all? \n \n------------ \nhttps://servers.expert/catalog/ukraine', 0, '0', '', 'comment', 0, 0), (174, 3422, 'Ryderdud', 'kim.adler@bk.ru', '', '82.202.171.185', '2023-09-08 04:28:04', '2023-09-08 04:28:04', 'мы группа добровольцев и начинаем новую схему в нашем сообществе. Ваш сайт предложил нам ценную информацию для работы. вы проделали впечатляющую работу, и наше все сообщество будет благодарно вам. \nПредлагаю также ознакомиться с актуальными вакансиями: \nhttps://edmedicationsus.ru/og6l работа в Домовёнок\n \n \nКэшбэк-сервис https://sd.link/eJoAwO \n \n@tt=', 0, '0', '', 'comment', 0, 0), (175, 3533, 'Николай', 'kolya1719829@gmail.com', '', '82.202.171.185', '2023-08-29 03:03:26', '2023-08-29 03:03:26', 'Хочу зароботать', 0, '1', '', 'comment', 0, 0), (176, 3533, 'Егор Бакуменков', 'e.bakumenkov@pampadu.ru', 'https://blg.pampadu.ru/', '82.202.171.185', '2023-08-31 15:37:14', '2023-08-31 15:37:14', 'Добрый день, Николай.\nДля начала пройдите регистрацию. Зарегистрироваться вы можете по ссылке: https://agents.pampadu.ru/#/register \nРекомендуем посмотреть обучающие видео на нашем канале YouTude: https://www.youtube.com/channel/UC0SeTdHMfY67ku8e7m-GMTw \nКак искать клиентов, как происходит выплата комиссионного вознаграждения и более подробная информация о работе на платформе. Вы можете прочитать в статье ниже:\nhttps://help.pampadu.ru/article/3212\nБолее подробную информацию по каждому продукту Вы можете узнать в нашем разделе помощи https://help.pampadu.ru/', 0, '1', '', 'comment', 175, 13), (177, 3533, 'Александр', 'latsuk65@gmail.com', '', '82.202.171.185', '2023-09-04 02:09:28', '2023-09-04 02:09:28', 'Хочу заработать', 0, '0', '', 'comment', 0, 0), (178, 3659, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.168.215', '2023-12-06 17:08:27', '2023-12-06 14:08:27', 'я спам', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:120.0) Gecko/20100101 Firefox/120.0', 'comment', 0, 1), (180, 3662, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.57.208', '2023-12-14 12:14:56', '2023-12-14 09:14:56', 'Лучшие Telegram-каналы недвижимости для риэлторов 3', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:120.0) Gecko/20100101 Firefox/120.0', 'comment', 0, 1), (181, 3662, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.40.89', '2024-01-29 14:58:37', '2024-01-29 11:58:37', 'Лучшие Telegram-каналы недвижимости для риэлторов 2', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:122.0) Gecko/20100101 Firefox/122.0', 'comment', 0, 1), (182, 3653, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.52.43', '2024-02-01 14:54:32', '2024-02-01 11:54:32', 'Как сделать кликабельный заголовок арбитражнику 2', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:122.0) Gecko/20100101 Firefox/122.0', 'comment', 0, 1), (183, 3653, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.52.43', '2024-02-01 14:54:38', '2024-02-01 11:54:38', 'Как сделать кликабельный заголовок арбитражнику 1', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:122.0) Gecko/20100101 Firefox/122.0', 'comment', 0, 1), (184, 3656, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.52.43', '2024-02-01 15:18:06', '2024-02-01 12:18:06', 'Креативы для арбитража: примеры актуальных крео и подходов в 2023 2', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:122.0) Gecko/20100101 Firefox/122.0', 'comment', 0, 1), (185, 3662, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.52.43', '2024-02-01 15:46:06', '2024-02-01 12:46:06', 'Лучшие Telegram-каналы недвижимости для риэлторов 1', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:122.0) Gecko/20100101 Firefox/122.0', 'comment', 0, 1), (186, 3650, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.52.43', '2024-02-01 16:11:51', '2024-02-01 13:11:51', 'Автоматизация в арбитраже: что это, инструменты и кейсы 1', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:122.0) Gecko/20100101 Firefox/122.0', 'comment', 0, 1), (187, 3656, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.52.43', '2024-02-01 16:13:14', '2024-02-01 13:13:14', 'Креативы для арбитража: примеры актуальных крео и подходов в 2023 1', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:122.0) Gecko/20100101 Firefox/122.0', 'comment', 0, 1), (188, 3647, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.52.43', '2024-02-01 17:08:33', '2024-02-01 14:08:33', 'Почему письма попадают в спам и как это исправить1', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:122.0) Gecko/20100101 Firefox/122.0', 'comment', 0, 1), (189, 3533, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '3.76.44.154', '2024-02-02 14:16:23', '2024-02-02 11:16:23', 'Заработок в интернете в 2023 году: как заработать в интернете без вложений комментарий 3', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:122.0) Gecko/20100101 Firefox/122.0', 'comment', 0, 1), (190, 3600, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '3.76.44.154', '2024-02-02 14:29:13', '2024-02-02 11:29:13', 'Конверсия: что это такое и почему важна для арбитражника 1', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:122.0) Gecko/20100101 Firefox/122.0', 'comment', 0, 1), (191, 3656, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.52.162', '2024-02-02 14:51:20', '2024-02-02 11:51:20', 'Креативы для арбитража: примеры актуальных крео и подходов в 2023 3', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:122.0) Gecko/20100101 Firefox/122.0', 'comment', 0, 1), (192, 3662, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.55.66', '2024-02-05 13:45:32', '2024-02-05 10:45:32', 'Лучшие Telegram-каналы недвижимости для риэлторов 4', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:122.0) Gecko/20100101 Firefox/122.0', 'comment', 0, 1), (193, 3653, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.55.66', '2024-02-07 17:27:08', '2024-02-07 14:27:08', 'Как сделать кликабельный заголовок арбитражнику 3', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:122.0) Gecko/20100101 Firefox/122.0', 'comment', 0, 1), (194, 3662, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.174.56', '2024-02-12 21:37:45', '2024-02-12 18:37:45', 'Ответ 1', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:122.0) Gecko/20100101 Firefox/122.0', 'comment', 192, 1), (195, 3662, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.174.56', '2024-02-12 21:37:54', '2024-02-12 18:37:54', 'Ответ 2', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:122.0) Gecko/20100101 Firefox/122.0', 'comment', 192, 1), (199, 3653, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.174.56', '2024-02-15 00:26:29', '2024-02-14 21:26:29', 'Как сделать ', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/121.0.0.0 Safari/537.36', 'comment', 0, 1), (200, 3647, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.174.56', '2024-02-15 00:28:01', '2024-02-14 21:28:01', 'Почему письма попадают в спам и как это исправить', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/121.0.0.0 Safari/537.36', 'comment', 0, 1), (201, 3606, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.174.56', '2024-02-15 22:51:21', '2024-02-15 19:51:21', 'Словарь арбитражника: все термины и понятия коммент 1', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/121.0.0.0 Safari/537.36', 'comment', 0, 1), (202, 3606, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.174.56', '2024-02-15 22:51:30', '2024-02-15 19:51:30', 'Словарь арбитражника: все термины и понятия коммент 2', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/121.0.0.0 Safari/537.36', 'comment', 0, 1), (203, 3656, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.174.56', '2024-02-15 22:53:20', '2024-02-15 19:53:20', 'ответ', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/121.0.0.0 Safari/537.36', 'comment', 191, 1), (204, 3653, 'admin', 'i.kruchik@pampadu.ru', 'http://pamtest.ru', '176.59.174.56', '2024-02-15 22:53:43', '2024-02-15 19:53:43', 'Как сделать кликабельный заголовок арбитражнику ответ на коммент 3', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/121.0.0.0 Safari/537.36', 'comment', 193, 1), (205, 3647, 'Официальный представитель pampadu', '', 'http://pamtest.ru', '176.59.42.16', '2024-02-21 22:19:28', '2024-02-21 19:19:28', 'Почему письма попадают в спам и как это исправить 3', 0, '1', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/121.0.0.0 Safari/537.36', 'comment', 0, 1); -- -------------------------------------------------------- -- -- Структура таблицы `wp_ewwwio_images` -- CREATE TABLE IF NOT EXISTS `wp_ewwwio_images` ( `id` int UNSIGNED NOT NULL AUTO_INCREMENT, `attachment_id` bigint UNSIGNED DEFAULT NULL, `gallery` varchar(10) CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci DEFAULT NULL, `resize` varchar(75) CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci DEFAULT NULL, `path` text CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci NOT NULL, `converted` text CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci NOT NULL, `results` varchar(75) CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci NOT NULL, `image_size` int UNSIGNED DEFAULT NULL, `orig_size` int UNSIGNED DEFAULT NULL, `backup` varchar(100) CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci DEFAULT NULL, `level` int UNSIGNED DEFAULT NULL, `pending` tinyint NOT NULL DEFAULT '0', `updates` int UNSIGNED DEFAULT NULL, `updated` timestamp NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP, `trace` blob, PRIMARY KEY (`id`), KEY `path` (`path`(191)), KEY `attachment_info` (`gallery`(3),`attachment_id`) ) ENGINE=InnoDB AUTO_INCREMENT=4250 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_520_ci; -- -- Дамп данных таблицы `wp_ewwwio_images` -- INSERT INTO `wp_ewwwio_images` (`id`, `attachment_id`, `gallery`, `resize`, `path`, `converted`, `results`, `image_size`, `orig_size`, `backup`, `level`, `pending`, `updates`, `updated`, `trace`) VALUES (1, 4563, 'media', 'full', 'ABSPATHwp-content/uploads/2023/09/Rectangle-697.jpg', 'ABSPATHwp-content/uploads/2023/09/Rectangle-697.png', 'Уменьшено на 78,6% (161,8 КБ)', 45175, 210903, '', 10, 0, 1, '2023-12-13 11:51:56', NULL), (2, 4563, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/09/Rectangle-697-300x212.jpg', 'ABSPATHwp-content/uploads/2023/09/Rectangle-697-300x212.png', 'Уменьшено на 73,8% (70,0 КБ)', 25379, 97044, '', 10, 0, 1, '2023-12-13 11:51:56', ''), (3, 4563, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/09/Rectangle-697-150x150.jpg', 'ABSPATHwp-content/uploads/2023/09/Rectangle-697-150x150.png', 'Уменьшено на 72,4% (28,2 КБ)', 10972, 39805, '', 10, 0, 1, '2023-12-13 11:51:56', ''), (4, 4563, 'media', 'profile_24', 'ABSPATHwp-content/uploads/2023/09/Rectangle-697-24x24.jpg', 'ABSPATHwp-content/uploads/2023/09/Rectangle-697-24x24.png', 'Уменьшено на 48,7% (819,0 Б)', 864, 1683, '', 10, 0, 1, '2023-12-13 11:51:56', ''), (5, 4563, 'media', 'profile_48', 'ABSPATHwp-content/uploads/2023/09/Rectangle-697-48x48.jpg', 'ABSPATHwp-content/uploads/2023/09/Rectangle-697-48x48.png', 'Уменьшено на 61,8% (3,3 КБ)', 2115, 5530, '', 10, 0, 1, '2023-12-13 11:51:56', ''), (6, 4563, 'media', 'profile_96', 'ABSPATHwp-content/uploads/2023/09/Rectangle-697-96x96.jpg', 'ABSPATHwp-content/uploads/2023/09/Rectangle-697-96x96.png', 'Уменьшено на 69,5% (12,5 КБ)', 5628, 18448, '', 10, 0, 1, '2023-12-13 11:51:56', ''), (7, 4563, 'media', 'profile_300', 'ABSPATHwp-content/uploads/2023/09/Rectangle-697-300x300.jpg', 'ABSPATHwp-content/uploads/2023/09/Rectangle-697-300x300.png', 'Уменьшено на 75,5% (93,7 КБ)', 31157, 127099, '', 10, 0, 1, '2023-12-13 11:51:56', ''), (8, 3663, 'media', 'full', 'ABSPATHwp-content/uploads/2023/09/1030h502-2-14.jpg', '', 'Уменьшено на 10,9% (33,9 КБ) - Ранее оптимизированные', 283418, 318136, '', 10, 0, 1, '2023-12-06 14:28:01', NULL), (9, 3663, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/09/1030h502-2-14-300x147.jpg', '', 'Уменьшено на 1,2% (171,0 Б) - Ранее оптимизированные', 13934, 14105, '', 10, 0, 1, '2023-12-06 14:28:02', NULL), (10, 3663, 'media', 'large', 'ABSPATHwp-content/uploads/2023/09/1030h502-2-14-1024x500.jpg', '', 'Уменьшено на 2,3% (1,8 КБ) - Ранее оптимизированные', 77929, 79732, '', 10, 0, 1, '2023-12-06 14:28:02', NULL), (11, 3663, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/09/1030h502-2-14-150x150.jpg', '', 'Без экономии', 6760, 6760, '', 10, 0, 1, '2023-12-06 14:28:03', NULL), (12, 3663, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/09/1030h502-2-14-768x375.jpg', '', 'Уменьшено на 1,9% (1,0 КБ) - Ранее оптимизированные', 53332, 54387, '', 10, 0, 1, '2023-12-06 14:28:04', NULL), (13, 3660, 'media', 'full', 'ABSPATHwp-content/uploads/2023/09/1030h502-3-15.jpg', '', 'Уменьшено на 10,3% (30,7 КБ) - Ранее оптимизированные', 272873, 304287, '', 10, 0, 1, '2023-12-06 14:28:05', NULL), (14, 3660, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/09/1030h502-3-15-300x146.jpg', '', 'Уменьшено на 1,3% (169,0 Б) - Ранее оптимизированные', 12693, 12862, '', 10, 0, 1, '2023-12-06 14:28:05', NULL), (15, 3660, 'media', 'large', 'ABSPATHwp-content/uploads/2023/09/1030h502-3-15-1024x499.jpg', '', 'Уменьшено на 2,6% (1,9 КБ) - Ранее оптимизированные', 72577, 74507, '', 10, 0, 1, '2023-12-06 14:28:06', NULL), (16, 3660, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/09/1030h502-3-15-150x150.jpg', '', 'Без экономии', 6154, 6154, '', 10, 0, 1, '2023-12-06 14:28:07', NULL), (17, 3660, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/09/1030h502-3-15-768x374.jpg', '', 'Уменьшено на 2,8% (1,4 КБ) - Ранее оптимизированные', 48461, 49849, '', 10, 0, 1, '2023-12-06 14:28:09', NULL), (18, 3657, 'media', 'full', 'ABSPATHwp-content/uploads/2023/09/1030h502-5-16.jpg', '', 'Уменьшено на 12,1% (39,4 КБ) - Ранее оптимизированные', 294247, 334608, '', 10, 0, 1, '2023-12-06 14:28:10', NULL), (19, 3657, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/09/1030h502-5-16-300x147.jpg', '', 'Уменьшено на 0,7% (108,0 Б) - Ранее оптимизированные', 14582, 14690, '', 10, 0, 1, '2023-12-06 14:28:10', NULL), (20, 3657, 'media', 'large', 'ABSPATHwp-content/uploads/2023/09/1030h502-5-16-1024x500.jpg', '', 'Уменьшено на 1,5% (1,2 КБ) - Ранее оптимизированные', 81947, 83222, '', 10, 0, 1, '2023-12-06 14:28:12', NULL), (21, 3657, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/09/1030h502-5-16-150x150.jpg', '', 'Без экономии', 7195, 7195, '', 10, 0, 1, '2023-12-06 14:28:13', NULL), (22, 3657, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/09/1030h502-5-16-768x375.jpg', '', 'Уменьшено на 1,8% (1,0 КБ) - Ранее оптимизированные', 55258, 56292, '', 10, 0, 1, '2023-12-06 14:28:13', NULL), (23, 3654, 'media', 'full', 'ABSPATHwp-content/uploads/2023/09/1030h502-6-11.jpg', '', 'Уменьшено на 11,3% (37,2 КБ) - Ранее оптимизированные', 298574, 336656, '', 10, 0, 1, '2023-12-06 14:28:15', NULL), (24, 3654, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/09/1030h502-6-11-300x147.jpg', '', 'Уменьшено на 1,7% (241,0 Б) - Ранее оптимизированные', 13724, 13965, '', 10, 0, 1, '2023-12-06 14:28:15', NULL), (25, 3654, 'media', 'large', 'ABSPATHwp-content/uploads/2023/09/1030h502-6-11-1024x500.jpg', '', 'Уменьшено на 2,6% (2,1 КБ) - Ранее оптимизированные', 79448, 81581, '', 10, 0, 1, '2023-12-06 14:28:17', NULL), (26, 3654, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/09/1030h502-6-11-150x150.jpg', '', 'Без экономии', 7020, 7020, '', 10, 0, 1, '2023-12-06 14:28:19', NULL), (27, 3654, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/09/1030h502-6-11-768x375.jpg', '', 'Уменьшено на 2,5% (1,4 КБ) - Ранее оптимизированные', 53569, 54959, '', 10, 0, 1, '2023-12-06 14:28:20', NULL), (28, 3651, 'media', 'full', 'ABSPATHwp-content/uploads/2023/09/1030h502-7-8.jpg', '', 'Уменьшено на 9,7% (31,4 КБ) - Ранее оптимизированные', 300973, 333129, '', 10, 0, 1, '2023-12-06 14:28:21', NULL), (29, 3651, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/09/1030h502-7-8-300x147.jpg', '', 'Уменьшено на 1,7% (222,0 Б) - Ранее оптимизированные', 13135, 13357, '', 10, 0, 1, '2023-12-06 14:28:21', NULL), (30, 3651, 'media', 'large', 'ABSPATHwp-content/uploads/2023/09/1030h502-7-8-1024x500.jpg', '', 'Уменьшено на 2,3% (1,8 КБ) - Ранее оптимизированные', 76070, 77900, '', 10, 0, 1, '2023-12-06 14:28:22', NULL), (31, 3651, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/09/1030h502-7-8-150x150.jpg', '', 'Без экономии', 6146, 6146, '', 10, 0, 1, '2023-12-06 14:28:23', NULL), (32, 3651, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/09/1030h502-7-8-768x375.jpg', '', 'Уменьшено на 2,5% (1,3 КБ) - Ранее оптимизированные', 50998, 52295, '', 10, 0, 1, '2023-12-06 14:28:23', NULL), (33, 3648, 'media', 'full', 'ABSPATHwp-content/uploads/2023/09/1030h502-8-4.jpg', '', 'Уменьшено на 11,0% (27,7 КБ) - Ранее оптимизированные', 229027, 257397, '', 10, 0, 1, '2023-12-06 14:28:24', NULL), (34, 3648, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/09/1030h502-8-4-300x146.jpg', '', 'Уменьшено на 1,0% (125,0 Б) - Ранее оптимизированные', 12066, 12191, '', 10, 0, 1, '2023-12-06 14:28:25', NULL), (35, 3648, 'media', 'large', 'ABSPATHwp-content/uploads/2023/09/1030h502-8-4-1024x499.jpg', '', 'Уменьшено на 2,0% (1,3 КБ) - Ранее оптимизированные', 64636, 65947, '', 10, 0, 1, '2023-12-06 14:28:25', NULL), (36, 3648, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/09/1030h502-8-4-150x150.jpg', '', 'Без экономии', 6117, 6117, '', 10, 0, 1, '2023-12-06 14:28:26', NULL), (37, 3648, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/09/1030h502-8-4-768x374.jpg', '', 'Уменьшено на 2,5% (1,1 КБ) - Ранее оптимизированные', 44606, 45771, '', 10, 0, 1, '2023-12-06 14:28:26', NULL), (38, 3644, 'media', 'full', 'ABSPATHwp-content/uploads/2023/09/1030h502-7.jpg', 'ABSPATHwp-content/uploads/2023/09/1030h502-7.png', 'Уменьшено на 79,4% (400,0 КБ)', 106440, 516017, '', 10, 0, 1, '2023-12-06 14:41:22', NULL), (39, 3644, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/09/1030h502-7-300x146.jpg', 'ABSPATHwp-content/uploads/2023/09/1030h502-7-300x146.png', 'Уменьшено на 67,7% (34,8 КБ)', 17010, 52641, '', 10, 0, 1, '2023-12-06 14:41:24', ''), (40, 3644, 'media', 'large', 'ABSPATHwp-content/uploads/2023/09/1030h502-7-1024x499.jpg', 'ABSPATHwp-content/uploads/2023/09/1030h502-7-1024x499.png', 'Уменьшено на 74,1% (276,7 КБ)', 98972, 382314, '', 10, 0, 1, '2023-12-06 14:41:24', ''), (41, 3644, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/09/1030h502-7-150x150.jpg', 'ABSPATHwp-content/uploads/2023/09/1030h502-7-150x150.png', 'Уменьшено на 67,4% (20,9 КБ)', 10370, 31818, '', 10, 0, 1, '2023-12-06 14:41:24', ''), (42, 3644, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/09/1030h502-7-768x374.jpg', 'ABSPATHwp-content/uploads/2023/09/1030h502-7-768x374.png', 'Уменьшено на 72,8% (172,3 КБ)', 66055, 242518, '', 10, 0, 1, '2023-12-06 14:41:24', ''), (43, 3641, 'media', 'full', 'ABSPATHwp-content/uploads/2023/09/1030h502-6.png', '', 'Уменьшено на 4,8% (12,3 КБ) - Ранее оптимизированные', 247943, 260515, '', 10, 0, 1, '2023-12-06 14:28:48', NULL), (44, 3641, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/09/1030h502-6-300x146.png', '', 'Уменьшено на 13,2% (5,1 КБ) - Ранее оптимизированные', 34531, 39783, '', 10, 0, 1, '2023-12-06 14:28:49', NULL), (45, 3641, 'media', 'large', 'ABSPATHwp-content/uploads/2023/09/1030h502-6-1024x499.png', '', 'Уменьшено на 7,3% (17,2 КБ) - Ранее оптимизированные', 223815, 241448, '', 10, 0, 1, '2023-12-06 14:28:51', NULL), (46, 3641, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/09/1030h502-6-150x150.png', '', 'Уменьшено на 11,0% (2,2 КБ) - Ранее оптимизированные', 18020, 20257, '', 10, 0, 1, '2023-12-06 14:28:52', NULL), (47, 3641, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/09/1030h502-6-768x374.png', '', 'Уменьшено на 7,9% (12,2 КБ) - Ранее оптимизированные', 146314, 158838, '', 10, 0, 1, '2023-12-06 14:28:54', NULL), (48, 3638, 'media', 'full', 'ABSPATHwp-content/uploads/2023/09/1030h502-5.png', '', 'Уменьшено на 9,9% (38,2 КБ)', 355049, 394162, '', 10, 0, 1, '2023-12-13 12:05:54', NULL), (49, 3638, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/09/1030h502-5-300x146.png', '', 'Уменьшено на 10,4% (5,0 КБ) - Ранее оптимизированные', 44323, 49458, '', 10, 0, 1, '2023-12-06 14:28:59', NULL), (50, 3638, 'media', 'large', 'ABSPATHwp-content/uploads/2023/09/1030h502-5-1024x499.png', '', 'Уменьшено на 9,6% (34,0 КБ) - Ранее оптимизированные', 327975, 362755, '', 10, 0, 1, '2023-12-06 14:29:02', NULL), (51, 3638, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/09/1030h502-5-150x150.png', '', 'Уменьшено на 9,6% (2,0 КБ) - Ранее оптимизированные', 19342, 21405, '', 10, 0, 1, '2023-12-06 14:29:03', NULL), (52, 3638, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/09/1030h502-5-768x374.png', '', 'Уменьшено на 9,8% (21,8 КБ) - Ранее оптимизированные', 204486, 226758, '', 10, 0, 1, '2023-12-06 14:29:05', NULL), (53, 3637, 'media', 'full', 'ABSPATHwp-content/uploads/2023/09/1080h1080-1.png', '', 'Уменьшено на 57,4% (413,3 КБ) - Ранее оптимизированные', 313702, 736955, '', 10, 0, 1, '2023-12-06 14:29:09', NULL), (54, 3637, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/09/1080h1080-1-300x300.png', '', 'Уменьшено на 10,2% (8,8 КБ) - Ранее оптимизированные', 79335, 88368, '', 10, 0, 1, '2023-12-06 14:29:10', NULL), (55, 3637, 'media', 'large', 'ABSPATHwp-content/uploads/2023/09/1080h1080-1-1024x1024.png', '', 'Уменьшено на 9,7% (60,6 КБ) - Ранее оптимизированные', 580529, 642561, '', 10, 0, 1, '2023-12-06 14:29:16', NULL), (56, 3637, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/09/1080h1080-1-150x150.png', '', 'Уменьшено на 10,1% (2,9 КБ) - Ранее оптимизированные', 26449, 29414, '', 10, 0, 1, '2023-12-06 14:29:17', NULL), (57, 3637, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/09/1080h1080-1-768x768.png', '', 'Уменьшено на 9,8% (38,6 КБ) - Ранее оптимизированные', 365375, 404917, '', 10, 0, 1, '2023-12-06 14:29:20', NULL), (58, 3633, 'media', 'full', 'ABSPATHwp-content/uploads/2023/09/1030h502-4.png', '', 'Уменьшено на 13,3% (32,7 КБ) - Ранее оптимизированные', 218826, 252348, '', 10, 0, 1, '2023-12-06 14:29:23', NULL), (59, 3633, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/09/1030h502-4-300x146.png', '', 'Уменьшено на 8,6% (3,4 КБ) - Ранее оптимизированные', 37272, 40767, '', 10, 0, 1, '2023-12-06 14:29:24', NULL), (60, 3633, 'media', 'large', 'ABSPATHwp-content/uploads/2023/09/1030h502-4-1024x499.png', '', 'Уменьшено на 8,7% (20,2 КБ) - Ранее оптимизированные', 216571, 237300, '', 10, 0, 1, '2023-12-06 14:29:27', NULL), (61, 3633, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/09/1030h502-4-150x150.png', '', 'Уменьшено на 8,9% (2,0 КБ) - Ранее оптимизированные', 20954, 23006, '', 10, 0, 1, '2023-12-06 14:29:28', NULL), (62, 3633, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/09/1030h502-4-768x374.png', '', 'Уменьшено на 8,8% (13,7 КБ) - Ранее оптимизированные', 145362, 159391, '', 10, 0, 1, '2023-12-06 14:29:30', NULL), (63, 3630, 'media', 'full', 'ABSPATHwp-content/uploads/2023/09/1030h502-3.png', '', 'Уменьшено на 13,1% (33,3 КБ) - Ранее оптимизированные', 225891, 260002, '', 10, 0, 1, '2023-12-06 14:29:34', NULL), (64, 3630, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/09/1030h502-3-300x146.png', '', 'Уменьшено на 9,3% (3,8 КБ) - Ранее оптимизированные', 37899, 41785, '', 10, 0, 1, '2023-12-06 14:29:35', NULL), (65, 3630, 'media', 'large', 'ABSPATHwp-content/uploads/2023/09/1030h502-3-1024x499.png', '', 'Уменьшено на 9,2% (22,2 КБ) - Ранее оптимизированные', 225021, 247758, '', 10, 0, 1, '2023-12-06 14:29:38', NULL), (66, 3630, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/09/1030h502-3-150x150.png', '', 'Уменьшено на 8,2% (1,4 КБ) - Ранее оптимизированные', 16142, 17584, '', 10, 0, 1, '2023-12-06 14:29:38', NULL), (67, 3630, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/09/1030h502-3-768x374.png', '', 'Уменьшено на 8,9% (14,5 КБ) - Ранее оптимизированные', 151662, 166498, '', 10, 0, 1, '2023-12-06 14:29:40', NULL), (68, 3627, 'media', 'full', 'ABSPATHwp-content/uploads/2023/09/1030h502-2.png', '', 'Уменьшено на 5,8% (28,8 КБ) - Ранее оптимизированные', 479375, 508823, '', 10, 0, 1, '2023-12-06 14:29:48', NULL), (69, 3627, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/09/1030h502-2-300x146.png', '', 'Уменьшено на 9,7% (5,1 КБ) - Ранее оптимизированные', 48083, 53270, '', 10, 0, 1, '2023-12-06 14:29:48', NULL), (70, 3627, 'media', 'large', 'ABSPATHwp-content/uploads/2023/09/1030h502-2-1024x499.png', '', 'Уменьшено на 0,7% (2,7 КБ) - Ранее оптимизированные', 366598, 369328, '', 10, 0, 1, '2023-12-06 14:29:54', NULL), (71, 3627, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/09/1030h502-2-150x150.png', '', 'Уменьшено на 10,8% (3,5 КБ) - Ранее оптимизированные', 29377, 32940, '', 10, 0, 1, '2023-12-06 14:29:55', NULL), (72, 3627, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/09/1030h502-2-768x374.png', '', 'Уменьшено на 1,0% (2,3 КБ) - Ранее оптимизированные', 231360, 233735, '', 10, 0, 1, '2023-12-06 14:29:58', NULL), (73, 3624, 'media', 'full', 'ABSPATHwp-content/uploads/2023/09/1030h502-1.png', '', 'Уменьшено на 13,3% (33,4 КБ) - Ранее оптимизированные', 224220, 258468, '', 10, 0, 1, '2023-12-06 14:30:00', NULL), (74, 3624, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/09/1030h502-1-300x146.png', '', 'Уменьшено на 10,0% (4,0 КБ) - Ранее оптимизированные', 36961, 41066, '', 10, 0, 1, '2023-12-06 14:30:01', NULL), (75, 3624, 'media', 'large', 'ABSPATHwp-content/uploads/2023/09/1030h502-1-1024x499.png', '', 'Уменьшено на 10,5% (26,0 КБ) - Ранее оптимизированные', 228163, 254825, '', 10, 0, 1, '2023-12-06 14:30:03', NULL), (76, 3624, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/09/1030h502-1-150x150.png', '', 'Уменьшено на 9,9% (2,1 КБ) - Ранее оптимизированные', 19452, 21596, '', 10, 0, 1, '2023-12-06 14:30:04', NULL), (77, 3624, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/09/1030h502-1-768x374.png', '', 'Уменьшено на 10,5% (17,2 КБ) - Ранее оптимизированные', 150585, 168164, '', 10, 0, 1, '2023-12-06 14:30:06', NULL), (78, 3621, 'media', 'full', 'ABSPATHwp-content/uploads/2023/09/1030h502.png', '', 'Уменьшено на 13,8% (66,6 КБ) - Ранее оптимизированные', 425571, 493817, '', 10, 0, 1, '2023-12-06 14:30:11', NULL), (79, 3621, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/09/1030h502-300x146.png', '', 'Уменьшено на 9,2% (5,4 КБ) - Ранее оптимизированные', 54610, 60171, '', 10, 0, 1, '2023-12-06 14:30:12', NULL), (80, 3621, 'media', 'large', 'ABSPATHwp-content/uploads/2023/09/1030h502-1024x499.png', '', 'Уменьшено на 9,3% (39,7 КБ) - Ранее оптимизированные', 397860, 438475, '', 10, 0, 1, '2023-12-06 14:30:17', NULL), (81, 3621, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/09/1030h502-150x150.png', '', 'Уменьшено на 9,6% (3,2 КБ) - Ранее оптимизированные', 30911, 34194, '', 10, 0, 1, '2023-12-06 14:30:18', NULL), (82, 3621, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/09/1030h502-768x374.png', '', 'Уменьшено на 9,4% (25,4 КБ) - Ранее оптимизированные', 250579, 276552, '', 10, 0, 1, '2023-12-06 14:30:20', NULL), (83, 3617, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-27.png', '', 'Уменьшено на 20,5% (27,7 КБ) - Ранее оптимизированные', 110310, 138669, '', 10, 0, 1, '2023-12-06 14:30:23', NULL), (84, 3617, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-27-300x146.png', '', 'Уменьшено на 8,6% (2,7 КБ) - Ранее оптимизированные', 29942, 32748, '', 10, 0, 1, '2023-12-06 14:30:23', NULL), (85, 3617, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-27-1024x499.png', '', 'Уменьшено на 9,2% (13,6 КБ) - Ранее оптимизированные', 138244, 152170, '', 10, 0, 1, '2023-12-06 14:30:25', NULL), (86, 3617, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-27-150x150.png', '', 'Уменьшено на 8,4% (1,4 КБ) - Ранее оптимизированные', 15397, 16806, '', 10, 0, 1, '2023-12-06 14:30:26', NULL), (87, 3617, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-27-768x374.png', '', 'Уменьшено на 8,4% (8,9 КБ) - Ранее оптимизированные', 98639, 107729, '', 10, 0, 1, '2023-12-06 14:30:28', NULL), (88, 3614, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-26.png', '', 'Уменьшено на 15,7% (72,7 КБ) - Ранее оптимизированные', 399071, 473496, '', 10, 0, 1, '2023-12-06 14:30:33', NULL), (89, 3614, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-26-300x146.png', '', 'Уменьшено на 10,1% (5,0 КБ) - Ранее оптимизированные', 45376, 50479, '', 10, 0, 1, '2023-12-06 14:30:34', NULL), (90, 3614, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-26-1024x499.png', '', 'Уменьшено на 9,7% (34,2 КБ) - Ранее оптимизированные', 325894, 360885, '', 10, 0, 1, '2023-12-06 14:30:40', NULL), (91, 3614, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-26-150x150.png', '', 'Уменьшено на 8,8% (2,2 КБ) - Ранее оптимизированные', 23461, 25738, '', 10, 0, 1, '2023-12-06 14:30:41', NULL), (92, 3614, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-26-768x374.png', '', 'Уменьшено на 9,6% (21,2 КБ) - Ранее оптимизированные', 204706, 226379, '', 10, 0, 1, '2023-12-06 14:30:44', NULL), (93, 3611, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502.jpg', '', 'Уменьшено на 11,4% (42,9 КБ) - Ранее оптимизированные', 341097, 385068, '', 10, 0, 1, '2023-12-06 14:30:45', NULL), (94, 3611, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-300x146.jpg', '', 'Уменьшено на 1,1% (173,0 Б) - Ранее оптимизированные', 15969, 16142, '', 10, 0, 1, '2023-12-06 14:30:46', NULL), (95, 3611, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-1024x499.jpg', '', 'Уменьшено на 1,6% (1,5 КБ) - Ранее оптимизированные', 92281, 93809, '', 10, 0, 1, '2023-12-06 14:30:47', NULL), (96, 3611, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-150x150.jpg', '', 'Без экономии', 8527, 8527, '', 10, 0, 1, '2023-12-06 14:30:47', NULL), (97, 3611, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-768x374.jpg', '', 'Уменьшено на 1,5% (971,0 Б) - Ранее оптимизированные', 61683, 62654, '', 10, 0, 1, '2023-12-06 14:30:48', NULL), (98, 3607, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-5-15.jpg', '', 'Уменьшено на 10,6% (29,3 КБ)', 252528, 282570, '', 10, 0, 1, '2023-12-06 14:18:55', NULL), (99, 3607, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-5-15-300x147.jpg', '', 'Уменьшено на 0,6% (82,0 Б)', 13269, 13351, '', 10, 0, 1, '2023-12-06 14:18:55', NULL), (100, 3607, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-5-15-1024x500.jpg', '', 'Уменьшено на 1,4% (1,0 КБ)', 71250, 72292, '', 10, 0, 1, '2023-12-06 14:18:56', NULL), (101, 3607, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-5-15-150x150.jpg', '', 'Без экономии', 6160, 6160, '', 10, 0, 1, '2023-12-06 14:18:57', NULL), (102, 3607, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-5-15-768x375.jpg', '', 'Уменьшено на 1,5% (738,0 Б)', 47592, 48330, '', 10, 0, 1, '2023-12-06 14:18:58', NULL), (103, 3604, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-4-15.jpg', '', 'Уменьшено на 11,2% (29,8 КБ)', 241545, 272062, '', 10, 0, 1, '2023-12-06 14:19:00', NULL), (104, 3604, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-4-15-300x146.jpg', '', 'Уменьшено на 0,4% (44,0 Б)', 12263, 12307, '', 10, 0, 1, '2023-12-06 14:19:00', NULL), (105, 3604, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-4-15-1024x499.jpg', '', 'Уменьшено на 1,7% (1,1 КБ)', 66148, 67303, '', 10, 0, 1, '2023-12-06 14:19:01', NULL), (106, 3604, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-4-15-150x150.jpg', '', 'Без экономии', 5470, 5470, '', 10, 0, 1, '2023-12-06 14:19:02', NULL), (107, 3604, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-4-15-768x374.jpg', '', 'Уменьшено на 2,1% (975,0 Б)', 45277, 46252, '', 10, 0, 1, '2023-12-06 14:19:04', NULL), (108, 3601, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-14.jpg', '', 'Уменьшено на 11,6% (35,4 КБ)', 274850, 311068, '', 10, 0, 1, '2023-12-06 14:19:05', NULL), (109, 3601, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-14-300x146.jpg', '', 'Уменьшено на 1,6% (213,0 Б)', 13004, 13217, '', 10, 0, 1, '2023-12-06 14:19:07', NULL), (110, 3601, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-14-1024x499.jpg', '', 'Уменьшено на 3,2% (2,3 КБ)', 72114, 74486, '', 10, 0, 1, '2023-12-06 14:19:08', NULL), (111, 3601, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-14-150x150.jpg', '', 'Без экономии', 6599, 6599, '', 10, 0, 1, '2023-12-06 14:19:09', NULL), (112, 3601, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-14-768x374.jpg', '', 'Уменьшено на 3,1% (1,5 КБ)', 49630, 51216, '', 10, 0, 1, '2023-12-06 14:19:10', NULL), (113, 3598, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-2-13.jpg', '', 'Уменьшено на 11,1% (31,4 КБ)', 256617, 288733, '', 10, 0, 1, '2023-12-06 14:19:11', NULL), (114, 3598, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-2-13-300x147.jpg', '', 'Уменьшено на 1,3% (186,0 Б)', 14056, 14242, '', 10, 0, 1, '2023-12-06 14:19:12', NULL), (115, 3598, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-2-13-1024x500.jpg', '', 'Уменьшено на 1,5% (1,1 КБ)', 73771, 74864, '', 10, 0, 1, '2023-12-06 14:19:13', NULL), (116, 3598, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-2-13-150x150.jpg', '', 'Без экономии', 7349, 7349, '', 10, 0, 1, '2023-12-06 14:19:14', NULL), (117, 3598, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-2-13-768x375.jpg', '', 'Уменьшено на 1,0% (520,0 Б)', 51141, 51661, '', 10, 0, 1, '2023-12-06 14:19:14', NULL), (118, 3593, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-25.png', '', 'Уменьшено на 10,4% (43,9 КБ)', 387743, 432717, '', 10, 0, 1, '2023-12-06 14:19:19', NULL), (119, 3593, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-25-300x146.png', '', 'Уменьшено на 8,4% (3,6 КБ)', 40021, 43680, '', 10, 0, 1, '2023-12-06 14:19:21', NULL), (120, 3593, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-25-1024x499.png', '', 'Уменьшено на 5,2% (19,1 КБ)', 356337, 375872, '', 10, 0, 1, '2023-12-06 14:19:27', NULL), (121, 3593, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-25-150x150.png', '', 'Уменьшено на 8,6% (2,2 КБ)', 23316, 25521, '', 10, 0, 1, '2023-12-06 14:19:28', NULL), (122, 3593, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-25-768x374.png', '', 'Уменьшено на 4,1% (9,0 КБ)', 214896, 224083, '', 10, 0, 1, '2023-12-06 14:19:32', NULL), (123, 3590, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-dlya-android.jpg', '', 'Уменьшено на 11,3% (35,3 КБ)', 282514, 318673, '', 10, 0, 1, '2023-12-06 14:19:34', NULL), (124, 3590, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-dlya-android-300x146.jpg', '', 'Уменьшено на 1,6% (243,0 Б)', 14573, 14816, '', 10, 0, 1, '2023-12-06 14:19:36', NULL), (125, 3590, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-dlya-android-1024x499.jpg', '', 'Уменьшено на 1,9% (1,5 КБ)', 79081, 80629, '', 10, 0, 1, '2023-12-06 14:19:38', NULL), (126, 3590, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-dlya-android-150x150.jpg', '', 'Без экономии', 7692, 7692, '', 10, 0, 1, '2023-12-06 14:19:40', NULL), (127, 3590, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-dlya-android-768x374.jpg', '', 'Уменьшено на 2,2% (1,2 КБ)', 53674, 54899, '', 10, 0, 1, '2023-12-06 14:19:41', NULL), (128, 3586, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-8.png', '', 'Уменьшено на 10,7% (18,2 КБ)', 154899, 173489, '', 10, 0, 1, '2023-12-06 14:19:45', NULL), (129, 3586, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-8-300x146.png', '', 'Уменьшено на 11,0% (3,4 КБ)', 28229, 31719, '', 10, 0, 1, '2023-12-06 14:19:46', NULL), (130, 3586, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-8-1024x499.png', '', 'Уменьшено на 13,2% (24,5 КБ)', 164996, 190110, '', 10, 0, 1, '2023-12-06 14:19:48', NULL), (131, 3586, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-8-150x150.png', '', 'Уменьшено на 13,9% (2,1 КБ)', 13631, 15827, '', 10, 0, 1, '2023-12-06 14:19:49', NULL), (132, 3586, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-8-768x374.png', '', 'Уменьшено на 12,9% (15,9 КБ)', 109659, 125917, '', 10, 0, 1, '2023-12-06 14:19:51', NULL), (133, 3583, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-24.png', '', 'Уменьшено на 17,0% (41,0 КБ)', 204463, 246401, '', 10, 0, 1, '2023-12-06 14:19:54', NULL), (134, 3583, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-24-300x146.png', '', 'Уменьшено на 10,9% (5,0 КБ)', 42313, 47479, '', 10, 0, 1, '2023-12-06 14:19:55', NULL), (135, 3583, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-24-1024x499.png', '', 'Уменьшено на 9,6% (25,4 КБ)', 245514, 271572, '', 10, 0, 1, '2023-12-06 14:19:57', NULL), (136, 3583, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-24-150x150.png', '', 'Уменьшено на 16,4% (4,1 КБ)', 21201, 25356, '', 10, 0, 1, '2023-12-06 14:19:59', NULL), (137, 3583, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-24-768x374.png', '', 'Уменьшено на 10,0% (17,9 КБ)', 165504, 183825, '', 10, 0, 1, '2023-12-06 14:20:01', NULL), (138, 3580, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-3-14.jpg', '', 'Уменьшено на 10,6% (34,0 КБ)', 291897, 326664, '', 10, 0, 1, '2023-12-06 14:20:03', NULL), (139, 3580, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-3-14-300x146.jpg', '', 'Уменьшено на 1,6% (207,0 Б)', 12836, 13043, '', 10, 0, 1, '2023-12-06 14:20:05', NULL), (140, 3580, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-3-14-1024x499.jpg', '', 'Уменьшено на 2,5% (1,9 КБ)', 76600, 78576, '', 10, 0, 1, '2023-12-06 14:20:07', NULL), (141, 3580, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-3-14-150x150.jpg', '', 'Без экономии', 6908, 6908, '', 10, 0, 1, '2023-12-06 14:20:09', NULL), (142, 3580, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-3-14-768x374.jpg', '', 'Уменьшено на 2,7% (1,4 КБ)', 51538, 52951, '', 10, 0, 1, '2023-12-06 14:20:12', NULL), (143, 3577, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-2-12.jpg', '', 'Уменьшено на 10,1% (27,6 КБ)', 250337, 278552, '', 10, 0, 1, '2023-12-06 14:20:14', NULL), (144, 3577, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-2-12-300x147.jpg', '', 'Уменьшено на 1,1% (141,0 Б)', 12216, 12357, '', 10, 0, 1, '2023-12-06 14:20:15', NULL), (145, 3577, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-2-12-1024x500.jpg', '', 'Уменьшено на 1,7% (1,1 КБ)', 65651, 66813, '', 10, 0, 1, '2023-12-06 14:20:16', NULL), (146, 3577, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-2-12-150x150.jpg', '', 'Без экономии', 6791, 6791, '', 10, 0, 1, '2023-12-06 14:20:17', NULL), (147, 3577, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-2-12-768x375.jpg', '', 'Уменьшено на 2,1% (958,0 Б)', 44997, 45955, '', 10, 0, 1, '2023-12-06 14:20:18', NULL), (148, 3574, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-3-13.jpg', '', 'Уменьшено на 11,6% (39,1 КБ)', 306017, 346013, '', 10, 0, 1, '2023-12-06 14:20:20', NULL), (149, 3574, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-3-13-300x146.jpg', '', 'Уменьшено на 1,3% (176,0 Б)', 12937, 13113, '', 10, 0, 1, '2023-12-06 14:20:20', NULL), (150, 3574, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-3-13-1024x499.jpg', '', 'Уменьшено на 2,2% (1,8 КБ)', 81047, 82871, '', 10, 0, 1, '2023-12-06 14:20:21', NULL), (151, 3574, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-3-13-150x150.jpg', '', 'Без экономии', 5783, 5783, '', 10, 0, 1, '2023-12-06 14:20:22', NULL), (152, 3574, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-3-13-768x374.jpg', '', 'Уменьшено на 2,2% (1,2 КБ)', 53436, 54631, '', 10, 0, 1, '2023-12-06 14:20:23', NULL), (153, 3571, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-7.png', '', 'Уменьшено на 16,4% (29,4 КБ)', 153771, 183864, '', 10, 0, 1, '2023-12-06 14:20:26', NULL), (154, 3571, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-7-300x146.png', '', 'Уменьшено на 8,9% (3,4 КБ)', 36007, 39533, '', 10, 0, 1, '2023-12-06 14:20:28', NULL), (155, 3571, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-7-1024x499.png', '', 'Уменьшено на 8,5% (15,3 КБ)', 169875, 185581, '', 10, 0, 1, '2023-12-06 14:20:32', NULL), (156, 3571, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-7-150x150.png', '', 'Уменьшено на 9,0% (1,7 КБ)', 18118, 19902, '', 10, 0, 1, '2023-12-06 14:20:34', NULL), (157, 3571, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-7-768x374.png', '', 'Уменьшено на 8,6% (11,0 КБ)', 120368, 131622, '', 10, 0, 1, '2023-12-06 14:20:37', NULL), (158, 3561, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-23.png', '', 'Уменьшено на 10,8% (16,0 КБ)', 135480, 151881, '', 10, 0, 1, '2023-12-06 14:20:40', NULL), (159, 3561, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-23-300x146.png', '', 'Уменьшено на 11,0% (4,1 КБ)', 34010, 38200, '', 10, 0, 1, '2023-12-06 14:20:42', NULL), (160, 3561, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-23-1024x499.png', '', 'Уменьшено на 11,0% (21,6 КБ)', 178492, 200587, '', 10, 0, 1, '2023-12-06 14:20:45', NULL), (161, 3561, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-23-150x150.png', '', 'Уменьшено на 10,3% (1,8 КБ)', 16360, 18245, '', 10, 0, 1, '2023-12-06 14:20:46', NULL), (162, 3561, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-23-768x374.png', '', 'Уменьшено на 11,2% (15,3 КБ)', 123891, 139510, '', 10, 0, 1, '2023-12-06 14:20:48', NULL), (163, 3557, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-5-14.jpg', '', 'Уменьшено на 10,7% (36,0 КБ)', 306675, 343544, '', 10, 0, 1, '2023-12-06 14:20:49', NULL), (164, 3557, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-5-14-300x147.jpg', '', 'Уменьшено на 1,3% (190,0 Б)', 14445, 14635, '', 10, 0, 1, '2023-12-06 14:20:50', NULL), (165, 3557, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-5-14-1024x500.jpg', '', 'Уменьшено на 1,5% (1,3 КБ)', 85834, 87148, '', 10, 0, 1, '2023-12-06 14:20:51', NULL), (166, 3557, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-5-14-150x150.jpg', '', 'Без экономии', 7823, 7823, '', 10, 0, 1, '2023-12-06 14:20:52', NULL), (167, 3557, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-5-14-768x375.jpg', '', 'Уменьшено на 1,8% (1,0 КБ)', 57534, 58565, '', 10, 0, 1, '2023-12-06 14:20:54', NULL), (168, 3554, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-4-14.jpg', '', 'Уменьшено на 11,3% (24,6 КБ)', 198403, 223593, '', 10, 0, 1, '2023-12-06 14:20:56', NULL), (169, 3554, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-4-14-300x146.jpg', '', 'Уменьшено на 0,0% (3,0 Б)', 10895, 10898, '', 10, 0, 1, '2023-12-06 14:20:57', NULL), (170, 3554, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-4-14-1024x499.jpg', '', 'Уменьшено на 1,2% (665,0 Б)', 56153, 56818, '', 10, 0, 1, '2023-12-06 14:20:58', NULL), (171, 3554, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-4-14-150x150.jpg', '', 'Без экономии', 5181, 5181, '', 10, 0, 1, '2023-12-06 14:21:00', NULL), (172, 3554, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-4-14-768x374.jpg', '', 'Уменьшено на 1,5% (571,0 Б)', 38636, 39207, '', 10, 0, 1, '2023-12-06 14:21:01', NULL), (173, 3552, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-13.jpg', '', 'Уменьшено на 11,5% (36,0 КБ)', 284237, 321137, '', 10, 0, 1, '2023-12-06 14:21:02', NULL), (174, 3552, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-13-300x146.jpg', '', 'Уменьшено на 1,0% (149,0 Б)', 14577, 14726, '', 10, 0, 1, '2023-12-06 14:21:03', NULL), (175, 3552, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-13-1024x499.jpg', '', 'Уменьшено на 2,3% (1,8 КБ)', 79049, 80887, '', 10, 0, 1, '2023-12-06 14:21:04', NULL), (176, 3552, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-13-150x150.jpg', '', 'Без экономии', 7567, 7567, '', 10, 0, 1, '2023-12-06 14:21:05', NULL), (177, 3552, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-13-768x374.jpg', '', 'Уменьшено на 2,1% (1,1 КБ)', 54416, 55566, '', 10, 0, 1, '2023-12-06 14:21:06', NULL), (178, 3548, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-22.png', '', 'Уменьшено на 12,8% (40,5 КБ)', 283388, 324906, '', 10, 0, 1, '2023-12-06 14:21:10', NULL), (179, 3548, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-22-300x146.png', '', 'Уменьшено на 9,6% (4,2 КБ)', 39935, 44188, '', 10, 0, 1, '2023-12-06 14:21:12', NULL), (180, 3548, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-22-1024x499.png', '', 'Уменьшено на 9,9% (29,9 КБ)', 278876, 309472, '', 10, 0, 1, '2023-12-06 14:21:18', NULL), (181, 3548, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-22-150x150.png', '', 'Уменьшено на 10,9% (2,6 КБ)', 21764, 24431, '', 10, 0, 1, '2023-12-06 14:21:20', NULL), (182, 3548, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-22-768x374.png', '', 'Уменьшено на 9,8% (18,7 КБ)', 175363, 194475, '', 10, 0, 1, '2023-12-06 14:21:23', NULL), (183, 3543, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-6.png', '', 'Уменьшено на 14,8% (44,5 КБ)', 262241, 307767, '', 10, 0, 1, '2023-12-06 14:21:29', NULL), (184, 3543, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-6-300x146.png', '', 'Уменьшено на 10,2% (4,6 КБ)', 41699, 46411, '', 10, 0, 1, '2023-12-06 14:21:31', NULL), (185, 3543, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-6-1024x499.png', '', 'Уменьшено на 10,1% (28,3 КБ)', 256328, 285259, '', 10, 0, 1, '2023-12-06 14:21:37', NULL), (186, 3543, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-6-150x150.png', '', 'Уменьшено на 10,5% (2,7 КБ)', 23308, 26054, '', 10, 0, 1, '2023-12-06 14:21:38', NULL), (187, 3543, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-1-6-768x374.png', '', 'Уменьшено на 10,2% (19,0 КБ)', 171996, 191449, '', 10, 0, 1, '2023-12-06 14:21:41', NULL), (188, 3540, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-21.png', '', 'Уменьшено на 21,1% (27,6 КБ)', 105634, 133899, '', 10, 0, 1, '2023-12-06 14:21:44', NULL), (189, 3540, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-21-300x146.png', '', 'Уменьшено на 10,9% (3,9 КБ)', 32132, 36083, '', 10, 0, 1, '2023-12-06 14:21:45', NULL), (190, 3540, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-21-1024x499.png', '', 'Уменьшено на 7,8% (12,8 КБ)', 155244, 168363, '', 10, 0, 1, '2023-12-06 14:21:47', NULL), (191, 3540, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-21-150x150.png', '', 'Уменьшено на 8,9% (1,5 КБ)', 16180, 17761, '', 10, 0, 1, '2023-12-06 14:21:49', NULL), (192, 3540, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-21-768x374.png', '', 'Уменьшено на 7,2% (8,4 КБ)', 111209, 119836, '', 10, 0, 1, '2023-12-06 14:21:51', NULL), (193, 3537, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-20.png', '', 'Уменьшено на 5,1% (13,9 КБ)', 266268, 280498, '', 10, 0, 1, '2023-12-06 14:21:56', NULL), (194, 3537, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-20-300x147.png', '', 'Уменьшено на 0,7% (354,0 Б)', 49585, 49939, '', 10, 0, 1, '2023-12-06 14:21:58', NULL), (195, 3537, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-20-1024x500.png', '', 'Уменьшено на 1,9% (5,2 КБ)', 271926, 277228, '', 10, 0, 1, '2023-12-06 14:22:04', NULL), (196, 3537, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-20-150x150.png', '', 'Уменьшено на 1,1% (267,0 Б)', 25030, 25297, '', 10, 0, 1, '2023-12-06 14:22:06', NULL), (197, 3537, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-20-768x375.png', '', 'Уменьшено на 1,8% (3,3 КБ)', 184617, 187994, '', 10, 0, 1, '2023-12-06 14:22:09', NULL), (198, 3534, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-2-11.jpg', '', 'Уменьшено на 11,6% (41,0 КБ)', 320543, 362478, '', 10, 0, 1, '2023-12-06 14:22:10', NULL), (199, 3534, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-2-11-300x146.jpg', '', 'Уменьшено на 1,6% (246,0 Б)', 15170, 15416, '', 10, 0, 1, '2023-12-06 14:22:11', NULL), (200, 3534, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-2-11-1024x499.jpg', '', 'Уменьшено на 2,8% (2,4 КБ)', 86895, 89380, '', 10, 0, 1, '2023-12-06 14:22:12', NULL), (201, 3534, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-2-11-150x150.jpg', '', 'Без экономии', 6957, 6957, '', 10, 0, 1, '2023-12-06 14:22:13', NULL), (202, 3534, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-2-11-768x374.jpg', '', 'Уменьшено на 2,6% (1,5 КБ)', 58849, 60431, '', 10, 0, 1, '2023-12-06 14:22:14', NULL), (203, 3531, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-19.png', '', 'Уменьшено на 14,6% (28,5 КБ)', 170559, 199752, '', 10, 0, 1, '2023-12-06 14:22:18', NULL), (204, 3531, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-19-300x146.png', '', 'Уменьшено на 0,0% (12,0 Б)', 42127, 42139, '', 10, 0, 1, '2023-12-06 14:22:20', NULL), (205, 3531, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-19-1024x499.png', '', 'Уменьшено на 0,3% (569,0 Б)', 200344, 200913, '', 10, 0, 1, '2023-12-06 14:22:24', NULL), (206, 3531, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-19-150x150.png', '', 'Уменьшено на 8,3% (1,6 КБ)', 18750, 20438, '', 10, 0, 1, '2023-12-06 14:22:26', NULL), (207, 3531, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-19-768x374.png', '', 'Уменьшено на 0,1% (137,0 Б)', 142425, 142562, '', 10, 0, 1, '2023-12-06 14:22:28', NULL), (208, 3528, 'media', 'full', 'ABSPATHwp-content/uploads/2023/08/1030h502-6-10.jpg', '', 'Уменьшено на 11,2% (33,5 КБ)', 271363, 305640, '', 10, 0, 1, '2023-12-06 14:22:30', NULL), (209, 3528, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/08/1030h502-6-10-300x146.jpg', '', 'Без экономии', 11505, 11505, '', 10, 0, 1, '2023-12-06 14:22:32', NULL), (210, 3528, 'media', 'large', 'ABSPATHwp-content/uploads/2023/08/1030h502-6-10-1024x499.jpg', '', 'Уменьшено на 1,1% (731,0 Б)', 66832, 67563, '', 10, 0, 1, '2023-12-06 14:22:33', NULL), (211, 3528, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/08/1030h502-6-10-150x150.jpg', '', 'Без экономии', 6346, 6346, '', 10, 0, 1, '2023-12-06 14:22:33', NULL), (212, 3528, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/08/1030h502-6-10-768x374.jpg', '', 'Уменьшено на 1,9% (856,0 Б)', 44230, 45086, '', 10, 0, 1, '2023-12-06 14:22:34', NULL), (4235, 3342, 'media', 'full', 'ABSPATHwp-content/uploads/2023/07/1690296090254.jpg', '', 'Уменьшено на 72,0% (150,0 КБ)', 59881, 213521, '', 10, 0, 1, '2023-12-06 14:23:32', NULL), (4236, 3342, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/07/1690296090254-300x191.jpg', '', 'Без экономии', 9162, 9162, '', 10, 0, 1, '2023-12-06 14:23:38', NULL), (4237, 3342, 'media', 'large', 'ABSPATHwp-content/uploads/2023/07/1690296090254-1024x653.jpg', '', 'Уменьшено на 4,9% (2,8 КБ)', 54789, 57612, '', 10, 0, 1, '2023-12-06 14:23:38', NULL), (4238, 3342, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/07/1690296090254-150x150.jpg', '', 'Без экономии', 3914, 3914, '', 10, 0, 1, '2023-12-06 14:23:39', NULL), (4239, 3342, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/07/1690296090254-768x490.jpg', '', 'Уменьшено на 3,8% (1,4 КБ)', 36636, 38095, '', 10, 0, 1, '2023-12-06 14:23:40', NULL), (4240, 3345, 'media', 'full', 'ABSPATHwp-content/uploads/2023/07/1030h502-17.png', '', 'Уменьшено на 4,6% (14,6 КБ)', 307108, 322056, '', 10, 0, 1, '2023-12-06 14:23:37', NULL), (4241, 3345, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/07/1030h502-17-300x147.png', '', 'Уменьшено на 0,8% (381,0 Б)', 46959, 47340, '', 10, 0, 1, '2023-12-06 14:23:41', NULL), (4242, 3345, 'media', 'large', 'ABSPATHwp-content/uploads/2023/07/1030h502-17-1024x500.png', '', 'Уменьшено на 0,9% (2,7 КБ)', 296779, 299554, '', 10, 0, 1, '2023-12-06 14:23:45', NULL), (4243, 3345, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/07/1030h502-17-150x150.png', '', 'Уменьшено на 0,1% (13,0 Б)', 25226, 25239, '', 10, 0, 1, '2023-12-06 14:23:46', NULL), (4244, 3345, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/07/1030h502-17-768x375.png', '', 'Уменьшено на 1,1% (2,1 КБ)', 192662, 194824, '', 10, 0, 1, '2023-12-06 14:23:49', NULL), (4245, 4599, 'media', 'full', 'ABSPATHwp-content/uploads/2023/12/1030h502-17.jpg', '', 'Уменьшено на 69,8% (364,6 КБ)', 161530, 534887, '', 10, 0, 1, '2023-12-13 11:53:48', NULL), (4246, 4599, 'media', 'medium', 'ABSPATHwp-content/uploads/2023/12/1030h502-17-300x146.jpg', '', 'Уменьшено на 1,6% (273,0 Б)', 16614, 16887, '', 10, 0, 1, '2023-12-13 11:53:48', NULL), (4247, 4599, 'media', 'large', 'ABSPATHwp-content/uploads/2023/12/1030h502-17-1024x499.jpg', '', 'Уменьшено на 1,9% (1,9 КБ)', 101845, 103768, '', 10, 0, 1, '2023-12-13 11:53:48', NULL), (4248, 4599, 'media', 'thumbnail', 'ABSPATHwp-content/uploads/2023/12/1030h502-17-150x150.jpg', '', 'Без экономии', 8153, 8153, '', 10, 0, 1, '2023-12-13 11:53:48', NULL), (4249, 4599, 'media', 'medium_large', 'ABSPATHwp-content/uploads/2023/12/1030h502-17-768x374.jpg', '', 'Уменьшено на 1,9% (1,2 КБ)', 66153, 67421, '', 10, 0, 1, '2023-12-13 11:53:48', NULL); -- -------------------------------------------------------- -- -- Структура таблицы `wp_ewwwio_queue` -- CREATE TABLE IF NOT EXISTS `wp_ewwwio_queue` ( `id` int UNSIGNED NOT NULL 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'published', '2020-02-25 13:53:41', 'https://smartslider3.com/wp-content/uploads/slider404/tutorialsliderthumbnail-1.png', 1), (2, NULL, 'Мой проект', 'simple', '{\"width\":1200,\"height\":600,\"responsiveLimitSlideWidth\":1,\"widget-arrow-enabled\":1,\"widgetarrow\":\"imageEmpty\",\"responsive-mode\":\"fullwidth\",\"version\":\"3.5.1.21\"}', 'published', '2024-02-06 13:39:11', '', 0); -- -------------------------------------------------------- -- -- Структура таблицы `wp_nextend2_smartslider3_sliders_xref` -- CREATE TABLE IF NOT EXISTS `wp_nextend2_smartslider3_sliders_xref` ( `group_id` int NOT NULL, `slider_id` int NOT NULL, `ordering` int NOT NULL DEFAULT '0', PRIMARY KEY (`group_id`,`slider_id`), KEY `ordering` (`ordering`) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_520_ci; -- -- Дамп данных таблицы `wp_nextend2_smartslider3_sliders_xref` -- INSERT INTO `wp_nextend2_smartslider3_sliders_xref` (`group_id`, `slider_id`, `ordering`) VALUES (0, 2, 0); -- -------------------------------------------------------- -- -- Структура таблицы `wp_nextend2_smartslider3_slides` -- CREATE TABLE IF NOT EXISTS `wp_nextend2_smartslider3_slides` ( `id` int NOT NULL AUTO_INCREMENT, `title` text COLLATE utf8mb4_unicode_520_ci, `slider` int NOT NULL, `publish_up` datetime NOT NULL DEFAULT '1970-01-01 00:00:00', `publish_down` datetime NOT NULL DEFAULT '1970-01-01 00:00:00', `published` tinyint(1) NOT NULL, `first` int NOT NULL, `slide` longtext COLLATE utf8mb4_unicode_520_ci, `description` text COLLATE utf8mb4_unicode_520_ci NOT NULL, `thumbnail` text COLLATE utf8mb4_unicode_520_ci, `params` text COLLATE utf8mb4_unicode_520_ci NOT NULL, `ordering` int NOT NULL, `generator_id` int NOT NULL, PRIMARY KEY (`id`), KEY `published` (`published`), KEY `publish_up` (`publish_up`), KEY `publish_down` (`publish_down`), KEY `generator_id` (`generator_id`), KEY `ordering` (`ordering`), KEY `slider` (`slider`), KEY `thumbnail` (`thumbnail`(100)) ) ENGINE=InnoDB AUTO_INCREMENT=4 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_520_ci; -- -- Дамп данных таблицы `wp_nextend2_smartslider3_slides` -- INSERT INTO `wp_nextend2_smartslider3_slides` (`id`, `title`, `slider`, `publish_up`, `publish_down`, `published`, `first`, `slide`, `description`, `thumbnail`, `params`, `ordering`, `generator_id`) VALUES (1, 'Slide Background', 1, '1970-01-01 00:00:00', '1970-01-01 00:00:00', 1, 0, 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'', 'https://smartslider3.com/wp-content/uploads/slider424/slidebackground.jpg', 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Связанные записи

\";s:10:\"rp_xformat\";s:95:\"%post_title% (%post_comment%)\";s:12:\"rp_adv_usage\";s:0:\"\";s:14:\"cloud_taxonomy\";s:8:\"post_tag\";s:17:\"cloud_selectionby\";s:5:\"count\";s:15:\"cloud_selection\";s:4:\"desc\";s:13:\"cloud_orderby\";s:6:\"random\";s:11:\"cloud_order\";s:3:\"asc\";s:15:\"cloud_limit_qty\";i:45;s:16:\"cloud_notagstext\";s:18:\"Нет меток.\";s:11:\"cloud_title\";s:32:\"

Облако меток

\";s:12:\"cloud_format\";s:4:\"flat\";s:13:\"cloud_xformat\";s:155:\"%tag_name%\";s:15:\"cloud_max_color\";s:7:\"#000000\";s:15:\"cloud_min_color\";s:7:\"#CCCCCC\";s:14:\"cloud_max_size\";i:22;s:14:\"cloud_min_size\";i:8;s:10:\"cloud_unit\";s:2:\"pt\";s:15:\"cloud_adv_usage\";s:0:\"\";}', 'yes'), (5099, 'simpletags-version', '3.11.1', 'yes'), (5100, 'widget_simpletags', 'a:1:{s:12:\"_multiwidget\";i:1;}', 'yes'), (5101, 'widget_simpletags-shortcode', 'a:1:{s:12:\"_multiwidget\";i:1;}', 'yes'), (5102, 'widget_simpletags-posttags', 'a:1:{s:12:\"_multiwidget\";i:1;}', 'yes'), (5103, 'widget_simpletags-relatedposts', 'a:1:{s:12:\"_multiwidget\";i:1;}', 'yes'), (5104, 'taxopress_reviews_installed_on', '2023-11-07 00:25:21', 'yes'), (5105, 'taxopress_autolinks', 'a:1:{i:1;a:22:{s:5:\"title\";s:9:\"Auto link\";s:8:\"taxonomy\";s:8:\"post_tag\";s:13:\"autolink_case\";s:4:\"none\";s:16:\"autolink_display\";s:12:\"post_content\";s:24:\"autolink_title_attribute\";s:41:\"Записи, помеченные с %s\";s:18:\"autolink_usage_min\";s:1:\"1\";s:17:\"auto_link_exclude\";s:0:\"\";s:18:\"autolink_usage_max\";s:2:\"10\";s:23:\"autolink_same_usage_max\";s:1:\"1\";s:17:\"autolink_min_char\";s:0:\"\";s:17:\"autolink_max_char\";s:0:\"\";s:22:\"autolink_exclude_class\";s:0:\"\";s:13:\"hook_priority\";s:2:\"12\";s:8:\"embedded\";a:0:{}s:14:\"html_exclusion\";a:0:{}s:22:\"html_exclusion_customs\";a:0:{}s:28:\"html_exclusion_customs_entry\";a:0:{}s:16:\"unattached_terms\";s:1:\"1\";s:11:\"ignore_case\";s:1:\"1\";s:12:\"autolink_dom\";s:1:\"1\";s:13:\"synonyms_link\";s:1:\"0\";s:2:\"ID\";i:1;}}', 'yes'), (5106, 'taxopress_autolink_ids_increament', '1', 'yes'), (5107, 'taxopress_default_autolinks', '1', 'yes'), (5108, 'taxopress_autoterms', 'a:1:{i:1;a:15:{s:5:\"title\";s:9:\"Auto term\";s:8:\"taxonomy\";s:8:\"post_tag\";s:13:\"autoterm_from\";s:5:\"posts\";s:21:\"autoterm_use_taxonomy\";s:1:\"1\";s:15:\"autoterm_useall\";s:1:\"1\";s:16:\"autoterm_useonly\";s:1:\"0\";s:15:\"autoterm_target\";s:1:\"0\";s:13:\"autoterm_word\";s:1:\"0\";s:13:\"autoterm_hash\";s:1:\"0\";s:11:\"terms_limit\";s:1:\"0\";s:13:\"synonyms_term\";s:1:\"0\";s:14:\"specific_terms\";a:0:{}s:10:\"post_types\";a:0:{}s:11:\"post_status\";a:1:{i:0;s:7:\"publish\";}s:2:\"ID\";i:1;}}', 'yes'), (5109, 'taxopress_autoterm_ids_increament', '1', 'yes'), (5110, 'taxopress_default_autoterms', '1', 'yes'), (5111, 'taxopress_tagclouds', 'a:1:{i:1;a:20:{s:5:\"title\";s:13:\"Terms Display\";s:9:\"post_type\";s:0:\"\";s:6:\"before\";s:0:\"\";s:5:\"after\";s:0:\"\";s:8:\"taxonomy\";s:8:\"post_tag\";s:3:\"max\";s:2:\"45\";s:11:\"selectionby\";s:5:\"count\";s:9:\"selection\";s:4:\"desc\";s:7:\"orderby\";s:6:\"random\";s:5:\"order\";s:4:\"desc\";s:8:\"smallest\";s:1:\"8\";s:7:\"largest\";s:2:\"22\";s:4:\"unit\";s:2:\"pt\";s:6:\"format\";s:4:\"flat\";s:5:\"color\";s:4:\"true\";s:8:\"mincolor\";s:7:\"#CCCCCC\";s:8:\"maxcolor\";s:7:\"#000000\";s:7:\"xformat\";s:145:\"%tag_name%\";s:10:\"limit_days\";s:1:\"0\";s:2:\"ID\";i:1;}}', 'yes'), (5112, 'taxopress_tagcloud_ids_increament', '1', 'yes'), (5113, 'taxopress_default_tagclouds', '1', 'yes'), (5114, 'taxopress_posttagss', 'a:1:{i:1;a:10:{s:5:\"title\";s:22:\"Terms for Current Post\";s:8:\"taxonomy\";s:8:\"post_tag\";s:8:\"embedded\";a:0:{}s:6:\"number\";s:1:\"0\";s:9:\"separator\";s:2:\", \";s:5:\"after\";s:6:\"
\";s:6:\"before\";s:12:\"Метки: \";s:9:\"notagtext\";s:34:\"В записи нет меток.\";s:7:\"xformat\";s:54:\"%tag_name%\";s:2:\"ID\";i:1;}}', 'yes'), (5115, 'taxopress_posttags_ids_increament', '1', 'yes'), (5116, 'taxopress_default_posttagss', '1', 'yes'), (5117, 'taxopress_relatedposts', 'a:1:{i:1;a:13:{s:5:\"title\";s:13:\"Related Posts\";s:12:\"title_header\";s:2:\"h4\";s:6:\"before\";s:0:\"\";s:5:\"after\";s:0:\"\";s:10:\"post_types\";a:0:{}s:8:\"taxonomy\";s:8:\"post_tag\";s:6:\"number\";s:1:\"5\";s:10:\"limit_days\";s:1:\"0\";s:5:\"order\";s:10:\"count-desc\";s:11:\"nopoststext\";s:41:\"Нет связанных записей.\";s:7:\"xformat\";s:78:\"%post_title%\";s:8:\"embedded\";a:0:{}s:2:\"ID\";i:1;}}', 'yes'), (5118, 'taxopress_relatedpost_ids_increament', '1', 'yes'), (5119, 'taxopress_default_relatedposts', '1', 'yes'), (5120, 'migrate_taxopress_ai_legacy_api', '1', 'yes'), (5207, 'wp_attachment_pages_enabled', '1', 'yes'), (5716, 'eps_redirects_version', '2.73', 'yes'), (5717, 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Чтобы начать процесс оптимизации, вам необходимо подтвердить ключ API на странице Настройки ShortPixel в панели администратора WordPress.\n

\n

Если у вас еще нет API-ключа, просто заполните форму, и ключ будет создан.

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Примерный текст такого письма: Уважаемый владелец сайтаМы хотим обратить ваше внимание на некоторые важные изменения в наших правилах и предписаниях, которые влияют на работу вашего веб-сайта WordPress.Для обеспечения безопасности и качества обслуживания необходимо принять новые правила. Если вы с ними не согласны […]\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:3:\"Yui\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:40:\"http://purl.org/rss/1.0/modules/content/\";a:1:{s:7:\"encoded\";a:1:{i:0;a:5:{s:4:\"data\";s:4902:\"\n

В последнее время администраторы сайтов WordPress стали заметно чаще получать письма якобы от WordPress.org или WordPress.com. Примерный текст такого письма:

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\n

Уважаемый владелец сайта
Мы хотим обратить ваше внимание на некоторые важные изменения в наших правилах и предписаниях, которые влияют на работу вашего веб-сайта WordPress.
Для обеспечения безопасности и качества обслуживания необходимо принять новые правила. Если вы с ними не согласны и не предпримете необходимых действий, ваш веб-сайт будет отключен.

КНОПКА ДЛЯ ПЕРЕХОДА
Пожалуйста, ознакомьтесь с изменениями и примите решение до 12.05.2023. Мы ценим ваше сотрудничество и готовы помочь вам с любыми вопросами или озабоченностями.
Спасибо вам за ваше понимание и оперативные действия!

Automattic, Inc. — 60 29th St. #343, Сан-Франциско, Калифорния 94110

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Обращаем ваше внимание, WordPress Foundation, Automattic Inc, Команда безопасности WordPress не рассылают писем владельцам сайтов, не просят переходить по ссылкам для принятия каких-либо условий, не просят установить никаких плагинов или совершать иные действия не связанные со штатным обновлением вашего сайта (Консоль-Обновления).

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Если вы подписаны на какие-либо рассылки WordPress, убедитесь что исходящий адрес не был подделан:

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\"\"
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вы можете сделать это просмотрев служебные заголовки сообщения email.

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Официальными доменами являются .wordpress.org и .wordpress.net , а также домены третьего уровня, например ru.wordpress.org (обратите внимание что .wordpress.org является концом доменной части адреса (перед слешем /) и перед wordpress.org имеется точка, а не какой-то иной символ, например тире).

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Также обращайте внимания на письма исходящие якобы от вашего хостинга, вашего регистратора домена и прочее, в случае сомнений обращайтесь в службу поддержки хостинга, регистратора и.т.д. зайдя в личный кабинет в соответствующем месте. Не переходите по ссылкам из писем и не совершайте сомнительных действий о которых вас просят возможные мошенники.

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Официальное сообщение от команды безопасности WordPress (на английском): https://wordpress.org/news/2023/12/alert-wordpress-security-team-impersonation-scams/

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Каждый год сообщество WordPress проводит ежегодный опрос для пользователей и участников сообщества.

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Пройти опрос за этот год
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Пользователи, создатели сайтов, создатели расширений и участники разработки предоставляют ценные отзывы посредством ежегодного опроса. В прошлом, 2022 году, исследование получило комплексное обновление, впервые за шесть лет. Общее количество вопросов было сокращено до 29 ( ранее около 100), большинство социально-экономических вопросов были удалены, а также введена шкала Лайкерта. Эти обновления были призваны повысить процент заполнения опроса, обеспечить более эффективный и структурированный анализ этих данных и позволить опросу лучше всего оценить темы, которые наиболее важны для сообщества WordPress.

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Итоги предыдущего опроса за 2022 год

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В опросе 2022 года процент завершения увеличился на 26%, однако количество заполнений сократилось на 56% до примерно 3400, включая около 800 участников разработки. В этом году опрос стартует ранее чем в прошлом, что, надеемся, позволит увеличить его количество участников.

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Ключевые моменты:

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Более подробно ознакомиться с результатами можно скачав этот файл PDF.

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Опрос этого года

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Чтобы ваш опыт работы с WordPress был представлен в результатах опроса 2023 года, примите участие в опросе прямо сейчас

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Пройти опрос
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Вы также можете пройти опрос на других языках, воспользовавшись ссылкой выше и переключившись на другой язык, благодаря усилиям полиглотов WordPress. Опрос будет открыт в течение пяти недель. Результаты будут опубликованы в блоге WordPress News в начале декабря.

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В этом году, как и в прошлом, в опрос были внесены некоторые улучшения в структуру и набор вопросов. Также тестируется новая платформа, предлагающая обновленный интерфейс, расширенную многоязычную поддержку, расширенные инструменты анализа и визуализации результатов и многое другое. Новая платформа также имеет встроенные средства контроля доступа и конфиденциальности, что гарантирует, что опрос будет отвечать разнообразным потребностям сообщества WordPress.

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Пожалуйста, помогите распространить информацию об опросе, поделившись им в своей сети, через Slack или через записи в социальных сетях. Чем больше людей заполнят опрос и поделятся своим опытом работы с WordPress, тем большую пользу принесет проект.

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Безопасность и конфиденциальность данных имеют первостепенное значение для проекта WordPress и сообщества. Учитывая это, все данные будут анонимизированы: никакие адреса электронной почты или IP-адреса не будут связаны с опубликованными результатами. Чтобы узнать больше о политике конфиденциальности WordPress.org, ознакомьтесь с политикой конфиденциальности.

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Благодарности

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Спасибо Hostinger, Jetpack, и WordPress.com за помощь в продвижении опроса среди своих клиентов.

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Благодарим следующих участников сообщества WordPress за помощь в проекте ежегодного опроса, включая создание вопросов, стратегию, составление опроса и перевод:
adamsilverstein, adurasjb, alvarogóis, atachibana, bjmcsherry, chanthaboune, dansoschin, eidolonnight, fierevere, fxbénard, hassantafreshi, juliagasparyan, kittmedia, manudavidos, nao, nilovelez, rmartinezduque, и tobifjellner.

\n\n\n\n
\n
Пройти опрос
\n
\n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:30:\"com-wordpress:feed-additions:1\";a:1:{s:7:\"post-id\";a:1:{i:0;a:5:{s:4:\"data\";s:4:\"2631\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:2;a:6:{s:4:\"data\";s:60:\"\n \n \n \n \n \n \n \n \n\n \n \n \n \n \n \";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:4:{s:0:\"\";a:6:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:76:\"WordPress отмечает 20 лет! Результаты опроса 2022\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:71:\"https://ru.wordpress.org/news/2023/05/20th-anniversary-and-2022-survey/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Thu, 18 May 2023 15:47:00 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:8:\"category\";a:2:{i:0;a:5:{s:4:\"data\";s:14:\"Новости\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}i:1;a:5:{s:4:\"data\";s:25:\"Общие вопросы\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:32:\"https://ru.wordpress.org/?p=2579\";s:7:\"attribs\";a:1:{s:0:\"\";a:1:{s:11:\"isPermaLink\";s:5:\"false\";}}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:621:\"27 мая WordPress отмечает свое 20-летие. По всему миру проходит множество праздников и вечеринок, надеюсь, с тортом, потому что все мы знаем, что вечеринка без торта — это просто встреча. Но если вы еще не присоединились к празднованию, у вас еще есть время, чтобы получить свой сувенир на юбилей WordPress, поделиться вашим любимым воспоминанием о […]\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:3:\"Yui\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:40:\"http://purl.org/rss/1.0/modules/content/\";a:1:{s:7:\"encoded\";a:1:{i:0;a:5:{s:4:\"data\";s:10150:\"\n

27 мая WordPress отмечает свое 20-летие.

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По всему миру проходит множество праздников и вечеринок, надеюсь, с тортом, потому что все мы знаем, что вечеринка без торта — это просто встреча.

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Но если вы еще не присоединились к празднованию, у вас еще есть время, чтобы получить свой сувенир на юбилей WordPress, поделиться вашим любимым воспоминанием о WordCamp, устроить целую вечеринку, если хотите, или поделиться видео для публикации на wp20.wordpress.net.

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За двадцать лет WordPress прошел долгий путь от форка Cafe Log и на настоящее время обслуживает 82 миллиона веб-сайтов (43% всех сайтов сети по данным W3Techs) и имеет экономический вес экосистемы в размере 597 миллиардов долларов. Но команда WordPress не останавливается на этом и не может просто сказать «хорошая работа, а теперь просто посмотрим, что будет дальше».

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У WordPress большие планы на будущее, многие из которых основаны на совершенствовании нового редактора блоков в WordPress, который направлен на снижение входных барьеров для людей на любом этапе их обучения.

Присоединиться к празднованию юбилея WordPress онлайн или найти встречу или мероприятие поблизости можно на сайте wp20.wordpress.net.

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Результаты ежегодного сообщества WordPress за 2022 год

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Каждый год члены сообщества WordPress предоставляют ценные отзывы в рамках ежегодного опроса. На 2022 год опрос получил комплексное обновление, первое за шесть лет. Общее количество вопросов было сокращено с почти 100 до 29, в основном удалены социально-экономические вопросы и введена шкала Лайкерта. Эти обновления были предназначены для увеличения скорости заполнения опроса, обеспечения более эффективного и структурированного анализа этих данных и позиционирования опроса для наилучшего определения тем, которые наиболее важны для сообщества WordPress.

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Цель состоит в том, чтобы информация, полученная в ходе опроса, помогла информировать об инициативах и направлениях работы WordPress в ближайшем будущем, наряду с другими сигналами, такими как обсуждения в сообществе, блоги Making WordPress и мероприятия.

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Основные моменты

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В выпуске опроса 2022 года процент завершения увеличился на 26%, однако количество представленных материалов уменьшилось на 56% до примерно 3400, включая около 800 участников. Для опроса 2023 года реклама будет увеличена, что, мы надеемся, компенсирует снижение числа заявок. Доля анкет заполненных на русском языке составила 7% (237 участников). Мы очень надеемся увидеть больше в опросе за 2023 год!

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Планы на 2023

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В следующей итерации опроса планируется улучшить языковые возможности, а также продолжить уточнение вопросов вариантов ответов. Важно помнить, что заполнение опроса требует времени, поэтому мы хотим убедиться, что членам сообщества задаются вопросы, которые больше всего помогают WordPress.

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Предварительный план состоит в том, чтобы запустить опрос 2023 года уже в августе. Это создаст возможность собрать больше результатов и, что наиболее важно, их учета в планировании ключевых инициатив и направлений деятельности на 2024 год. Отзывы сообщества жизненно важны для успеха и направления проекта.

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Скачать PDF-файл с результатами опроса
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Для подготовки публикации использованы материалы:

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Episode 55: Happy Anniversary, WordPress!
2022 Annual Survey Results & Next Steps

\n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:30:\"com-wordpress:feed-additions:1\";a:1:{s:7:\"post-id\";a:1:{i:0;a:5:{s:4:\"data\";s:4:\"2579\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:3;a:6:{s:4:\"data\";s:60:\"\n \n \n \n \n \n \n \n \n\n \n \n \n \n \n \";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:4:{s:0:\"\";a:6:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:43:\"Люди WordPress: Хаува Абашия\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:73:\"https://ru.wordpress.org/news/2023/03/people-of-wordpress-hauwa-abashiya/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Sat, 04 Mar 2023 12:56:03 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:8:\"category\";a:2:{i:0;a:5:{s:4:\"data\";s:18:\"Люди WordPress\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}i:1;a:5:{s:4:\"data\";s:19:\"people-of-wordpress\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:32:\"https://ru.wordpress.org/?p=2569\";s:7:\"attribs\";a:1:{s:0:\"\";a:1:{s:11:\"isPermaLink\";s:5:\"false\";}}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:650:\"В этой статье мы рассказываем о Хауве Абашия, менеджере проектов в Нигерии и Великобритании, чье стремление помогать людям и ее профессиональные навыки нашли применение и признание в глобальном сообществе WordPress. Иногда нам везет найти в жизни дело, к которому мы не только готовы присоединиться, но и отстаивать. Чтобы бы это ни было, оно может помочь […]\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Olga Gleckler\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:40:\"http://purl.org/rss/1.0/modules/content/\";a:1:{s:7:\"encoded\";a:1:{i:0;a:5:{s:4:\"data\";s:29662:\"\n

В этой статье мы рассказываем о Хауве Абашия, менеджере проектов в Нигерии и Великобритании, чье стремление помогать людям и ее профессиональные навыки нашли применение и признание в глобальном сообществе WordPress.

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\"Портретная
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Иногда нам везет найти в жизни дело, к которому мы не только готовы присоединиться, но и отстаивать. Чтобы бы это ни было, оно может помочь нам выйти за рамки повседневной рутины и переосмыслить то, что мы знаем. Именно это случилось с Хаувой, она почувствовала, что нашла свое место и смогла по новому посмотреть на свою жизнь и планы. 

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Для нее поворотной точкой стало открытие WordPress, проекта с открытым исходным кодом.

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Обучение разработке и WordPress

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В 2017 году Хаува, уже опытный и успешный менеджер проектов, осознала, что не испытывает от работы того же восторга, как раньше, и ей откровенно скучно. «Я знала, что мне по-прежнему нравится работать с проектами и заниматься их управлением, но мне нужно было что-то менять», — вспоминает она.

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Тогда Хаува записалась на курсы веб-разработки, где освоила HTML, CSS и немного JavaScript. Одной из возможностей курса было изучение WordPress, и она выбрала его. Преподаватель курса посоветовал ей посетить конференцию WordCamp.

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Хаува посчитала, что необходимо иметь базовые знания о CMS (системе управления контентом сайта) до того, как приедет на мероприятие, и углубилась в самостоятельное изучение WordPress. Первый WordCamp, который она посетила, проходил в приморском городе Брайтон на южном побережье Англии. Там она встретила людей, которые стали ее друзьями и наставниками на долгие годы.

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«Меня вдохновили встречи с людьми из сообщества WordPress. Моя жизнь и мое желание поддерживать сообщества изменились к лучшему благодаря людям, которых я встретила, и я продолжаю благодарна судьбе за знакомство с ними».

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Глобальное сообщество WordPress: от Германии до Нигерии

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Открыв для себя сообщество WordPress в Великобритании, Хаува заинтересовалась его реальными масштабами, и услышав, что WordCamp Europe — флагманское мероприятие, собирающее тысячи людей со всего мира, захотела принять участие в его организации и использовать свои навыки управления проектами. Она подала заявку и стала волонтером в трехдневной конференции, которая в 2019 году проходила в столице Германии, Берлине. На этом мероприятии Хаува познакомилась не только с участниками со всего мира, но и открыла для себя активное сообщество WordPress в своей родной Нигерии. После она обнаружила как легко поддерживать связь с друзьями со всего мира через мессенджеры. 

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Вдохновившись людьми, которые использовали WordPress для улучшения жизни людей в Нигерии и других частях Африки, Хаува начала изучать, как WordPress и его глобальное сообщество могут помочь улучшить взаимопонимание между культурами и континентами.

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\"Хаува
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Отец Хаувы, доктор Ауду Квасау Абашия, и ее мать Розалинд Зулай Абашия — известны своей благотворительной деятельностью, в частности оказанием поддержки людям в Кадуне, на севере Нигерии, и Абудже в центре страны. Хаува поясняет: «Моя мама происходит из семьи, которая делится своими навыками для оказания практической помощи. От друзей, с которыми я познакомилась в WordPress, я узнала, что есть части общества, которые придерживаются такой же этики. Я могла бы стать частью этого, внести свою лепту в развитие Нигерии в будущем».

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Ее родители основали благотворительный фонд, цель которого — помощь вдовам, сиротам и детям получить доступ к образованию, от финансов до музыки. Он связывает тех, кто нуждается в помощи, и тех, кто может оказать поддержку.

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Хаува говорит: «Обучение людей практическим навыкам, которые можно использовать для получения дохода или которыми можно поделиться с семьей и другими людьми в своем районе, очень важно. Подобные проекты помогают развивать и поддерживать общину. Такие навыки, как шитье и кулинария — это не просто возможность одеться и поставить еду на стол, но и обретение независимости и гордости. Они являются примером того, как микроэкономика может развиваться и вдохновлять людей на мечты, воплощающиеся в жизнь. В ходе своей работы и учебы я убедилась, что технологии, используемые сознательно и с пониманием решаемых задач, способны изменить жизнь общин к лучшему. Такие проекты, как WordPress, могут стать частью этой движущей силы благодаря переводу на родной язык и самому программному обеспечению, позволяющему делиться идеями».

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\"Хаува
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Имея опыт управления проектами и работы в сфере информационных технологий, Хаува все больше интересуется тем, как можно использовать свои навыки не только для сплочения сообщества, но и для практического долгосрочного вклада в местную инфраструктуру и внедрения быстро меняющихся технологий.

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Она говорит: «Я бы хотела, чтобы некоторые люди, которым помог фонд, основанный моими родителями, могли поделиться своими идеями и достижениями и вдохновлять других. Одним из путей может стать программное обеспечение с открытым исходным кодом, доступное для использования и которое может работать на мобильных телефонах».

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«Побыв представителем Training Team (команды обучения), я на собственном опыте убедилась, насколько важно, чтобы пользователи не являющиеся технарями могли использовать программное обеспечение для обмена своими идеями без необходимости становиться разработчиками. Мы все можем помочь людям быть услышанными, и если мы работаем в сфере технологий, мы играем определенную роль в создании и продвижении доступности инструментов для этого».

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В списке желаний Хаувы помочь африканским странам получить доступ к программному обеспечению и технологиям на их местных языках. Она говорит: «Это часть самобытности, уважения и признания различных культур, а не ожидание того, что все будет переведено с английского дословно. Это дает возможность пожилым людям пользоваться программным обеспечением или опубликованным контентом».

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Хаува выучила хауса (язык, на котором говорят в нескольких африканских странах) и английский одновременно у себя дома в Нигерии. Она, как и ее родители, получила образование в разных местах, училась и работала в разных странах. В 16 лет Хаува занялась информатикой как развлечением, не догадываясь, что в будущем это станет важной частью ее трудовой жизни. 

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Она собиралась поступить в университет, чтобы изучать финансы и социологию. Когда она пошла прощаться с классом по информатике, учитель спросил, что она собирается делать. Услышав о ее планах, учитель сказал: «Ты не хочешь заниматься этим, ты хочешь заниматься чем-то в области IT». Этот разговор стал поворотным моментом для Хаувы. Она продолжила изучать вычислительные и информационные системы и объектно-ориентированные информационные системы для получения степени магистра в Великобритании.

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На втором курсе университета она также работала с технологиями вводом данных и в смежных областях, поскольку была полна решимости узнать как можно больше о различных направлениях. После окончания магистратуры она выбрала работу, которая позволяла ей работать с системами, их поддержкой, управлением проектами, цепочками поставок и закупками. Она является сторонником изучения как можно большего количества смежных дисциплин, чтобы получить широкий набор инструментов для реального понимания того, что нужно клиентам и как помочь им достичь подходящих и своевременных решений. Эти навыки оказались полезными и в последующие годы, что позволило ей найти время для поддержки конференций WordCamp, митапов и Training Team. Она говорит: «Участники проектов с открытым исходным кодом являются представителями самых разных профессиональных и культурных слоев. Участие в проекте — это отличный способ делиться своими навыками и сохранять их актуальным и быть открытым для новых возможностей обучения».

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Хаува сохранила любовь к управлению проектами и образованию, она получила квалификации в этой области, включая Prince 2 и PMP. Она остается верна идее непрерывного обучения в своей сегодняшней работе с Agile и другими методологиями и находит взаимосвязь между работой и своим стремлением к просвещению.

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\"Хаува
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Стремясь поддержать и местное сообщество в Великобритании, Хаува присоединилась к London WordPress Meetup, а в 2019 году стала организатором WordCamp London, где она использовала свой опыт в области управления проектами. Во время этих мероприятий она провела множество бесед, призывая других развивать свои навыки в области ИТ и делясь собственным опытом.

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Этот интерес к повышению уровня квалификации других людей естественным образом привел ее к дальнейшему участию в работе команд Make WordPress. Вдохновленная идеей поделиться своими навыками другим участником проекта, она присоединилась к Training Team на Contributor Day во время WordCamp. Эта команда трудится над созданием онлайн платформы — Learn, позволяющей людям осваивать программное обеспечение и поддерживать свои знания актуальными, а также научиться развивать сообщество в своем регионе. Хаува считает, что доступность — ключевой фактор, поэтому она посвятила много времени проработке документации для лучшего понимания. Она считает, что это необходимо для того, чтобы действительно предоставить людям доступную информацию и определить, где требуется дополнительная работа. Ее вера в это только укрепилась, когда она присоединилась к Accessibility Team (команде по обеспечению доступности) релиза WordPress 5.6, и она внесла свой вклад в документацию и образовательные материалы.

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Хаува посвятила много часов поддержке Training Team в течение нескольких лет, будучи убежденной в том, что правильные ресурсы могут действительно помочь сообществам во всем мире использовать программное обеспечение с открытым исходным кодом. Она также подчеркивает важность того, чтобы материалы должны быть удобными для пользователей и легко переводиться, поскольку проект WordPress имеет глобальный масштаб.

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Вклад в программное обеспечение с открытым исходным кодом заряжает энергией

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Благодаря сочетанию волонтерской деятельности в Великобритании и Нигерии, а также поддержке участников по всему миру, Хаува заново открыла в себе стремление помогать людям — планировать и достигать своих целей. Она смогла поделиться своим 15-летним опытом управления проектами в своей волонтерской деятельности и призывает других рассмотреть эту профессию в качестве карьеры.

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«Занимаясь волонтерством, вы работаете рядом с людьми. Управление проектами связано с людьми. Это помощь людям в достижении целей. То же самое можно сделать и через волонтерство, и вы можете многому научиться, встречаясь с людьми из разных мест». 

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«Одним из моих стимулов является использование технологий для решения проблем. Для меня, как руководителя проектов, большая честь помогать людям и организациям определять и достигать цели. Это позволяет им обрести ценность. Это одна из причин, по которой меня потянуло к поиску технологических сообществ и участию в них. Если это то, что движет вами, читающими о моем опыте, то у вас есть широкие возможности поделиться своими навыками. Найдите то, что подходит именно вам, там, где вы сейчас находитесь». 

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Хаува призывает всех, кто работает в сфере технологий, углубить свое понимание управления проектами и работы с различными командами. «Навыки управления проектами очень важны, в каком бы проекте вы ни работали. Из-за долгих рабочих часов на протяжении многих лет я чувствовала, что потеряла связь с людьми. Я застряла в, казалось, повторяющемся цикле. Благодаря людям, которых я встретила в сообществе WordPress, и использованию моих профессиональных навыков, я вспомнила о своих собственных ценностях и о том, как в качестве менеджера проектов я могу помочь другим достичь новых высот или сделать что-то ценное и существенное, чем другие могут использовать».  

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В 2022 году Хаува вернулась к работе на полную ставку в национальных и международных проектах впечатляющих своими масштабами и время ее волонтерской работы в рамках глобальных инициатив по развитию сообществ сократилось, но она продолжает вносить свой вклад в WordPress, сосредоточившись на продвижении образовательных проектов и культурной стороне сообщества.

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«Я буду продолжать интересоваться тем, как проекты с открытым исходом, такие как WordPress, работая вместе с другими решениями, может помочь некоммерческим организациям в их развитии. По мне, если существуют технологические решения, то мы все можем сыграть определенную роль в их развитии и изменении ситуации».

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«То, как мы помогаем сообществам, не обязательно должно оставаться неизменным на протяжении всего времени. Важно постоянно смотреть на то, что необходимо, и на то, какую пользу это может принести».

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«Найдите то, что хотела ли бы воплотить для своего родного соообщества, и, возможно, существуют технологии, которые могут воплотить его. Я рада, что начала свое путешествие».

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Поделитесь историями

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Познакомьтесь с другими историями в серии «Люди WordPress», помогите поделиться или с другими и присоединяйтесь к нам, чтобы найти новое применение собственным знаниям и талантам, найти друзей и внести вклад в развитие проекта в глобальном масштабе. Тут находят единомышленников и филологи, и самые отъявленные технари. Make WordPress сейчас насчитывает 21 команду, и вы всегда можете присоединиться к русскоязычному комьюнити в Telegram.

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Авторы и редакторы

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Спасибо Хауве Абашия (@azhiyadev) за ее #ContributorStory.

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Спасибо Абе Такор (@webcommsat) за интервью и запись, а также Мехер Бала (@meher), Хлое Брингманн @cbringmann), Мари Баум (@marybaum), Налини Такор (@nalininonstopnewsuk) and Майе Лончар (@majaloncar) за редактуру и работу с фотографиями.

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Серия Люди WordPress благодарит Джозефу Хейден (@chanthaboune) и Тофера ДеРозиа (@topher1kenobe) за поддержку проекта.

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Перевод на русский: Ольга Глеклер (@oglekler)

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Эта статья основана на первоначальной публикации HeroPress.com, инициативе, ориентированной на людей в сообществе WordPress, созданной Тофером ДеРозиа @topher1kenobe.

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Читайте эту и другие истории серии «People of WordPress» (на английском) или «Люди WordPress» (на русском).

\n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:30:\"com-wordpress:feed-additions:1\";a:1:{s:7:\"post-id\";a:1:{i:0;a:5:{s:4:\"data\";s:4:\"2569\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:4;a:6:{s:4:\"data\";s:60:\"\n \n \n \n \n \n \n \n \n\n \n \n \n \n \n \";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:4:{s:0:\"\";a:6:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:49:\"Сообщество WordPress Russia в Telegram\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:132:\"https://ru.wordpress.org/news/2023/02/%d1%81%d0%be%d0%be%d0%b1%d1%89%d0%b5%d1%81%d1%82%d0%b2%d0%be-wordpress-russia-%d0%b2-telegram/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Sat, 18 Feb 2023 12:57:18 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:8:\"category\";a:2:{i:0;a:5:{s:4:\"data\";s:14:\"Новости\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}i:1;a:5:{s:4:\"data\";s:25:\"Общие вопросы\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:32:\"https://ru.wordpress.org/?p=2558\";s:7:\"attribs\";a:1:{s:0:\"\";a:1:{s:11:\"isPermaLink\";s:5:\"false\";}}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:667:\"В связи с закрытием пространства WordPress Russia в Slack с 21 марта 2023 года, были открыты каналы сообщества в Telegram.Добро пожаловать: https://t.me/ru_wp_org На каналах можно как общаться по поводу WordPress и сообщества, по развитию проекта WordPress (внесению своего вклада в проект), так и просто пообщаться (#random). Обратите внимание!Все темы, связанные с поддержкой WordPress следует по-прежнему […]\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:3:\"Yui\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:40:\"http://purl.org/rss/1.0/modules/content/\";a:1:{s:7:\"encoded\";a:1:{i:0;a:5:{s:4:\"data\";s:2580:\"\n
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В связи с закрытием пространства WordPress Russia в Slack с 21 марта 2023 года, были открыты каналы сообщества в Telegram.
Добро пожаловать: https://t.me/ru_wp_org

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На каналах можно как общаться по поводу WordPress и сообщества, по развитию проекта WordPress (внесению своего вклада в проект), так и просто пообщаться (#random).

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Обратите внимание!
Все темы, связанные с поддержкой WordPress следует по-прежнему создавать на форуме, сообщество в Telegram (как и ранее в Slack) существует
прежде всего для общения на темы, связанные с внесением своего вклада в развитие WordPress любым из доступных способов: разработка ядра, дизайн, переводы, ответы на форумах, документация, публикация плагинов и тем в каталоге, организация мероприятий, улучшение самого портала WordPress.org, тестирование, маркетинг, CLI и т.д.

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Для переводов WordPress, плагинов, тем и прочих связаных проектов существует канал https://t.me/wp_translate.

\n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:30:\"com-wordpress:feed-additions:1\";a:1:{s:7:\"post-id\";a:1:{i:0;a:5:{s:4:\"data\";s:4:\"2558\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:5;a:6:{s:4:\"data\";s:60:\"\n \n \n \n \n \n \n \n \n\n \n \n \n \n \n \";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:4:{s:0:\"\";a:6:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:116:\"Ежегодный опрос пользователей и участников разработки WordPress 2022\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:60:\"https://ru.wordpress.org/news/2022/12/2022-wordpress-survey/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Fri, 02 Dec 2022 16:13:58 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:8:\"category\";a:2:{i:0;a:5:{s:4:\"data\";s:14:\"Новости\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}i:1;a:5:{s:4:\"data\";s:25:\"Общие вопросы\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:32:\"https://ru.wordpress.org/?p=2547\";s:7:\"attribs\";a:1:{s:0:\"\";a:1:{s:11:\"isPermaLink\";s:5:\"false\";}}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:715:\"Каждый год сообщество WordPress проводит ежегодный опрос для пользователей и участников сообщества. Ключевые выводы и тенденции, выявляемые в результате этого опроса, часто отражаются в ежегодном обращении State of the Word, публикуются в общедоступных блогах проекта и могут влиять на направление и стратегию проекта WordPress. Проще говоря: этот опрос помогает тем, кто создает WordPress, больше узнать […]\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:3:\"Yui\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:40:\"http://purl.org/rss/1.0/modules/content/\";a:1:{s:7:\"encoded\";a:1:{i:0;a:5:{s:4:\"data\";s:6149:\"\n
\n

Каждый год сообщество WordPress проводит ежегодный опрос для пользователей и участников сообщества.

\n
\"\"
\n\n\n\n

Ключевые выводы и тенденции, выявляемые в результате этого опроса, часто отражаются в ежегодном обращении State of the Word, публикуются в общедоступных блогах проекта и могут влиять на направление и стратегию проекта WordPress.

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Проще говоря: этот опрос помогает тем, кто создает WordPress, больше узнать о том, как и кем используется программное обеспечение. Опрос также помогает руководителям проектов с открытым исходным кодом WordPress больше узнать об опыте наших участников.

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В этом году опрос был переработан и стал заметно короче, поэтому ответы на него займут у вас не так много времени.

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В этом году мы предлагаем пройти вам этот опрос:

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На русском
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In English
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Как и в прошлом году, предлагаются и другие языки: французский, немецкий, итальянский, японский, и испанский. Это шесть наиболее часто используемых языков, помимо английского, основываясь на количестве загрузок программного обеспечения WordPress. Возможно, в 2023 году будут добавлены и другие.

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Сбор данных осуществляется в полном соответствии с политикой конфиденциальности WordPress.org: все данные будут анонимизированы и не будут ассоциироваться с IP-адресами и адресами e-mail.

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Опрос открыт до конца 2022 года, его результаты будут опубликованы позже в блоге WordPress.org.

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Помогите распространить информацию об опросе, поделившись им в социальных сетях или иным способом. Чем больше людей пройдут опрос и поделятся своим опытом работы с WordPress, тем больше пользы получит проект в будущем.

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Благодарность

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За помощь в создании, оформлении и переводе на национальные языки опроса, спасибо следующим участникам: dansoschin, _dorsvenabili, angelasjin, arkangel, audrasjb, atachibana, bjmcsherry, chanthaboune, eidolonnight, fernandot, fierevere, fxbenard, jdy68, jpantani, laurlittle, nao, nielslange, peiraisotta, piermario, rmartinezduque, santanainniss.

\n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:30:\"com-wordpress:feed-additions:1\";a:1:{s:7:\"post-id\";a:1:{i:0;a:5:{s:4:\"data\";s:4:\"2547\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:6;a:6:{s:4:\"data\";s:60:\"\n \n \n \n \n \n \n \n \n\n \n \n \n \n \n \";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:4:{s:0:\"\";a:6:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:85:\"Прекращение поддержки старых версий WordPress 3.7-4.0\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:103:\"https://ru.wordpress.org/news/2022/11/dropping-security-updates-for-wordpress-versions-3-7-through-4-0/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 30 Nov 2022 09:17:40 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:8:\"category\";a:2:{i:0;a:5:{s:4:\"data\";s:25:\"Общие вопросы\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}i:1;a:5:{s:4:\"data\";s:12:\"Релизы\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:32:\"https://ru.wordpress.org/?p=2544\";s:7:\"attribs\";a:1:{s:0:\"\";a:1:{s:11:\"isPermaLink\";s:5:\"false\";}}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:826:\"Команда безопасности WordPress прекратит предоставлять обновления для версий WordPress 3.7–4.0, начиная с 1 декабря 2022 года. Официально WordPress предоставляет поддержку только последней версии программного обеспечения. Команда безопасности исторически практикует предоставление исправлений безопасности в качестве любезности для сайтов с более старыми версиями в ожидании, что сайты будут автоматически обновлены. До сих пор эти исправления включали все […]\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:3:\"Yui\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:40:\"http://purl.org/rss/1.0/modules/content/\";a:1:{s:7:\"encoded\";a:1:{i:0;a:5:{s:4:\"data\";s:2294:\"\n

Команда безопасности WordPress прекратит предоставлять обновления для версий WordPress 3.7–4.0, начиная с 1 декабря 2022 года.

\n\n\n\n

Официально WordPress предоставляет поддержку только последней версии программного обеспечения. Команда безопасности исторически практикует предоставление исправлений безопасности в качестве любезности для сайтов с более старыми версиями в ожидании, что сайты будут автоматически обновлены.

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До сих пор эти исправления включали все версии WordPress, поддерживающие автоматические обновления. Версии WordPress 3.7 – 4.0 достигли уровней использования менее 1% от общего числа установок, где польза от предоставления этих обновлений перевешивается затраченными усилиями.

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Сегодня, 30 ноября 2022, выйдут последние обновления для веток 3.7, 3.8, 3.9 и 4.0, в них единственным изменением станет анонсирование прекращения поддержки безопасности и предложение перейти на более свежую версию WordPress.

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Если у вас возникнут проблемы при переходе к новой версии WordPress, вы можете обратиться на форумы поддержки. Не забывайте о резервном копировании перед внесением изменений на свой сайт.

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Мы продолжаем серию интервью с участниками русского сообщества WordPress, объединяющем русскоговорящих разработчиков, переводчиков, пользователей и владельцев сайтов по всему миру. 

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\"\"
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Сегодня мы беседуем с Михаилом Кобзарёвым, автором плагинов и техноблогером, чье имя и никнейм на слуху у всех, кто интересуется новостями WordPress.

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— Более 13 лет ты совмещаешь веб-разработку с личным блогом, а последние 5 лет еще и WordPress Digest ведешь. Как удается все совмещать и не разбрасываться, что тебя вдохновляет и чему научился за это время? 

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Начнем с того, что мой общий стаж в разработке почти 19 лет, за которые я перепробовал все методики управления своим временем и проектами. Плюс после переезда из мегаполиса в деревню я стал работать удаленно задолго до того, как это стало мейнстримом. По этим причинам я выработал для себя определенный график труда и отдыха.

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Во-первых, никакой работы по выходным, праздникам и в отпуске — мозги нужно постоянно разгружать, иначе очень просто выгореть, когда ведешь несколько проектов одновременно и держишь огромные массивы данных в голове, постоянно что-то просчитываешь, прикидываешь, прорабатываешь разные варианты.

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Во-вторых, на протяжении дня обязательны перерывы, во время которых никаких гаджетов и телевизоров быть не должно — глазам тоже нужен отдых. В это время лучше выйти на улицу, пройтись, поглядеть вдаль и помечтать о будущем ) Тут может помочь любой pomodoro таймер.

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В третьих, необходимо соблюдать режим дня (который у меня последнее время немного сбился). Исторически сложилось, что мой рабочий день вот уже много лет начинается в 11 и заканчивается в 19 часов по московскому времени. В Москве это самые удобные часы, чтобы добраться до работы и безболезненно уехать домой, а утром всегда есть время на семью: походы по магазинам или поездка в поликлинику с ребенком.

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Свой блог я начал вести еще когда учился в университете на радиотехника в Туле, он задумывался именно как дневник/записная книжка для себя и одногруппников, где я делился своими открытиями в чудесном мире разработки на РНР, верстки под IE6, Netscape 4 и Opera 6.

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Я очень много поглощаю информации из интернета за день (в основном через RSS как старый добрый олдфаг), особо интересные заметки кладу в закладки для чтения позже. И есть огромное желание делиться этими знаниями с людьми (я помню то время, когда не было интернета и всю информацию мы получали из книг, журналов и энциклопедий), поэтому с появлением Твиттера я стал постить много контента туда, так как под содержимое моего блога.

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Со временем русскоязычный Твиттер стал превращаться в помойку и одновременно с этим появился Телеграм, в котором я был одним из первых бета-тестеров. Мы стали переводить рабочие чаты туда, создавать каналы для своих, так появились сначала закрытые, а потом уже и открытые публично чаты и каналы: WordPress Digest (сюда мы постим новости по WordPress), WordPress Jobs (работа вокруг WordPress), Elementor (чат по конструктору страниц Elementor) и многие другие. Основные можно поглядеть у меня в блоге.

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Вдохновляет меня на все эти подвиги моя семья и мои родители, я им искренне благодарен за знания, которые они в меня вложили в детстве и научили самостоятельности, благодаря которой я много лет занимаюсь самообразованием и стараюсь помогать другим. А вот опыт больших компаний (Apple, Microsoft, Tesla) меня не вдохновляет, так как они всего лишь попали в нужное место в нужное время. Каждый должен наступить на свои грабли, ведь человек не учится на чужих ошибках.

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— Почему WordPress? Всегда ли сложный проект значит «интересный» для тебя как разработчика?

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За эти 19 лет я набрался огромного опыта почти во всех сферах необъятного веба: фронтенд, бэкенд, seo и даже дизайн, перепробовал кучу языков программирования, прошел десятки курсов и прочитал сотни книг, поработал в нескольких крупных компаниях и мелких веб-студий и могу сказать однозначно: WordPress — сила.

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К WordPress я пришел не сразу. Это был долгий тернистый путь. Все начиналось с написания своей CMS в компании Ingate (которая была блочная как текущий Gutenberg и использовала ныне непопулярный XML/XSLT).

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Потом была своя CMS в студии Imagos на чистом РНР4 без фреймворков, которую можно до сих пор встретить на некоторых сайтах.

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А после переезда из Тулы в Москву я попал в информационное агентство, где мы делали сайты для МИД, дипломатов, РАН, поднимали свои информационные, новостные порталы, здесь мне пригодился опыт написания своих CMS под нужды заказчиков и мы с коллегами запилили не просто новую CMS, а целую платформу, на которой сейчас крутится около 12к сайтов для сельских газет, они им достались совершенно бесплатно.

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И тут случился кризис в стране и нам пришлось всем временно уйти на удаленку, так как ЗП платить нам перестали, а на дорогу и покушать в Москве нужно было много денег, плюс съемная квартира и маленький ребенок.

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В это время, чтобы прокормить семью, пришлось работать с разными CMS (Joomla, Drupal, ModX) и фреймворками (Zend, Symfony, Laravel, Yii).

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Компания не смогла быстро выйти из этого кризиса и мы с бывшими коллегами покинули занимаемые должности и запустили несколько стартапов разной направленности, которые мы сделали на популярном тогда Битрикс.

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Работая с Битрикс, я испытал много боли и унижения. В итоге мы уперлись в потолок его кастомизации и решили попробовать WordPress, у меня был небольшой опыт работы с ним в то время. Максимум, что я тогда сделал — развернул свой блог на нем и перенес туда все свои заметки за много лет. Так начался мой путь в WordPress.

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Следующие несколько лет с каждым днем проектов на WordPress мне попадалось все больше и больше, как простых так и сложных, копился опыт и я начал писать свои бесплатные плагины под WordPress, которые я по сей день дополняю и поддерживаю, новый функционал добавляется за счет донов и отдается бесплатно.

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И вот уже 10 лет я делаю сайты на WordPress, разрабатываю бэкенд для мобильных приложений на WordPress REST API или использую «безголовый» (headless) WordPress для сайтов на React/Vue.

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Это не всегда интересные проекты, но всегда достаточно сложные, высоконагруженные и объемные с большим количеством кастомного кода на бэкенде. Я стараюсь не брать (но в качестве исключения иногда беру) совсем простые проекты и не заниматься доработками чужих, предпочитаю стартапы — там всегда можно найти для себя что-то интересное и ограничивает тебя лишь полет фантазии ))

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— Ты родом из маленького села в Магаданской области и сейчас предпочитаешь сельскую местность мегаполисам. Давно ли ты работаешь удаленно, легко ли это и почему выбрал жизнь вне города?

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Родился я в поселке Сеймчан («Солнечная долина» по-эвенски) Магаданской области, после окончания школы поступил в ТулГУ в городе Тула на радиотехника и мечтал ремонтировать телевизоры и видеомагнитофоны, но судьба распорядилась иначе и я открыл для себя бесплатный кабинет интернета в Политехе, который меня заворожил, а после того как я случайно нажал CTRL+U на странице ya.ru и увидел разноцветные строки кода — «поплыл» и не могу остановиться до сих пор.

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Несколько лет работал в Туле, потом в Москве, потом по стечению обстоятельств попал в деревню под Тулой и мне тут так стало просто и кайфово, что я больше не стал возвращаться в мегаполис. Тут чистый воздух, свое хозяйство, красота, спокойствие и нет городской суеты и пробок, в которых я проводил по 2-4 часа в сутки, живя в большом городе. И так уже 7 лет я удаленщик, не путайте с фрилансом (работаю официально, фултайм).

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\"Фотографии
Михаил на отдыхе с сыном
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Но есть и свои минусы: за продуктами, в больницу, стоматологию, кинотеатр приходится ездить в город, но это не является проблемой, когда у тебя есть автомобиль и четкий распорядок дня, когда ты можешь час-два в день отлучиться по личным вопросам.

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— Сейчас в профессиональных чатах активно обсуждается тема трудоустройства и возникает ощущение, что работодатели и кандидаты не могут друг друга найти. Ты размещаешь в Дайджесте вакансии и общаешься и с теми, и с другими. Действительно ли существует проблема и что нужно делать, чтобы найти работу или нанять подходящего специалиста?

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К сожалению, эта проблема сейчас как снежный ком. Образовалась она не так давно по понятным причинам, в основном из-за оттока специалистов за границу во всех сферах жизни и не только в IT.

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Мы с ребятами-волонтерами на нашем проекте WordPress Jobs стараемся помогать обеим сторонам, чтобы компании находили достойных специалистов, а соискатели — работу мечты.

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Сейчас не достаточно просто разместить резюме на сайте HH.ru. Многие компании ушли с рынка и сейчас практически некому заниматься обучением джунов (за исключением таких компаний как Сбер, Яндекс, Тинькофф), все хотят минимум мидлов, которых осталось тоже не так много, поэтому необходимо помимо резюме иметь открытый живой GitHub аккаунт, где рекрутеры смогут увидеть ваши скилы. Желательно крутиться в тематических чатах, куда HR-ы тоже часто заглядывают дабы схантить новых кандидатов. Не стоит забывать про личные блоги (с моего блога на меня приходит 30% заказов) и LinkedIn (правда придется заморочиться с VPN).

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А для компаний один совет — пишите про себя больше и исключительно правду, сейчас всю информацию очень легко проверить, а если работодателя уличат во лжи — доверия от соискателей ждать не стоит. У нас были случаи, когда мы отказывали в размещении вакансий, так как я стараюсь сам лично проверять каждое объявление, «пробивать» компании по открытым базам, общаться с ними лично. Это долго, но снижает процент мошенничества с обеих сторон.

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Мы как раз хотим вынести WordPress Jobs на отдельный домен, доработать его, сделать удобный поиск, интеграцию с биржами типа HH.ru и попытаться давать гарантии как это делают фриланс-биржи, добавить возможность менторинга, обучения, но нужно найти заинтересованных спонсоров и участников проекта, а с этим пока не густо.

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— Порталы по поиску работы рекомендуют делать отдельные резюме точно подходящие под названия вакансий и писать сопроводительное письмо индивидуально каждому работодателю, это весьма трудоемко и поиск работы может растянуться на месяца. Существует другой подход, аналогичный «воронке продаж»  — откликнуться на 1000 вакансий и рассчитывать, что после прохождения 30 собеседований получишь 2-3 предложения о работе. Из-за этого HR специалисты тонут под грудами резюме и подходящие кандидаты, не указавшие в своем резюме все нужные ключевые слова теряются в этом потоке. Есть ли выход из сложившийся практики?

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Оба подхода имеют место быть, в каждом из них есть свои плюсы и минусы.

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Первый подход со стороны соискателя позволяет более точечно подстраиваться под вакансии с определенным набором ключевых слов, но на создание такого количества резюме нужно очень много времени и велик шанс ошибиться лишь в одном месте, наплодив ошибку повсеместно, что может негативно сказаться на вас в дальнейшем. Рекрутерам и компаниям здесь проще в поиске соискателя, но не всем нравится копаться в груде одинаковых резюме, где отличается пара абзацев или список скиллов. С их точки зрения это похоже на переспам и плюсов вам особо не добавит. Это больше моё личное мнение и доверять ему на 100% не нужно.

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Второй подход я считаю более надежным и проверенным годами, сам им часто пользуюсь. Соискателю достаточно создать резюме на любой площадке или в своём блоге или на GitHub и откликнуться хоть на 100500 вакансий и вы с уверенностью в 99% получите пару-тройку офферов. HR, конечно, закопаются в огромном количестве откликов, но такая у них работа.

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Тут самое главное найти золотую середину в обоих подходах и составить детализированное резюме. Постараться указать развернуто должность, на которую вы претендуете, все свои hard и soft skills, опыт работы в хронологическом порядке, занимаемую должность, выполняемые обязанности и ваши достижения в каждой из компаний, где вы когда-либо работали.

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Высшее образование в текущих реалиях не является обязательным условием приема на работу, но указать его желательно. Многие компании до сих пор требуют наличие диплома о высшем образовании для отчетности, не более того. 

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Обязательно укажите контакты, по которым с вами можно связаться в реальном времени. Если есть какие-то рекомендательные или сопроводительные письма — тоже добавьте их к вашему резюме.

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Не стоит указывать ничего лишнего.

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Если вы устраиваетесь не в русскоязычную компанию, то сделайте копию вашего резюме на английском языке.

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— Для WordPress существует огромное количество плагинов и тем, создать сайт можно в считанные минуты, и многие разработчики специализируются на «сборке» сайтов и у них даже не возникает необходимости «заглядывать под капот». В результате работодатели не знают с каким стеком технологий разработчик им нужен, а кандидаты претендуют на работу, которая им не подходит. Можно ли кардинально изменить ситуацию?

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Работодатель по факту и не должен это знать, это больше задача HR или тех людей с техническими навыками, кто у вас будет проводить в итоге собеседования. К сожалению, уровень знаний HR сейчас тоже оставляет желать лучшего, и очень часто годные специалисты не проходят их отсев, но тут только самим проводить интервью.

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Ну и стоит справедливо заметить, что существует огромное количество проектов, где технические навыки для соискателя вообще не нужны. Нет необходимости знать PHP, JavaScript, HTML, SQL, чтобы поставить пачку плагинов, потыкать пару кнопок в админке и запустить сайт для проверки какой-то гипотезы или прощупывания ниши. Мы таких специалистов в своём сообществе называем «Модератор админки».

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А есть очень сложные, запутанные проекты с кучей логики, микросервисов и высокой нагрузкой, где без технических знаний ты и дня не продержишься.

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Поэтому вакансии должен создавать не руководитель и не менеджер проекта, а технически подкованный специалист, ваш будущий коллега, который на пальцах может расписать в резюме, что же вас ждет на будущей работе.

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— Опытные разработчики часто находятся в латентном поиске, то есть сидят и ждут, когда работодатель придет и предложит. Это работает? Что делать работодателю, которому нужен специалист на сложный высоконагруженный проект? Есть ли они вообще такие?

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Я сам постоянно нахожусь в латентном поиске и жду «работу мечты», где мне будет интересно и за это будут соответствующе платить. Это работает, работало и будет работать. И таких специалистов в режиме ожидания достаточно много, обычно они собираются в сообществах в социальных сетях и прекрасно знают друг друга.

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Поэтому, если вам нужно найти реально хорошего профессионала на высоконагруженный проект, то нет ничего лучше, чем «сарафанное радио». Гуру обычно уже где-то работают, но если знакомый коллега предложит что-то более интересное, то, скорее всего, у работодателя появится шанс схантить к себе этого человека. Тут главное внимательно посмотреть соцсети, блоги и GitHub аккаунт, чтобы не попасть на простого «разговорника», которые встречаются в любом сообществе. На словах они гуру, а по факту не далеки от джунов.

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— Что ты посоветуешь тем, кто хочет начать свою карьеру как WordPress-разработчик? Многие курсы предлагают трудоустройство после обучения. Насколько это реально?

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Посоветую только одно — не бояться. WordPress не страшный и не монструозный как его обычно описывают поклонники классического ООП и любители фреймворков типа Symfony и Laravel. У него есть EAV (Entity Attribute Value) вместо ORM и EDA (Event Driven Architecture) вместо MVC. Именно из-за этих отличий у многих разработчиков возникает нелюбовь к WordPress — они не понимают архитектуру и не допускают мысли, что почерпнутые в книгах по ООП подходы не являются единственно правильными. Никто не запрещает использовать ООП, PSR.

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WordPress уже давно не простенькая CMS для создания бложиков. У нее под капотом более десятка различных API для разработчика, весь код покрыт юнит-тестами, соответствует стандартам WPCS (WordPress Coding Standards для PHP_CodeSniffer), простой интерфейс для создания CRUD постепенно внедряется так любимое многими разработчиками ООП. На этом движке можно построить проект любой сложности, главное делать это с головой (MVC, headless, CMF).

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Не просто так же WordPress уже занял 43% всемирного рынка сайтов в вебе.

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Единственное чего пока лично мне не хватает — это удобного интерфейса для работы с кастомными таблицами и поддержки composer для пакетов. Но мы справляемся при помощи WP_List_Table (базовый класс для создания таблиц со списком чего угодно в WordPress. Таблицы поддерживают технологию AJAX. На базе этого класса выводится все виды таблиц в админ-панели WordPress).

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Трудоустройство после курсов вполне реально и многие компании именно так и поступают — сами себе выращивают специалистов и пытаются их как-то заинтересовать и замотивировать, чтобы готовые к употреблению разработчики не разбежались (подбирают интересные проекты, благодарят финансово).

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Если вы думаете, что на WordPress нельзя заработать более 60.000 рублей в месяц, то вы ошибаетесь, рынок труда просто огромен, количество проектов еще больше и ценником в 300.000 рублей в месяц уже никого не удивишь.

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Читайте книги, гуглите Яндексом и почаще посещайте ВП-Каму. Подписывайтесь на WordPress Digest.

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Дерзайте! Всё будет WordPress!

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Вопросы и работа с изображениями: Глеклер Ольга

\n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:30:\"com-wordpress:feed-additions:1\";a:1:{s:7:\"post-id\";a:1:{i:0;a:5:{s:4:\"data\";s:4:\"2526\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:8;a:6:{s:4:\"data\";s:54:\"\n \n \n \n \n \n \n\n \n \n \n \n \n \";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:4:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:111:\"Большой московский митап #20 — онлайн-трансляция 25 августа 2022\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:72:\"https://ru.wordpress.org/news/2022/08/moscow-meetup-20-online-broadcast/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 24 Aug 2022 07:48:17 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:32:\"https://ru.wordpress.org/?p=2508\";s:7:\"attribs\";a:1:{s:0:\"\";a:1:{s:11:\"isPermaLink\";s:5:\"false\";}}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:752:\"25 августа 2022 в 19:00 стартует онлайн-трансляция Большого московского митапа # 20 и всех, кто не сможет присутствовать лично, приглашаем присоединиться к просмотру на YouTube. Программа митапа Денис Янчевский расскажет про разработку нативных Gutenberg-блоков,  Николай Миронов — про то, как легко и просто создавать Gutenberg-блоки практически без программирования,  Анатолий Куликов — как разработать чат-бота. Это […]\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Olga Gleckler\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:40:\"http://purl.org/rss/1.0/modules/content/\";a:1:{s:7:\"encoded\";a:1:{i:0;a:5:{s:4:\"data\";s:6536:\"\n
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25 августа 2022 в 19:00 стартует онлайн-трансляция Большого московского митапа # 20 и всех, кто не сможет присутствовать лично, приглашаем присоединиться к просмотру на YouTube.

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Программа митапа

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Это далеко не все актуальные WordPress темы, и если вы хотите предложить свою тему или выступить на следующем митапе в Москве, смело обращайтесь к Николаю Миронову.

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Почему стоит присоединиться к онлайн-трансляции

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Вы сможете:

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Запасайтесь едой и напитками \"😉\"

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Почему стоит прийти лично

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WordPress митап — это дружественная атмосфера, открытое общение и обмен опытом между разработчиками, дизайнерами, интернет-маркетологами, копирайтерами, тестировщиками, SEO-специалистами, владельцами сайтов, блоггерами и многими другими. Самое интересное начинается с момента появления на горизонте пиццы — не стесняйтесь общаться, задавать вопросы, есть и слушать чужие беседы.

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\"Коллаж
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А еще митап — это отличная возможность внести свой вклад в развитие сообщества и попробовать себя в новом качестве.

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На мероприятие требуется фотограф-волонтер — хорошая возможность получить удовольствие от процесса, потренироваться и поэкспериментировать.

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А также мы ищем модератора онлайн-трансляции — следить за сигналом и задавать вопросы спикерам из YouTube-чата. 

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Если вы готовы помочь — обращайтесь к Николаю Миронову, а для всех остальных участников — регистрация все еще открыта.

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Отложите свои планы на вечер четверга, приходите или присоединяйтесь к трансляции — держите руку на пульсе WordPress новостей и оставайтесь на связи с сообществом в какой бы точке мира вы не находились!

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Ссылка на онлайн-трансляцию: https://www.youtube.com/watch?v=zwOXG6f4ego

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Мы продолжаем серию интервью с участниками русского сообщества WordPress, объединяющем русскоговорящих разработчиков, переводчиков, пользователей и владельцев сайтов по всему миру.

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\"\"
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В преддверии Большого московского митапа #20 мы беседуем с его организатором Николаем Мироновым — разработчиком, спикером, стримером, автором курсов и обучающих видео.

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— Ты постоянно пробуешь что-то новое и совмещаешь разработку на WordPress с другими личными проектами и активным участием в жизни сообщества уже более десяти лет. Как это все сочетается, откуда идеи, энергия? Над чем сейчас работаешь и что в планах?

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Тут две принципиальных составляющих. Первое, я кайфую от процесса, неважно записываю ли ролики, организую ли митап или программирую — все это топливо, которое позволяет мне двигаться дальше. Второе — те вещи, которые приносят деньги, позволяют и содержать семью и поддерживать баланс между работой и творчеством.

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Основное направление деятельности за последние полгода — это развитие видеостудии. Несмотря на то, что youtube-каналу WordPrеss Moscow уже несколько лет, профессиональная запись видео — совершенно новая для меня область. Пока прокачиваю техническую составляющую. Надеюсь это заметно по качеству роликов, которые выходят на канале.

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Из планов до конца года — развивать youtube-канал, социальные сети, искать спонсоров, предлагать новые форматы встреч: картинг, боулинг, пейнтбол, игра в мафию, чередуя их с классическими митапами.

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— Пока глобальное сообщество только планирует возобновление физических митапов, мы же их уже во всю проводим. В чем идея предстоящего митапа и есть ли планы на следующие?

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Да, пандемия сильно подкосила живые встречи, к концу 19-го года мы вышли на стабильные 50+ участников. А первые живые встречи в этом году собирали по 10-15 человек, желающих выступить было мало и приходилось экспериментировать с форматами. Например, были игры в настолки, или в одну из встреч мы сели небольшим кружочком и проговорили о WordPress 2,5 часа. Просто накидывая темы, задавая вопросы, рассказывая кейсах и делясь опытом. Глобальной идеи у предстоящего митапа нет, но есть амбиции. Надеюсь, 20-й митап станет серьезным шагом в развитии WordPress-сообщества в Москве.

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Приглашение на большой московский митап WordPress-разработчиков №20
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— Ты стоял у истоков организации WordPress митапов в Москве и этот митап должен иметь номер #65. Почему нумерация сбилась и что еще изменилось за это время?

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Ну не совсем так, в 13-м году я впервые попал на митап, который устраивал Константин Ковшенин. Это был взрыв мозга: интересные люди, классные темы, возможность задать вопросы или рассказать что-нибудь самому. Костя заряжал своей энергетикой и мотивировал. Я посещал каждый митап, и где-то на 4 встрече выступил с докладом про сайты-портфолио. Доклад получился классным и Костя пригласил выступить на WordCamp Russia 2013, первом WordCamp’е в России. Так прошло 6 лет, выступал с докладами на митапах и был спикером на каждом WordCamp’е в Москве. Так сказать, активный участник сообщества, но в организации почти не участвовал. Летом 2017 года прошел последний митап и наступило затишье.

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Эстафету продолжил Денис Янчевский, он организовал официальную группу WordPress Krasnogorsk, а через несколько встреч, митапы перебрались в Москву и на meetup.com появился WordPress Moscow. Так как WordPress Moscow получилось производной от WordPress Krasnogorsk, а не предыдущих 45 митапов, то и нумерацию мы начали с 1. Где-то на третьей встрече я предложил свою помощь и стал участвовать в организации митапов. На тот момент у меня не было глобальных целей, мне нравилось тусовка и хотелось внести свой вклад в подготовку мероприятий. До начала пандемии мы делили организаторские обязанности 50/50. Во время пандемии было вынужденное затишье с редкими онлайн-встречами, ну и в «новом сезоне» я уже организую митапы самостоятельно.

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— Что дает участие в митапах для слушателей, спикеров и волонтеров? Как получить максимум пользы от посещения?

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Каждый может найти в митапах полезное для себя. Для новичков это возможность задать вопросы, получить помощь, на живых примерах увидеть направления и пути развития. Для опытных разработчиков — найти единомышленников, партнеров, подрядчиков или новые заказы. Для спикеров — возможность «материализовать» свои знания и умения, проверить их актуальность, получить статус эксперта, заработать «социальные очки», плюс митап — хорошая площадка для тренировки ораторских навыков, здесь лояльная аудитория и нет завышенных требований как на больших конференциях.

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Организация большого мероприятия затратный процесс, требующий много сил, внимания, времени. Это ответственность. Но когда все получается, когда участники уходят заряженные, когда каждый получил пользу — приходит умиротворение, чувство наполненности, понимание, что ты на своем месте и делаешь свое дело. Для волонтеров это возможность разделить эти чувства, быть причастными к большому событию.

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Чтобы получит пользу от митапа для начала нужно решить а для чего ты туда идешь. Хочешь найти подрядчиков или новый проект — распечатай визитки, чтобы проще налаживать коммуникацию. Заинтересовала конкретная тема доклада — узнай побольше о спикере, подготовь вопросы, конспектируй во время выступления. Есть затык в проекте, нужна помощь или совет, перерывы между докладами — лучшее время. Обычно участники делятся на небольшие группы и что-то обсуждают, ищи схожую тему, задавай вопросы, будь коммуникабелен. В идеале, приди с ноутбуком, сделай так, чтобы суть проблемы можно было быстро увидеть, получить доступ к коду и настройкам сайта. Так шанс получить помощь оперативно намного выше.

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— Что делать тем, кто хочет выступить и какие темы актуальны для митапов?

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Двери для спикеров всегда открыты. Для начала разговора напишите мне в телеграм. У меня ровно один критерий к докладам — тема должна быть интересна аудитории сообщества.

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Если человек выступает в первый раз, то предварительно проводим тестовый онлайн-прогон доклада. Это помогает исправить мелкие ошибки, правильно расставить акценты, потренировать подачу материала.

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Очень часто люди недооценивают свои знания и опыт. Тысячу раз я слышал «ну что я буду рассказывать, это и так все знают». Зачастую достаточно 2-3 интересных кейса или нестандартная предметная область, чтобы подготовить хороший доклад.

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Иногда люди активно сопротивляются и не хотят выступать на публике. Так для 19-го митапа мне пришлось включить всю свою харизму, и силу убеждения, чтобы у митапа появились докладчики.

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— Интересна ли спонсорам поддержка митапов и что сообщество WordPress может им предложить?

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У нас вполне понятная и состоявшаяся аудитория, это молодые люди 25-35 лет, с опытом разработки от 3-х лет и более. Наиболее интересными мы можем оказаться хостинг-компаниям, онлайн-школам, компаниям, которым нужны опытные wordpress-разработчики. Помимо живых мероприятий, где количество участников ограничено, у меня в планах активная прокачка youtube-канала и социальных сетей.

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— Можем ли мы рассчитывать на проведение WordCamp в ближайшем будущем? И чем принципиально отличается конференция он митапа?

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У меня уже была попытка стать организатором WordCamp’а в 2020-м году, но выбранная дата 30-го мая оказалась неудачной — мы попали на самый пик ковидных ограничений в Москве.

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Конференция это намного больший масштаб, больший уровень ответственности и совсем другие временные затраты. Да, планы на WordCamp 2020 были грандиозными, но сейчас юношеский задор пропал и в ближайшие полгода–год ничего подобного не планирую.

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— Что делать тем, кто не может посещать митапы, как оставаться в курсе новостей и поддерживать связь с сообществом?

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В этот раз попробуем организовать онлайн-трансляцию, посмотрим на сколько это получится технически. А чтобы не пропустить ссылку на трансляцию — советую вступить в нашу группу VK и ламповый телеграм-чат. Ну и подписаться на youtube-канал, конечно же.

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Вопросы и работа с изображениями: Глеклер Ольга

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[00:00:00] Nathan Wrigley: Welcome to the Jukebox podcast from WP Tavern. My name Is Nathan Wrigley.

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Jukebox is podcast which Is dedicated to all things WordPress. The people, the events, the plugins, the blocks, the themes, and in this case, one person’s story about the struggles of transitioning from a freelancer into an agency manager.

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If you’d like to subscribe to the podcast, you can do that by searching for WP Tavern in your podcast player of choice, or by going to wptavern.com forward slash feed forward slash podcast. And you can copy that URL in to most podcast players.

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If you have a topic that you’d like us to feature on the podcast, I’m keen to hear from you and hopefully get you, or your idea featured on the show. Head to wptavern.com forward slash contact forward slash jukebox, and use the form there.

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So on the podcast today, we have Alexander Gilmanov. Alexander comes to us today from Belgrade, Serbia. He’s a full stack developer with a rich heritage of freelance and agency work. His company officially launched in 2014 and they’ve continued to work with clients as well as creating a range of WordPress plugins, and their own SaaS apps.

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Slightly unusually for this podcast, I decided to break the content up into two parts. You’ll hear the first part today, and part two will be coming out in the next episode.

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If you’re a developer and are in the weeds of writing code, perhaps you’ve thought about a change of direction. This could be changing the place where you work, but it could also mean starting an agency and moving towards a more managerial role. This is what Alexander did, and this podcast charts, his journey. The highs and the lows, the epiphanes and the moments of regret.

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We explore Alexander’s transition from hands-on coding to strategic management. He shares insights into his initial roles, where he juggled multiple tasks and managed client expectations as a freelancer. This foundation, not only honed his technical skills, but also prepared him for the complexities of leading a business.

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We talk about how Alexander’s management style has evolved over the years. Starting out,

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he faced the typical challenges of delegation and supervising a growing team. Trying to understand individual personalities and communication styles to create a functional working environment. His approach emphasizes the need for breaking down large tasks into smaller, more achievable goals. A method that has proven instrumental in managing both projects and people effectively.

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We also discussed the critical role of autonomy in the workplace, particularly how Alexander has learned to trust and empower his employees based upon their experience levels, leading to greater productivity and satisfaction for everyone.

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He reflects on the key lessons learned from the earlier phase of his career, where he underestimated the importance of project managers. And how this realization led him to restructure his business operations to optimize efficiency and output.

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It’s a fascinating conversation, and if you’ve wanted to start an agency, but have concerns about what that might bring, this episode is for you.

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A quick note before we begin the recording quality on Alexander’s side, wasn’t superb, but I’ve done my best to make the audio as easy to listen to as possible.

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If you’re interested in finding out more, you can find all of the links in the show notes by heading to wptavern.com forward slash podcast, where you’ll find all the other episodes as well.

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And so without further delay, I bring you. Alexander Gilmanov.

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[00:04:07] Nathan Wrigley: I am joined on the podcast today by Alexander Gilmanov. Hi, Alexander.

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[00:04:18] Alexander Gilmanov: Hi. Thank you for having me.

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[00:04:20] Nathan Wrigley: You are really welcome. You were brought to my attention, actually, what I’m about to say is not entirely true, and I’ll tell you why in a moment. But you were brought to my attention recently by Tammie Lister, who was recently on this podcast, and she mentioned that on a different podcast, she had been chatting to you about a subject which is going to be the main course of the podcast today. It’s all about moving away from being a developer, into being a manager.

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But the reason that I have known about you, if not spoken to you before, is because of the products that you’ve got in the WordPress space. And so let’s talk a little bit about that. First of all, Alexander, would you mind just introducing yourself? Maybe talk about the plugins that you’ve got in the WordPress space, just so that we know a little bit about you.

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[00:05:04] Alexander Gilmanov: Of course. Yeah, so as you already mentioned, I am the founder and CEO at the software products company. My own background used to be full stack development, a little bit of desktop development, and web development, and WordPress development. And I had a transition from being a developer to becoming a manager, and the founder, and the CEO of the company. Currently we are at 43 people, and still growing.

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So yeah, it was quite a journey. But before talking with Tammie and Jonathan, I didn’t realise actually that it might be of interest, and it might be useful to some developers out there, that are maybe also considering switching to managerial roles, or becoming founders.

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Then a couple of words on the products. Our first product that helped us to start the company was wpDataTables. It was initially a data management, but more a table plugin, a plugin that helped you create interactive tables on the website. Later we added charts, data management, database management, and now it does more and more in the area of data management, data visualisation, data manipulation, and so on.

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The other plugin that probably more people know is called Amelia. It’s a booking plugin, mostly appointments, bookings for businesses like salons, healthcare industry, home services, photographers. We have so many different use cases. So practically, any business that provides certain services within certain timeframes, and can use scheduling tools, accept online bookings, online payments, and there are lots of things around it.

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And our third product is called Trafft. It is actually something like a SaaS version of Amelia. It’s not a WordPress plugin, it’s a standalone platform, but we do have a native integration with WordPress. And the reason for that, why we decided to make it as a separate product, was because we saw that once businesses get to grow, they no longer want to manage the website, and the bookings from the same dashboard, from the same place.

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And also, many of them don’t want the burden of monitoring, backing things up, et cetera. Everything that an average WordPress hosting, many hostings don’t do that. And we do that for them on our platform. So yeah, that’s in short what we do.

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[00:07:39] Nathan Wrigley: That’s great. Thank you. A really interesting collection of products there. We are going to be telling the story really though of a part of your life. We’re not going to get into the personal things, but we’re going to talk about a real change in your life. Your move away from being a developer to being a manager of, currently, a company of 43 people. Which is no small task, I’m sure.

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You were saying to me, before we hit record, that you weren’t really sure that this story would be of interest to people. And obviously I’m in disagreement with that, because I’ve got you on the podcast to have that conversation. But there’s going to be a very large amount, I would’ve thought, of developers who listen to this podcast, people who are writing the code, working in an agency.

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And maybe there’s a proportion of them who are thinking about, well, what could I do with my life differently? Do I always have to be a developer? Is that something that I can move away from? And maybe management, owning a company, running a company, and all of that, would be of interest to them. So, okay, let’s rewind the clock. How far are we going back in time, before you had an intuition that development, for you, wasn’t going to be the rest of your life?

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[00:08:48] Alexander Gilmanov: I can’t think of an exact moment in time when it clicked. And also, I really have hopes that I will get the chance to code again one day. I really miss it, to be honest. But I would say, for me, it was a transition from being a developer, to being an entrepreneur and a founder. And being a manager is just one of the roles within being an entrepreneur.

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I think, almost from the beginning of my career, I did have an ambition of creating something of my own. So it was out there more or less all the time, I just didn’t know how to do that. I transitioned through being a developer. I didn’t start my company right away, but I created my first plugin, my first piece of code, and started selling it. And this was maybe the moment when the exact transition happened.

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But some changes in the mindset, I would say, happened before that, because I was freelancing a lot. I was doing a lot of freelance development back in my hometown, for some local companies. Later started working on some platforms like, I’m not going to call the names, but there are many freelance based platforms where you can get either a website, or part of the website to develop, as a freelancer.

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And I think being a freelancer really trains you for being your own manager. And that’s the first thing you learn, to first manage your own time, your own budgets, expectations of the client, all that. It helps you to start managing other people.

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[00:10:20] Nathan Wrigley: I think that managing other people is quite a skill. So being able to manage your own time is one thing, I’m okay at that. But if that were to stretch beyond the confines of my own life, I think that would be really difficult. And my guess would be that you’ve probably, in the growth of your business, you’ve probably had moments where it’s gone really well, and the management of the people has gone really well.

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Equally, I’m sure that there’s moments where you’ve looked at yourself and thought, oh gosh, this is not going so well. Are there any kind of fundamental skills, looking back over the last period of time, you think that you are equipped with? Whether that was through education, or whether that was just through the genetics that you were given. Are there any things that you think, looking back, okay, this thing equipped me to be a boss, and without that thing, have a long, hard think about acquiring that thing?

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[00:11:14] Alexander Gilmanov: Yeah, there were a few things in my career, and my personal life that helped me with that. And I think there are two parts of that. First is, I’d say managing tasks and understanding the whole, and then dividing the whole into subtasks. Seeing the wider picture, and then dividing it into details, is like one skill.

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Very important for a manager, for a product manager, whatever you name it. I mean, it can have different variations. It can be just developer manager, or like engineering manager. But more or less, this is the fundamental skill.

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You need first to understand, what are we working on? What is something we want to achieve, the end value? We want to give our users, our customers, and then divide it into independent tasks. This is not something that to get equipped with, I’d say.

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For me, I think the first very large project was my PhD study, because it’s project that lasts for, for me it lasted almost four years. It had lots of components, very different ones like writing the study itself, writing the software, preparing the scientific part, writing scientific publications, leading some courses in the university, finding opponents in the scientific world.

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All of this takes a lot of time. Most of the things won’t go as planned. You need to take a step back 9 out of 10 times. This trains your brain to approach this very calmly, not rush things. This creates sort of a skillset you need to manage. First manage yourself, then other people.

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This is, I’d say, more or less a hard skill. Something you can manage through project management software, task lists, checklists, this sort of thing. But more importantly, you need to understand how to communicate with people. How to talk with people. How to explain things to people. So all of this falls under soft skills.

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And I think it was one of the key things for me, because I always worked with computers. And then you start working with human beings that don’t have algorithms, don’t have buttons, procedures. You have two developers, but both have different characters, and you need to approach them differently.

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And yeah, this is also not something I’d say you come equipped with, and you need to learn that. For example, initially I tried to solve every issue that arises with an email. And sometimes when I was a little bit scared of something or frustrated, I would write a very angry email, and write it to the whole company and say like, this is your final warning, and things like that.

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And it took me maybe a year or two to realise that it’s actually the wrong way to solve things, and I only create internal pressure and frustration for people, and create more distance between us, and ultimately doesn’t serve the end purpose.

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So yeah, for me, as a developer, it was maybe one of the hardest parts. To have internal meetings with the team, to speak with people one-on-one, in the team meetings have retrospectives, share openly what maybe frustrates me, and allow them to share openly what frustrates them, and not be afraid that I as a boss, as a manager, will punish them somehow. So I’d say those are the categories of skills you need to develop to become a manager.

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[00:14:36] Nathan Wrigley: I think that’s really interesting. You know, you talked about the PhD, obviously this giant four year project, where you can imagine the goal, the goal line, the finish line, four years away, and you’re on day one. You know that this giant thing is stretching out ahead of you, I guess it is a process of just, okay, breaking it down. What can I do this year, this month, this day?

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And that atomising of it all, just sort of trying to distill it into different jobs, that’s really important. I don’t think I’m good at that. I’m sure that my characteristics aren’t very good at taking in the whole, and breaking it down in a calm way. But having that capability, I guess could be learnt. But learning and having that capability over time, really important.

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But also, like you said, the human element is maybe even more important at the end of the day. Because you’re not going to get anything out of your coworkers, your employees, if they don’t feel compelled to work with you, and for you. If there’s just tension or, goodness, even hatred, then the whole thing is going to collapse like a house of cards.

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But forgive me, dear listener, you are listening to this. I have this intuition that developers, now, this is not going to be the case for everybody, but I think that developers can have a certain tendency to, there’s just a way of being a developer, isn’t it? There’s a certain mindset which works effectively with code, and it doesn’t always translate into working with humans.

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And so being able to stop yourself and say, oh hang on, that is not an algorithm standing over there. If I tell it to do this thing, it might go off and do something entirely unexpected, and I need to be able to accommodate that. I need to be able to understand that. So identifying that in yourself is, yeah, it’s pretty impressive.

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And the fact that you’ve been able, over time, to unpick that in yourself and say, well, hang on Alexander, slow down. Don’t write that email because they’re not an algorithm. Think about the human, we’ll see where this goes. Okay, this is really interesting.

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[00:16:33] Alexander Gilmanov: Just one thing came to my head. One thing I remembered while we were talking. One of the switches I had in this process was, at first when I started working with a team, the team of developers, I tried approaching those people as processors, servers, something like that. And like really giving them detailed instructions on what we need to do, and how we need to do this.

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And then when something didn’t quite work out, I think, okay, maybe the instruction isn’t detailed enough, so let’s take every step, and give an instruction for every step. And in the end, it turned out to be harder to prepare all those instructions, instead of just doing things all by myself.

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It’s sometimes easier to write a piece of code myself, than to create an instruction on like how the coach should look, where to put all the classes and methods, and all that. And this is something, it didn’t come overnight. I realised that, first of all, you need to hire the right people for the job. So you can’t just hire a student and give a senior grade task, and expect it to be delivered.

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Then when you have the right person, yes, you do need to give them guidelines, and the end goals, and the problem, and good description of what we need to achieve in the end, but you don’t need to guide them all the way through. And especially for developers, when you are managing developers, you are like taking away all the juice from their job if you’re giving them too precise instructions. Because they want to create, they want to think of their own architecture, how they write their own elegant code. And if they receive an instruction, like if they’re a script or a server, it’s just not interesting for them.

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[00:18:08] Nathan Wrigley: I think that’s really interesting. The idea being that, obviously as a manager, you have to manage. There has to be a certain amount of that. But also there has to be an element of, okay, here’s the task, just go ahead and do it. Not prescriptively writing the exact instruction for every single facet of that job.

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Obviously, enough instruction so that the job can be understood by that person, but not standing over them every minute of every day just worrying about whether it’s going to be achieved. I guess the better employees will figure that out for themselves. They’ll go away, they’ll have autonomy, if they’re confused, they’ll come back, you can have a conversation. It’s not always top down that works most effectively.

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[00:18:48] Alexander Gilmanov: I would say you need to approach different employees differently. So when interns just join us, developer interns, actually they do want this kind of instruction. And it’s better to have someone mentor them, do peer review, give them guidance, and provide instructions for how to develop a task. They would actually enjoy it much more because, if they join a company after, for example, graduating, and they didn’t yet have some practical coding experience, they want this from the company. They want to get some guidance, some mentoring, some senior developer to evaluate their code, and point the mistakes.

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But as they get more senior, actually autonomy is a very important motivation factor. And if you take it from them, you demotivate them. Because seniors want to research modern technology, libraries, services. And if they receive instructions like, use this library, the task gets too dull for them.

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[00:19:48] Nathan Wrigley: Yeah, so having a handle on each employee, and judging where they are in the hierarchy of all of that. So, like you said, somebody that’s new may want to be shepherded and guided much more, because they are really unfamiliar with the company culture, the expectations of the work that they need to output on a monthly basis. But as experience develops, and your relationship with them grows, I guess, you know where the boundaries lie a little bit more, because you’ve built up that relationship.

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You know that if you give them an incredibly difficult task, and don’t give them too many instructions, they can do it. But that other person over there, they might need a bit more shepherding, even though they’re, I don’t know, more senior. Okay, so getting to know your employees is a crucial part.

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Now, I have to say, Alexander has shared with me some show notes which are amazing. It’s very rare that the guest goes into such enormous detail, and so I’m incredibly grateful for that. I know that it’s also so that you can structure your own thoughts about blog posts, and things in the future about this topic.

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But one of the sections which I thought was of most interest was how you charted your personal journey from, well, the different kind of work that you did. So from being a freelance, to working with friends. And I’d just like you to jump through that history for us, because it may be that somebody listening to this is somewhere on that ladder of different things. And the evolution that you’ve gone through over time, beginning with freelancing, maybe it’s hard for you to sum all of that up, but I’m going to hand it over and see if you can do that.

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[00:21:11] Alexander Gilmanov: So yes, I mentioned initially, and as you mentioned right now, I started with freelancing, and it taught me a lot about managing. Because management, especially when you’re not the owner, and when it’s more like an agency work, where you develop something for clients, is about organising tasks, about organising time, maybe managing others. But it’s also about managing the client’s expectations, understanding what they want.

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And this is sometimes the hardest part, especially for freelancers. People keep coming back and saying, they know what they don’t want, but they’re not sure about what they want to achieve in the end. And getting a specific requirement out of this conversation is very hard. But it’s also a very tough school, and it helped me later in the journey.

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And as my freelancing evolved, at one point the projects started growing, and at one point it wasn’t just small website that I could develop in three, four weeks. It was something like a web app that people want developed maybe in a month or two, and this is something I cannot deliver on my own. I had to start thinking about building a team back then.

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And I had a couple of friends, and naturally we started working with them. And because they were my friends, we were relatively similar in the coding styles. We understood each other really well. The management part came very natural. So I would just prepare the requirements, divide it between three of us. And we sat in the same room, and it was very easy to think. And actually the first experience was very inspiring. We were able to deliver things. We scaled the development and it went well.

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[00:22:50] Nathan Wrigley: Can I just interrupt there? Just very briefly. Do you ever look back on that time and think, I wish I’d stayed there? Because that sounds like a really, a nice environment to work in. I mean, obviously, you know, the financial reward of that probably isn’t quite so great. Maybe the complexity of the work that you can take on, maybe isn’t so great. But I imagine there’s a lot of people who are there and thinking, well, actually that’s okay. I’ve got my friends around me, the code is something that we can all share and understand, life’s good.

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[00:23:19] Alexander Gilmanov: Sometimes it is. For me particularly, it wasn’t, because it was still early in the journey, the level of projects wasn’t something which I wanted to have. The good thing is, one of the friends is right here with me today in the office, so he stayed with me on the journey.

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[00:23:36] Nathan Wrigley: It does sound, from what you’ve just said there, that you’ve always maybe been driven by growth, complexity, a difficult challenge.

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[00:23:44] Alexander Gilmanov: Yeah, that’s the entrepreneur gene, I would say. There is something inside entrepreneurs that always pushes us to develop, to grow, to find for what’s next, all the time.

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[00:23:55] Nathan Wrigley: Okay. So, sorry for the interruption. You were working with your friends and I’ll let you continue.

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[00:23:59] Alexander Gilmanov: When we could work on the same project, it was great. But at certain points they had projects of their own, because they were also freelancing. And I started my first experiments with hiring other freelancers that I didn’t know. Finding them through job ads, tried finding them through also freelance platforms like subcontractors. Tried finding them through recommendations. And that’s where my first real life entrepreneurial and managerial challenges came in.

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Most of the managers go through all these steps. They find a guy that, he’s the right guy for the job. We start working, everything is fine for the first few days, and then he disappears, or he delivers something that is far from what was agreed, or he’s constantly late, or they try to cut corners. Developers can identify pretty easy when logic is mixed with templates, or things like that. Which is much faster to code, but then it doesn’t scale, and creates constant problems for ongoing development.

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Yeah, all those things started happening to me, and the first failures came when some of them disappeared completely, like two days before the deadline, without sharing the code with me. Things like that happened, and oftentimes I would say it’s just easier to stay freelancing on my own. If you want something done right, do it yourself. Yeah, this is kind of the belief that is common between many people, but I don’t find it to be true today.

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[00:25:28] Nathan Wrigley: I’m going to interrupt there just summarise, if that’s alright? So the journey begins with you freelancing. The freelancing then gets mixed up with friends and colleagues, and people that you know. Then the complexity of that, because you’ve got projects and you need more people, you have to begin finding people. And so at this point, problems start to occur because the people don’t do what you expect them to do. So maybe there’s a story in there about how you communicate with what are essentially complete strangers, you know, what’s the level of that?

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But also, you know, they’ve just got their own agendas, and they miss work, they cut corners, and what have you. And so all of a sudden, you want to grow this business, but you’re now, everything’s collapsing around you a little bit, because of unexpected problems that the first time around you wouldn’t anticipate. You’re not going to go into it thinking people are going to let me down, presumably. You’re going to go into it thinking, well, I’m going to hire somebody, they’ve got a good reputation, they’re going to deliver me quality code, and then life gets in the way, and all of these problems occur. Okay, right. Keep going, this is great.

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[00:26:32] Alexander Gilmanov: Thank you for summarising. I didn’t plan it so much in advance, so I might be jumping from one thought to another. So yeah, this is the time in my journey where I realised that I am actually lacking some experience in large scale projects, in larger teams. I don’t know how the really big projects are developed.

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And back then when we worked with friends, when I worked as a freelancer, most of those projects didn’t survive after 12 months initial period. Those were very early startups, and most of the time I felt like we are developing stuff for the trash can practically, because we are working hard on it, and then the project isn’t funded anymore, and just basically dies.

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And that’s why I decided to take a break in this entrepreneurial journey, and moved to a larger city, joined a large German company, a MarTech company, and stayed with them for three and a half years. It really helped me structure the thinking, and understand how project management, and the development process, and the continuous integration, many other things in large scale projects.

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How do all these things work? And this is probably the first time in my career when I encountered, real project managers. Before that it was more or less informal, unofficial, people that started their own startup were managing the project.

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And in this company we had teams of five developers. Every team had a project manager. We were using a specific development process with sprints, with tasks assigned, with a way to test the tasks, staging environment, development environment, all of these. Many of those things we previously, we did intuitively. In this larger company, I had the opportunity to learn it from the inside, and it really helped me.

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[00:28:21] Nathan Wrigley: So, I don’t know how to phrase this question. I’ll try my best. Did you begin working for this larger agency intentionally to learn? Or is it that you now look back and realise that you learned? Because I’m imagining, again, people listening to this, maybe they’re in the moment that you were, where there were lots of freelancers, and it was all a bit of a muddle. And they’re looking to fix that problem.

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Your way around that was to go and work for three years. I mean, three years is a good long time, isn’t it? Where you would be surrounded by people who already had the structure. You would learn it by osmosis, it would be part of your daily work to figure all this stuff out, with the help of others.

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So, did you deliberately go knowing that you were going to do it for a short amount of time to learn the processes? Or is it just that after three years you thought, oh, look what I’ve learned?

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[00:29:11] Alexander Gilmanov: It was, I’d say a mix of both, but more so it was intentional. At one point I looked back and I like, okay, we’ve delivered 50 websites maybe, and two or three small platforms that never survived. Do I really have the experience and seniority, and the level of knowledge and understanding that I wanted to. And when I honestly admitted that I don’t, I realised that, okay, maybe I shouldn’t be rushing into entrepreneurship. Take a step back, join a company that had it figured out.

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And initially when I joined the company, I thought it was going to be only about maybe 4, 12, 18 months. But the company was so good, and people were so good. At one point after the first year, I didn’t even think about getting back to the entrepreneurial journey, because when you have everything figured out around you, even when you do have these entrepreneurial genetics, it’s nice to have the pay date on the first of every month, and you have predictability, and you have other people worrying about things. So that’s one of the reasons why I stayed for three years there and not for one year.

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[00:30:16] Nathan Wrigley: Can I ask, okay, after three years, why then change? Was it just the entrepreneur in you, who just couldn’t quite reconcile the deep desire that you had to do your own thing with your reality? You know, you’re turning up to work and getting a paycheck, and all of that. I’m guessing that’s more likely. You just evolved out of it and thought, I want that in my life again, I want to be in charge of things, figuring things out again.

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[00:30:40] Alexander Gilmanov: I think that in the essence, yes, it was that. Because at one point I started freelancing again in my own spare time. Practically, I moved to a larger city and I didn’t have friends, I didn’t have a girlfriend, I had all the time in the world. After a full-time job, I also had a few more hours where I could do something.

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So at one point I started freelancing again, but I could do it on a different level. And this is when I started the pet project, which ended up being first PHP data tables, a PHP script for rendering tables. And then I wrapped it as WordPress plugin, and published the WordPress plugin.

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It was still a pet project, but then when I started seeing people buying it, liking it, enjoying it, using it in different parts of the world, people started sending me requests for more features. I started receiving support requests.

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For me, it was so inspiring, and I realised that maybe $100 earned through selling my own piece of software, are more dear to me than $1000 earned through working at a full-time job.

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[00:31:45] Nathan Wrigley: Oh that’s such an interesting sentence. That’s really interesting. Okay, alright. Sorry to interrupt. I just thought that was worth calling out.

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[00:31:53] Alexander Gilmanov: At one point, I just couldn’t help but invested more and more time into my own thing, my own baby. When you see it’s growing, it’s a feeling you don’t get from anything else really. At one moment it started selling really well. It wasn’t still enough to become a substitute for a full-time job. People were using the plugin, and they wanted also to add features X, Y, Z, and they were ready to pay for it. And I started charging higher and higher hourly rates. I figured out, people are still happy to pay those higher hourly rates. And I just decided to take the risk, to quit my full-time job, and to start a company.

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I was still relatively young, I was like 27, 28 back then. I decided that, what do I get to lose? Maybe I will lose one or two years. I can always get back to full-time job, some other company. And there is nothing like this experience. Yeah, it was a very interesting moment in my journey. And this is actually the next step.

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[00:32:50] Nathan Wrigley: I was just going to say though, you’re in a really different place, aren’t you? Because if you go back to your hiring freelancer moment, there were all the trip wires that you went through, and the things that you did, in air quotes, incorrectly. You are now armed with three years of knowledge of working at an agency. There’s a whole bunch of things that you will now not get wrong, because you’ve seen how to grow a business, what kind of processes need to be in place. And so, okay, let’s go, starting my own company.

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[00:33:17] Alexander Gilmanov: Yeah, that was the next step. And this is when I needed, had to become project manager, the office manager, finding an office, changing bulbs, finding furniture, hiring manager, developer, all that. I had to divide my day in small shifts. For two hours I’m an office manager, for two hours I’m a product manager.

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It was an interesting time, and I think I did it at the right moment, I was still full of energy. I mean, I’m still full of energy, but I don’t know if I would have the guts now to enter the same journey once again. I have family now, I need my own time. Back then I did have the luxury of waking up at whatever time I wake up, and then just work for 12, 14 hours, and then just go back to sleep. This was the whole life for the first year or two of my company in the beginning.

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[00:34:04] Nathan Wrigley: You just described it as an interesting time. You know, changing light bulbs, picking out furniture. Interesting is an interesting word. It’s kind of implies that there’s a little bit of frustration there maybe. Jobs that you probably don’t need or don’t wish to do, but need to be done. Basically, it’s got to be you, I guess. You know, the light bulb’s gone, okay, who’s going to change it? Let’s look around, oh me. The carpet, somebody spilled the coffee on the carpet, who is going to, oh me. That’s a big change in life, suddenly. I guess, yeah, interesting sort sums it up. Frustrating, but useful and necessary.

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[00:34:38] Alexander Gilmanov: Yes, exactly as you described it. And this is something that happens with bootstrap founders. It’s not like you become a boss, and everybody starts running around you. For the first year or two, it’s the other way around. You have to round around everybody and everything, and make sure things don’t fall apart. Because when you start something new, it has a tendency to die initially, in the first year or two.

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I mean, things just fall apart. Servers are falling, light bulbs are going out, the first developer you hire decides to change the job in two months, and you need to rehire, and to onboard, and to go through everything once again. So I think only after it was maybe 10 or 15 people working in the company, I could relax a little bit. Okay, there are people now who take care of different segments of the job.

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But initially, especially as we were combining developing our own product, and working as an agency on clients, on software. It was an interesting time. It was frustrating. It was tough. It was a lot of stress, because you practically depend on every client. If one client decides to stop working with you, you immediately don’t have the funds to keep paying the salaries that you are already committed to.

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So there is a lot of stress involved in the first years, but also a lot of inspiration. A lot of great emotions, because you see how things grow, and they grow really fast in the first year or two. Because growing from two people to ten people is X5 growth. These initial steps, it’s wow, amazing.

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Right now we would add seven or eight people. I wouldn’t even notice much of a difference, but back then it’s changing things completely. And yeah, so you are growing your baby, and getting to do things you’ve never done before.

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Getting back to the project management side of things, initially I didn’t even think about hiring project managers, mostly because of the funding restrictions. And also mostly because, initially when we started doing agency work, we were outsourcing developers. We were outsourcing developers on hourly basis, or per seat basis. And I would say there was no chance, back then in 2013, 14 to sell project manager seats to a client.

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And I actually, for few years after that, it took maybe five or six years for the market, this kind of market outsourcing market, for clients to figure out the project managers are actually crucial to project success. But back then I had to do it all on my own. And when we had eight or ten developers, I realised that it’s physically impossible to do it like this anymore.

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I had to be project manager on every project, including our own product, plus three or four client ongoing projects. I had to know exactly what happens, what piece of code was released, what we are planning to do. And I just realised, I am losing quality on all fronts.

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[00:37:33] Nathan Wrigley: Of all of the bits and the pieces that I read, that bit stuck out to me as a real moment for you. The realisation that, I need to hire people to shepherd the people. I can’t do everything myself, and I have to allow people to be in charge of bits of my business, and to manage those projects.

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And maybe that is a difficult thing to let go of, because in so many ways, project management from a developer point of view probably looks like, well, that’s a strange role. What are they actually doing? They’re just going to meetings all day, and they have more meetings after the meetings. And yet it’s really essential, or at least that’s the conclusion I think you drew.

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[00:38:14] Alexander Gilmanov: Yes, exactly. And I remember my own thoughts, my own perception of project managers, while I was still a full stack developer in a large company. And we would talk, as developers, we would talk between each other like, why do these guys get to evaluate our job? They know nothing about coding, they know nothing about elegance of the code, coding standards, they don’t contribute to the software, yet they are our bosses, and they rate our work, they try to push us to do more. This is really unfair, that was my own perception.

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And to a certain extent, unfortunately, I must say, some less experienced managers can do that. They can push people too much, they can come across as bosses, which I think is unnecessary in the software world. You don’t need really a boss, like a manager to be a boss and to be above you.

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When I started doing all of that myself, I quickly realised that like, there is no way around syncing all the stakeholders, but having meetings. And at some point you get to 10 meetings per day, or something like that, if you have many projects. This is something that’s unavoidable, and actually it’s the most efficient way to sync, and to coordinate things.

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[00:39:26] Nathan Wrigley: Would it be fair to say, now, that you are, you know, you’ve really removed yourself from the coding side of things, and you are basically project manager for the entire business. So maybe you are a project manager of project managers, which sounds strange to say. But you are managing, and you’ve totally moved away, and you’ve realised that this is now the bit of the business which you are best placed into.

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[00:39:49] Alexander Gilmanov: Yes. I think the key for scaling is focus. Whenever the revenue allows, whenever project scale allows, I like to identify things that were shared, things that one person combined, maybe two projects or two different roles, and to hire people that would do just one thing with 100% focus.

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I am now maybe even on the third level of abstraction, third layer as developer. Developers call this like abstraction layer. So I’m managers, above managers, above managers. And we do have different role names in the company, like product owners, product managers, team leads. We also try to, when possible, maybe separate people management from processes management, because different mindsets are needed for those.

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It’s great when one person can combine both. Many people are great at that. Sometimes it’s better to give the processes management to person who really likes the admin stuff, and people management to someone who is an extrovert, and is just great with people naturally, without some tension. Because for me still, I’m very introverted. Dealing with people still comes with a certain tension for me.

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[00:41:03] Nathan Wrigley: I’d like to say a big, thanks to Alexander for talking with me on the jukebox podcast today. Don’t forget that the conversation will continue next week, where we explore some of the practical steps of growing a business.

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On the podcast today we have Alexander Gilmanov.

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Alex comes to us today from Belgrade, Serbia. He’s a full-stack developer with a rich heritage of freelance and agency work. His company officially launched in 2014, and they’ve continued work with clients, as well as creating a range of WordPress plugins, and their own SaaS apps, mainly in the online booking space.

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Slightly unusually for this podcast I decided to break the content up into two parts. You’ll hear the first part today and part two will be coming out in the next episode.

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If you’re a developer and are in the weeds of writing code, perhaps you’ve thought about a change of direction. This could be changing the place where you work, but it could also mean starting an agency and moving towards a more managerial role. This is what Alexander did, and this next podcast charts his journey. The highs and the lows, the epiphanies and the moments of regret.

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We explore Alexander’s transition from hands-on coding to strategic management. He shares insights into his initial roles, where he juggled multiple tasks and managed client expectations as a freelancer. This foundation not only honed his technical skills but also prepared him for the complexities of leading a business.

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We talk about how Alexander’s management style has evolved over the years. Starting out, he faced the typical challenges of delegation and supervising a growing team, trying to understand individual personalities and communication styles to create a functional working environment. His approach emphasises the need for breaking down large tasks into smaller, more achievable goals, a method that has proven instrumental in managing both projects and people effectively.

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We also discuss the critical role of autonomy in the workplace, particularly how Alexander has learned to trust and empower his employees based on their experience levels, leading to greater productivity and satisfaction for everyone. He reflects on the key lessons learned from the earlier phase of his career, where he underestimated the importance of project managers, and how this realisation led him to restructure his business operations to optimise efficiency and output.

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It’s a fascinating conversation, and if you’ve wanted to start an agency but have concerns about what that might bring, this episode is for you.

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Useful links

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wpDataTables

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Amelia booking plugin

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Trafft

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Today is my first day post-sabbatical, getting back in the swing of things with Automattic. W.org, all the things. What a unique experience! I found the lead up to the sabbatical and planning process to be infinitely valuable, the sabbatical itself to be interesting experientially, and I’m curious to see what the post-sabbatical effects are. I have that nervous excitement like it’s the first day of school, which I haven’t felt in years. What should I wear? Who will sit with me at lunch?

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I could now give a much better talk about the value of sabbaticals, having finally done one myself vs observing the hundreds that have taken place at Automattic. Like having a kid, it’s something you can understand intellectually but the direct experience is profound in ways that are hard to articulate.

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There’s so much to catch up on and it’s kind of delightful to check in on progress of things after a few months rather than day-to-day like I normally do. If I had one bit of advice it would be to not get a big surgery (I had a sinus one) or plan for other major health things during a sabbatical, that should be on a different track if you can help it.

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At the beginning I allowed myself two goals around sailing and chess. Sailing I decided to postpone to take advantage of a peak opportunity in July, but chess has been a fun incorporation into my daily habits and also incredibly humbling playing with folks who have been at it longer. The thing I didn’t plan for that became actually really important to me was getting back to the saxophone, not even trying to perform but the ritual and zen of long tones and practice is incredibly grounding in a way I didn’t know I was missing.

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A few bullet point highlights:

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Also, there was actually a lot of Automattic stuff happening most notably the acquisition of Beeper! I wasn’t able to unplug as much as I hoped, but I did definitely reverse my normal priorities. One thing I really missed was that I had very high hopes to see a lot of people, but a lot of stuff came up so outside of the events it was probably smaller social circle than I normally have.

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It does make me think about apophatic theology or how Nassim Taleb talks about via negativa. Whatever you’ve been doing, it’s nice to try the opposite for a while, just to see what happens.

\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 15 May 2024 13:35:01 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:4:\"Matt\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:2;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:60:\"Akismet: What is CAPTCHA? How Do CAPTCHAs Work to Stop Spam?\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:28:\"http://akismet.com/?p=283920\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:41:\"https://akismet.com/blog/what-is-captcha/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:28549:\"

Solving CAPTCHAs can seem like playing an endless game of “I Spy”. Everyone who’s tried to fill out a form on a website knows the feeling of being deemed a robot by these digital bouncers.  

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Since the early 2000s, CAPTCHAs have been asking us to prove our humanity by identifying squiggly letters, solving random puzzles, and identifying all manner of real-world items, from bicycles to traffic lights. 

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They’re a big deal on the web. BuiltWith found a CAPTCHA on at least one third of the top one million active websites. 90% of those were using Google’s ReCAPTCHA service. 

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In this article, we’ll look at what CAPTCHAs are and some of the different versions available. We’ll review a brief history of CAPTCHAs, explore how they work, and consider whether CAPTCHAs really help sites control spam and bots. Then, we’ll see how CAPTCHAs compare to services like Akismet, which keeps spam and bots at bay without requiring users to decipher twisted texts or grainy images. 

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What are CAPTCHAs? How do they work? 

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CAPTCHAs are used to distinguish between humans and bots. It stands for “Completely Automated Public Turing test to tell Computers and Humans Apart”. What’s a Turing test?  

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The idea of using Turing tests to deal with spam was developed in the late 1990s and was first used commercially by idrive.com and then-fledgling company PayPal. The term was officially named by Luis von Ahn and his colleagues at Carnegie Mellon University in 2003, though other researchers mentioned it in published papers as early as 2001. 

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CAPTCHAs are based on the idea that some simple human tasks are quite difficult for computers to do, like recognizing distorted text, images, and even audio. Most CAPTCHAs are two-step tests:  

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  1. The website generates some random string of characters or images and embeds them in a webpage. The text and images are usually distorted to make them harder for optical character recognition (OCR) software to read. Images are usually categorized by theme, like animal, vehicle, or streetlights. 
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  2. The website asks the user to either enter the right characters or select the images according to some criteria, like “click on all images that contain a streetlight”. If the user’s response matches the answer, they pass the test. 
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CAPTCHAs are used to stop bots from spamming, abusing, and attacking websites. Bots are programs that can do things repetitively online, like create a new account, enter a new comment, scrape (steal) content, or even gather email addresses. 

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Businesses sometimes rely on CAPTCHAs to filter out bots from real human interactions to save administrative time and performance bandwidth. Keeping spam at bay can also contribute to a safer environment for both visitors and the assets of the business itself.

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The history of CAPTCHA  

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There’s a bit of controversy around the history of CAPTCHAs in the U.S. This is mostly because researchers worked on the idea of using Turing tests to handle spam and abusive bots years before any patents were filed, research papers were published, or CAPTCHA became a common term. 

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The creation of CAPTCHA

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They were first introduced on websites in the early 2000s, but the concept of CAPTCHAs was born in 1996, when Digital Equipment Corporation (DEC) created a site for opinion polls and instead was inundated with votes from spambots.

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To combat this unexpected issue, they tried to use a distorted U.S. flag image, and asked users to click on it to verify they were humans. It worked at first, but over time, the bots outsmarted the test.

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DEC worked with other scientists to turn that idea into a reverse Turing test — something that was easy for humans, but hard for machines. They eventually defeated the bots (for a little while, anyway) by using distorted characters on the screen.  

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In 1997, search engine AltaVista had a similar issue with bots overwhelming their submission form to add new websites to their library. The AltaVista team developed an automated system to generate an image of printed text randomly, which was distorted enough that optical character recognition software couldn’t read it. 

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They were victorious against the bots, with their system reducing the number of spam URLs by 95% within that first year. It also became the first time an automated system was known to be able to tell humans from machines.  

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What’s a Turing test?

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The Turing test is named after Alan Turing, a British mathematician who wanted to be able to evaluate a machine’s ability to act intelligently (a precursor to our understanding of artificial intelligence). 

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Turing’s test is a way to see if a computer can act like a human. The tester (human) asks questions to both a computer and another human without knowing who is giving each response. 

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If the tester can’t tell the difference between the two, the machine is deemed to have passed the test.  

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CAPTCHAs rely on the idea of a reverse Turing test, where the machine tries to tell the difference between another machine (or bot) and a human.  

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How CAPTCHA got its name

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Engineer and researcher Luis von Ahn and his team at Carnegie Mellon University worked on the idea of using a Turing test to defeat the bots by expanding on DEC’s and AltaVista’s work. They distorted random letters and numbers using software, then embedded it in the webpage, asking users if they were human by completing the simple test. They coined the term “CAPTCHA”, which stood for “Completely Automated Public Turing test to tell Computers and Humans Apart”. 

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The evolution of CAPTCHA

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CAPTCHAs continued to evolve, from using just text, to images, to a combination of the two, and then even multiple images and text. Engineers and researchers at universities and companies used different types of CAPTCHA tests with varying levels of effectiveness.  

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The earliest version of CAPTCHA used distorted text, a combination of text and numbers, in tests. At the time, this was a big deal because it was easy for humans to figure out, but automated bots encountered significant difficulty.  

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In 2009, Google bought the CAPTCHA technology and created reCAPTCHA. reCAPTCHA was groundbreaking for a couple of reasons — it used new ways of testing people’s humanity, and it turned those tests into productive contributions to larger projects (essentially crowdsourcing work through millions of tiny tests). 

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The rise of reCAPTCHA

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reCAPTCHA pushed the boundaries of automated testing and offered new options to website owners who wanted a more user-friendly process for visitors to prove their humanity. It also added auditory CAPTCHA options to increase accessibility.  

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More controversially, Google used reCAPTCHA as part of its digitization project.

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They created a two-part CAPTCHA. The first part was like the original, but the second part used letters or whole words from text the machine was translating from old books and newspapers. 

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If a user passed the first part — proving their humanity — it also accepted their second contribution (the translation) as accurate. 

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In this way, Google outsourced the digitization of old books and newspapers with minimal labor costs. 

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As with anything on the internet, spammers and other bad actors eventually found ways to counter CAPTCHAs and other security features. With the use of increasingly smarter artificial intelligence (AI) options, bots were eventually able to figure out most CAPTCHAs with 99.8% accuracy, according to Google. In 2014, they announced the now infamous (and sometimes dreaded), “Are you a human?” checkbox as part of their reCAPTCHA improvements. 

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reCAPTCHA rose to the challenge and over the next several years grew in popularity among websites that used CAPTCHAs. In fact, of sites that use some sort of CAPTCHA, reCAPTCHA is used 90% of the time.

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Types of reCAPTCHA

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Today, websites can choose from two main versions of reCAPTCHA (v1 support was dropped in 2018).

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reCAPTCHA v2 

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This version of reCAPTCHA has two primary options, one that includes the “I’m not a robot” checkbox and another with an invisible reCAPTCHA badge.  

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If the user’s behavior is suspicious — indicating they may be a bot — they’ll need to complete a test (usually an image or puzzle challenge) before being given a chance to click to confirm they are, in fact, human.  

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reCAPTCHA v3 

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This version is the newest and most subtle option for website owners. With it, visitors will rarely even know their humanity is being judged in the background. It uses a JavaScript API (like v2) but is more advanced. It scores users based on different actions they make in the browser or on the page. 

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Based on their score, users are silently approved (or failed with no regress, causing confusion). This version allows developers to customize the integration to meet their needs.  

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Different types of CAPTCHA (beyond reCAPTCHA) 

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Besides reCAPTCHA, there are other types of CAPTCHAs that websites harness to verify human users and prevent automated bots from abusing their services. Here are some of the most common ones: 

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Image-based CAPTCHA

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These CAPTCHAs require users to find and select images that match a given category or query. For example, people may be asked to click on all the pictures that contain cars or animals.  

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These CAPTCHAs can be more user‑friendly and accessible than text‑based ones, but they may also pose challenges for visually impaired users. Moreover, image recognition algorithms can sometimes defeat these CAPTCHAs by using machine learning techniques 

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Logic-based CAPTCHA

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These CAPTCHAs test users’ logical reasoning by asking them to solve simple puzzles or answer questions. For example, visitors may be asked to solve math problems, complete word games, or “find the odd one out”. These CAPTCHAs can be more engaging and fun than other types, but they may also exclude users with cognitive differences or who are not familiar with the language or culture of the website’s primary audience. 

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Audio-based CAPTCHA

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These CAPTCHAs serve an audio clip that has a series of numbers or letters that users need to type in. These CAPTCHAs are designed to accommodate those who have difficulty seeing or interpreting text, but they may also be hard to hear or understand for users in noisy environments or who have hearing impairments. So, these audio CAPTCHA tests can cause more accessibility issues than they solve. 

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How do CAPTCHAs work to stop spam? 

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The whole purpose of CAPTCHAs is to root out automated programs or malicious bots so that they can’t spam or abuse websites and online services. For example, CAPTCHAs can prevent bots from creating fake accounts, sending unwanted messages, posting malicious links, filling out forms, or accessing and stealing restricted content.  

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So, while it can be annoying, requiring users to prove their humanity helps reduce the amount of spam and increase the performance of online platforms and the security of everyone involved.

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CAPTCHAs rely on the assumption that human and machine intelligence have different capabilities and limitations. For instance, humans recognize different patterns than machines. Most humans can easily identify objects, faces, emotions, or voices in noisy or distorted inputs. On the other hand, machines can perform calculations, store information, and process data faster (and usually more accurately) than humans.  

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However, CAPTCHAs are not infallible. Remember, Google’s own research showed that AI could solve CAPTCHAs a vast majority of the time. 

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The inaccessibility of CAPTCHAs 

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CAPTCHAs are designed to prevent automated bots from accessing websites or services that require human verification. Unfortunately, they often prove inaccessible for humans. Who hasn’t selected all the traffic lights in each image only to be told they were wrong?

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They also pose a significant barrier for those with different abilities, who may not be able to solve them due to visual, auditory, cognitive, or motor impairments. 

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CAPTCHAs are often inaccessible, even to real human users. For example: 

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These challenges can result in frustration, fatigue, and exclusion for users with disabilities. This severe impact on accessibility directly works against many organizations’ stated goals of inclusion. And from a purely business standpoint, it reduces the potential customer base for an organization’s product or service. 

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Other limitations of CAPTCHAs 

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An inconvenient user experience 

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CAPTCHAs interrupt user interaction and force visitors to perform tasks that aren’t related to their goals. This can annoy and frustrate people, especially if the CAPTCHAs are hard to solve, take too long, or appear repeatedly. CAPTCHAs can be confusing or unclear for users who are not familiar with the language or the content of the challenges.

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Inadequate spam prevention

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The whole point of using CAPTCHAs is to stop malicious bot activity. But research shows that CAPTCHAs don’t always work. And even when they do, they come with side effects businesses don’t like.  

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CAPTCHAs can be defeated by sophisticated bots that use computer vision, machine learning, or artificial intelligence to crack the challenges. Some newer AI tools, like GPT-v4, have even been used to solve CAPTCHA challenges. 

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reCAPTCHA v2, which relies on behavioral analysis and risk scores, can be fooled by bots that mimic human actions and mouse movements. Additionally, there are online services that offer to solve CAPTCHAs for a fee, either by using automated software or by employing low-paid human workers. These services can be used by spammers, hackers, or malicious actors to bypass CAPTCHAs and access restricted websites or resources. 

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Poor conversion rates and user engagement 

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CAPTCHAs can negatively impact the functionality and profitability of websites, especially when it comes to user registration, online transactions, or user-generated content. CAPTCHAs add a step, creating friction in the user journey. As a result, this can reduce the number of people who sign up, purchase, or comment. 

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Using CAPTCHAs not only reduces spam, but conversion rates, customer loyalty, and revenue, too.  

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A Stanford study found that conversions can drop by up to 40% with a CAPTCHA challenge. 

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So, if CAPTCHAs aren’t the best option, what is? 

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Akismet: a superior alternative to CAPTCHA technology

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CAPTCHAs aren’t always effective at stopping bots — their primary job — and negatively impact engagement and conversions from real humans. So, are there other options?  

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Akismet is a simple-to-implement solution to handle not only spam comments, but spam form submissions, and even spam user registrations.  

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Since its launch in 2005, Akismet has blocked over 500 billion pieces of spam. It uses machine learning technology that has a 99.99% accuracy rate in identifying spam. It’s also constantly learning from the more than one hundred million sites that use its service. 

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How Akismet works 

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Akismet works behind the scenes, without requiring any input or action from the user. It automatically filters out spam and bot comments, trackbacks, pingbacks, contact form submissions, and other unwanted content.

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It does all of this by comparing each submission to its massive database of known spam patterns and behaviors, continuously being refined by a network of over 100 million sites.

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These anti-spam activities happen on the cloud — meaning it doesn’t impact your site’s performance. 

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Akismet is popular for sites using WordPress and works with numerous plugins like Jetpack, Contact Form 7, Gravity Forms, and WooCommerce.  

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However, Akismet has an incredibly‑flexible API that also allows it to be integrated into any application

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Akismet simply works. And even if the algorithm does make a mistake (it’s bound to happen 0.01% of the time) and accidentally flags a comment or contact form message as spam, website administrators can see it in the dashboard and immediately address the problem. So, it learns from any mistakes it makes. 

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Plus, if your business needs a custom solution, Akismet’s enterprise team stands ready to help.

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Comparing Akismet and CAPTCHA

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While Akismet and CAPTCHAs work very differently, it’s worth comparing a few important features:  

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CAPTCHA or Akismet — the choice is clear 

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You definitely need something to protect your site from spam. So, should you opt for CAPTCHAs’ proof of humanity tests or Akismet’s behind‑the‑scenes low‑friction solution?

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CAPTCHAs are no longer the best way to protect your site from spam and bots. They annoy, exclude, and discourage visitors, making them less likely to engage with your content or services. 

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But Akismet stops many different kinds of spam with near perfect accuracy! And it doesn’t make users jump through hoops. The result is better engagement, higher conversion rates, and a healthier business and community. 

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Get started with Akismet. 

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Frequently asked questions 

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Want to know more about CAPTCHAs? We’ve got answers below. 

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What does CAPTCHA stand for? 

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CAPTCHA stands for “Completely Automated Public Turing Test to Tell Humans and Robots Apart.”

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Who invented CAPTCHA? 

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Engineer and researcher Luis von Ahn and his team at Carnegie Mellon University are largely credited with advancing and naming CAPTCHA as we know it today. However, Digital Equipment Corporation (DEC) and AltaVista used more primitive versions in the years leading up to Luis Von Ahn’s work. 

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What are the most common use cases for CAPTCHA?

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CAPTCHAs were most commonly used to stop automated bots from performing damaging functions, like flooding comments sections of websites with irrelevant or dangerous content. 

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What are the main advantages of CAPTCHA?

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There are some clear advantages of CAPTCHA. It can be a somewhat effective way to stop spam comments on your site, comes from a trusted source (it’s a Google service), and is a completely free solution.

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What are the main drawbacks of CAPTCHA?

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CAPTCHAs are now too simple to detect most bots, as computers have learned to accurately solve the challenges they present. They also disrupt the user experience — causing humans to abandon legitimate efforts. Finally, they add weight to sites, potentially impacting performance.

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What is the best alternative to CAPTCHA for spam prevention?

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Akismet is, by far, the best alternative to CAPTCHA. Unlike CAPTCHA, it doesn’t require website visitors to take any action on your site to prove their humanity. This makes for an enhanced user experience, better accessibility, and higher conversion rates. At the same time, it’s incredibly accurate, with a 99.99% accuracy rate.

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How many websites use Akismet for spam prevention?

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Over 100 million websites, across platforms like WordPress, Drupal, phpBB3, and Joomla, use Akismet to stop all kinds of spam without detracting from the user experience.

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Are there any case studies of companies that use Akismet?

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Yes, absolutely! If you’re interested in reading more, find out how ConvertKit uses Akismet to protect the creator economy from spam. You can also read about how Smitten Kitchen protects their popular blog using Akismet.

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Where can I learn more about Akismet?

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You’ll find a full list of Akismet features on their site. Most website owners can choose a plan and get started from the pricing page. Representatives for enterprise organizations can learn more about advanced solutions here. 

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You can’t sing. I can’t sing. But we both should sing, from the depths of our bellies because it’s good for your soul. We don’t sing enough in modern society! Hence, my love of karaoke.

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Live band karaoke is the best, which I’ve done everywhere from the basement of Hill Country BBQ in New York to someplace random in Davao after a WordCamp, but when you don’t have a four piece band there are electronic substitutes.

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The first hack to do karaoke anywhere, which I’m surprised more people don’t know, is just search YouTube for [the song you’re looking for] + karaoke. You get something like this Fly Me To The Moon. Every modern TV has YouTube and you’ll be singing along with the TV in no time. I went down a long rabbit hole of wireless mics, auto-tuners, speakers, etc, and I have emerged back concluding that a USB-C wireless speaker microphone gives a lot of the benefits without as much hassle.

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The next level up, and worth the subscription, is that the Karafun apps are actually pretty good. You can even run it on MacOS with an HDMI cable to the TV and they have a QR code and queuing system. Pretty slick, pretty fun, Sweet Caroline.

\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 15 May 2024 03:28:28 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:4:\"Matt\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:5;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:93:\"WordPress.org blog: WP Briefing: Episode 79: Why Start a WordPress Media Corps (and Why Now?)\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:53:\"https://wordpress.org/news/?post_type=podcast&p=17253\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:92:\"https://wordpress.org/news/2024/05/episode-79-why-start-a-wordpress-media-corps-and-why-now/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:11962:\"

There’s a new initiative in the WordPress community: the WordPress Media Corps. In today’s episode of the WordPress Briefing, you’ll find out how it came to be, first as a nugget of an idea during the pandemic and now as an active experiment. Learn how this shift in focus values the ongoing impact, and often invisible effort, of independent WordPress media—and seeks to help them more easily deliver engaging, high-quality WordPress content to their audiences.

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Credits

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Host: Josepha Haden Chomphosy
Editor: Dustin Hartzler
Logo: Javier Arce
Production: Brett McSherry
Song: Fearless First by Kevin MacLeod

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Show Notes

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Transcript

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[00:00:00] Josepha: Hello, everyone, and welcome to the WordPress Briefing, the podcast where you can catch quick explanations of the ideas behind the WordPress open source project, some insight into the community that supports it, and get a small list of big things coming up in the next two weeks.

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I’m your host, Josepha Haden Chomphosy. Here we go! 

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[00:00:28] (Intro Music) 

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[00:00:39] Josepha: If you’ve been keeping an eye on the WordPress marketing space for the past few months, today’s topic will be no surprise to you. Today, we’re talking about the WordPress Media Corps. It’s a bit of a controversial topic; there’s no point denying that, so today, I want to take a little journey through its history.

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The WordPress Media Corps is an idea that goes back probably four, maybe five years ago. I don’t know what year it is—four years, five, four, or five years ago. It was the height of our COVID isolation. So I was spending a lot of time with our WordPress media folks, people who hosted podcasts, who gathered weekly roundups, and who were writing these nuanced and thoughtful newsletters.

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[00:01:19] Josepha: And during the prep phases for these, I was witnessing all the work that goes into them, researching questions and topics, marketing both before and after any appearance, and consistently engaging with the audiences they had grown over time. Over the course of the year, I wound up in two or three different conversations with these hosts about how this does or doesn’t fit in the WordPress project as a way to contribute.

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Now, invisible contributions are a persistent concern for any open source project and is one of the problems I am often most desperate to solve. As with so many long-standing problems, if the solution were easy, it wouldn’t still be a problem. And that’s the case here as well. I’ve got a quick side note on why this is a hard problem to solve at the end of the episode. It’s relevant to the overall discussion, but not if you’re only here to learn about how we arrived at the Media Corps. So, choose your own adventure! 

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[00:02:16] Josepha: So, during one of those discussions, Allie Nimmons reminded me that we have always relied on third-party supporters to share information about WordPress. It was a smaller group than we have now, much less variety in the format, but they didn’t have contribution acknowledgments either, right? 

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And she was right. They were included in something called the WP Planet. And I remember that I said to her what I wouldn’t give to be able to acknowledge the value that WordPress media folks bring to our ecosystem. These folks who have more flexibility than us can be a little more, more nimble who are canonical power users of WordPress, sharing not only what they are excited about now and in the near future but also the things that they had to learn in order to get the most out of the features and the software.

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[00:03:07] Josepha: Like that’s practically a gold standard of the people that we want to have talking about us.  And, for folks who’ve worked with Allie, you probably can predict what’s next. You know she’s not afraid to call it like she sees it, and she called me on my excessive dreaming. She asked me what actually was stopping me from getting that done. I don’t recall if I had an answer for her at the time. I, I probably didn’t, but ultimately, I think the answer was, most likely, that I was afraid to try.

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So you might be asking yourself, what has changed my mind since then? What has changed since 2020, when I was maybe too scared to get this done? Why does now feel like the right time compared to when I was first thinking through it? Well, for starters, when we look at then, we look at the context of then; it was my second year leading us. It was 2020, the year of COVID. And I was desperately trying to roll out a disaster recovery plan, incomplete though it was.

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[00:04:06] Josepha: I wasn’t sure how much more disruption we as a community could stand, so I didn’t want to take any more risks than I had to. Which brings us to today. One of my big obstacles to tackle this year is our plateauing growth. I said it right there in my big-picture post for 2024. Re-engaging those gold standard users who are talking about us while making it clear that their contributions add to the success of the project seems like a high-impact opportunity to me.

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We’ve kicked off our initial experiment for the Media Corps. As with many high-impact projects, there’s also a high potential for risk, so I’m trying to get a clear indication of success as early as possible. Because of that, the experiment is time-limited and has pretty strict guidelines up front. It’s also being paired with a pause on the current work with the marketing team, just so that we can focus as much attention to get that signal sooner rather than later.

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[00:05:01] Josepha: Not everyone agrees with this plan, which is to be expected. There are so many seasoned marketing professionals in WordPress, myself included, and I mean, our software is a primary tool in so many marketing tool belts. It probably would be odd if we didn’t have any marketers around. So there you have it, a brief explanation of how we got to today’s Media Corps experiment. 

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Quick side note on why it’s a hard problem is that a good first step to acknowledging invisible work is removing the need for human recognition of the work. I’ve worked with teams, guided them since I got here to define contributions as granularly as possible so that we can find ways to attach automated triggers to them so that you don’t have to do a ton of invisible things for someone to notice them and give you props for them. Obviously, the more automation, the more dehumanization, and of course, the work of breaking things into tiny chunks feels like micromanagement; it feels like value assessment.

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[00:06:01] Josepha: It also often felt like kind of a toxic tallying of who was doing what where. None of that is what any of us wanted when I started that work, and it’s certainly not what I want now. But because it is so often misread as a way to, like, separate out good contributions from bad, not all teams have embarked on that journey with me. And for those who have done that with me, not all of them have actually implemented, kind of that definition of the individual types of contributions you can make so that we can do that kind of automated acknowledgment of the work. 

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[00:06:40] (Music interlude) 

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[00:06:47] Josepha: Which brings us now to our small list of big things.

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First on our list is WordPress 6.6. It’s our next major release. There are still a few volunteer roles that are available. I think documentation lead is one. So, if you are the sort of folk who just loves to write the docs, it’s been a while since you have done that for the WordPress project, with the WordPress project. That’s a great opportunity for you to kind of dip your toe in and see what’s going on in the world of WordPress.

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[00:07:15] Josepha: The second thing on our list is a minor release that actually came out last week. It’s a maintenance release, but it’s one of those where it’s really important to get upgraded and make sure that you have the latest security and maintenance releases on all of your sites that are in production.

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The third thing on our list is about Openverse. Openverse is now offering a new way to explore our collection. We’ve got over 800 million images and audio files in there. And so, the collection search makes it easier to view works that are belonging to an individual tag, creator, or source. It just kind of helps you filter it out a little bit more so that there are more decisions than there are options available in there.

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And the fourth thing on my list is that the WordCamp Europe 2024 schedule has been released. We’ll be talking a bit more about this event as we get closer and closer to it. We are racing our way. It’s like a month away as we go. So take a look, plan your activities, and come and check out our community.

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[00:08:16] Josepha: And that, my friends, is your small list of big things. Don’t forget to follow us on your favorite podcast app or subscribe directly on WordPress.org/news. You’ll get a friendly reminder whenever there’s a new episode. If you liked what you heard today, share it with a fellow WordPresser. Or, if you had questions about what you heard, you can share those with me at WPBriefing@WordPress.org. I’m your host, Josepha Haden Chomphosy. Thanks for tuning in today for the WordPress Briefing, and I’ll see you again in a couple of weeks. 

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[00:08:44] (Music outro) 

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When it comes to web security and user authentication, OAuth 2.0 is one of the most crucial protocols for managing access permissions without risking user passwords. 

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So, if you’re looking to implement OAuth 2.0, this guide will go through its main characteristics and essential components, such as different roles, grant types, and endpoints that create a flexible authorization framework. 

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What is Oauth2, and how is it used?

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An evolution of the now-obsolete OAuth 1.0, OAuth 2.0 is an industry-standard protocol for authorization, facilitating secure access to user data across the internet. It enables applications to obtain user data from a service provider, all without requiring the user to share their password with the application. This protocol acts as the middle man, granting access rights rather than exchanging sensitive login credentials. Here’s how:

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  1. An application requests access to resources controlled by the user and hosted by a service provider. 
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  2. Upon user approval, the application receives an access token from the OAuth 2.0 server. 
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  3. This token then allows the application to access the user’s data, but only within the scope that the user has approved.
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OAuth 2.0 greatly improves security and reduces potential vulnerabilities, as applications do not need to store, manage, or directly handle user passwords. It helps protect user privacy by ensuring that applications can only access specific, user-approved information. This selective access is important in minimizing the risk of over-sharing personal data.

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One of the most visible applications of OAuth 2.0 in everyday internet use is the “Log in with…” feature found on many websites. This allows users to access multiple platforms using a single set of credentials, streamlining the login process while maintaining high security and privacy standards. 

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Roles in the OAuth 2 framework

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Understanding the different roles and their interactions within the OAuth 2.0 framework is necessary for developers and IT professionals aiming to implement OAuth in their applications. Let’s take a look:

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Resource owner

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The resource owner is the person or entity that has the authority to grant access to their private resources (like personal information or data) stored on a server. This person decides whether an application can access that data and what level of access it can have.

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For example, if you are using a service like a social media platform and a third-party application requests permission to access your profile information or post updates on your behalf, you, as the resource owner, have the authority to approve or deny such requests. This approval often comes in the form of an authentication process followed by an authorization step, where you explicitly grant permissions to the application.

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Resource server

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The resource server safely stores the resource owner’s data and is responsible for validating the access tokens presented by the client, ensuring that only authorized requests are fulfilled. 

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Upon receiving a request, the resource server checks the accompanying access token to verify its authenticity and relevance for the requested resources. If the token is valid, the resource server proceeds to serve the requested data, following strict security measures. 

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Besides the token validation, the process includes Secure Sockets Layer (SSL)/Transport Layer Security (TLS) encryption, scope restriction, rate limiting and monitoring, and secure token storage. 

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Client

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The client refers to the application seeking access to the resource owner’s account. It initiates the authorization process by generating an authorization request Uniform Resource Identifier (URI), which redirects the resource owner to a consent page. Here, the resource owner can approve or deny the request for access. 

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Upon receiving authorization, the client is issued access tokens by the authorization server. These tokens are critical for accessing protected resources because they prevent unauthorized access and ensure the continued trust of the resource owner. 

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This is why the client must manage them with utmost security, including storing them securely and handling token renewal processes efficiently. 

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Authorization server

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The authorization server checks the resource owner’s login details and gives access tokens to the client. It has two main parts: the authorization endpoint and the token endpoint. The authorization endpoint is where the resource owner says yes to the client’s request for access. The token endpoint is where the client trades a special code for an access token. 

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These parts help make sure that the client and the authorization server can talk safely and clearly and that access tokens are given out only after the resource owner’s details are correctly checked and approved.

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Diving into OAuth 2.0 grant types

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OAuth 2.0 offers several grant types, each designed to cater to specific authorization scenarios. Understanding these grant types, their applications, advantages, and potential drawbacks is vital for implementing secure and effective authorization mechanisms.

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Authorization code

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Web and mobile applications primarily utilize the authorization code grant type to obtain an access token after the resource owner grants access. This process is simple: 

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  1. The application redirects the user to the authorization server, where they can log in and approve the access request. 
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  2. Upon approval, an authorization code is sent back to the application, typically via a callback URL – this is called “redirection.”
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  3. The application then exchanges this code for an access token at the authorization server. 
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This method enhances security by using “verifiers” or “secrets” that prevent the interception of the access token. The redirection mechanism, coupled with the code exchange, forms a secure foundation for granting access while mitigating risks associated with direct token exposure.

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Refresh token

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Refresh tokens are used to maintain long-term application access without requiring the user to authorize repeatedly. Once an access token expires, the application can use a refresh token to obtain a new one, thus ensuring continuous access. 

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This mechanism is particularly beneficial for applications that require prolonged access to a user’s resources. However, it introduces security considerations, such as the potential for refresh token theft, so users have to be extremely careful to protect these tokens and limit unauthorized access.

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Client credentials

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The client credentials grant type is tailored for scenarios where an application needs to access its own resources rather than acting on behalf of a user. In this flow, the client authenticates itself with the authorization server using its own credentials and receives an access token in return. 

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This grant type simplifies the authorization process for accessing the client’s resources, making it suitable for internal applications that require no user interaction.

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These include: 

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However, since it does not involve user authorization, it is not applicable for accessing user-specific data.

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Resource owner password

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The resource owner password grant type assumes a high level of trust between the user and the client, as it involves sharing sensitive login details. It works like this: 

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  1. User provides username and password to the client.
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  2. The client sends these credentials to the authorization server.
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  3. Authorization server verifies credentials.
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  4. If valid, the server issues an access token (and optionally a refresh token) to the client.
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  5. The client uses the access token for authenticated requests on behalf of the user.
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Due to its inherent security risks, such as the potential for credential theft, this grant type should be used sparingly and only in contexts where other, more secure methods are impractical. 

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Implementing additional security measures, like using this grant type exclusively with confidential clients and adding extra layers of authentication, can help mitigate these risks.

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Understanding endpoints in the OAuth2 framework

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In the OAuth2 framework, there are two key endpoints – ‘/authorize’ and ‘/oauth/token’. Using an OAuth library or framework can greatly simplify the management of these endpoints, handling much of the complexity behind the scenes.

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/authorize endpoint

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The ‘/authorize endpoint’ serves as the initial step in the authorization process, where the resource owner authenticates with the service and grants access to the application. This endpoint is crucial for obtaining an authorization code in grant types like the ‘authorization code’ and, historically, the ‘implicit’ grant type. 

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However, it’s important to note that the implicit grant type is no longer recommended by OAuth best practices and may be prohibited on some servers due to security concerns.

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When a user accesses the ‘/authorize endpoint’, they are presented with a consent screen. The URL for this endpoint typically includes several key parameters:

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These parameters help ensure the authorization request is explicit about its intentions and secure against potential threats.

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/oauth/token endpoint

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The ‘/oauth/token endpoint’ is where the application can make a POST request to exchange an authorization code for an access token, renew an access token using a refresh token, or obtain an access token directly through the client credentials grant. This endpoint supports various grant types, including ‘authorization code’, ‘password’, ‘client credentials’, and ‘refresh token’.

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When generating tokens, the authorization server must ensure they are created securely and include any optional refresh tokens. This process is essential for maintaining the security and integrity of the access tokens. To prevent CSRF and other attacks, tokens must be handled securely, necessitating the use of HTTPS for all communications with this endpoint.

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A POST request to the ‘/oauth/token endpoint’ requires specific parameters depending on the grant type being used:

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Understanding the authorization code flow

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The authorization code flow is designed to facilitate secure interactions between the client, the authorization server, and the resource server. 

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This flow is particularly important because it ensures that access tokens are not exposed in environments that are not fully secure, such as a user’s browser, thereby significantly reducing the risk of token interception.

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Step 1: User authorization request

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The process begins when the client directs the user to the authorization server. Here, the user authenticates themselves and consents to the client’s request for access to their resources. 

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This step is initiated through a URL that the client constructs, which includes parameters like the client ID, the requested scope, the redirect URI, and a state parameter for CSRF protection. An example URL might look like this:

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https://authorization-server.com/authorize?response_type=code&client_id=CLIENT_ID&redirect_uri=CALLBACK_URI&scope=REQUESTED_SCOPE&state=CSRF_TOKEN
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Step 2: Redirection and authorization code

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Upon successful authentication and authorization by the user, the authorization server redirects the user back to the client using the redirect URI provided in the initial request. This redirection URI includes an important element: the authorization code. It may also contain the state parameter if it was included in the initial request, ensuring that the request has not been tampered with.

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Step 3: Exchanging the authorization code for an access token

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The client then takes this authorization code and makes a backend request to the authorization server’s ‘/oauth/token’ endpoint to exchange it for an access token. This step is crucial because it occurs server-to-server, far from the potential prying eyes of malicious actors in the user’s browser environment. The request includes the authorization code, the client’s ID and secret (for confidential clients), and the redirect URI to verify the request’s authenticity.

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The authorization code flow offers significant security advantages. By obtaining the authorization code through a user-agent redirect and exchanging it for an access token in a server-to-server call, the access token is kept away from the user’s browser history, reducing the risk of exposure. 

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This method provides a mechanism that caters to confidential and public clients while upholding the security integrity of the OAuth 2.0 framework.

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Pairing Gravatar with your authorization server

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The security of your users doesn’t stop with authentication but also extends to the way you manage their data. Gravatar, widely recognized for its globally unique avatars, is a profile management tool suitable for all kinds of websites, applications, and eCommerce stores. 

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If your website is integrated with Gravatar, then you’ll be able to import profiles from anyone who signs up with you and has a Gravatar profile. You’ll get access to any data that users have consented to reveal – and this not only streamlines the profile creation process but also ensures you don’t have to directly store user data from your end. 

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You can set Gravatar up in minutes and provide your clients with a great user experience while enjoying enhanced privacy and security measures. 

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Here is why Gravatar is an essential pairing with your OAuth authorization server:

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Take action: Secure your app with OAuth 2.0

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With its capability to protect sensitive information and ensure a seamless user experience, OAuth 2.0 stands as one of the best authorization protocols to keep websites and applications safe while facilitating access to user data. Choosing a professional authorization service can significantly streamline the integration of OAuth 2.0, enhancing your app’s security and user experience. 

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Furthermore, by integrating your website or web app with Gravatar, you get a reliable way of verifying your users when they sign up, a streamlined way for them to create profiles, and a secure third-party system for storing user information. 

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Don’t wait to secure your app with the industry-standard tool in digital identity management and authorization. Explore more about how Gravatar can be used alongside your authentication platform and take the first step towards a more secure, user-friendly application experience.

\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Fri, 10 May 2024 17:39:51 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:11:\"Ronnie Burt\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:9;a:6:{s:4:\"data\";s:11:\"\n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:1:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:53:\"HeroPress: HeroPress in Taco Land, and in Pizza Land!\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:29:\"https://heropress.com/?p=6773\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:147:\"https://heropress.com/heropress-in-taco-land-and-in-pizza-land/#utm_source=rss&utm_medium=rss&utm_campaign=heropress-in-taco-land-and-in-pizza-land\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:14850:\"\"A
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Memories

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Yesterday would have been my mother’s birthday, it’s been 15 years. Here’s a photo of her in her beloved forest with a grand daughter.

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HeroPress In Italy

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WordCamp Europe 2024 is just about exactly one month away. We’re going through Detroit and Paris-De Gaulle, and arriving at about 10:30am on Tuesday.

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Who are we going to see? Stop by the HeroPress Slack and let is know, I’d love to touch base with you!

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HeroPress.com – Being a freelancer can be the most stable thing in Taco land

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\n\"Jos
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When Jos wrote his essay he lived in Mexico, but has since moved to Bogotá!

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As time goes by, you realize that it is a good idea to choose your battles. And that there are things that you can achieve little by little if you have enough continuity.

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Jos’s essay is available on HeroPress.com.

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Press Releases!

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PressItWP.com has been a part of the HeroPress Network for almost a year now, if you ever release Press Releases, please consider PressItWP!

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The WP Community Collective and GoDaddy Launch New Program to Empower and Promote Underrepresented Speakers in WordPress

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Dateline: May 7, 2024 Source:  The WP Community Collective

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The WP Community Collective, in partnership with GoDaddy, is thrilled to announce the WC Fellowship program, which aims to support and promote underrepresented speakers within the WordPress community. This initiative not only offers financial support and networking opportunities but also strengthens the collective voice by increasing diversity at WordPress events.

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WP Podcasts

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There were Twenty-three WordPress podcast episodes released this week!

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There are new episodes every single day, so be sure to stop by WPPodcasts.com and search for things that interest you!

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WP Photos

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Here are some of the great photos submitted to the WPPhotos project this week!

\n\n\n\n\n\"ThreeCC0 licensed photo by Nilo Velez from the WordPress Photo Directory.\n\n\n\n\"ACC0 licensed photo by NEERAJ K from the WordPress Photo Directory.\n\n\n\n\"ACC0 licensed photo by Makarand G. Mane from the WordPress Photo Directory.\n\n\n\n\"ACC0 licensed photo by Nebu John Thaliyath from the WordPress Photo Directory.\n\n\n\n\"ACC0 licensed photo by Makarand G. Mane from the WordPress Photo Directory.\n\n\n\n\"ACC0 licensed photo by Keramot UL Islam from the WordPress Photo Directory.\n\n\n\n\n

Be sure to check out the hundreds of other great photos!

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The banner at the top of this post is a CC0 licensed photo by Nilo Velez from the WordPress Photo Directory.

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That’s it for this week! If you’d like to get this post in your email every week, make sure you sign up!

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The post HeroPress in Taco Land, and in Pizza Land! appeared first on HeroPress.

\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Fri, 10 May 2024 13:00:00 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:10;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:101:\"Do The Woo Community: Local UK WordPress Events and More with Dan Maby, Paul Smart and Nathan Wrigley\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:28:\"https://dothewoo.io/?p=83451\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:99:\"https://dothewoo.io/local-uk-wordpress-events-and-more-with-dan-maby-paul-smart-and-nathan-wrigley/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:146:\"Dan Maby, Nathan Wrigley and Paul Smart talk about the shift and challenges in hosting WordPress events in the UK, from virtual back to in-person.\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Fri, 10 May 2024 09:11:44 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:5:\"BobWP\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:11;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:55:\"Gravatar: Unveiling the Best Single Sign-On Solutions \";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:32:\"http://blog.gravatar.com/?p=1396\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:62:\"https://blog.gravatar.com/2024/05/09/single-sign-on-solutions/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:15729:\"

Single Sign-On (SSO) is an innovative technology designed to simplify your online experience. SSO allows users to log in to multiple applications or platforms using just one set of credentials, eliminating the need to remember numerous passwords. This enhances user experience and boosts security by reducing password fatigue. 

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In this article, we’ll be taking a closer look at the best SSO solutions, catering to a wide range of needs – from internal user management within enterprises, businesses, schools, and other organizations to online, user-facing platforms. 

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Let’s begin! 

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Understanding Single Sign-On (SSO) solutions

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SSO is a popular approach to digital identity management, allowing users to access multiple applications with just one set of credentials. This method simplifies the login process, enhances security, and reduces the need for multiple passwords.

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Here’s how it works: Upon the initial login, SSO verifies the user’s identity and generates an authentication token to access other connected systems, eliminating repeated login prompts. 

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This method brings many benefits, such as increased user convenience, lower IT costs for managing password recovery, and heightened security by minimizing password-related risks. 

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However, it’s important to differentiate SSO from cloud identity and access solutions, which offer broader identity management features beyond SSO, such as password vaults, directory services, user provisioning and de-provisioning, authorization, and role-based access control.

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SSO is particularly useful in:

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If you want to add SSO to your workflow, keep reading as we look into the various options available.

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Exploring Top SSO solutions 

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OneLogin

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OneLogin is a leading SSO provider designed for IT systems and organizations, including enterprises and educational institutions. It simplifies identity and access management, offering a secure and efficient way to manage access across numerous applications.

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Key features and benefits:

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Cisco Duo 

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Cisco Duo is recognized for its comprehensive security solutions tailored for organizations seeking advanced protection and seamless user access. This includes government institutions, educational organizations, healthcare, legal, retail, and financial services. 

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Key features and benefits:

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Microsoft Entra ID 

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Microsoft Entra ID, part of the broader Microsoft security ecosystem, is a leading identity and access management solution. It’s designed to work within modern enterprises, providing secure and seamless access to applications on-premises and in the cloud.

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Key features and benefits:

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JumpCloud

\n\n\n\n\"JumpCloud\n\n\n\n

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JumpCloud is another comprehensive platform for cloud-based directory services, offering great single-sign-on solutions to businesses that want to improve user management and enhance security. 

\n\n\n\n

Key features and benefits:

\n\n\n\n\n\n\n\n

Okta

\n\n\n\n

\n\n\n\n

\n\n\n\n

Okta has established itself as a leader in the SSO space, offering a versatile platform that supports businesses in securely managing and automating user identities and access controls.

\n\n\n\n

Key features and benefits:

\n\n\n\n\n\n\n\n

The role of Gravatar in web-based SSO

\n\n\n\n\"Gravatar\n\n\n\n

\n\n\n\n

Gravatar, short for “Globally Recognized Avatar,” is a service that allows users to create a profile and avatar that accompany them across various online platforms. It’s designed for anyone looking to maintain a consistent identity online, solving the problem of fragmented digital personas, particularly web applications, customer portals, membership sites, WordPress websites, newsletters, eCommerce sites, and online courses. 

\n\n\n\n

Unlike traditional SSO services that focus solely on login mechanics, Gravatar extends its functionality to manage online identities, enhancing users’ digital presence across different platforms.

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What this means is that when users with Gravatar profiles can carry over their profile information across any website or web app that has integrated with the Gravatar API – which streamlines the profile creation and onboarding process for them. 

\n\n\n\n

How Gravatar works

\n\n\n\n

A Gravatar is a unique avatar automatically associated with the user’s email address, following them from site to site. It appears next to their name when they comment on blogs, sign up for websites, or participate in online discussions. This universality means users can maintain a consistent image across the web, enhancing recognition and trust.

\n\n\n\n\"Gravatar\n\n\n\n

\n\n\n\n

User privacy and control

\n\n\n\n

Gravatar places a strong emphasis on user privacy and control. Users can manage their profiles and decide how much information to share, ensuring their online presence aligns with their privacy expectations. This focus makes Gravatar particularly appealing to privacy-conscious users and those who frequent multiple web platforms.

\n\n\n\n\"Gravatar\n\n\n\n

\n\n\n\n

Implementation and online experience

\n\n\n\n

For website, app, and eCommerce store owners, Gravatar simplifies the profile creation and user registration process. Allowing users to bring their Gravatar profiles to new sites can significantly increase registration rates and, consequently, conversion rates. This ease of integration and the enhancement of the online experience make Gravatar an attractive option for both users and developers.

\n\n\n\n

For web developers, Gravatar offers easy integration, enabling personalized and streamlined sign-ups while adhering to user privacy principles. 

\n\n\n\n\"Gravatar\n\n\n\n

\n\n\n\n

Make the smart SSO choice for your needs

\n\n\n\n

Including single sign-on in your organization and websites is a great way to convenience users while paying attention to data security and personal privacy. Throughout this article, we’ve explored a variety of top-tier SSO solutions tailored for internal organizational use in enterprises and educational institutions, each offering its unique set of features, security measures, and integration capabilities.

\n\n\n\n

However, for developers focused on creating user-friendly experiences for websites, stores, or apps, Gravatar is arguably one of the best identity management solutions built around the principles of SSO.

\n\n\n\n

Unlike conventional options, this tool excels in creating a unified online identity, allowing users to carry their profiles and avatars across various platforms effortlessly, fostering a sense of trust and continuity. 

\n\n\n\n

Gravatar’s commitment to privacy, its status as an open-source leader, and its developer-friendly API make it an invaluable tool for those prioritizing user control over personal information. 

\n\n\n\n

So, if you’re intrigued by the unique benefits and potential of Gravatar for web development, find out how Gravatar is revolutionizing SSO for the online space, and subscribe to our newsletter to stay tuned for more information.

\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Thu, 09 May 2024 16:50:00 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:11:\"Ronnie Burt\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:12;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:66:\"Gravatar: Crafting a Custom User Profile Page on WordPress: How-To\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:32:\"http://blog.gravatar.com/?p=1384\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:60:\"https://blog.gravatar.com/2024/05/09/wordpress-profile-page/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:14035:\"

The default WordPress user profile options are a bit bare-bones, allowing users to enter only the most basic details when they sign up on your website. This not only leads to a lackluster user experience but also limits the valuable data and insights you can gather as a website owner.

\n\n\n\n

Imagine, instead, a WordPress site where every user profile is a unique, dynamic representation of the individual behind it. By creating custom profile fields on the sign-up page, you can allow users to share their stories, interests, and expertise. 

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But the benefits of customized user profiles go beyond just the user experience. By gathering rich, detailed information about your users, you can gain valuable insights into your audience demographics, preferences, and behavior. This data can inform everything from content strategy to product development, helping you tailor your offerings to better serve your community.

\n\n\n\n

So how do you unlock the full potential of user profiles on your WordPress site? In this article, we’ll dive into the world of front-end user profile customization, exploring powerful plugins and tools like Gravatar that make it easy to create a cohesive, engaging brand experience across every user profile.

\n\n\n\n

The limitations of WordPress’ built-in user profile system

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WordPress’ native user system is simple and straightforward. However, it might be a little too simple for website owners who want to implement custom frontend profiles for users. Here’s a look at its limitations: 

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Exploring plugins for frontend user profile management

\n\n\n\n

Frontend user profile plugins make it easy for users to update their WordPress user profile pages without needing backend access. 

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As the name suggests, these plugins let users tweak, edit, and manage their profiles right from the site’s front end. By offering various customization and integration options, front-end user profile plugins play an important role in addressing the limitations of the default WordPress profile. 

\n\n\n\n

Let’s explore some of the popular plugins and their essential features: 

\n\n\n\n

User Registration

\n\n\n\n\"User\n\n\n\n

User Registration is a versatile plugin that allows users to create custom registration forms for their WordPress sites. 

\n\n\n\n

With an intuitive drag-and-drop form builder and unlimited customization options for fields and forms, this plugin is ideal for websites that require flexible and customizable user registration forms, such as membership sites, online communities, and eCommerce platforms.

\n\n\n\n

However, you need to upgrade to a premium version to access advanced features, such as integrations with payment gateways, email marketing platforms, and other third-party services. User Registration’s pricing ranges from $79 per year for a single site to $299 per year for unlimited sites. 

\n\n\n\n

Profile Builder Pro

\n\n\n\n\"ProfileBuilderPro\n\n\n\n

Profile Builder Pro comes packed with features like social login, customizable forms, and even multi-step forms for a great user experience. While its sleek design and integration with WooCommerce are big pluses, some advanced features might need add-ons.

\n\n\n\n

Although it isn’t the simplest tool for beginners, if you’re running a website that requires advanced profile management capabilities, like an online directory or a job board, this plugin could be the right fit. Profile Builder Pro’s plans range from €69 per year for a single website to €429 one-time payment for unlimited websites. 

\n\n\n\n

ProfilePress

\n\n\n\n\"ProfilePress\n\n\n\n

ProfilePress simplifies user registration, login, and profile management on WordPress. It comes with customizable forms, social login, and user verification features. 

\n\n\n\n

ProfilePress is known for its easy-to-use interface, making it a great choice for beginners and those who want to create a basic user-friendly website. 

\n\n\n\n

However, accessing advanced features, like payment gateways and multilingual support, requires purchasing a premium ProfilePress plan and enabling the relevant add-ons. ProfilePress is also the most expensive option on this list, starting at $125 per year for a single website and going up to $499 per year for unlimited websites. 

\n\n\n\n

Toolset

\n\n\n\n\"Toolset\n\n\n\n

Toolset allows you to create custom post types, taxonomies, and fields on your WordPress site. It’s perfect for building complex websites with unique content structures.

\n\n\n\n

Thanks to its drag-and-drop interface, Toolset is user-friendly and allows for custom views, queries, and layouts. Toolset is ideal for developers and large-scale agencies looking to build custom, data-driven websites with advanced features. 

\n\n\n\n

However, the pricing for Toolset can be steep, especially for those with simpler website requirements. The plugin starts at €69 per year for a single site and goes up to €299 per year for unlimited sites.

\n\n\n\n

Why Gravatar is an even better solution for WordPress profile pages

\n\n\n\n\"Gravatar\n\n\n\n

Though not a plugin, Gravatar by Automattic is a powerful tool that helps users maintain their online identities across the internet with a universal profile. Here’s how it stands out from the rest: 

\n\n\n\n

Simplifies the user experience

\n\n\n\n\"\"\n\n\n\n

Integrating your website with the Gravatar Application Programming Interface (API) can seriously streamline the user sign-up process. When a user signs up with an email address linked to their Gravatar profile, you can automatically pull their profile information, such as avatar, name, and bio, to pre-fill the corresponding fields on your website. This enables the functionality you want and makes the process extremely straightforward for your users!

\n\n\n\n

Symbiotic relationship with WordPress

\n\n\n\n

Gravatar and WordPress share a symbiotic relationship: Automattic, the company behind WordPress.com, also happens to be the brains behind Gravatar. This means site owner profiles on WordPress.com are all pulled from Gravatar. Plus, across the WordPress ecosystem, Gravatar is the go-to for avatars in default user profiles and comments. 

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Data and security

\n\n\n\n

At Gravatar, we take a privacy-forward approach. This means users have complete control over their personal data and can decide what’s public or private. They can also manage all their profile information in one centralized location for added security. 

\n\n\n\n

This approach offers several benefits for website owners. You don’t actively store any data, and you can build personalized experiences for your users based on the information they choose to share with you. 

\n\n\n\n

Ease of integration and developer support

\n\n\n\n\"Gravatar\n\n\n\n

Gravatar’s straightforward setup process and compatibility with various platforms make it easy to integrate. And, for developers, Gravatar comes with full API support, meaning you can customize and extend its functionality to suit your needs.

\n\n\n\n

Maximizing Your Website’s Profile Potential with Gravatar

\n\n\n\n

Gravatar offers a suite of powerful customization options that enable you to tailor user profiles to perfectly align with your brand and community. Here are just a few ways Gravatar can help you maximize your website’s profile potential:

\n\n\n\n\n\n\n\n

Optimize your WordPress profiles with Gravatar

\n\n\n\n

Setting up custom frontend profiles isn’t possible by default, but with Gravatar, it is! Here’s how it makes life easier for you and your users: 

\n\n\n\n\n\n\n\n

By optimizing user profiles with Gravatar, you can enhance user engagement, trust, and site loyalty, which could open doors for monetization opportunities on your WordPress site. Explore all the possibilities that are available with Gravatar and start creating fantastic user experiences today!

\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Thu, 09 May 2024 16:42:57 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:11:\"Ronnie Burt\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:13;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Matt: Bay Lights Are Returning!\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:23:\"https://ma.tt/?p=114203\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:47:\"https://ma.tt/2024/05/bay-lights-are-returning/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:1591:\"

Illuminate has crossed the funding threshold it needed to actually kick off the project of bringing the Bay Lights back to San Francisco, as Heather Knight writes for the New York Times. The upgraded lights will be visible not just from San Francisco but also in Oakland, Treasure Island, Berkeley… all across the Bay. It’s felt like the lights have been the lumen-physical embodiment of San Francisco’s struggles: sparkling and inspiring at the start, then facing troubles, a trough of darkness, and now hope for something better sparked and on the horizon.

\n\n\n\n

I’d love to get as many citizens and addresses in San Francisco as donors, however small, to round out the last bit of the funding, so that as many people as possible can feel the ownership and pride of making the city better. Back in January when I promoted this last it was on a terrible platform, it’s now been re-done by the GiveWP team to be totally native WordPress and a slick donation experience, easy to do on mobile and with Apple Pay. (Major kudos to Devin Walker there!) Please share the link to your friends, especially ones that see the bridge from their home, for $10 it’s the cheapest pro-social dopamine boost you can have every time you look at the bridge.

\n\n\n\n

\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Thu, 09 May 2024 11:58:33 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:4:\"Matt\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:14;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:75:\"WPTavern: #119 – Paolo Belcastro on How AI Is Shaping WordPress Wordflows\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:48:\"https://wptavern.com/?post_type=podcast&p=155685\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:89:\"https://wptavern.com/podcast/119-paolo-belcastro-on-how-ai-is-shaping-wordpress-wordflows\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:61945:\"Transcript
\n

[00:00:00] Nathan Wrigley: Welcome to the Jukebox podcast from WP Tavern. My name is Nathan Wrigley.

\n\n\n\n

Jukebox is a podcast which is dedicated to all things WordPress. The people, the events, the plugins, the blocks, the themes, and in this case, how AI is shaping WordPress workflows.

\n\n\n\n

If you’d like to subscribe to the podcast, you can do that by searching for WP Tavern in your podcast player of choice, or by going to wptavern.com forward slash feed forward slash podcast. And you can copy that URL into most podcast players.

\n\n\n\n

If you have a topic that you’d like us to feature on the podcast, I’m keen to hear from you and hopefully get you, or your idea, featured on the show. Head over to wptavern.com forward slash contact forward slash jukebox and use the form there.

\n\n\n\n

So on the podcast today, we have Paolo Belcastro. Paolo works at Automattic, where he’s focused on Jetpack and .blog products. He’s been working remotely since 1994, and managing distributed teams since 1998.

\n\n\n\n

He’s on the podcast today to talk about AI. And he certainly brings a wealth of knowledge and experience in integrating AI with web development. .

\n\n\n\n

Paolo brings detailed insights into how they’re making decisions about what to develop in Jetpack AI. This is to take it beyond simple tasks like typo corrections, and grammar adjustments, to more sophisticated functions, such as content translation, tone adjustment, and even complex texts summarizations. All done directly within the WordPress editor.

\n\n\n\n

The focus isn’t just on the functionality AI brings, but also on the efficiencies it introduces for developers and content creators alike. Allowing them to shift their focus from tedious tasks to more creative and challenging aspects of web development.

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We also tackle the broader implications of AI in the tech industry. Discussing potential risks, the ongoing concern about AI’s impact on jobs, and the ethical considerations of AI in creative roles.

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We get into an exploration of the balance between AI’s utility, and the indispensable value of the human touch in crafting meaningful digital experiences.

\n\n\n\n

With Paolo’s insights into the recent advancements in open source AI models and the collaborative efforts within the AI community to keep platforms accessible but innovative, you’ll gain a comprehensive view of where AI in web development stands today, and where it might head tomorrow.

\n\n\n\n

If you’re a developer, a tech enthusiast, or anyone interested in the intersection of AI and creative processes, this episode is for you.

\n\n\n\n

If you’re interested in finding out more, you can find all of the links in the show notes by heading to wptavern.com forward slash podcast, where you’ll find all the other episodes as well.

\n\n\n\n

A quick note before we begin, this was recorded live at WordCamp Asia. There was quite a lot of background noise to contend with, and I’ve done my best to make the audio as easy to listen to as possible.

\n\n\n\n

And so, without further delay, I bring you Paolo Belcastro.

\n\n\n\n

I am joined on the podcast by Paolo Belcastro. Hello.

\n\n\n\n

[00:03:48] Paolo Belcastro: Hi Nathan.

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[00:04:59] Nathan Wrigley: Very, very nice to have you on the podcast today. We’re going to talk about AI, the topic which keeps on giving, throughout the year 2023, and probably throughout 2024 and 2025. Because we’re talking about AI, I guess, Paolo, it would be useful to know what your credentials are. To get some understanding of why what you say carries weight. So will you just tell us a little bit about you, what you do for a living, who you work for. Biography, really.

\n\n\n\n

[00:04:15] Paolo Belcastro: Yes. So I work at Automattic, the company behind wordpress.com, Jetpack, WooCommerce, and I work particularly on Jetpack.

\n\n\n\n

And my AI credentials, so to speak, are that, since last May, so about a year ago, we started working on Jetpack AI, that we launched in June 2023 at WordCamp Europe. And we have been developing this set of tools for people to use AI in the editor directly.

\n\n\n\n

I’m also a very heavy user of AI tools. So for that you have to take my word, but I’ve been using them a lot. Yeah, and I made a presentation about AI yesterday, here at WordCamp Asia.

\n\n\n\n

[00:04:58] Nathan Wrigley: Was it well attended? I imagine AI is popular at the moment.

\n\n\n\n

[00:05:01] Paolo Belcastro: Yeah, it was actually as attended as the room allowed, like people were sitting on the floor, so I couldn’t. But yeah, it’s not a very big room, but I actually like a small room packed much more than a large room half empty, so I was pretty happy.

\n\n\n\n

[00:05:14] Nathan Wrigley: How have you managed to integrate AI into the Jetpack suite of things? I’m guessing this is all still fairly new.

\n\n\n\n

[00:05:22] Paolo Belcastro: Yeah it’s fairly new, still experimental. We are really trying to produce experiences, and listen to users who use them, and adapt them. Our first iteration was really about saying, let’s just bring the tools that everybody can now access in ChatGPT, or at the time was called Bard, it’s now I think Gemini. And basically bring them to the editor. Why would you have to go and copy paste with all the formatting problems that can arise?

\n\n\n\n

So we extended the Gutenberg editor with a block, an AI block, that is a chat interface, where you can chat with the AI assistant. And we also extended a certain number of blocks, like the paragraph, the title, the headers, the table, and the forms, with an AI button that you can use to ask for a certain number of operations. And we started with what AI does best, which is text transformation.

\n\n\n\n

So say you have written something, you can ask, of course, for typo and grammar correction, that’s the most used feature. You can ask for translation, which is really useful for people who, like a lot of people might want to publish in English, but that’s not their primary language. Of course, there’s other translation tools out there but, again, having it in the auditor is practical. And it does, of course, translation across many languages, not just to English.

\n\n\n\n

We have also a tone transformation. If you, say you wrote something and you feel like it should be a little more formal, or more informal, maybe humorous, so you can choose one of the tones. You can of course summarise text, you can ask it to expand on something you wrote. So those are all tools to help you polish your text.

\n\n\n\n

Now, I am a strong believer of the fact that AI is very valuable. Use it as a tool to improve what you are writing, as opposed to a tool that is going to write for yourself. So I don’t really believe we can get to any good results, at least today, by starting with a blank page and telling AI, hey, write me an article about Taipei, because I went to WordCamp Asia and I’m too lazy to blog. I don’t think that works. It’s going to write the same article for everyone, or roughly. And so that’s not interesting.

\n\n\n\n

What is interesting is, I write a draft about Taipei because I’m here, and I write my experiences, and maybe it comes out a bit like a stream of consciousness. And then I can ask the AI, can you take all that text I wrote and make an outline for me?

\n\n\n\n

So now I can organise my ideas that I put in that text. And maybe I feel that, okay, I should move that up, I should move that down, I should remove this. And once my outline has been polished, and has become a little more clear, I can actually tell the AI, can you take my original draft, this new outline, and reorganise my draft to match this new outline?

\n\n\n\n

So now I have a new draft where I’ve been working with AI, like I would be working with an assistant, or with a colleague, or with someone helping me. I find that’s where the value really lies, because then it’s still me. It means that someone else, doing the exact same steps, will get to a completely different result, because it’s their mind, their content, their experience.

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But we can accelerate the process, because it’s all about producing more, not for quantity, but because more writing leads to better writing. The quantity leads to quality. It’s not just about putting out more content. It’s that, whatever the craft you are in, whether it’s writing, photography, recording podcast, it doesn’t matter, the more you do it the better you get.

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[00:08:53] Nathan Wrigley: So your key takeaway there, it feels like is that the human is at the center of all the things. You still need a human in order to produce something that humans would like to consume. So it’s not, you know, if you write the article about Taipei, and you don’t in any way inspect what’s been written, the chances are you’re going to end up with something that is, no human is going to wish to consume.

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It will fill up the words on a page. It will look like 10,000 words, in the same way that everything else with 10,000 words would look. But you’ll get into it and you’ll immediately have an intuition that, actually, what is this? There was no care taken in this. Okay, that’s interesting.

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[00:09:31] Paolo Belcastro: And what’s interesting is that, that happens of course. The tools are there available to everyone, and so definitely people started using them to produce tons of content. It’s not very different from what they were doing before. There were already content farms before, and people writing tons of articles about subjects that they know nothing about.

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I don’t know if you like cooking, but if you have looked for a recipe online, you have all these sort of SEO content, that is completely irrelevant for cooking the cake, but it’s there. That existed before. AI allows you to do more of that, but it’s not more value than before. If you don’t share your experience, if you don’t share your feelings, if you haven’t lived through the things, then it’s not Interesting, interesting for humans.

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[00:10:13] Nathan Wrigley: There was something that you said a moment ago, and I’ve written down a series of questions and I’ve shared them with you. But there was a couple of things that you said which interested me, and I’d like to pursue that for a moment.

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You talked about the different things that Jetpack AI can do. And you mentioned you can do translation, you can change the tone. There was a bunch of other things. Are you only able to do those variety of things that the AI companies provide with their API? I don’t know if that’s how it’s working. So they offer the capacity to change the tone, they offer the capacity to change the, I don’t know, the language or what have you. Is there a limited subset of things that you can do because of what they provide to you?

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[00:10:51] Paolo Belcastro: Well, we actually do a bit more because, yeah, I got on a tangent and we haven’t finished what Jetpack AI can do for you. So the way those API work, and this is the very interesting part is that those tools, those large language models as they’re called, manipulate text, generate text basically. The core abilities generate text, actually their core abilities figure out what the next most likely word is after a given text.

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But text is not only content. Text can also be instructions, or text can be a configuration file, text can be a JSON object, it’s all text. So we can do more sophisticated things than just generating text. For example, the first very basic step is that, if you go to Jetpack AI and oh, can you give me the list of the 10 most visited monuments in the world, ranked by order of traffic, and put them in a table.

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Now the AI is going to do couple of things. First is going to, of course, go and seek that data in the training data they have. Or online because now they can actually go online and check on other websites and get fresh data. Then it’s going to create content you asked, but then it can also format it, in this case for a table using markdown, so that in your editor you get a table block inserted, as opposed to a list of things.

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That’s when the AI becomes interesting, is that, anyone who has used a table block in Gutenberg knows that, once the table is there, if you want to reorder it, for example, it’s a little bit of an annoying work, because you don’t really have a way to select all and say, sort by this field. The AI can do that, so you can say, reorder this table by alphabetical order, and it’s going to do that.

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And we push the experiment a little further with Jetpack Forms. So Jetpack Forms allow you to create forms, a recipe form, a contact form, a subscription form, whatever. And the standard way we have been doing it for a while was that, when you insert a form block, we offer you seven templates. You choose one, or you choose an empty. And once you have your form, then you are manipulating manually. You can add blocks, remove blocks, all the sub elements of the form.

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And now we have added the AI system to the form. So you can ask for a form that does exactly what you need. So for example, your RSVP form, let’s say it’s for a dinner, you can say, well, add menu to indicate allergies to food. It’s going populate it with the most common ones. Of course, you can ask for more if you need. Oh, actually I want to know where people come from, so can you add a menu with all the cities in Austria, because maybe I’m organising a dinner in vienna and I want to know that.

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And that is very interesting because on the one hand it’s practical, because filling those menus with all the options is very long. But also now the AI is manipulating Gutenberg blocks. So we had to figure out how do we get, because typically, for example, something interesting is that the API will stream the result back to us. So we get that as a stream of data, but we cannot display it as a stream of data, because otherwise blocks would be invalid as long as they’re not closed.

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So we had to learn how to buffer those elements, so that we only show blocks. But we don’t want to wait for the whole stream to be finished, because it’s nice to stream the result. And so now what we do is that we buffer the stream, so that we showed block by block, and so we stream in bigger chunks. This is all experimentation that is made possible by the fact that, yes, those API only manipulate language, but actually everything we do is language, because coding is language.

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[00:14:32] Nathan Wrigley: It just occurred to me, sitting here now having this conversation, three years ago, if we were to sit here, the same conversation that we’re having now would’ve been absolutely unimaginable. There’s not one part of it where any of that was plausible. That was science fiction, what you just said, three years ago, that you write something in and a service which has seriously large amounts of data at its disposal, gives you information back, and then the website that you run puts it into a table, you can then tell it to be reordered, and we could go on. There’s a million different permutations.

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Completely impossible. And yet now, well, not mundane, that’s the wrong word, but you get the point. It’s now trivial, and it’s what everybody expects. And that’s really remarkable.

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[00:15:18] Paolo Belcastro: Yeah, that tells something about how progress doesn’t happen always in a continuous line, there’s steps. And we have seen those before. I mean, I was one of those people old enough to watch the presentation first iPhone. That keynote, that is almost ridiculous to think that this is just a consumer device, it’s like a piece of metal and silicon and everything.

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But back then it made me happy, curious, excited to try a new gadget. Today, it almost makes me cry when I watch it because it’s a pivotal moment. Our lives have changed. Our lives were some way, and now are a different way.

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As much as someone can disagree with, you cannot disagree really with that. You can be angry about it if you want, but the reality is that having internet in your pocket has changed the world. There were other moments like that, you know, your first dialup internet connection.

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For me, that’s where it stops because I was born in 1970, so I had a computer in 1982, and that’s the first of those moments. I assume other people might have that with television, or the car in the past. So there’s those pivotal moments in our history that are really important. So I think this is one of those, that’s why it’s so critical.

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And then though, it tells also something about our ability to adopt new technology fast. Because the first computer, I got one in 1982 in my house. It took years before there was a computer in every house. And then the iPhone took a lot less, but still a few years before everybody had an iPhone, or a Android equivalent phone in their pocket. And now because each one of those layers has enabled the next one, well, when the pivotal moment is an app, and everybody has a phone with internet in their pocket, the path is very short.

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[00:17:08] Nathan Wrigley: To say that AI is available to a significant proportion of humanity, I think is true. And it was available right out of the gate, because you can do it from the phone, you can do it from your laptop. Incidentally, my moment there was the first time that I saw a flat LED color screen. I remember just staring at that thinking, how did they get color into that? It was remarkable.

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Okay, so, absolutely true, there’s AI everywhere. Tell us what it can do at the moment to help WordPressers. Obviously you’ve been through that you can create forms, you can ask it to create content for you in the form of text, and what have you. Can it do other things? Is it possible to, for example, create entire pages, or entire websites, or images that can drop in?

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[00:17:51] Paolo Belcastro: It can. So in terms of images, for example, we launched a feature recently that is actually not in Jetpack AI yet. We launched it on wordpress.com, which is a logo creator. And so what it does is that when you say, oh, I need a logo, because most WordPress themes have a space for a logo somewhere, generally on the top left corner. It takes whatever content is already in the site, maybe the tagline, the site name. There isn’t much generally, because that’s often something you do at the beginning, but it takes that and generates a logo for you.

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And then of course you can alter it. You can chat with the assistant to say, I don’t like this, or I want it monochrome, or I want it more stylish, or I want it more modern. So that’s one example. We started with the logo because we figured that was one of those situations where you generally want to create an image out of nothing, as opposed to modify existing images.

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Now, there’s other developments at Automattic, for example, on the WooCommerce side. I have to admit, I’m not up to date with the latest things they launch, because it’s a big company Automattic now, and it’s hard to follow everything in real time. But they are launching features centered around managing a store online.

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There are a few tools you probably have heard out of WordPress, that allow you to create websites, or landing pages with AI. I cannot really go into detail because there are experiments running inside Automattic right now, they’re not yet ready for prime time. I only can say stay tuned. AI can do a lot more than just manipulating text.

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[00:19:25] Nathan Wrigley: It feels like the goal for many people, the desire for many people, is to put a non-technical user in front of a computer, and within five minutes, something approximating a finished website will appear. So like you say, you can handle the logo right at the outset.

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We install WordPress, vanilla version of WordPress, and we go through some kind of process. Tell me about your website, just give me a few sentences. Where are you based? Do you want a contact form? Yes. And then out the back, five minutes later comes a website.

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I don’t know if that’s ever going to deliver the perfect website, but it feels like a lot of people would love something like that. And I think there are commercial products that do things like that, but I don’t really know.

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[00:20:10] Paolo Belcastro: So there’s two interesting things here. I want to put a pin on the non-technical user that you mentioned, because I think we should come back to it later. It’s a very interesting point of discussion. But going to the creating the site, yes of course, everybody wants to be able to very quickly get to something that resembles what they need, or what they have in mind.

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It’s not a new thing. For example, WordPress through themes has always allowed something like that, where you look at a theme repository, you’re like, oh, I really like this one and I can picture it with my images and this. And then, yes, once you install that theme, it took a little bit of knowledge to get it really where you want it. So definitely, we can have AI tools that accelerate this process.

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And what’s interesting here is that , I go back to what the human puts in, it’s still going to need an understanding of how should a website, for example, you are building a restaurant website, the fact that you have tools that make it easier and faster to get the result you want, still require you to know exactly what is the best way to present a restaurant, so that it has more appeal, that people want to book it, that people understand the menu.

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So what’s interesting here is that, again, we build tools that accelerate the process, but the value of the human remains the same. If someone has built sites for 35 restaurants, and someone else has never built one, the results that person that has experience will get with AI will be much better than the person who has never built one. Because, out of the box without the human input, the AI will have a tendency to, again, go average. That’s the whole point of figuring out the most likely token that comes out of a suite of tokens is converging to the middle. And so the presence of the human makes the whole difference.

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And then there’s the question of, oh, is this a tool for an end user building one site, or is this a tool for a professional building sites for clients? I would argue for both, because the professional, probably the AI will save them less time per site, because they already had processes, they already had templates, they already a system to streamline launching a new site. But maybe they save less time per site, but because they do that hundreds of times a year, the benefit is huge.

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Whereas the end user, they will save a lot more time on a given site. But maybe they build only one, so that’s going to be a one time gain. I think also about the fact that now we can customise the way AI behave a lot. There’s custom instruction, there’s system prompt, there’s a number of tools. I want this AI to consider this context, this data, this frame of reference. And we can imagine there that professional user that does that very often will invest more time in customising their AI, and making it suitable to their need, so that it’s more and more efficient for what their specialty is.

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[00:23:09] Nathan Wrigley: Yeah. It’s interesting because one of the key things about your talk was, you really did want to make it clear that you are very bullish about the fact that AI is not going to be taking away jobs from web developers. I’d like to sort of develop that a little bit, because I, like everybody else, have been confronted with that possibility. And in my mind I’ve thought, if this gets really good at doing all the things that I can do, and it appears to be, that’s not a horizon which I can’t foresee us arriving at fairly soon. But you are much more sanguine. You think there’s always going to be space for the developer. There’s always going to be space for the human, and the technical things, the experience that they bring. So let’s just unpack that a little bit.

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[00:23:48] Paolo Belcastro: Yeah. So let’s use a parallel with another technological revolution. Let’s think about the Industrial Revolution and Agra Revolution. There used to be a time in Europe where 9 out of 10 people needed to be farming the land or breeding animals. Before the Industrial Revolution, 9 people had to work in a farm to feed 10, and those 10 were themselves, and then one. So that gave one person the possibility of doing something else. And then we invented more tools, and mechanical tools, and we invented engines, and we automated all that. Today, 250 years later, maybe one person, every thousand, needs to be a farmer to feed everyone.

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Now, there’s two things that are interesting here. First of all, it has taken a long time. It hasn’t happened overnight. Also, still today, we need farmers. So my point is to say AI, as an entity, is not going to take your job. Another developer using AI might be taking your job though, because they’re going to become a lot more efficient. But the reassuring part in that is that now becomes accessible to everyone. If I am afraid that AI is going to take my job, how can I compete with a machine? But if I’m looking at another person using a tool that I can also use, now it’s up to me to say, well, if I want to keep doing this job, I can use the tools, they’re available to me.

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Now what’s going to happen, like in every previous technology revolution, is that it’s going to also create a ton of new opportunities. So there might be people that would’ve been developers without AI, and now will be something else. The same way as, there were 9 out of 10 people farming the land 250 years ago, now it’s 1 every 1000. We are way more people on Earth, and still almost everyone has a job.

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[00:25:43] Nathan Wrigley: Yeah, those 999, they have things to do.

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[00:25:46] Paolo Belcastro: They have things to do. Even just the last 50 years, like we look at the computers have removed a ton of jobs that are now useless, because they were so easy to automate that we didn’t need AI. I remember, for example, when I was a kid, a friend of my parents, I remember I was impressed because I visited the place and I was impressed. They were working in one of those central telephone station, where you would connect people.

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[00:26:12] Nathan Wrigley: Oh yeah. Literally the wires plugged into the wall.

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[00:26:15] Paolo Belcastro: That’s now completely automated. But those people, like they did something else. So AI is a tool. As a tool it’s going to accelerate the work we do in some areas. Create new opportunities in others, but it’s just a tool. And like any other tool, if it’s just laying down there, is not going to do anything.

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[00:26:33] Nathan Wrigley: Yeah, I think the thing that maybe causes people concern is, a, the fact that it all seems to be happening so quickly. So, you know, the farming analogy, it probably took many hundreds of years for the, slowly the technology became better, incrementally. It wasn’t like we went from 1000 farmers to 1 farmer, because somebody invented the combine harvester, and the motorised tractor overnight. So I think we’re living through that, potentially quite scary bit, because it’s all happening so quickly.

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But I do like your analogy of the developer armed with AI, is likely to be a better developer. Given two equal developers, who’ve got the same experience. You know, if you could literally clone a developer and have an identical one, but put AI with this one, and this one is not allowed to use AI, you can imagine that the AI version of that developer is going to get to a different result, possibly quicker, more efficient, and what have you. And I like that. That kind of makes the AI a partner in a way, feels nicer.

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[00:27:34] Paolo Belcastro: Yeah, definitely. And I would add one thing that feels even more nice, which is that, if you could clone this developer just for the sake of the experiment, and one has AI and the other doesn’t. It’s not just that the one with AI is going to deliver faster. Fast forward six months, they’re not the same developer anymore, because the one with AI, in those six months, has been able to remove from their plate a lot of the tasks that are not really creative, where they don’t grow, and focus on the ones that are really hard.

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So that’s when I was mentioning, I used the term tedious in my presentation a lot yesterday, because I was saying the AI can remove the tedious part of your work. Typically in the work of a developer, there is time spent thinking. By the way, most people overestimate the time a developer spends writing code on a keyboard. Most of the time you spend thinking. And then there’s the time spent writing on the keyboard. And a lot of that time is spent writing the same things over and over, because there are elements that are needed.

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Whenever you start a new plugin for WordPress, for example, there’s a whole file structure that you have to put in place. Whenever you do this and these things, you will have to add all those sanitising functions, and you will have to add those unit tests, and that is not really creative. This is stuff you have done 20 times, 100 times, 1000 times. You just do them automatically.

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If you can save all that time to focus on the pieces that you have never done before, that’s where you grow. You challenge yourself. So six months in, those two developers have a very different trajectory, that’s the more important point. It’s not just the acceleration, it’s that the learning experience is accelerated by removing those pieces.

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[00:29:15] Nathan Wrigley: It feels like you are definitely reassuring me, because I think there is a part of me which sits on the worried side when it comes to AI, but every time you say a little bit more, I feel a worry going away, so this is good.

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Let’s keep going down that track. Can you become better at using AI? Is it possible? In the same way that two people who can write PHP code, somebody is going to, you can just become better at it. There’s certain things that you can learn. Can you do the same with AI? Are there interesting novel ways to improve? Because I keep hearing in the media, that learning how to prompt AI is going to be a valuable skill of its own in the future.

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[00:29:54] Paolo Belcastro: I think so. Definitely yes now. I would add that it’s imaginable that, as those tools become more and more sophisticated, the difference between abilities to prompt might fade. Because part of the skill today is in understanding the limitations, and leveraging, or working around those limitations to get the result you want. So it’s possible that as we go forward, those limitations disappear, and more sophisticated tools require less precision.

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So what’s important today, I would say is training, testing, trying. I think that there is nothing like wanting a result, and trying in 20 different ways to get to that result, and see what works best. If you ask a question to, let’s use ChatGPT as an example, as the most popular. You ask a question to ChatGPT, it’s going to give an answer. There’s many ways to improve that answer. You can go back to your question, and you can say, my question might be a bit vague, maybe I have to specify the context.

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Typically a lot of the early work was about saying, well, you have to tell ChatGPT who they represent. What is the role they’re playing? I remember, for example, reading, this was a blog post from the people who built Copilot at GitHub, and they were explaining a principle. It wasn’t exactly how they did it, but more the principle. They were saying, imagine you are configuring an assistant to be a support agent.

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Now, you could tell the assistant, you are a support agent, and you are helping a customer fix their cable connection, whatever. The customer is angry, they want to watch their football game, you have to fix that fast. And maybe you can even say, oh, and here’s the documentation where you need to find information. But then what they were saying was, you can be more subtle and say, for example, you are an excellent support engineer, best of your class, and you work at this company where you support clients, and there’s these clients, there’s this case study of a client that had this problem.

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And as it happens, you open your briefcase, and you look for the documentation of this case study, and the case study explains how you fix the problem. And this is the text that is on the page. And that’s where the AI takes over. And so that’s a way to say to the AI, you are an expert support agent, doesn’t mean much for the machine because the machine is not a being, sentient, these are just words.

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So if you set the stage for the text they are supposed to be produced in the highest quality, which is, here’s an intervention where we help a customer, and it was so good that it’s a case study. And now you still give the documentation and everything, but you have set the stage for the AI assistant to actually continue that conversation properly.

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This is one type of example. There’s another example of breaking down into step-by-step reasoning, chain of thought. You ask a question and you say, for example, you asked to write a function that does something. You get the output, and then you can ask the AI, can you explain me, step-by-step, how you got to this result? And now what’s interesting is that, by redoing the same work but step-by-step, the AI will develop each step and make corrections along the way. Because suddenly, where the first output was the result of this probabilistic analysis, the second output changes because, once the first point is laid down, oh, suddenly the second point that is more likely is not what was there before.

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Because before it was seen as one thing. And now, step by step, the AI, there are people that say, this is not something I really have, I mean, I’ve tested, but just very briefly. There are people that say that you get better answers if you’re polite. And the idea behind that would be that, in the training data, conversations where people were polite were more likely to be constructive and helpful. Whereas conversation where people were rude, were probably less likely to be constructive and helpful, and therefore you direct the AI to use one area of the training data as a support.

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But there’s other people that say that, actually it’s better to be direct and ask for the thing, as opposed to, can you do this and that? Because if you say, can you do this to a human, they’ll do it for you. But if you say, can you do this to a machine, they might sound like the sarcastic human that answers, yes I can, and then doesn’t do it. There’s people who have experimented with tipping, which you cannot actually do, but you can promise. You can say, hey, I’ll give you £100 if you do this and that for me. And apparently they say that the result would be better. Which, it’s hard to understand there what is the truth.

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Recently something very interesting happened. There’s Anthropic launched Claude 3. It’s supposedly better than GPT 4. It has three levels of quality, based on how much you’re ready to pay for the responses. They started testing it. And now there’s a number of tests that are run on these LLMs to evaluate their performance.

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The test that they ran was funny. It’s called the needle in a haystack test. So the idea is that you give a lot of content to the assistant, and then in that content you put one paragraph about a subject is completely unrelated to the rest of the content. And then you ask a question about that specific point. Previous versions of LLMs had a tendency to not be able to answer, because the fact that that content was very short, compared to the mass of other content, it was kind of overlooked.

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On top of that, apparently LLMs had a tendency to over index on the beginning of the provided content, and the end, and less the middle, which by the way is very much similar to humans.

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[00:35:50] Nathan Wrigley: Absolutely.

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[00:35:51] Paolo Belcastro: But in that context, so there was, I can’t remember, the 200,000 tokens were about some subject, I can’t remember what. But the one paragraph that was the needle in the hay stack was about pizza toppings. And then they asked a question about pizza toppings. Claude 3 replied the right answer, so it got the reference.

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But then added, it’s odd that there is content about pizza toppings in this text that is very long, and has no relationship with the subject. It’s almost as if this was a test for me to see if I’m paying attention.

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Which is very funny because the first reaction is, oh my god, this thing is sentient. When the reality is very likely elsewhere. I think that the reality is much more that there might be in the training data mention of this type of text, because it’s hard now to isolate the data and say, oh, we shouldn’t train AI with anything that talks about AI. It’s almost impossible.

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[00:36:45] Nathan Wrigley: Oh, so the AI may have picked up on a piece of text describing an equivalent AI test.

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[00:36:50] Paolo Belcastro: I think that’s very likely, that it might have picked up on a paper, a research paper, or something like that. Now, is there a possibility that I am completely wrong, and these things have been sentient for a couple of years already, and they’re just telling us bit by bit? Yes. I don’t have a way of being 100% sure, but I would say I think that everything that, I think it’s, what is, Hanlon’s razor?

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[00:37:14] Nathan Wrigley: Oh, Occam’s razor.

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[00:37:16] Paolo Belcastro: Occam’s razor is that, the most simple explanation is very often the right one. And so I’d be tempted to still think they are tools. They use mathematics to figure out language, and so they are able to produce those answers that make a lot of sense.

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[00:37:31] Nathan Wrigley: But I guess the thing that’s interesting there is it’s so surprising. And it presents us with things which are well within its own capabilities, but they’re beyond the bounds of a typical human. So it seems like there’s something else going on. But it’s more plausible that it’s just a function of the data that’s been given. But because we can’t hold onto that much data, it seems like a god-like quality, but it’s not.

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[00:37:53] Paolo Belcastro: No. Yeah, and we have other examples of things like that, that we got used to over time. I mean. If you recall, you probably have seen, I mean, neither of us were alive back then, but we probably have seen the images. When the Lumiere brothers showed the first movie of the train arriving in the station, everybody ran away. It’s very similar. If you think today, like the quality of that black and white movie, how can you imagine that being realistic? But it is.

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I grew up with small TVs and black and white images, and it felt surreal. And now, of course when I look back at those things, I’m like, how is that even possible? You know, we talk about impossible things for humans, but I came here on a plane. I try to fly by myself, doesn’t work.

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[00:38:38] Nathan Wrigley: I never get over plane journeys. It’s always remarkable.

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[00:38:41] Paolo Belcastro: How incredible is that? And so, yeah, this one is new and so we have this moment of reaction. At the beginning you said something, or we going to talk about AI 1, 2, 3, 4, 5 years from now. I think AI is going to stay. I don’t think we’re going talk about AI as much, as we don’t talk about electricity as much.

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[00:39:01] Nathan Wrigley: Yeah, or the film, or the aeroplane.

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[00:39:03] Paolo Belcastro: It becomes part of the landscape. It’s there, but the novelty is we have all those images. On top of that, you were mentioning before that the, at the moment of the Agricultural Revolution, people weren’t scared about what was happening, because it didn’t happen overnight. I would also argue, they didn’t have a ton of movies and TV shows showing them a future with no farmers.

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We do have that, and so the moment we hear AI we’re like, oh my god, Sarah Connor, where is she? She has to save us. But these are movies.

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[00:39:34] Nathan Wrigley: That’s a really good point. So the fact that we’re in this 24/7, plugged in, media fed ecosystem, you know, where you just pull out your iPhone and you’ve got data coming in about the news. Yeah, that’s a good point. I hadn’t really thought about that. And so if you were the farmer in the, 1500’s, nobody was telling you, this is a concern, this tractor. So you’re not going to be concerned. Yeah, it’s a really good point.

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Do you trust AI with your code? Do you get it to generate code and find that it’s largely error free? I was saying to you before we hit record that, if you create an image with AI, and it’s slightly incorrect, it doesn’t really matter, because the fingers look strange, or the ear lobes look a bit weird, but we can forgive it.

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And in the same way that if we create text for our blog post, we can modify that, or we may be happy with it at the beginning, and just accept that it’s got a few errors in it, and we’ll publish it anyway. But with code, I think we could be introducing security problems, or just simple errors. How confident are you writing code with AI, and how much do you have to go back and check every line?

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[00:40:36] Paolo Belcastro: So this is a really good question. And I will use my specific context to answer it, because I haven’t been writing code that goes into production for a living since 1998. At Jetpack I am head of product, and I’ve been working with engineers for the last 26 years. So my code, I do still for fun, do stuff on my own, but is not critical at all. It’s little plugins that I’m the only user of. So it’s not really a concern for me.

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But what I would say is, this is an area where it’s really interesting. And that’s where the dimension of AI as a tool really is important. If you are a really good developer, you won’t have that problem because the AI is going to make you save time. It is going to make you move faster, but you’ll be able to recognise the problem in an instant. The same as if I am writing either blog posts for my blog, or if I’m writing internally at Automattic for our P2, you know, about Jetpack, about the blog, about any of the things I work on.

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I know the field I’m writing about. And so, if at some point in the process, and the back and forth I use AI for, it introduces something dumb, I see it instantly. My point basically, because it’s a tool, and it’s not sentient, and it’s not intelligent, use it to help you in area you have expertise. In the areas where you are an expert, you can use it to accelerate your work. In the areas you are just interested in, you can use it if it’s not critical work.

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But please don’t go near it in areas where you have no knowledge, and or critical. As an example, I would say, a surgeon using AI to go through papers faster might make sense, because they can spot the mistake. Me using AI to diagnose symptoms that I have, maybe I found a rash on my arm, and I’m going to ask AI, very bad idea.

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So I think in that scale, if you imagine that as a two by two matrix, am I the expert or am I a total newbie in this area? And then on the other axis, is this critical or is this completely safe? If we are on the safe side where there’s no consequences, it’s like a little plugin I’m writing for myself, or I’m asking AI about five things I could visit in Taipei, great. I can use it and just take the answer. Worst case scenario, it doesn’t work. If it’s critical, then I have to be the expert, and the AI is a tool that helps me be better at my job. But is not a tool that helps me do a job I’m not an expert of.

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[00:43:17] Nathan Wrigley: Yeah, that’s a good answer. So moving on, I’ve got a few more questions. We’ll try to be as quick as we can. The first question was, there seem to be a few companies which are dominating the AI space. So you’ve mentioned already Google, I think we could throw Open AI into that, and Anthropic, and there’s probably some more, but they’re the only three that come into my mind.

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Does that part of the jigsaw puzzle concern you? That we’re increasingly reliant on three or four, maybe there’s more five, six large language models. And I just wondered if, given that we’re WordPress and we love open source, if there’s a platform, a project, which is trying to do something, but more in the open. Even though it’s called Open AI, it doesn’t feel particularly open.

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[00:43:58] Paolo Belcastro: Yeah. So the interesting thing in the last year or so is that there has been a lot of movement on the open source side. It’s a bit ironic that the biggest advances on the open source side come from Meta, which is yet another very large company. But it doesn’t really matter because that’s the power of open source is that, once it’s in the open. So one thing with AI, and LLM’s, and open source is that it’s really important to understand what is actually open. Because an LLM, in terms of code, there isn’t like that much code.

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If I give you an LLM post-training, it’s great to have it, and to be able to read the code and everything, but you can’t really modify much on it. If I give you the training data, then it’s a lot more interesting, because then you can reproduce. Now, keep in mind I’m not at that level technically. I am very much out of my comfort zone. But so my point is that, what has happened is that the first few foray to open source, or kind of open, but only the tail end of it. And so, okay, you get a tool that you can use, but you can’t really modify it, or you can’t really understand how it works.

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And now there are versions that are open source from A to Z, including the dataset. Now, they’re not as big dataset, they’re not as powerful as the ones from the big names you mentioned. But what it appears is that it’s actually evolving very fast, because of course, being open source, once you put that in the hands of thousands of developers, in conjunction with the fact that we live at a time where computers can actually run that stuff locally. And so developers on a MacBook Pro, M3 can actually work, which wasn’t the case not that long ago. I think that this is going to catch up very fast.

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Now, I believe, frankly, that is going to resemble software, where you know, you have WordPress that is the leader, CMS, like 43% of the websites and everything. That doesn’t stop closed platforms from existing. The two systems are probably going to be side by side. What we see now, for the moment, but again, we are super early stage, is we’re still at a moment where the closed platforms are moving faster. Because the kind of means that Open AI, or Google, or Anthropic have, open source takes a bit of a longer time to set up.

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Like it’s very fragmented. A lot of people are doing different things. There isn’t like a strong coordination. And also they have then the infrastructure to run those models at scale, and to provide answer very quickly at a cheap price. I don’t expect them to be shadowed by open source anytime soon. But I do think that we have definitely hope that, going forward, we’ll have open solutions.

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[00:46:50] Nathan Wrigley: Yeah. It feels like that would be a nice outcome, if that did happen.

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[00:46:54] Paolo Belcastro: One thing that is also important is that, for example, today the approach of Open AI, and Google, and Anthropic is very monolithic. It’s saying, we have this gigantic thing that knows everything and can help you. Whereas the open source approach is, because we cannot run such large models locally on laptops, it’s more to focus on simpler agents, that are more specialised at given tasks. And that then more complex task would be a collection of simpler agents, maybe orchestrated by another simple one.

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So it’s interesting because we have seen the approach in the industry in general, right? You have monolithic industries that will build like a car. And every piece that goes in it, and every little part, they will have factories doing everything. And then you’ll have other type of industries where the same car is built by buying the tires here, the battery there, the engine there, the windshield there, and then assembling all that. And I think that both models can work. I don’t see a future where there’s going to be either only one, or only the other.

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[00:48:00] Nathan Wrigley: I think that’s good. That makes me feel better about it all, because it does feel that, at the moment, it’s all about Open AI, and they really are sort of dominating. I would like to think of a future where there are different alternatives.

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Okay, couple of questions. We’ll be very brief about these one, because I’ve used up lots of your time, but I’ve enjoyed it, I have to say.

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[00:48:18] Paolo Belcastro: No worries.

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[00:48:18] Nathan Wrigley: In your presentation, you make the point that AI offers you the possibility, and I’ll just quote here, AI removes all the tedious parts of our work so that we can hone our craft, and there’s more but that’ll do for now. I had this intuition when I read that, and I just thought, maybe tedium, tedious, boring is an important part of the human condition. And I don’t really have a question around that, but is life spoiled a little bit, if there’s no boredom anymore, if everything’s quick and rapid? From a business perspective, that’s a dumb question. But from a sort of psychological perspective, and just a human nature perspective, I wondered if you had any thoughts on that.

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[00:48:58] Paolo Belcastro: Yeah, I actually don’t think it’s a dumb question, even from a business perspective. I just listen to a little snippet from Rory Sutherland, who talks about, of course he’s in the advertising market, and he’s talking about using AI to remove all those steps and create a visual for a campaign, for example. And he was saying, we have to be careful, because in some of those jobs, the end result is not that important. It’s everything we learn along the way that is important. It’s the questions we ask to our users, to our vendors, to our sales people to get to that result that are really important.

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And I would say, I think that is very clear, that if we consider AI like a black box, in which I input an order, and I want a result on the other side, it’s not a good way to use it. It’s not progress. It’s not going to help us learn. So I go back to the example of me writing a blog post. If I tell the AI, write me a blog post about this subject. And even if I add, oh by the way, in Taipei, day one I did this, day two three, here’s five things I did, write me a blog post.

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The blog post at the other side is not going to be great. I won’t have learned anything. I won’t have grown in any way. But if I use AI as a partner to write this post, and so what I do often is start by writing a draft that is really raw, really stream of consciousness, as it comes. Then I go to the AI and I say, can you, out of this draft, create an outline, and highlight the main ideas I’m talking about?

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And that first step already allowed me to do something critical, which is that I have a natural tendency of holding too many ideas in my head, and then writing blog posts where I talk about too many things. And then I lose people, and then people don’t really know what it’s about. Or then there’s no conversation after with my readers, because there’s so many subjects they don’t know what to talk about.

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But by giving the AI the draft, and asking for an outline, and the main ideas, now I have much more clarity about what I was writing. So now I can reorganise this outline and I can say, actually, okay these go in that order, and these actually go in this order but out of this post, this is another post. So let’s move that aside.

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And so now I can go back to the AI, and have my simplified outline and I say, using my original draft, and using this modified outline, reorganise my original draft please, and write a new draft that fits this outline. And then I read that. And then I fix a lot of things. I correct, I remove any word that I wouldn’t use, and I put my way of speaking in it. But then I can go back to the AI and say, what is missing here? Am I missing an obvious point, or how am I wrong in this? And I sort of get the AI to challenge me a bit.

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This is one of the things I mentioned in my presentation is that, it’s not just about accelerating, it’s also that the AI provides us with a partner that can give us feedback about our content. There’s the basic grammar, typos, and things like that, but also feedback about the quality, the clarity. But also a challenging partner that doesn’t belong to our own intellectual bubble.

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Because when I ask feedback to my friends, I’m asking feedback to people that kind of think similar to me. I mean, we’re friends. What I’m saying basically is that, when I say removing the tedious part, I’m not saying shorten the path. It’s more about saying, remove the things I’ve done 20 times, 50 times, 1000 times in my life already, that don’t teach me anything anymore. And allow me to improve the quality, by challenging me, by giving me feedback, by doing those things that normally I wouldn’t have access to. Because, I mean, I’ve occasionally asked for feedback on a piece to friends or family, but I can do that once a year. I can’t bother people around me all the time like that.

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[00:52:54] Nathan Wrigley: Yeah, the AI is good, it doesn’t get bored.

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[00:52:56] Paolo Belcastro: I want to be very clear with that, that it’s not about shortening the journey itself, as much as it is increasing vastly the density of the enriching steps.

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[00:53:06] Nathan Wrigley: Yeah, you said, at some point towards the beginning of your answer, you encapsulated it as, something along the lines of, it should allow you to grow, you’ll grow from it. That seems to be a nice place to sort of round it off.

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So the idea of AI, if I’m getting you correct, is that it’s kind of a partnership. It’s not something you should use in isolation. It’s certainly not something that you should use if you don’t possess some capacity already, especially with code. And so use it as a partner. Enable it to speed things up. Enable it to teach you in the same way that you might go to the library and read a book. You’re going to learn something from it.

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So it’s not something to be feared, it’s something to be used. But it’s also, I guess this conversation is, be mindful. Don’t fall into those pitfalls. Don’t just use it blindly to create those articles that the audience is going to be zero, because it’s going to be so anodyne and uninteresting.

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That’s interesting. I was definitely more on the, not the terrified side, but the nervous side when we began this conversation. And you’ve definitely taken me off the ledge a little bit. So thank you so much, Paolo, for chatting to today. I really appreciate it.

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[00:54:14] Paolo Belcastro: Oh, it’s my pleasure. It was really nice to have a conversation with you and nice to meet you.

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On the podcast today we have Paolo Belcastro.

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Paolo works at Automattic, where he’s focused on Jetpack and .blog products. He’s been working remotely since 1994 and managing distributed teams since 1998.

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He’s on the podcast today to talk about AI, and he certainly brings a wealth of knowledge and experience in integrating AI with web development.

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Paolo provides detailed insights into how they’re making decisions about what to develop in Jetpack AI. This is to take it beyond simple tasks like typo corrections and grammar adjustments, to more sophisticated functions such as content translation, tone adjustments, and even complex text summarisation, all done directly within the WordPress editor. The focus isn’t just on the functionality AI brings, but also on the efficiencies it introduces for developers and content creators alike, allowing them to shift their focus from tedious tasks to more creative and challenging aspects of web development.

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We also tackle the broader implications of AI in the tech industry, discussing potential risks, the ongoing concern about AI’s impact on jobs, and the ethical considerations of AI in creative roles. We get into an exploration of the balance between AI’s utility and the indispensable value of the human touch in crafting meaningful digital experiences.

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With Paolo’s insights into the recent advancements in open source AI models and the collaborative efforts within the AI community to keep platforms accessible but innovative, you’ll gain a comprehensive view of where AI in web development stands today and where it might head tomorrow.

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If you’re a developer, a tech enthusiast, or anyone interested in the intersection of AI and creative processes, this episode is for you.

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Useful links

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Automattic

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WordPress.com

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Jetpack

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WooCommerce

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Jetpack AI

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Paolo’s presentation at WordCamp Asia 2024

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ChatGPT

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Gemini

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Jetpack Forms

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Logo Creator

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Claude 3

\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 08 May 2024 14:00:00 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Nathan Wrigley\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:15;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:55:\"WordPress.org blog: WordPress 6.5.3 Maintenance Release\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:35:\"https://wordpress.org/news/?p=17246\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:71:\"https://wordpress.org/news/2024/05/wordpress-6-5-3-maintenance-release/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:7633:\"

WordPress 6.5.3 is now available!

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This minor release features 12 bug fixes in Core and 9 bug fixes for the block editor. You can review a summary of the maintenance updates in this release by reading the Release Candidate announcement.

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WordPress 6.5.3 is a short-cycle release. The next major release will be version 6.6 planned for July 2024.

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If you have sites that support automatic background updates, the update process will begin automatically.

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You can download WordPress 6.5.3 from WordPress.org, or visit your WordPress Dashboard, click “Updates”, and then click “Update Now”.

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For more information on this release, please visit the HelpHub site.

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Thank you to these WordPress contributors

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This release was led by Aaron Jorbin and Grant M. Kinney.

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WordPress 6.5.3 would not have been possible without the contributions of the following people. Their asynchronous coordination to deliver maintenance fixes into a stable release is a testament to the power and capability of the WordPress community.

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Aaron Jorbin, Adam Silverstein, adrianduffell, Aki Hamano, Alan Fuller, Anders Norén, André, Andrea Fercia, Andrew Ozz, Andrew Serong, Andy Fragen, annezazu, Arun Sharma, Aslam Doctor, Ben Keith, Ben Ritner – Kadence WP, bernhard-reiter, Brian Alexander, Carolina Nymark, Colin Stewart, CookiesForDevo, Damon Cook, Daniel Richards, darerodz, Dave Page, David Baumwald, David Levine, Drew Jaynes, Ella, Erik, evanltd, Felix Arntz, George Mamadashvili, Grant M. Kinney, Greg Ziółkowski, Isabel Brison, James Huff, Jason Adams, Jb Audras, Jeffrey Paul, Jeremy Herve, Jessica Lyschik, Joe Dolson, Joe McGill, jordesign, Jorge Costa, Joshua Goode, Kai Hao, Kevin Hoffman, Khokan Sardar, luisherranz, Matias Benedetto, Matt Cromwell, Md Sahadat Husain, Mukesh Panchal, Narendra Sishodiya, Nik Tsekouras, Pascal Birchler, Peter Wilson, ramonopoly, Roy Tanck, Sal Ferrarello, Sarah Norris, Sergey Biryukov, Stephen Bernhardt, Steve Jones, Tom Cafferkey, WilliamG, Yannis Guyon

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How to contribute

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To get involved in WordPress core development, head over to Trac, pick a ticket, and join the conversation in the #core and #6-6-release-leads channels. Need help? Check out the Core Contributor Handbook.

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Thanks to @grantmkin, @angelasjin, and @jeffpaul for proofreading.

\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 07 May 2024 16:42:58 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:12:\"Aaron Jorbin\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:16;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:22:\"Matt: Mouth Biohacking\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:23:\"https://ma.tt/?p=114162\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:39:\"https://ma.tt/2024/05/mouth-biohacking/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:1698:\"

I’m not one to shy away from random things I find on the internet, so when I came across the Scott Alexander article on a discovery in the 80s about people who don’t get cavities, my first thought was “how far is Honduras from Houston?”

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So on February 28th, my friend Rene and I became the 50th and 51st people to get our normal mouth bacteria scrubbed away and hopefully replaced by a genetically modified strain of Streptococcus mutans that doesn’t turn sugar into lactic acid. A nice sabbatical jaunt.

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In the 9 weeks since, no teeth have fallen out, I haven’t gotten any cavities, really the only noticeable change is that I seem to have less bad morning breath, though I still wholeheartedly recommend SmartMouth mouthwash and travel packets.

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The company is working on making it more widely available without travel to another country, and if that works it will be interesting to see how long this takes to spread. Will it be adopted quickly or be like the lemon juice cure for scurvy that took 42 years to become policy? In the meantime, the weather in Roatán is warm!

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If you’d like to learn more Cremiux Recueil also has a pretty good deep-dive.

\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 07 May 2024 13:49:32 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:4:\"Matt\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:17;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:86:\"Do The Woo Community: eCommerce, SEO and Agency Life with Justin Sainton and Alex Moss\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:28:\"https://dothewoo.io/?p=83387\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:85:\"https://dothewoo.io/ecommerce-seo-and-agency-life-with-justin-sainton-and-alex-mills/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:134:\"This episode features Justin Sainton and Alex Moss discussing career paths, AI impact, e-commerce evolution, and future tech projects.\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 07 May 2024 13:33:23 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:5:\"BobWP\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:18;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:79:\"Do The Woo Community: The Marketer’s Guide to WooCommerce with Paul Halfpenny\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:28:\"https://dothewoo.io/?p=83363\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:73:\"https://dothewoo.io/a-marketers-guide-to-woocommerce-with-paul-halfpenny/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:152:\"Katie and Paul have a conversation about marketing a WooCommerce site, touching on optimization, marketing strategies, and the power of personalization.\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Mon, 06 May 2024 12:59:51 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:5:\"BobWP\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:19;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:90:\"Gutenberg Times: Seven talks about blocks, block themes and beyond at WordCamp Europe 2024\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:35:\"https://gutenbergtimes.com/?p=28259\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:100:\"https://gutenbergtimes.com/seven-talks-about-blocks-block-themes-and-beyond-at-wordcamp-europe-2024/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:9845:\"

Every WordCamp Europe also comes with a Live Stream on YouTube so people who can’t make it still get to experience the talks. Here is a list of block related talks and workshops and when they are scheduled.

\n\n\n\n

Once the WordCamp Europe ended, this page will be updated with the links to the recording, and if available to the slide decks.

\n\n\n\n
\n\"🗓️\"
\n\n\n

Making plans to be at WordCamp Europe in Torino? I would love to meet you and chat! Please share Your calendar link via X (formerly known as Twitter) DM or private message on WP Slack . My calendar is public. Just grab a day/time slot if that works better for you.

\n
\n\n\n\n
\n
Live Stream
\n\n\n\n
Click here for the full schedule
\n
\n\n\n\n
\n\n\n\n

Interactivity API: the new standard way to build modern WordPress frontends with Michał Czapliński

\n\n\n\n

The Interactivity API is designed to seamlessly integrate with the existing block editor and aims to become the standard way to build interactive web experiences with WordPress. Attendees will gain insights into how this API simplifies creating interactive blocks like carts, checkouts, forms, or galleries. We will explore the API’s surface, demonstrating its ease of use and compatibility with existing WordPress standards. Practical examples will illustrate how developers can leverage this API to bring their creative visions to life, enhancing user engagement and website functionality.

\n\n\n\n

June 14 - 8:15 UTC Track 2

\n\n\n\n
\n\n\n\n

Twenty Twenty-Four: Pushing Default Themes Forward
with Jessica Lyschik

\n\n\n\n

As the Default Theme Lead, Jessica Lyschik will take the audience behind the scenes, sharing the vision that sets Twenty Twenty-Four apart from its predecessors. She will explore the evolution of default themes and how Twenty Twenty-Four is poised to make a significant impact, showcasing how different audiences can use the theme.

\n\n\n\n

June 14 - 9:15 UTC - Track 1

\n\n\n\n
\n\n\n\n

Legacy to Block: an in-depth look at migrating a legacy website to Gutenberg with Erika Gili and Luis Rosales

\n\n\n\n

A reflective journey of a successful migration, from a legacy Content Management System (CMS) to WordPress, enhanced by Gutenberg and custom blocks. Speakers will unveil the different approaches they considered, shedding light on the diverse strategies that seamlessly transitioned from the old to the new. You learn about the challenges and the decisions they had to embrace of such a complex project

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June 14 - 12:15 UTC - Track 2

\n\n\n\n
\n\n\n\n

Block Hooks: A New API to Extend Block Themes
with Bernie Reiter

\n\n\n\n

Ever miss Classic Themes and their hooks and filters when it comes to injecting layout elements and functionality into a Block Theme? In this session, Bernie Reiter will teach you how to use the new Block Hooks API (first introduced in WordPress 6.4) to inject a dynamic block into a position of your choosing within a Block Theme!

\n\n\n\n

June 14 - 13:45 UTC - Track 2

\n\n\n\n
\n\n\n\n

Gutenberg Speed Build Challenge: A Web Design Duel!
with Jamie Marsland

\n\n\n\n

In the Speed Build Challenge, participants have 30 minutes to recreate a famous website, using only the WordPress Block Editor. The challenge tests quick adaptation, creativity, and skill under time pressure, with the website to be recreated revealed only at the start!

\n\n\n\n

June 14 - 15:00 UTC - Track 3

\n\n\n\n
\n\n\n\n

Mastering WordPress Block Themes: 3 Key Principles for Beginners
with Jamie Marsland

\n\n\n\n

In this beginner-friendly session, dive into the world of WordPress block themes. Learn to utilize Theme Blocks for enhanced customization, understand the advantages over classic themes, and master Styles for a unique website aesthetic. Ideal for those new to WordPress, this talk empowers you with essential tools to create professional and dynamic websites with ease.

\n\n\n\n

June 15 - 8:15 UTC - Track 1

\n\n\n\n
\n\n\n\n

Building custom post types with blocks
with Magdalena Paciorek

\n\n\n\n

In this session, you will learn how to create bespoke WordPress websites that make use of custom post types directly in the site editor.

\n\n\n\n

Magdalena Paciorek will show how to build templates with blocks and examine different ways to extend the editor, including the use of block filters, block formats, custom block styles, block patterns, inner blocks, block locking, interactivity API, building our own blocks, and more.

\n\n\n\n

June 15 - 9:15 UTC - Track 2

\n\n\n\n

Bonus event

\n\n\n\n

WordPress Project Summer Update
with Matt Mullenweg

\n\n\n\n


Join WordPress co-founder and Project leader Matt Mullenweg in a review of 2024 accomplishments in the project, showcasing user-centric innovations and the latest features, followed by a live Q&A.

\n\n\n\n

June 15 - 14:30 UTC - Track 1,2,3

\n\n\n\n

Other talks of interest

\n\n\n\n

While in Torino, I won’t get to all the talks, but I definitely will follow up on a few talks when I get back home. So this is a list of my anticipated backlog.

\n\n\n\n\n\n\n\n
\n\"🗓️\"
\n\n\n

Making plans to be at WordCamp Europe in Torino? I would love to meet you and chat! Please share Your calendar link via X (formerly known as Twitter) DM or private message on WP Slack . My calendar is public. Just grab a day/time slot if that works better for you.

\n
\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Mon, 06 May 2024 03:47:00 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:18:\"Birgit Pauli-Haack\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:20;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:84:\"Gravatar: Understanding and Choosing Among Various Types of Authentication Protocols\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:32:\"http://blog.gravatar.com/?p=1370\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:62:\"https://blog.gravatar.com/2024/05/04/authentication-protocols/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:24471:\"

Are you feeling lost among all the types of authentication protocols and struggling to understand the difference between them? 

\n\n\n\n

It’s certainly a lot to wrap your head around, which is why we’ve created this in-depth guide. Here, you’ll learn all authentication protocols, their main functionalities, and how they can impact your business. 

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By the end, you’ll know how to choose the best protocol for your specific use case.

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What are authentication protocols, and why do they matter?

\n\n\n\n

Authentication protocols are network security rules determining how individuals or systems verify their identities during online communications. They are like online bouncers, checking IDs before letting anyone in. 

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These protocols are the first defense against unauthorized access, ensuring that sensitive information doesn’t fall into the wrong hands. This can prevent data breaches, substantial financial losses, and reputation damage.

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From traditional password-based methods to cutting-edge biometric verification, authentication protocols follow three main steps: 

\n\n\n\n
    \n
  1. Identification, where the user claims an identity.
    2. \n\n\n\n
  2. Authentication, where they prove their identity.
    3. \n\n\n\n
  3. Authorization, where they get access to resources.
    4. \n
\n\n\n\n

Encryption and decryption are at the heart of these protocols, maintaining the confidentiality and integrity of the data being exchanged. Even if the data is intercepted, it remains unintelligible without the correct cryptographic key that unlocks its encryption.

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Exploring the most popular authentication protocols

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WebAuthn

\n\n\n\n\"WebAuthn\n\n\n\n

WebAuthn, short for Web Authentication, is a browser-based Application Programming Interface (API) that works with biometric information. This means that it uses data like fingerprints and facial recognition or physical security keys instead of traditional passwords, which can be forgotten or stolen. 

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Use cases

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WebAuthn is adopted by major web browsers and a growing list of online platforms, allowing them to streamline the login process with a simple fingerprint scan and an extra layer of security through two-factor authentication. These include online banking, social media platforms, and companies that want to secure employee access to internal systems and applications. 

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Pros and cons

\n\n\n\n
ProsCons
It eradicates the need for passwords, eliminating the risk of phishing and other password-based attacks.Transitioning to passwordless authentication requires user education and acceptance.
Offers a personalized, secure login via biometrics or secure hardware tokens, adding layers of security.Ensuring smooth operation across all platforms and browsers demands ongoing vigilance.
Simplifies authentication, making secure access effortless for users across the globe.The effectiveness of WebAuthn relies on careful integration to keep the device and biometric data safe.
\n\n\n\n

Kerberos

\n\n\n\n\"Kerberos\n\n\n\n

Kerberos is a network authentication protocol developed in the 1980s by MIT as part of Project Athena to secure network communications across an untrusted network. 

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With a unique ticketing system, Kerbos enables users to access network services only when they receive tickets from a Kerberos Key Distribution Center (KDC). These tickets prove the user’s identity without sending passwords over the network. 

\n\n\n\n

A vital component is the Ticket-Granting Ticket (TGT), obtained upon initial authentication, which is then used to request other tickets for specific services, streamlining secure access without repeated logins.

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Use cases

\n\n\n\n

Kerberos is widely used in corporate environments, schools, and universities to secure access to networked services. Common use cases include accessing file shares, email servers, and database management systems within a secure corporate network and student information systems. 

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It’s also the default authentication protocol for Microsoft Active Directory (AD). When a user logs into their Windows domain, AD issues a TGT from its key distribution center. This TGT is then used to obtain service tickets for accessing various network resources within the domain.

\n\n\n\n

Pros and cons

\n\n\n\n
ProsCons
Simplifies the user experience by requiring only one set of credentials – Single Sign-On (SSO), to access multiple services.Implementing and maintaining a Kerberos system can be complex, requiring specialized knowledge.
Using strong encryption and temporary tickets, Kerberos minimizes the risk of password interception and replay attacks.Kerberos requires precise time synchronization between all the devices in the network, which can be challenging to maintain.
Kerberos is designed to support large, complex networks, making it suitable for organizations of all sizes.Kerberos is most effective within a controlled network environment, and extending its protection to external services or users can be complicated.
\n\n\n\n

LDAP

\n\n\n\n\"\"\n\n\n\n

How LDAP works

\n\n\n\n

Lightweight Directory Access Protocol (LDAP) is an open, vendor-neutral, industry-standard application protocol used for querying and modifying items in directory service providers over an Internet Protocol (IP) network. It’s designed to work on a client-server model, where the client makes requests to the directory server, which then responds to those requests.

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Use cases 

\n\n\n\n

LDAP is extensively used in Single Sign-On (SSO) systems, where it allows users to access multiple applications or services with a single set of credentials, improving the user experience and administrative efficiency. 

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It’s also foundational in creating and managing digital directories, including those for managing user information, such as names, passwords, and email addresses, across an organization.

\n\n\n\n

Pros and cons

\n\n\n\n
ProsCons
LDAP is optimized for high performance, making it fast to search and access directory information.While LDAP supports security mechanisms, its inherent security is considered weaker than some newer protocols, making it more susceptible to attacks like man-in-the-middle (MitM).
It can scale to accommodate many entries and supports a wide range of data formats, making it adaptable to various organizational needs.Setting up and managing LDAP can be complex, requiring specific expertise, especially in configuring it to use stronger security measures effectively.
LDAP’s support for diverse data formats and structures allows it to integrate with a multitude of applications and systems, enhancing its utility.
\n\n\n\n

OAuth

\n\n\n\n\"\"\n\n\n\n

OAuth is an authorization protocol that enables external applications to request access to private details in a user’s account without needing the user’s password. It acts as an intermediary, granting tokens to third-party services to access specific account information with the user’s consent, thus maintaining security and privacy.

\n\n\n\n

Use cases

\n\n\n\n

OAuth is widely utilized across various social media platforms to allow seamless content sharing and user verification. For instance, when a website or app allows you to log in using your Google or Facebook account, OAuth is at work. 

\n\n\n\n

It simplifies the login process for users across websites and applications, enhancing the user experience by connecting different online services in a secure manner.

\n\n\n\n

Pros and cons

\n\n\n\n
ProsCons
Users can grant limited access to their private information without exposing their passwords, maintaining control over what external applications can see and do with their data.Despite its security benefits, OAuth can be susceptible to phishing attacks, where malicious actors trick users into granting access to their accounts.
OAuth allows for detailed control over the levels of access external apps have, enabling users to specify which data can be accessed and for how long.Managing the lifetime and refresh of tokens can be challenging, as insecure handling or leaks can lead to unauthorized access.
For developers, OAuth simplifies integrating with third-party services, offering a standardized protocol for authorization.
\n\n\n\n

SAML

\n\n\n\n\"SAML\n\n\n\n

Security Assertion Markup Language (SAML) is an open standard for exchanging authentication and authorization credentials between an Identity Provider (IdP) and a Service Provider (SP). It enables secure, cross-domain SSO, allowing users to access multiple services with a single set of credentials to streamline the authentication process across different platforms and applications.

\n\n\n\n

Use cases

\n\n\n\n

SAML is predominantly applied in the enterprise sector, facilitating SSO for various applications. It’s particularly beneficial for organizations with numerous cloud services and internal applications, as it simplifies the login process for employees, reducing the need for multiple passwords and enhancing productivity. 

\n\n\n\n

For instance, SAML is extensively utilized in institutions using Google Workspace or Microsoft 365, enabling users to log in to various applications and services with a single set of credentials.

\n\n\n\n

Pros and cons

\n\n\n\n
ProsCons
SAML enables a smooth and secure user experience by allowing access to multiple services with a single authentication process.Setup can be complex, requiring significant effort in configuration and maintenance, especially when integrating multiple services.
It supports advanced security features and complies with strict regulatory standards, ensuring sensitive data is securely shared across different services.Since SAML centralizes the authentication process, it can become a single point of failure, where issues with the identity provider can affect access to all connected services.
As an open standard, SAML ensures compatibility and interoperability between different systems and applications, facilitating easy integration and adoption.Although SAML enhances security, poorly implemented SAML assertions can be exploited, leading to unauthorized access and other security vulnerabilities.
\n\n\n\n

RADIUS

\n\n\n\n\"RADIUS\n\n\n\n

Remote Authentication Dial-In User Service (RADIUS) is a networking protocol that provides centralized Authentication, Authorization, and Accounting (AAA) management for users connecting to and using a network service. 

\n\n\n\n

It centralizes access to various network resources, streamlining the process of managing user credentials and access rights across a wide range of network devices and services.

\n\n\n\n

Use cases

\n\n\n\n

RADIUS is extensively used by Internet Service Providers (ISPs) and enterprises to manage access to network resources such as VPNs, network switches, and wireless access points. It allows for the management of user credentials, permissions, and tracking of user activity, making it essential for organizations that require secure and efficient access control.

\n\n\n\n

Pros and cons

\n\n\n\n
ProsCons
RADIUS is supported by a wide variety of network hardware and software vendors, ensuring flexibility and ease of integration in diverse IT environments.While RADIUS can serve small to medium-sized deployments efficiently, it may face scalability issues in larger, more dynamic environments.
Its well-established protocol makes onboarding straightforward, allowing organizations to quickly set up and manage access controls without extensive customization.Although user passwords are transmitted in an encrypted form, the lack of hashing or salting can pose a security risk, making passwords more vulnerable to certain types of attacks if the encrypted data is intercepted.
\n\n\n\n

Exploring less common authentication protocols

\n\n\n\n

CHAP

\n\n\n\n\"Challenge-Handshake\n\n\n\n

Challenge-Handshake Authentication Protocol (CHAP) is a network security protocol that uses a challenge-handshake mechanism to authenticate a user or network entity. Its primary purpose is to securely establish a connection without transmitting the actual password over the network. 

\n\n\n\n

It operates in three phases: link establishment, authentication, and network connection. This ensures secure data exchange by periodically verifying the identity of the client using a three-way handshake method. 

\n\n\n\n

Commonly used in ISP settings, Point-To-Point (PPP) connections, and remote server access, CHAP provides a layer of security by preventing unauthorized access.

\n\n\n\n

EAP

\n\n\n\n\"Extensible\n\n\n\n

Extensible Authentication Protocol (EAP) serves as a versatile framework supporting multiple authentication methods, making it adaptable to various network requirements. It is primarily utilized in wireless networks and point-to-point connections. 

\n\n\n\n

EAP functions by providing a standard mechanism for authentication, offering a range of methods such as EAP-TLS (Transport Layer Security), EAP-TTLS (Tunneled Transport Layer Security), and PEAP (Protected EAP), among others. 

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These methods cater to different security needs, showcasing EAP’s flexibility in authenticating network access.

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PAP

\n\n\n\n\"Password\n\n\n\n

Password Authentication Protocol (PAP) is one of the simplest forms of network security authentication mechanisms, and it operates by exchanging plain-text passwords across the network.

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Because this method is inherently less secure, PAP is generally used as a “last resort”, particularly in environments where other, more secure methods are not available or feasible. When other options are available, PAP is typically bypassed due to its vulnerability to eavesdropping attacks. 

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TACACS

\n\n\n\n\"Terminal\n\n\n\n

Terminal Access Controller Access Control System (TACACS) is used for verifying users on a network, particularly in environments requiring centralized control over authentication and authorization services.

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It creates a secure dialogue between a client and an authentication server, employing a more sophisticated authentication mechanism than simpler protocols. It also allows for granular control over user permissions and the flexibility to support various authentication methods. 

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Despite its strengths, the TACACS’s complexity and the need for specialized knowledge for implementation are considered drawbacks.

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Choosing the right authentication protocol: A use case approach

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Selecting the optimal authentication protocol is crucial for enhancing a system’s performance, its security, and a smooth integration process. The decision on which authentication protocol to use can be influenced by several factors:

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Use case examples:

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In certain contexts, a lesser-used protocol could be more effective. For instance, CHAP might be chosen over OAuth for its utility in point-to-point connection settings where third-party app integration isn’t a priority, but periodic authentication checks are essential.

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Sometimes, you have to use multiple protocols to meet all the security and functionality needs of a system effectively. This flexibility will make sure that as your business grows or technology advances, the authentication mechanisms can grow and evolve with it, maintaining security and performance without compromising on user experience or system integrity.

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Pairing your authentication protocol with Gravatar for a complete digital identity management solution

\n\n\n\n\"Gravatar\n\n\n\n

So far, we’ve looked at the various authentication protocols available to help you choose the right one, whether it’s for your website, web app, internal login portal for your business, or any other use case. This plays a huge role in a streamlined and secure digital identity management setup, but there’s more you can do. 

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Enter Gravatar, a tool that significantly simplifies the user management process for various digital platforms, including websites, blogs, eCommerce sites, and applications. By offering a universal and unique user identification system, Gravatar allows for effortless integration across multiple platforms, streamlining the validation processes for entities of all kinds.

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To break this down, Gravatar lets users create a universal profile linked to their email address. By integrating Gravatar to your website or web app via Gravatar’s API, when a user with a Gravatar profile signs up to your website, you can automatically pull their data for a streamlined profile creation process. 

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This not only simplifies profile management but also enriches the user experience, as individuals can carry their digital identity – via a consistent profile image and information – across the web.

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Integrating Gravatar offers the added advantage of a secure and personalized signup process. By leveraging Gravatar, developers can eliminate the complexities associated with managing profile image storage and retrieval, ensuring a more streamlined and efficient system. Users benefit from a trustworthy and straightforward identification system that respects their privacy and simplifies online interactions.

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Build a digital identity management system your users deserve

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There are so many different authentication protocols that it can make anyone’s head hurt. Hopefully, we’ve made it easier for you to see their differences and recognize their unique strengths and weaknesses. 

\n\n\n\n

The great thing about these protocols is that they don’t have to be a one-man army – you can combine them to get the most secure and user-friendly experience possible. 

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Whatever approach you take, Gravatar’s approach to identity management makes it a very unique and valuable complementary system for authentication, ideal for all kinds of websites and apps. Its ability to provide a universal identification system simplifies user management and improves the user experience and data privacy. 

\n\n\n\n

So why wait?

\n\n\n\n

Explore Gravatar further to understand how it can meet your digital identity management needs and provide the seamless, secure user experience your users deserve!

\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Sat, 04 May 2024 22:43:23 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:11:\"Ronnie Burt\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:21;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:120:\"Gutenberg Times: WordPress 6.6 Roadmap + demos, what’s next for Meta boxes, Pattern tutorials — Weekend Edition 293\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:35:\"https://gutenbergtimes.com/?p=28364\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:119:\"https://gutenbergtimes.com/wordpress-6-6-roadmap-demos-whats-next-for-meta-boxes-pattern-tutorials-weekend-edition-293/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:24456:\"

Howdy,

\n\n\n\n

Well, this week there has been plenty of information about what WordPress 6.6 might bring. It’s scheduled to be released in mid-July and will be fully packed with awesome features. The designer tools set for nocode site builders gets massively bigger with Pattern overrides, Grid Layout. Section Styles and Block Style variations.

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There are four more weeks left before Beta 1 is released, and most features will be settled by then. There will be parts that might not make it into the version after all. The last Gutenberg version will be 18.5 for features and three or four more with bug fixes.

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Brace yourself, I felt overwhelmed putting the lists together and might have overused the list block in this newsletter. I am trying to come up with a better way to curate the information for you and if you have ideas how to better keep you updated, please let me know.

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Wishing you an wonderful weekend!

\n\n\n\n

Yours, 💕
Birgit

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\n

Table of Contents

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  1. Developing Gutenberg and WordPress
  2. Plugins, Themes, and Tools for #nocode site builders and owners
  3. Theme Development for Full Site Editing and Blocks
  4. Building Blocks and Tools for the Block editor.
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Developing Gutenberg and WordPress

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The recording of last week’s Hallway Hangout on what’s next in Gutenberg is now available. In their summary post, Anne McCarthy also included shorter videos for each feature demonstrated so you wouldn’t have to watch all of 80 minutes of video to learn about the various new features. The covered:

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These demos go hand in hand with Anne McCarthy’s WordPress 6.6 Roadmap post on the Make Blog. The post covers all the features slated for the next WordPress release, scheduled for July 16, 2024.

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In the post, McCarthy shared the links to “Iteration” or tracking issues on GitHub for each main feature. I bookmarked those, so I can keep track on the progress throughout the release cycle. The List below is incomplete, and your interests might be different from mine, so use at your own risk, missing out. Here is my list:

\n\n\n\n\n\n\n\n\"\"Screenshot: Advancing the new Data Views in the Site Editor, shared in Roadmap to 6.6\n\n\n\n
\n\"🗓️\"
\n\n\n

Making plans to be at WordCamp Europe in Torino? I would love to meet you and chat! Please share Your calendar link via X (formerly known as Twitter) DM or private message on WP Slack . My calendar is public. Just grab a day/time slot if that works better for you.

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Joen Asmussen shared in his Design Share #54 (Apr 8-Apr 26) the work of the WordPress Design team. Some of it is the design equivalent work on the WordPress 6.6 Roadmap items. Here is the full list the post covers:

\n\n\n\n\n\n\n\n\"screenshotScreenshot of Stylebook updates, shared on Make/Design blog\n\n\n\n
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First-time Gutenberg plugin release lead, Damon Cook published What’s new in Gutenberg 18.2? (24 April) and highlighted the following enhancements:

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\n\n\n\n

Sarah Norris and I discussed WordPress 6.6 and 6.5.3, Gutenberg 18.1 + 18.2 and Create Block Theme Updates this week’s Gutenberg changelog episode. Listen in and learn all about the latest features with the Create Block Theme updates and Gutenberg plugin updates.

\n\n\n\n\"SarahRecording the Gutenberg Changelog 99\n\n\n\n

🎙️ Latest episode: Gutenberg Changelog #99 – WordPress 6.6 + 6.5.3, Gutenberg 18.1 + 18.2, and Create Block Theme Updates with special guest Sarah Norris

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Plugins, Themes, and Tools for #nocode site builders and owners

\n\n\n
\n\n \n
\n \n \n
\n
\n
\n
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\n
Exploring the latest version of the Create Block Theme plugin
The Create Block Theme plugin was created to streamline block theme development by adding to the power of the Site Editor with theme-specific goodies and workflows. The plugin aims…
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Jamie Marsland shows off the synced Pattern overrides and renamed them “Components”\n\n\n\n
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If you are not at all familiar with WordPress patterns are and how to use them, Wes Theron, instructional designer on the Learn.WordPress team, created a three-part tutorial for you:

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More tutorials from the Learn.WordPress team are available via the YouTube playlist

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Kyra Pieterse announced Pattern and Icons updates for MaxiBlocks: 14,000 free WordPress icons and 20 new story mix block patterns. “The additions range from minimalist layouts to dynamic text and image combinations, providing professional designs for diverse website requirements.” she wrote.

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In the the 49th episode of the WPMinute podcast, The WordPress Theme Market is Heating Up, Matt Medeiros interviewed Rafal Tomal, co-creator of the new Rockbase WordPress theme. Tomal, a renowned designer in the WordPress community, discusses his journey from working at Copyblogger and StudioPress to founding his agency and eventually creating Rockbase with his partner, Chris Hufnagel.

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Ryan Welcher announced the release of a new version of this Advanced Query Loop Block 2.2.3 that adds the ability to manually curate a list of posts to display. With the plugin’s Query Loop block variation a user can create complicated queries, such number of posts to display and post meta, combine multiple post types, filter for items before a date, after a date or between two dates or expand the sort order by more criteria.

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In his tutorial Bringing some structure into the theme: The Sidebar, Bernhard Kau walks you through the steps, he used to add a sidebar to his theme all in the site editor and without code. It’s part of a series on working with Block themes. Previous posts are available by following the FSE tag.

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Wes Theron takes you on a step-by-step tutorial Designing with row and stack blocks. Using the Group block is one of the cornerstones of mastering the WordPress block editor. When you select a Group block, you have variations, the standard group, rows, stacks, and grids.

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Theme Development for Full Site Editing and Blocks

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The WordPress Theme handbook received a whole new chapter about Patterns. You learn all you need to know about how to register pattern, using PHP, create Starter Patterns and how to lock patterns. Here are the subchapters in detail:

\n\n\n\n\n\n\n\n\"\"\n\n\n\n

 “Keeping up with Gutenberg – Index 2024” 
A chronological list of the WordPress Make Blog posts from various teams involved in Gutenberg development: Design, Theme Review Team, Core Editor, Core JS, Core CSS, Test, and Meta team from Jan. 2024 on. Updated by yours truly. The previous years are also available: 2020 | 2021 | 2022 | 2023

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Building Blocks and Tools for the Block editor.

\n\n\n\n\n\n
\n
\n
In the latest Developer Hours, Justin Tadlock and Nick Diego discussed how the Block Bindings API fits into the bigger picture of the block system and how you can combine it with existing features, laying the groundwork for much more advanced and dynamic site builds.\n\n\n\n

Need a plugin .zip from Gutenberg’s master branch?
Gutenberg Times provides daily build for testing and review.

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Now also available via WordPress Playground. There is no need for a test site locally or on a server. Have you been using it? Email me with your experience

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\"GitHub

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Join Ryan Welcher and Nick Diego for the next Developer Hours: Alternatives to Custom Meta Boxes in the Block Editor on Tuesday, May 14, 2024, at 15:00 UTC / 9 am EDT

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You can watch all Developer Hours you missed via the playlist on YouTube

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On Twitch, Ryan Welcher took his audience on a journey on how to build an interactive to-do app for WordPress.

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More Interactivity API Resources

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Questions? Suggestions? Ideas?
Don’t hesitate to send them via email or
send me a message on WordPress Slack or Twitter @bph.

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\n\n\n\n

For questions to be answered on the Gutenberg Changelog,
send them to changelog@gutenbergtimes.com

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\n\n\n\n

\n\n\n\n

Don’t want to miss the next Weekend Edition?

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We hate spam, too, and won’t give your email address to anyone
except Mailchimp to send out our Weekend Edition

Thanks for subscribing.
\n\n\n
\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Sat, 04 May 2024 15:15:28 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:18:\"Birgit Pauli-Haack\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:22;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:121:\"Gutenberg Times: Gutenberg Changelog #99 – WordPress 6.6 + 6.5.3, Gutenberg 18.1 + 18.2, and Create Block Theme Updates\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:53:\"https://gutenbergtimes.com/?post_type=podcast&p=28444\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:99:\"https://gutenbergtimes.com/podcast/gutenberg-changelog-99-wordpress-6-6-create-block-theme-updates/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:67443:\"

In this episode, Sarah Norris and Birgit Pauli-Haack discuss WordPress 6.6 and 6.5.3, Gutenberg 18.1 + 18.2 and Create Block Theme Updates

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Show Notes / Transcript

\n\n\n\n\n\n\n\n

Show Notes

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Special Guest: Sarah Norris

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JavaScript Developer 6.4 editor tech co-lead / Core team rep

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Announcements

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Create Block Theme plugin

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WordPress

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WordPress 6.5.3 RC1 is now available

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Gutenberg

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Interactivity API Resources:

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What’s discussed:

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Summary of Hallway Hangout on what’s next in Gutenberg

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Roadmap to 6.6

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Stay in Touch

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Transcript

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Birgit Pauli-Haack: Hello, and welcome to our 99th episode of the Gutenberg Changelog podcast. In today’s episode, we will talk about WordPress 6.6, WordPress 6.5.3, Gutenberg 18.1 and 18.2, and the create block theme updates. I’m your host, Birgit Pauli-Haack, curator at the Gutenberg Times and full-time core contributor to the WordPress Open Source project, sponsored by Automattic’s Five for the Future program. I’m so happy that Sarah Norris joins us again today. Some of you already know her as she has been a guest on the show before. Sarah is a core contributor on the Gutenberg project, also sponsored by Automattic, and this year’s core team rep, together with Joe McGill. Sarah, how are you today?

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Sarah Norris: I’m good, thank you. Yeah, I’m doing really well. I’m celebrating a few recent releases at the moment. We got the font library has just come out in 6.5. I was working closely with some of the other contributors to that. Then we’ve also got a brand-new revamped Create Block Theme plugin, a few releases, we’re probably going to talk about them. Also, celebrating a couple of releases there as well. I’m also looking forward to this year’s WordCamp Europe. Really looking forward to some of the talks. We’ve got talks about playground, the interactivity API. There’s quite a few talks about block themes as well, so I’m really looking forward to all of that.

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Birgit Pauli-Haack: WordCamp Europe has quite a great schedule, and if you haven’t checked it out, dear listeners, do so now because it also will be live-streamed. If you are interested in Block Editor and you’re listening, so I am assuming you are, you will see quite a few great talks. As Sarah said, playground, interactivity, API. It’s also HTML API workshop. I don’t know if that will be live-streamed, but Dennis Snell is the programmer of it and he’s also a great teacher and educator, so I’m looking forward to his workshop. These are exciting times in WordPress innovation and tooling. I just got back from WordCamp Leipzig and people are excited about the new revamped Create Block Theme plugin, and I came back on the Monday and on Tuesday, I think you released a new version, so everything that I showed had a different interface now, but I think it made it so much clearer.

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The people are excited about that because that’s a no-code way to create themes, that’s we’ll talk about in a few minutes, and they’re also very excited about the upcoming grid layouts that are coming to Gutenberg also in July to WordPress 6.6. WordCamp Leipzig also was a full-German WordCamp, which is always a little bit unusual for me because I’m doing technical stuff mostly in English. I’m really happy to catch up with the German webcam community. 

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Announcements

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Dear listeners, as you notice, we took a break in April, but we are back in full force. Before we head into the vastness of the Block Editor and WordPress happenings, I wanted to alert you to the next Developer Hours on Tuesday, May 14th, 2024 at 1500 UTC, that’s 9:00 AM Eastern Daylight, and you hear my hesitation. Time zones are the bane of my existence, so double check it, please.

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It’s a very important Developer Hours. Nick Diego and Ryan Welcher will show plugin developers and those who have used Meta boxes before. It’s kind of a legacy feature, but it has been around for a long time to manage custom fields, and while Meta boxes are supported in the Block Editor, they’re considered legacy and do not provide an ideal user experience that we came to know. Then since the session, Nick and Ryan will explore current options available to custom plugin developers and theme settings in the Block Editor, so you can manage metadata using React and native WordPress components. You will learn how to use the slots in the sidebar and implement a model for additional.

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Settings, fetch and save post metadata using JavaScript and also, connect post metadata to blocks. There are multiple ways to do this now in the Block Editor. By the end of the session, they will have an open discussion about the blockers, what prevents developers from migrating away from Meta boxes and possible solutions. It’s a great session for whoever is still, and there are many, many people who are still working with plugins that are using Meta boxes for their data. I think this is the start of a movement away from it. It also is a good place to gather the feedback what is actually a blocker, so it can be resolved in the Block Editor. May 14th, 2024 at 1500 UTC. All right, do you have any thoughts on this or ideas?

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Sarah Norris: I mean, it sounds amazing. I think whenever there’s so many options, there often is with WordPress how to do something or just coding in general. It’s always good to go through them and find other people’s thoughts and maybe you hear a better idea on how you are doing it, but yeah, especially with custom Meta boxes. That’s good.

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Birgit Pauli-Haack: There’s also been a GitHub issue or PR that the Meta boxes that are now on the bottom of the screen will be moved into a modal that is you have to click it to open it up from the top toolbar, and that way, now the post editor can also be loaded in the iframe and then have a better user experience and can better be styled and all that. The Meta boxes are a little bit one step away from the first screen, which is also good because the initial experience of having an empty post and then some gray boxes underneath is not a very intuitive interface either. I think with that PR also have been around for a while and discussed. I will link to it also in the show notes so you have the full context about things.

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It’s going to be a shift because most of it is from PHP to JavaScript and that shift has not been easy for a lot of developers, including me. I learned JavaScript the third time now and I’m still not proficient. I learned the first time JavaScript was in 2023 when I was building my own static, my own static page builder. Not 2023, no, 2003, so it was one of the early JavaScript and it was a hell to go through. 

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Community Contributions

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Anyway, so let’s go to our community contribution section. I’m just giving a shout-out to Anne McCarthy who put together a high-level demonstration of WordPress Playground.

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WordPress Playground has been the most surprising tool of 2023 for a lot of people, including me, and I have fallen in love with it because it is a tool without having a server, without needing to install PHP or SQL Server or something like that. You have a link and you can install, pre-install a plugin that you can then preview and you don’t have to set up anything. Once you close your browser, it’s all gone. It’s in the ether, but you could, if you wanted to, have a storage option there. Anne McCarthy shows you what else can be done with Playground. The YouTube video will be in the show notes, of course. It also gives me great pleasure to give you all a sneak preview or sneak knowledge, pre-knowledge about the upcoming Blueprint community project. What are Blueprints?

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Blueprints are the configuration files for Playground where you can use WPCLI, you can use import content, you can use PHP to pre-configure the Playground instance that you link to. Right now, there’s a gallery, a pre-version one gallery of 10 Blueprints. The community project is that whoever uses Playground can share their Blueprints with the world so other people can use it too and adopt it to their needs for their projects. It was great to figure that out and put this together. I think we will start later this month to make public announcements, but you can check it out and maybe check out some of those Blueprints already. 

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Create Block Theme Updates

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I know you worked with Create Block Theme plugin preview. How’s that going? Do you get any numbers or so? How many people click on that link?

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Sarah Norris: Actually, I haven’t checked. That sounds something to see how many people are using it. I know we’ve got great feedback about it and I think just in general, it’s a really good tool to preview plugins before you install it on your site, especially if you’re looking for a specific functionality from a plugin for a single website rather than something that’s going to be used everywhere, like all websites. It’s a great way to preview changes. I’ve not seen this Blueprint gallery before as well. This is a great idea too. Recently for the Automattic themes repo, we’ve added a Playground theme previewer, so that fits into this, like the theme tester Blueprint. A good example.

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Birgit Pauli-Haack: I think there are a few kinks to work out, and I know that Adam Zielinski and his team are really working quite a bit on making things better. One kink is that when you upload, so you prepare the code, the content that you want to share with a Blueprint or with a Playground or template, a theme demo or so, you prepare the content in the Block Editor. You can export it normally with the WordPress export feature, but when you use it in a Blueprint, the images won’t come through, so you need to upload the images to a space where Blueprint has access to. I think the team is working on how to resolve that or make it a better experience. One of the theme testing Blueprints has that problem that the images point to a site that doesn’t have cross-site allowances problem, the course problem.

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There are still a few kinks to work out. There’s one Blueprint in there where you can use WPCLI and add an attachment to a post, but then you need to upload that image beforehand. It’s an interesting conundrum, or how to solve it. The whole Blueprint features steps that you can automatically log in, you can automatically install plugins as many as you need. You can install a certain theme, you can upload some content. I actually use the WPCLI to add 12 posts automatically, so a query block has some content in there and not just the hello world. There are quite a few things that you can make those previews or testings a little bit more refined so you don’t have to have so much set up for some things, so it’s good. Yes, Create Block Theme updates, well, you brought it, brought some updates here to us.

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Sarah Norris: We’ve had a lot of updates on this, yes, Birgit. We’re trying to keep up with Gutenberg, maybe.

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Birgit Pauli-Haack: Oh, join the club.

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Sarah Norris: We’ve recently released the 2.1 version and then we’ve had a few point minor releases after that as well. We’re currently up to 2.1.3. Basically, the latest changes are a big revamp of the UI with an intentional move from the WP admin pages to the panel in the editor. I think for a while we’ve had a Create Block Theme. It uses a little spanner icon in the top right of the editor, so we’re trying to move a lot more of the options to that panel. Instead of having to jump between the WP admin pages and the editor, you should be able to stay in the editor for most of the tooling. We’ve also added a lot more options for how a theme is saved before it’s exported and there’s a lot more control, giving users a lot more control over how the theme is saved as well. Because previously, Create Block Theme was doing magic behind the scenes and it wasn’t obvious what was going on. We’ve tried to surface that a little bit better and it makes it more clear what’s happening to the theme export before you start importing it to other places.

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Birgit Pauli-Haack: Before we dive in into the details, for somebody who hasn’t heard about the plugin yet, the Create Block Theme plugin, what does it actually do? What is it for?

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Sarah Norris: It’s to fill a gap basically between creating themes in the editor, which is obviously already really good and improves almost by the hour, too many updates, but most of the editor changes are very centric to the editor and therefore, to the single instance of the site that you’re working on. Create Block Theme tries to fill a gap where you’re making changes in the editor, and then it lets you export those changes so you can import them to either a standalone theme, so you can then do whatever you want with that, either make it open source, have it as a proprietary product. Any options that you can have for any other theme, but it lets you do it all from within the editor and hopefully, makes just theming in general a lot easier for no-code. We’ve tried to, because the people who work on it generally used to coding themes as well, we tried to make it friendly for both people who like to code and no-code as well.

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Birgit Pauli-Haack: The workflow to create a theme would be to install a theme, preferably Twenty Twenty Four, but any block theme would do, make your changes and then decide if you want to have a child theme of that or a clone of that theme that has no connection to the parent theme, and put the changes that you make in the Global Styles, like the colors and the topography and the dimensions, and any of that changes. When a user makes them in the Block Editor, in the Site Editor, they’re stored in the database, so they’re not getting into the files. Like the template files, if you create a new template, it’s stored in the database. If you add new custom colors, they’re stored in the database. When you choose the Create Block Theme, everything of those changes that you made in the editor will be replicated or duplicated in the files for a new theme or whatever theme you decide to do. Is that correct?

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Sarah Norris: Yeah, that’s exactly it. I guess a quick way to sum it up would be instead of having user changes, it elevates those changes to the theme level and then you can do whatever you would normally like to do with a theme.

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Birgit Pauli-Haack: I did a test of a few things, and I really enjoyed starting from a blank theme, which is not entirely blank. You get the theme JSON and you get the index HTML and you get whatever you need for a fully functioning theme. It’s just not a styled line, and then you can add your colors and your typography and upload the fonts. What are the things that are now in the new UI that you can decide on?

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Sarah Norris: The main differences are how you save the changes to your active theme. Previously, you could just save all the changes and it’d just be like one option and you didn’t really know how things were being saved, and then you could export and you could do a one-click save and export as well, so it bundled loads of functionality into one button. With the new changes and the new UI, we’ve tried to break those out a lot more, so it gives you more control over how the theme is being saved, and then you can choose what’s exported as well. The things that we’ve separated out are fonts, so there’s now a save fonts option, so that lets you opt into including any installed fonts, and it also will delete any deactivated fonts from the current theme as well.

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You can use the new font library basically as well with a new theme to install those fonts, and then you have more options on how they’re included in the theme. You also can optionally include your Global Styles changes. Like we’ve just been talking about, they were automatically being saved, so from the database into the theme level. You probably will want to do that for all changes, but now this is optional as well. In case you’ve made some changes maybe to test things out, or maybe you were testing out some typography and some colors and then you don’t like them, you cannot save them to your theme if you don’t want to do that. There’s also, we’ve separated out saving any template changes. This means any block edits or block markup changes that you make to templates will be included by default, but you can optionally not include them as well.

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Birgit Pauli-Haack: That’s very cool.

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Sarah Norris: It just gives you more control. Again, if you’ve just been testing something, you might not want to include it in your theme, but probably likely you’ve been changing it to update the theme. Probably most of the time you will want to include the changes. We’ve also made it optional to disallow Create Block Theme from editing any existing templates to say you’ve cloned a theme that already includes a bunch of templates and you really like the way they’re set up. Maybe the text is already translatable, and this might be good if you’ve edited block markup in the templates manually. Maybe if you’re making the indentation look nice, anything like that, we’ve now got an option that Create Block Theme will only process. Processes like making text translatable or localizing images, it will only process the templates that you’ve edited within the editor and it will leave any previous templates that came with the theme.

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Then we’ve also got a few other smaller things that are turned off by default because we found that most people probably want them off by default. These are making text strings translatable. Again, Create Block Theme used to do this for everything, so now it’s optional, so in case you don’t want that happening. It will also move any image assets. If you’ve uploaded images to templates, there’s an option to include these images in the theme assets folder and change the URL to be relative to the theme. That’s optional as well. If you turn that off, it won’t move any images and it’ll just leave them local instead of on the theme. Then the final one, which I think is probably the smallest change, but it is a major one, is optionally removing the ref attribute from the navigation book.

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The ref attribute is important because it references a specific menu, but because the specific menu is local to the site instance, when you export a theme, that’s not going to exist on every site. We did explore doing this for every single navigation block, but obviously, not everyone’s exporting a theme. Some people just want to save a theme, and then they’ve got a collection of local themes that they use. It’s not always applicable, and it can mean that it visually looks like you’ve lost an entire menu when all of this happens. It’s just lost its reference to the existing menu. Alternatively to that, if you are exporting a theme and you want to distribute it on the theme directory or anywhere else, you probably don’t want to reference a menu that doesn’t exist anywhere else. It maybe sounds confusing if you don’t know the block markup for the navigation block. If you do, you probably, well, hopefully, when you see the option, you’re like, “Oh yeah, I do want to do that please remove over.”

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Birgit Pauli-Haack: It doesn’t assume things that are there that are not there, and then it’s not a good experience for a new user of a theme. Yeah, of course.

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Sarah Norris: Yeah, makes sense.

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Birgit Pauli-Haack: Totally makes sense. How are Patterns actually treated in the Create Block Theme?

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Sarah Norris: For pattern management, that’s like the next thing we’re looking at because it’s a bigger beast to tackle, and interesting how it’s going to work with the changes in 6.6, but we can talk about those later, maybe. Currently, the main interaction with Patterns at the moment is that with the options, I’ve just gone through, the save options, with making text translatable and moving the image assets into the theme assets folder. Both of those things currently require PHP. Probably if you’ve been using the editor to make any changes and haven’t jumped into the code, everything is going to be in HTML. Create Block Theme will move these references into a PHP file, which is by creating a pattern. Because that’s currently the only way or one of the best ways, I guess, to make text translatable and to reference image assets from the theme director. That’s currently the only interaction with Patterns at the moment. We are hoping to maybe introduce pattern management, or at least iteratively make the pattern management experience better when using Gutenberg. That’s our hope anyway.

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Birgit Pauli-Haack: Patterns have been around for a long time. Well, it’s not the Patterns that were around for a long time, it’s a reusable block that can be used as a template part, for instance, and it’s now called Sync Pattern. They had its own import export feature in WordPress or still have that you can import Patterns via JSON where you can copy paste them from the pattern directory. There are many different ways to get to Patterns, so having one feature in Create Block plugin, that’s going to be a complex piece to tackle. Yeah, definitely. They also have the references to the original Patterns when you have the synced overrides. That’s something we are going to talk about. It’s going to be real complex. What I also like is that you can update the metadata of your new theme within the sidebar with a plugin, so you can change the name of it and you can change the description and do it all right there, so you really don’t have to touch code for that. That is a really good thing. What else? Oh, yes. Yeah, what else?

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Sarah Norris: Like you said, we’ve got a new metadata editor within the editor. You can now open a modal, I guess similar to the custom method fields. It just means, again, all the information goes into the readme.txt file, so probably anyone who’s editing that information already is familiar with editing the read me, but it just means that you don’t need to jump into your code editor and you can stay in the WordPress editor. Then, yeah, the other big thing is that you can now view your theme JSON file, so the currently active themes JSON file. Again, we’ve got a view to enable editing of this as well in the editor. Again, just saving you jumping in between code editor and on WordPress. That’s another exciting one. Hopefully, saves people time.

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Birgit Pauli-Haack: That was actually the biggest, whoa. When I demoed that, I added a few custom colors and showed them in the editor and then saved them. The only barrier is you have to do two saves, you have to save it in the database or on the editor, and then you have to click on save and the Create Block plugin sidebar. Then I was able to show them, okay, and now let’s look at the theme JSON, and it shows the little custom colors palette there. It was really a big help to show the power of this Great Block Theme plugin.

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Sarah Norris: It’s nice.

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Birgit Pauli-Haack: Do you want to go through some of the changes from the change log of the plugin?

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Sarah Norris: Yes. Let’s see what we haven’t talked about. We’ve talked about the UI refactor. One of the recent big changes has been now Create Block Theme will process any background images on the Group Block, which it previously didn’t do. I know that, that’s probably a really popular theme option when people are adding background images to the Group Block. Now those will be exported with a Create Block Theme export as well.

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Birgit Pauli-Haack: That’s great. I know I saw an issue also already used for one of the features that comes in 18.1, is the background for the whole site that you can add. That’s on the roadmap for that.

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Sarah Norris: Yeah, it is. Although, I think that we’re handling that in Gutenberg as well, I think, which is really interesting, so that’s probably another. I think we’re making it relative to the theme or there’s some exploration there, anyway. We need to look into that in more detail on how we can use Create Block Theme alongside that because that’s really interesting. The other thing I wanted to mention, is another recent update is you can now persist the safe changes options. The ones I run through before, there’s quite a lot and they’re basically surfaced as check boxes. If you’re a theme builder or if you’ve build in a lot of themes, you’re probably going to use the same options every time. There’s a new option now that will remember the check-boxes that you use basically, so you don’t have to keep unchecking or checking boxes.

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Birgit Pauli-Haack: Very helpful. Yes, thank you. Awesome. This is your little knowledge bit on the Create Block Theme. I really love that plugin and it had changed. From what I hear in the Outreach Channel and also with the people that I talk to, is that it changed the workflow on building block themes quite a bit and made it so much easier to just create themes. The only thing that it doesn’t do yet, I’m thinking, is to switch off some of the features of the Block Editor that are in the custom settings. If you want to switch off dimension controls or if you want to switch off custom color settings or something like that, you still have to do that or have the theme JSON, but I think that’s just one part that you still need to touch code.

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Sarah Norris: Yeah, that’s a good point. We should introduce a new modal.

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Birgit Pauli-Haack: I think there were some great examples there in the early days of block themes, because many theme developers or agency developers actually have this that build bespoke themes for one project and never replicated for any other project. They have this need to introduce guardrails on colors and typography because it’s brand styling. If you give users too much freedom on that design, they come up with your own designs and sometimes that’s detrimental to the clean look and feel of a website, so they want to build some guardrails. Right now, that’s only possible through theme JSON or theme support in the functions PHP. I also can see that most of those developers are not using the Create Block Theme out of the box. They’re using some of their themes and then have those theme JSON settings already in there and then use the Create Block Theme to just make the additional changes on the templates and on the colors or something like that. I don’t think it’s big, but it could be something we could look into.

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What’s Released – WordPress 6.5.3 RC1

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Although there was already a release to the WordPress releases, we have WordPress 6.5.3 release candidate, was just released, and it’s now available for testing. The final release is scheduled for May 7th. That’s next week. Many of you are listening to this past ad, so go and update your WordPress instances on your websites. It contains about 18, not a bad day, it contains exactly 19 bug fixes discovered with WordPress 6.5 release that couldn’t wait until 6.6 and also wasn’t supposed to wait. They are out now. You can follow up on the full list via the announcement post that will be in the show notes. There weren’t any particular bug fixes that stand out where I said, all good that, that is fixed, but also didn’t work too much with 6.5. I’m glad contributors worked on that. 

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Gutenberg 18.1

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Okay, let’s get to the two last Gutenberg releases. The first tagline, Gutenberg 18.1, it was a fairly large release and, Release Lead Ramon Dodd, had the release post on what’s new in Gutenberg 18.1. That’s the release that answer has the background image for the Site Editor, but let’s take it from the top.

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Enhancements

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Sarah Norris: The first one we were going to talk about is the zoom out, so this is invoking zoom out mode when opening the Patterns tab. It’s a great enhancement, because I think whenever you, or I guess most of the time when you insert a pattern, you’re going to want to see a bird’s eye view or well, literally, a zoomed-out view of your page because otherwise, you’re going to be zoomed into a smaller area of the page and it’s hard to see the new pattern or visualize where you want the pattern to go when you can only see a small section of the page. This invokes zoom out mode when you open the Patterns tab. I’d love to hear some feedback around if people are finding this useful as well. I think it feels very natural as well. It feels like a very nice animation that happens as well when you open the Patterns tab.

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Birgit Pauli-Haack: Yeah, I like it too. Also, in the Site Editor, you can now rename pages through the actions three-dot menu. Pages are now in the Site Editor, you can view them through the data view, the whole DataViews’ new components and tables and the different layout views. You can have the grid layout view of all the pages and on your site, and then you have three-dot menus on the bottom of each card that gives you immediate actions that you can take with a page. One of them is rename a page, give it a new title, even if it’s a no-title page kind of thing. It’s an easy way to fix headlines and all that. I really like it for the new admin sections there.

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Sarah Norris: Another update to that page view that you’ve just been talking about is well, updating the index view. I think these changes are all related to the DataViews project. There’s some really good work going in here. It brings there the list of pages to the new DataViews section.

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Birgit Pauli-Haack: The List View, so you have on the left-hand side, you have the navigation that is in the dark background, and then the List View shows you each page with a thumbnail or something like that in the title. Then when you click on it, it opens up another panel where you can see the whole page. It’s also quite interesting for the workflow that was, you never were able to do that in WordPress before. It was always you had to click on it and then it opens it again. This is much smoother and you can browse all the pages quite easily and to see how they look. It seems to be magical that they actually display the front-end view of the page in the editor, so it’s really cool.

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Sarah Norris: Instead of having to click into a page, wait for a page reload and then click another one and wait for another reload. It’s now right there.

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Birgit Pauli-Haack: Yeah, right there. The same, we see that for the pattern pages, there’s now also a table layout where you can see the patterns and then it opens it up. Then the content schema for pattern editing view. I wasn’t quite sure what that was.

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Sarah Norris: It’s when you can name blocks in a pattern, and then when you come out to the pattern view when you’re inserting a pattern, you’ll be able to see a content panel. Then those name blocks will show in that content panel. It’s probably good if you watch the video, the handy video that’s on the PR. It probably does a better explanation. It’s going to be good.

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Birgit Pauli-Haack: Oh, that helps me quite a bit because sometimes you see paragraph heading, paragraph heading, heading, heading, image.

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Sarah Norris: Yeah, exactly.

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Birgit Pauli-Haack: You don’t know exactly where you’re on the page, but if things have a name you know, “Okay, I’m in the right section where I want to change things in the List View. The List View is, I’m obviously not creating too much content because the List View is not part of my muscle memory. When I was demoing things from the theme and how things are changed, I never opened up the List View and people asked me behind that. The List View is always open, how to navigate the whole pages and all that. It’s definitely a change in muscle memory to open that up because the List View wasn’t really helpful in the first few years of the Block Editor, so I didn’t develop that. Okay, next. Next is a background UI controls that are now really extensive. You can have, what was it? The focus on the image. You can have a tiled background image on things and you can have a section, but this is set for the top level.

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Sarah Norris: Yes, I think so. Well, so I think it’s related to the top level, the new top-level background image setting. As we tend to do in Gutenberg, we’ll add the setting, the new style setting to theme JSON. Then this PR I think that we’re looking at is adding the UI controls. This surfaces it in the editor. This is, again, it’s very close to theming. It really elevates what you can do for themes. Again, this would’ve just been, you would’ve had to do it with code and probably custom CSS.

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Birgit Pauli-Haack: Now you can, through the editor, you can change the background position, you can change the repeat, yes or no, or the background size of it, does it cover the whole thing, or there’s another one restrained. You can just upload the image there. I like background images, it gives so much more dimensions and layers to the Block Editor.

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Sarah Norris: Yeah, it does. I really love web designs that use a big full-size background image. That’s the kind of design I like. I’m really pleased to see this come to the editor. We’ll see.

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Birgit Pauli-Haack: There’s something that the DataViews, and I know it was there before that you can clear out customizations to templates, but now you also get a confirmation modal. I have learned that when you want to do, so some people wanted to switch out the theme, no, the updates of the theme doesn’t update templates at all when they were previously changed because the user changes trump the theme changes. When you update a theme on your site and you want the new changes coming in on templates for themes, you need to clear out the customizations beforehand. It’s a little bit of a quirk right now, and I don’t know how to solve this because of the hierarchy of changes, but maybe the Create Block theme. I don’t know if that’s a scope for that as well, but it’s something users and theme developers need to get their head around that, that’s actually what’s happening.

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Sarah Norris: Yeah, exactly. Maybe a good solution here for the first case, it’d just be to surface what’s going on and try and explain to people just different levels of saving and this is how it works, like the template hierarchy, you just have to get used to that. Maybe there’s a first step of just telling people where things are being saved. I think this change helps you be less unintentionally destructive as well, because resetting things, it’s just, “Oh, I didn’t realize I was going to clear everything.”

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Birgit Pauli-Haack: Yeah, you’re so right. Well, there are people who don’t press a button because they fear that they set up a nuclear bomb, but some people are just clicking around and saying, “Oh, I didn’t do anything,” but it all made it disappear. For them, it’s the next step as kind of have a confirmation modal, so you can think twice about what you’re doing there.

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Sarah Norris: The next one we’ve got is related to the List View you just mentioned. I think this makes it much easier to navigate. It’s adding keyboard shortcut to collapse List View items, but excluding the focused items. You’ve got the List View on the left-hand side and say you do have a lot of content, unlike Birgit, depending on the length, I think it can be challenging to navigate just because it’s another scrollable section. Adding this keyboard shortcut makes it much easier to collapse nested groups, basically. Yeah, it’s a good addition. Again, it’s probably good to watch the video.

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Birgit Pauli-Haack: It’s definitely also a good quality of life kind of thing. I think that was for the enhancement of 18.1, Gutenberg plugin updates, 18.1. 

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Accessibility

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There’s one thing that is available was an accessibility change for the DataViews that you can update. It has updated keyboard navigation in the list layout, so you can navigate through that through your keyboard, which is very important, so you don’t have to wait for the screen reader to announce everything. Then how do you get there? By keyboard. That’s a good thing. I think that was it for 18.1. 

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Gutenberg 18.2

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We can now immediately go into the change law of 18.2, and that was a mammoth release with 234 individual PRs by 56 contributors. Four of them completely new, but it also was that large because there were two more days on the release.

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It wasn’t released on a Wednesday, it was released on a Friday of last week. Let’s head into it. Enhancements

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First things, all kind of animation changes that I clustered together. It makes it a little bit easier that, that’s animation, it’s not very distracting animation. It’s more like a feedback animation. It adjusts the frame, it animates the radios on the frame, it improves the header animation. The animation for opening and closing the editor right-side bar, the insert and List View panels. This is more like when you move through the editor, you get feedback on where you are and where you go. I think those are really good features. They’re mostly invisible, but you’re just going to feel them, that it’s nice out there.

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Sarah Norris: They’re small, tiny changes that make a big difference when they’re all grouped together, especially, just makes everything feel a little bit nicer to use. Next up, we’ve got using the grid layout by default on the templates in template parts view. Again, this is related to the DataViews work, I think. The grid makes more sense because they’re more visual.

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Birgit Pauli-Haack: Template parts and templates are so visual. In their nature though, it’s good to see them, even if it’s only a tiny grid layout card, but it helps you navigate them without. You see them all in one scroll and then you can navigate to the one that you wanted to go to. Template parts are now patterns, so if you’re looking for your template parts, look on the patterns because there’s a big similarity between what patterns are sync patterns and template parts. They’re mostly all reusable things that can be, and so they’re clustered under the Patterns section. There is a simplified template reset language that kind of goes with 18.1 modal probably on resetting template changes customizations. What else?

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Sarah Norris: There’s also related to what you were just saying about template parts I think in the Patterns, we now have an author field in that view.

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Birgit Pauli-Haack: You can filter by, is it a template part or is it coming from the theme, or is it coming from the user and which user? It’s definitely helpful to navigate the whole thing and filter it when you have many, many template parts on the page. Yeah, so good, thank you. Then the editor, also in those layouts, you see in the editor now the word count and reading time in the post card, it’s not in the post, it’s more in the pages view, not in the post view, but you see them on the left-hand side in your screen. In the single Meta page screen. We need to get them all those names in.

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Sarah Norris: I think it’s related to, because we have that information is surfaced within the editor when you’re browsing templates, and so I think we’re trying to align the data that surfaced in both areas so it’s more familiar and not confusing. There’s some data that appears here and different data that appears when you are editing the post. We’re trying to align them to reduce confusion.

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Birgit Pauli-Haack: It’s good to have that information right there with a page metadata here, a template. Then the next feature is that the template preview is now available in the post editor for non-administrators, because non-administrators also can change the templates, so now they can see the preview. I think that’s in the sidebar. When you’re editing a post or a page, in the sidebar, you can switch out the template. To know which template you use, you need to see what it is, so you get a preview of the templates that you can search for or look at before you switch them out. That’s definitely a good way to help content creators to do the right thing there.

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Sarah Norris: The publish flow has also been updated, so this is related to published status label.

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Birgit Pauli-Haack: Yes.

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Sarah Norris: Yeah, it makes it clearer what the state of a post.

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Birgit Pauli-Haack: This is on the post summary panel. It shows you, you might have noticed that when you use the Gutenberg plugin, that the featured image in some of the other data is now in a so-called summary panel on the post were the former called document settings. There, you can also see what nature it is. Is it a draft, is it a published one or not? Then you see the featured image and also the template and the URL and when it’s published and all that. That is now much clearer what status your post is about. Well, the page,

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Sarah Norris: Yeah, it’s good.

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Birgit Pauli-Haack: The next thing is the Patterns page has now edit and view revision actions to the parts. Template parts now also surface the revisions in the editor, so you can see what’s changed here.

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Sarah Norris: In the three-dots menu, I think we mentioned that similar to the title change that’s been surfaced, so these are new options in that three-dot menu for editing and viewing the revisions.

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Birgit Pauli-Haack: The resetting, you can also reset it.

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Sarah Norris: Reset, yeah, and delete.

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Birgit Pauli-Haack: Then the Site Editor now also supports startup patterns. It did for the page view, when you go through the WP Admin and to create a new page, it showed you already startup patterns when they came in with a theme, but the Site Editor page management system didn’t have that yet. This is just creating feature parity between the two views, the startup patterns, so you can select different page layouts, and you don’t have to start from a blank page which a lot of people have anxiety about. You can start about, so you see, okay, this is my header section, my middle section, and my additional service section or whatever is in the startup pattern. Full-page layouts can be done, can be surfaced through the theme, and now you have them inside editor as well. Cool.

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Sarah Norris: The next one we’ve got is we’ve improved the override indication for editable blocks in synced patterns. This is if you’ve inserted a synced pattern somewhere. Then when you’re looking around to edit things, things will be generally highlighted. There’ll be an outline around the block that can be edited. This update removes the outline that highlights things that can be edited. It removes it from things that can’t be edited in a synced pattern. Again, it’s kind just like a quality of life or UX improvement that feels, or maybe looks small, it makes everything feel a lot more easy to understand immediately.

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Birgit Pauli-Haack: It takes the mystery out of it. You don’t have to click around and say, can I? Can I do? The next thing is in the zoom out mode, there’s an introduction of section containers where you can assemble patterns into sections and then zoom out or see them in the zoom out mode. There’s much work being done in creating sections that can be styled and all that. Well, that was a PR that went through multiple changes. Well, it started in February and has just been merged, and it’s April, so it took about two months to get through this. You were saying?

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Sarah Norris: Sorry. I was going to say, I think it’s related to some of the 6.6 changes, especially some of the things that we talked about in the recent Hallway Hangout. I think this is like some groundwork for section styling and being able to style parts of either patterns pages or entire themes, rather than thinking you might have to apply something to everything. You can now break it down into sections.

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Birgit Pauli-Haack: Cool. We will have a link to the Hallway Hangout that you just mentioned. That was what’s coming to 6.6, but we’re going to briefly talk about it as well and have the show notes, of course, have a link to it. The next two are DataViews changes. Again, there’s a lot of work being done, so it’s really hard to keep up, but every time you open up the Gutenberg Site Editor in the Gutenberg plugin, it has little changes in there. One is that you can now display fields as a batch in the grid layout. Then you can make checks, boxes and actions visible on touch devices, which actually is really helpful when you’re on a tablet or on mobile. There is also an experiment out of custom views. I’m not quite sure what that entails, but I’m going to look at it real quick. Do you have anything to add to that?

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Sarah Norris: I think when I was reading this before, I think this is because the DataViews work is now not experimental, it’s moving the custom DataViews into an experiment. Rather than all the DataViews being an experiment, it’s just moving this single part of it, the custom DataViews as being experimental. You have to enable it.

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Birgit Pauli-Haack: Is that the beginning of making DataViews a little bit extensible and you can create custom views or is that not that part?

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Sarah Norris: I think it is. It’s like when you create your own reports in data reporting tools and stuff like that, you can create your own view for, well, I’ve seen the demo for creating your own view for pages, but I’m sure we’ll have many others. Again, it just gives users a little bit more control. It makes things feel more professional as well, because you can give it specific names rather than it all sounding very specific WordPress.

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Birgit Pauli-Haack: The same.

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Sarah Norris: Yeah, the same, basically from the site.

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Birgit Pauli-Haack: I think it comes with a work for custom post types as well. If you need custom post types, custom fields, that’s all that whole soup of complexity and extensibility that comes with it. This is good that there’s already some work being done on that part. Because we already get some questions about extensibility of the DataViews use, and people who have done this with WP Admin are keen to see how they can work with the new components in the DataViews. This is definitely a good thing to start out with that. 

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Then there were some changes for the layout pieces of the Site Editor. It added the row control for grid layouts in manual mode, which is good. It needs some testing and some feedback. You can also now, and this is what a lot of people are waiting for, is applying negative margins. We talked about it before, I think here on the podcast, but applying negative margin was something that a lot of people were waiting for, doing it in UI. It was always possible through theme JSON, but now there’s some UI or some settings that you can do in the sidebar.

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Sarah Norris: Yeah, and we’ve also reduced the specificity of the layout.

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Birgit Pauli-Haack: That’s why I leave it to you. I can’t pronounce that word. Specificity, yeah.

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Sarah Norris: Again, it makes it hopefully easier for themers or anyone interacting with CSS. It makes it much easier rather than unexpectedly being overridden by CSS from Gutenberg. This change will hopefully make that a lot easier. There’s some changes like we’ve wrapped existing styles in a ware block, so which makes them less specific. I believe the semantic class names have been improved as well, but I think I might be jumping into a different PR there, but hopefully, it all collectively makes styling things much easier for Gutenberg.

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Birgit Pauli-Haack: I think the semantic thing with just an 18.3. Yeah, it’s coming.

\n\n\n\n

Sarah Norris: Yeah, we talked about this.

\n\n\n\n

Birgit Pauli-Haack: No problem to mention it here, it’s coming. To say it’s not the last that we work on it. Then for the Global Styles, we talked about the background image or mentioned it, now you can have a display of default background for the size value in the Global Styles. We have the background UI control labels that are changed and then you use text and button background color for color indicators. There’s a lot of things that improve handling background images in the Global Styles.

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Sarah Norris: Then this other one we’ve got for Global Styles is the color indicators now use the text and button background colors. I think this helps make the color palette selection clearer.

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Birgit Pauli-Haack: Absolutely.

\n\n\n\n

Sarah Norris: It’s when you start variations, I think it helps. Again, it probably helps to see this visually in the PR. When you view browse styles in Global Styles panel, if a theme has multiple style variations, you’ll see a little, like a preview box that previews the typography, the background image, and then two other theme images, theme colors, sorry, from the color palette. This changes those two colors to use the text and button background colors. I think it just generally gives you a better idea of the variation color palette compared to previously. Another good improvement.

\n\n\n\n

APIs

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Birgit Pauli-Haack: Especially, yeah. There are new APIs in 18.2, and they definitely need some testing because there’s now additional support for the plugin post status info in the slot for the Site Editor. Most of the changes are actually to give the plugin a more menu item for the API. Then what’s the other one? Plugin site, more menu item, that’s one. Then the other one is unify the plugin sidebar slot between the post and Site Editor. Because most of the time, you need the feature from a plugin in, in both. Because if it’s a plugin with blocks, blocks can be used in the Site Editor as well as in the post editor. It’s really beneficial to have those slots there. You could add as a plugin developer something into the post status info and you can create, so unify plugin, more menu item, you can create more menu items. I think some of the UIs, I feel that the Create Block Theme is actually using some of those new APIs already because it feels a little bit differently than before where you can open a menu and then have another slot and all that. Yes.

\n\n\n\n

Sarah Norris: Yeah, exactly. I think these are the API changes of bringing more parity to the, like you said, between the post and Site Editor. I think most of these changes are moving these APIs into the editor package. Instead of them being separated, they’re only included in one package, and then that makes it much easier for plugins to use.

\n\n\n\n

Birgit Pauli-Haack: Then they don’t have to include too many packages to use those. I think going through the create plugin GitHub repo might help quite a few plugin developers to find some solutions for their move away from the Meta boxes or the WP Admin setting pages into the editor. That’s a new avenue there. Maybe we need to do a Developer Hour on how did you do this? All right. I really like that, how this all comes together. You’re right, if you scroll further on the changelog, you get to the ad semantic classes.

\n\n\n\n

Sarah Norris: I knew I’d seen it somewhere.

\n\n\n\n

Birgit Pauli-Haack: Then there were some changes on the interactivity API. You can now have multiple event handles for the data WP on directive. That is really helpful because you can have for different actions on a button, you can have different event handlers. That’s really cool.

\n\n\n\n

Sarah Norris: Yeah, it is. The other one we’ve got is updating the query block to allow, oh, non-interactive blocks. Sorry, non-core. I’m missing a vital word. Non-core interactive block, so you can include any block. Any block that enables the interactivity. API can now be included in the query block.

\n\n\n\n

Birgit Pauli-Haack: Oh, yeah, that’s really helpful when you have custom post types with some interactions there. We love it. Cool. The interactivity API is another powerful feature that only in the next few months we’ll see really the extent of how powerful it actually is and what other people do with it. There have been quite a few Developer Hours with it. Some examples, there was a developer blog post about the introduction of the interactivity API. Earlier, or last month, there was a Developer Hours with creating blocks with the interactivity API with another real-world example. I know that Ryan Welcher is now working on his Twitch stream on doing a to-do app with the interactivity API, and this shaped up quite nicely.

\n\n\n\n

Part two, I think, happened this week. I will put all these interactivity API mentions into the show notes so you can look up about them, what happened in last month about that. 

\n\n\n\n

What’s in Active Development or Discussed – WordPress 6.6 Hallway Hangout

\n\n\n\n

This concludes our what’s released sections and we are really way into the hour, but I wanted to still talk with you, Sarah, about the Hallway Hangout on what’s next in Gutenberg. There was a demo time, I think it was an hour and a half, where product managers and designers came together and demoed how certain things are going to work and what they’re preparing for the 6.6 version that’s coming out. Beta will be June 4th and it will come out on July 8th. I think that’s the schedule. Of course, so then the last version of Gutenberg coming in, I think it’s 18.5. We are now 18.3 release candidate is out, so we are about three releases away from beta. Isn’t that scary?

\n\n\n\n

Sarah Norris: It’s terrifying, and everything moves so fast. You think you’ve got a break, and you haven’t.

\n\n\n\n

Birgit Pauli-Haack: What was the topic about, or what did we cover? What was covered in the Hallway Hangout? It was the data view efforts in the relationship with the admin redesign. I think that was a part of the extensibility there. I think the biggest piece is the overrides and sync pattern because that changed. It was slated for WordPress 6.5, but then got pulled after beta one when the flow was not as intuitive as one would’ve wanted. It’s a similar setup, so when you have a pattern that is synced, you can enable overwrites. What you also have to do is to give the overrides a name for each single override so people that use the pattern can see in the sidebar which are the things that you can override and can click on it. I think that is a very good demo to watch.

\n\n\n\n

I’ll share the summary of posts on make core in the show notes, and there were quite few smaller videos in there that show off some of the new features that are coming. You and I, we just talked about the zoomed-out view. There is some advanced content only editing in how that is handled. Then of course, another big feature is a grid layout support that’s coming and the pattern styles, which means that you have a section in a website that you can attach a style universally without having to style each additional block that’s in that section. Is that what I’m hearing?

\n\n\n\n

Sarah Norris: Yes. Yeah, I think that’s right. Similar to how we can currently apply different style variations to an entire theme. This would allow you to apply style variations or any other kind of variation of global styles, I guess. I’m trying not to say style variations again.

\n\n\n\n

Birgit Pauli-Haack: Lots of expectations.

\n\n\n\n

Sarah Norris: Yeah, that’s right. It makes it much easier to get some more variety of styling, and means you don’t have to switch themes as well.

\n\n\n\n

Birgit Pauli-Haack: I think that what I find how things are changed in the Global styles and if you needed it to be overall change for the whole site or do you want to just for this post and where those change is happening. There are attempts to find a way to clarify where things have been changed or where they’re styled, and so you can actually reverse some of the things. Revisions probably helped, certainly. The Hallway Hangout was quite interesting to see. Was there anything that stood out for you?

\n\n\n\n

Sarah Norris: It’s hard to pick, actually. I think the DataViews work is really, really cool and really sets us up for the admin redesign work. It’s just really nice to see these fresh designs go into WordPress. I also really like anything to do with Patterns because I work with themes a lot, so all of that is super interesting and it’s giving users a lot more control and allowing different areas to be edited. Then some areas are locked down, just a lot more control is really, really good. Also, on the zoomed-out view, that content only editing view is very interesting too because I think it’s all in the name. It only allows you to edit the content rather than being distracted by editing all the other blocks that are surrounding the content. Again, really interesting stuff going on.

\n\n\n\n

Birgit Pauli-Haack: It also helps the developers that do bespoke site to kind of put up some the guardrails more intuitively for the content creators and not just make it easy for them to create those. Yes, so definitely, dear listeners, if you only get one thing out of this hour of Gutenberg Changelog, follow up on the show notes and look at the summary of the Hallway Hangouts for what’s next in Gutenberg. Because it gives you a pretty good preview way ahead of time of what will come into WordPress 6.6, and there’s quite a lot that’s coming as you can hear. We are at the end of the show. Is there anything else you wanted to highlight before we close out that you didn’t get a chance to talk about it? Because it will be chopped up.

\n\n\n\n

Sarah Norris: No, I think we talked about everything. Well, there’s always too much as well.

\n\n\n\n

Birgit Pauli-Haack: We shouldn’t wait a month to catch up everybody up on the Gutenberg happenings. Before I end on the show, I wanted to remind everyone on the Developer Hours on alternatives from Meta boxes, May 14th. If you listen to this after May 14th, go to one of the last weekend editions on the Gutenberg Times and you’ll find the recording of that hour so you can follow up after the fact. I think it’s definitely also a video to watch. 

\n\n\n\n

All right, as always, the show notes will be published on gutenbergtimes.com for the podcast. This is episode 99. If you have questions and suggestions or news you want us to include, send them to changelog@gutenbergtimes.com. That’s changelog@gutenbergtimes.com.

\n\n\n\n

For those who are still listening and haven’t switched off, we have episode 100 coming up, and it will be a special edition of the Gutenberg Times. I will talk with the agency that did the redesign of the NASA website, and we will talk about WordPress scales as well as implementation challenges and pathways to migrate content, decisions about how to decide on core blocks or custom blocks, and have a good time with the agency, the content creator, team members and developers on how they actually accomplish that. 

\n\n\n\n

Thanks, everybody, for listening, and I wish you a wonderful weekend, week, say goodbye, and yeah, till the next time.

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\n

[00:00:00] Nathan Wrigley: Welcome to the Jukebox podcast from WP Tavern. My name is Nathan Wrigley. Jukebox is a podcast, which is dedicated to all things WordPress. The people, the events, the plugins, the blocks, the themes, and in this case, sustainability across the whole WordPress project.

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If you’d like to subscribe to the podcast, you can do that by searching for WP Tavern in your podcast player of choice, or by going to wptavern.com/feed/podcast. And you can copy that URL into most podcast players.

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If you have a topic that you’d like us to feature on the podcast, I’m keen to hear from you, and hopefully get you, or your idea, featured on the show. Head to wptavern.com/contact/jukebox and use the form there.

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So on the podcast today we have Nahuai Badiola Nahuai is a freelance WordPress developer, theme and plugin creator. He also writes WordPress code tutorials, and enjoys sharing everything he learns about web sustainability in his blog, podcast, and at WordPress events.

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Nahuai’s life took an unexpected turn one day when he attended a 10 minute lightning talk at a WordCamp. The content of that talk was web sustainability, and it profoundly changed his perspective on how we should view our use of the internet. Nahuai has since been a vocal advocate for sustainability within the WordPress community.

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Nahuai extensively researched website sustainability, and came across The Green Web Foundation, exploring the broader dimensions of sustainability beyond just environmental impacts. This passion not only led to the creation of the podcast series, SustainWP, which aims to elevate the discourse on digital sustainability, but also to exploring practical ways WordPress can contribute positively to our planet.

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Today, Nahuai and I discuss the nuances of the environmental impact of web development with a particular focus on WordPress. We discuss ideas like reducing code in plugins, and highlight the performance team’s effort to make WordPress more green.

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The broader scope of sustainability, including economic and social pillars, is also on our agenda, underlining initiatives like sustainable contributor channels, and the intriguing potential of a plugin that helps reveal the environmental footprint of websites.

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If you’re curious about sustainability within WordPress web development, and the community more broadly, this episode is for you.

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If you’re interested in finding out more, you can find all of the links in the show notes by heading to wptavern.com/podcast, where you’ll find all the other episodes as well.

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And so without further delay, I bring you Nahuai Badiola.

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I am joined on the podcast By Nahuai Badiola. Hello Nahuai.

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[00:03:24] Nahuai Badiola: Hello Nathan, and nice to be here. Thanks for inviting me.

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[00:03:28] Nathan Wrigley: You’re very, very welcome. I’m really happy to have you on today. We’re going to be talking a little bit about sustainability. I will let Nahuai explain what all of that means, in terms of your digital footprint, especially for your websites.

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Before we do that Nahuai, would you just spend a few moments telling us your biography, maybe your WordPress origin story, something along those lines, just so that we know a little bit about you.

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[00:03:51] Nahuai Badiola: Good. Good. Yeah, I will do my best to, summarize it. So I will go to 2014. Okay, that was the first time I was starting building websites with WordPress. And back then I was still a neuroscientist, so I was following the researcher path. So I was doing my third postdoc in Italy, and I really enjoyed the research part.

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I still do, I love researching things, but the researcher lifestyle, not that much. So at the end it’s a lot of time going to a workplace, and when you are a boss, or you are a researcher, you do a lot of paperwork, but a lot. And it was like, it doesn’t sound like the plan I want to do when I’m 40 or whatever when I arrive to that point.

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So I started looking for options, as you can guess, after 15 years of, let’s say a specialization on neuroscience, it was like, what can I do? I always be very inclined to technology and the online stuff, so I always enjoyed that part, and I was lucky enough to find WordPress pretty early on.

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Let’s say when I was saying, okay, maybe, I want to do something online. Maybe I want to become a freelance to have more freedom. You can laugh here if you want to because we know it’s not that easy. But I can say that I live much better right now than when I was a researcher, so it didn’t went that bad.

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So in that moment, I started using it as a user, just building websites for me. The typical travel blog for my wife and these kind of things. I was enjoying this, that part. I was also enjoying tinkering with code. So I was enjoying modifying themes or creating small snippets, these kind of things. And the really nice thing about WordPress is that you have a ton of content online. So that’s really nice.

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So another good thing is that there are cool podcasts about WordPress like this one. So I started to listen to them in English, but also in Spanish. And when I went back to Spain, where I’m from, if you didn’t notice my accent by now. I started going to meetups because I already heard about the community, Spanish community.

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Indeed, it’s a quite active, and vibrant community. So I start going. Then I start giving some talks and then going to WordCamps, some talks in WordCamps. And then I was already falling in love with WordPress community, so I also started organizing the meetup in my hometown, not hometown, but where I live now, Terrassa, near to Barcelona.

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So I was really into the community. I was really enjoying. I was pretty much going well business wise, let’s say. And there was a moment in, this is already 2019, so we move forward five years, I went to WordCamp Pontevedra, and there was a lightning talk, talking about the impact of internet in CO2 emissions.

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So it was like, wait, what? And the idea is pretty straightforward. So we know that the internet is this cloud, this thing that we think is ethereal, and it’s run by rainbows and cats and, but it’s not, it’s really run by coal mainly. So the idea is, internet are servers. Those servers need energy. And that energy is mainly still coming from fossil fuels. So that’s that.

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So everything you can do to reduce that footprint, it’s more than welcome. And in that moment, it was like, this was a quite obvious thing to think, but I didn’t think about it until I went to this talk. So that’s one of the realizations of the importance of going to this kind of events.

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And sometimes you just stumble upon a talk that you say, okay. Indeed, since then I’ve been researching digital sustainability. I’ve been also talking about it, and for not making this journey too long, I will just move to the part when I met Hannah Smith, probably in another WordCamp, WordCamp Europe, Berlin, also the same year.

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I know that I knew that she was already doing some research in digital sustainability. She was one of the, I don’t want to call it leader, but people that is sharing about it, and is good doing it. So I start talking with her. I just approach her and say, do you feel it’s okay if we talk online, of course, every month or every two weeks? And she was, let’s do this.

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So, in that moment, that relationship went on. We talk mainly about digital sustainability. We really feel really close to our heart, that part. And thanks to that probably, I learn about the Green Web Foundation. This is a nonprofit, that is, they do a really cool things.

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You probably, if you heard it, you probably heard it because they have a directory of green hosting. So hostings that are using clean energy, let’s say. But they do much more things. One of the things they do is they have a fellowship. And that was when Hannah was part of the first cohort of the fellowship, and she did a really cool workshop. It’s called Doing the Donut. I will leave you the link so you can share it, but I don’t want to spend too much time here.

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Just to say it was a brilliant workshop, interactive workshop I attended as a attendant. And the idea was to put into perspective the impact of digital. Things we do as business, as consumers, in the environmental, and the sociological, and the economic.

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So that was one of the first approach of, okay, sustainability is maybe not only the environmental part, but there is also a social and economic part. So that was another aha moment, let’s say.

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[00:10:06] Nathan Wrigley: I think getting into the social and the economic part would interesting in a moment. But just for now, so 2014, the beginnings of this, but really the whole of your future really pivoted around a 10 minute lightning talk. You can imagine a scenario in which you just decided, I won’t go that.

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[00:10:26] Nahuai Badiola: Skip it.

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[00:10:27] Nathan Wrigley: Yeah, somebody said, let’s go get a coffee, and your life would be profoundly different. I often have conversations with people who turn up to a WordPress event, and they’re not really sure what it is that’s going to catch their attention. But there’s always something, whether it’s volunteering or the code or whatever it may be.

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But fascinating, just really interesting that 10 minute lightning talk led to such a profound change in your life. And the Green Web Foundation, and the fellowships, and all of that bound into it as well.

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So, okay, for those people who are listening, it may be that you have never connected the word sustainable, or sustainability, with the environment. So that’s I think one of the things that we want to drive home. Every time you hear that word in the WordPress landscape from now on, you are thinking about the environmental impact. But more broadly as well as we’ll get onto the social, and the economic impact.

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Now you’ve taken this to a really interesting new level as well because you like recording the audio and putting a podcast out. So I want to draw attention to everybody. Maybe if you are anywhere near a computer, just hit pause and go and search for SustainWP. It’s a podcast series, and I’m really, I’m just going to hand it over to you. What was the point of that podcast series?

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[00:11:42] Nahuai Badiola: So linking to what I was saying about Hannah’s workshop. It was a brilliant way of putting together things that I didn’t thought about it before. So I really liked the philosophy of trying to be more aware in our space. So I say, okay, this is frame in detail, digital sustainability as a whole.

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I wanted to move it to WordPress. Let’s say we do a workshop about it. The workshop thing didn’t went far, so I moved to the podcast format, and the idea was indeed the sustainability piece, a limited podcast series. So it’s nine episodes, and the idea is to see the different parts in monographic episodes, let’s say.

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The first one is like an introduction of what are you going to find there. But then I move forward and explain what are the three pillars of sustainability, as you say, the environmental, the economical, and the social. But I don’t do it alone, because that would be not that much interesting. But I invited too, 13 guests. Brilliant people from WordPress community, and also from the digital sustainability, let’s call them again, leaders or thought leaders.

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So at the end, you can hear pretty much the ideas of every one of them in the different topics. So you are not going to listen to a whole interview, but I will extract snippets of audio, give it context, and put it and wrap it in every episode. That’s a lot of work, by the way.

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So thanks again to the Green Web Foundation, because I was able to do it thanks to the Green Web Foundation Fellowship that I was awarded in the second cohort. So that’s why I could do this more refined format, let’s say. Just to explain that is a different format.

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[00:13:30] Nathan Wrigley: Just to interrupt there, I think podcasting, it really hadn’t occurred to me that podcasting as a distribution medium is actually fairly sustainable. Video, it consumes a lot of resources. If you begin playing that then there’s megabytes and megabytes of data flowing around.

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[00:13:46] Nahuai Badiola: Yeah, the website is quite low carbon. Also, another cool thing about podcasting, feed, it’s a feed. That’s a really nice thing in sustainability. The social part is also like, it’s accessible to everyone. You have to be married to any platform. You can listen in the web, in your podcatcher. That’s another really cool thing about podcasting.

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At the end is, we talk about the three pillars in sustainability and how they understand them. So I think that it was really interesting for me. I hope more people find it interesting. And then we took these three lenses and talk about how we can improve WordPress, in an events level, because we meet quite a lot, and we like to meet. It’s brilliant we meet. I already explained that I have a lot of good things from those meetings. But maybe we can meet in a more sustainable way.

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And the other part is about the CMS, how we can do the CMS, let’s say more sustainable. This part is, the environmental part is very important because WordPress is installed in millions of installations. So everything that we can improve performance wise. And here, I want to give a great kudos to the Performance Team, because they are doing brilliant work here. A lot of cool improvements are coming to WordPress. Lazy load, all the assets that are loaded, only if the block is there. Brilliant stuff.

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And the formats, also the WebP. Brilliant stuff. But also we have, since it’s an open source project, we also have the longevity part there. Because, this is run by people that is put in there voluntarily, or maybe sponsored by some companies. But that part is also really important. How we can keep this project ongoing for a lot of years, because I think that it can. So, we also tackle those topics, and that’s the part that is more socioeconomic. We talk about Five for the Future project and other stuff. And I think there were a lot of interesting ideas and discussions about it.

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[00:15:56] Nathan Wrigley: Can I just ask a quick question? Well, one question and then one observation. The first one is, you mentioned a few times the three pillars. Just to cement into everybody’s heads, would I be right in saying that’s environment, social, and economic? Are they the pillars? Okay. So just wanted spell that one out.

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The second thing, which is an observation, is, yeah, it really hadn’t occurred to me quite so profoundly until you just said it, that if you can modify the CMS, which powers 43% of the web, in one stroke, you are doing so much good. If you can cut out, I don’t know, 10 kilobytes, or a hundred kilobytes, or a megabyte from every single WordPress website, millions and millions of times over, you’re doing profoundly good work, by doing one thing. And that really hadn’t hit home for reasons I can’t explain, but okay, that’s really amazing.

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[00:16:51] Nahuai Badiola: I want to mention one example. That one was eyeopening for me, let’s say. It was when Danny van Kooten share the impact it has to remove, I think it was 20 kilobytes of JavaScript from one of his plugins. I think it was MailChimp for WooCommerce. And since that plugin was I installed in, I think, 2 million WordPress or something like that, it was tons of CO2 he was reducing. Just because of those 20 kilobytes.

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[00:17:25] Nathan Wrigley: So 20 kilobytes from his plugin, which by the sounds of it, has an enormous user base. 20 kilobytes spread across those 2 million websites, and I guess he’s doing some analysis of how many times his plugin is loaded and all of that, tons.

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[00:17:40] Nahuai Badiola: Yeah, tons. I don’t remember. And I think he also put it in car travel or something like that. It was like a lot of car travel, or a lot of kilometers done in car, and it was like, this is huge. So that was a popular plugin. Imagine what can be done in Core that can have potentially even more impact. And indeed, I think they are already doing it somehow in Performance Team. So, yeah.

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[00:18:06] Nathan Wrigley: It’s interesting that the Performance Team, let me just rewind a bit. So the WordPress Performance Team has been going for, let’s go for about two years, something like that.

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[00:18:13] Nahuai Badiola: Two or three, I think, yep.

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[00:18:15] Nathan Wrigley: Nahuai’s holding up three fingers.

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[00:18:17] Nahuai Badiola: Yeah. because they started as part of Core, but now are established, so that’s why maybe we have two dates, but yeah.

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[00:18:25] Nathan Wrigley: Okay, so three years and in that time, the messaging that seems to come out of that team, not from the team, but the interpretation I often have in my head is how much quicker it’s making WordPress. Because you always think of performance, oh, it’s going faster. And of course that’s true, and that’s great, but an intended consequence I guess, is this environmental, sustainable side of the performance.

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And again, I hadn’t really joined the dots there. And if you are saying that 20 kilobytes, from a 2 million install plugin means tons of CO2. If we take megabytes out of the core of WordPress, that must be hundreds and hundreds of tons of CO2. I have no intuition as to what that number would be, but I’m guessing it would orders of magnitude more. Again, just another profound realization.

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[00:19:21] Nahuai Badiola: So, this team was already ongoing for let’s say two, three years, and they are doing brilliant stuff. Again, I can’t praise enough for their work. But, in parallel to this SustainWP project I was doing, and putting the dots together and seeing the sustainability not only as an environmental part, but also economic and social part. In parallel, we were creating a first sustainability initiative inside WordPress. And the last year in WordCamp Europe in Athens, we became an official team, after doing a lot of, all the steps that are needed to be a, an official team.

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I don’t want to spend too much time on the process because I don’t want to take too much time. I want to tackle so many things. So I will encourage you if you’re interested on understanding better how the team was created. We have a dedicated episode in SustainWP, is the number seven. And there you can see how the evolution went.

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[00:20:21] Nathan Wrigley: I’m just to interrupt there and tell the listener the URL, because many people listening to this and won’t be desk or anything, so let’s put it in your head. It’s sustainwp.com. No hyphens or anything. Just sustainwp.com. And then if you go down to episode seven, it’s called WordPress Sustainability Team.

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So you can short circuit by listening to that episode. It seems to run to just under an hour. Sorry, carry on.

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[00:20:45] Nahuai Badiola: No, no, that was nice. Yeah, that’s, we have to remember this is audio and it’s always good to do this kind of stuff and say, hey, remember. So you will have it also in the show notes, but if you are interested.

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So at the end we’ve been doing, first in the initiative and now as an official team. We’ve been meeting in Slack every week, and we’ve been talking about how we can do the project more sustainable in all the areas. And one of the two projects that we have right now ongoing, and I will mention briefly in case you want to join us, because we are open to always to have new contributors.

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One of them is the handbook that is aiming to create a more sustainable events. So as I say, we meet a lot, in meetups, WordCamps, and especially in the flagship WordCamps. A lot of stuff is moving around. So the idea is since the organizers we have to remember are volunteers, so they are not professional people that are usually creating these kind of events.

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They do what they can with the time they have. So the main idea is to put together a lot of ideas that could improve the sustainability of the event in a list. So they can go there and say, okay, I would like to do a bit more sustainable event. What can I do? Can I reduce the swag? That could be an option.

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Leaving the option to the user in the registration if they want to have a T-shirt, if they want to have a lanyard even, because I have already enough lanyards. So this kind of small things that maybe if we start to standardize it. Maybe we don’t need to create so much swag for the welcome pack, let’s say.

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Then we also have some ideas from sponsors. Indeed, some of the sponsors came to WordCamp Europe contributor day and they were willing to understand how they can do a bit better in that way. So some of them are already trying to do better.

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Another big part could be promoting the traveling. So traveling by train when it’s possible. And indeed in this years WordCamp Europe, in Torino, there is a dedicated page where there is information about the trains you can take if you are in Europe.

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So just putting easier to organizers to serve those resources. And then make it easier to the people that is attending to have maybe a more sustainable habits when they are going.

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[00:23:18] Nathan Wrigley: I guess many of us have been to WordPress events, and obviously a lot of people have spent time organizing it. But like you say, it’s run by volunteers and it may well be that you just don’t have the ideas that would be contained in the handbook.

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So we’ll link to the handbook as well, so go through that list and maybe some of those, if you’re a Meetup organizer, or if you’re a Word camp organizer, some of those things you could tick off. That’s, yeah, that’s really interesting.

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[00:23:44] Nahuai Badiola: That’s still a draft, but yeah, we will like to have it in a more definitive format by the WordCamp Europe this year in Torino. So hopefully we have it.

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[00:23:52] Nathan Wrigley: One other quick thing, you mentioned contributor day. If you don’t know what that is, the contributor day is often attached to the beginning or the end of a WordPress event. And the idea is that you show up and you put yourself onto a table, and that table has a theme, and you work on that thing for the duration of that day.

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So it may be photography, it may be core, it may be marketing. So is there a sustainable or a sustainability table? Is that often the case now? If you were to go to one of the WordCamps, maybe one of the larger ones, is that a part of the agenda to get a sustainability table?

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[00:24:25] Nahuai Badiola: Yeah, indeed. Last year we had the first one in Europe, let’s say in the first one in a flagship WordCamp. Because we already did in Barcelona and Pontevedra. This year is going to be also a contributor day with sustainability table in Torino. The idea is to be one of the tables that is usually set up for that.

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Of course, we need someone that is coming to the meeting somehow, and they know more or less what are we working on? But yeah, yeah. The idea is to spread and have it as one of the, since we are already an official team, if in a WordCamp there is someone that is working in something that we are doing in a sustainability team, they are welcome to host the sustainability table.

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[00:25:06] Nathan Wrigley: So call to action, dear listener. If are heading to a WordCamp event, particularly Torina, in the year 2024, WordCamp Europe, and you’re not sure where to put yourself for the contributor day, now you’ve got an option.

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[00:25:19] Nahuai Badiola: Indeed.

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[00:25:20] Nathan Wrigley: We’ll, provide links in the show notes, but maybe we’ll get some contact details for Nahuai as well, anyway. Brilliant, carry on.

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[00:25:26] Nahuai Badiola: Yeah, so we can link it with this. If the event handbook doesn’t sound appealing enough to come to the contributor day, or to come to the Slack meeting, we are also doing, creating a plugin that aims to surface some information about the impact, environmental impact. Of the website, probably in the WP admin, or site health, or we have to think where to put it.

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But at the end, the idea would be, the initial idea was to use some of the APIs that are there to surface how much CO2 is emitting your website, okay. Giving you some context. You are in the 10% dirtiest websites. Or, you are in the 15% more cleaner. So something like that. And also some resources to understand better what that means, because maybe that’s a new information for you, like it was for me in 2019.

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And the idea is to raise awareness. So the people that are using WordPress, they see that and if they are intrigued and they want to know more about it, they can understand better. And the following idea would be they take actions to improve that, okay. But that would be the next step.

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[00:26:40] Nathan Wrigley: So the plugin not only will surface where you stand in the panoply of websites, you know you’re in the top 10% in terms of sustainability, or you’re in the bottom 10%. But also in the future you’ll be providing guidance, things that you can do to mitigate the things that we have flagged. Okay, that’s fascinating.

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[00:26:58] Nahuai Badiola: That will probably be another plugin because, and I will explain why we want to keep really simple, the one that is surfacing information about the environmental impact. Indeed, we are now thinking that maybe using CO2, calculating the CO2, it requires to do calls to a third party API, that we don’t want to do it, or include the library. And we don’t want to do it because the aim is to build a feature plugin that can go inside core.

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So it has to be really lean, and clean, and comply with everything that is needed to be in core.

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[00:27:38] Nathan Wrigley: Including this into core. Sorry, I’m interrupting alot.

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[00:27:41] Nahuai Badiola: Yeah. no, that’s so nice because you’re excited with it. So I think this would be huge if we manage to do it. And we are taking steps slowly because of this. Because the aim is to be in core.

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If we manage to put some context there, maybe, I don’t know if CO2, but maybe it’s performance metric, and creating some kind of rating that also you can understand. So from A to F or whatever we decide. So the user can see a red F or a green A, and they say what that’s mean. And probably we have to put some links to understand better the context.

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But having that in core, I think it’s a brilliant way of raising awareness about it.

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[00:28:26] Nathan Wrigley: Yeah. One of the things that’s coming into my mind is that, obviously if you’re a WordPress professional, if you’re a web developer, I imagine you’ve scratched the surface on this topic a little bit. You’ve probably had at least some thought that, boy, we produce a lot of carbon with this industry.

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But the people who are managing the websites, the people who are in effect, the clients who have had the website built for them, who don’t really have the technical expertise, maybe they are content creators, or writers, or journalists or whatever it may be. It’s an interesting thing to present them with as well to surface in their mind, boy, my website, yes, of course. It’s running on a computer and it’s producing carbon.

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I think that’s also quite interesting, because the audience for that is much bigger than the developer audience. And so reaching out to those people and just injecting that thought. Okay, your website has an impact. That’s really profound as well.

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[00:29:18] Nahuai Badiola: Yeah. And as it was for me, the environmental part and the CO2 part, in SustainWP we talk about the carbon tunnel vision that we usually have in sustainability. That means that in a lot of places we equate CO2 to sustainability. And that’s just one part, but is one of the parts that is easier to understand.

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We play so much with it. And I usually refer it as a Trojan horse. So you start talking about CO2, and the impact in the environmental part, and you gather some interest, and maybe you are, if you are good enough, you can learn them to understand that sustainability is not only environmental, and there are more things.

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And talking about this, one of the things that the team would like to improve is what I was mentioning before about the longevity of the project. Right now there are a lot of contributors, some of them are sponsored, which is brilliant, but others are not. The ones that are not sponsored, sometimes it’s okay for them because they are putting, let’s say two hours a week, and they are fine because they have all their stuff. But there is people putting more time than that, and probably it’s not sustainable in time.

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So, one of the aims, and one thing that was already talking in the Community Summit last summer, was to create what I call for a lack of a better term, like a portal where we can put the contributors that are doing active stuff on the project, and are not sponsored, of course. And companies that are open to sponsor people that are contributing to the project.

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[00:31:05] Nathan Wrigley: You are acting a bit like a go-between to connect people who perhaps don’t have the expertise to get involved with this, but they have the finance. They have the capacity to put somebody in that chair, and they can pay them for their time and make that worthwhile. Okay. That’s interesting.

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[00:31:22] Nahuai Badiola: Yeah, so here probably one of the things that as a first idea or product that can go there. It would not contain the financial part, because that’s really tricky. It would be maybe just a way to contact. It’s a portal where you can connect.

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[00:31:39] Nathan Wrigley: Yeah. You are making the introductions. Right, I get it.

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[00:31:41] Nahuai Badiola: And then they go wherever they want. They need to go to do the financial part. Because the financial part is quite tricky. And indeed there is already something put in place that is called WordPress collective community.

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[00:31:56] Nathan Wrigley: Yeah, the WPCC. Yeah, I’ll link to that.

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[00:31:59] Nahuai Badiola: Exactly. And that’s an initiative that it’s ongoing. I think at least they already managed to sponsor, I think a couple of people. Basically you can put some money there as individual, but also any company can put some money there to sponsor people that is contributing.

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But in this portal idea thing would be to have like a, a directory of people that is doing active things. And for that, maybe it’s going to be helpful, the metric dashboard, project that is starting. Meaning that probably the companies that want to put some money in someone, they want to see a specifics.

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So this person is doing, let’s say, five hours in community team, and is doing this specific task. So they know that they are putting the money there. Or let’s say in plugins, review or in theme review, or whatever, team it is.

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So I think there is a lot of potential there. I think the people in Five for the Future, are willing to improve some of the system that is there. Because right now, Five for the Future is a brilliant project, but I have the feeling that it’s mainly big companies sponsoring full-time to contributors, which is brilliant. And that’s why the pace of WordPress evolution is that fast. Because Automattic and other big companies are putting a lot of people working on there.

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But there is, from my point of view, a lack of freelance that are putting time to the project. And they are not able to gain any sponsor, because maybe it’s tricky. It’s more tricky to sponsor part-time, someone, instead of having an employee just donated to. So I think we can improve some things there.

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So I’m just talking about the idea, because I know there is interest in a lot of sense, and we just need to find the way of moving it forward. But I think it would be really beneficial if we can close that gap between contributors that are already doing things, and companies that are, they are understand they have to do something, give something back, or they want to have some cool people related with their brands, let’s say.

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[00:34:14] Nathan Wrigley: What’s fascinating here is, there’s obviously the code side of things. Reducing the impact of the footprint that WordPress creates. But it also appears from everything that you’ve just said, that if code is not your thing, the sustainability team, they need your help in all sorts of other ways. Like trying to figure out how to marry up sponsors with contributors, freelancers with sponsors, and so on and so forth, how to actually shape that team.

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So it’s very meta that, isn’t it? You want people on the team to help you figure out what the team will be doing.

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Okay, that’s perfect. So my guess is that you are, you have your doors wide open. You are hoping that people will listen to this and will come knock on your door, find it wide open, step inside. So where do we go? Where’s the best place, best place or places to find out more about the sustainability initiatives in WordPress?

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[00:35:04] Nahuai Badiola: Yeah, I think probably it’s coming to the weekly meetings. Probably we are going to move it to every two weeks, so we can have time to do more stuff between the meetings. We will leave the link of the Slack channel. It’s easy, we are the sustainability channel. So I think you can come and you can join some of the ideas that are going. You can drop your idea if you are willing to move it forward.

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So one of the posts I wrote in the Green Web Foundation Fellowship, during the fellowship, it was sustainability as an umbrella term, because I really think, and during this journey, I saw it even more clear, that sustainability has a lot of things that are, they can be under it. So that’s one of the benefits of having this team, and we can collaborate with performance. Indeed for the plugin that we were talking before, probably it makes sense, a lot of sense to collaborate with them.

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But there is also parts of inclusivity and making the events, not only more sustainable in a environmental way, but also inclusive. And that’s why we also want to have a close relationship with the DEIB working group. I think you already talk with Birgit, right?

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So there are a lot of things that maybe we don’t have to do everything under our team, but I feel we really need to collaborate well, or have good relationship with other working groups or with other teams. And yeah, it’s a really cool place to come, and drop your idea or join forces with the things that we are already doing.

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[00:36:42] Nathan Wrigley: As with every episode, everything that Nahuai has mentioned, I will try to track it down, or probably Nahuai’s going to drop the links into our shared show notes. But everything that we’ve mentioned, I will endeavor to get on the WP Tavern website. So if you go to wptavern.com/podcast, search for this episode, and you’ll be able to see the show notes there.

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It’s the topic of our time this, isn’t it really. There are a few things which matter, and then there are some things which matter a lot, and this really does feel like it goes into the, this matters a lot, category. If somebody wanted to reach out to you just to bat some ideas around with you personally, that might be a good way in. Where can we get in touch with you personally?

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[00:37:27] Nahuai Badiola: Yeah, probably all the workers related stuff, Slack is a good place. If you are not there, you will probably join earlier or later. But if you don’t want to start there, you can find me also in Mastodon. I’m on Twitter, not very active, but I still have the account. And my website, and my mail. My mail is where I manage everything, so you can also find it. Even if it’s, if the website is in Spanish, you can go to contact and just write me something and, no problem. And yeah, I think that’s pretty much it.

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I feel like, as I say, sustainability is so many things and we had limited time. I think we are doing good job putting everything together. If you really want to hear really cool ideas and some debates about it, we already did the plaque of SustainWP, but I really think that they were brilliant, the, guests. And if you’re interested in the topic, I think you can enjoy that podcast.

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[00:38:24] Nathan Wrigley: Perfect. There’s nine episodes over there. It just remains for me to say a great big thank you. It’s amazing to hear somebody that’s quite so passionate about this subject.

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Hopefully you’ll have driven some engagement in your direction. Nahuai thank you so much for chatting to me on the podcast today. I really appreciate it.

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[00:38:40] Nahuai Badiola: Thank you Nathan, and let’s hope somebody is the tipping point where they discovered this link as that talk in Ponte Vedra was for me, and they just start being interested in the topic. Thanks a lot Nathan.

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[00:38:53] Nathan Wrigley: I have my fingers and my toes all crossed. Thanks so much.

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[00:38:56] Nahuai Badiola: Bye bye.

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On the podcast today we have Nahuai Badiola.

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Nahuai is a freelance WordPress developer, theme, and plugin creator. He also writes WordPress code tutorials and enjoys sharing everything he learns about web sustainability in his blog, podcast, and at WordPress events.

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Nahuai’s life took an unexpected turn one day when he attended a 10-minute lightning talk at a WordCamp. The content of that talk was web sustainability and it profoundly changed his perspective on how we should view our use of the internet. Nahuai has since been a vocal advocate for sustainability within the WordPress community.

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Nahuai extensively researched website sustainability and came across the Green Web Foundation, exploring the broader dimensions of sustainability beyond just environmental impacts. This passion not only led to the creation of the podcast series SustainWP, which aims to elevate the discourse on digital sustainability, but also to exploring practical ways WordPress can contribute positively to our planet.

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Today, Nahuai and I discuss the nuances of the environmental impact of web development with a particular focus on WordPress. We discuss ideas like reducing code in plugins, and highlight the Performance Team’s efforts to make WordPress more green.

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The broader scope of sustainability, including economic and social pillars, is also on our agenda, underlining initiatives like sustainable contributor channels and the intriguing potential of a plugin that helps reveal the environmental footprint of websites.

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If you’re curious about sustainability within WordPress web development, and the community more broadly, this episode is for you.

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Useful links

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WordCamp Pontevedra

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Hannah Smith’s presentation at WordCamp Europe 2019

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The Green Web Foundation

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The Green Web Foundation Fellowships

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SustainWP Podcast

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WordPress Performance Team

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Five for the Future

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CO2 emissions on the web by Danny van Kooten

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WordPress Sustainability Team Handbook

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WordPress Community Summit

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WordPress Community Collective

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Sustainability Slack Channel

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Web Sustainability Guidelines (WSG) 1.0

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Doing the Doughnut Tech website

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Sustainability Team Events Handbook (Google Doc)

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Nahuai’s website

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Nahuai on Mastodon

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Nahuai on X

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هذا المقال متاح باللغة العربية

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In an unexpected twist, my life has led me on a path where I ended up working with WordPress almost every single day of my life…

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The Beginning…

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My story begins in Istanbul in 2016, I haven’t heard of WordPress then except in one encounter with a friend who used to be a renowned journalist and quit his job, learnt how to use WordPress, and became a full-time freelancer building and maintaining WordPress sites. 

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I graduated from the Faculty of Economics and Political Science and has worked most of my career then in PR and digital marketing roles where I had no contact or knowledge of WordPress. When I moved to Istanbul I interviewed and got a job at an advertising agency and part of my job requirement was to create an editorial calendar, write and optimize blogs for GoDaddy. 

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This was my first time to run an editorial calendar myself, I enjoy creative writing and had to write countless papers for university but haven’t done it professionally. I was very excited about the opportunity to learn something new. I remember very well watching hours and hours of search engine optimization videos and thinking to myself: This feels so hard, almost impossible, little did I know.

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I spent about 3 years managing the blog as part of my work and using WordPress every day, I slowly learnt how to navigate the plugins, do SEO and even launched the Arabic blog in 2019. 

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I must say that I enjoyed it a lot and was especially happy when I got to see the results of the hard work that was put in to maintain the blog. 

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The Middle…

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A few years later I moved to GoDaddy as a marketing manager and trained a team to be responsible of the blog and I moved to a different role with different responsibilities. A couple of years pass, and I move to a new team where I’m responsible for the growth of some products and WordPress was a part of it… we meet again!

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This time I was working with WordPress with a different angle and perspective, not only as a user but looking at the marketing and community side of it, and this is when I heard about meetups and WordCamps. 

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My dear friend Maja Loncar was the first one to introduce me to meetups and WordCamps and explained how WordPress is more than a CMS, it’s a community. Early 2023, I was asked to be part of the GoDaddy team going to WordCamp Asia 2023, and I must admit I was anxious. 

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I had been to many events before that but nothing like this one, and I started prepping for my first ever contributor’s day and WordCamp in Thailand. 

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I remember Adam Warner’s reassuring words to me before the event which has helped me feel confident and at ease. I must say I had a wonderful time in Thailand, the community was very welcoming, and I got to meet a lot of wonderful people. 

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My first contribution was to the training team, and at that time I realized that there is no training material in Arabic, which made me think about meetups and WordPress communities for Arabic speakers.

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Back in Dubai, I started looking up meetups in the Middle East, and started reaching out to the organizers in hopes to bring them back to life and help or co-organize if possible. I was met with disappointment at that time as most of these meetups weren’t active anymore (especially after COVID) and the organizers weren’t enthusiastic or were too busy. I remember speaking with Maja about this, and she said: what don’t you start one yourself? She explained to me the amount of effort that’ll need to be done and I thought about it. A few months later I started an online meetup for Arabic speakers across the world. 

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The meetup has been running for around a year now, and it’s been through ups and downs – this was also the title to my first talk in WordCamp Asia 2024 in Taiwan. 

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The story doesn’t end here…

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Ever since my first WordCamp, I’ve been to 3 other WordCamps and attended several meetups and got to meet and have genuine friendships within the community and I was honored to be a speaker in WordCamp Asia 2024. My journey doesn’t end here, it’s just the beginning…

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كيف غيرت المجتمعات قصتي مع WordPress

\n\n\n\nها هي ندى تقرأ قصتها بصوت عالٍ\n\n\n\n\n\n


في تطور غير متوقع، قادتني حياتي إلى طريق انتهى بي الأمر بالعمل مع WordPress كل يوم تقريبًا من حياتي…

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البداية…
تبدأ قصتي في اسطنبول في عام 2016، ولم أسمع عن WordPress من قبل إلا من خلال لقاء أحد اصدقائي كان صحفيًا مشهورًا وترك وظيفته، وتعلم كيفية استخدام WordPress، وأصبح يعمل بدوام كامل كمستقل لبناء وصيانة مواقع WordPress.

تخرجت من كلية الاقتصاد والعلوم السياسية وعملت معظم مسيرتي المهنية في العلاقات العامة والتسويق الرقمي حيث لم يكن لدي اتصال أو معرفة بـ WordPress. عندما انتقلت إلى اسطنبول، أجريت مقابلة وحصلت على وظيفة في وكالة إعلانات وكان جزء من متطلبات وظيفتي هو إنشاء تقويم تحريري وكتابة وتحسين المدونات لـ GoDaddy.
كانت هذه هي المرة الأولى التي أدير فيها تقويمًا تحريريًا بنفسي، أنا أستمتع بالكتابة الإبداعية واضطررت إلى كتابة عدد لا يحصى من الأبحاث اثناء دراستي في الجامعة، ولكني لم أفعل ذلك بشكل احترافي. كنت متحمسة جدًا لفرصة تعلم شيء جديد. أتذكر جيدًا مشاهدة ساعات وساعات من مقاطع فيديو عن تحسين محركات البحث وأفكر في نفسي: هذا شيء صعب للغاية، يكاد يكون مستحيلًا، لم أكن أعرف الكثير في هذا الوقت.
قضيت حوالي 3 سنوات في إدارة المدونة كجزء من عملي واستخدمت WordPress كل يوم، تعلمت ببطء ما هي الاضافات، والقيام بتحسين محركات البحث، وحتى ساعدت في إطلاق المدونة باللغة العربية في عام 2019.
يجب أن أقول إنني استمتعت بهذا العمل كثيرًا وكنت سعيدة بشكل خاص عندما رأيت نتائج العمل الشاق الذي تم بذله للحفاظ على المدونة.

منتصف الحكاية…
بعد بضع سنوات انتقلت إلى GoDaddy كمدير تسويق ودربت فريقًا ليكون مسؤولاً عن المدونة وانتقلت إلى دور مختلف بمسؤوليات مختلفة. يمر عامان، وأنتقل إلى فريق جديد حيث أكون مسئولة عن نمو بعض المنتجات وكان WordPress جزءًا منها… ووردبريس نلتقي مرة أخرى!

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هذه المرة كنت أعمل مع WordPress بزاوية ومنظور مختلفين، ليس فقط كمستخدم، ولكن بالنظر إلى الجانب التسويقي والمجتمعي منه، وهذا عندما سمعت عن اللقاءات وWordCamps.
كانت صديقتي العزيزة مايا لوكنار أول من عرّفني على اللقاءات وWordCamps وشرحت لي كيف أن WordPress أكثر من مجرد CMS، إنه مجتمع. في أوائل عام 2023، طُلب مني أن أكون جزءًا من فريق GoDaddy الذي يذهب إلى WordCamp Asia 2023، ويجب أن أعترف أنني كنت قلقة.
لقد زرت العديد من الأحداث قبل ذلك، ولكن لا شيء مثل هذا الحدث، وبدأت في الاستعداد ليوم المساهم الأول على الإطلاق والWordCamp  في تايلاند.
أتذكر كلمات آدم وارنر المطمئنة لي قبل الحدث والتي ساعدتني على الشعور بالثقة والراحة. يجب أن أقول إنني قضيت وقتًا رائعًا في تايلاند، وكان المجتمع مرحبًا جدًا، وقابلت الكثير من الأشخاص الرائعين.
كانت مساهمتي الأولى لفريق التدريب، وفي ذلك الوقت أدركت أنه لا توجد مواد تدريبية باللغة العربية، مما جعلني أفكر في اللقاءات ومجتمعات WordPress للمتحدثين باللغة العربية.
عندما عدت إلى دبي، بدأت في البحث عن لقاءات في الشرق الأوسط، وبدأت في التواصل مع المنظمين على أمل إعادة المجتمعات إلى الحياة والمساعدة أو المشاركة في التنظيم إن أمكن. وقوبلت بخيبة أمل في ذلك الوقت لأن معظم هذه اللقاءات لم تعد نشطة (خاصة بعد COVID) ولم يكن المنظمون متحمسين أو كانوا مشغولين للغاية. أتذكر أنني تحدثت مع مايا حول هذا الموضوع، فقالت: لما لا تبدأي به بنفسك؟ شرحت لي مقدار الجهد الذي يجب القيام به وفكرت في ذلك. بعد بضعة أشهر بدأت لقاء عبر الإنترنت للمتحدثين باللغة العربية في جميع أنحاء العالم.
بدأ اللقاء منذ حوالي عام، وقد مر بتقلبات – كان هذا أيضًا عنوان حديثي الأول في WordCamp Asia 2024 في تايوان.

القصة لا تنتهي هنا…

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منذ أول WordCamp لي، زرت ثلاثWordCamps أخرى وحضرت العديد من اللقاءات وحصلت على صداقات حقيقية داخل المجتمع وتشرفت بأن أكون متحدثة في WordCamp Asia 2024. رحلتي لا تنتهي هنا، إنها مجرد البداية…

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The post Paving my way in WordPress through Communities appeared first on HeroPress.

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Explore the transformative world of the WordPress Contributor Mentorship Program with guest host Angela Jin and special guest and sponsored contributor Hari Shanker. Whether you’re a long-time WordPress enthusiast or new to the scene, this episode is packed with insights, stories, and tips to help you engage more deeply with one of the most passionate open source communities.

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Credits

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Guest host: Angela Jin
Guest speaker: Hari Shanker
Editor: Dustin Hartzler
Logo: Javier Arce
Production: Brett McSherry and Nicholas Garofalo
Song: Fearless First by Kevin MacLeod

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Show Notes

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Transcript

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[00:00:00] Angela: Hello, everyone, and welcome to the WordPress Briefing, the podcast where you can catch quick explanations of the ideas behind the WordPress open source project, some insights into the community that supports it, and get a small list of big things coming up in the next two weeks. I am your guest host, Angela Jin.

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Let’s go! 

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[00:00:30] (Intro Music) 

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[00:00:40] Angela: I am delighted to be guest hosting this episode of the WordPress Briefing and to talk about the Contributor Mentorship Program, a community-driven initiative in the WordPress space that is proving to really support contributor journeys. And joining me today is special guest, Hari Shanker, Five for the Future Program Manager. Welcome, Hari!

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[00:01:02] Hari: Thank you, Angela. Excited to be here.

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[00:01:04] Angela: Now, before we dive into the Contributor Mentorship Program, can you first tell me a bit about yourself? I’d love to know a bit more about your role as Five for the Future Program Manager.

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[00:01:16] Hari: Sure. So, my name is Hari Shanker. I live in India in a city called Kochi. And I’d like to share some context to explain what I do. I am a sponsored contributor working full-time on WordPress, and I have been contributing primarily to the WordPress Community Team full-time since April 2020, where I am a Community Program Manager, formerly known as a Super Deputy.

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Since September 2022, I have been working exclusively on projects that bolster the WordPress contributor experience. A key part of this work is my role as the Program Manager for the Five for the Future program, where my day-to-day work involves supporting and empowering companies and individuals that have pledged a part of their time to contribute to WordPress.

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[00:02:00] Hari: In parallel, I also lead the Contributor Working Group of the WordPress Community Team, which has the goal of making the contributor experience in WordPress the best it can be. Our recent focus has been on running an experimental contributor mentorship program as well. 

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[00:02:16] Angela: Excellent. Thank you. So, I was recently at Open Source Summit, and figuring out funding and commitments to projects was a very hot topic. And people were really interested in Five for the Future. And so, Hari, would you mind giving us a quick overview of what Five for the Future is, and how it aims to support the WordPress open source project?

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[00:02:44] Hari: Absolutely. The Cofounder of WordPress, Matt Mullenweg, launched Five for the Future in 2014 as a call to action for organizations and individuals who have benefited from WordPress, either the CMS or the community, to contribute up to 5 percent of their resources to the continued success of the WordPress project.

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[00:03:03] Hari: In 2019, this idea was formalized as a program with a pledging page that lives in the URL WordPress.org/five. Right now, this program attempts to foster generous collaboration towards the long-term health and stability of our project for the future. So, like any large and successful open source project, WordPress has a lot of big goals and tasks, not all of which can be accomplished by volunteers in that available time.

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Here’s where sponsored contributors come in. Sponsored contributors have more time, availability, and bandwidth to make an impact on a lot of these tasks. They also work on some routine but important administrative and housekeeping tasks that are essential to keep the project running smoothly. At this time, the program has 868 contributors from 183 companies, who have pledged 7,722 hours of contribution time per week for the program. I can also share that roughly 70% of contribution activity in WordPress is coming from these sponsored contributors. That is the Five for the Future program in brief.

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[00:04:15] Angela: Thanks, Hari. That’s incredible that so much of our contribution comes through sponsored time and clearly is very necessary to keep the WordPress open source project running. Wonderful. All right, well, I would love to dig into the Contributor Mentorship Program. Can you tell us a bit more about how this came to be? What is the Contributor Mentorship Program?

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[00:04:41] Hari: Oh, absolutely. It is one of my favorite programs and one of the best things that I’ve worked on personally. So, the Contributor Mentorship Program aims to onboard new contributors to WordPress by providing them one-on-one and cohort-based mentorship for a period of typically four to six weeks. The mentorship program typically coincides a major WordPress release.

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[00:05:04] Hari: And the idea behind the program is to help new contributors kickstart their WordPress contributor journey by providing them an in-depth overview of the WordPress project as well. To talk a bit about how this started, it all began in 2022-2023 when I started researching on the WordPress contributor experience. I discovered that there were gaps in the onboarding experience for new contributors. And I did some research on how we can solve this issue.

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Now, while those gaps can be fixed by improving the overall WordPress contributor onboarding experience through technical changes or changes in the program. Mentorship really stood out as an excellent solution to solve the problem. Based on my discovery from this research, I worked on revitalizing the WordPress Contributor Working Group of the Community Team. And together, our group we started working on building a mentorship program. We did a few months of collaborative discussions and brainstorming. And as a result, the group put together the idea for a pilot cohort-based mentorship program, which paired up 13 new contributors as mentees with one mentor each. The cohort worked together for four weeks, and 11 of these mentees graduated after making impactful contributions to the project, with over half of the cohort staying on to make long-term contributions. In fact, we just wrapped up the second cohort of the program in February 2024, which had 52 participants, of which 44 graduated from the program.

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[00:06:34] Angela: Amazing. Congratulations. And I speaking just for myself, I know how important mentorship was to, to a lot of my journeys, both within WordPress and outside of, and so I think it’s wonderful that we’re able to bring mentorship to this space. What sort of benefits are there to participating in this program, either as a new WordPress contributor or as a mentor? 

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[00:07:04] Hari: There’s a bunch of benefits for both new contributors and mentors in this program, starting with new contributors. First and foremost, new participants in this program they get to kick off their WordPress contributor journey by making initial contributions. So, in my mind, the biggest benefit that they get is they get a chance to actually make their first contributions in the area of their choice with help from a mentor. The other main benefit that I see is that these mentees or new contributors. They get to learn a lot about the WordPress project and how it works. They get to learn about the WordPress release process broadly. And in short, participants in this program also get a chance to network with and learn from experienced WordPress contributors.

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And finally, this program is a great opportunity for mentees or new contributors to pick up a lot of valuable skills that they can use in the real world. For mentors, they also get a lot of benefits from this program. In fact, to share another anecdote, some of our mentors they contributed for the first time to WordPress core in the last cohort.

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[00:08:14] Hari: So, that is also something that they also get to learn, which means mentors also get to learn new skills when they be a part of this program. So, for mentors, even they get to enhance their skills, they get to expand the network within the WordPress community, but in my mind, the biggest benefit that they gain is they gain fulfillment from guiding new contributors. And personally, as a mentor myself, it’s one of the most valuable thing that you can gain from such a program. That feeling of belonging, that feeling of, you know, fostering sustainability and innovation in the project. I also feel that mentoring new contributors is a great way to bolster your leadership and communication skills, which is extremely valuable in any professional context.

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[00:08:54] Angela: Absolutely. I definitely see that being able to share your experience and mentor others is a really valuable way to help the next generation of WordPressers be successful in our space. Now, you’ve talked a bit about what results you’re seeing from this program, and it’s really exciting to see that so many mentees are successfully graduating from this program. I’d love to hear more about the impact and results that you’re seeing from the mentorship program. Could you give us more details there?

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[00:09:32] Hari: Absolutely. So, I shared some numbers earlier. We had 11 mentees out of 13 graduating from the 2023 cohort and 44 outta 52 mentees from the 2024 Q1 cohort graduating. From the first cohort we have six of these mentees continuing to make impactful contributions to the project, but we have more encouraging results from the second cohort, in fact. So, ten of our mentees in the second cohort got props for contributing to WordPress 6.5, and one of our mentees was a noteworthy contributor. That’s about 22% of all the mentees. Fourteen mentees from the latest cohort, which is 31%, they have committed to join the WordPress 6.6 release squad. And the program actually gave eight new core contributors to the project, which includes mentors, as I mentioned earlier.

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[00:10:21] Hari: We did pre and post-cohort surveys, and the results are very interesting. I can definitely share some numbers here. So, we had a question on contributor familiarity. The familiarity of contribution for new contributors went up from 53% to 80%, that’s around 26% increase. The contribution confidence went from 57% to 82%, which is around 28%-29%. We asked if the mentees how many of these mentees were satisfied by the program. We heard that 88% of all the mentees were satisfied. 80% of mentees achieved their personal goals as part of the program. A key part of the program experience was that we asked mentees to create contribution plans to make future contributions.

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[00:11:06] Hari: 62% of our mentees actually made a future contribution plan. So which means, which is a 30, 60, 90-day plan. So, these mentees they’re gonna follow a plan to contribute to WordPress for the next three months. Finally, we also created a ton of learning materials for these mentees, and we are in the process of releasing them. So these are, most of these are videos, so we plan to release them in WordPress or TV and in the Learn WordPress platform. So, in my mind, seeing these mentees out in the world making impactful contributions that is the biggest impact that I’m seeing. So, having them in the project as long-term contributors. That is, in my mind, one of the biggest impacts that we’ve had from this program.

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[00:11:46] Angela: Yeah, that’s really incredible to see that new contributors to WordPress, upon joining this program, able to better navigate this vast ecosystem and make important contributions to our space. And that they’ve made these connections, so they are sticking around and staying with us and continuing to help us build WordPress. That’s incredible. 

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[00:12:14] Angela: Now, I understand that between the first cohort and the second cohort, the Contributor Working Group made some important updates and iterated on the cohort itself. And one of the big changes, I understand, was to design cohorts around contributor projects. I’m curious now that we’ve talked about how fantastic this program is. Are there plans for future cohorts, and what might those cohorts look like?

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[00:12:44] Hari: Absolutely. So, we have received a lot of interest in future cohorts. So, our working group just did a chat last week, and there was overwhelming positive interest and from all our working group members and other participants saying that we would love to be in a future cohort. So, short answer, yes, we will have a ton of these cohorts going forward. And we are, in fact, hosting a new cohort alongside WordPress 6.7. In October-November, 2024. And we will most likely continue to host at least one mentorship cohort every year. Ideally two, but I’m just saying one to make sure that we are sustainable. It is hard to predict how future cohorts will look like, but based on all the discussions our working group has had, I can definitely tell you how the next cohort is going to look like.

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[00:13:35] Hari: So, as per current plans, we will have around 20 to 30 mentees supported by mentors. And the cohort will most likely start early on in the 6.7 release process. The idea is that we would like our mentees to be more deeply involved in the 6.7 release as early as possible. We also plan to have a lot more learn-up sessions in the next cohort.

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One feedback that we heard was our mentees really enjoyed some of the learn-up sessions, and they would like these sessions to be scheduled in advance as much as possible so that they can attend as many of them as possible. So, more learn-up sessions.

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[00:14:14] Hari: And finally, you mentioned projects when you spoke of the latest cohort. We are going to double down on projects in the next cohort. So the hope is to have a host of projects for folks to work on and, ideally, have all mentees work on some project or the other. So, we had projects as an experiment for the earlier cohort. Some mentees did work on projects, while some they were broadly contributing. So, ideally, for the next cohort, every mentee in the program will be a part of some project or the other. It could be a small one. It could be a big one, but there will be some project of some sort for every mentee in the program, ideally. And finally, some contributors in our cohort, they received a scholarship to participate in the last cohort. We hope to expand that. We hope to provide more opportunities for scholarship for contributors.

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[00:15:05] Hari: I’m not sure how viable it is, but we did see that the folks who received scholarship, they got a chance to contribute more. So we would ideally like to provide more opportunities for scholarship, especially for folks from underrepresented backgrounds, so that they can contribute to WordPress and, you know, upskill as part of this program.

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[00:15:23] Angela: Fantastic. Well, hopefully, we have convinced our listeners today to get involved in the Contributor Mentorship Program. And so, if somebody wanted to get involved, either as a mentee or a mentor, how should they go about doing so?

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[00:15:42] Hari: That’s a great question. We have not opened up signups for mentors and mentees for the next cohort yet. As I mentioned, it’s going to happen later this year. However, those interested in the next cohort of the program can comment on the post. I think we can share the link in the show notes. We just published a post announcing the graduation of our mentees, and we had asked folks who are interested in joining the next cohort comment there.

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[00:16:07] Hari: So if you’re interested in joining the next cohort, either as a mentor or a mentee. You can comment on that post. Alternatively, you can also DM me. If you’re not comfortable commenting in a public space, my name is Hari Shanker. I am Hari Shanker, which is H-A-R-I-S-H-A-N-K-E-R. That’s my username in the Make WordPress Slack. You can DM me there expressing your interest, and I will make sure that we send you the call for interest form when it’s published.

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Additionally, and this is especially to all the mentor applicants, we have a Contributor Working Group, which meets every third Thursday of the month in the Community Team channel on a text chat. It’s called a mentorship chat. It happens every month, and you can find a link to it in the Make WordPress meetings, P2 blog. So, if you’re interested in being a mentor, or if you’re interested in building the Contributor Mentorship Program, or contributing to the Contributor Mentorship Program, I would invite you to join our chat. So, the next chat is being held in May. Please join our next chat. That’s also a great way to contribute to this program, especially if you are interested in being a mentor. 

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[00:17:10] Angela: Wonderful. Thank you so much for joining me today, Hari. It’s been a pleasure.

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[00:17:16] Hari: Thank you. It’s been an honor, and thank you for inviting me to be a part of this program. 

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[00:17:19] (Music interlude) 

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[00:17:27] Angela: And now it is time for our small list of big things. We’ve got three things for you this week.

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The first is a proposal to explore the Support Team contributor ladder. If you are not familiar with the concept of the contributor ladder, it is based on the five stages of volunteering, which examines how a volunteer gets onboarded and steps into progressive roles. By thinking through the contributor ladder, Make WordPress teams are able to improve onboarding, engagement, and connection with contributors and generally improve the health of their team. If this is of interest to you, we have a great overview post about the contributor ladder, and you can see the discussion in action over on the Support Team. 

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[00:18:14] Angela: Second, is that the WordPress Foundation has just announced the Kim Parcell Memorial Scholarship for 2024. This scholarship is in honor of Kim Parcell, an incredible long-time contributor, and is awarded to a current WordPress contributor who is a woman, has not previously attended WordCamp US, and requires financial assistance to attend this year’s event. The scholarship will provide travel assistance for the recipient to attend WordCamp US this year in Portland, Oregon, and covers travel from your home city, hotel, and your ticket to the event. The application is open through May 30th, and you can apply on the WordPress Foundation page. 

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Third is a reminder of our next big WordPress event, WordCamp Europe, which will be in beautiful Torino, Italy, June 13th through the 15th. You can still get tickets on their website. If you can’t make it to Italy, never fear. This time of year sees a good number of WordPress events around the world, and they are a great way to connect with WordPress friends and hear all about the latest and greatest in WordPress. You can go find upcoming events on events.WordPress.org to see what events are happening in your area. If there isn’t a WordPress event near you, you can become an organizer and start hosting events locally. 

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[00:19:42] Angela: And that, friends, is your small list of big things. Don’t forget to follow us on your favorite podcast app. Or subscribe directly on WordPress.org/news. You’ll get a friendly reminder whenever there’s a new episode. If you liked what you heard today, share it with a fellow WordPresser, or if you had questions about what you heard, you can share those by emailing WPBriefing@WordPress.org. I am your guest host, Angela Jin. Thanks so much for tuning in today for the WordPress Briefing. In a couple of weeks, Josepha will be back as your regular host for the next episode. 

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[00:20:21] (Music outro) 

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Passkeys are leading the charge in transforming how we secure our digital identities. 

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This article offers a comprehensive exploration of passkeys – breaking down their mechanics, illustrating their advantages over traditional passwords, and showcasing their role in the next wave of secure online authentication. 

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Whether you’re a developer, IT professional, or simply tech-curious, join us as we explore the ins and outs of passkeys, providing practical examples and guidance on how to implement them for a safer, smoother online experience.

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What are passkeys?

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A passkey is a secure method that distinctly identifies a user through advanced mechanisms that go beyond the traditional “something you know” attribute of passwords. Instead, passkeys encompass facets like “something you are”, like biometrics, or “something you have”, such as a physical security key. 

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Example of biometric authentication

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Using passkeys for your websites and platforms gives visitors an easy way to verify their identity without typing complex passwords, replacing them with unique and often temporary credentials, enhancing security and user experience.

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These tokens often come in the form of unique, time-sensitive codes that protect online spaces against unwanted entries. The most common types include facial and fingerprint recognition, complicated designed patterns, or secure PINs, which are often specially generated for this specific login attempt. 

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There are many advantages to integrating passkeys:

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Passkeys are built on FIDO standards

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​​Short for Fast Identity Online, FIDO is a global authentication standard designed to reinforce and simplify the digital authentication process, making it simpler for users and more secure against threats. 

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These standards are based on public key cryptography and have played a crucial role in encouraging the adoption of passkeys by ensuring they comply with rigorous security and ease-of-use criteria.

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Through the integration of FIDO protocols, such as U2F (Universal 2nd Factor) and WebAuthn, passkeys benefit from an advanced security infrastructure. U2F adds a layer of protection by involving a physical security key in the authentication process, while WebAuthn allows for the registration and verification of users on web applications through biometric data, mobile devices, or FIDO security keys, moving away from password reliance.

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This combination of passkeys with FIDO standards has significantly improved digital authentication, making it safer and more user-friendly. 

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Understanding the user flow with passkeys

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Passkeys are revolutionizing the way we authenticate, making logging in smoother and more secure. Imagine the ease of entering a secure system or website without the hassle of remembering complex passwords. Here’s a simple breakdown of how a typical passkey authentication process works. 

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  1. Registration: First, a user chooses to create a passkey for a service. This often happens during the initial sign-up or through a settings menu for existing users. The user confirms their identity through a verification method, like an email link or a text message code.
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  2. Creating a passkey: The system prompts the user to authorize the creation of a passkey. This can be done using a device’s biometric features (like a fingerprint or facial recognition) or a PIN. The passkey is then generated and securely stored on the user’s device, as well as with the service, but in a way that the service can’t see the passkey itself.
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  3. Authentication: When returning to the service, the user is prompted to unlock their passkey, again using biometrics or a PIN. The device then communicates with the service, confirming the user’s identity without transmitting the passkey. This seamless interaction ensures that the user’s credentials are never exposed to potential theft.
    4. \n
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How passkey authentication works

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  1. Cross-device usage: Passkeys can also be used across different devices, thanks to cloud synchronization, making authentication even more convenient without compromising security.
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This flow stands out from traditional passwords by eliminating the need for users to remember anything or enter credentials manually, reducing the risk of phishing or password theft. Besides that, because the authentication is tied to the user’s device and/or biometrics, it significantly enhances security.

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Exploring real-world examples of the Passkeys experience

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iOS, Android, and desktop recognition 

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On mobile platforms like iOS and Android, the experience of using passkeys is designed to be incredibly intuitive. When users attempt to log into a service that supports passkeys, the operating system prompts them to authenticate using a method they are already familiar with, such as a fingerprint, facial recognition, or a PIN. 

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A lot of modern laptops, both Apple and Windows, include a fingerprint scanner in the power button, and since 2015, Windows laptops have started including facial recognition, as well. Until a few years ago, this was a function only available for mobile devices. 

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For example, this is how the prompt looks on a Mac laptop when trying to access information behind a security wall, such as the Google Password Manager. 

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Touch ID option on a Mac computer

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In the device’s settings, people can specify where they want to use this type of recognition. For instance, these are the settings for Face ID on an iPhone. 

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iPhone Face ID settings

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This seamless process eliminates the need to type in usernames and passwords, offering a secure and streamlined login experience directly integrated into the device’s ecosystem.

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LastPass

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LastPass Passwordless Vault service page

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LastPass is a popular password manager that has embraced passkeys, providing a user-friendly interface that simplifies the shift from traditional passwords to passkey authentication. Users can generate and manage their passkeys within the LastPass app, which then facilitates easy and secure access to various services. 

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Google Passkey

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Google Passkey homepage

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Google has been at the forefront of implementing passkey authentication across its services. Users can create a passkey for their Google Account, which then allows for swift access to Gmail, Google Drive, and other Google services. 

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Why developers, users, and businesses prefer passkeys over passwords and MFA 

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Over the past few years, more and more developers and businesses prefer passkeys over traditional passwords and Multi-Factor Authentication (MFA). Let’s see why. 

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They’re safer

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Traditional systems are very vulnerable. For example, in 2021, the New York City Law Department experienced a significant cyberattack, where attackers accessed sensitive data, including city employees’ personal information, police misconduct evidence, plaintiffs’ medical records, and the identities of minors charged with crimes, through a single employee’s compromised email password. 

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Passkeys, on the other hand, are immune to common threats like phishing and keylogging, as they do not transmit sensitive information that can be intercepted or deceitfully obtained. 

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This is possible because passkeys use public-private key cryptography, a method far superior to the conventional password system. Unlike passwords, which rely on a shared secret known by both the user and the service, passkeys work by creating a pair of keys: a private one that stays with the user and a public one stored on the server. So, even if a server is compromised, attackers cannot impersonate the user without access to the private key.

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They’re easier to use

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Passkeys significantly simplify the user experience. People don’t need to remember complex passwords, manage multiple credentials, and constantly reset passwords. 

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Instead, they gain access with just a tap or a biometric check, making the process not only quicker but also more enjoyable. This simplicity and speed appeal to tech-savvy individuals and those less comfortable with technology, expanding the accessibility of secure online services.

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They result in more conversions

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The frictionless nature of passkey authentication reduces dropout rates during the signup process and encourages higher user retention by removing common login-related frustrations. This ease of use can significantly boost conversion rates, as users are more likely to complete sign-up processes and continue using services that offer an effortless access method. 

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Furthermore, by adopting passkeys, companies can distinguish themselves from competitors, offering a modern and secure authentication solution that appeals to privacy and convenience-conscious consumers.

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They can be used for single sign-on purposes

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Passkeys seamlessly integrate with Single Sign-On (SSO) solutions, enhancing both convenience and security. SSO allows users to access multiple services or applications with a single set of credentials, reducing the burden of remembering numerous passwords. 

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By incorporating passkeys into SSO frameworks, users enjoy an even smoother login experience across various platforms, with the added benefit of heightened security. 

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This integration not only simplifies user access but also bolsters productivity and security for businesses by minimizing the potential attack surface for cyber threats.

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It’s time to enter a passwordless future

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By the end of this article, you’ll have understood what passkeys are – and more importantly, you’ll hopefully agree that it’s time for passkeys to trump passwords once and for all. 

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At Gravatar, we’re paving the way for a more open, connected, and user-centric internet – and our approach to profile management lets you build a complete digital identity management solution along with your passkeys authentication service. 

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With more than 20 years of serving as people’s globally recognized avatar, Gravatar allows users to create profiles that serve as universal identifiers across any website or web application that integrates with Gravatar’s API. This minimizes the need for users to manage data across different platforms and also minimizes the need for you as a developer or website owner to store user data directly. 

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So, if you’re looking to enhance your site, app, or online store, discover more about how you can integrate Gravatar and join the movement toward a more secure, efficient online experience for everyone. 

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\n

[00:00:00] Nathan Wrigley: Welcome to the Jukebox podcast from WP Tavern. My name is Nathan Wrigley.

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Jukebox is a podcast which is dedicated to all things WordPress. The people, the events, the plugins, the blocks, the themes, and in this case, inclusivity in web design decisions.

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If you’d like to subscribe to the podcast, you can do that by searching for WP Tavern in your podcast, player of choice. Or by going to WPTavern.com forward slash feed forward slash podcast. And you can copy that URL in to most podcasts players.

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If you have a topic that you’d like us to feature on the podcast, I’m keen to hear from you, and hopefully get you, or your idea, featured on the show. Head to WPTavern.com forward slash contact forward slash jukebox, and use the form there.

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So on the podcast today, we have Maestro Stevens.

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Maestro is an international speaker and managing director of The Iconic Expressions. His areas of expertise include digital marketing, brand strategy, web development, and project leadership.

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In this episode, Maestro lays out the case for how inclusivity is not just something that we need to be concerned about at things like events, but also in our WordPress website designs.

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Maestro recently gave a presentation at WordCamp Asia entitled unlocking universal creativity, the future of inclusive WordPress design. He wants to get people to think about making design choices with inclusivity in mind so that they’re representative of various cultures and varied backgrounds.

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Maestro reveals the challenges and the pushback he is faced on his journey, telling us about the struggles and support he’s found within the community.

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His approach includes utilizing AI to create unique imagery, reflective of a diverse population, and how he sees this as something new in the industry.

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The discussion also gets into the practical side as well, with Maestro outlining some of the technical aspects and future plans for his ideas, extending an open invitation to listeners who wish to contribute or learn more.

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If you curious about the intersection of creativity, representation, and the WordPress ecosystem, this episode is for you.

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If you’re interested in finding out more, you can find all of the links in the show notes by heading to WPTavern.com forward slash podcast, where you’ll find all the other episodes as well.

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A quick note, before we begin, this was recorded live at WordCamp Asia. There was quite a lot of background noise to contend with, and I’ve done my best to make the audio as easy to listen to as possible.

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And so without further delay, I bring you Maestro Stevens.

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I am joined on the podcast by Maestro Stevens. How are you doing?

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[00:03:16] Maestro Stevens: I’m doing great. I’m doing excellent.

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[00:03:18] Nathan Wrigley: Very nice to have you with us. We’re at WordCamp Asia. We’re in the venue. Maestro is joining me on the second day of the conference, so it’s the third day, including contributor day. You’ve already done your presentation, which I think you did yesterday?

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[00:03:32] Maestro Stevens: Yes I did.

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[00:03:32] Nathan Wrigley: It was entitled Unlocking Universal Creativity, the Future of Inclusive WordPress Design. We’re going to get into that, and have a conversation around that subject in a moment. Before we do that, Maestro, will you just spend a minute telling us who you are, and what your WordPress journey is, your relationship with WordPress.

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[00:03:52] Maestro Stevens: And all I have is a minute, Nathan?

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[00:03:53] Nathan Wrigley: Just one minute. Just a minute. The clock starts, no. As long as you like.

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[00:03:59] Maestro Stevens: Well, first of all, thank you for having me again. This is an honor. And for us to be in person is another honor. As you mentioned, my name is Maestro Stevens, the fresh prince of WordPress. And my whole goal is bringing a fresh perspective to those who have a misunderstanding of what WordPress is.

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In my spare time, I love to cook. I used to be a chef, in another life. I have a daughter. I love technology. I love creating opportunities. I love creating dreams for people, bringing people to WordCamp for the first time. That’s my spiel.

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[00:04:31] Nathan Wrigley: Well, that’s really nice, and you’ve missed out something, which is that you’re also really into audio. And we spent a good 10 minutes before we hit record, just obsessing about the equipment that we’ve got. Which, as you can probably hear, dear listener, is not as good as it could be. But it’s what we’ve got. It’s portable, and it will do the job.

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So tell us about the talk. Give us the nitty gritty on why you chose that title. What was it all about? And we’ll have a journey, a conversation, and dig into it.

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[00:04:58] Maestro Stevens: Yeah. Well, I got a confession to make. The title is a little bit of a hook. You know, it’s nothing new that we don’t do. However, it’s still authentic, in as far as the presentation is concerned, mainly because I wanted to bridge the gap with helping people understand that, when it comes to diverse creators, people from ethnic backgrounds or different backgrounds, such as WordCamp Asia, that accessibility can be used interchangeably with the word inclusivity.

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Because when you are making things accessible, you’re saying, I want to include others. And sometimes we separate those two terminologies. They have different meanings, but they are cousins or, you know, family related. So I really wanted to help people understand that our platform, Iconic Templates, which is what I was talking about yesterday, is a platform created for those who want to be included, and need to access certain tools and solutions, that typically would normally not have access.

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[00:05:50] Nathan Wrigley: What you’ve just described, is this something that you find important on a personal level? Is this a journey, not just in the WordPress space? Is this something that you, I was going to use the word preach, but that’s the wrong word, adjacent to preach. Is this something that you talk about in other spheres as well?

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[00:06:05] Maestro Stevens: Yes. I would say, well, one, to answer your question, it is a passion of mine. I ran into a lot of issues myself. I think us business owners, and entrepreneurs, and creators, a lot of the problems that we solve for others, stem from us. And something that I would say I did not see a lot of, when I was looking at something as templates on the internet, and I’m not going to point out any particular company but, you know, there’s just a lot of templates that I saw, that didn’t have imagery and representation that reminded me of me.

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You know, I know it’s controversial, because I’ve got some backlash from this in certain communities. People are just going to take the content out anyway. They’re going to replace the images and replace the things. But the reality is, people want to see them. They want to hear them. They want to know that the company, that’s creating tools for them, thought of them in mind. Hey, we’re going to make this thing, and then we’re going to slap on some stuff.

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Whereas, we’ve created everything. We’ve created with certain cultures, and certain industries in mind. From not just the imagery and the content, but even the structure and the layout. So we are coming from the forefront, and not the aftermath of adding others.

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[00:07:10] Nathan Wrigley: It sounds, from what you just said, as if there’s been a little bit of pushback from certain people. Is that the minority? Do you find WordPress, as a community, I mean obviously that’s a bit of an umbrella phrase, and you know, it’s made of millions and millions of different people. But, do you find the WordPress community, on the whole, receptive to what you are saying? Or is it more a case of, you are having to push back, and explain yourself over and over again, and being challenged and pushing back?

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[00:07:37] Maestro Stevens: Well, Nathan, yes. I’ve been challenged a lot. To be transparent with you, when we launched a year and a half ago with this platform, inside of a couple communities, very small, we had good reception only because I made an adjustment, because I got scared.

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The first thing that happened, when I said I’m going to create this platform for diverse creators and BIPOC communities, people, for lack of a better term, did not like that. They gave me a lot of negative feedback. So what I did is I said, okay, well let’s create the platform for everybody.

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I spoke at WordCamp Europe. Then I spoke at WordCamp US. Now I’m here speaking at WordCamp Asia. And I realised that there are a lot of people that do want to see, I would say the type of, not product, but the type of solutions, and the type of representation. But I had to meet these people in real life, and I had to learn my tribe. And every WordPress community is not your tribe, even if they, quote unquote, liked your product before.

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[00:08:34] Nathan Wrigley: Do you get a sense that this is a case of the quiet majority who don’t speak up to support what you are doing? Do you get that feeling? Because it sounds like, when you’ve come to these events, you have met kindred spirits, people who are aligned with what you are aligned with, but you had to go and find them. Which kind of tells me they were always there in the first place, but they didn’t let you know that they were there.

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So is it a case of that? You know, people just keeping quiet and putting their head under the parapet, to dodge the proverbial arrow.

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[00:09:02] Maestro Stevens: Yeah, I think it’s a little bit of all that. And it’s crazy that I’m learning how to, I don’t want to say play the game, but be careful on the things that I say, because I can be very outspoken at times. That’s a gift and a curse, in some ways.

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So with that being said, I do think that it is, when you say the word minority and majority, there are people that are afraid to speak up, and there are people who don’t want to speak up, because it will ruin their opportunities and their, what they’ve gained, I guess, growing in the ladder of WordPress.

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Because there’s gatekeepers in WordPress. You know, there’s people that you have to appease in certain ways. And there’s people that don’t want to hear your voice all the time. So I do think, to your point, when you think about it, the majority versus the minority, it’s a little bit of all. But I do think there’s a lot of people who are afraid to say something, and there’s people who don’t want to say something, because they don’t want to ruin what they have.

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[00:09:51] Nathan Wrigley: That sort of feels a bit upsetting really though, doesn’t it? On some level, it feels like that’s a bit of a shame. But you’re right. We definitely have some strong characters in the WordPress community.

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Are you talking about being online? So in, you know, groups, on various different platforms. Is it that kind of community that you’ve been involved in?

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[00:10:09] Maestro Stevens: Yes.

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[00:10:09] Nathan Wrigley: Yeah, okay. And there are some definite characters, aren’t there? And some people who have fairly loud voices.

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[00:10:14] Maestro Stevens: Yes.

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[00:10:15] Nathan Wrigley: Okay. So you’ve made the effort to come out and speak about these things. At these events, have you felt that you’ve had a nice reception? Has it been a different experience?

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[00:10:24] Maestro Stevens: Good question. I would say, not to be redundant, but a little bit of both. Going to WordCamp Europe was an eyeopener. Athens, Greece, I mean, well, one, not a lot of people that live there that look like me. I stood out immediately, just from that perspective. And then actually going to WordCamp itself, where we’re told that they are looking at it from an inclusive lens and, you know, we want to involve everybody, make everybody feel comfortable.

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When I actually got in the venue, in the building, I thought that the stares were going to stop. You know, I thought that the looks were going to stop, and they didn’t all stop. And that’s not everybody, but it was quite obvious, and quite a few. But I will definitely say, when I did my presentation, those people who joined the presentation showed love. When I did a presentation yesterday, those who joined showed love. I’ve been seeing random people say, hey man, I saw your presentation yesterday. I didn’t even know they did.

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And then I got way more questions than I ever would’ve thought I would’ve gotten, because people were like, oh, he’s not afraid to talk about this. And so they’re raising their hands and they’re saying, well, what do I do? I’m hearing that from people from all across the world. And I love that. So that, to me, is what sticks out more than anything. The rest of the nonsense, for lack of a better term, I’m striving to kind of let that go.

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[00:11:35] Nathan Wrigley: Do you feel safe in these spaces?

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[00:11:38] Maestro Stevens: Hmm.

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[00:11:38] Nathan Wrigley: It’s not an immediate yes.

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[00:11:41] Maestro Stevens: No, it’s not immediate yes.

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[00:11:42] Nathan Wrigley: Yeah. I mean, we don’t have to go down that path if you don’t wish to. But I am curious, because we are quite good as a community at congratulating ourselves, on how accommodating we are. And we definitely have people, and I know that you know many of the people that I’m not going to name, but you probably will intuit who I’m talking about, who fight this fight, and they make the effort.

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But it is interesting to me that despite all of that, there’s still, it sounds like considerable amounts of work to be done. The example of WordCamp Athens that you’ve just described, that doesn’t sound like a particularly pleasant experience that you had there.

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[00:12:19] Maestro Stevens: I’m grateful that I had the opportunity to even go. That changed my life. I encourage anybody who is thinking of getting a different perspective of life in the world, it doesn’t matter what kind of pushback or resistance that you get, travel. Travel to places that you would’ve never been before. Even if you’re going to get looked at, and stared at, and feel uncomfortable, because you’ll learn to be comfortable with being uncomfortable, which will give you a different perspective.

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So, to your point, and going back to the whole safety aspect of things, I would say I don’t always feel the safety net that I would love to be able to speak up. I will say that, for the most part, going to Athens, Greece, as an example, it reminded me of WordPress is also a reflection of the world too, to a degree. We still have some work to do in the world, you know, everywhere. And WordPress is doing what it can to help mitigate that. But I do think, to your point, there’s a lot of work to be done.

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And just really quickly, I’ve called out some founders. And when it came to certain issues or certain things, to help support me and back me up, and I’ve noticed that they’ve chose profit over passion, you know, over mission. And the funny part is, the data shows, because I’m a data analyst, you know, I have an agency as well too. Data shows that most people, they want to purchase, and they want to deal with brands that actually are mission based. How ironic is that.

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So it’s kind of a catch 22 that, you know, there’s these founders that don’t want to touch certain issues. Most people purchase based on, is there a mission, a value, the reasons? They’re not just purchasing on quality, you know, things like that. It’s, who is behind it? Why are they doing it? What are they doing it for?

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[00:13:57] Nathan Wrigley: Yeah. It’s interesting, I often end up at the about page, soon after I’ve gone to the pricing page, because I do want to know about the company that I’m buying the plugin, or whatever it may be. And it, yeah, it does play a certain part.

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I’m going to ask this question. Feel free to ignore it, because I don’t know what pitfalls there may be inside this. Does geography play a part in this? Do you find that you can have this conversation more easily at home, for example, in the US? Is it a conversation that’s being more advanced, more acceptable to have, more straightforward?

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We’ve obviously mentioned Europe, we’ve got Asia, there’s different complexities. They’ve obviously got their own things going on. But, do you notice that geography plays a part in this?

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[00:14:36] Maestro Stevens: Yes, I think so. And I had some conversations today with a couple other founders from East Asia, and it was great to hear that I’m, they’re from a different country and different culture. They’re saying they find the same issues. I’m like, so I’m not crazy. You know, it’s not an American thing, you know what I mean? It’s not a US thing. It’s an everywhere thing, and global positioning does play a part in it.

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However, I am grateful that WordPress has people like yourself, and people that are, I would consider allied. Creating platforms where people like me can talk, and speak about these issues, because otherwise people are normally just trying to kind of suppress the conversation.

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[00:15:13] Nathan Wrigley: Yeah. It’s interesting, isn’t it? Because, we’ve talked for probably about 15 minutes so far, and it feels like we might have been being very negative, but I’m not feeling that really. I’m feeling more like there’s a lot of goodness in the WordPress community, but no community is a hundred percent perfect, and there’s work to be done. And you have had experiences which are real. They happen, they existed. You’ve talked to these people, and you’ve got these receptions, so it needs to be addressed.

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Your product, you’ve said, tries to address this. And I’m curious as to how templates, parts of a website, how we can map the conversation that we’ve just had, over to a product. So tell me about that. I mean, you alluded to it a little while ago, but just really flesh out what Iconic Templates is, and what it does, and why it’s different.

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[00:16:04] Maestro Stevens: I love this question, because it helps give me a different perspective of, how do I define it? And I’m learning, you know, based on the reception. I would say, for the most part, our goal with Iconic Templates, and this is the reason why some of our product lines have the word universal in them. For example, universal template themes, universal template library.

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I believe that a big problem in the WordPress ecosystem, and in other ecosystems, is that a person says, hey, I like that look. I like that style, but I don’t use that tool. And so what we are trying to do, striving to do, because Yoda says, you do or you don’t, there is no try.

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So what we’re striving to do is bridge that gap for people to say, you’ve made a style or a look that fits me. Whatever it is they do, whatever industry, vertical they’re in, whatever ethnic background they have. And they’re like, but I use the classic editor still, I don’t use full site, or I use the page builder. Do you have that look and that style in the page builder that I use? Do you have that look and that style with a plugin that I use? You know, there’s email plugins, there’s form plugins, there’s automation plugins.

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So what we’re striving to do with Iconic Templates is create this universal tether. An ecosystem where you’re saying, I like that look and that style, but I may want to use this plugin versus this plugin. I want to use this theme versus that theme, but I want to keep the theme.

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[00:17:25] Nathan Wrigley: So, if we were to go to iconictemplates.com, and we were to look at your, I’m going to use the word library, because I think you said that, your library of patterns.

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[00:17:34] Maestro Stevens: So for instance, we have a library called Uni-Blocks. And so our Uni-Blocks library is block patterns. Keep it short and simple. Our Uni-Blocks library currently is created with Kadence Blocks, for example. So our next step would be creating it with Elementor widgets or Spectra, for example. That’s pretty much what we’re doing.

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[00:17:53] Nathan Wrigley: What would I be seeing? I’m imagining I’m on the website, I know we’re doing audio, so it’s very hard to do this. Bear with us, we’ll try and get there. What would I be seeing that would be different from what I might see elsewhere? How would you explain the visual difference of what I might see with what you’ve got, than what other companies bring to bear?

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[00:18:12] Maestro Stevens: Well, one, you’re going to see a lot of imagery of black and brown people, and people from other ethnic backgrounds. You’re going to see a lot of that. Two, you’re going to see a little bit of, we’ll say nerdiness, geekiness, mixes with cool, intentionally mixed with some coolness.

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I have a background where, I love Hip-Hop. I haven’t seen anybody infuse Hip-Hop into their template platform. So when you go on our platform, you’re going to see these backgrounds. I said this in my presentation yesterday, one of my favorite artists is Jay-Z. And when we first started the platform, I didn’t know who I was. So we made our color scheme with a whole bunch of colors, all over the rainbow.

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And I can’t make this up, one day this is going to be a famous story, but it was a reflection of who I was. I didn’t have my identity intact, so our company and our brand didn’t have its identity intact. It came to me in an epiphany, in a eureka moment. I was working with my designer Dessa, and she needed more inspiration from me, on how to create this design, or layout for our site.

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I was stuck. I had a dream. I was like, man, who’s my favorite artist? Oh, Jay-Z. What album did he make that’s one of my favorite albums? The Blueprint. Aren’t templates blueprints, aren’t we as people, blueprints? So then I was like, oh, it’s blue, and the color of blue is solidarity. There’s meanings behind blue. And most companies use blue. You know, a lot of tech companies use blue.

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So I said, what is the odds of that? That tech companies use blue, one of my favorite artists has an album called The Blueprint, and we are blueprints for others. So when you go to our website, you’re going to see a blue background with little templates. And that was inspired by Jay-Z’s album, The Blueprint.

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[00:19:46] Nathan Wrigley: And so, you mentioned the imagery is a big part. You’re differentiating yourself by going out, and deliberately finding images, which represent the entire world. Does it also stretch to text? Are you surfacing text that you think is aligned in this way as well?

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[00:20:02] Maestro Stevens: Well, Nathan, here’s the thing, I’m going to blow your mind here. One of our big value propositions, or values, is transparency. So, I say our process is a template, our website is a template, and we offer templates. What do I mean by that? Everything we’ve done, I’ve intentionally done in a way that can be duplicated for others. We’re going to teach from that. The process is a template.

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People can go to our website, and literally look at our website and say, I want to copy what you’ve done. And what most people don’t know is, every image you’re going to see, is made with AI. We do a lot of experimentation. So we use Midjourney, for example. So you said the word find, no, we didn’t find, we created, generated, based on words, based on the text. So there’s not a single image on that website that you will see, that you will find anywhere else, in any stock library.

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[00:20:47] Nathan Wrigley: Right. So it’s unique. It isn’t from a stock library.

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[00:20:50] Maestro Stevens: Not at all.

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[00:20:51] Nathan Wrigley: How has the platform launched? Since the moment you went public with it, and you’ve put it out there, how has the reception been? I mean, I’m guessing by the fact that you are here in WordCamp Asia, and obviously are making a living out of this in some way, shape, or form, it must be going all right. But I don’t know, you tell me.

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[00:21:06] Maestro Stevens: Well, we’re still in the beginning stages, I’ll say that. So I’m still learning to simplify things. One of our biggest problems that we had with our templates, which I’ve talked to a couple founders today, who are going to help solve this problem, I’m grateful. But it was cumbersome for people to import our templates.

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So even though we have these different solutions, where you can import our form templates, email templates and automations, you had to do it all one by one. But we’re going to create a plugin, or a solution, where it’s a one click, you just click the button and you get to import everything.

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So I’m saying this to say that, our reception, I can’t give a direct answer with that just yet, because I haven’t had enough time being able to get feedback. The feedback that I have gotten has been really well. But I’ve also gotten feedback that let me know, hey, you’ve got some room to grow. And so we made changes based on that.

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[00:21:52] Nathan Wrigley: Is there any element of this which is a community project? Because obviously you’ve built a company around it, or you’ve adapted, you know, it’s a part of your other companies. But do you welcome contributions or ideas? Do you have a form out there, where people can give you suggestions?

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[00:22:07] Maestro Stevens: Heck yeah. I’m getting ready to work with another designer, a designer from BlackPress, shout out to Wyn. Anybody else who wants to contribute, involve, collaborate. I know I would appreciate it, I know my designer Dessa would appreciate it. Some help, you know, from others.

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And the reason why I say that is because, to be, again, transparent, she’s from the Philippines. So to have a person who’s from a different country create imagery, or create designs for another culture, for people who are not them, it could be a little difficult.

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[00:22:35] Nathan Wrigley: Right.

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[00:22:36] Maestro Stevens: So I want to bring some authenticity into it. For instance, I want to bring people from their own countries, and their own cultures, to help tell me, hey Maestro, you need to do this with that. That’s not what my people like. You may be reading the blogs, and reading things, and watching videos, but that’s not what we look like. That’s not what we do. So I need people like that, so that way we can be authentic when we’re representing them.

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[00:22:57] Nathan Wrigley: Where would you signpost people to go in the WordPress community? If things that you’ve mentioned so far have turned a light on with them, and they think, oh, this is something I could get involved in. I think I’ve got a voice that would help Maestro out. This is something that I’m aligned with. What kind of places would you go? Maybe that could be, I don’t, Slack channels, or it could be something different. It could be an individual who you’ve been impressed by, who you thought, okay, they’re really perfectly aligned. Tell us where to go.

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[00:23:26] Maestro Stevens: BlackPress is one of the communities that I’m heavily involved in, and I respect, because the founders are aligned with a lot of my views. There are other communities as well, that I’m discovering that could be as much of an intricate part in our mission, in our journey. However, I don’t know enough now to say, you know, all those communities are, at this point in time. And the communities that I thought were that, I found out they’re not that. Right now I’m in a little bit of a transition of, who are my communities and tribes that I can pull from and find?

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[00:23:57] Nathan Wrigley: But we can certainly, when we round off this podcast, we can reference you. And people can come and find you and, you know, maybe it’s a year from now, and you’ll have had a more solid idea of where you would want people to go.

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It sounds to me like you’re at the beginning of this journey then. You’re still trying to crystallise everything. You’re still thinking about the roadmap, you’re still figuring it out, and all of that. Where would we go if we wanted to find you? What’s the website? I think I mentioned it, but tell us again. What social channels, email address, whatever you want to share, where can we find you, Maestro?

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[00:24:27] Maestro Stevens: Well, at this moment in time, you can just go to the website, and go to our contact page. If you really care, and you want to be involved, we have a nice form there. You know, I strive to make it as welcoming as possible for people. Or you can contact me on LinkedIn. So it’s either iconictemplates.com, you can find me on LinkedIn, Maestro Stevens, is a one of one. I don’t think there’s anybody else in the world with that name. So you can either Google me, you can LinkedIn, you can go to the website Iconic Templates, or you can send a bird, you know? We can go old school, send a pigeon.

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[00:24:59] Nathan Wrigley: Is there anything we missed? Do you want to say something that we missed out on?

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[00:25:01] Maestro Stevens: I think you hit a lot of things on the nail. I just want to say that it is great to be here to see you in person. I don’t know how long it was. Maybe, it feels like a year where.

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[00:25:10] Nathan Wrigley: I think about a year.

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[00:25:11] Maestro Stevens: Yeah, Yeah we had our first interview online. So now, a year later, we’re meeting in person. It just shows how you just never know, and showing up is half the battle.

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[00:25:20] Nathan Wrigley: Yeah. I love events like this. I get to meet fabulous people much like yourself. So, Maestro, thank you very much for chatting to me on the podcast today. I really appreciate it.

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[00:25:29] Maestro Stevens: Thank you, Nathan. I really appreciate you. You’re doing a great job with your podcast, with your platform. You are consistent. You are a working horse.

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[00:25:38] Nathan Wrigley: I just wish had a better microphone at this event. But you can teach me all about that when we switch this one off.

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[00:25:43] Maestro Stevens: I’m going to give you some tips.

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[00:25:44] Nathan Wrigley: Take care, Maestro.

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[00:25:45] Maestro Stevens: Alright. Thank you.

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On the podcast today we have Maestro Stevens.

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Maestro is an international speaker and managing director of The Iconic Expressions. His areas of expertise include digital marketing, brand strategy, web development, and project leadership. 

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In this episode Maestro lays out the case for how inclusivity is not just something that we need to be concerned about at things like events, but also in our WordPress website designs.

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Maestro recently gave a presentation at WordCamp Asia entitled, Unlocking Universal Creativity: The Future of Inclusive WordPress Design. He wants to get people to think about making design choices with inclusivity in mind, so that they are representative of various cultures and varied backgrounds.

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Maestro reveals the challenges and the pushback he has faced on his journey, telling us about the struggles and support he’s found within the community.

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His approach includes utilising AI to create unique imagery, reflective of a diverse population, and how he sees this as something new in the industry.

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The discussion also gets into the practical side as well, with Maestro outlining some of the technical aspects and future plans for his ideas, extending an open invitation to listeners who wish to contribute or learn more.

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If you’re curious about the intersection of creativity, representation, and the WordPress ecosystem, this episode is for you.

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Useful links

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Iconic Templates

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Uni-Blocks

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Kadence Blocks

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Elementor

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Spectra

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Midjourney

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Unlocking Universal Creativity: The Future of Inclusive WordPress Design – Maestro’s presentation at WordCamp Asia

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BlackPress

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Maestro’s LinkedIn

\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 24 Apr 2024 14:00:00 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Nathan Wrigley\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:34;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:80:\"Do The Woo Community: Adding Public Relations to Your WordPress or Woo Biz Stack\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:28:\"https://dothewoo.io/?p=83077\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:79:\"https://dothewoo.io/adding-public-relations-to-your-wordpress-or-woo-biz-stack/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:118:\"Learn about PR within the WordPress community and the emphases of relationship-building over aggressive sales tactics.\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 24 Apr 2024 09:00:00 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:5:\"BobWP\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:35;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"HeroPress: How I Found My Place\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:56:\"https://heropress.com/?post_type=heropress-essays&p=6726\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:114:\"https://heropress.com/essays/how-i-found-my-place/#utm_source=rss&utm_medium=rss&utm_campaign=how-i-found-my-place\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:5839:\"\"Pull

I was never what you’d call a “techie.” Software development was a mystery to me, and JavaScript seemed like an alien language. But fate has a funny way of guiding us to unexpected places, and my journey into the world of technology began with a single WordCamp.

\n\n\n\n

I had never been to a WordCamp, or any other tech-related gathering for that matter. But my husband was very active in the WordPress community in Riverside, California, and he had made a lot of good friends through Meetups and WordCamps. He had volunteered as one of the organizers for WordCamp Riverside one year and came back raving about what a great time he had, so the second year he volunteered, I decided to go. 

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Meeting The Family For The First Time

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When I stepped into the event—held in an unassuming warehouse of a local solar panel company—the vibrant atmosphere greeted me like an old friend. Everywhere I looked, there were smiling faces, eager to share their knowledge and passion for WordPress. It was a community unlike any I had ever seen before. And while I didn’t have the technical skills, I was determined to soak up as much as I could.

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During the day, I attended workshops and talks, my notebook quickly filling up with scribbled notes and newfound terms like CSS, plugins, and PHP. I even mustered up the courage to ask questions during the Q&A sessions, feeling a sense of empowerment with each answer I received.

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But it wasn’t just the knowledge that drew me in; it was the people. I made connections with designers, developers, and entrepreneurs alike, each one offering their support and guidance. They welcomed me into their community with open arms, assuring me that technical skills could be learned, and that my passion and enthusiasm were just as valuable.

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Reaching Out

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Encouraged by this supportive environment, I sought out people who were like me, but had already made it in the tech world. People who could guide me. So I search for black woman entrepreneurs working in tech, and I found a group in Los Angeles. It was there that I truly found my tribe—a diverse group of individuals who shared a common goal: to make the web a better place. We met regularly, offering free help to each other, discussing ideas, and collaborating on projects.

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Months turned into years, and my understanding of WordPress and web development grew with each passing day. I took online courses, attended more WordCamps, and devoured every book on the subject I could find. What started as a curiosity had become an all-encompassing passion, a flame that burned brighter with each webpage I built.

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Building A Company

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Soon, I was able to take on some of the work in what would later become my company, Brain Jar. At that time, it was my husband’s long-running side hustle. He had a small handful of clients, and he served them on the train on his way to and from his day job as a web developer for a local college. My work started simple; optimizing photos, changing text, fixing errors. As my skills grew sharp and my confidence grew, I started taking on bigger projects until finally I was doing as much work as my husband was.

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Now that I was working in what was fast becoming a family business, we were able to start taking on more clients instead of referring them out and hiring part-time employees. So our clientele and development team started growing bit by bit. As we grew, we noticed we were naturally slipping into different roles in the business. I started managing the budgets, payroll, meeting with clients, doing our usability studies, web traffic analytics, and other research-related tasks. My husband started managing our employees, managing projects, assisting our developers. So we decided I’d assume the role of CEO, and my husband became the CTO.

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Moving Forward

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Today I’m just as busy as ever with Brain Jar, plus we run an online coding bootcamp called WP Code Camp, hoping that we can help others get into the web development world that has been so good to us. But despite the hustle and chaos that comes with running two businesses, during an occasional quiet moment, I think back to that first WordCamp and the community that nurtured me. I owe my success to that community, the people who believed in me, who shared their knowledge and supported me on this incredible journey.

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And so, with a heart full of gratitude, I continue to pay it forward. I speak at conferences, mentor aspiring developers, and volunteer for WordPress and other tech events in my community, all with the hope of inspiring others to follow their dreams, just as I did.

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In this vast world of technology, I found my place—a place where passion, community, and a willingness to learn can shape the trajectory of a life. And as I reflect on my journey, I am grateful for every stumble, every triumph, and every WordCamp that brought me here.

\n

The post How I Found My Place appeared first on HeroPress.

\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 24 Apr 2024 08:00:00 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:28:\"Dr. Rhiannon Little-Surowski\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:36;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:78:\"Gutenberg Times: Exploring the latest version of the Create Block Theme plugin\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:35:\"https://gutenbergtimes.com/?p=28344\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:89:\"https://gutenbergtimes.com/exploring-the-latest-version-of-the-create-block-theme-plugin/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:4572:\"

The Create Block Theme plugin was created to streamline block theme development by adding to the power of the Site Editor with theme specific goodies and workflows. The plugin aims to be a modern quick start tool for the world of block themes, allowing you to create your own or build upon existing themes without touching code. At a high level, here are the kinds of things you can accomplish with the plugin added to your site: 

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Explore the latest version of Create Block Theme

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A new version of the Create Block theme was released recently bringing some long awaited features that offer more advanced, streamlined, and open workflows: 

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Ease your way into what’s new

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If you’re new to block themes and haven’t yet used the plugin, this is an excellent place to start since you can quickly clone an existing theme to explore how to make it your own rather, perhaps by creating a specific style variation to use. Keep in mind that the plugin is meant for theme creation only rather than for use on a production site. 

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Select “Live Preview” on the plugin directory listing to get started and start exploring. For example, you can follow the video below to create a custom style variation: 

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Get access to early, theme specific features

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The Font Library, launched in WordPress 6.5, has its roots in the Create Block Theme plugin. While not every feature baked into the plugin is destined to make it into Core, it is a place where common problems facing theme authors are solved, and necessary workflows are built. Occasionally, this means early access to features that make it into Core or theme-specific enhancements. For example, in the plugin you can create and save a style variation long before this feature has come to Core.

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The same is true of the recently released theme.json inspector mentioned at the beginning of this post. 

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Help shape the future

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Because the Create Block Theme plugin is a community run plugin and has a more narrowed focus to block theme authors, it’s the perfect place to discuss common pain points and improve what’s there. For example, pattern management has repeatedly come up as an area needing iteration and better tooling.

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This is now being explored in the Create Block Theme plugin to make it even easier to create your next block theme. 

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Resources

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For more in depth guides, we’ve got you covered with an in-depth walkthrough on the Developer blog and a Learn WordPress tutorial. Want to see a feature added or find a bug in the experience? Open an issue and share your feedback–this tool is by and for the community. 

\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 23 Apr 2024 16:04:09 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:13:\"Anne McCarthy\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:37;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:107:\"Do The Woo Community: WordPress Meetup Wins, Challenges and Initiatives with Dave Loodts and Kasirye Arthur\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:28:\"https://dothewoo.io/?p=83059\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:105:\"https://dothewoo.io/wordpress-meetup-wins-challenges-and-initiatives-with-dave-loodts-and-kasirye-arthur/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:197:\"Dave and Arthur discuss their meetup experiences, highlighting diverse event formats, challenges in achieving diversity, and initiatives to engage the younger generation in the WordPress community.\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 23 Apr 2024 07:15:44 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:5:\"BobWP\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:38;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:126:\"Gutenberg Times: Pattern Directory updated, Faster Web w/ WordPress, and Interactivity API in the wild — Weekend Edition 292\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:35:\"https://gutenbergtimes.com/?p=28284\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:130:\"https://gutenbergtimes.com/pattern-directory-updated-faster-web-w-wordpress-and-interactivity-api-in-the-wild-weekend-edition-292/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:15571:\"

Howdy,

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Greetings from WordCamp Leipzig! I didn’t get much time to work on this week’s edition, but I didn’t take a break either as I found some great articles, videos and tutorial, I wanted you to know about right away.

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WordCamp Leipzig was a great no-frills WordCamp. I arrived after a workday on Friday night, spend Saturday with my German WordPress community, talked to almost every attendee during the day, and I am on my home on Saturday night. I had a good time and will be back next year. As a side note: It’s been a while since I saw a Social Wall at a WordCamp.

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Yours, 💕
Birgit

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\n

Table of Contents

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  1. Developing Gutenberg and WordPress
  2. Plugins, Themes, and Tools for #nocode site builders and owners
  3. Building Blocks and Tools for the Block editor.
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WordCamp Asia Videos are available now on YouTube. Here is a list of Block related talks you might be interested in.

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The team organizing WordCamp Europe just published the presentation schedule for Torino. There are considerably more talks on the technical side and quite a few talks and workshops on block and block theme development.

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Developing Gutenberg and WordPress

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Gutenberg 18.2 RC is available now for testing, outstanding new features: Side-wide Background image tools, and Starter Pattern for Page in the Site Editor and many updates on Data Views. The final release will be on April 24.

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 📣 Reminder: Next Hallway Hangout on what’s next in Gutenberg to learn about some ongoing projects on April 24 at 23:00 UTC / 7pm EDT / 4pm PDT.

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Aaron Jorbin announced the schedule for WordPress 6.5.3: An upcoming maintenance release to come out on May 7, 2024, with RC 1 a few days earlier.

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Felix Arntz published an article on How WordPress Is Creating a Faster Web in which he lists a few of performance enhancing features that made it into WordPress in the last few releases: faster loading of images, a faster translations engines, and improvements to the block editor resulted in 5x faster typing processing. What’s next from the performance team, you ask? Well, you need to read the article. haha.

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Nick Diego announced that the Pattern Directory gets a refresh and is now powered by blocks. “Over the past few weeks, the Meta team has been working on a new theme for the Pattern Directory as part of a broader effort to establish a consistent design language across WordPress.org. The updated site launched today. Congratulations to everyone involved in this effort.” Diego wrote.

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🎙️ Latest episode: Gutenberg Changelog #99 – WordPress 6.6 + 6.5.3, Gutenberg 18.1 + 18.2, and Create Block Theme Updates with special guest Sarah Norris

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Plugins, Themes, and Tools for #nocode site builders and owners

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Md. Nahidul Islam from Bangladesh release the newest single block plugin in the WordPress repository: Responsive Pro & Con Block. It sports four different designs and lets you as many items on your pro and con list.

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Sunita Rai explains in her video on YouTube How to Add Custom Fonts to WordPress? (Without a Plugin). “If you’ve been looking to enhance the look and feel of your website, using custom fonts is a great way to do it.” Rai wrote. She covers, upgraded to WordPress 6.5 , where to find the Font Manager, how to install Google fonts or Custom fonts, and how to select the new fonts for the site design.

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Anders Noren has a new free WordPress theme out on the repository! It’s called Vermeer, and it’s a profile theme with an eye-catching marquee across the top of the screen. The marquee is automatically disabled for visitors with their system settings set to reduce motion. Vermeer includes 13 different color schemes. Change fonts and colors in seconds with WordPress built-in design tools. WordPress 6.5 allows you to choose from all fonts on Google Fonts out of the box.

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Rich Tabor, product designer at Automattic, published the first issue of Shaping WordPress, a newsletter where he shares “every two weeks on what’s top of my mind and what’s shaping up for WordPress.” he wrote.

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On WP Builds, Nathan Wrigley interviewed Lifter LMS founder Chris Badgett on Driving WordPress education via Full Site Editing. They talk about Chris’s journey from humble blogging beginnings to crafting a comprehensive, integrated LMS platform that democratizes online education for experts and novices alike.

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Badgett, “a non-developer by trade, has leveraged the capabilities of full site editing to empower his customers to design online education experiences without the need to write any code.” Wrigley wrote in the introduction.

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 “Keeping up with Gutenberg – Index 2024” 
A chronological list of the WordPress Make Blog posts from various teams involved in Gutenberg development: Design, Theme Review Team, Core Editor, Core JS, Core CSS, Test, and Meta team from Jan. 2024 on. Updated by yours truly. The previous years are also available: 2020 | 2021 | 2022 | 2023

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Building Blocks and Tools for the Block editor.

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If you want to streamline your block building experience, create-block is a fantastic scaffolding tool. Ryan Welcher published a tutorial on how to create an external project template for create-block. With that knowledge, you can make use of the create-block tool even more and tailor it to your developers needs. “A default template provides a standard configuration for creating simple blocks.  The real power of create-block becomes evident when you start creating external project templates.” Welcher wrote.

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In the episode of the ViewSource podcast, Exploring the Interactivity API in WordPress Part 1, Aurooba Ahmed and Brian Coords discuss the Interactivity API in WordPress. They explore how to use the API, the challenges they faced, and the benefits it provides. They also touch on JavaScript modules and how they are used in the context of the Interactivity API. The conversation ends with a discussion about future topics to cover in the series as they build out the plugin using the API.

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Jason Adams, also has an opinion about the Interactivity API and calls it a noble attempt: “It’s entirely new and independent. It doesn’t build on what devs learned, nor does it use any existing directives API out there. This means that not only do developers have to learn a completely new API, but when they do, it doesn’t directly translate to anything else. Not only that, but you’re limited to whatever the API supports — it’s nowhere near as powerful or flexible as a raw React component. If you want to do more with it then the API itself will have to mature.” he wrote.

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Need a plugin .zip from Gutenberg’s master branch?
Gutenberg Times provides daily build for testing and review.

\n\n\n\n

Now also available via WordPress Playground. There is no need for a test site locally or on a server. Have you been using it? Email me with your experience

\n\n\n\n

\"GitHub

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Questions? Suggestions? Ideas?
Don’t hesitate to send them via email or
send me a message on WordPress Slack or Twitter @bph.

\n\n\n\n
\n\n\n\n

For questions to be answered on the Gutenberg Changelog,
send them to changelog@gutenbergtimes.com

\n\n\n\n
\n\n\n\n

Featured Image: Getting ready for the Group Photo at WordCamp Leipzig 2024 by Birgit Pauli-Haack

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\n\n\n\n

Don’t want to miss the next Weekend Edition?

\n\n\n

We hate spam, too, and won’t give your email address to anyone
except Mailchimp to send out our Weekend Edition

Thanks for subscribing.
\n\n\n
\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Sat, 20 Apr 2024 08:58:37 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:18:\"Birgit Pauli-Haack\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:39;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:66:\"Do The Woo Community: Do the Woo is Sponsoring WordCamp Porto 2024\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:28:\"https://dothewoo.io/?p=82989\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:65:\"https://dothewoo.io/do-the-woo-is-sponsoring-wordcamp-porto-2024/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:85:\"Do the Woo will be attending and sponsoring WordCamp Porto 2024 on May 17th and 18th.\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Fri, 19 Apr 2024 09:00:00 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:5:\"BobWP\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:40;a:6:{s:4:\"data\";s:11:\"\n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:1:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:63:\"HeroPress: Quieting Chameleons, WordCamp Photography, and more!\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:29:\"https://heropress.com/?p=6700\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:165:\"https://heropress.com/quieting-chameleons-wordcamp-photography-and-more/#utm_source=rss&utm_medium=rss&utm_campaign=quieting-chameleons-wordcamp-photography-and-more\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:14334:\"\"Black
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\n\n
\n

Photos Of Torino Italy

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As of this writing there are 5 photos in the WordPress Photos Project of Torino Italy, where WordCamp Europe will be held this year. Three of them are labeled Turin.

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I’d LOVE to see many many more before WordCamp so people can use them in their blog posts. So if you’re in Torino any time soon, please take pictures and post them!

\n\n\n\n

Here’s what’s there so far:

\n\n\n\n\n\"TorinoCC0 licensed photo by Matias Benedetto from the WordPress Photo Directory.\n\n\n\n\"CinemaCC0 licensed photo by elisascagnetti from the WordPress Photo Directory.\n\n\n\n\"Torino,CC0 licensed photo by Matias Benedetto from the WordPress Photo Directory.\n\n\n\n\"BicyclesCC0 licensed photo by elisascagnetti from the WordPress Photo Directory.\n\n\n\n\"BlackCC0 licensed photo by Nicola @ironicmoka Paroldo from the WordPress Photo Directory.\n\n
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\n\n
\n

HeroPress.com – Quieting the Chameleon

\n\n\n\n\n
\n\"Rebecca
\n\n\n

Rebecca Gill grew up with fairly random adult guidance, but this gave her some gifts that most kids don’t get.

\n\n\n\n

A village raised me and as I shifted from one group to another, I cultivated some hidden talents I did not know I possessed. The diverse environment taught me to read a room and become a chameleon of sorts. I would monitor those around me, watch for shifts in their demeanor, and adapt my behavior to match.

\n\n\n\n

Rebecca’s’s essay is available on HeroPress.com.

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\n

WP Podcasts

\n\n\n\n\n\n\"Pocket\n\n\n\n

There were Twenty-one WordPress podcast episodes released this week!

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We also have a new podcast this week from Anil Gupta! Peaceful Growth.

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There are new episodes every single day, so be sure to stop by WPPodcasts.com and search for things that interest you!

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\n

WP Photos

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Here are some of the great photos submitted to the WPPhotos project this week!

\n\n\n\n\n\"SmallCC0 licensed photo by Sam Alderson from the WordPress Photo Directory.\n\n\n\n\"JellyCC0 licensed photo by Sam Alderson from the WordPress Photo Directory.\n\n\n\n\"AnCC0 licensed photo by Rámon van Raaij from the WordPress Photo Directory.\n\n\n\n\"WindmillCC0 licensed photo by Sam Alderson from the WordPress Photo Directory.\n\n\n\n\"ACC0 licensed photo by yoastmaurice from the WordPress Photo Directory.\n\n\n\n\"BrightCC0 licensed photo by Sam Alderson from the WordPress Photo Directory.\n\n\n\n\n

Be sure to check out the hundreds of other great photos!

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The banner at the top of this post is a CC0 licensed photo by Nicola @ironicmoka Paroldo from the WordPress Photo Directory.

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That’s it for this week! If you’d like to get this post in your email every week, make sure you sign up!

\n

The post Quieting Chameleons, WordCamp Photography, and more! appeared first on HeroPress.

\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Fri, 19 Apr 2024 08:00:00 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:41;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:89:\"WordPress Foundation: Apply for the Kim Parsell Memorial Scholarship for WordCamp US 2024\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:42:\"https://wordpressfoundation.org/?p=1179110\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:59:\"https://wordpressfoundation.org/news/2024/kim-parsell-2024/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:2344:\"

The WordPress Foundation is proud to announce the Kim Parsell Memorial Scholarship for 2024. Kim was a valued contributor to the WordPress open source project, and this scholarship honors her legacy. The Kim Parsell Memorial Scholarship will be awarded to one WordPress contributor who is a woman, has not previously attended WordCamp US, and requires financial assistance to attend WordCamp US 2024.

\n\n\n\n

The scholarship provides travel assistance for the recipient to attend WordCamp US, including travel from the recipient’s home city, hotel stay for the duration of the event, and a ticket to WordCamp US.

\n\n\n\n

WordCamp US is an unparalleled opportunity to connect with web professionals, build your skills in the WordPress ecosystem, and meet WordPress contributors from around the world. This scholarship offers the chance to be part of a vibrant community and make lasting connections.

\n\n\n\n

Eligibility Criteria

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There will be one scholarship recipient in 2024. To be considered for the scholarship, applicants must meet the following criteria:

\n\n\n\n\n\n\n\n

\n\n\n\n

How to Apply

\n\n\n\n

If you meet the above criteria, we warmly invite you to apply for the Kim Parsell Memorial Scholarship. The application is open through May 30, 2024. All applicants will receive notification by June 21, 2024.

\n\n\n\n

For more information, please visit the WordPress Foundation’s page About the Kim Parsell Memorial Scholarship.

\n\n\n\n
\n
Apply for the Kim Parsell Scholarship Today!
\n
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\n

[00:00:00] Nathan Wrigley: Welcome to the Jukebox podcast from WP Tavern. My name is Nathan Wrigley.

\n\n\n\n

Jukebox is a podcast, which is dedicated to all things WordPress. The people, the events, the plugins, the blocks, the themes, and in this case, the challenges and rewards of contributing to WordPress.

\n\n\n\n

If you’d like to subscribe to the podcast, you can do that by searching for WP Tavern in your podcast player of choice, or by going to WPTavern.com forward slash feed forward slash podcast. And you can copy that URL into most podcasts players.

\n\n\n\n

If you have a topic that you’d like us to feature on the podcast, I’m keen to hear from you and hopefully get you all your idea featured on the show. Head to WPTavern.com forward slash contact forward slash jukebox. And use the form there.

\n\n\n\n

So on the podcast today we have Jonathan Desrosiers. Jonathan has been a contributor to WordPress core for many years, and a WordPress core committer since 2018. He currently maintains over a dozen core components. As a leader in the community, he advocates for new contributors through mentorship and active leadership. Jonathan currently works as a senior software engineer at Bluehost, where he is sponsored full-time to contribute to WordPress core through the five for the future program.

\n\n\n\n

We talk about the challenges that come with contributing to such a large and multifaceted project. From the intricate process of decision-making, involving many stakeholders, to the occasional moments of feeling demoralized when contributions seemed like a dropping the ocean.

\n\n\n\n

We discuss the importance of regular contributions, the challenges of implementing an accreditation system for contributors, and the role of privilege in the ability to contribute and showcase your work publicly.

\n\n\n\n

Amongst the technical talk, including the future of collaborative editing, and the need for adaptability, we also get into the human side of WordPress. From the ways in which individuals can get involved without coding, such as teaching, video processing, event organizing, and documentation, to the personal satisfaction Jonathan finds in his work.

\n\n\n\n

Towards the end, we chat about the sustainability of the open source ecosystem, emphasizing the critical role businesses need to play, and the potential risks when key contributors step back. But, as you’ll hear, Jonathan is confident about the future of WordPress, mentioning exciting development features on the horizon, like the new admin interface.

\n\n\n\n

If you’re curious about how you can contribute, what that looks like, and where it can take you, this episode is for you.

\n\n\n\n

If you’re interested in finding out more, you can find all of the links in the show notes by heading to WPTavern.com forward slash podcast, where you’ll find all the other episodes as well.

\n\n\n\n

A quick note, before we begin. This was recorded live at WordCamp Asia. There was quite a lot of background noise to contend with, and I’ve done my best to make the audio as easy to listen to as possible.

\n\n\n\n

And so without further delay, I bring you, Jonathan Desrosiers.

\n\n\n\n

I am joined on the podcast today by Jonathan Desrosiers. Hi, Jonathan.

\n\n\n\n

[00:03:39] Jonathan Desrosiers: Hi. How are you Nathan?

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[00:03:40] Nathan Wrigley: Yeah, really, really good. We are at WordCamp Asia. Jonathan, you gave a talk this morning.

\n\n\n\n

[00:03:45] Jonathan Desrosiers: I did. This afternoon right after lunch.

\n\n\n\n

[00:03:47] Nathan Wrigley: Okay. How did it go?

\n\n\n\n

[00:03:48] Jonathan Desrosiers: It went really well.

\n\n\n\n

[00:03:49] Nathan Wrigley: What was it about?

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[00:03:50] Jonathan Desrosiers: So I do a lot of the work around, we call it invisible work, around administration and things around the project, to make sure things continue to go smoothly and get released, and all of those things. And one of those things that I work on a lot is attribution for our contributors, and our community members. And mostly focused on the versions of WordPress and release to release, making sure the right people are listed on the credits page, and get the credit that they deserve. And so this was about why it’s extremely difficult. There’s lots of variables to consider when, you know, trying to be accurate in those representations.

\n\n\n\n

[00:04:23] Nathan Wrigley: Okay. And it was well received. You’re happy?

\n\n\n\n

[00:04:25] Jonathan Desrosiers: It was, yes. Very well.

\n\n\n\n

[00:04:26] Nathan Wrigley: Nice. We’re going to talk a little bit about contributing to the WordPress project. And that, I know, is something that you’ve got a long history doing. Do you want to just tell us a little bit about your history with WordPress, and all the different bits and pieces? I know there’s too much to say, but we’ll paraphrase. What have you been doing with WordPress since you started using it.

\n\n\n\n

[00:04:43] Jonathan Desrosiers: Yeah, I discovered WordPress in probably like 2007 or 8. And I was in college building little sites for family members and friends. And that turned into, when I graduated I, you know, started building websites for small agencies, and moved into university education, and built websites for them through WordPress.

\n\n\n\n

And in 2018 I was hired by Bluehost as part of their Five for the Future initiative, to give back 5% of our resources, which is, if you are unfamiliar, encourage you to read about that. It’s a challenge from Matt Mullenweg to contribute 5% of your resources, to ensure we don’t have a tragedy of the commons situation, where we take too much from the project, and we don’t replenish what we use to make sure it’s better for the next people that come after us.

\n\n\n\n

Week to week I work, I’m a core committer as well, so committing changes to the code base. Making sure things are tested and we’re not missing something that could be problematic in the release.

\n\n\n\n

[00:05:35] Nathan Wrigley: And you are full-time.

\n\n\n\n

[00:05:37] Jonathan Desrosiers: I am, yes. I’m a full-time sponsored contributor.

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[00:05:40] Nathan Wrigley: How unusual is that in your, I mean, obviously for you it’s your day-to-day, this is quite normal. But, how unusual is it to have somebody able to donate 100% of their time, working hours, over to the WordPress project?

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[00:05:52] Jonathan Desrosiers: It’s fairly unusual, that it’s not unicorns, but it’s very sporadic. You know, it’s not uncommon for someone to be sponsored 80% or 50%, you know, work on applying some initiatives to both WordPress, and internally to products.

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So it’s not unheard of, but it’s definitely hard to come by, and I’m definitely very fortunate to have had the stars align when I saw the job posting go up for this, so yes.

\n\n\n\n

[00:06:16] Nathan Wrigley: So Bluehost, I’m guessing from what you’ve just said, they are committed to Five for the Future, and the intention there is to give 5% of, I’m just going to use the word resources, lets call it that. 5% of the resources available, and you are a part of that. You fall under that 5%, right?

\n\n\n\n

[00:06:33] Jonathan Desrosiers: Yes, absolutely. And that’s, you know, through our global sponsorship, our presence at events to help the community, volunteering at events, contributing to core and the project itself, and many other things that we get involved with over the days and weeks.

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[00:06:47] Nathan Wrigley: I’m guessing that most of the contributions to WordPress, are not done from the perspective of somebody who is paid to do it. I’m imagining the vast majority of contributions across the whole project, you know. So we could be talking about events, we could be talking about the code base. There’s all sorts of things that we could be talking about. But I’m guessing it’s done largely by volunteers, because that’s the nature of open source software.

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Is that sustainable? Do you think that people’s value in the year 2024, do you think that people are valuing open source, contributing software, in the way that they did maybe at the dawn of the internet, you know, 25 odd years ago?

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[00:07:23] Jonathan Desrosiers: I think that people do value it, they just don’t know it, in some cases. And we definitely need people to be more aware of how our businesses are powered and that the burden of maintaining these tools and libraries.

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The Five for the Future program is, 5% is the goal, but it’s definitely, we should be doing more, and we could. Especially businesses that WordPress is where they play, where they set up in their ecosystem.

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And so, is it sustainable? You know, we will always need some extra help, and I think that we’ll never refuse extra help anywhere we can get it. It’s going to ebb and flow as well, right? We might need more at certain times. And in the community, we’ve needed more help recently, when trying to revitalise our events after Covid, and all of that nonsense that we had to deal with.

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And so it ebbs and flows, and the areas change where we need more attention than others. And I hope that people do value it as much as they say, and at least show it through their actions and giving back.

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[00:08:17] Nathan Wrigley: Let’s just talk about the code base for a bit. WordPress is changing all the time. Month by month, we’ve got new releases. We’re currently 6.5, thereabouts. And it’s constantly being updated. So that tells me that the work is being done. There are people that are doing that, and you are obviously part of that.

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Are there enough people? Is it sustainable from that point of view? Do we have aspirations that the software would be better than it is, and we’re always stifled by the amount of time that people can put into it, and resources and what have you?

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[00:08:46] Jonathan Desrosiers: Yeah I mean, if we had more people, we could always go through more issues, and more features, right? But it’s definitely a delicate balance because, if we had a release with 500 features, our users won’t be able to keep up. And so we have to strike that balance. And, you know, we challenge that sometimes, where we put more into some releases than others. Maybe one release will be more bug focused, and polish refinement we’ll call it.

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Do we need more? Yes. We could always use more. We’ll never say no. But it’s always a balance with our users. We can’t release too quickly, not often enough. We’ve found that balance is pretty good at three releases a year.

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It helps ensure that we have enough contributors to get what needs to get done, release to release. The features can, so-called, bake enough to be ready. We’ll have a good number of major features, and minor features available in that timeframe. That’s the balance that we’ve found works well for us right now.

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[00:09:39] Nathan Wrigley: Is it usually the same people that are doing this work? So for example, if we were to go back, I don’t know, let’s say a year, or project a year into the future. Obviously you are going to be part of that makeup. Does it tend to be the same faces showing up? And I wonder if that could be kind of an Achilles heel in a way. You know, because if one of those people decided to move away from the project, they had other things that they wanted to do in their life, all of a sudden, if those familiar faces disappear, we might have a bit of a weakness. Gaps start to appear in the roster of who’s going to do what. So is that a problem?

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[00:10:11] Jonathan Desrosiers: I think that that’s always been a problem, right? We never want to see our all stars move on to other things, but it’s life and that happens. And I think if you go back all the way to the project, there’s people that built major parts of WordPress, that are still in it today, that have moved on. And largely we’ve survived and grown and continued.

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I’d say that there’s probably a good percentage of people that are consistent, but there’s also a good percentage of people that are new, and willing to try new things, and help take on more responsibility.

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[00:10:41] Nathan Wrigley: Oh, that’s interesting. So there is always fresh blood, if you like, coming in. And you’ve noticed that, have you? It’s not like, you know, in one given year it sort of dries up, because I had an intuition that may be around the pandemic, it maybe lost a little bit of its luster, and the involvement in the community sort of ebbed a little bit. But it’s coming back, is it? And there’s always a pipeline of new people coming in, is there? That’s nice.

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[00:11:03] Jonathan Desrosiers: Yeah. I think that there definitely was a good amount of computer burnout that happened. You know, we were all FaceTiming with our relatives and stuff, and work as well, and our coworkers. Friends at work, we were also zooming with. But things like the contributor mentorship program that’s being done, where we will take applications for people that need to know, just guidance, how to get started contributing, and how to be effective and efficient at contributing, in areas that we need them to.

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They sign up, and we have mentors. People like me that will match up with them. And over the course of a month or so, we’ll onboard them, help them with learning on Learn WP, different things. And help them actually get involved, and get their feet wet contributing, so that hopefully we can start to replenish some of that, up and coming new blood as you say, to replace anybody that may need to move on.

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[00:11:53] Nathan Wrigley: Yeah, it really does feel like the project is taking that onboarding process, and the learning process, much more seriously, well, just in the last 12 months. So the idea of the mentor program, where somebody like you can guide somebody and give, presumably it would be adjacent to core committing or something.

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You would take somebody who’s new to the project, and you’d show them the ropes, if you like. Explain where to find things, explain how the process is done. That’s a fabulous initiative. And also, like you say, lots of energy and time being put into the Learn materials.

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So I’m guessing that somebody somewhere, at some point over the last two years or so, identified this as a problem. You know, we to encourage these people. But if they don’t feel supported when they come in, it’s pretty likely that, you know, you’ll lose people who would’ve stuck around. So that’s been great I think.

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[00:12:41] Jonathan Desrosiers: As full-time people, we recognise that it’s, whether it’s when we take time off and we come back, or we change focus for a week or two, and then come back to something. WordPress is quite large, and there’s a lot of moving parts, and there’s a significant velocity there. And so it’s kind of like jumping into a moving train, right?

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And so at times I have a hard time keeping up on certain areas of the project, and I rely on updates and summaries from various teams to catch me up. You know, it’s always important to keep that in mind when you’re working with people that have two hours a week, four hours a week, an hour a month that they contribute.

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We think about how can we download that information for what we know, from being so involved in an easier way, to make it more accessible to people that have less time, but still want to help and participate.

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[00:13:28] Nathan Wrigley: So this question isn’t necessarily related to the topic at hand, but I’m kind of interested what your thoughts are on this. We have over the last, well, really since WordPress began, the user base. The number of installs has just gone up, and up, and up. And we have this percentage figure now which we’ve reached, which is roughly 43% of all the web. Let’s call it that. I know that there’s nuance there.

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But 43% of the web is powered by WordPress. I mean, that’s just an astronomical figure. And I don’t think 10 years ago anybody would’ve guessed that that would be what would be achieved. But that’s where we are. Does it matter to you that that number, either, let’s say it flattens out and it never goes beyond 43, or if it goes down and we’re back into the high thirties, or if it goes up and we’re into the fifties. Does any of that matter to you? Are you in this project because it’s popular, or do you just enjoy being part of it, regardless of all those incredible numbers?

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[00:14:21] Jonathan Desrosiers: Yeah I think, you know, obviously from a professional standpoint, I want it to grow and do good, because the company that I work for is a very firm stance in WordPress. We provide WordPress hosting, and that’s kind of our bread and butter.

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I think that, personally, I do it because I enjoy it. I like problem solving these really difficult problems at scale, and it’s always very fascinating to have to tackle these. I think that, to me the number itself doesn’t matter, but the number is a signal to observe and learn from, right? So if we plateau, is it something going on around us? Like, is AI having this impact in some way? Where people are considering a blog, or a CMS website, less than they would’ve in the past.

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You know, we saw a little bit of influx in covid, and everybody was rushing to make a website. And so, now is there a lull, because people made their websites already, and there’s less people that would’ve spread out over time, that did a gold rush right at that time.

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It can tell us a lot about our society. It could tell us a lot about trends, business trends, economic trends. And we kind of just need to take that number in stride, and figure out why we’re plateauing, or why we’re growing, and understand that a little bit better, and help it influence our decisions.

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[00:15:34] Nathan Wrigley: Given the work that you do, and the communities, the Slack channels that you are in, and the GitHub issues that you are tracking and all of that, do you have a sense that contributing is still a popular thing to do? Or in the years that you’ve been doing it, has it been a bit of a struggle? I mean, we were talking about onboarding people, and all that kind of stuff. What’s your sort of gut feeling?

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From the outside, I don’t commit in the same way that you do. I don’t really know. I see more and more articles coming up in the WordPress press, about whether the community is dissatisfied. There was something in Search Engine Journal just the other day, saying that, there was growing dissatisfaction amongst the WordPress users. I don’t really sense that, but I wonder if you did.

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[00:16:13] Jonathan Desrosiers: I think there’s a level of that. I think that it’s hard to tell the whole story in one survey, right? And we kind of need to step back, and look at the answers objectively, and try to figure out why people are answering the way they are.

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From a contributing standpoint, it’s really hard sometimes to see that you’re having an impact in your contributing, right? It used to be with a much smaller code base, it was much easier to put something in that you could see, visually that it’s there. Oh, it’s there, it’s doing what I trained it to do, and coded it to do.

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And so in the project with many more moving parts, sometimes it’s not as obvious, or it takes longer to get something in, because there’s more things to test, that’s more intricate. We have a lot more different types of sites at scale. We have 43% of the web now, instead of 5 or 10. And we have NASA and the White House using it.

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And so these are all things as committers we have to think about is like, how could this one line change, how could this negatively impact someone, and what are the bad things that this could cause?

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And so sometimes, if you have an hour a week, or two hours a week, that can be really frustrating because your ticket might sit there for six months. And it’s not because we want to ignore it, it’s just that either, a, it’s not really fully aligned with our goals, and our project priorities at that time. Doesn’t mean it’s not important, it’s just we have a limited amount of resources, even the full-time people. And we have to have a percentage of our focus on these lighthouses that we’re heading towards.

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And so, I guess all that to say that there is some dissatisfaction, but there’s always the opposite side as well. I always tell people, when I look at a product reviews, oh, this only has 4 stars or 3 stars, right? But you always have to keep in the back of your head that people that have a negative experience are also more vocal, right? They’re more likely to go and provide feedback because they’re aggravated, they’re mad at what they experienced.

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And so, is that also a thing here? Where we’re not really getting all the positive stories, because the negative people are just a little bit more vocal? All stuff that I think about, but I think that there’s always frustrations. There’s always good stories in the community, but it’s just because we’re so complicated. And there’s so many moving parts that we shouldn’t ignore any of those stories, but we should take it with a grain of salt, and consider what it means, and what’s behind it as we evaluate that.

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[00:18:26] Nathan Wrigley: It would be nice to be able to say that every moment that you contributed to the project, whether that’s code or whatever, was fantastic, you know? It was really exciting. It was always great. You got fabulous feedback. Everything was executed perfectly. But I’m sure it must be, on some level, sometimes a demoralising process.

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Like you said, you put a ticket in and nobody looks at it seemingly for six months. Or you are just in the weeds with code, and you can’t figure out what you’ve got to do. Do you have those moments where it can be, and I know it’s your job so it’s slightly different, but do you have those moments where it can be quite a demoralising experience?

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[00:18:58] Jonathan Desrosiers: Sometimes. I mean, you know, it’s a job, but it’s still something that I pour in a lot of time and effort, and I do care a lot about the project. I think that you’re never going to make everybody happy too, and that’s something that we always know in the back of our mind.

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This week we had to make a decision about how to move forward with the fonts library feature. Where do we put our fonts? And so, on one side, we want to establish fonts and patterns as these first class objects and concepts in WordPress. But then a lot of hosting infrastructure doesn’t actually support putting it in the place that we wanted to put them right in the wp-content folder.

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And so we kind of had to come up with a compromise there. Everybody’s not going to be happy, and we have to decide on what’s best for our users, the majority of people. And yeah, sometimes it stinks to see negative feedback, but we just have to know that we’re trying to do our best with the information we have, the data that we have available to make an objective decision, and move forward.

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[00:19:51] Nathan Wrigley: What’s the hierarchy of the decision making process? You mentioned there about the font library and, you know, some people will have said one thing, other people will have said another. Who gets to suggest things, and who gets to make the final decision about whether this is a go or a no go? I think it’d be kind of interesting for the listeners to have some insight into what’s going on in the background, to make the decisions that push the project on.

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[00:20:11] Jonathan Desrosiers: Yeah, I mean, anybody can make a suggestion. Anybody can open a pull request with an idea or a feature. The committers or the maintainers are always the people that will look at all the information and make the final call. And ultimately they’re responsible for the things that they merge, is essentially what it comes down to.

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If there’s reasonable disagreement between them and it can’t get resolved, whomever the release leads are for, every release has a core tech lead and core editor lead. And so usually they will be a decider for the best way forward in those areas.

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And then when there’s a stalemate like this, it goes up to either the release lead, or Josepha will come and talk to some people that are on each side and, you know, the leaders in the areas, and determine what’s the best compromise, and what’s the best way to go forward with our users’ best interests in mind.

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[00:20:58] Nathan Wrigley: And where do you spend your time doing this work? I mean obviously, in your case there’s a laptop involved, I’m sure, or some machine. Are you doing all of this via Slack? How’s all of that communication going on?

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[00:21:09] Jonathan Desrosiers: Yeah, a lot of my time spent in Slack, but also a lot of time is in Trac or GitHub. You know, working in public is so important, and so, as much as possible you should be in shared channels, or in GitHub tickets and issues, pull requests. Because, like you said, like people come and go, and that’s just a part of life and business and work.

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And it’s important that we leave that history for others that come after us, to be able to follow along. Because in 10 years, this font library decision, people will be saying like, well, why do we do this this way, right? And it’s important that it’s publicly documented, because then we have like a breadcrumb trail that people can learn from, and get into our minds today to know what we were thinking and why.

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[00:21:48] Nathan Wrigley: Yeah, nice. Your contribution is code. You write code, and you help with code, and GitHub, and all of that, and Trac. But there’s more to the bigger project, the WordPress project in general. So do you just want to spell out for the listeners, the kind of things that you could do? Obviously, if you’re in to code, that’s fine. We know that you can do that. What are some of the other areas that people contribute?

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[00:22:07] Jonathan Desrosiers: Yeah. You know, if you’re a teacher or a trainer, we have Learn WordPress, which is a site where we have educational resources, whether it’s course outlines for you to use at a meet up or an event, to teach people how to use WordPress.

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We have wordpress.tv, so if you are good with audio, video, you can review and process WordCamp videos. So like all the WordCamp videos from here will be available to everyone in the world, eventually. You can run events in your local communities. You can contribute documentation, whether that’s user or developer documentation. Going to make.wordpress.org, there’s a full list of all the teams that you can contribute to.

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[00:22:44] Nathan Wrigley: Yeah, there’s lots, and lots, and lots.

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[00:22:47] Jonathan Desrosiers: We’re over 20 now I think.

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[00:22:48] Nathan Wrigley: Yeah. I mean essentially, it genuinely, there’s literally a role for everybody. If you rock up I think you’d struggle to find an individual that couldn’t fit into one.

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[00:22:56] Jonathan Desrosiers: Even if you like taking photos, can be on the photo and the photo directory.

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[00:23:00] Nathan Wrigley: Yeah, there’s so many different paths that you can go through. What do you get out of it? I know the job, but do you get a sort of sense of satisfaction doing this? Is there some part of you which just thinks this is good for humanity? You know, I’m involved in an open source thing, gives you the warm, fuzzy feeling that you’re doing something beneficial to the world, providing free software. Yeah, what do you, Jonathan, get out of it?

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[00:23:19] Jonathan Desrosiers: You know, I always like puzzles and challenges like that, and trying to figure out how to fix things. I’ve always repaired computers since I was young and all that. And so these are just more interesting problems to learn from and tackle, especially at the scale that we’re at.

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And I also think that, some of the smartest people in the industry, you know, WordPress is so big, they gravitate towards it because these are such interesting problems. And so the people I meet, the people I learn from, the people I interact with all the time, I step back sometimes, I’m like, oh, this is really cool. You know, I’m learning from some of the smartest people out there.

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And throughout the community, in all the different areas, we have so many brilliant people that are great people, and they’re willing to teach you, and you can learn so much from them.

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[00:24:01] Nathan Wrigley: Yeah. It sounds like pride might be a good word. There’s sort of sense of pride in it. You get some badges as well.

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[00:24:06] Jonathan Desrosiers: Yeah, and you know, sometimes I’ll go to a website and it’s, oh, it’s a WordPress website, you know. I help that person make a living, or I help that person have a business. You know, especially when it’s like mom and pop stuff, or my son’s school is a WordPress site. I’m like, oh, that’s really cool. You know, my work goes into them being able to have a website, and all those different things.

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[00:24:25] Nathan Wrigley: We know that, in your case, Bluehost is funding you. And so thank you to Bluehost for that, that’s fabulous. But, do you know of any other ways that you can explore? If you literally can’t commit the time, because you are entirely busy, are there ways that you could seek funding, ways that you could be remunerated, maybe sponsored by a company? Let’s just go into that a little bit.

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[00:24:47] Jonathan Desrosiers: Sure, yeah. You can sponsor yourself. So one good way of doing that is, maybe you have a plugin that you build for a client, and you think it could be useful to other people. It’s not directly contributing to the project itself, but you’re contributing to the ecosystem if you open source that.

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And there’s pros and cons of that, right? Because then you’re responsible to maintain it, or at least have to be transparent about what level of maintaining you’ll do. But you never know who could find that useful. And I know when I was at Boston University, we had a navigation plugin that we used internally with our authentication system. And so we made it open source, and there were some other universities that used the same authentication system that chose to use it.

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And so you never really know what will be useful to other people. So sponsoring yourself in that sense is that you’re just giving something you work on, that you already have to work on, right? Because maybe it’s for a client. You can just open source that, and obviously check with the client first, you know, make sure they’re okay with that. But that’s a great way to do that.

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There are sites like WP World, where you can, in a community, you can put yourself in that community as well. And it will list all the things that you work on, and all the, you know, where you’re from, who’s local to you, and what communities are local to you. And you can indicate that you are looking for work, or looking for freelance or employment on those types of sites.

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I think sponsorship might be one of the options on there as well. Or on your GitHub profile, you can also accept donations and sponsorship on your GitHub profile. It’s another good way, especially if you’re a developer, to receive donations to fuel some of your contribution.

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[00:26:17] Nathan Wrigley: Yeah. There’s also the WPCC, the WP Community Collective. I think they’ve recently got these kind of little areas that you can go as a WordPress user. Somebody like me, and I can contribute some money to a particular thing. It might be accessibility, for example. And then the idea would be that somebody can make use of that pot of money, that’s been built up over time ,and somebody could then get sponsored, and use that money, and then give themself a wage whilst they’re working.

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Speaking of that, and we talked a moment ago about, maybe the same faces keep coming back. There’s this idea, and I can’t remember exactly how to phrase it, but the phrase goes something like this. You can contribute to WordPress, or the people that do contribute to WordPress, are the people who can afford to contribute to WordPress. And I’m sure there’s a bit of truth in that, you know?

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That if you are independently wealthy, then you can give up all of your time to the WordPress project. If you are in a position working for a company, and they second you to the project, that also works as well.

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Do you have any intuitions on that? Do you feel that it is as democratic as it could be? Or do you feel like there is a little bit of, those that can afford, can contribute, so they get their voice heard, and the decisions are made by the people who are able to contribute, because they’ve got big, deep pockets?

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[00:27:31] Jonathan Desrosiers: Yeah. I talked about that a little bit in my talk today, where my talk was focused on how we measure contributions, and we track them, and factors to that. And one of the things I talk about is that you can’t measure impact, right? So someone that contributes a three line code change, it may seem unimportant from a Git log perspective or like a commit log.

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But maybe that’s their first contribution to open source. And then, from there they are able to get hired, because they have this new experience. And that might change their life, that might open doors that they didn’t previously have available to them.

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And so, in that sense, it’s hard to say because we can’t measure that. And so, on the surface, it looks like they’re not really receiving anything, because they’re not contributing a lot, or very infrequently, right? But on the outside, from their perspective, they’re receiving a lot. Because the benefits to them are not necessarily directly related to the project, right?

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They’re getting experience, learning how to maybe code PHP, or use an API, and then they go do a job interview and they can talk about that, and how that experience went, and what they learned. And they can show that they are easily teachable, and attractive to an employer.

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And so, that’s only one part of it, right? It appears that only the people with a lot of time benefit from it, but there’s other benefits to just having their code frequently merged.

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[00:28:54] Nathan Wrigley: Would you like to see some sort of accreditation system? Well, I mean we have the badges on the WordPress profiles. But would it be nice to have some sort of an official accreditation system? Honestly, I don’t know how that would be managed. I don’t know how it would be made to be fair and equitable, so that what you actually put in was measured in some way, tracked in some way, and then was equated to, I don’t know, a badge or something that you could add officially to your CV, or what have you. Do you think anything like that would be useful?

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[00:29:22] Jonathan Desrosiers: Probably. But it also depends on another thing I talked about in my talk is, how do people expect to be recognised right? So, currently we collect all the contributors for our release, and it goes on our about page, that you see when you update.

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But some people might not really, that may not really do much for them, right? Because you have to be in WordPress to see it, and they don’t really care about that. Maybe they want it to be, their profile to be, more like a CV, like you said. And so it shows to an employer, like how consistent they contribute, or what they’ve contributed.

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[00:29:53] Nathan Wrigley: Yeah, that’s a good metric, isn’t it? You know, consistency, and the fact that you’ve showed up for month, after month, after month. There’s something in that, there’s something very valuable in that little bit of data, isn’t there?

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[00:30:03] Jonathan Desrosiers: Sure. But likewise, somebody could show up once every three months, but they’re, maybe they work for Google, and they build things into the browser. And so they show up once every three months, but they’re helping advise how to implement this new API that improves performance, or something of that nature.

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And so regularity is not always a good measure. Volume is not always a good measure, because you could contribute 50 times, but it’s like 50, 1 word typo fixes, right? Or you could contribute once, and you’re contributing an entire API, or something that unlocks a feature for hundreds of themes, and makes the world a better place.

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So it’s really difficult to get right. And I think accreditation, a lot of companies spend a lot of money and time on keeping up, because we’re in technology and web, and it changes so quickly. I worry that, we have to do it in a way that adapts as we adapt. And I wonder if the value of that is outweighed by the effort that it would take to kind of stay accurate over the months and years.

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[00:31:03] Nathan Wrigley: Every time this conversation comes up, almost immediately clever people chime into the conversation and point out why some sort of accreditation system would be very hard to do effectively. And I’m often very persuaded, you know? Like you said, do you measure time? Do you measure the frequency? Do you measure the thing that they did?

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[00:31:21] Jonathan Desrosiers: Impact.

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[00:31:21] Nathan Wrigley: And it’s really, exactly, it’s really, really difficult. I think from my perspective, it would be nice if there was something, but I don’t know what that something would be, other than the sort of badge system that we’ve got at the moment.

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[00:31:32] Jonathan Desrosiers: I think in most cases it just ends up like we’re open source, and so your public work just speaks for itself, right? The way you interact with other people that disagree with you on public discussions. The repositories that you have that are open for people to view. The plugins that you create. That’s the best way, in my opinion, to have an open track record of your skills and what you have to offer.

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[00:31:53] Nathan Wrigley: Yeah. And I suppose, in a way, every job interview that you go for, you are just going to write down the best bits that done, and so I guess maybe the traditional way that we’ve done it is probably still useful.

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[00:32:03] Jonathan Desrosiers: But that’s also a privilege too, being able to be public about your work. And I’m privileged with that, because I work on an open source project right? But if you work at a corporation, you know, you can’t always show all of your work, talk about it. But it’s not something you could open source, you know, and let someone dive in and see your work, and the history of your work. So there’s also that aspect as well.

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[00:32:21] Nathan Wrigley: Yeah. Are you confident about the future for WordPress? I mean, obviously you’re working in the industry, you’re saturated by it, you’re completely immersed in it. Do you have an expectation that 10 years from now, WordPress will still be strong? We’ll have a community, it will still be being developed. Does it feel like it’s on rock solid ground? It does to me, but I don’t know what your thoughts are.

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[00:32:42] Jonathan Desrosiers: I think there’s always going to be spots you step on, and you’re like, oh, should I put all my weight there, right? I’m very confident in WordPress. I think last year was one of the more exciting years in quite a while. And the reason was, when we’re in the process, it’s sometimes easy to feel like we’re not going anywhere, right?

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I’m involved week to week, month to month. And so, even release to release, it feels like we’re not getting a lot done. And last year was so exciting, because we reached the end of a phase of Gutenberg. And it was the culmination of all these releases that came before it, to see site editing, right? It was the first release where we said, you can make a great website with this site editor now.

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We took that beta tag off and now it’s ready to go. And so, you know, we see a lot with 2024. Some people are making such incredible websites using this base theme. They look nothing like what was shipped. And it’s just really great to see these blocks, these different APIs that get built. All combining to make this cohesive thing that is really quite powerful.

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And I’m really excited to see what people do with it this year. The Interactivity API, block bindings. All these new things that are coming. It’s like I say in my talk is, we’re so creative as a community, there’s so many brilliant people, and we’re giving them the tools to run with. And I’m really looking forward to see what people build with WordPress over the next year.

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[00:34:07] Nathan Wrigley: There is so much coming down the pipe very, very soon, isn’t there? So, obviously, we’re into phase three, collaborative editing at some point, probably not particularly quickly. But like you said, the Interactivity API, block bindings, and maybe a completely new admin interface.

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It does feel like there is a lot of change about to happen. And so, if you ask me that same question, do you feel confident? It feels like there’s every reason to be confident at the moment, because there’s so much interesting stuff happening.

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[00:34:37] Jonathan Desrosiers: Sure. Kind of to circle back to one of the things we talked about earlier, about the sense of frustration out there. Change is hard, you know? If you’ve built a business around a specific thing, and maybe you have admin notices, right? That you sell a premium plugin through, or something like that. When we redo the admin, it may not be exactly the same experience, right? And so you kind of have to rethink it a little bit.

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And so I think that that’s where some of, frustration with innovation in a way. And change is always very hard, and it’s harder for certain people than others, and in different ways. But you have to look at both sides, and see where we’re going, know where that end point is, where we would like to end up, and see how exciting that is.

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And again, a privilege to have the time and the resources to invest in updating, and embracing new technology, and learning. And we just keep an open mind, and follow us along. And follow all the thought leaders, and the people that experiment with the new features, and demonstrate what’s possible. I think we’ll definitely end up in a better spot.

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[00:35:32] Nathan Wrigley: Yeah. I think it’s really difficult for those North Star, how to describe it, the big ticket items. It’s very hard to communicate those to the user base of WordPress. I mean, here we are, we’re at a WordPress event, so it’s pretty clear that everybody here is a bit nerdy about WordPress. So we understand that, because we’re talking about it all the time.

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But the sort of end user, who’s suddenly confronted with, I don’t know, when the block editor came. Suddenly, what is that? Where did that come from? Being able to explain all of that to the wider public, I think is going to be an interesting thing. And I have intuitions that that’s going to be taken very seriously, in the near future as well. That communicating what’s coming, what the idea is, what the North Star is, going to become a big part in feeding that to the WordPress media, if you.

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[00:36:14] Jonathan Desrosiers: Talking too, we also have to listen. You know, it might not be the feedback we’re expecting, or want to hear, but we need to have open ears and listen to that, and process that appropriately as well.

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[00:36:23] Nathan Wrigley: Slightly going off on a bit of a tangent. What are your thoughts about collaborative editing? From a technical point of view, that feels like that’s a really difficult challenge, given that we have no idea what infrastructure any WordPress website could be on.

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It could be on the most powerful server that has ever existed. Alternatively, it might be on something very affordable and economical. What do you think? Does it seem like a project which is going to be easy to ship, or it’s going to be keeping us busy for two, three years?

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[00:36:51] Jonathan Desrosiers: It’s definitely not easy. You know, it’s very intricate, many moving parts, and it definitely is going to be a many months roadmap that we have to follow. I think that, like we mentioned before is that, we’re always improving, technology is always changing, and we’re trying to embrace.

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We have our performance team that’s, year over year we’re seeing tens of percentage point increase in performance. And obviously that will plateau as well too, right? But we keep adding new stuff, so they’ll keep having new things to look at.

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I’m confident that when we build software, we balance these things, right? We don’t want to be, we want to add these very powerful features, but we keep performance in mind. We don’t want it to be slow, that you don’t want to use it.

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And so these are things that we’re just constantly evaluating, and keeping in mind. And in the end, we stick to our philosophies of building great software, that works out of the box, that’s performant, that handles very difficult technical topics, and concepts for the user, and makes the best decision for them, but while being flexible.

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Something that’s really great about WordPress is, you can change it to be something that doesn’t even look WordPress, you know? Don’t even recognise it, and it’s still at the core, it’s still that software that everybody’s using.

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[00:37:57] Nathan Wrigley: Yeah. It sounds to me like you’re very bullish. You’re very confident that WordPress has a bright future, and we could well be sitting here in the year 2034.

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[00:38:05] Jonathan Desrosiers: Like I said, it might not be the smoothest road, there’s going to be bumps along the way. We just have to work together and listen, and constantly evolve, and don’t be stuck in our ways and get to that end point.

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[00:38:14] Nathan Wrigley: If people have listened to this and they’ve thought to themselves, you know what, I fancy contributing in some way, but they want to talk to you about it, where can people find you, Jonathan? What’s the easiest place?

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[00:38:23] Jonathan Desrosiers: Sure. You can find me at desrosj, pretty much everywhere. WordPress Slack, Twitter, and all of those places. You know, if you want to get started contributing, I recommend just going to make.wordpress.org. I believe there’s a getting started contributing course on learn.wordpress.org. And worst case, just hop into Slack and say, hey, I’m new, I just would like a little push in the right direction. And there’s handbook pages that will link to you, and break down how to get started.

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[00:38:48] Nathan Wrigley: There’s definitely a way to contribute, no matter what your station in life is, yeah. But thank you Jonathan for chatting to us today, I really appreciate it.

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[00:38:55] Jonathan Desrosiers: Of course. Thanks for having me Nathan.

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\n\n\n\n

On the podcast today we have Jonathan Desrosiers.

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Jonathan has been a contributor to WordPress Core for many years, and a WordPress Core committer since 2018. He currently maintains over a dozen Core components. As a leader in the community, he advocates for new contributors through mentorship and active leadership. Jonathan currently works as a Senior Software Engineer at Bluehost, where he is sponsored full-time to contribute to WordPress Core through the Five for the Future program.

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We talk about the challenges that come with contributing to such a large and multi-faceted project, from the intricate process of decision-making, involving many stakeholders, to the occasional moments of feeling demoralised when contributions seem like a drop in the ocean.

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We discuss the importance of regular contributions, the challenges of implementing an accreditation system for contributors, and the role of privilege in the ability to contribute and showcase your work publicly.

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Amongst the technical talk, including the future of collaborative editing, and the need for adaptability, we also get into the human side of WordPress. From the ways in which individuals can get involved without coding, such as teaching, video processing, event organising, and documentation, to the personal satisfaction Jonathan finds in his work.

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Towards the end we chat about the sustainability of the open-source ecosystem, emphasising the critical role businesses need to play, and the potential risks when key contributors step back. But, as you’ll hear, Jonathan is confident about the future of WordPress, mentioning exciting development features on the horizon, like a new admin interface.

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If you’re curious about how you can contribute, what that looks likes, and where it can take you, this episode is for you.

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Useful links

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Bluehost

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Five for the Future

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Learn WordPress

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Contributor Mentorship Program for WordPress

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WordPress.tv

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The WP World

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WordPress Community Collective

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Jonathan’s X / Twitter

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Jonathan’s website

\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 17 Apr 2024 14:20:52 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:14:\"Nathan Wrigley\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:44;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:56:\"Akismet: CAPTCHA vs reCAPTCHA vs Akismet: Which is Best?\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:28:\"http://akismet.com/?p=283860\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:57:\"https://akismet.com/blog/akismet-vs-captcha-vs-recaptcha/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:27816:\"

Any website that gets a lot of traffic also has to deal with a lot of spam. Enterprise-level sites require powerful solutions to protect both customers and company resources. 

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Are you satisfied with your current solution? Do you really understand the alternatives? Choosing the right anti-spam software can significantly improve the effectiveness of everything done through your site. In other words — a happier marketing department, security team, and executives. 

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With that in mind, pay close attention to this in‑depth comparison of CAPTCHA vs reCAPTCHA vs Akismet to gain a clear understanding of these tools. You need to consider how efficiently they can block spam, how they impact the user experience, and whether they’ll affect your site’s performance (among other considerations). Only then will you be in a strong position to choose the right solution for your company or finally dump that under‑performing option you’ve been falling back on for years.

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This post will explain how CAPTCHA, reCAPTCHA, and Akismet work, outline their key differences and similarities, and provide a thorough comparison. 

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Understanding Akismet, CAPTCHA, and reCAPTCHA

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If you’re tasked with selecting an effective anti-spam solution for your company, the stakes are high. When uncontrolled, spam can negatively impact your conversion funnel, damage your search engine rankings, put your visitors at risk, and skew your performance metrics. 

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You’ll need a reliable tool that can get the job done. Of course, it should also be easy to manage, so you won’t have to spend a tremendous amount of time training your security team, and easy to use, so visitors don’t get frustrated trying to perform basic functions on your site.
What’s more, choosing the right solution is only half the battle. You’ll likely have to justify your choice to key decision makers. So you’ll need to thoroughly research different options and explain your decision based on those findings. 

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That’s where this comparison comes in. It will start by providing an overview of the most popular anti‑spam solutions: Akismet, CAPTCHA, and reCAPTCHA.

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Akismet: AI‑driven spam protection

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Akismet is a tool that provides AI‑driven spam protection. It uses machine learning to scan and filter submissions in real time.

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Akismet can protect your entire website. That includes blocking spam in comment sections and forums, while preventing fake user registrations and protecting contact forms.

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Akismet boasts 99.99% spam detection accuracy. That means it’s very unlikely it will block out legitimate submissions.

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Furthermore, Akismet is a “set it and forget it” style tool. It works on the back end, so after you configure it, you won’t have to worry about managing it. 

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Perhaps most importantly, it works without requiring any actions from your legitimate site visitors — no riddles to ponder, puzzles to solve, or boxes to check. The result is a much happier audience (and better conversion rates). We’ll discuss this more in a bit.

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CAPTCHA: The classic anti‑spam test

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CAPTCHA stands for “completely automated public Turing test to tell computers and humans apart”. “Turing test” refers to the inventor Alan Turing, who created some of the first experiments to test a machine’s ability to show human intelligence.

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But a CAPTCHA is actually a reverse Turing test. You’ve likely come across plenty of CAPTCHA tests before.

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As this is a reverse Turing test, its main purpose is to weed out malicious bots that try to spam your website.

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The mechanism used in CAPTCHA is called human interaction proof (HIP). It requires individuals to prove they are humans via a challenge. The task should be relatively easy for any human to complete, but near impossible for a bot. 

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Typically, visitors are presented with an image containing distorted letters and numbers, and they must decipher and input those characters in a field for approval. If they succeed, they can proceed with the action they’re attempting to complete (like submitting a form).

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There are many other forms of CAPTCHAs, though, like audio CAPTCHAs that present challenges using spoken characters.

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Historically, CAPTCHAs have been used to reduce form spam. They can be included as a final field in a submission form, or configured to pop up on the screen.

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reCAPTCHA: An evolution of CAPTCHA

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In recent years, reCAPTCHA has become more common than CAPTCHA. Bots quickly evolved to be able to solve traditional CAPTCHAs, so Google created the reCAPTCHA.

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Here are the main types of reCAPTCHAs used by websites. 

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reCAPTCHA v1 

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The original iteration, reCAPTCHA v1, showed combinations of characters. It pulled images from books (as part of a larger digitization project), or used an algorithm to generate them. 

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It also used a similar mechanism as a traditional CAPTCHA, but it provided site visitors with one control word and one ‘suspicious’ word. The suspicious word was selected via optical character recognition (OCR) software. This was part of a larger process to rate and identify words for the reverse Turing test. 

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reCAPTCHA v1 could also leverage images instead of distorted words.

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As you probably already know, there are some serious user experience and accessibility issues with these types of reCAPTCHAs. In fact, reCAPTCHA v1 was shut down in 2018.

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reCAPTCHA v2 

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After reCAPTCHA v1, Google developed a more streamlined version called reCAPTCHA v2 or “noCAPTCHA”. 

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There are a few subtypes of this particular reCAPTCHA version. But since most of them are invisible, many people are only familiar with the “I’m not a robot” checkbox.

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As you can see, this requires less effort on the part of site visitors. The goal of reCAPTCHA v2 was to provide a seamless experience.

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Instead of a reverse Turing test, reCAPTCHA v2 analyzes user behavior on web pages. If a site visitor is deemed suspicious, they are presented with the checkbox prompt. Otherwise, they are passed through without being aware of the back‑end test.

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Another subtype of reCAPTCHA v2 uses an invisible badge. It works in the same way, but hides the checkbox behind a preexisting button on your website. When this type of reCAPTCHA is enabled on a website, you’ll see the following:

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This version of reCAPTCHA also works for Android devices. But it’s important to note that it requires some form of user interaction, like clicking on a button, for it to be effective.

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reCAPTCHA v3 

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As you can see, reCAPTCHAs have evolved to become increasingly discreet, which is certainly the case when it comes to reCAPTCHA v3. This version of Google’s anti‑spam technology goes a step further and verifies requests in the larger context of your website.

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It looks at visitor behavior (as with reCAPTCHA v2), but it also considers visitor history. In technical terms, it’s a JavaScript API that gives each request a score. Then website owners can take action based on those scores.

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Google recommends that you use reCAPTCHA v3 to verify forms or “actions” (i.e. clicks). You can also run it in the background on individual pages to collect data on traffic.

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Unfortunately, the newest version of reCAPTCHA has some serious flaws. First of all, legitimate users may not always have recourse if they’re falsely identified as spam — and it doesn’t report nearly as accurate of results as Akismet’s 99.99%. So you could be costing your company a shot at legitimate leads and customers. 

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And reCAPTCHA v3 also has some serious privacy issues as it essentially relies on surveillance of individual users’ behavior beyond just their visit to your site. It’s caused a fair amount of controversy that may bleed over to your organization.

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reCAPTCHA Enterprise

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Google offers reCAPTCHA Enterprise for larger businesses. It’s very similar to reCAPTCHA v3 in that it is frictionless for site visitors, working mostly on the back end.

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The main difference is that reCAPTCHA Enterprise can be applied across an entire website, not just a simple form or web page. Additionally, it’s more precise and allows for more customization.

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CAPTCHA vs reCAPTCHA vs Akismet: Key differences and similarities

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This section will look at Akismet vs reCAPTCHA vs CAPTCHA, focusing on their differences and similarities. Keep in mind that this is just a summary. You’ll find a more detailed comparative analysis in the next section. 

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CAPTCHA vs reCAPTCHA

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The main difference between CAPTCHA and reCAPTCHA is that most versions of the latter are a lot more subtle than the former.

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The only reCAPTCHA that employed a similar challenge to CAPTCHA was v1, and that version is no longer in use. reCAPTCHA v2 and v3, as well as the Enterprise version don’t interfere as much with the user experience.

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In most cases, if a visitor is flagged as suspicious, they’ll be required to validate their legitimacy by simply checking a box or clicking on a button. And in the case of the invisible CAPTCHA, they may not have to perform any action at all.

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CAPTCHA vs Akismet

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If you put CAPTCHA and Akismet head to head, there’s no competition. They offer opposite types of anti-spam solutions. 

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CAPTCHA very overtly interrupts the user experience, requiring visitors who are filling out a web form to complete a test before they can proceed through the conversion funnel. 

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Meanwhile, Akismet works completely on the back end, using AI and machine learning to detect malicious spambots and stop them in their tracks. It won’t interfere with the experience of legitimate visitors.

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reCAPTCHA vs Akismet

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It only really makes sense to compare reCAPTCHA Enterprise and Akismet. This is because reCAPTCHA v1 and v2 can’t compete with Akismet as they interfere with the user experience, just like CAPTCHA. And all non‑enterprise versions of reCAPTCHA (including v3) can only be implemented on forms or actions (like button clicks).

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Akismet offers complete solutions for both small businesses and enterprises. These tools won’t work on just one form or page, but on your entire website and everything it contains.

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What’s more, the software is very user‑friendly, both for your security team and your website visitors. Once you install and configure the tool, you won’t have to worry about anything else. It will work silently in the background, using AI and machine learning to identify and filter out multiple types of spam in real time.

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Additionally, most versions of reCAPTCHA just focus on forms and button interactions, whereas Akismet blocks form spam, spam comments, and any type of text‑based spam.

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While reCAPTCHA Enterprise can offer a full‑site solution, it still won’t give you the same level of sophistication and coverage as Akismet Enterprise. In fact, many well‑known enterprises like ConvertKit use Akismet for their anti‑spam needs.

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CAPTCHA vs reCAPTCHA vs Akismet: Comparative Analysis

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Now, it’s time to delve into a more in‑depth analysis of Akismet vs reCAPTCHA vs CAPTCHA. This section puts these anti‑spam solutions head‑to‑head on factors like effectiveness, user experience, accessibility, and more.

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1. Effectiveness against spam and bots

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When you’re choosing an anti‑spam solution for a business of any size, effectiveness is obviously a key consideration. So, how do CAPTCHA, reCAPTCHA, and Akismet compare in this area?

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First, studies show that bots are now more effective than humans at passing CAPTCHA tests.
That means CAPTCHAs are essentially obsolete.

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Meanwhile, due to poor user experience and accessibility issues, reCAPTCHAs can hurt your bottom line. They can end up alienating legitimate visitors. Furthermore, CAPTCHAs and most reCAPTCHAs can only be implemented on individual forms and web pages.

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Akismet is the most comprehensive option, and the most effective. It provides coverage for your entire website, not just a single web form or page. That includes protection against comment, form, and text spam. Plus, it doesn’t impact the user experience in any way.

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While you can implement reCAPTCHA Enterprise across an entire website, and it will protect against multiple types of spam, the code behind it has some downsides. It uses a JavaScript API, which can slow down your website. 

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On the other hand, Akismet uses artificial intelligence and machine learning to identify, filter, and block spam in real time. Akismet maintains a huge spam database (probably the biggest in the world), but all of this data is stored in the cloud so it doesn’t impact your site’s performance. 

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2. User experience and accessibility

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If you run an online business, offering a top‑notch experience is essential. Your site’s visitors should be able to navigate seamlessly through your website and its components, including forms and comment sections.

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When visitors encounter issues, they may become frustrated and abandon the page. Plus, a poor website experience can damage your company’s reputation.

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Unfortunately, CAPTCHA and reCAPTCHA both fall short in terms of user experience. 

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CAPTCHA is well-known for being frustrating at times, as some of the character-based and image challenges can be difficult to solve. Legitimate site visitors may fail the test and end up blocked from completing an important action, like filling out a lead capture form. 

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Furthermore, CAPTCHAs and some reCAPTCHAs (v1 and v2) present a major accessibility problem, as individuals with vision impairments may have trouble completing the reverse Turing tests. Likewise, anyone with a hearing impairment may be unable to complete audio CAPTCHAs.

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Similarly, reCAPTCHA v3 can alienate any individuals who are navigating the web in alternative ways. For instance, if a site visitor is using a voice tool or keyboard navigation, their keystrokes or interactions could be unfairly flagged as “suspicious”.

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3. Impact on form conversion rates

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When visitors can navigate seamlessly through your site’s conversion funnel, your company will be better able to maximize profits. On the contrary, if an anti‑spam tool is causing friction, the business might lose conversions.

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Most versions of reCAPTCHA can interfere with the steps in a sales funnel. For example, a site visitor may encounter a reCAPTCHA when creating a customer account, and another one when making a purchase. Both create opportunities for them to become frustrated and leave.

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Only reCAPTCHA v3 and reCAPTCHA Enterprise can provide a solution as discreet as Akismet. But as mentioned earlier, reCAPTCHA’s JavaScript API can impact your site’s performance.

\n\n

4. Impact on page speed

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Fast load times are an important aspect of a positive user experience. They also impact your Core Web Vitals scores, and as a result, they may affect your search engine rankings. 

\n\n\n\n

With this in mind, you’ll want an anti-spam solution that minimally impacts your website’s loading times. Since reCAPTCHA uses JavaScript or a JavaScript API on the back end of your site, this will likely slow it down — especially if you’re using a lot of other scripts. 

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Google’s developers recommend that reCAPTCHA should be loaded asynchronously. But this can require some advanced configuration, or adding another optimization tool to your site. 

\n\n\n

In contrast, Akismet is cloud‑based, so it won’t have any negative impact on your page speed.

\n\n

5. Integration and compatibility

\n\n

You might not want to use reCAPTCHA on websites that are already using a lot of JavaScript (unless you’re optimizing for speed with another tool). Additionally, reCAPTCHA Enterprise works with Google Cloud, so you’ll need to make sure it supports the infrastructure of your website.

\n\n

Akismet and Akismet Enterprise can be used on WordPress and many other platforms, including Drupal, phpBB3, Joomla, and more.

\n\n

In terms of compatibility, Akismet offers a more streamlined, hands‑off solution. This is likely ideal if you’re a busy security professional with lots of other important tasks on your schedule.

\n\n\n

If your business only has access to a small team, you might not have the personnel required for the services that reCAPTCHA Enterprise offers. Therefore, Akismet will be a better solution for you, as it doesn’t entail much work to run and maintain. 

\n\n\n

CAPTCHA vs reCAPTCHA vs Akismet: The bottom line

\n\n\n

Whether you run a small business or manage a team of security experts at an enterprise, you’ll need a robust anti-spam solution for your website. 

\n\n\n\n

As discussed in this article, there’s no reason to use CAPTCHAs anymore, as they are outdated and present serious issues in terms of user experience and accessibility. 

\n\n\n

Meanwhile, most reCAPTCHAs can disturb the customer journey, and unless you’re using reCAPTCHA Enterprise, you’ll need to implement them on individual forms and pages.

\n\n

Akismet, on the other hand, offers a complete solution for your enterprise website. What’s more, it’s cloud‑based and uses sophisticated AI and machine learning to get the job done.

\n\n

How to get started with Akismet (in three steps)

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If you’ve decided to use Akismet, here’s how to set it up on a WordPress site.

\n\n

Step 1: Install and activate the Akismet plugin

\n\n\n

First, you’ll want to navigate to your WordPress dashboard and go to Plugins → Add New. 

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You should see Akismet as one of the featured options. But if not, you can use the search tool to find it.

\n\n\n\"Akismet\n\n\n

Then click Install Now, followed by Activate.

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Step 2: Set up your Akismet account

\n\n

After you activate the Akismet plugin, you’ll be directed to a setup page in your WordPress dashboard. Alternatively, you could click on Settings → Akismet Anti‑spam.

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To proceed, simply hit the Set up your Akismet account button. Then you’ll be led to a page that shows all the different Akismet pricing plans. You’ll need to choose a plan and sign up for an account.

\n\n

Step 3: Enter your API key

\n\n

Once you’ve purchased an Akismet plan, you’ll be given an API key to connect your account to your WordPress website. Go ahead and enter this key into WordPress.

\n\n\n\"field\n\n\n

Then, click on Connect with API key, and that’s it! Akismet doesn’t require any configuration, but you can easily check to see if it’s working.

\n\n\n

Ready to improve your site and eliminate spam? Organizations both big and small can start here: https://akismet.com/pricing/ 

\n\n\n

Frequently asked questions

\n\n

This article has covered everything you’ll need to know about CAPTCHA vs reCAPTCHA vs Akismet. To sum up the key points, here are some answers to frequently asked questions about these tools.

\n\n

What is CAPTCHA?

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CAPTCHA stands for “completely automated public Turing test to tell computers and humans apart”. It’s a test or “challenge” that a site visitor must complete in order to fill out a web form. The most common types of CAPTCHAs require individuals to decipher distorted characters or select specific images.

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CAPTCHAs provide a poor user experience and can lead to accessibility issues. So you’ll likely want to look for a CAPTCHA alternative.

\n\n

What are the different types of CAPTCHAs?

\n\n\n

There are a few different types of CAPTCHAs. In the past, the most common options were character-based or image-based. These required individuals to either decipher distorted letters and numbers, or select images that contain certain elements. 

\n\n\n

There were also audio CAPTCHAs, which required visitors to listen to a series of letters and numbers, then input them into the fields provided.

\n\n

What is reCAPTCHA?

\n\n

reCAPTCHA is an iteration of the original CAPTCHA test. It’s more user‑friendly than basic CAPTCHA, and tends to be invisible. At most, it may require site visitors to check a box to confirm their legitimacy.

\n\n

What is Akismet?

\n\n

Akismet is a comprehensive anti‑spam software solution that you can install on the back end of your site. It uses AI and machine learning to block form spam, comment spam, and any other text‑based spam.

\n\n

Is Akismet better than CAPTCHA and reCAPTCHA?

\n\n\n

Akismet is a better solution than CAPTCHA and reCAPTCHA. It protects against a wide net of spam (not just form spam) and can be implemented on an entire site (not just an individual page). Akismet can do this thanks to AI and machine learning. 

\n\n\n

Plus, it’s user‑friendly, accessible, and discreet. It doesn’t interfere with the user experience the way that CAPTCHAs and some reCAPTCHAs do. And since it’s cloud‑based, it won’t negatively impact your website’s performance.

\n\n

How accurate is Akismet at stopping spam?

\n\n

Akismet offers a 99.99% accuracy rate when stopping spam.

\n\n

How many sites use Akismet?

\n\n

More than 100 million websites use Akismet, and the software has blocked more than 548,914,109,725 pieces of spam (at the time of this writing). Furthermore, plenty of well‑known brands, like Microsoft and Bluehost, use Akismet.

\n\n

Where can I learn more about Akismet?

\n\n\n

You can learn more about Akismet by checking out its full list of features on the official website. 

\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 17 Apr 2024 13:00:00 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:11:\"Jen Swisher\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:45;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:98:\"Do The Woo Community: New Show, Open Talk on Open Source with Robert Jacobi and Courtney Robertson\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:28:\"https://dothewoo.io/?p=82929\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:96:\"https://dothewoo.io/new-show-open-talk-on-open-source-with-robert-jacobi-and-courtney-robertson/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:209:\"In the premier episode of Open Talk On Open Source Show, hosts Robert and Courtney discuss their open source journeys and the need for collaboration and understanding between different open source communities.\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Wed, 17 Apr 2024 08:14:32 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:5:\"BobWP\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:46;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:96:\"Do The Woo Community: From a Full Stack Developer to a Product Developer with Alexander Gilmanov\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:28:\"https://dothewoo.io/?p=82913\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:95:\"https://dothewoo.io/from-a-full-stack-developer-to-a-product-developer-with-alexander-gilmanov/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:161:\"Alexander Gilmanov shares insights into his journey in the WordPress and WooCommerce space, growing a plugin business and the importance of community and events.\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Tue, 16 Apr 2024 09:59:00 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:5:\"BobWP\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:47;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:58:\"WordPress.org blog: How WordPress Is Creating a Faster Web\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:35:\"https://wordpress.org/news/?p=17208\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:74:\"https://wordpress.org/news/2024/04/how-wordpress-is-creating-a-faster-web/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:6777:\"

Today, WordPress powers more than 40% of the web. That’s a massive reach—one that comes with a similarly large responsibility. With so many people using the CMS, the WordPress community should always consider strategies for improving the visitor experience. This is where website performance plays a crucial role.

\n\n\n\n

How fast a web page loads, how quickly a page reacts when you click a button, or how smoothly it scrolls can all significantly impact the end-user experience. A more performant site can lead to higher reader engagement and more conversions. Thankfully, over the past few years, the WordPress project has made major performance improvements across the board for the core platform, plugins, and themes.

\n\n\n\n

Many enhancements are available out of the box, with no configuration required. They improve the website frontend’s performance—the part visitors see—and various parts of the administrative experience, such as the editor.

\n\n\n\n

Here’s a partial list of performance upgrades from the past year:

\n\n\n\n\n\n\n\n

In addition to the Core enhancements listed above, the WordPress project continues to work on several efforts that indirectly benefit the ecosystem’s performance.

\n\n\n\n

For instance, WordPress Core leverages automated tooling for continuously monitoring its performance, covering every product update. This helps measure new features’ performance improvements and enables contributors to detect potential performance problems during the development of a new feature or release so any issues can be proactively addressed long before end users are affected. A project is currently underway to make the same tooling used by WordPress Core developers available to plugin and theme authors as well.

\n\n\n\n

Additionally, the new WordPress plugin checker allows checking any plugin for performance best practices, among other requirements and recommendations. The plugin checker should lead to more performance awareness in plugin authors and, eventually, faster plugins. If you develop plugins, consider integrating this tool into your development and testing workflow.

\n\n\n\n

Last but not least, WordPress 6.5 introduced the Interactivity API, which is a technical foundation that facilitates more performant user interactions. This new infrastructure drastically simplifies the implementation of interactive website features and can even centrally control certain aspects of performance, keeping multiple independent plugins operating efficiently.

\n\n\n\n

These performance updates result from a collaborative effort from all corners of the community, including the WordPress Performance Team. This team, founded in 2021, underscores the WordPress project’s commitment to performance. And the results are substantial: Compared to a year ago, 8% more WordPress sites deliver good load time performance at scale—significantly better than the overall web’s 5.5% load time improvement. The web is getting more performant, and WordPress is leading the way.

\n\n\n\n

WordPress contributors are determined to continue this trend by working on further performance iterations. Whether you’re a WordPress end user, administrator, site builder, or developer, you can contribute to this effort. Anyone can test the performance features before being released in Core through individual feature plugins. Each feature can be tested via the Performance Lab plugin, so please try them! Testing features early helps the team assess their impact and collect valuable feedback.

\n\n\n\n

Are you eager for more WordPress performance news and updates? Then check out the 2024 performance roadmap. Thanks to the entire community for your hard work. Not only does it ensure WordPress’ continued improvement and growth, but it benefits the entire open web.

\n\n\n\n

Thank you to @annezazu @clarkeemily @tweetythierry @swissspidy @westonruter @adamsilverstein @joemcgill for content review and @provenself @dansoschin for editorial review.

\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:7:\"pubDate\";a:1:{i:0;a:5:{s:4:\"data\";s:31:\"Mon, 15 Apr 2024 14:00:00 +0000\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}s:32:\"http://purl.org/dc/elements/1.1/\";a:1:{s:7:\"creator\";a:1:{i:0;a:5:{s:4:\"data\";s:11:\"Felix Arntz\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}}}}i:48;a:6:{s:4:\"data\";s:13:\"\n \n \n \n \n \n \n\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";s:5:\"child\";a:2:{s:0:\"\";a:5:{s:5:\"title\";a:1:{i:0;a:5:{s:4:\"data\";s:79:\"WordPress.org blog: WP Briefing: Episode 77: Let’s Talk About Data Liberation\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"guid\";a:1:{i:0;a:5:{s:4:\"data\";s:53:\"https://wordpress.org/news/?post_type=podcast&p=17205\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:4:\"link\";a:1:{i:0;a:5:{s:4:\"data\";s:78:\"https://wordpress.org/news/2024/04/episode-77-lets-talk-about-data-liberation/\";s:7:\"attribs\";a:0:{}s:8:\"xml_base\";s:0:\"\";s:17:\"xml_base_explicit\";b:0;s:8:\"xml_lang\";s:0:\"\";}}s:11:\"description\";a:1:{i:0;a:5:{s:4:\"data\";s:43639:\"

Explore the WordPress Data Liberation project in this exclusive behind-the-scenes episode discussing WordPress migrations. Joining us is WordPress Executive Director Josepha Haden Chomphosy, along with special guest and sponsored contributor Jordan Gillman. Together, they’ll look at how the project is expanding opportunities to benefit from the freedom and flexibility WordPress offers. Don’t miss this enlightening discussion!

\n\n\n\n

Credits

\n\n\n\n

Host: Josepha Haden Chomphosy
Guest: Jordan Gillman
Editor: Dustin Hartzler
Logo: Javier Arce
Production: Brett McSherry and Nicholas Garofalo
Song: Fearless First by Kevin MacLeod

\n\n\n\n

Show Notes

\n\n\n\n\n\n\n\n

Transcript

\n\n\n\n\n\n\n\n

[00:00:00] Josepha: Hello, everyone, and welcome to the WordPress Briefing, the podcast where you can catch quick explanations of the ideas behind the WordPress open source project, some insight into the community that supports it, and get a small list of big things coming up in the next two weeks.

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I’m your host, Josepha Haden Chomphosy. Here we go! 

\n\n\n\n

[00:00:28] (Intro Music) 

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[00:00:40] Josepha: Today, I want to talk about the Data Liberation project that we first introduced at State of the Word. It’s a very big project with a lot of philosophical underpinning. So today, I have with me Jordan Gillman, who’s going to help us dig in a little bit deeper.

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Jordan, welcome to the show. It’s so great to have you here.

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[00:00:57] Jordan: Thank you. It’s lovely to be here.

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[00:00:59] Josepha: Before we get started, why don’t you tell us a little bit about yourself? Like what parts of the WordPress project you contribute to, and how long you’ve been hanging around in open source?

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[00:01:09] Jordan: Yeah, beautiful. I would love to. My name is Jordan. I live on the east coast of Australia, about an hour out of Sydney—about 10 minutes from the beach, which is a pretty great place to live. My relationship with WordPress began 19 or 18 years ago, I guess. I was tinkering with Movable Type, and they changed their license.

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And I went, I need to find something that’s free. And at that point, I had no idea what open source was. I just knew that I could use this WordPress platform for free to you know, tinker around and build websites. At the time, I was a graphic designer and, so web stuff was just fun. But gradually, that kind of took over, and I ended up doing a lot of front-end development and eventually freelancing for about ten years, building WordPress sites for churches and schools and kind of non-profit organizations like that. And through that, I’ve also then ended up doing some support for WordPress and landed being lucky enough now to be sponsored to contribute full-time into the WordPress project. I do a lot of work with the support team, so working in the public forums, particularly on core WordPress plugins and themes like Gutenberg and bundled themes, Twenty Twenty-Four.

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[00:02:15] Jordan: But also working with the team itself, trying to make sure the forums are a nice place for people to hang out and answer questions and get their questions answered. And I also help out with a few other things around the place. I have an eye on the work the plugins team’s doing, working with the WordPress Foundation on a few different things. I’m lucky to have my fingers in a few pies but the biggest pie at the moment I have is the Data Liberation project.

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[00:02:36] Josepha: Yeah. So let’s talk about that. We’re going to give everyone a quick like starting line. If, for some reason, you have not read or seen anything about the WordPress project plans so far in the last four months, you may not know what the Data Liberation project is, and that’s fine, too. Because Jordan and I are here to help you understand what it is. But, the Data Liberation project is something that Matt introduced to the project at State of the Word last year in December. And you, Jordan, are the one who are really helping us to take this project into a space where we have everything that we need, all the kind of tools and guides that users will need in order to do what exactly? Like, let’s go through what this Data Liberation project is from your standpoint and what made you excited to work on it.

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[00:03:27] Jordan: Thank you. Yeah, so the general idea of the Data Liberation project is it should be super duper easy for anyone to bring their site to WordPress. That’s the first main part of it, is that regardless of the platform you are on currently, be it something that’s pretty open, be it something that’s really kind of walls and closed, be it a social media platform, another web building platform, it should be really easy to bring your content over to a WordPress site, because once it’s in a WordPress site, it’s essentially free. You can then take it and do what you want with it once it’s in WordPress, but we want to make it as easy as possible to get it here, basically. 

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[00:04:03] Josepha: Free as in liberated, not free as in like, now the stuff that was in your mind has no value.

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[00:04:10] Jordan: Yeah, free as in liberated, free as in you own it and can do what you want with it. So that’s a big part of it. It’s, let’s get, make it easier for people to come to WordPress. I think it’s also important that if we’re talking about Data Liberation and freedom of content and democratizing publishing, that also means we make it easier for people to take their content from WordPress and use it somewhere else if that’s the decision that they make. And there’s some moves we can make to make that easier and nicer for people as well.

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[00:04:37] Josepha: Yeah. Yeah, absolutely. So, recently, we just finished up an outreach period where we were making sure that we were talking to, like, folks in the community and anyone, anyone who uses WordPress that wanted to talk to us about what they needed, what they were hoping for, what issues, what pain points they’ve had when they were looking at site migrations.

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So, what, to the best of your knowledge at the moment, like what are the big themes that you got out of that feedback loop? Out of that outreach?

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[00:05:08] Jordan: Yeah, thank you. That was really enjoyable, actually. I was lucky enough to, I got to speak to a bunch of people in person at WordCamp Asia, which was great. We’d done some, some online, did a hallway hangout, and we’ve had a survey out for a while to folks predominantly kind of in the hosting agency freelancer space. So, folks who are working with end users who are often the ones doing migrations. We got a lot of feedback about WordPress to WordPress migration and the challenges of different hosting platforms and access from users and a bunch of information, which is useful and interesting but not immediately relevant to the comparison to migrating to WordPress from another platform entirely.

But at the same time, talking to particularly agencies who do a lot of big-scale migrations, there’s a lot of challenges just when it comes to, for starters, getting the content out of the platform. Some platforms are kind of helpful, and they’ll even provide a WordPress formatted export. For every one of those, there are…

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[00:06:03] Josepha: That’s very helpful.

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[00:06:05] Jordan: Yeah, those are super helpful. For every one of those there are probably two or three who aren’t as helpful, and you start to resort to tricks with, you know, manually exporting databases or getting RSS feeds and trying to convert them, or a lot of agencies said, “You know what? Often, we end up just copying and pasting page by page from the source site into a brand-new WordPress site.”

[00:06:27] Jordan: So, there’s challenges about the access to the content. There’s lots of challenges around getting the content from the shape of one platform into WordPress. What constitutes a page? What constitutes a post? How do we handle all of the extra metadata of images and dates and taxonomies, and anything else that might be associated with a blob of content in one platform?

How do we translate that into the way WordPress likes to handle those things? And particularly taking that to another level, even just bringing it into the Block Editor? It was great to hear how many people are just migrating straight to the Block Editor like they want the content in blocks, which is wonderful to hear.

[00:07:05] Josepha: Yay!

[00:07:05] Jordan: But there are challenges. I know it’s great. But there are some, there are challenges with that and getting it to kind of format the way they expect, when it comes in particularly because there’s some kind of functional challenges with that in validating the way the content comes in because it all happens client side in the browser. 

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It’s hard to do that in big batches. So, there was some really great feedback around all of those kinds of places. It was really interesting to see how much of it centers around that getting the content and then getting the content, and yeah, for the agencies I spoke to, they do a lot of trial and error of, you know, custom scripts, and let’s try it. Oh, that did this. Let’s try again with a few tweaks. So I’m excited to see how we can kind of make that easier for them and, you know, maybe get it happening first time. 

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[00:07:49] Josepha: Yeah, absolutely. It has been a long time since I migrated any sites personally, but I remember the first time that I tried to migrate a site. So, I was on Xanga before Xanga was on WordPress, and I remember that when I was like, I can’t figure out this WordPress thing, but I think I need some stuff in it so that, like, I know what it’s going to look like.

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[00:08:11] Josepha: I know what to move around cause I didn’t know the names for anything in, in CSS or HTML. Like I didn’t know what to look for in the code, but if I had a piece of content in it, I could be like, find the content in the code and then move that. And so I was like, I’m going to export everything because there was an export option in Xanga. And move it into WordPress, and WordPress was like if you can manage to get it out of Xanga, super easy to get it in. But it was actually really difficult to figure out how to get it out. And fortunately, I’d only been writing on it for like four years, three, four years at that point. So there wasn’t like, a huge amount of content, but also, I was a pretty prolific writer. I was a bad writer, but the only way to get better at things you’re bad at is to do it a lot. So, I did a lot of bad writing for three or four years. And I think that in the end, I did, like, just pay some service to scrape everything that was public on it, and then go through and get the private things and pull it out later.

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[00:09:08] Josepha: I think later on down the road, I did an actual like full migration when it was easier to get it done and got all the content out, including like drafts and private posts and things. So that’s good. But yeah, it was really difficult then. And then, like, we have the blocks now that are supposed to help get a little bit more consistency in the way that you can move content in and out of a WordPress site.

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And is that something that we are then focusing on with the Data Liberation project? Is that something that’s being done in concert with our Gutenberg plugin, or like how are we accounting for that?

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[00:09:46] Jordan: That is a great question. The way things are looking at the moment, having come out of this feedback and the way we’re looking at going forward that, that work on getting content coming into blocks is going to be a really, really major part of Data Liberation. And it kind of sits in the middle of things to my mind.

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[00:10:01] Jordan: The improvements that we can make with handling the way content is transformed into blocks gives us the potential of wins in a lot of places. So, as long as we can get to the content, this work on HTML to blocks for a better, lack of a better way of putting it, gives us wins with importing from another platform because we can take the content in whatever form it is, turn it into blocks in the post editor.

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It gives us wins with migrating from classic editor because, similarly, we can take the HTML of the classic editor generates and turn it into blocks. That already kind of happens, but there’s definitely some work that we can do to keep improving that. It gives us potential wins around the spaces of moving from between proprietary builders and block libraries and things. Because if we start to have a better-standardized set of ways to handle HTML into blocks.

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Then, you can essentially move from whatever form your content is in into, you know, core native blocks in the editor. So, I think work there is going to be really important because it gives us a foundation to aim for from whatever the migration is happening from.

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[00:11:09] Jordan: So, there’ll be some work there. There’s already work happening on the HTML API. Like, ongoingly and regularly and so we’ll be talking to those folks. There’s obviously going to be a lot of overlap with the work within Gutenberg as well, which is doing you know, parsing of content into blocks. So, it’s going to take a lot of collaboration and a lot of work from everyone, but I’m really excited because if we can get that foundational platform of transforming HTML into blocks really, really smooth, then what we can do is we can, you know, activate contributors in the community say, we’ve got this part figured out. If you can get it to here, it’s going to come in beautifully. So what we want your help with is to say, how do I get out of this platform to a format that we can do the rest? So, hopefully, we’re getting a common flow for a big part of that important migration process. And then we can throw it open to others to say, “You’ve got expertise with this platform. That’s excellent. Can you get us to here? And we’ll take it from there.” And maybe we’ll get some wins by doing that work in parallel, and we’ll really start to see some movement.

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[00:12:13] Josepha: And speaking of the, we’ll take it from there. I know that also, in addition to the work that you are doing with Data Liberation and that is happening on the Gutenberg side and WordPress core in general, we also have a little bit of work happening on the after you get it to here point.

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So, the folks over at Playground have been doing a bit of research about how to use the guides and tools that are in the Data Liberation repo. To run all of that through Playground so that you can not only like import it, but you can put it into Playground and check it before you launch it in someplace else, which I think is a great user-facing, like, super important thing for an everyday user to be able to have at their fingertips that way.

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But then also the tour plugin that was built, I think specifically for the Polyglots team, is where we are looking at using, and I can’t remember which little project we’re doing some research on to make this possible, but we’re looking at taking that tour plugin and making it so that anyone can build a tour on anyone’s version of something in a browser so that you can just say, okay, so I did these things. I got it to here as you requested. I’m moving it to here. But now that I have got it into WordPress, what are the literal buttons I have to press in order to make sure it’s live? What do I literally have to press in order to make sure that I’m in the right time zone? Like, things like that. And we tested it on Wix, and it was able to work.

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[00:13:40] Josepha: Not that we’re trying to get anyone to Wix. But on the subject of, like, getting things out of WordPress and into someone else, that sounds counterintuitive for folks, like, you’re here listening to a WordPress podcast, and we’re talking about how and why we want to make it easier for people to get their content to us, of course, but then also, if needed, get it out of a version of WordPress and either into a different version of WordPress with a new host or, whatever.

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Or if this is not your long-term destination, which we think it will be once you figure us out, but like, if it’s not, like, how to get out of it, too. So, from your perspective, how does that fit with the basic philosophies of open source or of WordPress in general?

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[00:14:24] Jordan: Yeah, thank you. If I may, there’s a couple of things I wanted to touch on from what you’ve said. First of all the other work that is going on in the project at the moment that you mentioned, the tour guide and the Playground, I think both of those are going to be super important to the approach we take to Data Liberation.

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I wanted to elaborate just a little bit on the Playground because I’m particularly excited about the potential that gives for two particular scenarios two particular use cases for migration. One is, where I’ve already set up a WordPress site, I’ve got the theme that I’d like, and I’ve got some, you know, some plugins, maybe I’ve got a little bit there, but I want to import content, but I want to check how it is the potential for the Playground to make essentially a staging copy of my site and migrate the content into that staging copy so I can see how it lands in my chosen theme and check everything out and then go, yep, that looks great. And apply it. That’s great for it’s safe. You can check how it looks before it’s, you know, committed. So that’s brilliant. I’m excited about that. I’m also excited about the potential it has for people who don’t know WordPress, or don’t have a WordPress site, or they don’t have a host, they don’t have anything.

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[00:15:30] Jordan: But if they can say, I want to see how this would go in WordPress. Playground, through some platform, somewhere, will allow them to just have an immediate in-browser preview of what their site would look like on WordPress. And if they like it, we then move them. We help them find a host. We help them export that in a way that they can use, but it helps the people who already have sites.

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But I think, more importantly, it helps those who don’t have a site yet. And they don’t have to set up an empty WordPress install in order to start migrating. They can just get into it. 

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[00:16:01] Josepha: And also, you don’t have to, like know who your host needs to be before you can take a look at the back end of a WordPress site and see if it makes sense to you. Like I think that that is a huge, huge win on behalf of users, current users, and future users of WordPress.

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It’s the try before you buy. Come kick our tires without having to find a server. If you all don’t know what we’re talking about, if you have not heard of Playground yet, you can go to playground.WordPress.net and give it a try. It’s a one-click, serverless local version of WordPress that you can test out themes on and plugins, and just like put all your data into all your content into, and pretty soon also be able to export or just load directly onto the host of your choice. It’s really, really cool.

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[00:16:44] Jordan: It’s, it’s pretty much magic, I think. 

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[00:16:47] Josepha: Yes, I remember the first hackathon where we took it because we took it basically on a hackathon roadshow for six months. I remember the first one we took it to. Routinely, we could get developers, not me, routinely, Adam Zieliński could get a developer to do the thing, and they’d be like, I can do it if you’re next to me telling me what to do, but it’s literal magic. I don’t know what’s happening. And he was like, okay, I’ll come explain it to you. And like, he was using English, but also I was like, that is still magic. I’m so glad someone understands it. It’s brilliant.

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[00:17:18] Jordan: Yeah, so the Playground I’m super excited by. I think it’s going to be really important. The tour stuff the tour functionality is going to be really important as well. Because on some level, We’re going to have to wrap all of this work on improving HTML to blocks, the process of taking an export file and importing it into WordPress, the process of telling people how to get the content, all that’s going to have to be ideally wrapped up in a nice user-friendly way so that users aren’t having to, you know, read plain text articles and then going and installing a plugin and all of those kinds of things.

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I think the potential for the tours is we may have some kind of wrapper plugin or something which will detect the platform of your existing site if you put the URL in, and it will start walking you through the steps. So, part of that might be action you need to take on your existing platform, and we have some of that information already in the guides on the Data Liberation site at WordPress.org/data-liberation. That information is already there, but I’m hoping that we can start pulling those guides into the WP Admin so you just get walked through it while you’re there. And we can start using the tour functionality to really specifically pinpoint: you need to go here, now you can do this, go and click this, and just walk users through that migration process a little bit more neatly.

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[00:18:37] Jordan: I’m really excited that we’re going to be able to utilize a lot of these existing projects that are exciting and happening at the moment. And I think, ideally, they’re all going to make it much easier for users to not have to jump through so many hoops. And the hoops that they do have to jump through, we can hold their hand while they do it.

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[00:18:54] Josepha: Yeah, absolutely. Create safe scaffolding for fun, I used to say.

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[00:18:59] Jordan: So those are the two projects existing that are happening at the moment that I’m excited about rolling into and working with for the Data Liberation work.

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[00:19:07] Jordan: You also asked about the getting content back out, which is something that I’m particularly passionate about, I suppose. Which may be ironic when a lot of the aim of this project is to get people into WordPress. But I’m a really firm believer that if our mission is to democratize publishing, then that doesn’t mean just get everyone onto WordPress and go, yes, now you’re trapped. It’s like the Hotel California, you can never leave. If we’re going to be, you know, fully all in on democratizing publishing, then that means giving folks the freedom to take their content to do with it, whatever they want. It’s fair to say at the moment that that is possible.

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So you can export your content from WordPress. We don’t hang onto it. We don’t lock it down. You can take it. At the moment, the format that you get that content in has some limitations. It’s fair to say it doesn’t handle bringing the media of your site particularly well unless you’re turning it into another WordPress site somewhere else.

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So, the export functionality is very, very focused at the moment on migration to another host, or to a local site, or to another WordPress installation, basically. But if you want to use that content for something else, maybe another platform. Maybe you just want to have a copy of your blog posts that you can. 

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[00:20:17] Josepha: Print it into a book.

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[00:20:18] Jordan: Yeah, to put into a book. Maybe you want to put it on a thumb drive and put it in a lockbox somewhere. Maybe you want some kind of hundred-year archive of your intellectual property that you’ve written and created. And so I think we’ve got some room to make improvements there. Not only to the way we provide content for other platforms to pick up and bring in but also just in the ways that we provide content to users who just really want to have a physical, digital copy of what they’ve created. 

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There are some challenges at the moment when you get an export, if you’ve got shortcodes in your content, if you’ve got content that’s generated by plugins, all kinds of dynamic content that is great when it’s a website, and WordPress is wonderful. And there’s all of these options, but if you take an export, you have references to those functions, and you have references to those shortcodes, which aren’t actually fully realized. So I think there’s some room for us to investigate what does a better export for other platforms look like and what does a better export for “I want to print it out or turn it into a book or just have a static version of that” content look like. And so I’m particularly excited about that, even though it’s kind of, bring it in, and we want to let them get it out. But that’s part of the whole liberation of data, I suppose, is, you know, the freedom to do with it what you want.

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[00:21:40] Josepha: Yes, absolutely. And everything that increases freedom on the open web, I think we are in favor of. So, I don’t know if you follow many, like WordPress futurists, our people who are out there saying, if only WordPress had these additional 2,500 hours worth of work, then we could do this with it. Like, I don’t know if you follow a lot of them. 

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[00:22:02] Josepha: But, a lot of them look at that thing that Matt said, like, I want to say, five years ago about WordPress becoming the operating system of the web and putting some thought into what would be required to make that possible. And when we look at composable CMSs, like the option to have something that is a framework and a core of what you are doing in your digital experience of the web. And making it possible to add anything to it required. 

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I think that also the work that we’re doing with Data Liberation to provide a little bit more consistency and just standardization of the way that content comes in and out, I think, can only help with that potential future implementation of WordPress as the operating system for the web so that you have this basic place where you hold and manage all your content and also not only does WordPress cooperate nicely with all these other tools and applications that you can put on top of it but also all of the content has standard conversational touch points and so everything moves quickly in and out including the dynamic content that is maybe being created inside your WordPress core itself. I think that is also a really important not primary focus, but certainly future-like, if only we could get to that state kind of focus. 

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[00:23:31] Josepha: I’m really interested. I think that the Data Liberation project is big, and I know that we expected primarily only new contributors to work on it, but honestly, we know that’s not the case. It’s you’re working on old WordPress in here and so not necessarily new contributors. But I think that you’re right that the place for new contributors to help us is saying like we can get the content to here, we can get the data to here, and then we need help getting it into WordPress or help getting it into something else.

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So, as like a last question here, or if you have things to add to that, and then I can do last question.

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[00:24:04] Jordan: Okay, so to loop back to your conversation about futurists and moving content and stuff, I am really excited about this idea that the open web at the moment, I think, is really, really exciting. I just started mucking around with federating my content in the fediverse. Again, recently, I tried it a little while ago and really struggled, but I’ve just started again, and it’s sitting really comfortably with me, and it’s, it’s feeling like it’s a great time for posting and owning your content, and then syndicating it elsewhere. I have seen a couple of really interesting conversations about what you were saying about, like I’ve seen the conversations in the past about, you know, operating system of the web, but also some talk and ideas recently about what would it look like if we stored all of our data in a WordPress instance?

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What if all of my photos aren’t on Instagram? They are on my WordPress site. What if I pull in my Fitbit or my Strava information and just store it in WordPress so that I can do with it what I want once it’s there? What if I, I don’t know, what if I pull in kind of all of my different sources of data and I, and I house them in WordPress and then I can do with them what they want, would do with them what I want.

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[00:25:08] Jordan: And that is when the Data Liberation stuff becomes especially important because if it’s your everything, you want to take your everything somewhere else. But I’m really excited for kind of all of that kind of space at the moment and giving people the freedom to own that data and when they create stuff.

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In actual fact, this is one of the things that you said in your talk at WordCamp Asia, which has really stuck with me was, and I can’t remember the exact phrase, but you said if you’re going to do all of this work of creating something, you may as well do it somewhere where you own it and can keep it. And that, for me, is just such a strong driver for getting people onto WordPress. Particularly from, at the moment, social media platforms. I’ve got two young daughters who are just getting to the age where they’re creating videos at home, which aren’t being published anywhere, but they’re starting to. They’ve got friends who are doing YouTube channels, and they’ve got friends on Instagram.

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And I’m looking at all of that going, I get the urge to create, and I get the urge to publish, but I want them to have an alternative to do all of that so that in five years’ time, ten years time, whatever it is, when they go, wow, I did all of this stuff. I don’t want that owned by someone else. I’ve created all this, and I’m excited by the possibility of having that become a simpler, more user-friendly, accessible option to folks, where it becomes just as easy to have a WordPress site, which is your Instagram feed or a WordPress site, which is your YouTube channel or something like that, where you own it, and you just create it, and it exists. And Data Liberation means you want to take a copy of all that stuff, go for it, download an archive, you know, print out the photos, do whatever you want, but they’re yours. You have them. And so, it’s really feeling like all of that is coalescing together a little bit at the moment. I think it’s a really exciting time. 

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[00:26:52] Josepha: And also, like, since we’re just meandering around in philosophical spaces, two philosophical thoughts. One, I really, really feel like it’s important and valuable for people to document their lives. I have a pretty private social media presence; mostly, if you’re following me on social media, it’s because, like, you have literally been in my living room or you’re looking for WordPress news. Like that’s it. But I am constantly am documenting my life just for myself, like the folks who are listening, which is everybody, because we don’t do video, will not know that I have back behind me a shelf that is nothing but journals from my leadership journey, like from the moment that I realized that like leadership was something that was a skill and could change people’s lives like I’ve done nothing but document like I ran into this problem. This is the research that I did to figure out what was happening and not, and just like it’s really mundane things in my work now. But the work and the process of documenting, like, what’s happening for you and with you in your life and how you’re interacting with it, like, it’s just important for your mental health and for your understanding of the passage of time.

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[00:28:05] Josepha: But then also you were talking about, like, having a hundred-year archive of your thoughts and things, like, there will be a point at which digital information being ephemeral because it’s just electricity wandering around between screens, like, it’s prone to getting lost in the same way that physical things are prone to getting lost, but the loss is less acute in the moment.

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And so you can accidentally lose it. And I think that that’s a real long-term not problem for society necessarily, but I think it is something from a societal standpoint where we’re gonna, at some point in the near future, realize that some of us have huge missing gaps where we, like just got rid of everything that we ever documented because we had a moment on social media or because it seemed like the only way to reclaim our content or our data or our privacy or whatever it was. And so I have a yeah. I love it. I love everything that we’re talking about, about the speculative future and WordPress. And so yes, now, well, now everybody knows all my thoughts on speculative WordPress. 

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[00:29:06] Jordan: There’s an interesting philosophical conversation which we’re like coming towards of what’s the equivalent in a hundred years, in 200 years of now, of the Library of Congress for philosophical and powerful writing. There is so much great stuff that is written on the web, and it just exists there.

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In a hundred years, when people are writing about the early work of an artist or a politician or, you know, a notable figure, we don’t, we’re not going to have handwritten letters. We’re not going to have correspondence. But we’ll have tweets. We could have blog posts. Like, it interests me to think, like, the stuff that we take for granted of historical creation is happening digitally now. And so, equivalently, in the future, how, how is that gonna get retained? How much amazing knowledge and thinking is gonna just, you know, have their hosting account expire and get removed? And it’s an, it’s it’s a big conversation, but it’s an interesting one.

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[00:30:09] Josepha: Yeah. Oh, what a fascinating discussion we’ve had today. So, by way of wrapping up our discussion here, why don’t you give us a sense for, like, if you are a user of WordPress and you were like, this sounds really interesting, I want to learn more, where can they go? But also, if you are someone who wants to learn how to contribute to WordPress and this sounds like a good opportunity for you to get started with that. Where can people find more about this project, about how to get started, how to contribute, all that stuff? 

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[00:30:38] Jordan: If you are someone who is hearing about this for the first time and coming to it pretty fresh and haven’t been working in the WordPress community much before. The best place to go will be WordPress.org/data-liberation, that will give you not only access to the tools and guides that exist but also some information on where the development and discussion is happening.

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That’s the easiest pathway to find your way into those conversations as well. For folks who already have a little bit of experience and, it may be contributed code or a part of discussions already. The place to go to would be github.com/WordPress/data-liberation. That’s where there’s a lot of discussion. That’s where the existing tools and guides are being managed and worked on. So, if you really want to dive in. Please come and join us there. There are discussions to be had. There are ideas to be floated. That’s where all of the boots-on-the-ground work is going to be happening.

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[00:31:25] Jordan: The other great place is within the Make WordPress Slack organization. And we have a Data Liberation channel in there. That is primarily where we have higher-level conversations, and we chat about stuff, and I’m hoping that becomes a real hub for work-adjacent discussion. So GitHub is going to be for all of this is where all the work’s happening, but the Slack channel is where people can share their thoughts on what’s possible, and big picture ideas, and that kind of stuff. So those will be the three best places. WordPress.org/data-liberation for the overview, github.com/WordPress/data-liberation for where the work’s actually happening, and WordPress Slack in the Data Liberation channel. If you want to come and chat more about the possibilities and, you know, helping get the future of the open web happening.

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[00:32:17] Josepha: I mean, that is an enticing call to action. We’ll have links to all of the, all three of those in the show notes, as well as links to everything that we kind of mentioned over the course of our conversation. But Jordan, thank you so much for joining me today.

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[00:32:32] Jordan: Thank you so much for having me. It’s been great.

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[00:32:34] (Music interlude) 

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[00:32:41] Josepha: And now it’s time for our small list of big things. I’ve got three things for you this week. 

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The first thing on the list is that WordCamp US tickets are now on sale. So that event is happening from September 17th through the 20th in Portland, Oregon. There are general admission tickets and micro sponsor tickets available. And if you have seen the cost of the ticket but had not quite noted the length of the event, I just want to assure you that the cost per day is the same now as it was and has been for years. It’s still that same 25-dollar-a-day ticket that you’ve got; it’s just that it’s four days long this time. We’ll have a link to the tickets in the show notes, but then also you can always wander over to us.wordcamp.org, and it’ll take you right there. 

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The second thing on our list is that WordPress 6.5 is here. It is named Regina. If you listened to our show last week, you know that it was a huge release and kind of has something for everyone. So, if you have not yet downloaded it to take a look at it, do that. If you have not updated your sites yet, run a backup because you should always do a backup and then get that on your site and start testing everything out.

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And the third thing on our big list, our small list of big things, is actually that we’re looking at dropping support for PHP 7. 0 and 7. 1 in upcoming releases of WordPress this year. It should not be too disruptive a change. However, it is going to take a lot of people to test it and make sure that everything’s working as we want it to work and as we need it to work. And so while we head toward that, I want to make sure you’ve got the resources that you need to know what’s happening, where it’s happening, how it’s going to affect you. I’ll leave some resources in the show notes for that as well. 

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[00:34:27] Josepha: And that, my friends, is your small list of big things. Don’t forget to follow us on your favorite podcast app or subscribe directly on WordPress.org/news. You’ll get a friendly reminder whenever there’s a new episode. If you liked what you heard today, share it with a fellow WordPresser, or if you had questions about what you heard, you can share those with me at WPBriefing@WordPress.org. I’m your host, Josepha Haden Chomphosy. Thanks for tuning in today for the WordPress Briefing, and I’ll see you again in a couple of weeks. 

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[00:34:54] (Music outro) 

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Благодарим всех, кто принял, ждите анонса новых акций и участвуйте.'), (28134, 689, '_yoast_wpseo_content_score', '90'), (28135, 689, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (28136, 689, 'post_count_689', '377'), (28137, 689, 'post_count_all', '338'), (28138, 696, 'inline_featured_image', '0'), (28139, 696, 'longer-permalinks-post-name-longer', 'stan-samozanyatym-i-poluchi-500-rublej-2'), (28140, 696, '_thumbnail_id', '697'), (28141, 696, '_edit_last', '13'), (28142, 696, '_yoast_wpseo_primary_category', '21'), (28143, 696, '_yoast_wpseo_focuskw', 'Стань самозанятым'), (28144, 696, '_yoast_wpseo_title', 'Стань самозанятым и получи 500 рублей'), (28145, 696, '_yoast_wpseo_metadesc', 'Станьте самозанятым на Пампаду с 9.09.2021 до включительно 17.09.2021, бонус 500 рублей будет начислен на счёт в личном кабинете 18.09.2021'), (28146, 696, '_yoast_wpseo_linkdex', '64'), (28147, 696, '_yoast_wpseo_content_score', '60'), (28148, 696, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (28149, 696, 'post_count_696', '489'), (28150, 696, 'post_count_all', '441'), (28151, 699, 'inline_featured_image', '0'), (28152, 699, 'longer-permalinks-post-name-longer', 'pampadu-sovmestno-s-admitad-expert-provodit-konferentsiyu-dlya-veb-masterov'), (28153, 699, '_thumbnail_id', '700'), (28154, 699, '_edit_last', '13'), (28155, 699, '_yoast_wpseo_primary_category', '21'), (28156, 699, '_yoast_wpseo_focuskw', 'Admitad Expert'), (28157, 699, '_yoast_wpseo_metadesc', 'Немного о ней:Большие бренды, рекламодатели и владельцы крупных рекламных площадок соберутся 17 октября на офлайн-конференции Admitad Expert в Москве.'), (28158, 699, '_yoast_wpseo_linkdex', '56'), (28159, 699, '_yoast_wpseo_content_score', '90'), (28160, 699, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (28161, 699, 'post_count_699', '446'), (28162, 699, '_yoast_wpseo_title', '%%title%% %%page%%'), (28163, 699, 'post_count_all', '377'), (28164, 702, 'inline_featured_image', '0'), (28165, 702, 'longer-permalinks-post-name-longer', 'oformlenie-osago-na-a-b-c-d-otkryto-vsem-agenta'), (28166, 702, '_thumbnail_id', '703'), (28167, 702, '_edit_last', '1'), (28168, 702, '_yoast_wpseo_primary_category', '21'), (28169, 702, '_yoast_wpseo_focuskw', 'Оформление ОСАГО'), (28170, 702, '_yoast_wpseo_title', '%%title%% %%page%%'), (28171, 702, '_yoast_wpseo_metadesc', 'Оформляйте страховку для любых авто и любой цели, в том числе для грузовых авто, такси и учебного транспорта.'), (28172, 702, '_yoast_wpseo_linkdex', '44'), (28173, 702, '_yoast_wpseo_content_score', '90'), (28174, 702, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (28175, 702, 'post_count_702', '673'), (28176, 702, 'post_count_all', '571'), (28177, 710, 'inline_featured_image', '0'), (28178, 710, 'longer-permalinks-post-name-longer', 'gde-oformit-nesegment'), (28179, 710, '_edit_last', '1'), (28180, 710, '_yoast_wpseo_content_score', '90'), (28181, 710, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (28182, 710, '_thumbnail_id', '712'), (28183, 710, '_yoast_wpseo_primary_category', '1'), (28184, 710, '_yoast_wpseo_focuskw', 'что такое система Е-Гарант'), (28185, 710, '_yoast_wpseo_linkdex', '44'), (28186, 710, '_yoast_wpseo_title', '%%title%% %%page%%'), (28187, 710, 'post_count_710', '1133'), (28188, 710, 'post_count_all', '1041'), (28189, 724, 'inline_featured_image', '0'), (28190, 724, 'longer-permalinks-post-name-longer', 'izmenenie-kv-po-osago-v-soglasie-i-rosgosstrah-s-01-10-2021'), (28191, 724, '_thumbnail_id', '725'), (28192, 724, '_edit_last', '1'), (28193, 724, '_yoast_wpseo_primary_category', '1'), (28194, 724, '_yoast_wpseo_focuskw', 'Изменение КВ по ОСАГО'), (28195, 724, '_yoast_wpseo_title', '%%title%%'), (28196, 724, '_yoast_wpseo_linkdex', '48'), (28197, 724, '_yoast_wpseo_content_score', '60'), (28198, 724, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (28199, 724, '_yoast_wpseo_metadesc', 'С 01.10.2021 значительно изменены размеры комиссий от СК Согласие и Росгосстрах. Рассказываем подробно, по каким регионам было повышение, а по каким понижение.'), (28200, 724, 'post_count_724', '686'), (28201, 724, 'post_count_all', '632'), (28202, 743, 'inline_featured_image', '0'), (28203, 743, 'longer-permalinks-post-name-longer', 'novosti-pampadu-04-10-2021'), (28204, 743, '_thumbnail_id', '744'), (28205, 743, '_edit_last', '17'), (28206, 743, '_yoast_wpseo_primary_category', '21'), (28207, 743, '_yoast_wpseo_focuskw', 'новости Пампаду'), (28208, 743, '_yoast_wpseo_title', '%%title%%'), (28209, 743, '_yoast_wpseo_metadesc', 'Рассказываем о последних обновлениях в ОСАГО и Ипотеке, которые вы могли пропустить. 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Сегодня поговорим о правильном выборе страховой.'), (28233, 750, '_yoast_wpseo_linkdex', '67'), (28234, 750, '_yoast_wpseo_content_score', '60'), (28235, 750, '_yoast_wpseo_estimated-reading-time-minutes', '3'), (28236, 750, 'post_count_750', '592'), (28237, 750, 'post_count_all', '547'), (28238, 793, 'inline_featured_image', '0'), (28239, 793, 'longer-permalinks-post-name-longer', 'pampadu-rezident-skolkovo'), (28240, 793, '_thumbnail_id', '794'), (28241, 793, '_edit_last', '13'), (28242, 793, '_yoast_wpseo_primary_category', '21'), (28243, 793, '_yoast_wpseo_focuskw', 'pamdadu сколково'), (28244, 793, '_yoast_wpseo_title', '%%title%% %%page%%'), (28245, 793, '_yoast_wpseo_metadesc', 'В конце сентября экспертный совет завершил проверку и принял решение о принятии blg.pampadu.ru в состав резидентов Сколково.'), (28246, 793, '_yoast_wpseo_linkdex', '44'), (28247, 793, '_yoast_wpseo_content_score', '60'), (28248, 793, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (28249, 793, 'post_count_793', '418'), (28250, 793, 'post_count_all', '367'), (28251, 803, 'inline_featured_image', '0'), (28252, 803, 'longer-permalinks-post-name-longer', 'kak-zarabatyvat-s-e-garant'), (28253, 803, '_thumbnail_id', '804'), (28254, 803, '_edit_last', '1'), (28255, 803, '_yoast_wpseo_primary_category', '21'), (28256, 803, '_yoast_wpseo_focuskw', 'заработок с Е-Гарант'), (28257, 803, '_yoast_wpseo_title', '%%title%% %%page%%'), (28258, 803, '_yoast_wpseo_metadesc', 'Сегодня расскажем, почему и как платная услуга Е-Гарант полезна профессиональному страховому агенту.'), (28259, 803, '_yoast_wpseo_linkdex', '59'), (28260, 803, '_yoast_wpseo_content_score', '60'), (28261, 803, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (28262, 803, 'post_count_803', '578'), (28263, 803, 'post_count_all', '519'), (28264, 815, 'inline_featured_image', '0'), (28265, 815, 'longer-permalinks-post-name-longer', 'onlajn-agregatorov-mogut-vynudit-rabotat-tolko-s-predprinimatelyami-i-samozanyatymi'), (28266, 815, '_edit_last', '14'), (28267, 815, '_yoast_wpseo_primary_category', '21'), (28268, 815, '_yoast_wpseo_focuskw', 'обязательство быть самозанятым'), (28269, 815, '_yoast_wpseo_title', '%%title%%'), (28270, 815, '_yoast_wpseo_metadesc', 'Рассказываем о будущих изменениях работы самозанятых с онлайн-агрегаторами и почему стоит на него перейти уже сейчас'), (28271, 815, '_yoast_wpseo_linkdex', '41'), (28272, 815, '_yoast_wpseo_content_score', '60'), (28273, 815, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (28274, 815, '_thumbnail_id', '819'), (28275, 815, 'post_count_815', '594'), (28276, 815, 'post_count_all', '543'), (28277, 825, 'inline_featured_image', '0'), (28278, 825, 'longer-permalinks-post-name-longer', 'vazhno-novye-pravila-vneseniya-izmenenij-v-polisy-otkaz-v-vyplate-kv'), (28279, 825, '_thumbnail_id', '827'), (28280, 825, '_edit_last', '1'), (28281, 825, '_yoast_wpseo_primary_category', '21'), (28282, 825, '_yoast_wpseo_focuskw', 'новые правила внесения изменений в полисы'), (28283, 825, '_yoast_wpseo_title', '%%title%%'), (28284, 825, '_yoast_wpseo_metadesc', 'Рассказываем о новых правилах внесения изменений в полисы. 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Сообщаем вам хорошую новость. Мы перезапустили страховую компанию «Астро-Волга», а это значит, что теперь её полисы вы можете оформить на Пампаду!'), (28593, 1173, 'post_count_1173', '427'), (28594, 1173, 'post_count_all', '383'), (28595, 1191, 'inline_featured_image', '0'), (28596, 1191, 'longer-permalinks-post-name-longer', 'zapustili-korporativnoe-strahovanie-na-pampadu'), (28597, 1191, '_thumbnail_id', '1192'), (28598, 1191, '_edit_last', '13'), (28599, 1191, '_yoast_wpseo_primary_category', '21'), (28600, 1191, '_yoast_wpseo_focuskw', 'корпоративное страхование'), (28601, 1191, '_yoast_wpseo_title', '%%title%% %%page%%'), (28602, 1191, '_yoast_wpseo_metadesc', '? Мы запустили корпоративное страхование юр. лиц на Пампаду! ? 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Рассмотрим оба варианта и сделаем вывод! ?‍♂️'), (28619, 1194, 'post_count_1194', '1466'), (28620, 1194, 'pld_dislike_count', '1'), (28621, 1194, 'post_count_all', '1320'), (28622, 1203, 'inline_featured_image', '0'), (28623, 1203, 'longer-permalinks-post-name-longer', 'skolko-zarabatyvaet-strahovoj-agent'), (28624, 1203, '_thumbnail_id', '1204'), (28625, 1203, '_edit_last', '14'), (28626, 1203, '_yoast_wpseo_primary_category', '21'), (28627, 1203, '_yoast_wpseo_focuskw', 'сколько зарабатывает страховой агент'), (28628, 1203, '_yoast_wpseo_title', '%%title%% ? Блог Pampadu'), (28629, 1203, '_yoast_wpseo_metadesc', '? Разбираемся, сколько зарабатывает страховой агент. Как быстро он сможет получить первые доходы от деятельности и от чего они зависят ?'), (28630, 1203, '_yoast_wpseo_linkdex', '76'), (28631, 1203, '_yoast_wpseo_content_score', '60'), (28632, 1203, '_yoast_wpseo_estimated-reading-time-minutes', '3'), (28633, 1203, 'post_count_1203', '1441'), (28634, 1203, 'post_count_all', '1297'), (28635, 1206, 'inline_featured_image', '0'), (28636, 1206, 'longer-permalinks-post-name-longer', 'novye-obnovleniya-na-platforme-pampadu'), (28637, 1206, '_thumbnail_id', '1207'), (28638, 1206, '_edit_last', '13'), (28639, 1206, '_yoast_wpseo_primary_category', '21'), (28640, 1206, '_yoast_wpseo_focuskw', 'новые обновления на пампаду'), (28641, 1206, '_yoast_wpseo_title', '%%title%% %%page%% ? Блог Pampadu'), (28642, 1206, '_yoast_wpseo_metadesc', '? Привет, коллеги! За последние две недели на нашей платформе произошло множество изменений и улучшений. 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Блог Pampadu.ru'), (28734, 1254, '_yoast_wpseo_metadesc', 'Мы открыли продажи КАСКО от 22 страховых компаний для всех своих пользователей ?'), (28735, 1254, '_yoast_wpseo_linkdex', '49'), (28736, 1254, '_yoast_wpseo_content_score', '90'), (28737, 1254, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (28738, 1254, 'post_count_1254', '363'), (28739, 1254, 'post_count_all', '311'), (28740, 1257, 'inline_featured_image', '0'), (28741, 1257, 'longer-permalinks-post-name-longer', 'rezultaty-rozygrysha-150-000-rublej-v-chest-dnya-rozhdeniya-pampadu'), (28742, 1257, '_thumbnail_id', '1258'), (28743, 1257, '_edit_last', '13'), (28744, 1257, '_yoast_wpseo_primary_category', '21'), (28745, 1257, '_yoast_wpseo_focuskw', 'результаты розыгрыша пампаду'), (28746, 1257, '_yoast_wpseo_title', '%%title%% %%page%%'), (28747, 1257, '_yoast_wpseo_metadesc', '? Было определено 75 победителей с помощью рандомайзера. Деньги уже зачислены в личном кабинете и доступны к выводу'), (28748, 1257, '_yoast_wpseo_linkdex', '34'), (28749, 1257, '_yoast_wpseo_content_score', '90'), (28750, 1257, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (28751, 1257, 'post_count_1257', '348'), (28752, 1257, 'post_count_all', '303'), (28753, 1260, 'inline_featured_image', '0'), (28754, 1260, 'longer-permalinks-post-name-longer', 'ishhem-krupnyh-brokerov-dayom-eksklyuzivnye-usloviya-raboty'), (28755, 1260, '_thumbnail_id', '1261'), (28756, 1260, '_edit_last', '13'), (28757, 1260, '_yoast_wpseo_primary_category', '21'), (28758, 1260, '_yoast_wpseo_focuskw', 'ищем крупных брокеров'), (28759, 1260, '_yoast_wpseo_title', '%%title%% %%page%%'), (28760, 1260, '_yoast_wpseo_metadesc', 'В этом году мы подумали о том, чтобы запустить программу для страховых брокеров. Мы ищем крупных агентов'), (28761, 1260, '_yoast_wpseo_linkdex', '44'), (28762, 1260, '_yoast_wpseo_content_score', '90'), (28763, 1260, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (28764, 1260, 'post_count_1260', '384'), (28765, 1260, 'post_count_all', '337'), (28766, 1265, 'inline_featured_image', '0'), (28767, 1265, 'longer-permalinks-post-name-longer', 'dajdzhest-pampadu-za-fevral-2022'), (28768, 1265, '_thumbnail_id', '1266'), (28769, 1265, '_edit_last', '13'), (28770, 1265, '_yoast_wpseo_primary_category', '21'), (28771, 1265, '_yoast_wpseo_focuskw', 'новости пампаду'), (28772, 1265, '_yoast_wpseo_title', '%%title%% %%page%%'), (28773, 1265, '_yoast_wpseo_metadesc', 'Хотим рассказать вам, что мы сделали за месяц на платформе Пампаду.'), (28774, 1265, '_yoast_wpseo_linkdex', '54'), (28775, 1265, '_yoast_wpseo_content_score', '30'), (28776, 1265, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (28777, 1265, 'post_count_1265', '386'), (28778, 1265, 'post_count_all', '314'), (28779, 1270, 'inline_featured_image', '0'), (28780, 1270, 'longer-permalinks-post-name-longer', 'kak-narashhivat-prodazhi-v-usloviyah-zhestkoj-segmentatsii'), (28781, 1270, '_thumbnail_id', '1271'), (28782, 1270, '_edit_last', '13'), (28783, 1270, '_yoast_wpseo_primary_category', '21'), (28784, 1270, '_yoast_wpseo_focuskw', 'Как наращивать продажи страховому агенту'), (28785, 1270, '_yoast_wpseo_title', '%%title%%'), (28786, 1270, '_yoast_wpseo_metadesc', '? Сегментация по ОСАГО — серьезное испытание для агентов автострахования. Почему ее вводят и когда рынок нормализуется.'), (28787, 1270, '_yoast_wpseo_linkdex', '57'), (28788, 1270, '_yoast_wpseo_content_score', '30'), (28789, 1270, '_yoast_wpseo_estimated-reading-time-minutes', '6'), (28790, 1270, 'post_count_1270', '812'), (28791, 1270, 'post_count_all', '711'), (28792, 1276, 'inline_featured_image', '0'), (28793, 1276, 'longer-permalinks-post-name-longer', 'vyplaty-dlya-samozanyatyh-fizicheskih-lits-i-ip-ooo'), (28794, 1276, '_thumbnail_id', '1277'), (28795, 1276, '_edit_last', '13'), (28796, 1276, '_yoast_wpseo_primary_category', '21'), (28797, 1276, '_yoast_wpseo_focuskw', 'выплаты пампаду'), (28798, 1276, '_yoast_wpseo_title', '%%title%% %%page%% %%sep%% Блог Пампаду'), (28799, 1276, '_yoast_wpseo_metadesc', 'Коллеги, хотим обратить внимание, что все выплаты в Пампаду происходят в штатном режиме и напомнить вам, какие способы есть'), (28800, 1276, '_yoast_wpseo_linkdex', '69'), (28801, 1276, '_yoast_wpseo_content_score', '60'), (28802, 1276, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (28803, 1276, 'post_count_1276', '514'), (28804, 1276, 'post_count_all', '443'), (28805, 1279, 'inline_featured_image', '0'), (28806, 1279, 'longer-permalinks-post-name-longer', 'kak-nachat-strahovat-korporativnyh-klientov'), (28807, 1279, '_thumbnail_id', '1280'), (28808, 1279, '_edit_last', '13'), (28809, 1279, '_yoast_wpseo_primary_category', '21'), (28810, 1279, '_yoast_wpseo_focuskw', 'Как начать страховать корпоративных клиентов'), (28811, 1279, '_yoast_wpseo_title', '%%title%% %%page%%'), (28812, 1279, '_yoast_wpseo_metadesc', 'Коллеги, добрый день! ? Ранее мы рассказали, что из себя представляет рынок корпоративного страхования. Ответили на такие вопросы как.....'), (28813, 1279, '_yoast_wpseo_linkdex', '54'), (28814, 1279, '_yoast_wpseo_content_score', '90'), (28815, 1279, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (28816, 1279, 'post_count_1279', '392'), (28817, 1279, 'post_count_all', '338'), (28818, 1285, 'inline_featured_image', '0'), (28819, 1285, 'longer-permalinks-post-name-longer', 'avtostrahovanie-dlya-yuridicheskih-lits-nyuansy-vozmozhnosti-perspektivy'), (28820, 1285, '_thumbnail_id', '1286'), (28821, 1285, '_edit_last', '13'), (28822, 1285, '_yoast_wpseo_primary_category', '21'), (28823, 1285, '_yoast_wpseo_focuskw', 'Автострахование для юридических лиц'), (28824, 1285, '_yoast_wpseo_title', '%%title%%'), (28825, 1285, '_yoast_wpseo_metadesc', '? Что нужно знать страховому агенту при страховании юридических лиц по ОСАГО и КАСКО. На что обратить внимание.'), (28826, 1285, '_yoast_wpseo_linkdex', '62'), (28827, 1285, '_yoast_wpseo_content_score', '30'), (28828, 1285, '_yoast_wpseo_estimated-reading-time-minutes', '7'), (28829, 1285, 'post_count_1285', '1132'), (28830, 1285, 'post_count_all', '989'), (28831, 1291, 'inline_featured_image', '0'), (28832, 1291, 'longer-permalinks-post-name-longer', 'fishki-i-sekrety-kak-uvelichit-odobryaemost-klientov-v-osago'), (28833, 1291, '_thumbnail_id', '1292'), (28834, 1291, '_edit_last', '13'), (28835, 1291, '_yoast_wpseo_primary_category', '21'), (28836, 1291, '_yoast_wpseo_focuskw', 'как увеличить проходимость'), (28837, 1291, '_yoast_wpseo_title', '%%title%%'), (28838, 1291, '_yoast_wpseo_metadesc', 'Эти простые 11 пунктов помогут страховым агентам чаще получать одобрения от страховых компаний. Пользуйте и зарабатывайте больше с Пампаду!'), (28839, 1291, '_yoast_wpseo_linkdex', '59'), (28840, 1291, '_yoast_wpseo_content_score', '30'), (28841, 1291, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (28842, 1291, 'post_count_1291', '707'), (28843, 1291, 'post_count_all', '630'), (28844, 1295, 'inline_featured_image', '0'), (28845, 1295, 'longer-permalinks-post-name-longer', 'novosti-rynka-strahovaniya-na-18-03-22'), (28846, 1295, '_thumbnail_id', '1296'), (28847, 1295, '_edit_last', '13'), (28848, 1295, '_yoast_wpseo_primary_category', '21'), (28849, 1295, '_yoast_wpseo_focuskw', 'новости страхования'), (28850, 1295, '_yoast_wpseo_title', '%%title%% %%page%% - Блог Пампаду'), (28851, 1295, '_yoast_wpseo_metadesc', 'Главные новости рынка страхования на сегодняшний момент. Что нас ждёт в ближайшем будущем'), (28852, 1295, '_yoast_wpseo_linkdex', '58'), (28853, 1295, '_yoast_wpseo_content_score', '30'), (28854, 1295, '_yoast_wpseo_estimated-reading-time-minutes', '3'), (28855, 1295, 'post_count_1295', '341'), (28856, 1295, 'post_count_all', '290'), (28857, 1298, 'inline_featured_image', '0'), (28858, 1298, 'longer-permalinks-post-name-longer', 's-1-aprelya-vvodyatsya-novye-koeffitsienty-kbm-i-rasshiryayutsya-granitsy'), (28859, 1298, '_thumbnail_id', '1299'), (28860, 1298, '_edit_last', '13'), (28861, 1298, '_yoast_wpseo_primary_category', '21'), (28862, 1298, '_yoast_wpseo_focuskw', 'изменение кбм'), (28863, 1298, '_yoast_wpseo_title', '%%title%% %%page%%'), (28864, 1298, '_yoast_wpseo_metadesc', 'После 1 апреля 2022 года КБМ будут считать по-новому. Изменений будет довольно много. Если раньше он просто уменьшался на 5% (или увеличивался для виновников ДТП), то теперь все гораздо интереснее.'), (28865, 1298, '_yoast_wpseo_linkdex', '54'), (28866, 1298, '_yoast_wpseo_content_score', '30'), (28867, 1298, '_yoast_wpseo_estimated-reading-time-minutes', '5'), (28868, 1298, 'post_count_1298', '3963'), (28869, 1298, 'pld_dislike_count', '1'), (28870, 1298, 'post_count_all', '3743'), (28871, 1309, 'inline_featured_image', '0'), (28872, 1309, 'longer-permalinks-post-name-longer', 'uvelichili-odobrenie-i-obyom-prodazh-v-soglasie-v-2-raza'), (28873, 1309, '_thumbnail_id', '1311'), (28874, 1309, '_edit_last', '13'), (28875, 1309, '_yoast_wpseo_primary_category', '21'), (28876, 1309, '_yoast_wpseo_focuskw', 'ск согласие пампаду'), (28877, 1309, '_yoast_wpseo_title', '%%title%% %%page%%'), (28878, 1309, '_yoast_wpseo_metadesc', 'Совместными усилиями с коллегами из страховой компании Согласие добились увеличения шанса одобрения по ОСАГО в два раза'), (28879, 1309, '_yoast_wpseo_linkdex', '35'), (28880, 1309, '_yoast_wpseo_content_score', '60'), (28881, 1309, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (28882, 1309, 'post_count_1309', '427'), (28883, 1309, 'post_count_all', '363'), (28884, 1313, 'inline_featured_image', '0'), (28885, 1313, 'longer-permalinks-post-name-longer', 'rabota-s-vozrazheniyami-v-usloviyah-zhestkoj-segmentatsii-osago'), (28886, 1313, '_thumbnail_id', '1314'), (28887, 1313, '_edit_last', '13'), (28888, 1313, '_yoast_wpseo_primary_category', '21'), (28889, 1313, '_yoast_wpseo_focuskw', 'работа с возражениями осаго'), (28890, 1313, '_yoast_wpseo_title', '%%title%%'), (28891, 1313, '_yoast_wpseo_metadesc', '?Работа с возражениями клиентов по ОСАГО для страховых агентов. Какие вопросы они задают и как правильно на них отвечать ?'), (28892, 1313, '_yoast_wpseo_linkdex', '60'), (28893, 1313, '_yoast_wpseo_content_score', '60'), (28894, 1313, '_yoast_wpseo_estimated-reading-time-minutes', '4'), (28895, 1313, 'post_count_1313', '1021'), (28896, 1313, 'post_count_all', '903'), (28897, 1316, 'inline_featured_image', '0'), (28898, 1316, 'longer-permalinks-post-name-longer', 'chto-nas-zhdet-na-rynke-strahovaniya'), (28899, 1316, '_thumbnail_id', '1317'), (28900, 1316, '_edit_last', '17'), (28901, 1316, '_yoast_wpseo_primary_category', '21'), (28902, 1316, '_yoast_wpseo_focuskw', 'что нас ждёт на рынке страхования'), (28903, 1316, '_yoast_wpseo_title', '%%title%% %%page%% %%sep%% Пампаду блог ?'), (28904, 1316, '_yoast_wpseo_metadesc', '?? Cтраховым агентам приходится адаптироваться к жизни в новых условиях. Поделились мнением о том, что нас ждёт на рынке страхования ??'), (28905, 1316, '_yoast_wpseo_linkdex', '59'), (28906, 1316, '_yoast_wpseo_content_score', '60'), (28907, 1316, '_yoast_wpseo_estimated-reading-time-minutes', '5'), (28908, 1316, 'post_count_1316', '515'), (28909, 1316, 'ytrssenabled_meta_value', 'no'), (28910, 1316, 'ytremove_meta_value', 'no'), (28911, 1316, 'ytad1meta', 'enabled'), (28912, 1316, 'ytad2meta', 'enabled'), (28913, 1316, 'ytad3meta', 'enabled'), (28914, 1316, 'ytad4meta', 'enabled'), (28915, 1316, 'ytad5meta', 'enabled'), (28916, 1316, 'template_meta', 'no'), (28917, 1316, 'ytextendedhtmlmeta', 'default'), (28918, 1316, 'ytpostdatemeta', 'default'), (28919, 1316, 'post_count_all', '462'), (28920, 1325, 'inline_featured_image', '0'), (28921, 1325, 'longer-permalinks-post-name-longer', 'otvety-na-chastye-voprosy-po-kasko'), (28922, 1325, '_thumbnail_id', '1326'), (28923, 1325, '_edit_last', '13'), (28924, 1325, '_yoast_wpseo_primary_category', '21'), (28925, 1325, '_yoast_wpseo_focuskw', 'каско'), (28926, 1325, '_yoast_wpseo_title', '%%title%% %%page%% - Блог Пампаду'), (28927, 1325, '_yoast_wpseo_metadesc', 'Мы дополнили подборку ответов на ваши вопросы по КАСКО в разделе помощи. И здесь публикуем некоторые из них. '), (28928, 1325, '_yoast_wpseo_linkdex', '74'), (28929, 1325, '_yoast_wpseo_content_score', '60'), (28930, 1325, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (28931, 1325, 'post_count_1325', '549'), (28932, 1325, 'post_count_all', '489'), (28933, 1331, 'inline_featured_image', '0'), (28934, 1331, 'longer-permalinks-post-name-longer', 'novosti-strahovaniya-04-04-2022'), (28935, 1331, '_thumbnail_id', '1332'), (28936, 1331, '_edit_last', '13'), (28937, 1331, '_yoast_wpseo_primary_category', '21'), (28938, 1331, '_yoast_wpseo_focuskw', 'новости страхования'), (28939, 1331, '_yoast_wpseo_title', '%%title%% %%page%% ? Блог Пампаду'), (28940, 1331, '_yoast_wpseo_metadesc', 'Закон о перестраховочном пуле подписан. Изменения в законе «Об ОСАГО». Увеличение сроков на ремонт по ОСАГО. Право страховщика на регресс.'), (28941, 1331, '_yoast_wpseo_linkdex', '58'), (28942, 1331, '_yoast_wpseo_content_score', '60'), (28943, 1331, '_yoast_wpseo_estimated-reading-time-minutes', '4'), (28944, 1331, 'post_count_1331', '694'), (28945, 1331, 'pld_dislike_count', '3'), (28946, 1331, 'pld_like_count', '1'), (28947, 1331, 'post_count_all', '639'), (28948, 1336, 'inline_featured_image', '0'), (28949, 1336, 'longer-permalinks-post-name-longer', 'rekomenduj-pampadu-i-zarabotaj-10-000-rublej'), (28950, 1336, '_thumbnail_id', '1338'), (28951, 1336, '_edit_last', '13'), (28952, 1336, '_yoast_wpseo_primary_category', '21'), (28953, 1336, '_yoast_wpseo_focuskw', 'реферальная программа пампаду'), (28954, 1336, '_yoast_wpseo_title', '%%title%% %%page%% - Подробнее в блоге'), (28955, 1336, '_yoast_wpseo_metadesc', 'Акция! Приведи 5 агентов, которые оформили 3+ полисов и получи 10.000 рублей! Сроки акции: 09.04.22 - 09.07.22'), (28956, 1336, '_yoast_wpseo_linkdex', '54'), (28957, 1336, '_yoast_wpseo_content_score', '60'), (28958, 1336, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (28959, 1336, 'post_count_1336', '572'), (28960, 1336, 'post_count_all', '506'), (28961, 1353, 'inline_featured_image', '0'), (28962, 1353, 'longer-permalinks-post-name-longer', 'kak-my-pomogli-sekonomit-na-kasko-72-000-rub'), (28963, 1353, '_thumbnail_id', '1354'), (28964, 1353, '_edit_last', '13'), (28965, 1353, '_yoast_wpseo_primary_category', '21'), (28966, 1353, '_yoast_wpseo_focuskw', 'каско для агентов'), (28967, 1353, '_yoast_wpseo_title', '%%title%% %%page%%'), (28968, 1353, '_yoast_wpseo_metadesc', 'Рассказываем, как мы сэкономили 72 000 рублей на КАСКО для клиента нашего страхового агента, который оформил полис через Пампаду'), (28969, 1353, '_yoast_wpseo_linkdex', '53'), (28970, 1353, '_yoast_wpseo_content_score', '30'), (28971, 1353, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (28972, 1353, 'post_count_1353', '439'), (28973, 1353, 'post_count_all', '391'), (28974, 1357, 'inline_featured_image', '0'), (28975, 1357, 'longer-permalinks-post-name-longer', 'besplatnyj-vebinar-kasko-2022-kak-oformit-deshevle-i-zarabotat-bolshe'), (28976, 1357, '_thumbnail_id', '1358'), (28977, 1357, '_edit_last', '13'), (28978, 1357, '_yoast_wpseo_primary_category', '21'), (28979, 1357, '_yoast_wpseo_focuskw', 'вебинар каско'), (28980, 1357, '_yoast_wpseo_title', '%%title%% %%page%%'), (28981, 1357, '_yoast_wpseo_metadesc', 'Вебинар по КАСКО от Пампаду пройдёт 25 апреля. Мы пригласили эксперта, который расскажет как оформлять КАСКО дешевле и заработать больше.'), (28982, 1357, '_yoast_wpseo_linkdex', '53'), (28983, 1357, '_yoast_wpseo_content_score', '90'), (28984, 1357, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (28985, 1357, 'post_count_1357', '503'), (28986, 1357, 'post_count_all', '428'), (28987, 1362, 'inline_featured_image', '0'), (28988, 1362, 'longer-permalinks-post-name-longer', 'zarabatyvajte-bolshe-s-bankovskimi-produktami-na-pampadu'), (28989, 1362, '_thumbnail_id', '1363'), (28990, 1362, '_edit_last', '13'), (28991, 1362, '_yoast_wpseo_primary_category', '21'), (28992, 1362, '_yoast_wpseo_title', '%%title%% %%page%% %%sep%%'), (28993, 1362, '_yoast_wpseo_metadesc', 'Открываем новое направление на нашей платформе! +1 к возможности заработка для агентов. Зарабатывайте больше с Пампаду!'), (28994, 1362, '_yoast_wpseo_content_score', '90'), (28995, 1362, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (28996, 1362, 'post_count_1362', '344'), (28997, 1362, 'post_count_all', '290'), (28998, 1367, 'inline_featured_image', '0'), (28999, 1367, 'longer-permalinks-post-name-longer', 'strahovanie-stroitelno-montazhnyh-riskov'), (29000, 1367, '_thumbnail_id', '1368'), (29001, 1367, '_edit_last', '13'), (29002, 1367, '_yoast_wpseo_primary_category', '21'), (29003, 1367, '_yoast_wpseo_focuskw', 'Страхование строительно-монтажных рисков'), (29004, 1367, '_yoast_wpseo_title', '%%title%% %%page%%'), (29005, 1367, '_yoast_wpseo_metadesc', 'Страхование строительно-монтажных рисков. Как продать свою компетентность, найти клиентов и увеличить доход агенту страхования.'), (29006, 1367, '_yoast_wpseo_linkdex', '64'), (29007, 1367, '_yoast_wpseo_content_score', '30'), (29008, 1367, '_yoast_wpseo_estimated-reading-time-minutes', '8'), (29009, 1367, 'post_count_1367', '775'), (29010, 1367, 'post_count_all', '685'), (29011, 1373, 'inline_featured_image', '0'), (29012, 1373, 'longer-permalinks-post-name-longer', 'perestrahovochnyj-pul-po-osago-2022-kak-rabotat-agentu'), (29013, 1373, '_thumbnail_id', '1374'), (29014, 1373, '_edit_last', '13'), (29015, 1373, '_yoast_wpseo_primary_category', '21'), (29016, 1373, '_yoast_wpseo_focuskw', 'перестраховочный пул'), (29017, 1373, '_yoast_wpseo_title', '%%title%% %%page%%'), (29018, 1373, '_yoast_wpseo_metadesc', 'Перестраховочный пул начал работать. Система “Е-Гарант” прекращает действовать в России. Разбираемся, что делать страховым агентам'), (29019, 1373, '_yoast_wpseo_linkdex', '67'), (29020, 1373, '_yoast_wpseo_content_score', '30'), (29021, 1373, '_yoast_wpseo_estimated-reading-time-minutes', '5'), (29022, 1373, 'post_count_1373', '5835'), (29023, 1373, 'pld_like_count', '8'), (29024, 1373, 'pld_dislike_count', '4'), (29025, 1373, 'post_count_all', '4996'), (29026, 1388, 'inline_featured_image', '0'), (29027, 1388, 'longer-permalinks-post-name-longer', 'kak-otbivat-rashody-na-mashinu-s-debetovoj-kartoj-tinkoff-drive'), (29028, 1388, '_thumbnail_id', '1392'), (29029, 1388, '_edit_last', '13'), (29030, 1388, '_yoast_wpseo_primary_category', '21'), (29031, 1388, '_yoast_wpseo_focuskw', 'карты для автомобилистов'), (29032, 1388, '_yoast_wpseo_title', '%%title%%'), (29033, 1388, '_yoast_wpseo_metadesc', 'Вы страховой агент? Оформляйте своим клиентам дебетовые карты Tinkoff Drive, помогайте им экономить, а сами зарабатывайте больше!'), (29034, 1388, '_yoast_wpseo_linkdex', '57'), (29035, 1388, '_yoast_wpseo_content_score', '60'), (29036, 1388, '_yoast_wpseo_estimated-reading-time-minutes', '4'), (29037, 1388, 'post_count_1388', '485'), (29038, 1388, 'post_count_all', '430'), (29039, 1396, 'inline_featured_image', '0'), (29040, 1396, 'longer-permalinks-post-name-longer', 'kejs-po-strahovaniyu-stroitelno-montazhnyh-riskov'), (29041, 1396, '_thumbnail_id', '1397'), (29042, 1396, '_edit_last', '13'), (29043, 1396, '_yoast_wpseo_primary_category', '21'), (29044, 1396, '_yoast_wpseo_focuskw', 'Кейс по страхованию строительно-монтажных рисков'), (29045, 1396, '_yoast_wpseo_title', '%%title%% %%page%%'), (29046, 1396, '_yoast_wpseo_metadesc', 'Мы продолжаем делиться с вами кейсами агентов по корпоративному страхованию, которые оформили полис через Пампаду и хорошо заработали.'), (29047, 1396, '_yoast_wpseo_linkdex', '58'), (29048, 1396, '_yoast_wpseo_content_score', '30'), (29049, 1396, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (29050, 1396, 'post_count_1396', '400'), (29051, 1396, 'post_count_all', '355'), (29052, 1400, 'inline_featured_image', '0'), (29053, 1400, 'longer-permalinks-post-name-longer', 'megaaktsiya-ot-pampadu-bonusy-za-rost-prodazh'), (29054, 1400, '_thumbnail_id', '1401'), (29055, 1400, '_edit_last', '13'), (29056, 1400, '_yoast_wpseo_primary_category', '21'), (29057, 1400, '_yoast_wpseo_focuskw', 'мегаакция пампаду'), (29058, 1400, '_yoast_wpseo_title', '%%title%% %%page%%'), (29059, 1400, '_yoast_wpseo_metadesc', 'С сегодняшнего дня мы запускаем МЕГАакцию — начисляем от 500 до 9 000 рублей за рост продаж. Не упустите возможность заработать больше!'), (29060, 1400, '_yoast_wpseo_linkdex', '62'), (29061, 1400, '_yoast_wpseo_content_score', '60'), (29062, 1400, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (29063, 1400, 'post_count_1400', '666'), (29064, 1400, 'post_count_all', '603'), (29065, 1420, 'inline_featured_image', '0'), (29066, 1420, 'longer-permalinks-post-name-longer', 'kak-agentam-uspeshno-prodavat-kasko'), (29067, 1420, '_thumbnail_id', '1421'), (29068, 1420, '_edit_last', '13'), (29069, 1420, '_yoast_wpseo_primary_category', '21'), (29070, 1420, '_yoast_wpseo_focuskw', 'Как успешно продавать КАСКО'), (29071, 1420, '_yoast_wpseo_title', '%%title%% %%page%%'), (29072, 1420, '_yoast_wpseo_metadesc', 'Общаясь с агентами, которые активно оформляют КАСКО через Пампаду, мы выделили 3 главных правила успешных продаж.'), (29073, 1420, '_yoast_wpseo_linkdex', '56'), (29074, 1420, '_yoast_wpseo_content_score', '30'), (29075, 1420, '_yoast_wpseo_estimated-reading-time-minutes', '10'), (29076, 1420, 'post_count_1420', '1590'), (29077, 1420, 'pld_like_count', '3'), (29078, 1420, 'post_count_all', '1445'), (29079, 1424, 'inline_featured_image', '0'), (29080, 1424, 'longer-permalinks-post-name-longer', 'dajdzhest-novostej-rynka-strahovaniya-nachalo-iyunya'), (29081, 1424, '_thumbnail_id', '1425'), (29082, 1424, '_edit_last', '13'), (29083, 1424, '_yoast_wpseo_primary_category', '21'), (29084, 1424, '_yoast_wpseo_focuskw', 'Дайджест новостей рынка страхования. Начало Июня'), (29085, 1424, '_yoast_wpseo_title', 'Дайджест новостей рынка страхования для агентов. Начало Июня'), (29086, 1424, '_yoast_wpseo_metadesc', 'Полезные новости для страховых агентов. Перестраховочный пул – первый месяц работы. Хакерские атаки на сайты страховщиков.'), (29087, 1424, '_yoast_wpseo_linkdex', '56'), (29088, 1424, '_yoast_wpseo_content_score', '30'), (29089, 1424, '_yoast_wpseo_estimated-reading-time-minutes', '3'), (29090, 1424, 'post_count_1424', '542'), (29091, 1424, 'post_count_all', '477'), (29092, 1437, 'inline_featured_image', '0'), (29093, 1437, 'longer-permalinks-post-name-longer', 'novaya-sistema-voznagrazhdenij-osago-ot-sk-alfa'), (29094, 1437, '_thumbnail_id', '1438'), (29095, 1437, '_edit_last', '1'), (29096, 1437, '_yoast_wpseo_primary_category', '21'), (29097, 1437, '_yoast_wpseo_focuskw', 'новая система вознаграждений'), (29098, 1437, '_yoast_wpseo_title', '%%title%% %%page%%. Для агентов'), (29099, 1437, '_yoast_wpseo_metadesc', 'На Пампаду подключены «ReBuy» и «Пульсар» — новые программы страхования ОСАГО от СК Альфа. И теперь проходимость ОСАГО и КВ ощутимо возросли.'), (29100, 1437, '_yoast_wpseo_linkdex', '58'), (29101, 1437, '_yoast_wpseo_content_score', '60'), (29102, 1437, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (29103, 1437, 'post_count_1437', '1294'), (29104, 1437, 'pld_like_count', '1'), (29105, 1437, 'post_count_all', '1180'), (29106, 1446, 'inline_featured_image', '0'), (29107, 1446, 'longer-permalinks-post-name-longer', 'vygodnoe-kasko-na-otpusknoj-sezon'), (29108, 1446, '_thumbnail_id', '1449'), (29109, 1446, '_edit_last', '13'), (29110, 1446, '_yoast_wpseo_content_score', '90'), (29111, 1446, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (29112, 1446, '_yoast_wpseo_primary_category', '21'), (29113, 1446, '_yoast_wpseo_focuskw', 'выгодное КАСКО в отпуск'), (29114, 1446, '_yoast_wpseo_linkdex', '40'), (29115, 1446, 'post_count_1446', '637'), (29116, 1446, '_yoast_wpseo_title', '%%title%% %%page%%'), (29117, 1446, 'post_count_all', '570'), (29118, 1452, 'inline_featured_image', '0'), (29119, 1452, 'longer-permalinks-post-name-longer', 'chto-my-uluchshili-na-pampadu-za-poslednie-2-nedeli'), (29120, 1452, '_thumbnail_id', '1454'), (29121, 1452, '_edit_last', '13'), (29122, 1452, '_yoast_wpseo_primary_category', '21'), (29123, 1452, '_yoast_wpseo_content_score', '30'), (29124, 1452, '_yoast_wpseo_estimated-reading-time-minutes', '3'), (29125, 1452, '_yoast_wpseo_focuskw', 'пампаду'), (29126, 1452, '_yoast_wpseo_metadesc', 'Новые продукты, акции и достижения наших агентов!'), (29127, 1452, '_yoast_wpseo_linkdex', '67'), (29128, 1452, 'post_count_1452', '423'), (29129, 1452, '_yoast_wpseo_title', '%%title%% %%page%%'), (29130, 1452, 'post_count_all', '383'), (29131, 1461, 'inline_featured_image', '0'), (29132, 1461, 'longer-permalinks-post-name-longer', 'aktsiya-zharkoe-leto-s-pampadu'), (29133, 1461, '_thumbnail_id', '1462'), (29134, 1461, '_edit_last', '17'), (29135, 1461, '_yoast_wpseo_primary_category', '21'), (29136, 1461, '_yoast_wpseo_focuskw', 'жаркое лето с пампаду'), (29137, 1461, '_yoast_wpseo_title', '%%title%% %%page%% Бонусы до 20 тыс. рублей'), (29138, 1461, '_yoast_wpseo_metadesc', 'Масштабная акция для страховых агентов от агрегатора Пампаду. Участвуй и не упусти шанс заработать больше! Ипотека, ОСАГО, фин. офферы.'), (29139, 1461, '_yoast_wpseo_linkdex', '58'), (29140, 1461, '_yoast_wpseo_content_score', '60'), (29141, 1461, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (29142, 1461, 'post_count_1461', '650'), (29143, 1461, 'ytrssenabled_meta_value', 'no'), (29144, 1461, 'ytremove_meta_value', 'no'), (29145, 1461, 'ytad1meta', 'enabled'), (29146, 1461, 'ytad2meta', 'enabled'), (29147, 1461, 'ytad3meta', 'enabled'), (29148, 1461, 'ytad4meta', 'enabled'), (29149, 1461, 'ytad5meta', 'enabled'), (29150, 1461, 'template_meta', 'no'), (29151, 1461, 'ytextendedhtmlmeta', 'default'), (29152, 1461, 'ytpostdatemeta', 'default'), (29153, 1461, 'post_count_all', '564'), (29154, 1469, 'inline_featured_image', '0'), (29155, 1469, 'longer-permalinks-post-name-longer', 'novosti-strahovaniya-nachalo-iyulya-2022'), (29156, 1469, '_thumbnail_id', '1470'), (29157, 1469, '_edit_last', '13'), (29158, 1469, '_yoast_wpseo_primary_category', '21'), (29159, 1469, '_yoast_wpseo_focuskw', 'новости страхования'), (29160, 1469, '_yoast_wpseo_title', 'Новости страхования для агентов на начало июля 2022'), (29161, 1469, '_yoast_wpseo_metadesc', 'За ущерб по ОСАГО будет платить больше, новые справочники РСА вступили в силу. Тарифный коридор ОСАГО расширят. Инфо для страховых агентов'), (29162, 1469, '_yoast_wpseo_linkdex', '62'), (29163, 1469, '_yoast_wpseo_content_score', '30'), (29164, 1469, '_yoast_wpseo_estimated-reading-time-minutes', '5'), (29165, 1469, 'post_count_1469', '499'), (29166, 1469, 'post_count_all', '447'), (29167, 1477, 'inline_featured_image', '0'), (29168, 1477, 'longer-permalinks-post-name-longer', 'mini-kasko-chto-eto-i-dlya-kogo'), (29169, 1477, '_edit_last', '17'), (29170, 1477, '_yoast_wpseo_content_score', '60'), (29171, 1477, '_yoast_wpseo_estimated-reading-time-minutes', '4'), (29172, 1477, '_yoast_wpseo_primary_category', '21'), (29173, 1477, '_thumbnail_id', '1497'), (29174, 1477, '_yoast_wpseo_focuskw', 'мини-каско'), (29175, 1477, '_yoast_wpseo_title', '%%title%% %%page%%'), (29176, 1477, '_yoast_wpseo_metadesc', 'Мини-КАСКО — бюджетная альтернатива полноценному КАСКО, которая в последнее время приобретает все большую популярность на рынке добровольного автострахования. В чем его особенности и кому подойдет, расскажем в этой статье.'), (29177, 1477, '_yoast_wpseo_linkdex', '65'), (29178, 1477, 'post_count_1477', '7662'), (29179, 1477, 'pld_like_count', '2'), (29180, 1477, 'pld_dislike_count', '4'), (29181, 1477, 'ytrssenabled_meta_value', 'no'), (29182, 1477, 'ytremove_meta_value', 'no'), (29183, 1477, 'ytad1meta', 'enabled'), (29184, 1477, 'ytad2meta', 'enabled'), (29185, 1477, 'ytad3meta', 'enabled'), (29186, 1477, 'ytad4meta', 'enabled'), (29187, 1477, 'ytad5meta', 'enabled'), (29188, 1477, 'template_meta', 'no'), (29189, 1477, 'ytextendedhtmlmeta', 'default'), (29190, 1477, 'ytpostdatemeta', 'default'), (29191, 1477, 'post_count_all', '7009'), (29192, 1510, 'inline_featured_image', '0'), (29193, 1510, 'longer-permalinks-post-name-longer', 'alfastrahovanie-lichnyj-kabinet-strahovogo-agenta'), (29194, 1510, '_thumbnail_id', '1511'), (29195, 1510, '_edit_last', '13'), (29196, 1510, '_yoast_wpseo_primary_category', '21'), (29197, 1510, '_yoast_wpseo_focuskw', 'Альфастрахование личный кабинет'), (29198, 1510, '_yoast_wpseo_title', '%%title%% %%page%%'), (29199, 1510, '_yoast_wpseo_metadesc', 'Данная статья создана для тех, кто думает, или уже принял решение стать страховым партнером одной из крупнейших, современных и быстроразвивающихся страховых компаний в нашей стране сегодня'), (29200, 1510, '_yoast_wpseo_linkdex', '62'), (29201, 1510, '_yoast_wpseo_content_score', '90'), (29202, 1510, '_yoast_wpseo_estimated-reading-time-minutes', '8'), (29203, 1510, 'post_count_1510', '3188'), (29204, 1510, 'pld_like_count', '2'), (29205, 1510, 'pld_dislike_count', '3'), (29206, 1510, 'post_count_all', '2752'), (29207, 1518, 'inline_featured_image', '0'), (29208, 1518, 'longer-permalinks-post-name-longer', 'kak-iskat-klientov-strahovomu-agentu'), (29209, 1518, '_thumbnail_id', '1519'), (29210, 1518, '_edit_last', '13'), (29211, 1518, '_yoast_wpseo_primary_category', '21'), (29212, 1518, '_yoast_wpseo_focuskw', 'как искать клиентов страховому агенту'), (29213, 1518, '_yoast_wpseo_title', 'Где искать клиентов страховому агенту. Наиболее эффективные способы и методы привлечения клиентов'), (29214, 1518, '_yoast_wpseo_metadesc', 'Способы поиска клиентов для страхового агента. Живое общение, интернет и холодные звонки. Где найти первых клиентов начинающему агенту. Как найти клиентов на ОСАГО'), (29215, 1518, '_yoast_wpseo_linkdex', '58'), (29216, 1518, '_yoast_wpseo_content_score', '30'), (29217, 1518, '_yoast_wpseo_estimated-reading-time-minutes', '11'), (29218, 1518, 'post_count_1518', '2246'), (29219, 1518, 'pld_like_count', '2'), (29220, 1518, 'post_count_all', '1942'), (29221, 1526, 'inline_featured_image', '0'), (29222, 1526, 'longer-permalinks-post-name-longer', 'kak-stat-strahovym-brokerom'), (29223, 1526, '_thumbnail_id', '1527'), (29224, 1526, '_edit_last', '13'), (29225, 1526, '_yoast_wpseo_primary_category', '21'), (29226, 1526, '_yoast_wpseo_focuskw', 'как стать страховым брокером'), (29227, 1526, '_yoast_wpseo_title', 'Как стать страховым брокером, работа агентом в сфере страхования'), (29228, 1526, '_yoast_wpseo_metadesc', 'Как стать агентом страховой компании без финансовых вложений? Рассказываем, как стать представителем крупнейших страховых компаний'), (29229, 1526, '_yoast_wpseo_linkdex', '64'), (29230, 1526, '_yoast_wpseo_content_score', '30'), (29231, 1526, '_yoast_wpseo_estimated-reading-time-minutes', '8'), (29232, 1526, 'post_count_1526', '1933'), (29233, 1526, 'post_count_all', '1751'), (29234, 1530, 'inline_featured_image', '0'), (29235, 1530, 'longer-permalinks-post-name-longer', 'kak-uspeshno-prodavat-strahovku'), (29236, 1530, '_thumbnail_id', '1531'), (29237, 1530, '_edit_last', '13'), (29238, 1530, '_yoast_wpseo_primary_category', '21'), (29239, 1530, '_yoast_wpseo_focuskw', 'как продавать страховку'), (29240, 1530, '_yoast_wpseo_title', 'Как продать страховку: основные правила продажи, работа с возражениями'), (29241, 1530, '_yoast_wpseo_metadesc', 'Что нужно, чтобы стать успешным продавцом на рынке страхования? Разбираемся в нюансах продажи страховых продуктов'), (29242, 1530, '_yoast_wpseo_linkdex', '54'), (29243, 1530, '_yoast_wpseo_content_score', '30'), (29244, 1530, '_yoast_wpseo_estimated-reading-time-minutes', '8'), (29245, 1530, 'post_count_1530', '9067'), (29246, 1530, 'pld_like_count', '13'), (29247, 1530, 'pld_dislike_count', '15'), (29248, 1530, 'post_count_all', '7700'), (29249, 1535, 'inline_featured_image', '0'), (29250, 1535, 'longer-permalinks-post-name-longer', 'vsk-lichnyj-kabinet-agenta'), (29251, 1535, '_thumbnail_id', '1536'), (29252, 1535, '_edit_last', '13'), (29253, 1535, '_yoast_wpseo_primary_category', '21'), (29254, 1535, '_yoast_wpseo_focuskw', 'вск личный кабинет страхового агента'), (29255, 1535, '_yoast_wpseo_title', 'Личный кабинет страхового агента ВСК: вход, регистрация, возможности'), (29256, 1535, '_yoast_wpseo_metadesc', 'Разбираемся в особенностях работы личного кабинета ВСК. Регистрация и авторизация в системе, функционал и возможности. Расчет страховки и оформление полиса'), (29257, 1535, '_yoast_wpseo_linkdex', '58'), (29258, 1535, '_yoast_wpseo_content_score', '30'), (29259, 1535, '_yoast_wpseo_estimated-reading-time-minutes', '10'), (29260, 1535, 'post_count_1535', '6499'), (29261, 1535, 'pld_dislike_count', '2'), (29262, 1535, 'pld_like_count', '2'), (29263, 1535, 'post_count_all', '6071'), (29264, 1539, 'inline_featured_image', '0'), (29265, 1539, 'longer-permalinks-post-name-longer', 'reso-garantiya-lichnyj-kabinet-agenta'), (29266, 1539, '_thumbnail_id', '1540'), (29267, 1539, '_edit_last', '13'), (29268, 1539, '_yoast_wpseo_primary_category', '21'), (29269, 1539, '_yoast_wpseo_focuskw', 'РЕСО гарантия личный кабинет агента'), (29270, 1539, '_yoast_wpseo_title', 'Личный кабинет агента РЕСО-гарантия. Мобильная и компьютерная версия. Возможности личного кабинета и нюансы работы.'), (29271, 1539, '_yoast_wpseo_metadesc', 'Структура личного кабинета агента РЕСО-гарантия. Вход в систему. Функционал личного кабинета. Приложение “Агент рядом”. Оформление ОСАГО. Ввод данных и расчет стоимости полиса. Смена пароля'), (29272, 1539, '_yoast_wpseo_linkdex', '54'), (29273, 1539, '_yoast_wpseo_content_score', '30'), (29274, 1539, '_yoast_wpseo_estimated-reading-time-minutes', '13'), (29275, 1539, 'post_count_1539', '10116'), (29276, 1539, 'pld_dislike_count', '9'), (29277, 1539, 'pld_like_count', '5'), (29278, 1539, 'post_count_all', '9112'), (29279, 1542, 'inline_featured_image', '0'), (29280, 1542, 'longer-permalinks-post-name-longer', 'kak-zarabatyvat-na-finansovyh-produktah-s-pomoshhyu-platformy-pampadu'), (29281, 1542, '_thumbnail_id', '1543'), (29282, 1542, '_edit_last', '13'), (29283, 1542, '_yoast_wpseo_primary_category', '21'), (29284, 1542, '_yoast_wpseo_focuskw', 'Как зарабатывать на финансовых продуктах на Пампаду'), (29285, 1542, '_yoast_wpseo_title', 'Как зарабатывать на финансовых продуктах с помощью платформы «Пампаду»?'), (29286, 1542, '_yoast_wpseo_metadesc', 'Объяснили, какие финансовые продукты представлены на платформе, кто может начать зарабатывать и с чего начать. Ниже вы найдете подробную инструкцию о заработке на финансовых продуктах с помощью «Пампаду».'), (29287, 1542, '_yoast_wpseo_linkdex', '51'), (29288, 1542, '_yoast_wpseo_content_score', '90'), (29289, 1542, '_yoast_wpseo_estimated-reading-time-minutes', '7'), (29290, 1542, 'post_count_1542', '5741'), (29291, 1542, 'pld_like_count', '12'), (29292, 1542, 'pld_dislike_count', '10'), (29293, 1542, 'post_count_all', '4907'), (29294, 1545, 'inline_featured_image', '0'), (29295, 1545, 'longer-permalinks-post-name-longer', 'kak-stat-agentom-osago'), (29296, 1545, '_thumbnail_id', '1546'), (29297, 1545, '_edit_last', '13'), (29298, 1545, '_yoast_wpseo_primary_category', '21'), (29299, 1545, '_yoast_wpseo_focuskw', 'как стать агентом осаго'), (29300, 1545, '_yoast_wpseo_title', 'Как стать страховым агентом ОСАГО онлайн, работа в автостраховании на дому'), (29301, 1545, '_yoast_wpseo_metadesc', 'Рассказываем, как стать агентом автострахования е-ОСАГО за 5 минут и работать на себя. Особенности профессии и обязанности, поиск клиентов. Как и где пройти обучение.'), (29302, 1545, '_yoast_wpseo_linkdex', '62'), (29303, 1545, '_yoast_wpseo_content_score', '30'), (29304, 1545, '_yoast_wpseo_estimated-reading-time-minutes', '9'), (29305, 1545, 'post_count_1545', '3418'), (29306, 1545, 'post_count_all', '2742'), (29307, 1548, 'inline_featured_image', '0'), (29308, 1548, 'longer-permalinks-post-name-longer', 'renessans-strahovanie-lichnyj-kabinet-agenta'), (29309, 1548, '_edit_last', '13'), (29310, 1548, '_yoast_wpseo_primary_category', '21'), (29311, 1548, '_yoast_wpseo_focuskw', 'ренессанс личный кабинет агента'), (29312, 1548, '_yoast_wpseo_title', 'Ренессанс страхование - личный кабинет страхового агента, регистрация, вход'), (29313, 1548, '_yoast_wpseo_metadesc', 'Работа в личном кабинете \"Ренессанс страхование\" для агентов. Рассказываем, как зарегистрироваться и войти в лк, а также о его его функционале'), (29314, 1548, '_yoast_wpseo_linkdex', '60'), (29315, 1548, '_yoast_wpseo_content_score', '30'), (29316, 1548, '_yoast_wpseo_estimated-reading-time-minutes', '10'), (29317, 1548, '_thumbnail_id', '1553'), (29318, 1548, 'post_count_1548', '1547'), (29319, 1548, 'pld_like_count', '2'), (29320, 1548, 'pld_dislike_count', '1'), (29321, 1548, 'post_count_all', '1381'), (29322, 1550, 'inline_featured_image', '0'), (29323, 1550, 'longer-permalinks-post-name-longer', 'lichnyj-kabinet-strahovogo-agenta-spao-ingosstrah'), (29324, 1550, '_thumbnail_id', '1551'), (29325, 1550, '_edit_last', '13'), (29326, 1550, '_yoast_wpseo_primary_category', '21'), (29327, 1550, '_yoast_wpseo_focuskw', 'ингосстрах личный кабинет страхового агента'), (29328, 1550, '_yoast_wpseo_title', 'Ингосстрах - личный кабинет страхового агента, регистрация, вход, возможности'), (29329, 1550, '_yoast_wpseo_metadesc', 'Рассказываем об особенностях работы личного кабинета Ингосстрах. Правила регистрации и авторизации для страховых агентов. Функционал личного кабинета'), (29330, 1550, '_yoast_wpseo_linkdex', '54'), (29331, 1550, '_yoast_wpseo_content_score', '30'), (29332, 1550, '_yoast_wpseo_estimated-reading-time-minutes', '8'), (29333, 1550, 'post_count_1550', '4837'), (29334, 1550, 'pld_dislike_count', '15'), (29335, 1550, 'pld_like_count', '14'), (29336, 1550, 'post_count_all', '4041'), (29337, 1554, 'inline_featured_image', '0'), (29338, 1554, 'longer-permalinks-post-name-longer', 'kak-rabotat-v-lichnom-kabinete-e-garant'), (29339, 1554, '_thumbnail_id', '1557'), (29340, 1554, '_edit_last', '17'), (29341, 1554, '_yoast_wpseo_primary_category', '21'), (29342, 1554, '_yoast_wpseo_focuskw', 'Как оформить полис в Е-Гарант'), (29343, 1554, '_yoast_wpseo_title', 'Как оформить полис Е-ОСАГО в система Е-Гарант'), (29344, 1554, '_yoast_wpseo_metadesc', 'Рассказываем что такое Е-Гарант, объясняем алгоритм оформления не сегментной заявки в 2022 году.'), (29345, 1554, '_yoast_wpseo_linkdex', '54'), (29346, 1554, '_yoast_wpseo_content_score', '60'), (29347, 1554, '_yoast_wpseo_estimated-reading-time-minutes', '6'), (29348, 1554, 'post_count_1554', '1895'), (29349, 1554, 'pld_like_count', '2'), (29350, 1554, 'ytrssenabled_meta_value', 'no'), (29351, 1554, 'ytremove_meta_value', 'no'), (29352, 1554, 'ytad1meta', 'enabled'), (29353, 1554, 'ytad2meta', 'enabled'), (29354, 1554, 'ytad3meta', 'enabled'), (29355, 1554, 'ytad4meta', 'enabled'), (29356, 1554, 'ytad5meta', 'enabled'), (29357, 1554, 'template_meta', 'no'), (29358, 1554, 'ytextendedhtmlmeta', 'default'), (29359, 1554, 'ytpostdatemeta', 'default'), (29360, 1554, 'post_count_all', '1662'), (29361, 1560, 'inline_featured_image', '0'), (29362, 1560, 'longer-permalinks-post-name-longer', 'kak-voditelyu-vosstanovit-kbm'), (29363, 1560, '_thumbnail_id', '1561'), (29364, 1560, '_edit_last', '13'), (29365, 1560, '_yoast_wpseo_primary_category', '21'), (29366, 1560, '_yoast_wpseo_focuskw', 'Как восстановить кбм'), (29367, 1560, '_yoast_wpseo_title', 'Как восстановить КБМ (коэффициент бонус-малус) в 2022 году'), (29368, 1560, '_yoast_wpseo_metadesc', 'Рассказываем, как восстановить КБМ по ОСАГО после замены прав или после аварии. Что делать, если КБМ пропал или в нем ошибка. Как сделать перерасчет КБМ.'), (29369, 1560, '_yoast_wpseo_linkdex', '69'), (29370, 1560, '_yoast_wpseo_content_score', '30'), (29371, 1560, '_yoast_wpseo_estimated-reading-time-minutes', '5'), (29372, 1560, 'post_count_1560', '1453'), (29373, 1560, 'post_count_all', '1169'), (29374, 1618, 'inline_featured_image', '0'), (29375, 1618, 'longer-permalinks-post-name-longer', 'rosgosstrah-lichnyj-kabinet-agenta'), (29376, 1618, '_thumbnail_id', '1619'), (29377, 1618, '_edit_last', '13'), (29378, 1618, '_yoast_wpseo_primary_category', '21'), (29379, 1618, '_yoast_wpseo_focuskw', 'росгосстрах личный кабинет агента'), (29380, 1618, '_yoast_wpseo_title', 'Регистрация и вход в личный кабинет агента. Мобильные версии приложения, их варианты и возможности.'), (29381, 1618, '_yoast_wpseo_metadesc', 'Как начать оформлять полисы в ПАО “Росгосстрах”. Личный кабинет агента, приложения для клиентов: страхование, мобильный банк и т.д. Функциональные возможности сервиса.'), (29382, 1618, '_yoast_wpseo_linkdex', '52'), (29383, 1618, '_yoast_wpseo_content_score', '30'), (29384, 1618, '_yoast_wpseo_estimated-reading-time-minutes', '8'), (29385, 1618, 'post_count_1618', '8085'), (29386, 1618, 'pld_dislike_count', '7'), (29387, 1618, 'pld_like_count', '4'), (29388, 1618, 'post_count_all', '6834'), (29389, 1641, 'inline_featured_image', '0'), (29390, 1641, 'longer-permalinks-post-name-longer', 'sogaz-lichnyj-kabinet-agenta'), (29391, 1641, '_thumbnail_id', '1642'), (29392, 1641, '_edit_last', '13'), (29393, 1641, '_yoast_wpseo_primary_category', '21'), (29394, 1641, '_yoast_wpseo_focuskw', 'согаз личный кабинет агента'), (29395, 1641, '_yoast_wpseo_title', 'СК СОГАЗ - Личный кабинет страхового агента: регистрация, вход'), (29396, 1641, '_yoast_wpseo_metadesc', 'Личный кабинет страхового агента СОГАЗ. Регистрация, вход, основные функции и возможности ЛК. Преимущества работы через кабинет сервиса Пампаду.'), (29397, 1641, '_yoast_wpseo_linkdex', '65'), (29398, 1641, '_yoast_wpseo_content_score', '30'), (29399, 1641, '_yoast_wpseo_estimated-reading-time-minutes', '8'), (29400, 1641, 'post_count_1641', '3529'), (29401, 1641, 'pld_like_count', '1'), (29402, 1641, 'post_count_all', '3260'), (29403, 1656, 'inline_featured_image', '0'), (29404, 1656, 'longer-permalinks-post-name-longer', 'vstrechajte-novuyu-sk-na-platforme-spasskie-vorota'), (29405, 1656, '_thumbnail_id', '1657'), (29406, 1656, '_edit_last', '13'), (29407, 1656, '_yoast_wpseo_primary_category', '21'), (29408, 1656, '_yoast_wpseo_focuskw', 'спасские ворота на пампаду'), (29409, 1656, '_yoast_wpseo_title', 'Встречайте новую СК на платформе Пампаду — Спасские ворота'), (29410, 1656, '_yoast_wpseo_metadesc', 'Расширяем возможности платформы для страховых агентов. Добавили в ОСАГО еще одну страховую — Спасские ворота.'), (29411, 1656, '_yoast_wpseo_linkdex', '58'), (29412, 1656, '_yoast_wpseo_content_score', '60'), (29413, 1656, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (29414, 1656, 'post_count_1656', '517'), (29415, 1656, 'pld_like_count', '2'), (29416, 1656, 'post_count_all', '467'), (29417, 1660, 'inline_featured_image', '0'), (29418, 1660, 'longer-permalinks-post-name-longer', 'povysili-prohodimost-po-osago'), (29419, 1660, '_thumbnail_id', '1661'), (29420, 1660, '_edit_last', '13'), (29421, 1660, '_yoast_wpseo_primary_category', '21'), (29422, 1660, '_yoast_wpseo_focuskw', 'Повысили проходимость по ОСАГО'), (29423, 1660, '_yoast_wpseo_title', 'Повысили проходимость по ОСАГО на Пампаду!'), (29424, 1660, '_yoast_wpseo_metadesc', 'Пробуйте делать расчеты на Пампаду, даже если недавно вы получали отказ от всех СК. Рассказываем как и что именно доработали.'), (29425, 1660, '_yoast_wpseo_linkdex', '63'), (29426, 1660, '_yoast_wpseo_content_score', '30'), (29427, 1660, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (29428, 1660, 'post_count_1660', '735'), (29429, 1660, 'pld_like_count', '1'), (29430, 1660, 'post_count_all', '537'), (29431, 1665, 'inline_featured_image', '0'), (29432, 1665, 'longer-permalinks-post-name-longer', 'obyavlyaem-nabor-v-zakrytyj-klub-strahovyh-agentov-pampadu'), (29433, 1665, '_thumbnail_id', '1666'), (29434, 1665, '_edit_last', '13'), (29435, 1665, '_yoast_wpseo_primary_category', '21'), (29436, 1665, '_yoast_wpseo_focuskw', 'Закрытый клуб Пампаду'), (29437, 1665, '_yoast_wpseo_title', 'Закрытый клуб для страховых агентов Пампаду - Как вступить?'), (29438, 1665, '_yoast_wpseo_metadesc', 'Стань участником закрытого клуба Пампаду, заполни форму, проверь условия и в течение нескольких дней наши менеджеры с тобой свяжутся.'), (29439, 1665, '_yoast_wpseo_linkdex', '50'), (29440, 1665, '_yoast_wpseo_content_score', '90'), (29441, 1665, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (29442, 1665, 'post_count_1665', '548'), (29443, 1665, 'pld_like_count', '1'), (29444, 1665, 'post_count_all', '491'), (29445, 1680, 'inline_featured_image', '0'), (29446, 1680, 'longer-permalinks-post-name-longer', 'kak-poluchit-litsenziyu-strahovogo-brokera'), (29447, 1680, '_thumbnail_id', '1681'), (29448, 1680, '_edit_last', '13'), (29449, 1680, '_yoast_wpseo_primary_category', '21'), (29450, 1680, '_yoast_wpseo_focuskw', 'лицензия страхового брокера'), (29451, 1680, '_yoast_wpseo_title', 'Как получить лицензию страхового брокера, лицензирование брокерской деятельности'), (29452, 1680, '_yoast_wpseo_metadesc', 'Разбираемся, зачем страховому брокеру нужна лицензия, и какие действия и документы для этого потребуются.'), (29453, 1680, '_yoast_wpseo_linkdex', '56'), (29454, 1680, '_yoast_wpseo_content_score', '30'), (29455, 1680, '_yoast_wpseo_estimated-reading-time-minutes', '7'), (29456, 1680, 'pld_like_count', '3'), (29457, 1680, 'post_count_1680', '1428'), (29458, 1680, 'post_count_all', '1221'), (29459, 1684, 'inline_featured_image', '0'), (29460, 1684, 'longer-permalinks-post-name-longer', 'novosti-rynka-strahovaniya-ot-pampadu'), (29461, 1684, '_thumbnail_id', '1685'), (29462, 1684, '_edit_last', '13'), (29463, 1684, '_yoast_wpseo_primary_category', '21'), (29464, 1684, '_yoast_wpseo_focuskw', 'новости рынка страхования'), (29465, 1684, '_yoast_wpseo_title', 'Новости рынка страхования от Пампаду'), (29466, 1684, '_yoast_wpseo_metadesc', 'Очередное расширение тарифного коридора ОСАГО. Перестраховочный пул полгода спустя, мнение агентов. Единый регламент кредитного страхования жизни, новые требования и повышение тарифов. Центробанк возобновляет выездные проверки страховщиков.'), (29467, 1684, '_yoast_wpseo_linkdex', '62'), (29468, 1684, '_yoast_wpseo_content_score', '30'), (29469, 1684, '_yoast_wpseo_estimated-reading-time-minutes', '5'), (29470, 1684, 'post_count_1684', '568'), (29471, 1684, 'pld_like_count', '4'), (29472, 1684, 'post_count_all', '528'), (29473, 1687, 'inline_featured_image', '0'), (29474, 1687, 'longer-permalinks-post-name-longer', 'tarify-osago-v-2022-godu'), (29475, 1687, '_thumbnail_id', '1688'), (29476, 1687, '_edit_last', '13'), (29477, 1687, '_yoast_wpseo_primary_category', '21'), (29478, 1687, '_yoast_wpseo_focuskw', 'тарифы осаго 2022'), (29479, 1687, '_yoast_wpseo_title', 'Тарифы ОСАГО 2022: Что изменилось в расчетах, коэффициенты базовых ставок'), (29480, 1687, '_yoast_wpseo_metadesc', 'Рассказываем, что конкретно изменилось в тарифах ОСАГО в 2022 году и как изменилась методика расчета стоимости полиса'), (29481, 1687, '_yoast_wpseo_linkdex', '62'), (29482, 1687, '_yoast_wpseo_content_score', '30'), (29483, 1687, '_yoast_wpseo_estimated-reading-time-minutes', '8'), (29484, 1687, 'post_count_1687', '1902'), (29485, 1687, 'pld_like_count', '2'), (29486, 1687, 'post_count_all', '1773'), (29487, 1690, 'inline_featured_image', '0'), (29488, 1690, 'longer-permalinks-post-name-longer', 'koeffitsient-vozrasta-i-stazha-v-polise-osago'), (29489, 1690, '_thumbnail_id', '1691'), (29490, 1690, '_edit_last', '13'), (29491, 1690, '_yoast_wpseo_primary_category', '21'), (29492, 1690, '_yoast_wpseo_focuskw', 'квс осаго'), (29493, 1690, '_yoast_wpseo_title', 'КВС в ОСАГО в 2022 году – что это такое, как рассчитать, таблица'), (29494, 1690, '_yoast_wpseo_metadesc', 'Рассмотрим, что такое коэффициент возраста и стажа (КВС) в ОСАГО и зачем он нужен, как рассчитывается. Актуальная на 2022 год таблица со значениями КВС.'), (29495, 1690, '_yoast_wpseo_linkdex', '76'), (29496, 1690, '_yoast_wpseo_content_score', '60'), (29497, 1690, '_yoast_wpseo_estimated-reading-time-minutes', '5'), (29498, 1690, 'post_count_1690', '12036'), (29499, 1690, 'pld_like_count', '8'), (29500, 1690, 'pld_dislike_count', '7'), (29501, 1690, 'post_count_all', '10961'), (29502, 1694, 'inline_featured_image', '0'), (29503, 1694, 'longer-permalinks-post-name-longer', 'partnerskie-programmy-bankov'), (29504, 1694, '_thumbnail_id', '1703'), (29505, 1694, '_edit_last', '16'), (29506, 1694, '_yoast_wpseo_primary_category', '21'), (29507, 1694, '_yoast_wpseo_focuskw', 'партнёрская программа банков'); INSERT INTO `wp_postmeta` (`meta_id`, `post_id`, `meta_key`, `meta_value`) VALUES (29508, 1694, '_yoast_wpseo_title', '%%title%% %%page%% - Как заработать, где найти?'), (29509, 1694, '_yoast_wpseo_metadesc', 'Обзор партнёрских программ банков и где их найти. 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Рассказываем подробнее'), (29796, 1826, '_yoast_wpseo_linkdex', '50'), (29797, 1826, '_yoast_wpseo_content_score', '90'), (29798, 1826, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (29799, 1826, 'post_count_1826', '689'), (29800, 1826, 'post_count_all', '625'), (29801, 1829, 'inline_featured_image', '0'), (29802, 1829, 'longer-permalinks-post-name-longer', 'strahovanie-ipoteki-na-pampadu-statistika-za-sentyabr'), (29803, 1829, '_thumbnail_id', '1830'), (29804, 1829, '_edit_last', '13'), (29805, 1829, '_yoast_wpseo_primary_category', '21'), (29806, 1829, '_yoast_wpseo_title', 'Страхование ипотеки на Пампаду - статистика за сентябрь'), (29807, 1829, '_yoast_wpseo_metadesc', 'Как завершился второй месяц работы по страхованию ипотеки при помощи менеджеров Пампаду'), (29808, 1829, '_yoast_wpseo_content_score', '60'), (29809, 1829, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (29810, 1829, 'post_count_1829', '599'), (29811, 1829, 'post_count_all', '545'), (29812, 1833, 'inline_featured_image', '0'), (29813, 1833, 'longer-permalinks-post-name-longer', 'arbitrazh-trafika-na-hr-offery'), (29814, 1833, '_thumbnail_id', '1837'), (29815, 1833, '_edit_last', '13'), (29816, 1833, '_yoast_wpseo_primary_category', '21'), (29817, 1833, '_yoast_wpseo_focuskw', 'HR офферы арбитраж'), (29818, 1833, '_yoast_wpseo_title', 'HR офферы – арбитраж, как лить трафик'), (29819, 1833, '_yoast_wpseo_metadesc', 'Рассказываем о HR офферах: как работает данная вертикаль, как на ней можно заработать, как лить трафик и какие существуют нюансы'), (29820, 1833, '_yoast_wpseo_linkdex', '56'), (29821, 1833, '_yoast_wpseo_content_score', '90'), (29822, 1833, '_yoast_wpseo_estimated-reading-time-minutes', '6'), (29823, 1833, 'post_count_1833', '2372'), (29824, 1833, 'pld_like_count', '3'), (29825, 1833, 'post_count_all', '2020'), (29826, 1839, 'inline_featured_image', '0'), (29827, 1839, 'longer-permalinks-post-name-longer', 'biznes-na-strahovanii'), (29828, 1839, '_thumbnail_id', '1840'), (29829, 1839, '_edit_last', '13'), (29830, 1839, '_yoast_wpseo_primary_category', '21'), (29831, 1839, '_yoast_wpseo_focuskw', 'Бизнес на страховании'), (29832, 1839, '_yoast_wpseo_title', 'Бизнес на страховании: виды, риски, особенности запуска'), (29833, 1839, '_yoast_wpseo_metadesc', 'Рассказываем, как открыть бизнес в сфере страхования и автострахования: Нюансы страхового бизнеса, существующие риски, особенности продвижения'), (29834, 1839, '_yoast_wpseo_linkdex', '60'), (29835, 1839, '_yoast_wpseo_content_score', '30'), (29836, 1839, '_yoast_wpseo_estimated-reading-time-minutes', '15'), (29837, 1839, 'post_count_1839', '2585'), (29838, 1839, 'post_count_all', '2168'), (29839, 1843, 'inline_featured_image', '0'), (29840, 1843, 'longer-permalinks-post-name-longer', 'bolshe-chem-prosto-vysokoe-kv'), (29841, 1843, '_thumbnail_id', '1844'), (29842, 1843, '_edit_last', '13'), (29843, 1843, '_yoast_wpseo_primary_category', '21'), (29844, 1843, '_yoast_wpseo_focuskw', 'преимущества пампаду страхование ипотеки'), (29845, 1843, '_yoast_wpseo_metadesc', 'Кто-то мог подумать, что высокие ставки, это единственное из-за чего агенты выбирают оформление ипотеки на Пампаду. Это не так и давайте разберемся подробней о всех плюсах работы.'), (29846, 1843, '_yoast_wpseo_linkdex', '55'), (29847, 1843, '_yoast_wpseo_content_score', '30'), (29848, 1843, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (29849, 1843, 'post_count_1843', '806'), (29850, 1843, '_yoast_wpseo_title', '%%title%% %%page%%'), (29851, 1843, 'post_count_all', '753'), (29852, 1847, 'inline_featured_image', '0'), (29853, 1847, 'longer-permalinks-post-name-longer', 'okved-dlya-strahovogo-agenta'), (29854, 1847, '_thumbnail_id', '1848'), (29855, 1847, '_edit_last', '13'), (29856, 1847, '_yoast_wpseo_primary_category', '21'), (29857, 1847, '_yoast_wpseo_focuskw', 'оквэд для страхового агента'), (29858, 1847, '_yoast_wpseo_title', 'ОКВЭД страховых агентов, код 66.22 деятельность финансовая и страховая'), (29859, 1847, '_yoast_wpseo_metadesc', 'Какой код ОКВЭД указывать для страховой деятельности, подборка кодов для деятельности страховых агентов и брокеров'), (29860, 1847, '_yoast_wpseo_linkdex', '54'), (29861, 1847, '_yoast_wpseo_content_score', '60'), (29862, 1847, '_yoast_wpseo_estimated-reading-time-minutes', '4'), (29863, 1847, 'post_count_1847', '1684'), (29864, 1847, 'pld_like_count', '1'), (29865, 1847, 'post_count_all', '1366'), (29866, 1851, 'inline_featured_image', '0'), (29867, 1851, 'longer-permalinks-post-name-longer', 'kt-osago'), (29868, 1851, '_thumbnail_id', '1852'), (29869, 1851, '_edit_last', '13'), (29870, 1851, '_yoast_wpseo_primary_category', '21'), (29871, 1851, '_yoast_wpseo_focuskw', 'КТ ОСАГО'), (29872, 1851, '_yoast_wpseo_title', 'КТ ОСАГО - территориальный коэффициент в 2022 году'), (29873, 1851, '_yoast_wpseo_metadesc', 'Что такое территориальный коэффициент (КТ) в ОСАГО - понятие, на что влияет, минимальные и максимальные значения, таблица КТ в 2022 году'), (29874, 1851, '_yoast_wpseo_linkdex', '67'), (29875, 1851, '_yoast_wpseo_content_score', '30'), (29876, 1851, '_yoast_wpseo_estimated-reading-time-minutes', '9'), (29877, 1851, 'post_count_1851', '7278'), (29878, 1851, 'pld_like_count', '5'), (29879, 1851, 'pld_dislike_count', '3'), (29880, 1851, 'post_count_all', '6178'), (29881, 1854, 'inline_featured_image', '0'), (29882, 1854, 'longer-permalinks-post-name-longer', 'proverka-stoimosti-zapchastej-po-rsa'), (29883, 1854, '_thumbnail_id', '1855'), (29884, 1854, '_edit_last', '13'), (29885, 1854, '_yoast_wpseo_primary_category', '21'), (29886, 1854, '_yoast_wpseo_focuskw', 'Проверка стоимости запчастей'), (29887, 1854, '_yoast_wpseo_title', 'Проверка стоимости запчастей по ОСАГО в справочнике РСА'), (29888, 1854, '_yoast_wpseo_metadesc', 'Расчет стоимости запчастей с помощью справочника РСА: для чего нужен расчет, как работать со справочником, как определить стоимость запчастей'), (29889, 1854, '_yoast_wpseo_linkdex', '62'), (29890, 1854, '_yoast_wpseo_content_score', '30'), (29891, 1854, '_yoast_wpseo_estimated-reading-time-minutes', '7'), (29892, 1854, 'post_count_1854', '3583'), (29893, 1854, 'pld_dislike_count', '8'), (29894, 1854, 'pld_like_count', '2'), (29895, 1854, 'post_count_all', '2818'), (29896, 1858, 'inline_featured_image', '0'), (29897, 1858, 'longer-permalinks-post-name-longer', 'kakie-u-nas-izmeneniya-po-osago-i-ipoteke'), (29898, 1858, '_thumbnail_id', '1859'), (29899, 1858, '_edit_last', '17'), (29900, 1858, '_yoast_wpseo_primary_category', '21'), (29901, 1858, '_yoast_wpseo_title', '%%title%% %%page%%'), (29902, 1858, '_yoast_wpseo_metadesc', 'Пока СК подкручивают сегментацию и на это нельзя повлиять, мы работаем, прикладывая все силы на запуск новых партнеров и доработки.'), (29903, 1858, '_yoast_wpseo_content_score', '60'), (29904, 1858, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (29905, 1858, 'post_count_1858', '451'), (29906, 1858, 'ytrssenabled_meta_value', 'no'), (29907, 1858, 'ytremove_meta_value', 'no'), (29908, 1858, 'ytad1meta', 'enabled'), (29909, 1858, 'ytad2meta', 'enabled'), (29910, 1858, 'ytad3meta', 'enabled'), (29911, 1858, 'ytad4meta', 'enabled'), (29912, 1858, 'ytad5meta', 'enabled'), (29913, 1858, 'template_meta', 'no'), (29914, 1858, 'ytextendedhtmlmeta', 'default'), (29915, 1858, 'ytpostdatemeta', 'default'), (29916, 1858, 'post_count_all', '393'), (29917, 1867, 'inline_featured_image', '0'), (29918, 1867, 'longer-permalinks-post-name-longer', 'kasko-dlya-vseh'), (29919, 1867, 'post_count_1867', '570'), (29920, 1867, '_thumbnail_id', '1868'), (29921, 1867, '_edit_last', '13'), (29922, 1867, '_yoast_wpseo_primary_category', '21'), (29923, 1867, '_yoast_wpseo_metadesc', 'Рассказываем про продукт, как найти клиентов и увеличить заработок. КАСКО для всех.'), (29924, 1867, '_yoast_wpseo_content_score', '30'), (29925, 1867, '_yoast_wpseo_estimated-reading-time-minutes', '6'), (29926, 1867, '_yoast_wpseo_title', '%%title%% %%page%%'), (29927, 1867, 'post_count_all', '509'), (29928, 1879, 'inline_featured_image', '0'), (29929, 1879, 'longer-permalinks-post-name-longer', 'kak-vygodnee-rabotat-strahovomu-agentu-ip-samozanyatyj-fizlitso'), (29930, 1879, '_thumbnail_id', '1880'), (29931, 1879, '_edit_last', '13'), (29932, 1879, '_yoast_wpseo_primary_category', '21'), (29933, 1879, '_yoast_wpseo_title', 'Как лучше работать страховому агенту: ИП, самозанятый, физлицо'), (29934, 1879, '_yoast_wpseo_metadesc', 'Разбираемся в преимуществах и недостатках статуса страхового агента, как лучше и выгоднее работать, примеры расчетов'), (29935, 1879, '_yoast_wpseo_content_score', '60'), (29936, 1879, '_yoast_wpseo_estimated-reading-time-minutes', '5'), (29937, 1879, 'post_count_1879', '996'), (29938, 1879, 'post_count_all', '851'), (29939, 1882, 'inline_featured_image', '0'), (29940, 1882, 'longer-permalinks-post-name-longer', 'raschet-iznosa-po-osago'), (29941, 1882, '_thumbnail_id', '1883'), (29942, 1882, '_edit_last', '17'), (29943, 1882, '_yoast_wpseo_primary_category', '21'), (29944, 1882, '_yoast_wpseo_focuskw', 'износ ОСАГО'), (29945, 1882, '_yoast_wpseo_title', 'Как рассчитать износ по ОСАГО и можно ли взыскать сумму с виновника ДТП'), (29946, 1882, '_yoast_wpseo_metadesc', 'Рассказываем, как производится расчет износа автомобиля и комплектующих. Расчеты страхового возмещения при ДТП по полисам ОСАГО. Методика определения размера расходов на восстановительный ремонт в отношении поврежденного транспортного средства'), (29947, 1882, '_yoast_wpseo_linkdex', '46'), (29948, 1882, '_yoast_wpseo_content_score', '30'), (29949, 1882, '_yoast_wpseo_estimated-reading-time-minutes', '6'), (29950, 1882, 'post_count_1882', '1928'), (29951, 1882, 'ytrssenabled_meta_value', 'no'), (29952, 1882, 'ytremove_meta_value', 'no'), (29953, 1882, 'ytad1meta', 'enabled'), (29954, 1882, 'ytad2meta', 'enabled'), (29955, 1882, 'ytad3meta', 'enabled'), (29956, 1882, 'ytad4meta', 'enabled'), (29957, 1882, 'ytad5meta', 'enabled'), (29958, 1882, 'template_meta', 'no'), (29959, 1882, 'ytextendedhtmlmeta', 'default'), (29960, 1882, 'ytpostdatemeta', 'default'), (29961, 1882, 'post_count_all', '1603'), (29962, 1885, 'inline_featured_image', '0'), (29963, 1885, 'longer-permalinks-post-name-longer', 'nds-s-agentskogo-voznagrazhdeniya-kak-rasschitat'), (29964, 1885, '_thumbnail_id', '1886'), (29965, 1885, '_edit_last', '17'), (29966, 1885, '_yoast_wpseo_primary_category', '21'), (29967, 1885, '_yoast_wpseo_focuskw', 'ндс с агентского вознараждения'), (29968, 1885, '_yoast_wpseo_title', 'НДС с агентского вознаграждения: что это и как рассчитать'), (29969, 1885, '_yoast_wpseo_metadesc', 'Рассказываем, как рассчитать НДС с агентского вознаграждения, что такое агентский договор, как оплачивает НДС принципал и агент'), (29970, 1885, '_yoast_wpseo_linkdex', '51'), (29971, 1885, '_yoast_wpseo_content_score', '30'), (29972, 1885, '_yoast_wpseo_estimated-reading-time-minutes', '6'), (29973, 1885, 'post_count_1885', '2770'), (29974, 1885, 'ytrssenabled_meta_value', 'no'), (29975, 1885, 'ytremove_meta_value', 'no'), (29976, 1885, 'ytad1meta', 'enabled'), (29977, 1885, 'ytad2meta', 'enabled'), (29978, 1885, 'ytad3meta', 'enabled'), (29979, 1885, 'ytad4meta', 'enabled'), (29980, 1885, 'ytad5meta', 'enabled'), (29981, 1885, 'template_meta', 'no'), (29982, 1885, 'ytextendedhtmlmeta', 'default'), (29983, 1885, 'ytpostdatemeta', 'default'), (29984, 1885, 'post_count_all', '2121'), (29985, 1890, 'inline_featured_image', '0'), (29986, 1890, 'longer-permalinks-post-name-longer', 'pari-i-maks-podklyucheno-strahovanie-apartamentov-i-komnat'), (29987, 1890, '_thumbnail_id', '1891'), (29988, 1890, '_edit_last', '17'), (29989, 1890, '_yoast_wpseo_primary_category', '21'), (29990, 1890, '_yoast_wpseo_focuskw', 'страхование апартаментов и комнат'), (29991, 1890, '_yoast_wpseo_title', '%%title%% %%page%%'), (29992, 1890, '_yoast_wpseo_metadesc', 'По 30 банкам на платформе уже доступно оформление апартаментов и комнат СК Пари и СК Макс.'), (29993, 1890, '_yoast_wpseo_linkdex', '60'), (29994, 1890, '_yoast_wpseo_content_score', '30'), (29995, 1890, '_yoast_wpseo_estimated-reading-time-minutes', '3'), (29996, 1890, 'post_count_1890', '525'), (29997, 1890, 'ytrssenabled_meta_value', 'no'), (29998, 1890, 'ytremove_meta_value', 'no'), (29999, 1890, 'ytad1meta', 'enabled'), (30000, 1890, 'ytad2meta', 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Повышаем ставки на ВСЕ банковские продукты!'), (30525, 2098, '_yoast_wpseo_linkdex', '42'), (30526, 2098, '_yoast_wpseo_content_score', '90'), (30527, 2098, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (30528, 2098, 'post_count_2098', '526'), (30529, 2098, 'post_count_all', '485'), (30530, 2103, 'inline_featured_image', '0'), (30531, 2103, 'longer-permalinks-post-name-longer', 'cpa-terminy-chto-takoe-epc-i-cr-v-arbitrazhe-trafika'), (30532, 2103, '_thumbnail_id', '2104'), (30533, 2103, '_edit_last', '17'), (30534, 2103, '_yoast_wpseo_primary_category', '21'), (30535, 2103, '_yoast_wpseo_focuskw', 'cpa термины'), (30536, 2103, '_yoast_wpseo_title', 'Что такое EPC и CR в арбитраже трафика'), (30537, 2103, '_yoast_wpseo_metadesc', 'Рассказываем что такое EPC и CPA в арбитраже трафика простыми словами. Зачем учитывать в рекламе формулы расчёта бюджета, партнерский маркетинг и арбитраж. Показатель вебмастера, средний доход клика, все сpa термины'), (30538, 2103, '_yoast_wpseo_linkdex', '51'), (30539, 2103, '_yoast_wpseo_content_score', '60'), (30540, 2103, '_yoast_wpseo_estimated-reading-time-minutes', '6'), (30541, 2103, 'post_count_2103', '1443'), (30542, 2103, 'ytrssenabled_meta_value', 'no'), (30543, 2103, 'ytremove_meta_value', 'no'), (30544, 2103, 'ytad1meta', 'enabled'), (30545, 2103, 'ytad2meta', 'enabled'), (30546, 2103, 'ytad3meta', 'enabled'), (30547, 2103, 'ytad4meta', 'enabled'), (30548, 2103, 'ytad5meta', 'enabled'), (30549, 2103, 'template_meta', 'no'), (30550, 2103, 'ytextendedhtmlmeta', 'default'), (30551, 2103, 'ytpostdatemeta', 'default'), (30552, 2103, 'post_count_all', '1075'), (30553, 2106, 'inline_featured_image', '0'), (30554, 2106, 'longer-permalinks-post-name-longer', 'chto-takoe-apruv-v-arbitrazhe-trafika-srednie-pokazateli-apruva-v-cpa-setyah'), (30555, 2106, '_thumbnail_id', '2107'), (30556, 2106, '_edit_last', '17'), (30557, 2106, '_yoast_wpseo_primary_category', '21'), (30558, 2106, '_yoast_wpseo_focuskw', 'апрув в арбитраже'), (30559, 2106, '_yoast_wpseo_title', 'Апрув в арбитраже трафика - что это простыми словами'), (30560, 2106, '_yoast_wpseo_metadesc', 'Что такое апрув в арбитраже трафика, применение, правила расчета, проценты и примеры, понятие cpa в партнерках простыми словами'), (30561, 2106, '_yoast_wpseo_linkdex', '71'), (30562, 2106, '_yoast_wpseo_content_score', '90'), (30563, 2106, '_yoast_wpseo_estimated-reading-time-minutes', '6'), (30564, 2106, 'post_count_2106', '1246'), (30565, 2106, 'ytrssenabled_meta_value', 'no'), (30566, 2106, 'ytremove_meta_value', 'no'), (30567, 2106, 'ytad1meta', 'enabled'), (30568, 2106, 'ytad2meta', 'enabled'), (30569, 2106, 'ytad3meta', 'enabled'), (30570, 2106, 'ytad4meta', 'enabled'), (30571, 2106, 'ytad5meta', 'enabled'), (30572, 2106, 'template_meta', 'no'), (30573, 2106, 'ytextendedhtmlmeta', 'default'), (30574, 2106, 'ytpostdatemeta', 'default'), (30575, 2106, 'pld_like_count', '2'), (30576, 2106, 'post_count_all', '834'), (30577, 2109, 'inline_featured_image', '0'), (30578, 2109, 'longer-permalinks-post-name-longer', 'pampadu-povysil-stavki-po-vsem-bankovskim-produktam'), (30579, 2109, '_thumbnail_id', '2110'), (30580, 2109, '_edit_last', '13'), (30581, 2109, '_yoast_wpseo_primary_category', '21'), (30582, 2109, '_yoast_wpseo_focuskw', 'пампаду'), (30583, 2109, '_yoast_wpseo_title', '%%title%% %%page%%'), (30584, 2109, '_yoast_wpseo_metadesc', 'Теперь вам не придется тратить время на то, чтобы искать выгодные варианты по банковским продуктам, самые выгодные предложения на Пампаду!'), (30585, 2109, '_yoast_wpseo_linkdex', '49'), (30586, 2109, '_yoast_wpseo_content_score', '90'), (30587, 2109, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (30588, 2109, 'post_count_2109', '9640'), (30589, 2109, 'pld_like_count', '7'), (30590, 2109, 'pld_dislike_count', '6'), (30591, 2109, 'post_count_all', '9593'), (30592, 2112, 'inline_featured_image', '0'), (30593, 2112, 'longer-permalinks-post-name-longer', 'v-rossii-vvedeny-novye-standarty-po-strahovaniyu-ipoteki'), (30594, 2112, '_thumbnail_id', '2113'), (30595, 2112, '_edit_last', '13'), (30596, 2112, '_yoast_wpseo_primary_category', '21'), (30597, 2112, '_yoast_wpseo_focuskw', 'пампаду'), (30598, 2112, '_yoast_wpseo_title', '%%title%% %%page%%'), (30599, 2112, '_yoast_wpseo_metadesc', 'В России введены новые стандарты по страхованию ипотеки.'), (30600, 2112, '_yoast_wpseo_linkdex', '48'), (30601, 2112, '_yoast_wpseo_content_score', '60'), (30602, 2112, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (30603, 2112, 'post_count_2112', '266'), (30604, 2112, 'post_count_all', '228'), (30605, 1521, 'inline_featured_image', '0'), (30606, 1521, 'longer-permalinks-post-name-longer', 'skolko-zarabatyvaet-strahovoj-agent-2'), (30607, 1521, '_thumbnail_id', '1523'), (30608, 1521, '_edit_last', '17'), (30609, 1521, '_yoast_wpseo_primary_category', '21'), (30610, 1521, '_yoast_wpseo_focuskw', 'сколько зарабатывает страховой агент'), (30611, 1521, '_yoast_wpseo_title', 'Сколько получает страховой агент'), (30612, 1521, '_yoast_wpseo_metadesc', 'Рассказываем, сколько зарабатывает страховой агент, какой процент от сделки получает. Средняя зарплата специалиста по страхованию в месяц. Выясняем, как страховщику увеличить свой доход.'), (30613, 1521, '_yoast_wpseo_linkdex', '58'), (30614, 1521, '_yoast_wpseo_content_score', '60'), (30615, 1521, '_yoast_wpseo_estimated-reading-time-minutes', '4'), (30616, 1521, 'post_count_1521', '3808'), (30617, 1521, 'ytrssenabled_meta_value', 'no'), (30618, 1521, 'ytremove_meta_value', 'no'), (30619, 1521, 'ytad1meta', 'enabled'), (30620, 1521, 'ytad2meta', 'enabled'), (30621, 1521, 'ytad3meta', 'enabled'), (30622, 1521, 'ytad4meta', 'enabled'), (30623, 1521, 'ytad5meta', 'enabled'), (30624, 1521, 'template_meta', 'no'), (30625, 1521, 'ytextendedhtmlmeta', 'default'), (30626, 1521, 'ytpostdatemeta', 'default'), (30627, 1521, 'post_count_all', '3231'), (30628, 2120, 'inline_featured_image', '0'), (30629, 2120, 'longer-permalinks-post-name-longer', 'prozrachnye-itogi-marta'), (30630, 2120, '_thumbnail_id', '2121'), (30631, 2120, '_edit_last', '17'), (30632, 2120, '_yoast_wpseo_primary_category', '21'), (30633, 2120, '_yoast_wpseo_focuskw', 'пампаду'), (30634, 2120, '_yoast_wpseo_title', '%%title%% %%page%%'), (30635, 2120, '_yoast_wpseo_metadesc', 'Результаты марта в цифрах'), (30636, 2120, '_yoast_wpseo_linkdex', '39'), (30637, 2120, '_yoast_wpseo_content_score', '90'), (30638, 2120, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (30639, 2120, 'post_count_2120', '281'), (30640, 2120, 'ytrssenabled_meta_value', 'no'), (30641, 2120, 'ytremove_meta_value', 'no'), (30642, 2120, 'ytad1meta', 'enabled'), (30643, 2120, 'ytad2meta', 'enabled'), (30644, 2120, 'ytad3meta', 'enabled'), (30645, 2120, 'ytad4meta', 'enabled'), (30646, 2120, 'ytad5meta', 'enabled'), (30647, 2120, 'template_meta', 'no'), (30648, 2120, 'ytextendedhtmlmeta', 'default'), (30649, 2120, 'ytpostdatemeta', 'default'), (30650, 2120, 'post_count_all', '236'), (30651, 2123, 'inline_featured_image', '0'), (30652, 2123, 'longer-permalinks-post-name-longer', 'a-kak-tam-vnutri-pampadu'), (30653, 2123, '_thumbnail_id', '2124'), (30654, 2123, '_edit_last', '13'), (30655, 2123, '_yoast_wpseo_primary_category', '21'), (30656, 2123, '_yoast_wpseo_focuskw', 'пампаду'), (30657, 2123, '_yoast_wpseo_title', '%%title%% %%page%%'), (30658, 2123, '_yoast_wpseo_metadesc', 'Рассказываем про внутрянку отделов на Пампаду'), (30659, 2123, '_yoast_wpseo_linkdex', '54'), (30660, 2123, '_yoast_wpseo_content_score', '60'), (30661, 2123, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (30662, 2123, 'post_count_2123', '224'), (30663, 2123, 'pld_dislike_count', '1'), (30664, 2123, 'post_count_all', '186'), (30665, 2130, 'inline_featured_image', '0'), (30666, 2130, 'longer-permalinks-post-name-longer', 'pampadu-v-tvoem-smartfone'), (30667, 2130, '_thumbnail_id', '2133'), (30668, 2130, '_edit_last', '13'), (30669, 2130, 'ytrssenabled_meta_value', 'yes'), (30670, 2130, 'ytremove_meta_value', 'no'), (30671, 2130, 'ytad1meta', 'enabled'), (30672, 2130, 'ytad2meta', 'enabled'), (30673, 2130, 'ytad3meta', 'enabled'), (30674, 2130, 'ytad4meta', 'enabled'), (30675, 2130, 'ytad5meta', 'enabled'), (30676, 2130, 'template_meta', 'no'), (30677, 2130, 'ytextendedhtmlmeta', 'default'), (30678, 2130, 'ytpostdatemeta', 'default'), (30679, 2130, '_yoast_wpseo_primary_category', '21'), (30680, 2130, '_yoast_wpseo_focuskw', 'пампаду'), (30681, 2130, '_yoast_wpseo_title', '%%title%% %%page%%'), (30682, 2130, '_yoast_wpseo_metadesc', 'Пампаду в твоем смартфоне, на каких площадках можно скачать приложение. 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Чтобы он появился, необходимо перейти на страницу, где размещен код, и кликнуть по любому из компонентов.'), (32641, 2765, '_yoast_wpseo_content_score', '60'), (32642, 2765, '_yoast_wpseo_estimated-reading-time-minutes', '5'), (32643, 2765, 'post_count_2765', '402'), (32644, 2765, 'post_count_all', '287'), (32645, 2768, 'inline_featured_image', '0'), (32646, 2768, 'longer-permalinks-post-name-longer', 'partnerskaya-programma-loko-banka'), (32647, 2768, '_thumbnail_id', '2771'), (32648, 2768, '_edit_last', '17'), (32649, 2768, 'ytrssenabled_meta_value', 'no'), (32650, 2768, 'ytremove_meta_value', 'no'), (32651, 2768, 'ytad1meta', 'enabled'), (32652, 2768, 'ytad2meta', 'enabled'), (32653, 2768, 'ytad3meta', 'enabled'), (32654, 2768, 'ytad4meta', 'enabled'), (32655, 2768, 'ytad5meta', 'enabled'), (32656, 2768, 'template_meta', 'no'), (32657, 2768, 'ytextendedhtmlmeta', 'default'), (32658, 2768, 'ytpostdatemeta', 'default'), (32659, 2768, '_yoast_wpseo_primary_category', '21'), (32660, 2768, '_yoast_wpseo_title', 'Партнерская программа ЛОКО-Банка: как подключиться, какие офферы и сколько можно заработать'), (32661, 2768, '_yoast_wpseo_metadesc', 'Платформа Пампаду обеспечивает агентам возможности для заработка. Один из вариантов – партнерская программа ЛОКО Банк. Она позволяет зарабатывать даже новичку.'), (32662, 2768, '_yoast_wpseo_content_score', '30'), (32663, 2768, '_yoast_wpseo_estimated-reading-time-minutes', '4'), (32664, 2768, 'post_count_2768', '266'), (32665, 2768, 'post_count_all', '204'), (32666, 2773, 'inline_featured_image', '0'), (32667, 2773, 'longer-permalinks-post-name-longer', 'rtb-reklama-chto-ehto-takoe-i-kak-rabotaet'), (32668, 2773, '_thumbnail_id', '2774'), (32669, 2773, '_edit_last', '17'), (32670, 2773, 'ytrssenabled_meta_value', 'no'), (32671, 2773, 'ytremove_meta_value', 'no'), (32672, 2773, 'ytad1meta', 'enabled'), (32673, 2773, 'ytad2meta', 'enabled'), (32674, 2773, 'ytad3meta', 'enabled'), (32675, 2773, 'ytad4meta', 'enabled'), (32676, 2773, 'ytad5meta', 'enabled'), (32677, 2773, 'template_meta', 'no'), (32678, 2773, 'ytextendedhtmlmeta', 'default'), (32679, 2773, 'ytpostdatemeta', 'default'), (32680, 2773, '_yoast_wpseo_primary_category', '21'), (32681, 2773, '_yoast_wpseo_title', 'RTB-реклама: что это такое и как работает Real-Time Bidding'), (32682, 2773, '_yoast_wpseo_metadesc', 'У тех, кто занимается рекламой, может возникать вопрос – РТБ что это? 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'%%title%% %%page%%'), (32820, 2805, '_yoast_wpseo_metadesc', 'Сейчас автовладелец страхует свою ответственность перед другими лицами на конкретную машину. 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Вы узнаете об этом, прочитав нашу новую статью. Мы поможем с выбором кода ОКВЭД и поясним детали.'), (32843, 2808, '_yoast_wpseo_content_score', '60'), (32844, 2808, '_yoast_wpseo_estimated-reading-time-minutes', '6'), (32845, 2808, 'post_count_2808', '436'), (32846, 2808, 'post_count_all', '258'), (32847, 2811, 'inline_featured_image', '0'), (32848, 2811, 'longer-permalinks-post-name-longer', 'novaya-aktsiya-na-pampadu-zarabotaj-na-osago-i-strahovanii-ipoteki'), (32849, 2811, '_thumbnail_id', '2823'), (32850, 2811, '_edit_last', '13'), (32851, 2811, 'ytrssenabled_meta_value', 'no'), (32852, 2811, 'ytremove_meta_value', 'no'), (32853, 2811, 'ytad1meta', 'enabled'), (32854, 2811, 'ytad2meta', 'enabled'), (32855, 2811, 'ytad3meta', 'enabled'), (32856, 2811, 'ytad4meta', 'enabled'), (32857, 2811, 'ytad5meta', 'enabled'), (32858, 2811, 'template_meta', 'no'), (32859, 2811, 'ytextendedhtmlmeta', 'default'), (32860, 2811, 'ytpostdatemeta', 'default'), (32861, 2811, '_yoast_wpseo_primary_category', '21'), (32862, 2811, '_yoast_wpseo_focuskw', 'Пампаду'), (32863, 2811, '_yoast_wpseo_title', '%%title%% %%page%%'), (32864, 2811, '_yoast_wpseo_metadesc', 'Запустили по настоящему жаркую акцию, которая поможет вам заработать на ОСАГО и страховании ипотеки больше чем, в любом другом месте!'), (32865, 2811, '_yoast_wpseo_linkdex', '59'), (32866, 2811, '_yoast_wpseo_content_score', '30'), (32867, 2811, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (32868, 2811, 'post_count_2811', '6764'), (32869, 2811, 'pld_like_count', '5'), (32870, 2811, 'pld_dislike_count', '4'), (32871, 2811, 'post_count_all', '6674'), (32872, 2815, 'inline_featured_image', '0'), (32873, 2815, 'longer-permalinks-post-name-longer', 'skripty-prodazh-rieltora'), (32874, 2815, '_thumbnail_id', '2816'), (32875, 2815, '_edit_last', '17'), (32876, 2815, 'ytrssenabled_meta_value', 'no'), (32877, 2815, 'ytremove_meta_value', 'no'), (32878, 2815, 'ytad1meta', 'enabled'), (32879, 2815, 'ytad2meta', 'enabled'), (32880, 2815, 'ytad3meta', 'enabled'), (32881, 2815, 'ytad4meta', 'enabled'), (32882, 2815, 'ytad5meta', 'enabled'), (32883, 2815, 'template_meta', 'no'), (32884, 2815, 'ytextendedhtmlmeta', 'default'), (32885, 2815, 'ytpostdatemeta', 'default'), (32886, 2815, '_yoast_wpseo_primary_category', '21'), (32887, 2815, '_yoast_wpseo_title', 'Скрипты продаж риэлтора для холодных звонков, примеры из практики'), (32888, 2815, '_yoast_wpseo_metadesc', 'В статье описаны рабочие скрипты продаж риелтора, которые помогут агенту в совершении холодных звонков. Мы расскажем, как работать с возражениями клиентов, на примерах покажем, как убедить его заключить договор.'), (32889, 2815, '_yoast_wpseo_content_score', '30'), (32890, 2815, '_yoast_wpseo_estimated-reading-time-minutes', '6'), (32891, 2815, 'post_count_2815', '3830'), (32892, 2815, 'post_count_all', '1678'), (32893, 2820, 'inline_featured_image', '0'), (32894, 2820, 'longer-permalinks-post-name-longer', 'rossijskaya-gildiya-rieltorov-chto-eto-i-zachem-nuzhna'), (32895, 2820, '_thumbnail_id', '2821'), (32896, 2820, '_edit_last', '17'), (32897, 2820, 'ytrssenabled_meta_value', 'no'), (32898, 2820, 'ytremove_meta_value', 'no'), (32899, 2820, 'ytad1meta', 'enabled'), (32900, 2820, 'ytad2meta', 'enabled'), (32901, 2820, 'ytad3meta', 'enabled'), (32902, 2820, 'ytad4meta', 'enabled'), (32903, 2820, 'ytad5meta', 'enabled'), (32904, 2820, 'template_meta', 'no'), (32905, 2820, 'ytextendedhtmlmeta', 'default'), (32906, 2820, 'ytpostdatemeta', 'default'), (32907, 2820, '_yoast_wpseo_primary_category', '21'), (32908, 2820, '_yoast_wpseo_title', 'Российская гильдия риэлторов: что это и зачем нужна'), (32909, 2820, '_yoast_wpseo_metadesc', 'В статье рассматриваются преимущества и недостатки вступления в Российскую гильдию риелторов. Расскажем про этот и другие действенные инструменты в работе агента по недвижимости.'), (32910, 2820, '_yoast_wpseo_content_score', '30'), (32911, 2820, '_yoast_wpseo_estimated-reading-time-minutes', '3'), (32912, 2820, 'post_count_2820', '1024'), (32913, 2820, 'post_count_all', '527'), (32914, 2827, 'inline_featured_image', '0'), (32915, 2827, 'longer-permalinks-post-name-longer', 'kakie-dokumenty-podgotovit-rieltoru-dlya-prodazhi-kvartiry'), (32916, 2827, '_thumbnail_id', '2828'), (32917, 2827, '_edit_last', '17'), (32918, 2827, 'ytrssenabled_meta_value', 'no'), (32919, 2827, 'ytremove_meta_value', 'no'), (32920, 2827, 'ytad1meta', 'enabled'), (32921, 2827, 'ytad2meta', 'enabled'), (32922, 2827, 'ytad3meta', 'enabled'), (32923, 2827, 'ytad4meta', 'enabled'), (32924, 2827, 'ytad5meta', 'enabled'), (32925, 2827, 'template_meta', 'no'), (32926, 2827, 'ytextendedhtmlmeta', 'default'), (32927, 2827, 'ytpostdatemeta', 'default'), (32928, 2827, '_yoast_wpseo_primary_category', '1'), (32929, 2827, '_yoast_wpseo_title', 'Какие документы подготовить риэлтору для продажи квартиры'), (32930, 2827, '_yoast_wpseo_metadesc', 'Приводим список документов для продажи квартиры, которые понадобятся при заключении договора на сделку. Расскажем о подводных камнях, на которые может наткнуться начинающий риелтор.'), (32931, 2827, '_yoast_wpseo_content_score', '30'), (32932, 2827, '_yoast_wpseo_estimated-reading-time-minutes', '8'), (32933, 2827, 'post_count_2827', '943'), (32934, 2827, 'post_count_all', '405'), (32935, 2830, 'inline_featured_image', '0'), (32936, 2830, 'longer-permalinks-post-name-longer', 'chto-takoe-toolbar-v-arbitrazhe'), (32937, 2830, '_thumbnail_id', '2831'), (32938, 2830, '_edit_last', '17'), (32939, 2830, 'ytrssenabled_meta_value', 'no'), (32940, 2830, 'ytremove_meta_value', 'no'), (32941, 2830, 'ytad1meta', 'enabled'), (32942, 2830, 'ytad2meta', 'enabled'), (32943, 2830, 'ytad3meta', 'enabled'), (32944, 2830, 'ytad4meta', 'enabled'), (32945, 2830, 'ytad5meta', 'enabled'), (32946, 2830, 'template_meta', 'no'), (32947, 2830, 'ytextendedhtmlmeta', 'default'), (32948, 2830, 'ytpostdatemeta', 'default'), (32949, 2830, '_yoast_wpseo_primary_category', '21'), (32950, 2830, '_yoast_wpseo_title', 'Что такое Toolbar в арбитраже'), (32951, 2830, '_yoast_wpseo_metadesc', 'В этой статье вы узнаете, что такое Toolbar и как он используется в арбитраже трафика. Мы расскажем вам все об этом рекламном инструменте: как и где его использовать, актуальны ли тулбары сейчас и приемлем ли Toolbar-трафик в партнерских программах.'), (32952, 2830, '_yoast_wpseo_content_score', '30'), (32953, 2830, '_yoast_wpseo_estimated-reading-time-minutes', '5'), (32954, 2830, 'post_count_2830', '481'), (32955, 2830, 'post_count_all', '321'), (32956, 2847, 'inline_featured_image', '0'), (32957, 2847, 'longer-permalinks-post-name-longer', 'vyplata-kazhduyu-nedelyu-v-hr-vertikali'), (32958, 2847, '_thumbnail_id', '2848'), (32959, 2847, '_edit_last', '13'), (32960, 2847, 'ytrssenabled_meta_value', 'no'), (32961, 2847, 'ytremove_meta_value', 'no'), (32962, 2847, 'ytad1meta', 'enabled'), (32963, 2847, 'ytad2meta', 'enabled'), (32964, 2847, 'ytad3meta', 'enabled'), (32965, 2847, 'ytad4meta', 'enabled'), (32966, 2847, 'ytad5meta', 'enabled'), (32967, 2847, 'template_meta', 'no'), (32968, 2847, 'ytextendedhtmlmeta', 'default'), (32969, 2847, 'ytpostdatemeta', 'default'), (32970, 2847, '_yoast_wpseo_primary_category', '21'), (32971, 2847, '_yoast_wpseo_focuskw', 'пампаду'), (32972, 2847, '_yoast_wpseo_title', '%%title%% %%page%%'), (32973, 2847, '_yoast_wpseo_metadesc', 'С 1 июня мы запускаем обновление по офферам'), (32974, 2847, '_yoast_wpseo_linkdex', '42'), (32975, 2847, '_yoast_wpseo_content_score', '90'), (32976, 2847, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (32977, 2847, 'post_count_2847', '159'), (32978, 2847, 'post_count_all', '108'), (32979, 2851, 'inline_featured_image', '0'), (32980, 2851, 'longer-permalinks-post-name-longer', 'lovi-moment-rozygrysha-i-poluchi-zaryad-solnechnogo-nastroeniya'), (32981, 2851, '_thumbnail_id', '2852'), (32982, 2851, '_edit_last', '13'), (32983, 2851, 'ytrssenabled_meta_value', 'no'), (32984, 2851, 'ytremove_meta_value', 'no'), (32985, 2851, 'ytad1meta', 'enabled'), (32986, 2851, 'ytad2meta', 'enabled'), (32987, 2851, 'ytad3meta', 'enabled'), (32988, 2851, 'ytad4meta', 'enabled'), (32989, 2851, 'ytad5meta', 'enabled'), (32990, 2851, 'template_meta', 'no'), (32991, 2851, 'ytextendedhtmlmeta', 'default'), (32992, 2851, 'ytpostdatemeta', 'default'), (32993, 2851, '_yoast_wpseo_primary_category', '21'), (32994, 2851, '_yoast_wpseo_focuskw', 'пампаду'), (32995, 2851, '_yoast_wpseo_title', '%%title%% %%page%%'), (32996, 2851, '_yoast_wpseo_metadesc', 'Начинаем марафон летних акций на Пампаду! Чем раньше вы начнете оформлять страховые продукты, тем выше шанс на получить вознаграждение и призы!'), (32997, 2851, '_yoast_wpseo_linkdex', '52'), (32998, 2851, '_yoast_wpseo_content_score', '90'), (32999, 2851, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33000, 2851, 'post_count_2851', '236'), (33001, 2851, 'post_count_all', '183'), (33002, 2856, 'inline_featured_image', '0'), (33003, 2856, 'longer-permalinks-post-name-longer', 'kreditnaya-karta-gazprombank-180-dnej-bez'), (33004, 2856, '_thumbnail_id', '2857'), (33005, 2856, '_edit_last', '13'), (33006, 2856, 'ytrssenabled_meta_value', 'no'), (33007, 2856, 'ytremove_meta_value', 'no'), (33008, 2856, 'ytad1meta', 'enabled'), (33009, 2856, 'ytad2meta', 'enabled'), (33010, 2856, 'ytad3meta', 'enabled'), (33011, 2856, 'ytad4meta', 'enabled'), (33012, 2856, 'ytad5meta', 'enabled'), (33013, 2856, 'template_meta', 'no'), (33014, 2856, 'ytextendedhtmlmeta', 'default'), (33015, 2856, 'ytpostdatemeta', 'default'), (33016, 2856, '_yoast_wpseo_primary_category', '21'), (33017, 2856, '_yoast_wpseo_focuskw', 'пампаду'), (33018, 2856, '_yoast_wpseo_title', '%%title%% %%page%%'), (33019, 2856, '_yoast_wpseo_metadesc', 'Выгодное предложение по Кредитной карте Газпромбанк -180 дней без % зарабатывайте 7 600 р. за каждую выданную карту!'), (33020, 2856, '_yoast_wpseo_linkdex', '35'), (33021, 2856, '_yoast_wpseo_content_score', '90'), (33022, 2856, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33023, 2856, 'post_count_2856', '161'), (33024, 2856, 'post_count_all', '121'), (33025, 2859, 'inline_featured_image', '0'), (33026, 2859, 'longer-permalinks-post-name-longer', 'itogi-maya-po-oflajn-produktam'), (33027, 2859, '_thumbnail_id', '2860'), (33028, 2859, '_edit_last', '13'), (33029, 2859, 'ytrssenabled_meta_value', 'no'), (33030, 2859, 'ytremove_meta_value', 'no'), (33031, 2859, 'ytad1meta', 'enabled'), (33032, 2859, 'ytad2meta', 'enabled'), (33033, 2859, 'ytad3meta', 'enabled'), (33034, 2859, 'ytad4meta', 'enabled'), (33035, 2859, 'ytad5meta', 'enabled'), (33036, 2859, 'template_meta', 'no'), (33037, 2859, 'ytextendedhtmlmeta', 'default'), (33038, 2859, 'ytpostdatemeta', 'default'), (33039, 2859, '_yoast_wpseo_primary_category', '21'), (33040, 2859, '_yoast_wpseo_focuskw', 'пампаду'), (33041, 2859, '_yoast_wpseo_title', '%%title%% %%page%%'), (33042, 2859, '_yoast_wpseo_metadesc', 'Подводим итоги мая по офлайн продуктам, несмотря на майские праздники наши агенты оставались активными!'), (33043, 2859, '_yoast_wpseo_linkdex', '35'), (33044, 2859, '_yoast_wpseo_content_score', '90'), (33045, 2859, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33046, 2859, 'post_count_2859', '228'), (33047, 2859, 'post_count_all', '176'), (33048, 2864, 'inline_featured_image', '0'), (33049, 2864, 'longer-permalinks-post-name-longer', 'bystrye-vyplaty-na-pampadu'), (33050, 2864, '_thumbnail_id', '2865'), (33051, 2864, '_edit_last', '13'), (33052, 2864, 'ytrssenabled_meta_value', 'no'), (33053, 2864, 'ytremove_meta_value', 'no'), (33054, 2864, 'ytad1meta', 'enabled'), (33055, 2864, 'ytad2meta', 'enabled'), (33056, 2864, 'ytad3meta', 'enabled'), (33057, 2864, 'ytad4meta', 'enabled'), (33058, 2864, 'ytad5meta', 'enabled'), (33059, 2864, 'template_meta', 'no'), (33060, 2864, 'ytextendedhtmlmeta', 'default'), (33061, 2864, 'ytpostdatemeta', 'default'), (33062, 2864, '_yoast_wpseo_primary_category', '21'), (33063, 2864, '_yoast_wpseo_focuskw', 'пампаду'), (33064, 2864, '_yoast_wpseo_title', '%%title%% %%page%%'), (33065, 2864, '_yoast_wpseo_metadesc', 'Выплаты не заставят вас ждать!'), (33066, 2864, '_yoast_wpseo_linkdex', '44'), (33067, 2864, '_yoast_wpseo_content_score', '90'), (33068, 2864, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33069, 2864, 'post_count_2864', '143'), (33070, 2864, 'post_count_all', '103'), (33071, 2869, 'inline_featured_image', '0'), (33072, 2869, 'longer-permalinks-post-name-longer', 'chto-takoe-kontekstnaya-reklama'), (33073, 2869, '_thumbnail_id', '2875'), (33074, 2869, '_edit_last', '17'), (33075, 2869, 'ytrssenabled_meta_value', 'no'), (33076, 2869, 'ytremove_meta_value', 'no'), (33077, 2869, 'ytad1meta', 'enabled'), (33078, 2869, 'ytad2meta', 'enabled'), (33079, 2869, 'ytad3meta', 'enabled'), (33080, 2869, 'ytad4meta', 'enabled'), (33081, 2869, 'ytad5meta', 'enabled'), (33082, 2869, 'template_meta', 'no'), (33083, 2869, 'ytextendedhtmlmeta', 'default'), (33084, 2869, 'ytpostdatemeta', 'default'), (33085, 2869, '_yoast_wpseo_primary_category', '21'), (33086, 2869, '_yoast_wpseo_title', 'Контекстная реклама: что это, как работает, особенности'), (33087, 2869, '_yoast_wpseo_metadesc', 'Контекстная реклама – это средство интернет-маркетинга. Он показывается только тем пользователям, которые интересуются конкретным товаром или услугой. Рассказываем о сути контекстной рекламы и о том, как использовать ее для заработка на партнерском сервисе Pampadu.'), (33088, 2869, '_yoast_wpseo_content_score', '30'), (33089, 2869, '_yoast_wpseo_estimated-reading-time-minutes', '6'), (33090, 2869, 'post_count_2869', '326'), (33091, 2869, 'post_count_all', '246'), (33092, 2877, 'inline_featured_image', '0'), (33093, 2877, 'longer-permalinks-post-name-longer', 'dorvei-chto-eto-takoe-v-arbitrazhe-trafika'), (33094, 2877, '_thumbnail_id', '2878'), (33095, 2877, '_edit_last', '17'), (33096, 2877, 'ytrssenabled_meta_value', 'no'), (33097, 2877, 'ytremove_meta_value', 'no'), (33098, 2877, 'ytad1meta', 'enabled'), (33099, 2877, 'ytad2meta', 'enabled'), (33100, 2877, 'ytad3meta', 'enabled'), (33101, 2877, 'ytad4meta', 'enabled'), (33102, 2877, 'ytad5meta', 'enabled'), (33103, 2877, 'template_meta', 'no'), (33104, 2877, 'ytextendedhtmlmeta', 'default'), (33105, 2877, 'ytpostdatemeta', 'default'), (33106, 2877, '_yoast_wpseo_primary_category', '21'), (33107, 2877, '_yoast_wpseo_title', 'Дорвеи: что это такое в арбитраже трафика'), (33108, 2877, '_yoast_wpseo_metadesc', 'Пик популярности дорвейных сайтов уже давно прошел, однако их по-прежнему используют для добычи трафика, заработка. Про дорвеи что это рассказано далее.'), (33109, 2877, '_yoast_wpseo_content_score', '60'), (33110, 2877, '_yoast_wpseo_estimated-reading-time-minutes', '7'), (33111, 2877, 'post_count_2877', '451'), (33112, 2877, 'post_count_all', '283'), (33113, 2881, 'inline_featured_image', '0'), (33114, 2881, 'longer-permalinks-post-name-longer', 'kak-rieltoru-napisat-effektivnoe-obyavlenie-o-prodazhe-kvartiry'), (33115, 2881, '_thumbnail_id', '2882'), (33116, 2881, '_edit_last', '17'), (33117, 2881, 'ytrssenabled_meta_value', 'no'), (33118, 2881, 'ytremove_meta_value', 'no'), (33119, 2881, 'ytad1meta', 'enabled'), (33120, 2881, 'ytad2meta', 'enabled'), (33121, 2881, 'ytad3meta', 'enabled'), (33122, 2881, 'ytad4meta', 'enabled'), (33123, 2881, 'ytad5meta', 'enabled'), (33124, 2881, 'template_meta', 'no'), (33125, 2881, 'ytextendedhtmlmeta', 'default'), (33126, 2881, 'ytpostdatemeta', 'default'), (33127, 2881, '_yoast_wpseo_primary_category', '21'), (33128, 2881, '_yoast_wpseo_title', 'Как риэлтору написать эффективное объявление о продаже квартиры'), (33129, 2881, '_yoast_wpseo_metadesc', 'В статье мы подробно расскажем вам о том, как написать объявление о продаже квартиры так, чтобы оно заинтересовало потенциального покупателя. Рассматриваем размещение и рекламу пошагово.'), (33130, 2881, '_yoast_wpseo_content_score', '30'), (33131, 2881, '_yoast_wpseo_estimated-reading-time-minutes', '7'), (33132, 2881, 'post_count_2881', '403'), (33133, 2881, 'post_count_all', '239'), (33134, 2884, 'inline_featured_image', '0'), (33135, 2884, 'longer-permalinks-post-name-longer', 'obyavlyaem-itogi-aktsii'), (33136, 2884, '_thumbnail_id', '2885'), (33137, 2884, '_edit_last', '13'), (33138, 2884, 'ytrssenabled_meta_value', 'no'), (33139, 2884, 'ytremove_meta_value', 'no'), (33140, 2884, 'ytad1meta', 'enabled'), (33141, 2884, 'ytad2meta', 'enabled'), (33142, 2884, 'ytad3meta', 'enabled'), (33143, 2884, 'ytad4meta', 'enabled'), (33144, 2884, 'ytad5meta', 'enabled'), (33145, 2884, 'template_meta', 'no'), (33146, 2884, 'ytextendedhtmlmeta', 'default'), (33147, 2884, 'ytpostdatemeta', 'default'), (33148, 2884, '_yoast_wpseo_primary_category', '21'), (33149, 2884, '_yoast_wpseo_focuskw', 'пампаду'), (33150, 2884, '_yoast_wpseo_title', '%%title%% %%page%%'), (33151, 2884, '_yoast_wpseo_metadesc', 'Итоги акции, узнайте выиграли ли вы денежное вознаграждение от Пампаду!'), (33152, 2884, '_yoast_wpseo_linkdex', '44'), (33153, 2884, '_yoast_wpseo_content_score', '90'), (33154, 2884, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33155, 2884, 'post_count_2884', '314'), (33156, 2884, 'pld_like_count', '1'), (33157, 2884, 'post_count_all', '260'), (33158, 2888, 'inline_featured_image', '0'), (33159, 2888, 'longer-permalinks-post-name-longer', 'trafik-na-hr-v-2023-godu'), (33160, 2888, '_thumbnail_id', '2889'), (33161, 2888, '_edit_last', '13'), (33162, 2888, 'ytrssenabled_meta_value', 'no'), (33163, 2888, 'ytremove_meta_value', 'no'), (33164, 2888, 'ytad1meta', 'enabled'), (33165, 2888, 'ytad2meta', 'enabled'), (33166, 2888, 'ytad3meta', 'enabled'), (33167, 2888, 'ytad4meta', 'enabled'), (33168, 2888, 'ytad5meta', 'enabled'), (33169, 2888, 'template_meta', 'no'), (33170, 2888, 'ytextendedhtmlmeta', 'default'), (33171, 2888, 'ytpostdatemeta', 'default'), (33172, 2888, '_yoast_wpseo_primary_category', '21'), (33173, 2888, '_yoast_wpseo_focuskw', 'пампаду'), (33174, 2888, '_yoast_wpseo_title', '%%title%% %%page%%'), (33175, 2888, '_yoast_wpseo_metadesc', 'Исследуйте HR-вертикаль с помощью новых инструментов продвижения, вместе с Пампаду!'), (33176, 2888, '_yoast_wpseo_linkdex', '42'), (33177, 2888, '_yoast_wpseo_content_score', '90'), (33178, 2888, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33179, 2888, 'post_count_2888', '372'), (33180, 2888, 'pld_like_count', '1'), (33181, 2888, 'post_count_all', '314'), (33182, 2891, 'inline_featured_image', '0'), (33183, 2891, 'longer-permalinks-post-name-longer', 'tizernye-seti-chto-eto-takoe-i-kak-s-nimi-rabotat'), (33184, 2891, '_thumbnail_id', '2896'), (33185, 2891, '_edit_last', '17'), (33186, 2891, 'ytrssenabled_meta_value', 'no'), (33187, 2891, 'ytremove_meta_value', 'no'), (33188, 2891, 'ytad1meta', 'enabled'), (33189, 2891, 'ytad2meta', 'enabled'), (33190, 2891, 'ytad3meta', 'enabled'), (33191, 2891, 'ytad4meta', 'enabled'), (33192, 2891, 'ytad5meta', 'enabled'), (33193, 2891, 'template_meta', 'no'), (33194, 2891, 'ytextendedhtmlmeta', 'default'), (33195, 2891, 'ytpostdatemeta', 'default'), (33196, 2891, '_yoast_wpseo_primary_category', '21'), (33197, 2891, '_yoast_wpseo_title', 'Тизерные сети: что это такое и как с ними работать'), (33198, 2891, '_yoast_wpseo_metadesc', 'Тизерные сети – это посредники между web-мастерами и арбитражниками. Подробнее о тизерных сетях и особенностях их выбора рассказано далее.'), (33199, 2891, '_yoast_wpseo_content_score', '30'), (33200, 2891, '_yoast_wpseo_estimated-reading-time-minutes', '8'), (33201, 2891, 'post_count_2891', '514'), (33202, 2891, 'post_count_all', '300'), (33203, 2899, 'inline_featured_image', '0'), (33204, 2899, 'longer-permalinks-post-name-longer', 'uchastvujte-v-aktsii-teploe-leto-na-pampadu'), (33205, 2899, '_thumbnail_id', '2900'), (33206, 2899, '_edit_last', '13'), (33207, 2899, 'ytrssenabled_meta_value', 'no'), (33208, 2899, 'ytremove_meta_value', 'no'), (33209, 2899, 'ytad1meta', 'enabled'), (33210, 2899, 'ytad2meta', 'enabled'), (33211, 2899, 'ytad3meta', 'enabled'), (33212, 2899, 'ytad4meta', 'enabled'), (33213, 2899, 'ytad5meta', 'enabled'), (33214, 2899, 'template_meta', 'no'), (33215, 2899, 'ytextendedhtmlmeta', 'default'), (33216, 2899, 'ytpostdatemeta', 'default'), (33217, 2899, '_yoast_wpseo_primary_category', '21'), (33218, 2899, '_yoast_wpseo_focuskw', 'пампаду'), (33219, 2899, '_yoast_wpseo_title', '%%title%% %%page%%'), (33220, 2899, '_yoast_wpseo_metadesc', 'Зарабатывай дополнительно на востребованном продукте и получай ценные призы от Пампаду!'), (33221, 2899, '_yoast_wpseo_linkdex', '51'), (33222, 2899, '_yoast_wpseo_content_score', '90'), (33223, 2899, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33224, 2899, 'post_count_2899', '216'), (33225, 2899, 'post_count_all', '163'), (33226, 2903, 'inline_featured_image', '0'), (33227, 2903, 'longer-permalinks-post-name-longer', 'prilozhenie-pampadu'), (33228, 2903, '_thumbnail_id', '2904'), (33229, 2903, '_edit_last', '13'), (33230, 2903, 'ytrssenabled_meta_value', 'no'), (33231, 2903, 'ytremove_meta_value', 'no'), (33232, 2903, 'ytad1meta', 'enabled'), (33233, 2903, 'ytad2meta', 'enabled'), (33234, 2903, 'ytad3meta', 'enabled'), (33235, 2903, 'ytad4meta', 'enabled'), (33236, 2903, 'ytad5meta', 'enabled'), (33237, 2903, 'template_meta', 'no'), (33238, 2903, 'ytextendedhtmlmeta', 'default'), (33239, 2903, 'ytpostdatemeta', 'default'), (33240, 2903, '_yoast_wpseo_primary_category', '1'), (33241, 2903, '_yoast_wpseo_focuskw', 'пампаду'), (33242, 2903, '_yoast_wpseo_title', '%%title%% %%page%%'), (33243, 2903, '_yoast_wpseo_metadesc', 'Запустили приложение Пампаду, которое включает весь функционал платформы!'), (33244, 2903, '_yoast_wpseo_linkdex', '54'), (33245, 2903, '_yoast_wpseo_content_score', '90'), (33246, 2903, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33247, 2903, 'post_count_2903', '175'), (33248, 2903, 'post_count_all', '115'), (33249, 2907, 'inline_featured_image', '0'), (33250, 2907, 'longer-permalinks-post-name-longer', 'leto-eto-vremya-zarabatyvat-dengi-i-prinimat-uchastie-v-aktsii-pampadu'), (33251, 2907, '_thumbnail_id', '2908'), (33252, 2907, '_edit_last', '13'), (33253, 2907, 'ytrssenabled_meta_value', 'no'), (33254, 2907, 'ytremove_meta_value', 'no'), (33255, 2907, 'ytad1meta', 'enabled'), (33256, 2907, 'ytad2meta', 'enabled'), (33257, 2907, 'ytad3meta', 'enabled'), (33258, 2907, 'ytad4meta', 'enabled'), (33259, 2907, 'ytad5meta', 'enabled'), (33260, 2907, 'template_meta', 'no'), (33261, 2907, 'ytextendedhtmlmeta', 'default'), (33262, 2907, 'ytpostdatemeta', 'default'), (33263, 2907, '_yoast_wpseo_primary_category', '21'), (33264, 2907, '_yoast_wpseo_focuskw', 'пампаду'), (33265, 2907, '_yoast_wpseo_title', '%%title%% %%page%%'), (33266, 2907, '_yoast_wpseo_metadesc', 'Акция которая принесет тебе возможность заработать на оформлении полисов ОСАГО!'), (33267, 2907, '_yoast_wpseo_linkdex', '40'), (33268, 2907, '_yoast_wpseo_content_score', '90'), (33269, 2907, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33270, 2907, 'post_count_2907', '186'), (33271, 2907, 'post_count_all', '140'); INSERT INTO `wp_postmeta` (`meta_id`, `post_id`, `meta_key`, `meta_value`) VALUES (33272, 2911, 'inline_featured_image', '0'), (33273, 2911, 'longer-permalinks-post-name-longer', 'chto-takoe-api-trafik-prostymi-slovami-i-kak-on-rabotaet'), (33274, 2911, '_edit_last', '17'), (33275, 2911, 'ytrssenabled_meta_value', 'no'), (33276, 2911, 'ytremove_meta_value', 'no'), (33277, 2911, 'ytad1meta', 'enabled'), (33278, 2911, 'ytad2meta', 'enabled'), (33279, 2911, 'ytad3meta', 'enabled'), (33280, 2911, 'ytad4meta', 'enabled'), (33281, 2911, 'ytad5meta', 'enabled'), (33282, 2911, 'template_meta', 'no'), (33283, 2911, 'ytextendedhtmlmeta', 'default'), (33284, 2911, 'ytpostdatemeta', 'default'), (33285, 2911, '_yoast_wpseo_primary_category', '21'), (33286, 2911, '_yoast_wpseo_title', 'Что такое API-трафик простыми словами и как он работает'), (33287, 2911, '_yoast_wpseo_metadesc', 'Вебмастера привыкли лить прямой трафик на трекинговую ссылку. 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В статье рассмотрены различные методы монетизации, а также рассмотрены ключевые факторы, влияющие на ее результативность.'), (33310, 2915, '_yoast_wpseo_content_score', '30'), (33311, 2915, '_yoast_wpseo_estimated-reading-time-minutes', '8'), (33312, 2915, 'post_count_2915', '2072'), (33313, 2915, 'pld_like_count', '1'), (33314, 2915, 'post_count_all', '1246'), (33315, 2918, 'inline_featured_image', '0'), (33316, 2918, 'longer-permalinks-post-name-longer', 'uluchshenie-ipotechnogo-strahovaniya'), (33317, 2918, '_thumbnail_id', '2919'), (33318, 2918, '_edit_last', '13'), (33319, 2918, 'ytrssenabled_meta_value', 'no'), (33320, 2918, 'ytremove_meta_value', 'no'), (33321, 2918, 'ytad1meta', 'enabled'), (33322, 2918, 'ytad2meta', 'enabled'), (33323, 2918, 'ytad3meta', 'enabled'), (33324, 2918, 'ytad4meta', 'enabled'), (33325, 2918, 'ytad5meta', 'enabled'), (33326, 2918, 'template_meta', 'no'), (33327, 2918, 'ytextendedhtmlmeta', 'default'), (33328, 2918, 'ytpostdatemeta', 'default'), (33329, 2918, '_yoast_wpseo_primary_category', '21'), (33330, 2918, '_yoast_wpseo_focuskw', 'пампаду'), (33331, 2918, '_yoast_wpseo_title', '%%title%% %%page%%'), (33332, 2918, '_yoast_wpseo_metadesc', 'Сервис страхования Ипотеки стал еще удобнее!'), (33333, 2918, '_yoast_wpseo_linkdex', '42'), (33334, 2918, '_yoast_wpseo_content_score', '90'), (33335, 2918, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33336, 2918, 'post_count_2918', '196'), (33337, 2918, 'post_count_all', '130'), (33338, 2922, 'inline_featured_image', '0'), (33339, 2922, 'longer-permalinks-post-name-longer', 'antifrod-chto-eto-takie-i-kak-rabotaet'), (33340, 2922, '_thumbnail_id', '2923'), (33341, 2922, '_edit_last', '17'), (33342, 2922, 'ytrssenabled_meta_value', 'no'), (33343, 2922, 'ytremove_meta_value', 'no'), (33344, 2922, 'ytad1meta', 'enabled'), (33345, 2922, 'ytad2meta', 'enabled'), (33346, 2922, 'ytad3meta', 'enabled'), (33347, 2922, 'ytad4meta', 'enabled'), (33348, 2922, 'ytad5meta', 'enabled'), (33349, 2922, 'template_meta', 'no'), (33350, 2922, 'ytextendedhtmlmeta', 'default'), (33351, 2922, 'ytpostdatemeta', 'default'), (33352, 2922, '_yoast_wpseo_primary_category', '21'), (33353, 2922, '_yoast_wpseo_title', 'Антифрод: что это такие и как работает'), (33354, 2922, '_yoast_wpseo_metadesc', 'Антифрод – это совокупность технологий и процедур для защиты от мошеннических действий. Статья рассказывает о мероприятиях для предотвращения мошенничества в партнерских программах и сервисах.'), (33355, 2922, '_yoast_wpseo_content_score', '30'), (33356, 2922, '_yoast_wpseo_estimated-reading-time-minutes', '8'), (33357, 2922, 'post_count_2922', '381'), (33358, 2922, 'post_count_all', '233'), (33359, 2928, 'inline_featured_image', '0'), (33360, 2928, 'longer-permalinks-post-name-longer', 'faktcheking-v-arbitrazhe-chto-eto-i-kak-rabotaet'), (33361, 2928, '_thumbnail_id', '2929'), (33362, 2928, '_edit_last', '17'), (33363, 2928, 'ytrssenabled_meta_value', 'no'), (33364, 2928, 'ytremove_meta_value', 'no'), (33365, 2928, 'ytad1meta', 'enabled'), (33366, 2928, 'ytad2meta', 'enabled'), (33367, 2928, 'ytad3meta', 'enabled'), (33368, 2928, 'ytad4meta', 'enabled'), (33369, 2928, 'ytad5meta', 'enabled'), (33370, 2928, 'template_meta', 'no'), (33371, 2928, 'ytextendedhtmlmeta', 'default'), (33372, 2928, 'ytpostdatemeta', 'default'), (33373, 2928, '_yoast_wpseo_primary_category', '21'), (33374, 2928, '_yoast_wpseo_title', 'Фактчекинг в арбитраже: что это и как работает'), (33375, 2928, '_yoast_wpseo_metadesc', 'Что такое фактчекинг и почему он необходим? В каких областях применяется этот способ проверки достоверности информации? 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В чем особенность функционала и для чего постбэк необходим арбитражнику, работающему в партнерских программах?'), (33397, 2931, '_yoast_wpseo_content_score', '60'), (33398, 2931, '_yoast_wpseo_estimated-reading-time-minutes', '4'), (33399, 2931, 'post_count_2931', '565'), (33400, 2931, 'post_count_all', '405'), (33401, 2935, 'inline_featured_image', '0'), (33402, 2935, 'longer-permalinks-post-name-longer', 'targetirovannaya-reklama-v-arbitrazhe-chto-eto-i-kak-rabotaet'), (33403, 2935, '_edit_last', '17'), (33404, 2935, 'ytrssenabled_meta_value', 'no'), (33405, 2935, 'ytremove_meta_value', 'no'), (33406, 2935, 'ytad1meta', 'enabled'), (33407, 2935, 'ytad2meta', 'enabled'), (33408, 2935, 'ytad3meta', 'enabled'), (33409, 2935, 'ytad4meta', 'enabled'), (33410, 2935, 'ytad5meta', 'enabled'), (33411, 2935, 'template_meta', 'no'), (33412, 2935, 'ytextendedhtmlmeta', 'default'), (33413, 2935, 'ytpostdatemeta', 'default'), (33414, 2935, '_yoast_wpseo_primary_category', '21'), (33415, 2935, '_yoast_wpseo_title', 'Таргетированная реклама в арбитраже: что это и как работает'), (33416, 2935, '_yoast_wpseo_metadesc', 'Что такое таргетинг? Как использовать этот инструмент при разработке рекламной кампании? Разбираемся в механизме работы таргет-рекламы.'), (33417, 2935, '_yoast_wpseo_content_score', '60'), (33418, 2935, '_yoast_wpseo_estimated-reading-time-minutes', '7'), (33419, 2935, '_thumbnail_id', '2945'), (33420, 2935, 'post_count_2935', '994'), (33421, 2935, 'pld_like_count', '1'), (33422, 2935, 'post_count_all', '880'), (33423, 2937, 'inline_featured_image', '0'), (33424, 2937, 'longer-permalinks-post-name-longer', 'vazhnaya-informatsiya-pro-vyplaty-i-teh-podderzhku-v-prazdnichnyj-den'), (33425, 2937, '_thumbnail_id', '2938'), (33426, 2937, '_edit_last', '13'), (33427, 2937, 'ytrssenabled_meta_value', 'no'), (33428, 2937, 'ytremove_meta_value', 'no'), (33429, 2937, 'ytad1meta', 'enabled'), (33430, 2937, 'ytad2meta', 'enabled'), (33431, 2937, 'ytad3meta', 'enabled'), (33432, 2937, 'ytad4meta', 'enabled'), (33433, 2937, 'ytad5meta', 'enabled'), (33434, 2937, 'template_meta', 'no'), (33435, 2937, 'ytextendedhtmlmeta', 'default'), (33436, 2937, 'ytpostdatemeta', 'default'), (33437, 2937, '_yoast_wpseo_primary_category', '21'), (33438, 2937, '_yoast_wpseo_focuskw', 'пампаду'), (33439, 2937, '_yoast_wpseo_title', '%%title%% %%page%%'), (33440, 2937, '_yoast_wpseo_metadesc', 'Работа Пампаду в праздничный день.'), (33441, 2937, '_yoast_wpseo_linkdex', '33'), (33442, 2937, '_yoast_wpseo_content_score', '90'), (33443, 2937, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33444, 2937, 'post_count_2937', '172'), (33445, 2937, 'post_count_all', '131'), (33446, 2942, 'inline_featured_image', '0'), (33447, 2942, 'longer-permalinks-post-name-longer', 'pozdravlyaem-s-dnem-rossii'), (33448, 2942, '_thumbnail_id', '2943'), (33449, 2942, '_edit_last', '13'), (33450, 2942, 'ytrssenabled_meta_value', 'no'), (33451, 2942, 'ytremove_meta_value', 'no'), (33452, 2942, 'ytad1meta', 'enabled'), (33453, 2942, 'ytad2meta', 'enabled'), (33454, 2942, 'ytad3meta', 'enabled'), (33455, 2942, 'ytad4meta', 'enabled'), (33456, 2942, 'ytad5meta', 'enabled'), (33457, 2942, 'template_meta', 'no'), (33458, 2942, 'ytextendedhtmlmeta', 'default'), (33459, 2942, 'ytpostdatemeta', 'default'), (33460, 2942, '_yoast_wpseo_primary_category', '21'), (33461, 2942, '_yoast_wpseo_focuskw', 'пампаду'), (33462, 2942, '_yoast_wpseo_title', '%%title%% %%page%%'), (33463, 2942, '_yoast_wpseo_metadesc', 'Поздравляем вас с 12 июня. С днем России!'), (33464, 2942, '_yoast_wpseo_linkdex', '31'), (33465, 2942, '_yoast_wpseo_content_score', '90'), (33466, 2942, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33467, 2942, 'post_count_2942', '190'), (33468, 2942, 'pld_like_count', '1'), (33469, 2942, 'post_count_all', '142'), (33470, 2946, 'inline_featured_image', '0'), (33471, 2946, 'longer-permalinks-post-name-longer', 'obnovlenie-referalnoj-programmy-na-pampadu'), (33472, 2946, '_thumbnail_id', '2947'), (33473, 2946, '_edit_last', '13'), (33474, 2946, 'ytrssenabled_meta_value', 'no'), (33475, 2946, 'ytremove_meta_value', 'no'), (33476, 2946, 'ytad1meta', 'enabled'), (33477, 2946, 'ytad2meta', 'enabled'), (33478, 2946, 'ytad3meta', 'enabled'), (33479, 2946, 'ytad4meta', 'enabled'), (33480, 2946, 'ytad5meta', 'enabled'), (33481, 2946, 'template_meta', 'no'), (33482, 2946, 'ytextendedhtmlmeta', 'default'), (33483, 2946, 'ytpostdatemeta', 'default'), (33484, 2946, '_yoast_wpseo_primary_category', '21'), (33485, 2946, '_yoast_wpseo_focuskw', 'пампаду'), (33486, 2946, '_yoast_wpseo_title', '%%title%% %%page%%'), (33487, 2946, '_yoast_wpseo_metadesc', 'Совсем скоро!'), (33488, 2946, '_yoast_wpseo_linkdex', '40'), (33489, 2946, '_yoast_wpseo_content_score', '90'), (33490, 2946, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33491, 2946, 'post_count_2946', '216'), (33492, 2946, 'pld_dislike_count', '1'), (33493, 2946, 'pld_like_count', '1'), (33494, 2946, 'post_count_all', '172'), (33495, 2949, 'inline_featured_image', '0'), (33496, 2949, 'longer-permalinks-post-name-longer', 'blog-pampadu'), (33497, 2949, '_thumbnail_id', '2950'), (33498, 2949, 'post_count_2949', '252'), (33499, 2949, '_edit_last', '13'), (33500, 2949, 'ytrssenabled_meta_value', 'no'), (33501, 2949, 'ytremove_meta_value', 'no'), (33502, 2949, 'ytad1meta', 'enabled'), (33503, 2949, 'ytad2meta', 'enabled'), (33504, 2949, 'ytad3meta', 'enabled'), (33505, 2949, 'ytad4meta', 'enabled'), (33506, 2949, 'ytad5meta', 'enabled'), (33507, 2949, 'template_meta', 'no'), (33508, 2949, 'ytextendedhtmlmeta', 'default'), (33509, 2949, 'ytpostdatemeta', 'default'), (33510, 2949, '_yoast_wpseo_primary_category', '21'), (33511, 2949, '_yoast_wpseo_focuskw', 'пампаду'), (33512, 2949, '_yoast_wpseo_metadesc', 'Подробные статьи о том, как заработать на Пампаду, где находить клиентов, а также способы продвижения агентов, партнерские программы и многое другое вы можете найти в блоге, который мы постоянно развиваем!'), (33513, 2949, '_yoast_wpseo_linkdex', '56'), (33514, 2949, '_yoast_wpseo_content_score', '90'), (33515, 2949, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33516, 2949, 'post_count_all', '199'), (33517, 2954, 'inline_featured_image', '0'), (33518, 2954, 'longer-permalinks-post-name-longer', 'kejsy-po-kasko-v-mae'), (33519, 2954, '_thumbnail_id', '2955'), (33520, 2954, '_edit_last', '13'), (33521, 2954, 'ytrssenabled_meta_value', 'no'), (33522, 2954, 'ytremove_meta_value', 'no'), (33523, 2954, 'ytad1meta', 'enabled'), (33524, 2954, 'ytad2meta', 'enabled'), (33525, 2954, 'ytad3meta', 'enabled'), (33526, 2954, 'ytad4meta', 'enabled'), (33527, 2954, 'ytad5meta', 'enabled'), (33528, 2954, 'template_meta', 'no'), (33529, 2954, 'ytextendedhtmlmeta', 'default'), (33530, 2954, 'ytpostdatemeta', 'default'), (33531, 2954, '_yoast_wpseo_primary_category', '21'), (33532, 2954, '_yoast_wpseo_focuskw', 'пампаду'), (33533, 2954, '_yoast_wpseo_title', '%%title%% %%page%%'), (33534, 2954, '_yoast_wpseo_metadesc', 'Делимся кейсами продаж КАСКО за май'), (33535, 2954, '_yoast_wpseo_linkdex', '35'), (33536, 2954, '_yoast_wpseo_content_score', '90'), (33537, 2954, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33538, 2954, 'post_count_2954', '191'), (33539, 2954, 'post_count_all', '120'), (33540, 2958, 'inline_featured_image', '0'), (33541, 2958, 'longer-permalinks-post-name-longer', 'segmenty-rynka-nedvizhimosti-chto-eto-i-chto-nuzhno-znat-rieltoru'), (33542, 2958, '_thumbnail_id', '2959'), (33543, 2958, '_edit_last', '17'), (33544, 2958, 'ytrssenabled_meta_value', 'no'), (33545, 2958, 'ytremove_meta_value', 'no'), (33546, 2958, 'ytad1meta', 'enabled'), (33547, 2958, 'ytad2meta', 'enabled'), (33548, 2958, 'ytad3meta', 'enabled'), (33549, 2958, 'ytad4meta', 'enabled'), (33550, 2958, 'ytad5meta', 'enabled'), (33551, 2958, 'template_meta', 'no'), (33552, 2958, 'ytextendedhtmlmeta', 'default'), (33553, 2958, 'ytpostdatemeta', 'default'), (33554, 2958, '_yoast_wpseo_primary_category', '21'), (33555, 2958, '_yoast_wpseo_title', 'Сегменты рынка недвижимости: что это и что нужно знать риэлтору'), (33556, 2958, '_yoast_wpseo_metadesc', 'Расскажем, какие бывают сегменты рынка недвижимости. Рассмотрим сегментацию по расположению, давности постройки, категории жилья и его площади.'), (33557, 2958, '_yoast_wpseo_content_score', '60'), (33558, 2958, '_yoast_wpseo_estimated-reading-time-minutes', '8'), (33559, 2958, 'post_count_2958', '602'), (33560, 2958, 'post_count_all', '337'), (33561, 2961, 'inline_featured_image', '0'), (33562, 2961, 'longer-permalinks-post-name-longer', 'cheki-vsegda-pod-rukoj'), (33563, 2961, '_thumbnail_id', '2962'), (33564, 2961, '_edit_last', '13'), (33565, 2961, 'ytrssenabled_meta_value', 'no'), (33566, 2961, 'ytremove_meta_value', 'no'), (33567, 2961, 'ytad1meta', 'enabled'), (33568, 2961, 'ytad2meta', 'enabled'), (33569, 2961, 'ytad3meta', 'enabled'), (33570, 2961, 'ytad4meta', 'enabled'), (33571, 2961, 'ytad5meta', 'enabled'), (33572, 2961, 'template_meta', 'no'), (33573, 2961, 'ytextendedhtmlmeta', 'default'), (33574, 2961, 'ytpostdatemeta', 'default'), (33575, 2961, '_yoast_wpseo_primary_category', '21'), (33576, 2961, '_yoast_wpseo_focuskw', 'пампаду'), (33577, 2961, '_yoast_wpseo_title', '%%title%% %%page%%'), (33578, 2961, '_yoast_wpseo_metadesc', 'Теперь у вас есть возможность получать чеки об оплате страхового полиса по некоторым СК'), (33579, 2961, '_yoast_wpseo_linkdex', '31'), (33580, 2961, '_yoast_wpseo_content_score', '90'), (33581, 2961, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33582, 2961, 'post_count_2961', '140'), (33583, 2961, 'post_count_all', '90'), (33584, 2966, 'inline_featured_image', '0'), (33585, 2966, 'longer-permalinks-post-name-longer', 'rabota-rieltorom-v-agentstve-nedvizhimosti-plyusy-ili-minusy'), (33586, 2966, '_thumbnail_id', '2967'), (33587, 2966, '_edit_last', '17'), (33588, 2966, 'ytrssenabled_meta_value', 'no'), (33589, 2966, 'ytremove_meta_value', 'no'), (33590, 2966, 'ytad1meta', 'enabled'), (33591, 2966, 'ytad2meta', 'enabled'), (33592, 2966, 'ytad3meta', 'enabled'), (33593, 2966, 'ytad4meta', 'enabled'), (33594, 2966, 'ytad5meta', 'enabled'), (33595, 2966, 'template_meta', 'no'), (33596, 2966, 'ytextendedhtmlmeta', 'default'), (33597, 2966, 'ytpostdatemeta', 'default'), (33598, 2966, '_yoast_wpseo_primary_category', '21'), (33599, 2966, '_yoast_wpseo_title', 'Работа риэлтором в агентстве недвижимости: плюсы или минусы'), (33600, 2966, '_yoast_wpseo_metadesc', 'Хотите устроиться в риелторскую контору, но сомневаетесь? Расскажем про легкий старт в профессии. Вы узнаете, какие плюсы и минусы имеет работа риелтором в агентстве недвижимости.'), (33601, 2966, '_yoast_wpseo_content_score', '60'), (33602, 2966, '_yoast_wpseo_estimated-reading-time-minutes', '5'), (33603, 2966, 'post_count_2966', '606'), (33604, 2966, 'post_count_all', '278'), (33605, 2969, 'inline_featured_image', '0'), (33606, 2969, 'longer-permalinks-post-name-longer', 'organizatsionnaya-struktura-agentstva-nedvizhimosti'), (33607, 2969, '_thumbnail_id', '2970'), (33608, 2969, '_edit_last', '17'), (33609, 2969, 'ytrssenabled_meta_value', 'no'), (33610, 2969, 'ytremove_meta_value', 'no'), (33611, 2969, 'ytad1meta', 'enabled'), (33612, 2969, 'ytad2meta', 'enabled'), (33613, 2969, 'ytad3meta', 'enabled'), (33614, 2969, 'ytad4meta', 'enabled'), (33615, 2969, 'ytad5meta', 'enabled'), (33616, 2969, 'template_meta', 'no'), (33617, 2969, 'ytextendedhtmlmeta', 'default'), (33618, 2969, 'ytpostdatemeta', 'default'), (33619, 2969, '_yoast_wpseo_primary_category', '21'), (33620, 2969, '_yoast_wpseo_title', 'Организационная структура агентства недвижимости'), (33621, 2969, '_yoast_wpseo_metadesc', 'В статье подробно расскажем о том, что собой представляет структура агентства недвижимости. Рассматриваем создание риелторской компании пошагово – от регистрации до грамотного подбора персонала.'), (33622, 2969, '_yoast_wpseo_content_score', '60'), (33623, 2969, '_yoast_wpseo_estimated-reading-time-minutes', '6'), (33624, 2969, 'post_count_2969', '495'), (33625, 2969, 'post_count_all', '280'), (33626, 2972, 'inline_featured_image', '0'), (33627, 2972, 'longer-permalinks-post-name-longer', 'kak-rabotayut-rieltory-po-nedvizhimosti'), (33628, 2972, '_thumbnail_id', '2973'), (33629, 2972, '_edit_last', '17'), (33630, 2972, 'ytrssenabled_meta_value', 'no'), (33631, 2972, 'ytremove_meta_value', 'no'), (33632, 2972, 'ytad1meta', 'enabled'), (33633, 2972, 'ytad2meta', 'enabled'), (33634, 2972, 'ytad3meta', 'enabled'), (33635, 2972, 'ytad4meta', 'enabled'), (33636, 2972, 'ytad5meta', 'enabled'), (33637, 2972, 'template_meta', 'no'), (33638, 2972, 'ytextendedhtmlmeta', 'default'), (33639, 2972, 'ytpostdatemeta', 'default'), (33640, 2972, '_yoast_wpseo_primary_category', '21'), (33641, 2972, '_yoast_wpseo_title', 'Как работают риэлторы по недвижимости: с чего начать новичку, что нужно чтобы стать риэлтором и что нужно для работы риэлтором'), (33642, 2972, '_yoast_wpseo_metadesc', 'Решили попробовать себя в качестве риелтора, но не знаете о рисках этой профессии? Расскажем, как начать зарабатывать новичку. Из статьи вы узнаете, как работают риелторы и что входит в их обязанности.'), (33643, 2972, '_yoast_wpseo_content_score', '60'), (33644, 2972, '_yoast_wpseo_estimated-reading-time-minutes', '6'), (33645, 2972, 'post_count_2972', '324'), (33646, 2972, 'post_count_all', '163'), (33647, 2975, 'inline_featured_image', '0'), (33648, 2975, 'longer-permalinks-post-name-longer', 'kak-rieltoru-najti-klientov-prakticheskie-sovety-instrumenty-i-metody-poiska'), (33649, 2975, '_thumbnail_id', '2976'), (33650, 2975, '_edit_last', '17'), (33651, 2975, 'ytrssenabled_meta_value', 'no'), (33652, 2975, 'ytremove_meta_value', 'no'), (33653, 2975, 'ytad1meta', 'enabled'), (33654, 2975, 'ytad2meta', 'enabled'), (33655, 2975, 'ytad3meta', 'enabled'), (33656, 2975, 'ytad4meta', 'enabled'), (33657, 2975, 'ytad5meta', 'enabled'), (33658, 2975, 'template_meta', 'no'), (33659, 2975, 'ytextendedhtmlmeta', 'default'), (33660, 2975, 'ytpostdatemeta', 'default'), (33661, 2975, '_yoast_wpseo_primary_category', '21'), (33662, 2975, '_yoast_wpseo_title', 'Как риэлтору найти клиентов: практические советы, инструменты и методы поиска'), (33663, 2975, '_yoast_wpseo_metadesc', 'Расскажем вам о том, как риелтору найти клиентов. Рассматриваем поиск клиентов офлайн и онлайн. Поможем начинающим агентам по недвижимости найти первых клиентов, опытным – расширить свою базу.'), (33664, 2975, '_yoast_wpseo_content_score', '30'), (33665, 2975, '_yoast_wpseo_estimated-reading-time-minutes', '6'), (33666, 2975, 'post_count_2975', '1353'), (33667, 2975, 'post_count_all', '529'), (33668, 2980, 'inline_featured_image', '0'), (33669, 2980, 'longer-permalinks-post-name-longer', 'obnovlenie-finansovoj-i-hr-vertikali'), (33670, 2980, '_thumbnail_id', '2981'), (33671, 2980, '_edit_last', '13'), (33672, 2980, 'ytrssenabled_meta_value', 'no'), (33673, 2980, 'ytremove_meta_value', 'no'), (33674, 2980, 'ytad1meta', 'enabled'), (33675, 2980, 'ytad2meta', 'enabled'), (33676, 2980, 'ytad3meta', 'enabled'), (33677, 2980, 'ytad4meta', 'enabled'), (33678, 2980, 'ytad5meta', 'enabled'), (33679, 2980, 'template_meta', 'no'), (33680, 2980, 'ytextendedhtmlmeta', 'default'), (33681, 2980, 'ytpostdatemeta', 'default'), (33682, 2980, '_yoast_wpseo_primary_category', '21'), (33683, 2980, '_yoast_wpseo_focuskw', 'пампаду'), (33684, 2980, '_yoast_wpseo_title', '%%title%% %%page%%'), (33685, 2980, '_yoast_wpseo_metadesc', 'Мы запустили собственную трекинговую систему, которая открывает большие возможности для наших пользователей и их заработка!'), (33686, 2980, '_yoast_wpseo_linkdex', '41'), (33687, 2980, '_yoast_wpseo_content_score', '60'), (33688, 2980, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33689, 2980, 'post_count_2980', '173'), (33690, 2980, 'post_count_all', '120'), (33691, 2985, 'inline_featured_image', '0'), (33692, 2985, 'longer-permalinks-post-name-longer', 'tsifry-maya-po-bankovskim-produktam'), (33693, 2985, '_thumbnail_id', '2986'), (33694, 2985, '_edit_last', '13'), (33695, 2985, 'ytrssenabled_meta_value', 'no'), (33696, 2985, 'ytremove_meta_value', 'no'), (33697, 2985, 'ytad1meta', 'enabled'), (33698, 2985, 'ytad2meta', 'enabled'), (33699, 2985, 'ytad3meta', 'enabled'), (33700, 2985, 'ytad4meta', 'enabled'), (33701, 2985, 'ytad5meta', 'enabled'), (33702, 2985, 'template_meta', 'no'), (33703, 2985, 'ytextendedhtmlmeta', 'default'), (33704, 2985, 'ytpostdatemeta', 'default'), (33705, 2985, '_yoast_wpseo_primary_category', '21'), (33706, 2985, '_yoast_wpseo_focuskw', 'пампаду'), (33707, 2985, '_yoast_wpseo_metadesc', 'Делимся цифрами мая по банковским продуктам на Пампаду.'), (33708, 2985, '_yoast_wpseo_linkdex', '44'), (33709, 2985, '_yoast_wpseo_content_score', '90'), (33710, 2985, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33711, 2985, 'post_count_2985', '227'), (33712, 2985, 'post_count_all', '181'), (33713, 2988, 'inline_featured_image', '0'), (33714, 2988, 'longer-permalinks-post-name-longer', 'obnovlenie-referalnoj-programmy-sovetuj-pampadu-i-poluchaj-trojnuyu-vygodu'), (33715, 2988, '_thumbnail_id', '2990'), (33716, 2988, '_edit_last', '13'), (33717, 2988, 'ytrssenabled_meta_value', 'no'), (33718, 2988, 'ytremove_meta_value', 'no'), (33719, 2988, 'ytad1meta', 'enabled'), (33720, 2988, 'ytad2meta', 'enabled'), (33721, 2988, 'ytad3meta', 'enabled'), (33722, 2988, 'ytad4meta', 'enabled'), (33723, 2988, 'ytad5meta', 'enabled'), (33724, 2988, 'template_meta', 'no'), (33725, 2988, 'ytextendedhtmlmeta', 'default'), (33726, 2988, 'ytpostdatemeta', 'default'), (33727, 2988, '_yoast_wpseo_primary_category', '21'), (33728, 2988, '_yoast_wpseo_focuskw', 'пампаду'), (33729, 2988, '_yoast_wpseo_metadesc', 'Приглашайте пользователей на Пампаду и получайте пассивный заработок с их продаж.'), (33730, 2988, '_yoast_wpseo_linkdex', '67'), (33731, 2988, '_yoast_wpseo_content_score', '30'), (33732, 2988, '_yoast_wpseo_estimated-reading-time-minutes', '2'), (33733, 2988, 'post_count_2988', '4169'), (33734, 2988, 'pld_dislike_count', '5'), (33735, 2988, 'pld_like_count', '1'), (33736, 2988, 'post_count_all', '2554'), (33737, 2998, 'inline_featured_image', '0'), (33738, 2998, 'longer-permalinks-post-name-longer', 'partnerskaya-programma-gazprombanka'), (33739, 2998, '_thumbnail_id', '2999'), (33740, 2998, '_edit_last', '17'), (33741, 2998, 'ytrssenabled_meta_value', 'no'), (33742, 2998, 'ytremove_meta_value', 'no'), (33743, 2998, 'ytad1meta', 'enabled'), (33744, 2998, 'ytad2meta', 'enabled'), (33745, 2998, 'ytad3meta', 'enabled'), (33746, 2998, 'ytad4meta', 'enabled'), (33747, 2998, 'ytad5meta', 'enabled'), (33748, 2998, 'template_meta', 'no'), (33749, 2998, 'ytextendedhtmlmeta', 'default'), (33750, 2998, 'ytpostdatemeta', 'default'), (33751, 2998, '_yoast_wpseo_primary_category', '1'), (33752, 2998, '_yoast_wpseo_title', 'Партнерская программа Газпромбанка: как подключиться, какие офферы и сколько можно заработать'), (33753, 2998, '_yoast_wpseo_metadesc', 'На платформе Pampadu агентам обеспечивается много возможностей для заработка. Один из неплохих вариантов – созданная Газпромбанк партнерская программа.'), (33754, 2998, '_yoast_wpseo_content_score', '30'), (33755, 2998, '_yoast_wpseo_estimated-reading-time-minutes', '5'), (33756, 2998, 'post_count_2998', '323'), (33757, 2998, 'post_count_all', '199'), (33758, 3003, 'inline_featured_image', '0'), (33759, 3003, 'longer-permalinks-post-name-longer', 'partnerskaya-programma-aziatsko-tihookeanskogo-banka'), (33760, 3003, '_thumbnail_id', '3004'), (33761, 3003, '_edit_last', '17'), (33762, 3003, 'ytrssenabled_meta_value', 'no'), (33763, 3003, 'ytremove_meta_value', 'no'), (33764, 3003, 'ytad1meta', 'enabled'), (33765, 3003, 'ytad2meta', 'enabled'), (33766, 3003, 'ytad3meta', 'enabled'), (33767, 3003, 'ytad4meta', 'enabled'), (33768, 3003, 'ytad5meta', 'enabled'), (33769, 3003, 'template_meta', 'no'), (33770, 3003, 'ytextendedhtmlmeta', 'default'), (33771, 3003, 'ytpostdatemeta', 'default'), (33772, 3003, '_yoast_wpseo_primary_category', '1'), (33773, 3003, '_yoast_wpseo_title', 'Партнерская программа АТБ банка: как подключиться, какие офферы и сколько можно заработать'), (33774, 3003, '_yoast_wpseo_metadesc', 'На платформе Pampadu доступно много вариантов для заработка. Один из них – разработанная АТБ партнерская программа, подробно описанная далее.'), (33775, 3003, '_yoast_wpseo_content_score', '60'), (33776, 3003, '_yoast_wpseo_estimated-reading-time-minutes', '5'), (33777, 3003, 'post_count_3003', '246'), (33778, 3003, 'post_count_all', '169'), (33779, 3007, 'inline_featured_image', '0'), (33780, 3007, 'longer-permalinks-post-name-longer', 'partnerskaya-programma-fora-banka'), (33781, 3007, '_thumbnail_id', '3008'), (33782, 3007, '_edit_last', '17'), (33783, 3007, 'ytrssenabled_meta_value', 'no'), (33784, 3007, 'ytremove_meta_value', 'no'), (33785, 3007, 'ytad1meta', 'enabled'), (33786, 3007, 'ytad2meta', 'enabled'), (33787, 3007, 'ytad3meta', 'enabled'), (33788, 3007, 'ytad4meta', 'enabled'), (33789, 3007, 'ytad5meta', 'enabled'), (33790, 3007, 'template_meta', 'no'), (33791, 3007, 'ytextendedhtmlmeta', 'default'), (33792, 3007, 'ytpostdatemeta', 'default'), (33793, 3007, '_yoast_wpseo_primary_category', '21'), (33794, 3007, '_yoast_wpseo_title', 'Партнерская программа ФОРА-банка: как подключиться, какие офферы и сколько можно заработать'), (33795, 3007, '_yoast_wpseo_metadesc', 'Статья рассказывает о возможности заработка на партнерке банка на сервисе Pampadu. В статье рассказано, что такое партнерская программа ФОРА-банка, условия участия, а также описаны преимущества и возможности заработка.'), (33796, 3007, '_yoast_wpseo_content_score', '60'), (33797, 3007, '_yoast_wpseo_estimated-reading-time-minutes', '6'), (33798, 3007, 'post_count_3007', '283'), (33799, 3007, 'post_count_all', '191'), (33800, 3010, 'inline_featured_image', '0'), (33801, 3010, 'longer-permalinks-post-name-longer', 'trekingovaya-sistema-na-pampadu'), (33802, 3010, '_thumbnail_id', '3011'), (33803, 3010, '_edit_last', '13'), (33804, 3010, 'ytrssenabled_meta_value', 'no'), (33805, 3010, 'ytremove_meta_value', 'no'), (33806, 3010, 'ytad1meta', 'enabled'), (33807, 3010, 'ytad2meta', 'enabled'), (33808, 3010, 'ytad3meta', 'enabled'), (33809, 3010, 'ytad4meta', 'enabled'), (33810, 3010, 'ytad5meta', 'enabled'), (33811, 3010, 'template_meta', 'no'), (33812, 3010, 'ytextendedhtmlmeta', 'default'), (33813, 3010, 'ytpostdatemeta', 'default'), (33814, 3010, '_yoast_wpseo_primary_category', '21'), (33815, 3010, '_yoast_wpseo_focuskw', 'пампаду'), (33816, 3010, '_yoast_wpseo_title', '%%title%% %%page%%'), (33817, 3010, '_yoast_wpseo_metadesc', 'Делимся лайфхаком по использованию трекинговой системы.'), (33818, 3010, '_yoast_wpseo_linkdex', '41'), (33819, 3010, '_yoast_wpseo_content_score', '60'), (33820, 3010, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33821, 3010, 'post_count_3010', '208'), (33822, 3010, 'post_count_all', '159'), (33823, 3010, 'pld_like_count', '1'), (33824, 3013, 'inline_featured_image', '0'), (33825, 3013, 'longer-permalinks-post-name-longer', 'vazhnye-obnovleniya-na-pampadu'), (33826, 3013, '_thumbnail_id', '3014'), (33827, 3013, 'post_count_3013', '238'), (33828, 3013, '_edit_last', '13'), (33829, 3013, 'ytrssenabled_meta_value', 'no'), (33830, 3013, 'ytremove_meta_value', 'no'), (33831, 3013, 'ytad1meta', 'enabled'), (33832, 3013, 'ytad2meta', 'enabled'), (33833, 3013, 'ytad3meta', 'enabled'), (33834, 3013, 'ytad4meta', 'enabled'), (33835, 3013, 'ytad5meta', 'enabled'), (33836, 3013, 'template_meta', 'no'), (33837, 3013, 'ytextendedhtmlmeta', 'default'), (33838, 3013, 'ytpostdatemeta', 'default'), (33839, 3013, '_yoast_wpseo_primary_category', '21'), (33840, 3013, '_yoast_wpseo_focuskw', 'пампаду'), (33841, 3013, '_yoast_wpseo_title', '%%title%% %%page%%'), (33842, 3013, '_yoast_wpseo_metadesc', 'Новые улучшения на Пампаду за последнее время'), (33843, 3013, '_yoast_wpseo_linkdex', '54'), (33844, 3013, '_yoast_wpseo_content_score', '90'), (33845, 3013, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33846, 3013, 'pld_dislike_count', '1'), (33847, 3013, 'post_count_all', '159'), (33848, 3022, 'inline_featured_image', '0'), (33849, 3022, 'longer-permalinks-post-name-longer', 'kak-zarabotat-na-svoem-sajte'), (33850, 3022, '_thumbnail_id', '3023'), (33851, 3022, '_edit_last', '17'), (33852, 3022, 'ytrssenabled_meta_value', 'no'), (33853, 3022, 'ytremove_meta_value', 'no'), (33854, 3022, 'ytad1meta', 'enabled'), (33855, 3022, 'ytad2meta', 'enabled'), (33856, 3022, 'ytad3meta', 'enabled'), (33857, 3022, 'ytad4meta', 'enabled'), (33858, 3022, 'ytad5meta', 'enabled'), (33859, 3022, 'template_meta', 'no'), (33860, 3022, 'ytextendedhtmlmeta', 'default'), (33861, 3022, 'ytpostdatemeta', 'default'), (33862, 3022, '_yoast_wpseo_primary_category', '21'), (33863, 3022, '_yoast_wpseo_title', 'Как заработать на своем сайте: лучшие способы монетизации сайта'), (33864, 3022, '_yoast_wpseo_metadesc', 'Статья рассказывает о способах монетизации сайтов. В ней рассказывается, как заработать на сайте, созданном вами. Статья будет полезна владельцам сайтов и арбитражникам, которые хотят зарабатывать на трафике.'), (33865, 3022, '_yoast_wpseo_content_score', '30'), (33866, 3022, '_yoast_wpseo_estimated-reading-time-minutes', '10'), (33867, 3022, 'post_count_3022', '487'), (33868, 3022, 'post_count_all', '315'), (33869, 3025, 'inline_featured_image', '0'), (33870, 3025, 'longer-permalinks-post-name-longer', 'pochemu-na-pampadu-samaya-vygodnaya-referalnaya-programma'), (33871, 3025, '_thumbnail_id', '3026'), (33872, 3025, '_edit_last', '13'), (33873, 3025, 'ytrssenabled_meta_value', 'no'), (33874, 3025, 'ytremove_meta_value', 'no'), (33875, 3025, 'ytad1meta', 'enabled'), (33876, 3025, 'ytad2meta', 'enabled'), (33877, 3025, 'ytad3meta', 'enabled'), (33878, 3025, 'ytad4meta', 'enabled'), (33879, 3025, 'ytad5meta', 'enabled'), (33880, 3025, 'template_meta', 'no'), (33881, 3025, 'ytextendedhtmlmeta', 'default'), (33882, 3025, 'ytpostdatemeta', 'default'), (33883, 3025, '_yoast_wpseo_primary_category', '21'), (33884, 3025, '_yoast_wpseo_focuskw', 'пампаду'), (33885, 3025, '_yoast_wpseo_title', '%%title%% %%page%%'), (33886, 3025, '_yoast_wpseo_metadesc', 'Советовать Пампаду и раньше было выгодно, а теперь мы платим по продажам вашего реферала не только за ОСАГО, но и за ипотеку, а также банковский продукты и найм персонала.'), (33887, 3025, '_yoast_wpseo_linkdex', '60'), (33888, 3025, '_yoast_wpseo_content_score', '90'), (33889, 3025, '_yoast_wpseo_estimated-reading-time-minutes', '1'), (33890, 3025, 'post_count_3025', '222'), (33891, 3025, 'post_count_all', '139'), (33892, 3028, 'inline_featured_image', '0'), (33893, 3028, 'longer-permalinks-post-name-longer', 'gde-uchitsya-na-agenta-po-nedvizhimosti'), (33894, 3028, '_thumbnail_id', '3029'), (33895, 3028, '_edit_last', '17'), (33896, 3028, 'ytrssenabled_meta_value', 'no'), (33897, 3028, 'ytremove_meta_value', 'no'), (33898, 3028, 'ytad1meta', 'enabled'), (33899, 3028, 'ytad2meta', 'enabled'), (33900, 3028, 'ytad3meta', 'enabled'), (33901, 3028, 'ytad4meta', 'enabled'), (33902, 3028, 'ytad5meta', 'enabled'), (33903, 3028, 'template_meta', 'no'), (33904, 3028, 'ytextendedhtmlmeta', 'default'), (33905, 3028, 'ytpostdatemeta', 'default'), (33906, 3028, '_yoast_wpseo_primary_category', '21'), (33907, 3028, '_yoast_wpseo_title', 'Риэлтор: где учиться, какие ВУЗы и курсы выбрать'), (33908, 3028, '_yoast_wpseo_metadesc', 'Нужно ли учиться на риелтора или профильное образование не требуется? Программа переподготовки, онлайн-курсы, федеральный проект и образовательные онлайн-платформы – расскажем, где можно учиться риелтору.'), (33909, 3028, '_yoast_wpseo_content_score', '30'), (33910, 3028, '_yoast_wpseo_estimated-reading-time-minutes', '5'), (33911, 3028, 'post_count_3028', '604'), (33912, 3028, 'post_count_all', '286'), (33913, 3033, 'inline_featured_image', '0'), (33914, 3033, 'longer-permalinks-post-name-longer', 'kak-proverit-nadyozhnost-zastrojshhika'), (33915, 3033, '_thumbnail_id', '3034'), (33916, 3033, '_edit_last', '17'), (33917, 3033, 'ytrssenabled_meta_value', 'no'), (33918, 3033, 'ytremove_meta_value', 'no'), (33919, 3033, 'ytad1meta', 'enabled'), (33920, 3033, 'ytad2meta', 'enabled'), (33921, 3033, 'ytad3meta', 'enabled'), (33922, 3033, 'ytad4meta', 'enabled'), (33923, 3033, 'ytad5meta', 'enabled'), (33924, 3033, 'template_meta', 'no'), (33925, 3033, 'ytextendedhtmlmeta', 'default'), (33926, 3033, 'ytpostdatemeta', 'default'), (33927, 3033, '_yoast_wpseo_primary_category', '21'), (33928, 3033, '_yoast_wpseo_title', 'Как риэлтору проверить застройщика'), (33929, 3033, '_yoast_wpseo_metadesc', 'Рассказываем, как проверить застройщика перед покупкой квартиры в новостройке. Вы узнаете, откуда взять информацию о строящемся объекте, и какие признаки могут говорить о финансовых трудностях у девелопера.'), (33930, 3033, '_yoast_wpseo_content_score', '30'), (33931, 3033, '_yoast_wpseo_estimated-reading-time-minutes', '6'), (33932, 3033, 'post_count_3033', '197'), (33933, 3033, 'post_count_all', '133'), (33934, 3036, 'inline_featured_image', '0'), (33935, 3036, 'longer-permalinks-post-name-longer', 'luchshie-knigi-dlya-rieltorov-i-agentstv-nedvizhimosti'), (33936, 3036, '_thumbnail_id', '3037'), (33937, 3036, '_edit_last', '17'), (33938, 3036, 'ytrssenabled_meta_value', 'no'), (33939, 3036, 'ytremove_meta_value', 'no'), (33940, 3036, 'ytad1meta', 'enabled'), (33941, 3036, 'ytad2meta', 'enabled'), (33942, 3036, 'ytad3meta', 'enabled'), (33943, 3036, 'ytad4meta', 'enabled'), (33944, 3036, 'ytad5meta', 'enabled'), (33945, 3036, 'template_meta', 'no'), (33946, 3036, 'ytextendedhtmlmeta', 'default'), (33947, 3036, 'ytpostdatemeta', 'default'), (33948, 3036, '_yoast_wpseo_primary_category', '21'), (33949, 3036, '_yoast_wpseo_title', 'ТОП-10 книг для риэлторов и агентств недвижимости'), (33950, 3036, '_yoast_wpseo_metadesc', 'Расскажем вам о том, какие книги для риелторов стоит прочитать. Составили топ-10 книг для агентов по недвижимости любого уровня – от новичка до инвестора.'), (33951, 3036, '_yoast_wpseo_content_score', '30'), (33952, 3036, '_yoast_wpseo_estimated-reading-time-minutes', '7'), (33953, 3036, 'post_count_3036', '497'), (33954, 3036, 'pld_like_count', '1'), (33955, 3036, 'post_count_all', '255'), (33956, 3061, 'inline_featured_image', '0'), (33957, 3061, 'longer-permalinks-post-name-longer', 'rezyume-dlya-rieltora-kak-sostavit-privlekatelnoe-rezyume-o-sebe'), (33958, 3061, '_thumbnail_id', '3062'), (33959, 3061, '_edit_last', '17'), (33960, 3061, 'ytrssenabled_meta_value', 'no'), (33961, 3061, 'ytremove_meta_value', 'no'), (33962, 3061, 'ytad1meta', 'enabled'), (33963, 3061, 'ytad2meta', 'enabled'), (33964, 3061, 'ytad3meta', 'enabled'), (33965, 3061, 'ytad4meta', 'enabled'), (33966, 3061, 'ytad5meta', 'enabled'), (33967, 3061, 'template_meta', 'no'), (33968, 3061, 'ytextendedhtmlmeta', 'default'), (33969, 3061, 'ytpostdatemeta', 'default'), (33970, 3061, '_yoast_wpseo_primary_category', '21'), (33971, 3061, '_yoast_wpseo_title', 'Резюме для риэлтора: как составить привлекательное резюме о себе для агентства недвижимости'), (33972, 3061, '_yoast_wpseo_metadesc', 'Резюме для риелтора – как его составить, чтобы заинтересовать работодателя? 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Кто может погасить ипотечную задолженность? Какие есть ограничения при продаже собственности с обременением? Ответы на эти вопросы вы найдете в нашей статье.'), (35013, 3275, '_yoast_wpseo_content_score', '30'), (35014, 3275, '_yoast_wpseo_estimated-reading-time-minutes', '5'), (35015, 3275, 'post_count_3275', '144'), (35016, 3275, 'post_count_all', '93'), (35017, 3278, 'inline_featured_image', '0'), (35018, 3278, 'longer-permalinks-post-name-longer', 'kak-rieltoru-prodat-kvartiru-s-dolyami-detej'), (35019, 3278, '_thumbnail_id', '3279'), (35020, 3278, '_edit_last', '17'), (35021, 3278, 'ytrssenabled_meta_value', 'no'), (35022, 3278, 'ytremove_meta_value', 'no'), (35023, 3278, 'ytad1meta', 'enabled'), (35024, 3278, 'ytad2meta', 'enabled'), (35025, 3278, 'ytad3meta', 'enabled'), (35026, 3278, 'ytad4meta', 'enabled'), (35027, 3278, 'ytad5meta', 'enabled'), (35028, 3278, 'template_meta', 'no'), (35029, 3278, 'ytextendedhtmlmeta', 'default'), (35030, 3278, 'ytpostdatemeta', 'default'), (35031, 3278, '_yoast_wpseo_primary_category', '21'), (35032, 3278, '_yoast_wpseo_title', 'Продажа квартиры с долями несовершеннолетних: как риэлтору продать квартиру с долями детей'), (35033, 3278, '_yoast_wpseo_metadesc', 'Раскрываем все нюансы того, как продать квартиру с долями на детей. Расскажем, могут ли признать такую сделку незаконной. Из статьи вы также узнаете, как можно поступить с деньгами, вырученными от продажи детской доли.'), (35034, 3278, '_yoast_wpseo_content_score', '30'), (35035, 3278, '_yoast_wpseo_estimated-reading-time-minutes', '10'), (35036, 3278, 'post_count_3278', '246'), (35037, 3278, 'post_count_all', '87'), (35038, 3281, 'inline_featured_image', '0'), (35039, 3281, 'longer-permalinks-post-name-longer', 'programmy-dlya-rieltorov-i-agentstv-nedvizhimosti'), (35040, 3281, '_thumbnail_id', '3282'), (35041, 3281, '_edit_last', '17'), (35042, 3281, 'ytrssenabled_meta_value', 'no'), (35043, 3281, 'ytremove_meta_value', 'no'), (35044, 3281, 'ytad1meta', 'enabled'), (35045, 3281, 'ytad2meta', 'enabled'), (35046, 3281, 'ytad3meta', 'enabled'), (35047, 3281, 'ytad4meta', 'enabled'), (35048, 3281, 'ytad5meta', 'enabled'), (35049, 3281, 'template_meta', 'no'), (35050, 3281, 'ytextendedhtmlmeta', 'default'), (35051, 3281, 'ytpostdatemeta', 'default'), (35052, 3281, '_yoast_wpseo_primary_category', '21'), (35053, 3281, '_yoast_wpseo_title', 'Программы для риэлторов и агентств недвижимости - ТОП 10'), (35054, 3281, '_yoast_wpseo_metadesc', 'А вы знали, что существуют специальные программы для риелтора? 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Ответ на этот вопрос не так однозначен, как кажется. Нужно учесть несколько факторов – подготовить жилье к продаже, правильно оценить стоимость объекта, найти покупателя. 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Такая форма оформления упрощает покупку собственности: стороны сделки могут находиться в любом месте и даже у себя дома. Рассказываем об особенностях проведения дистанционных сделок.'), (36622, 3573, '_yoast_wpseo_content_score', '60'), (36623, 3573, '_yoast_wpseo_estimated-reading-time-minutes', '6'), (36624, 3573, 'post_count_3573', '228'), (36625, 3576, 'inline_featured_image', '0'), (36626, 3576, 'longer-permalinks-post-name-longer', 'zarabotok-na-sms-rassylkah-v-2023-godu'), (36627, 3576, '_thumbnail_id', '3577'), (36628, 3576, '_edit_last', '17'), (36629, 3576, 'ytrssenabled_meta_value', 'no'), (36630, 3576, 'ytremove_meta_value', 'no'), (36631, 3576, 'ytad1meta', 'enabled'), (36632, 3576, 'ytad2meta', 'enabled'), (36633, 3576, 'ytad3meta', 'enabled'), (36634, 3576, 'ytad4meta', 'enabled'), (36635, 3576, 'ytad5meta', 'enabled'), (36636, 3576, 'template_meta', 'no'), (36637, 3576, 'ytextendedhtmlmeta', 'default'), (36638, 3576, 'ytpostdatemeta', 'default'), (36639, 3576, 'post_count_all', ''), (36640, 3576, '_yoast_wpseo_primary_category', '21'), (36641, 3576, '_yoast_wpseo_title', 'Заработок на SMS-рассылках: что это и зачем нужно арбитражнику в 2023 году'), (36642, 3576, '_yoast_wpseo_metadesc', 'СМС-рассылка – это вид директ-мейла. 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Узнать больше можно далее.'), (36797, 3600, '_yoast_wpseo_content_score', '60'), (36798, 3600, '_yoast_wpseo_estimated-reading-time-minutes', '3'), (36799, 3600, 'post_count_3600', '141'), (36800, 3603, 'inline_featured_image', '0'), (36801, 3603, 'longer-permalinks-post-name-longer', 'dropy-dlya-arbitrazha-gde-najti-i-chto-delat'), (36802, 3603, '_thumbnail_id', '3604'), (36803, 3603, '_edit_last', '17'), (36804, 3603, 'ytrssenabled_meta_value', 'no'), (36805, 3603, 'ytremove_meta_value', 'no'), (36806, 3603, 'ytad1meta', 'enabled'), (36807, 3603, 'ytad2meta', 'enabled'), (36808, 3603, 'ytad3meta', 'enabled'), (36809, 3603, 'ytad4meta', 'enabled'), (36810, 3603, 'ytad5meta', 'enabled'), (36811, 3603, 'template_meta', 'no'), (36812, 3603, 'ytextendedhtmlmeta', 'default'), (36813, 3603, 'ytpostdatemeta', 'default'), (36814, 3603, 'post_count_all', ''), (36815, 3603, '_yoast_wpseo_primary_category', '21'), (36816, 3603, '_yoast_wpseo_title', 'Дропы для арбитража: где найти и что делать'), (36817, 3603, '_yoast_wpseo_metadesc', 'Дропы – это домены, которые оставили собственные владельцы. 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Получать доход можно на арбитраже трафика, занимаясь контекстной.'), (36839, 3606, '_yoast_wpseo_content_score', '60'), (36840, 3606, '_yoast_wpseo_estimated-reading-time-minutes', '7'), (36841, 3606, 'post_count_3606', '138'), (36842, 3610, 'inline_featured_image', '0'), (36843, 3610, 'longer-permalinks-post-name-longer', 'vstrechajte-osago-kross-teper-i-v-rosgosstrahe'), (36844, 3610, '_thumbnail_id', '3611'), (36845, 3610, '_edit_last', '13'), (36846, 3610, 'ytrssenabled_meta_value', 'no'), (36847, 3610, 'ytremove_meta_value', 'no'), (36848, 3610, 'ytad1meta', 'enabled'), (36849, 3610, 'ytad2meta', 'enabled'), (36850, 3610, 'ytad3meta', 'enabled'), (36851, 3610, 'ytad4meta', 'enabled'), (36852, 3610, 'ytad5meta', 'enabled'), (36853, 3610, 'template_meta', 'no'), (36854, 3610, 'ytextendedhtmlmeta', 'default'), (36855, 3610, 'ytpostdatemeta', 'default'), (36856, 3610, 'post_count_all', ''), (36857, 3610, '_yoast_wpseo_primary_category', '21'), (36858, 3610, '_yoast_wpseo_focuskw', 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Блог Пампаду: о  нас и об агентской работе в страховании и финансах

'), (37202, 4558, '_banner_title', 'field_60786fc3f6743'), (37203, 4558, 'banner_description', 'Делимся мыслями и новостями, происходящими внутри проекта, на рынке страхования, финансов и в агентской работе'), (37204, 4558, '_banner_description', 'field_60786fcaf6744'), (37205, 4559, 'banner_title', ''), (37206, 4559, '_banner_title', 'field_60786fc3f6743'), (37207, 4559, 'banner_description', ''), (37208, 4559, '_banner_description', 'field_60786fcaf6744'), (37209, 4558, '_yoast_wpseo_estimated-reading-time-minutes', '0'), (37210, 4558, '_yoast_wpseo_wordproof_timestamp', ''), (37213, 3759, '_wp_old_date', '2023-09-08'), (37214, 3760, '_wp_old_date', '2023-09-08'), (37215, 3761, '_wp_old_date', '2023-09-08'), (37216, 3892, '_wp_old_date', '2023-09-08'), (37217, 3893, '_wp_old_date', '2023-09-08'), (37218, 3894, '_wp_old_date', '2023-09-08'), (37219, 3896, '_wp_old_date', '2023-09-08'), (37220, 3897, '_wp_old_date', '2023-09-08'), (37221, 3895, '_wp_old_date', '2023-09-08'), (37222, 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Блог Пампаду: о  нас и об агентской работе в страховании и финансах

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Блог Пампаду: о  нас и об агентской работе в страховании и финансах

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Команда ПАМПАДУ подготовила серию из 9 видео-уроков по ОСАГО и особенностям агентской работы. Уже завтра выйдет первый урок.

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Курс подходит как для начинающих, так и для профессиональных страховых агентов. Уроки помогут вам сделать работу эффективнее, освоить новые методы поиска клиентов и больше зарабатывать.

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Материал читает профессиональный страховой агент с 17-летним опытом — Виталий Савельев. Для каждого урока мы разработали дополнительные материалы на основе примеров из практики. В конце некоторых из них есть контрольные тесты. Проходите их, чтобы закрепить полученные знания и навыки.

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Курс открыт всем, доступ к нему бесплатный. Ведь для нас важно, чтобы каждый страховой агент повышал свою экспертность и был профессионалом своего дела.

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Программа курса:

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Урок 1: Рынок автострахования и ОСАГО в России. Сколько можно заработать

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Урок 2: Как заработать на ОСАГО. Первые шаги в страховом бизнесе

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Урок 3: Как работает сервис Пампаду

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Урок 4: Кто такой страховой агент. Основы эффективной работы

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Урок 5: Как страховому агенту найти клиентов. Пошаговый план

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Урок 6: Как агенту задавать вопросы и работать с возражениями

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Урок 7: Частые вопросы про ОСАГО от страхователей. Что должен знать каждый агент

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Урок 8: Как агенту вести базу клиентов: CRM/E-mail/Пролонгация/Кросселинг

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Урок 9: Страховой агент в ОСАГО — как  продать свою экспертность

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Еженедельно будет выходить по 1–3 урока. О каждом мы сообщим заранее во всех соцсетях. Уроки вы всегда найдете в личном кабинете, а также:

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— Ютуб-канале
— Телеграм-канале
— группе ВК
— группе Одноклассники

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С любовью к своему делу,
Команда Пампаду?

\n', 'Стартует обучающий курс для страховых агентов от команды Пампаду', 'Команда ПАМПАДУ подготовила серию из 9 видео-уроков по ОСАГО и особенностям агентской работы. Уже завтра выйдет первый урок.', 'publish', 'open', 'open', '', 'obuchayushhij-video-kurs-po-osago-pampadu', '', '', '2021-05-25 16:36:02', '2021-05-25 16:36:02', '', 0, 'https://blg.pampadu.ru/?p=128', 0, 'post', '', 0), (150, 1, '2021-03-30 13:49:00', '2021-03-30 13:49:00', '\n

Это короткая история о том, как легко и просто могут украсть ваших клиентов. Я, Локтев Сергей - генеральный директор и основатель blg.pampadu.ru, пишу ее от своего лица. Это мои мысли, которые не всегда отражают мнение всей компании, но которыми считаю важно поделиться с вами и предостеречь.

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Я вижу, как несколько наших коллег/конкурентов платят агентам, партнерам комиссионное вознаграждение в ноль или даже в минус себе. Делают это не для избранных партнеров, кто приносит большие объемы продаж, а абсолютно для всех. Это означает, что на продажах, которые там осуществляют агенты, сервис ничего не зарабатывает и даже теряет с каждого такого полиса, потому что есть оплата разработчиков, технической поддержки, которая вам помогает, налоги и многое другое. Что это? Благотворительность, меценатство или может есть корыстные цели у такого подхода? Давайте разберёмся.

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Цель любого бизнеса — это получение дохода. Это основа основ любой коммерческой деятельности, любой компании. Для достижения этой цели уже создается ценный продукт, сервис, за который клиент готов платить. Если нарушается баланс обмена, то от этого страдают все стороны: компания не зарабатывает, не может создавать новые продукты и улучшать старые, нанимать высококвалифицированных специалистов, улучшать поддержку, а клиенты в свою очередь не получают новый функционал, должный сервис и качество поддержки. Все в проигрыше.

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Так зачем же, кто-то работает в минус и отдает всю комиссию?

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Это делают те агрегаторы, которые работают не только с агентами, но и активно напрямую с конечными клиентам: страхователями, владельцами авто.

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Всех ваших клиентов собираются украсть, начав пролонгировать их самостоятельно без вашего участия.

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Вы можете возразить:
«Но я же не указываю настоящую почту и телефон! Как они с ними свяжутся?!».

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Раскрою небольшой секрет — это самое легкое. Зная паспортные данные можно найти контактный телефон почти любого клиента и стоить это будет почти даром, если учитывать что агрегатор получит всю комиссию от страховой и не придётся делиться с вами. Вот именно тогда, компенсируются все те убытки, которые агрегатор нес, пока отдавал вам всю комиссию в ноль, пока вы наполняли ему базу будущих клиентов.

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Все страховые компании платят абсолютно одинаковый размер всем онлайн партнерам, поэтому это не делается ради «объемов» или получения других преференций. Основная цель — собрать базу и направить ее на свои уже существующие страницы, где клиент сам купит полис. Купит без вас.

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Не так давно одна из компаний предлагала бонус в 2000 руб., если вы оформите полис с настоящими данными своего клиента. Т.е. прямо говорили: «Мы забираем твоего клиента за 2000 руб. Заработай на нем сейчас больше, но дальше он наш». К сожалению, кто-то по незнанию соглашался и лишался своих клиентов.

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Мы в Пампаду принципиально не работаем с конечными клиентами и всячески отсекаем им доступ к сервису, а в страховые отдаем сгенерированную почту и не пересылаем рекламу от компаний. Именно поэтому есть минимальный размер выплаты, поэтому мы по всем вашим расчетам с виджета догоняем клиентов рассылками, но при покупке с которых это тоже будет ваша продажа и многое другое. Ваш клиент — должен остаться вашим!

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В следующий раз, когда вы увидите очередной сервис, к примеру «Подбери.ру» или «Инсенсей.ру», которые явно платят всю комиссию, не оставляя ничего себе, то вы поймете, с какой целью это делается и как легко вы потеряете своих клиентов, которые будут покупать напрямую у этого агрегатора.

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Вас лишили дохода с техосмотра, не дайте украсть и ваших клиентов. Это то, что кормит агента многие годы.

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С любовь к своему делу и заботой о вас,
Команда Пампаду ?

\n', 'Как украдут ваших клиентов в ОСАГО', '', 'publish', 'open', 'open', '', 'kak-ukradut-vashih-klientov-v-osago', '', '', '2021-03-30 13:49:00', '2021-03-30 13:49:00', '', 0, 'https://blg.pampadu.ru/?p=150', 0, 'post', '', 0), (152, 1, '2021-05-26 13:14:14', '2021-05-26 13:14:14', '', 'Final-2 (2)', '', 'inherit', 'open', 'closed', '', 'final-2-2', '', '', '2021-05-26 13:14:14', '2021-05-26 13:14:14', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/05/Final-2-2.jpg', 0, 'attachment', 'image/jpeg', 0), (153, 1, '2021-05-26 13:23:07', '2021-05-26 13:23:07', '', 'Final-2-без-текста (2)', '', 'inherit', 'open', 'closed', '', 'final-2-bez-teksta-2', '', '', '2021-05-26 13:23:07', '2021-05-26 13:23:07', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/05/Final-2-bez-teksta-2.jpg', 0, 'attachment', 'image/jpeg', 0), (154, 1, '2021-02-11 14:18:00', '2021-02-11 14:18:00', '\n

Анализируя сотни полисов и общаясь со страховыми компаниями, мы выявили ряд закономерностей и правил, зная которые, можно повысить шанс успешного прохождения скоринга и одобрения полиса ОСАГО на покупку. В этой статье мы расскажем о таких особенностях - читайте и применяйте ?.

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1.Указывайте уникальный номер телефона - это точно работает для Росгосстраха и Согласие.Несмотря на то, что официальной информации, что номер должен быть уникальным нет, но мы часто замечали, что поменяв номер телефона можно получить положительное одобрение. Это также относится и к другим страховым компаниям.

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2.Меняйте дату начала действия полиса - чем дальше от текущего дня дата начала действия полиса, тем выше шанс положительного одобрения по некоторым компаниям. К примеру, по Альфа-Страхование точно известно, что стоимость полиса может стать ниже, если дата начала действия будет 10+ дней от текущей. В Согласие можно оформлять полисы с датой начала действия завтрашний день, но покупка не одобрена, можно поменять на +3 или +7 дней и получить уже положительный результат.

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3.Используйте СТС вместо ПТС и наоборот - раньше мы думали, что в приоритете указывать паспорт авто, а не свидетельство, но оказалось это не так. К примеру в Тинькофф и Ренессанс полисы чаще проходят, если указывать свидетельство о регистрации авто (стс). Т.е. на одного клиента изменив только данные с паспорта на свидетельство, можно получить одобрение. Поэтому если с ПТС получили отказ то указывайте СТС и наоборот. У некоторых компаний скоринг настроен на ПТС.

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4.Выбирайте модификацию из списка - когда на первом этапе указываете мощность двигателя, старайтесь выбрать подходящее по мощности л.с. значение из списка, т.е. модификацию. Многие страховые компании ждут именно модификацию, а не просто значение мощности. Поэтому выбрав модификацию вы увеличите шанс положительного одобрения. Мы сейчас активно расширяем список модификаций по всем маркам и моделям авто, поэтому нужное значение там точно будет.

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\"Девять
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5.Дата окончания ДК должна быть позже текущего месяца - для некоторых компаний важно, чтобы была указана действительная диагностическая карта (дк) с верной датой окончания. К примеру, в Согласие могут отказать, если ДК заканчивает свое действие в том же месяце, когда начинает действовать полис. Поэтому указывайте настоящие данные диагностической карты и желательно, чтобы дата окончания была в следующем месяце после даты начала действия полиса.

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6.Уточняйте марку/модель на втором этапе расчета - у каждой страховой компании свой справочник авто, поэтому не всегда удается корректно его соотнести со справочником в Пампаду. Для этого на втором этапе расчета мы можем предложить вам уточнить марку и модель уже из списка страховых компаний. Обязательно это делайте, чтобы получить результат расчета, особенно это важно делать в ВСК и Верна.

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\"Девять
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7.Указывайте верный и актуальный адрес прописки - многие страховые компании не могут принять нестандартные адреса в которых есть “мкр.” “хутор” “снт” и т.д. или адреса новых районов, которых нет еще в справочниках. Поэтому по возможности указывайте адрес подробнее, без сокращений и адрес недавно был переименован, попробуйте указать его старое наименование, спросив его у страхователя. Возможно адрес устарел и мы рекомендуем проверить его проверить https://dadata.ru/suggestions/#address Он должен быть со статусом \"Актуальный»

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\"Девять
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Дополнительно проверяйте адрес, указанный на первом этапе.

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8.В обеденные часы у СК бывают сбои - мы заметили, что у Ренессанса в середине дня (12:00 - 16:00) по Москве, периодически бывают сбои в работе. Поэтому мы показываем сообщение “Запрос к СК завершился с ошибкой, попробуйте позже”. Рекомендуем подождать и повторить запрос. Рекомендуем выполнять расчет в утреннее или вечернее время, а также повторять расчет, если встретили ошибку.

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9.Указывайте номер предыдущего полиса и верную дату начала - при заполнении всех данных укажите предыдущий полис НЕ Альфа-страхования и дату начала действия нового полиса следующий день, после окончания текущего. Комиссия увеличится вместе с шансом оформления. Если у клиента нет старого полиса, то рекомендуем ничего не заполнять, так как это может привести наоборот к негативному эффекту.

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\"Девять
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Надеемся, что информация выше была полезна и вы ее примените, даже если не работаете с Пампаду. А для тех, кто с нами - уже на следующей неделе мы откроем доступ к быстрым выплатам КВ всем физ. лицам, даже без статуса самозанятого и повысим комиссии активным агентам по всем страховым компаниям.

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\n
Попробовать оформить полис ОСАГО
\n
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С любовью к своему делу,
Команда Пампаду ?

\n', 'Девять секретов, как повысить проходимость полисов ОСАГО', '', 'publish', 'open', 'open', '', 'devyat-sekretov-kak-povysit-prohodimost-polisov-osago', '', '', '2021-02-11 14:18:00', '2021-02-11 14:18:00', '', 0, 'https://blg.pampadu.ru/?p=154', 0, 'post', '', 0), (155, 1, '2021-05-26 13:30:45', '2021-05-26 13:30:45', '', 'Как украдут ваших клиентов в ОСАГО', '', 'inherit', 'open', 'closed', '', 'final-2-bez-teksta-2-2', '', '', '2021-05-26 13:30:45', '2021-05-26 13:30:45', '', 150, 'http://pamtest.ru/wp-content/uploads/2021/05/Final-2-bez-teksta-2-1.jpg', 0, 'attachment', 'image/jpeg', 0), (159, 1, '2021-05-26 14:09:10', '2021-05-26 14:09:10', '', 'image', '', 'inherit', 'open', 'closed', '', 'image', '', '', '2021-05-26 14:09:10', '2021-05-26 14:09:10', '', 154, 'http://pamtest.ru/wp-content/uploads/2021/05/image.png', 0, 'attachment', 'image/png', 0), (160, 1, '2021-05-26 14:09:24', '2021-05-26 14:09:24', '', 'проходимость полисов ОСАГО', '', 'inherit', 'open', 'closed', '', 'image-1', '', '', '2021-05-26 14:09:24', '2021-05-26 14:09:24', '', 154, 'http://pamtest.ru/wp-content/uploads/2021/05/image-1.png', 0, 'attachment', 'image/png', 0), (163, 1, '2021-02-15 14:19:00', '2021-02-15 14:19:00', '\n

Друзья! Рады объявить вам, что мы запустили быстрые выплаты для всех пользователей, кто работает в статусе физических лиц. Вы уже сегодня может вывести деньги с баланса и в любую минуту в дальнейшем.

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Мы реализовали получение денежных средств сразу после продажи полиса, для тех, кто по каким-то причинам не может или не хочет быть самозанятым! Конечно, этот способ не такой выгодный, как для самозанятых, где мы добавляем +6% ко всем платежам, но лучше так, чем ждать месяц комиссию за продажу. В первые тестовые недели уже 6000 агентов получили доступ, а теперь этот способ открыт абсолютно всем пользователям Пампаду!

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— Не нужно будет больше ждать месяц, чтобы получить комиссию;
— Выводите когда хотите и сколько хотите со своего баланса;

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Мы без лишней скромности можем сказать, что это удобный, прозрачный для вас способ получения комиссии за проданные полисы! Очень постарались, чтобы у вас не было ни одной преграды, чтобы снимать деньги.

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Как перейти на режим быстрых выплат и получить деньги уже сегодня?

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  1. В разделе «Мой баланс» есть волшебная кнопка «Вывести». Жмите ее и выбирайте 3-й вариант выплат. При необходимости вы можете остаться на режиме получения выплат раз в месяц или сменить способ в любое время.
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\"экран
экран выбора способа выплат
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2. Выбрав нужный способ, заново нажмите на «вывести» внесите данные карты и ваша заявка будет оформлена.

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3. Отслеживайте статус выплаты в разделе «Выплаты». Срок зачисления от 5 минут до 4 дней.

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Если у вас есть агенты:

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Вы сможете вывести любое значение в рамках своего баланса и только весь баланс ваших агентов. Когда вы снимете не только свои деньги, но и деньги ваших агентов, в разделе «выплаты» — «исходящие» сформируются платежи по которым вам легко будет понятно сколько и кому из ваших агентов вы должны заплатить.

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P.S. Если вы работаете как ИП или ООО, то не расстраивайте вскоре и для вас будет возможность получать выплату в любое время. Наберитесь терпения :)

\n\n\n\n

С любовью к своему делу,
Команда Пампаду?

\n', 'Быстрые выплаты для физ.лиц.', '', 'publish', 'open', 'open', '', 'bystrye-vyplaty-dlya-fiz-lits', '', '', '2021-02-15 14:19:00', '2021-02-15 14:19:00', '', 0, 'https://blg.pampadu.ru/?p=163', 0, 'post', '', 0), (164, 1, '2021-05-26 14:30:04', '2021-05-26 14:30:04', '', 'Быстрые выплаты для физ.лиц.', '', 'inherit', 'open', 'closed', '', '9f631df2-06a9-4077-90ff-eb6d0038d57b', '', '', '2021-05-26 14:30:04', '2021-05-26 14:30:04', '', 163, 'http://pamtest.ru/wp-content/uploads/2021/05/9f631df2-06a9-4077-90ff-eb6d0038d57b.jpg', 0, 'attachment', 'image/jpeg', 0), (166, 1, '2021-01-26 14:44:00', '2021-01-26 14:44:00', '\n

Мы уже многое писали о выгодах для самозанятых на платформе Пампаду. Самый существенный из них — это возможность выводить деньги мгновенно в один клик, когда вам это удобно

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\"Статус
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Сегодня раскроем вопрос — «Кто же такой, этот самозанятой» ?

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Согласно закону самозанятый — это человек, который платит специальный налог на профессиональный доход (НПД). При этом не нужно дополнительно отчислять подоходный налог или налог на прибыль.

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Исходя из опроса наших пользователей, мы услышали много разных заблуждений про переход в статус самозанятого. Подробно о каждом, мы написали здесь : Мифы и легенды про самозанятых.

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Больше всего встречались 2 заблуждения :

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«Ой, там все сложно»

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«Мне наверное нужно будет что-то за это платить, я потеряю в деньгах, все поступления на карту теперсь облагаются налогом»

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О каждом подробнее:

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Ой, там все сложно я запутаюсь в этих налогах и чеках

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А вот и нет! «У страха глаза велики», как говорится в пословице.

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Чеки: все чеки мы формируем самостоятельно при каждом выводе денежных средств. Они появляются на нашем сайте в личном кабинете раздел «Выплаты», а также в приложении «Мой налог». Чек — это подтверждения оказанной услуги, в нашем с вами случае «Маркетинг и реклама». Вам нечего оформлять не нужно.

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Размер налога: самостоятельно ничего считать не нужно. Если только в целях самоконтроля. Суммируя сформированные чеки, налоговая будет знать, какой у вас доход и автоматически посчитает и покажется сколько и когда нужно оплатить (6% от поступлений). Напоминаем мы переводим вам +6% на оплату налога.

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Оплата налога: каждый месяц, до 12 числа, вы будете получать уведомление в смс и приложении из ФНС с суммой налога за предыдущий месяц. То, есть, сумму налога, например, за январь 2020 года, вы узнаете до 12 февраля 2020 года. Зайдя в приложение, кликнув на кнопку «Оплатить» сможете заплатить налог, как оплата через сбербанк онлайн или проще.

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Мне наверное нужно будет что-то за это платить, я потеряю в деньгах

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Наоборот вы получите больше!

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— При каждом переводе мы добавим 6% к поступлению на карту
— При регистрации в качестве самозанятого вы получите бонус 10 000 руб на уплату будущих налогов от государства.

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Вам нужно будет платить 4% вместо 6% с поступлений от юридических лиц, таких как мы, скидка будет действовать пока не исчерпается бонус 10 000 руб. Однако, мы все равно будем вам компенсировать 6%. Учитывая снижение налога до 4%, вы будете получать +2% ко всем выплатам в качестве самозанятого.

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Все средства которые поступили мне на карту облагаются налогом?

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Конечно нет, налог оплачивается с того дохода, к которому вы в приложении пробили чек. Если вам пришла зп или иное поступление, не связанное с деятельностью не пробивайте чек и это поступление не будет учитываться как доход.

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Вывод: Мы без лишней скромности можем сказать, что это самый удобный, прозрачный, официальный, а главное выгодный для вас способ получения комиссии за проданные полисы! Очень постарались, чтобы у вас не было ни одной преграды, чтобы перейти на режим быстрых выплат. Поэтому мы уверены в том, что подавляющее большинство из вас начнет получать деньги, когда вам удобно. Уже 1500 агентов выводят свою комиссию мгновенно в статусе самозанятого. Пора присоединяться к ним)

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Инструкция как перейти в статус самозанятого: Быстрые выплаты на Пампаду

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Желаем вам хороших продаж
С любовью, команда Пампаду! ?

\n', 'Статус самозанятый', '', 'publish', 'open', 'open', '', 'status-samozanyatyj', '', '', '2021-01-26 14:44:00', '2021-01-26 14:44:00', '', 0, 'https://blg.pampadu.ru/?p=166', 0, 'post', '', 0), (167, 1, '2021-05-26 14:42:52', '2021-05-26 14:42:52', '', 'Статус самозанятый', '', 'inherit', 'open', 'closed', '', 'newss-1', '', '', '2021-05-26 14:42:52', '2021-05-26 14:42:52', '', 166, 'http://pamtest.ru/wp-content/uploads/2021/05/newss-1.jpg', 0, 'attachment', 'image/jpeg', 0), (170, 1, '2021-03-21 14:58:00', '2021-03-21 14:58:00', '\n

Марафон подошел к концу, а это значит, что в течение двух прошедших недель были подняты комиссии КВ во всех активно продающих страховых компаниях, по всем регионам и для всех пользователей.

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Повышение бессрочное и теперь пользователи Пампаду зарабатывают больше и быстрее. Напоминаем, что физ. лица могут вывести вознаграждение сразу после продажи полиса. Как в статусе самозанятого, так и БЕЗ него.

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Мы уверены, что вы оцените эти изменения. Для кого-то это станет поводом начать работать с Пампаду, а для других стимулом увеличивать текущие продажи. А мы неизменно продолжим радовать вас обновлениями, новыми страховыми компаниями и продуктами.

\n\n\n\n

С любовью к своему делу,
Команда Пампаду

\n', 'Повысили КВ по 16-ти СК', '', 'publish', 'open', 'open', '', 'povysili-kv-po-16-ti-sk', '', '', '2021-03-21 14:58:00', '2021-03-21 14:58:00', '', 0, 'https://blg.pampadu.ru/?p=170', 0, 'post', '', 0), (171, 1, '2021-05-26 15:02:43', '2021-05-26 15:02:43', '', 'Комиссионное вознаграждение', '', 'inherit', 'open', 'closed', '', '3fqmktwife8-1', '', '', '2021-05-26 15:02:43', '2021-05-26 15:02:43', '', 170, 'http://pamtest.ru/wp-content/uploads/2021/05/3fQMKtWiFE8-1.jpg', 0, 'attachment', 'image/jpeg', 0), (173, 1, '2021-04-28 15:11:00', '2021-04-28 15:11:00', '\n

Привет! Это короткая сводка обновлений и улучшений, которые произошли в Пампаду за последнее время, но о которых вы наверняка не в курсе: пролонгация Ингосстраха, Альфы, новый первый этап, доработки виджета и многое другое.

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  1. Добавлена упрощенная пролонгация по Ингосстраху
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Заполнив всего несколько полей, можно найти и в два клика продлить полис от Ингосстраха без изменений. Напоминаем Ингосстрах платит повышенное вознаграждение за продление.

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\"Новости
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2. Упростили пролонгацию в Альфа-Страхование

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\"Новости
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Теперь нужно заполнить меньше полей, чтобы продлить полис.

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3. Полностью обновили первый этап оформления полиса.

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Он стал проще к заполнению, визуально и технически легче, чтобы допускать меньше ошибок. Теперь черновик можно сохранить с любым количеством заполненных полей, а система подскажет если вы потенциально ошибаетесь при заполнении данных. Те, у кого подвисал первый этап из-за слабого компьютера или интернета теперь не испытывают таких проблем. Появилась возможность проверить историю КБМ водителя сразу из оформляемого полиса.

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4. Улучшили продажи ОСАГО через виджет

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Во время тестирования виджета вместе с командой мобильного приложения сети АЗС «Газпромнефть», мы выявили ряд узких мест и технических ошибок. Их исправление привело к росту шанса успешного оформления полиса на сайтах и в приложениях партнеров. Теперь виджет использует все те механики и подсказки, уже используемые в личном кабинете, которые помогают успешно пройти скоринг и купить полис в одной из 16 компаний. Попробуйте, установив виджет на неделю-две вместо вашего текущего решения.

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\"https://gazprom-neft.blg.pampadu.ru/\"/
https://gazprom-neft.blg.pampadu.ru/
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5. Мелкие доработки
— Больше 40 исправлений и улучшений в работе страховых компаний
— Согаз при расчете теперь показывает все коэффициенты
— Перезапустили продажи в ВСК
— Реализован метод, повышающий шанс оформления в СК Согласие
— В виджете можно отключить отправление сообщение от Pampadu
— Возможность восстановить КБМ без отчества
— Возобновлены продажи в Евроинс

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6. Реализовали поиск и проверку № Диагностической карты
Теперь через виджет и личный кабинет помогаем найти действующую диагностическую карту. С каждым днем поиск будет работать лучше и повышать % найденных техосмотров, что облегчит вам или клиенту покупку полиса. Однако, до 1 октября 2021 в личном кабинете Пампаду все еще можно оформить полис без действующей карты техосмотра.

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Мы не рассказываем вам еще о десятках мелких правок и доработок. Все, что нам сообщают в поддержку берется в работу и исправляется или реализуется в течение недели-двух. Спасибо за вашу обратную связь.

\n\n\n\n

С любовью к своему делу,
Команда Пампаду ?

\n', 'Новости Пампаду 28.04.21', '', 'publish', 'open', 'open', '', 'novosti', '', '', '2021-04-28 15:11:00', '2021-04-28 15:11:00', '', 0, 'https://blg.pampadu.ru/?p=173', 0, 'post', '', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (176, 1, '2021-05-26 15:29:33', '2021-05-26 15:29:33', '\n

Как получить выплату комиссии уже сегодня, сейчас через 15 минут? 
Прочитать этот текст на 3 минут и стать самозанятым.

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Страшно и непонятно? Думаете это не для вас? Без воды развенчиваем ваших 5 самых распространенных заблуждения и страхов.

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  1. Вы думаете вам нельзя быть самозанятым?
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Самозанятым может быть любой гражданин РФ из любого региона, ДАЖЕ если он официально работает, ДАЖЕ если он работает в страховой компании. Вы вправе в свободное время заниматься любой деятельность и никто не может вам запрещать репетиторство или привлечение клиентов на ОСАГО.

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2. Вы думаете долго регистрироваться?

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Пятнадцать минут проходит от момента выбора в личном кабинете Пампаду способа выплат самозанятому до момента, когда вы уже зарегистрировались и выбираете сколько вывести с баланса. Мы подсказываем вам на каждом этапе куда нажать и что сделать - ошибиться почти нереально. Есть бабушки 65 лет, которые с нашей помощью стали самозанятыми.

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3. Вы думаете нужно сдавать декларации, выписывать чеки?

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Самозанятые НЕ сдают НИКАИХ деклараций и отчетов. В личном кабинете или приложении «мой налог» автоматически рассчитывается налог (4-6%) с поступлений, на которые сформирован чек. При выводе мы прибавляем вам 6%. Вам НЕ нужно формировать чек самостоятельно, мы сделаем это за вас автоматически.

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4. Буду платить налог со всех поступлений на карту?

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НЕТ, вы платите налог только с той суммы на которую сформируете чек. Продолжайте пользоваться той же картой и ТОЛЬКО если будет сформирован чек, то ТОЛЬКО с этой суммы вам будет начислен налог. Приложение «Мой налог» или в личном кабинете Гос.услуг, будет напоминание, когда нужно оплатить налог. Это как оплатить полис ОСАГО - просто указать банковскую карту.

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5. Агентская и страховая деятельность не подходит для самозанятых?

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Подходит, так как вы с нами работаете НЕ по агентскому договору а по оферте, в которой черным по белому написано, что вы привлекаете клиентов на покупку страховки - оказываете рекламные услуги. Даже оплата за полис происходит на сайте страховой компании. На сформированном чеке будет указана услуга «Маркетинг и реклама».

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Пятнадцать минут на регистрацию и через 5 минут деньги у вас на карте. Мы действительно не видим ни одной причины не быть самозанятым и не выводить деньги, когда удобно. Только если вы ИП и ООО, то выгоднее ничего не менять.
Подробнее: https://help.blg.pampadu.ru/article/3206

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Не согласны? Напишите на SL@blg.pampadu.ru

\n\n\n\n

С любовью к своему делу,
Команда Пампаду?

\n', 'Пять страхов самозанятых', 'Без воды развенчиваем самые распространенные мифы про самозанятость', 'publish', 'open', 'open', '', 'pyat-strahov-samozanyatyh', '', '', '2021-05-26 15:29:33', '2021-05-26 15:29:33', '', 0, 'https://blg.pampadu.ru/?p=176', 0, 'post', '', 0), (180, 1, '2021-05-26 15:50:20', '2021-05-26 15:50:20', '\n
\nhttps://www.youtube.com/watch?v=WqJWPnTIOmo\n
\n\n\n\n

 Встречайте 1-й урок нашего курса для Страховых Агентов:
«Автострахование ОСАГО в 2021. Сколько можно заработать».

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В этом видео мы выясним, что же такое страхование, поговорим о российском рынке автострахования ОСАГО и его основных участниках.

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Дополнительные материалы по уроку:
1. График по видам страхования от ЦБ 
2. Сайт РСА для проверки КБМ
3. Глоссарий по страхованию
4. Презентация к уроку 

\n\n\n\n

 Изучайте урок и зарабатывайте на страховании с Пампаду уже сегодня

\n', '1-й урок — «Автострахование ОСАГО в 2021 — Сколько можно заработать»', 'Смотрите видео про то, что такое страхование, чем примечателен рынок ОСАГО и кто его основные участники.', 'publish', 'open', 'open', '', 'avtostrahovanie-osago-v-2021-skolko-mozhno-zarabotat', '', '', '2021-05-26 15:50:20', '2021-05-26 15:50:20', '', 0, 'https://blg.pampadu.ru/?p=180', 0, 'post', '', 0), (181, 1, '2021-05-26 15:49:59', '2021-05-26 15:49:59', '', '2 (3)', '', 'inherit', 'open', 'closed', '', '2-3', '', '', '2021-05-26 15:49:59', '2021-05-26 15:49:59', '', 180, 'http://pamtest.ru/wp-content/uploads/2021/05/2-3.jpg', 0, 'attachment', 'image/jpeg', 0), (186, 1, '2021-03-17 15:49:00', '2021-03-17 15:49:00', '\n

Уважаемые Агенты! Стартует новая акция по Зеленому коридору от СК “АльфаСтрахование” с Призовым фондом - 150 000 руб.

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? Пампаду разыгрывает 153 призовых места, оформи три и более полисов по ЗК и получи денежный приз!

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Призовые места для агентов:?

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1 место: от 20 полисов: +2500 руб. 8 призовых мест

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2 место: от 15 до 19 полисов: +2000 руб. 15 призовых мест

\n\n\n\n

3 место: от 10 до 14 полисов: +1500 руб. 20 призовых мест

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4 место: от 5 до 9 полисов: +1000 руб. 30 призовых мест

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5 место: от 3 полисов +500 руб. 80 призовых мест

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Подробнее про зеленый коридор читайте тут: https://help.blg.pampadu.ru/article/2739

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? Срок проведения акции с 17.03.2021 по 16.04.2021 года. Призовое место получает тот, кто быстрее всех оформил необходимое количество полисов. Спешите, количество призовых мест ограниченно!

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Подведение итогов 16 апреля 2021. Деньги поступят на счет в личном кабинете, где вы их сможете вывести в стандартном режиме.

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Желаем вам хороших продаж

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С любовью, команда Пампаду! ?

\n', 'Пампаду разыгрывает 150 тыс.руб по акции «Зеленый коридор» с 17.03.2021 по 16.04.2021', '', 'publish', 'open', 'open', '', 'pampadu-razygryvaet-150-tys-rub-po-aktsii-zelenyj-koridor', '', '', '2021-03-17 15:49:00', '2021-03-17 15:49:00', '', 0, 'https://blg.pampadu.ru/?p=186', 0, 'post', '', 0), (187, 1, '2021-05-27 15:49:16', '2021-05-27 15:49:16', '', 'Зеленый коридор', '', 'inherit', 'open', 'closed', '', 'bez-teksta', '', '', '2021-05-27 15:49:16', '2021-05-27 15:49:16', '', 186, 'http://pamtest.ru/wp-content/uploads/2021/05/bez-teksta.jpg', 0, 'attachment', 'image/jpeg', 0), (189, 1, '2021-01-15 16:00:00', '2021-01-15 16:00:00', '\n

Дорогие агенты, совсем недавно закончилась прошлая акция по зеленому коридору Альфы в декабре, где приняло участие свыше 800 агентов, 50 из них получили по 2000 рублей (те, кто оформил больше всего полисов по зеленому коридору). Огромное вам спасибо, за такую активность. Было сделано рекордное число продаж по ЗК. Давайте повторим?

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Встречайте: «Пампаду разыгрывает 100 000 рублей в феврале»
Мы решили по собственной инициативе запустить акцию повторно.

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Условия просты:

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? В период с 15 января по 16 февраля оформляйте полис Е-ОСАГО СК «АльфаСтрахование» по программе «Зеленый коридор» через платформу Пампаду;

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Что такое зеленый коридор читайте тут - https://help.blg.pampadu.ru/article/2739

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? Количество победителей 50 человек, получат по 2000 рублей (те кто больше всего оформил полисов по зеленому коридору Альфа-Страхование)

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? Подведение итогов 17 февраля. Деньги поступят на счет в личном кабинете, где вы их сможете вывести в стандартном режиме.

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Напоминаем, что мы на Пампаду реализовали уникальный функционал, который подсказывает и помогает оформить полис через зеленый коридор. Это значит, что получить повышенную комиссию стало гораздо проще. Проверяйте!

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Желаем вам хороших продаж
С любовью, команда Пампаду! ?

\n', 'Пампаду разыгрывает 100 тыс.руб!', '', 'publish', 'open', 'open', '', 'pampadu-razygryvaet-100-tys-rub', '', '', '2021-01-15 16:00:00', '2021-01-15 16:00:00', '', 0, 'https://blg.pampadu.ru/?p=189', 0, 'post', '', 0), (191, 1, '2021-05-27 15:59:58', '2021-05-27 15:59:58', '', 'В период с 15 января по 16 февраля оформляйте полис Е-ОСАГО СК «АльфаСтрахование» по программе «Зеленый коридор» через платформу Пампаду;', '', 'inherit', 'open', 'closed', '', 'pdg-5', '', '', '2021-05-27 15:59:58', '2021-05-27 15:59:58', '', 189, 'http://pamtest.ru/wp-content/uploads/2021/05/pdg-5.jpg', 0, 'attachment', 'image/jpeg', 0), (193, 1, '2021-04-13 16:04:00', '2021-04-13 16:04:00', '\n

Уважаемые агенты, сегодня запускаем акцию \"Реферальный бум\" - разыгрываем 20 000 рублей.

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Это отличная возможность увеличить вашу реферальную сеть и начать больше зарабатывать на платформе Пампаду.

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Разыгрываем 3 призовых места за самое большое количество продаж агентами привлеченными по реферальной программе:
1 место 9000р
2 место 7000р
3 место 4000р

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Подробнее об условиях:
-Бонусы будут начислены на Баланс 13.05.21
-Пригласите как можно больше активных агентов по вашей реферальной ссылке, c 13.04 по 13.05 подсчитаем общее число продаж приглашенных агентов и выявим победителей.

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P.S Количество продаж реферальных агентов привлеченных до 13.04 учитываться не будет.

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Подробнее о реферальной программе и какие выгоды она дает читайте здесь

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Cкопируйте и отправьте свою реферальную ссылку прямо сейчас в личном кабинете. https://agents.blg.pampadu.ru/#/app/agents/referal

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С любовью к своему делу,
Команда Пампаду?

\n', 'Разыгрываем 20000р по реферальной программе', '', 'publish', 'open', 'open', '', 'razygryvaem-20000r-po-referalnoj-programme', '', '', '2021-04-13 16:04:00', '2021-04-13 16:04:00', '', 0, 'https://blg.pampadu.ru/?p=193', 0, 'post', '', 0), (196, 1, '2021-05-18 16:12:00', '2021-05-18 16:12:00', '\n

Уважаемые агенты, мы запускаем новую Акцию +500 рублей за первые 2 полиса ОСАГО, для агентов, у которых еще нет ни одного проданного полиса 

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Условия акции:
С 18.05.2021 по 01.06.2021 оформи 2 полиса и получи +500 руб. на счёт в личном кабинете. Бонусы будут начисляться каждую пятницу до окончания акции.
P.S в Акции могут принять участие, те, у кого нет ни одного проданного полиса и кто зарегистрировался до 31.03.2021

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Желаем вам удачи и отличных продаж.

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С любовью к своему делу,
Команда blg.pampadu.ru

\n', 'Дарим +500р за первые 2 полиса', 'Запускаем Акцию для агентов, у которых еще нет ни одного проданного полиса.', 'publish', 'open', 'open', '', 'darim-500r-za-pervye-2-polisa', '', '', '2021-05-18 16:12:00', '2021-05-18 16:12:00', '', 0, 'https://blg.pampadu.ru/?p=196', 0, 'post', '', 0), (207, 1, '2021-05-31 09:19:06', '2021-05-31 09:19:06', '', 'Group 76', '', 'inherit', 'open', 'closed', '', 'group-76', '', '', '2021-05-31 09:19:06', '2021-05-31 09:19:06', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/05/Group-76.png', 0, 'attachment', 'image/png', 0), (208, 1, '2021-05-31 09:19:15', '2021-05-31 09:19:15', '', 'Group 76', '', 'inherit', 'open', 'closed', '', 'group-76-2', '', '', '2021-05-31 09:19:15', '2021-05-31 09:19:15', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/05/Group-76-1.png', 0, 'attachment', 'image/png', 0), (211, 1, '2021-05-31 09:22:12', '2021-05-31 09:22:12', '', 'Group 76', '', 'inherit', 'open', 'closed', '', 'group-76-3', '', '', '2021-05-31 09:22:12', '2021-05-31 09:22:12', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/05/Group-76-2.png', 0, 'attachment', 'image/png', 0), (223, 1, '2021-06-01 10:38:57', '2021-06-01 10:38:57', '\n

Отличная новость!

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Вновь доступны быстрые выплаты для физических лиц, даже без статуса самозанятого!
Мы ускорили время от заявки до получения денег на карту. Заходите в баланс и выбирайте удобный способ вывода денежных средств сразу после продажи. Только для физических лиц.

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P.S. Перейдите на режим быстрых выплат до 14 Июня, если не хотите, чтобы вся сумма за продажи Мая была вам выплачена в ежемесячном режиме.

\n', 'Быстрые выплаты для Физ.лиц вновь Доступны', 'Отличная новость! Мы ускорили срок выплат для физических лиц. ', 'publish', 'open', 'open', '', 'bystrye-vyplaty-dlya-fiz-lits-2', '', '', '2021-06-01 10:38:57', '2021-06-01 10:38:57', '', 0, 'https://blg.pampadu.ru/?p=223', 0, 'post', '', 0), (247, 1, '2021-06-03 09:50:22', '2021-06-03 09:50:22', '\n
\nhttps://www.youtube.com/watch?v=Y2SUowu6xyY&t=1s\n
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Основатель Пампаду Сергей Локтев ответил на самый важный вопрос: как работает Пампаду и кому мы помогаем зарабатывать на продаже страховых полисов.

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Ссылка на предыдущий урок «Как заработать на ОСАГО. Первые шаги в страховом бизнесе» https://youtu.be/ZDUBh5G0bl4

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Все еще остались вопросы? Переходите в раздел «Помощь» — help.blg.pampadu.ru

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С любовью к своему делу,
Команда Пампаду?

\n', '3-й урок — «Как работает сервис Пампаду»', 'Основатель Пампаду Сергей Локтев о том, как работает Пампаду и кому мы помогаем зарабатывать на продаже страховых полисов.', 'publish', 'open', 'open', '', '3-j-urok-kak-rabotaet-servis-pampadu', '', '', '2021-06-03 09:50:22', '2021-06-03 09:50:22', '', 0, 'https://blg.pampadu.ru/?p=247', 0, 'post', '', 0), (249, 1, '2021-06-03 09:55:44', '2021-06-03 09:55:44', '', '', '', 'inherit', 'open', 'closed', '', '4-_1_', '', '', '2021-06-03 09:55:44', '2021-06-03 09:55:44', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/06/4-_1_.jpg', 0, 'attachment', 'image/jpeg', 0), (260, 1, '2021-06-04 11:34:29', '2021-06-04 11:34:29', '\n

С начала Июня сразу несколько компании внесли изменения в размер вознаграждения по ОСАГО. Части регионам повезло. По региону Москва, Московская область видим явный, не скрытый сговор крупнейших страховщиков, от которых одновременно пришло сообщение о небольшом снижении до одинакового размера :)

Напоминаем, что актуальный размер вознаграждения в конкретном регионе вы всегда можете узнать в личном кабинете в разделе \"Моя Комиссия\". Там же есть ссылка на единую таблицу.

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Давайте разберемся, где именно произошли изменения:

1. Согаз, Согласие немного снижают комиссию в Москве и МО. В случае Альфы и Ингосстраха изменения коснулись как нового договора, так и пролонгации с зеленым коридором.

2. Альфа-Страхование закрыли оформление новых договоров в Волгоградской, Калининградской, Оренбургской областях и в респ. Башкортостан, но открыли пролонгацию в Пензенской области.

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3. СК \"МАКС\" ввело новые ограничения сегментации:
- КБМ от 0.95 и ниже.
- Автомобиль не старше 12 лет
- По части регионов мощность от 101 л.с.
Вам не нужно запоминать условия. Делайте расчет и мы сами проверим сегментацию и покажем актуальную комиссию по каждой страховой компании.

4. Росгосстрах провела изменения комиссий по многим регионам. В 30 регионах комиссия снизилась, а в 23 наоборот возросла. Вот каких регионах комиссия была увеличена:

Амурская Область, Владимирская Область, Волгоградская Область, Город Москва, Город Санкт-Петербург, Кемеровская Область, Краснодарский Край, Курганская Область, Ленинградская Область, Липецкая Область, Московская Область, Мурманская Область, Ненецкий Автономный округ, Нижегородская Область, Республика Адыгея (Адыгея), Республика Калмыкия, Ростовская Область, Санкт-Петербург, Ставропольский Край, Ульяновская Область, Челябинская Область, Чукотский Автономный округ, Ярославская Область.

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Как мы и писали ранее, к середине года всегда происходят корректировки вознаграждений, так как страховые компании получают первые данные по убыткам текущего года. Обычно во второй половине года и до конца, размер вознаграждения начинает рости, чтобы успешно выполнить годовые планы продаж. Будем ждать. От себя хотим отметить, что мы стараемся агентам выдать максимально высокий размер КВ. Проверяйте и сравнивайте в личном кабинете!

С любовью с своему делу,
Команда Пампаду ?

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\n', 'Изменение комиссий по ОСАГО в Июне', 'Новости про изменения в размерах вознаграждения, которые внесли сразу несколько компаний в июне.', 'publish', 'open', 'open', '', 'izmenenie-komissij-po-osago-v-iyune', '', '', '2021-06-04 11:34:29', '2021-06-04 11:34:29', '', 0, 'https://blg.pampadu.ru/?p=260', 0, 'post', '', 0), (274, 1, '2021-06-04 11:31:07', '2021-06-04 11:31:07', '', '13.ddb74805', '', 'inherit', 'open', 'closed', '', '13-ddb74805', '', '', '2021-06-04 11:31:07', '2021-06-04 11:31:07', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/06/13.ddb74805.png', 0, 'attachment', 'image/png', 0), (275, 1, '2021-06-07 08:43:03', '2021-06-07 08:43:03', '\n
\nhttps://www.youtube.com/watch?v=T6zEePDgiaY&t=1s\n
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Встречайте 4-й урок нашего курса для Страховых Агентов:
В этом видео Виталий расскажет, какими качествами и навыками должен обладать успешный страховой агент.

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Ссылка на предыдущий урок «Как работает сервис Пампаду?»
https://youtu.be/Y2SUowu6xyY

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Дополнительные материалы по уроку:
- Схема написания цели по SMART системе 
- Презентация к уроку 

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С любовью к своему делу,
Команда blg.pampadu.ru ?

\n', '4-й урок — «Кто такой страховой агент. Основы эффективной работы»', 'Презентуем видео с рекомендациями эксперта, какими качествами и навыками должен обладать успешный страховой агент.', 'publish', 'open', 'open', '', '4-j-urok-kto-takoj-strahovoj-agent-osnovy-effektivnoj-raboty', '', '', '2021-06-07 08:43:03', '2021-06-07 08:43:03', '', 0, 'https://blg.pampadu.ru/?p=275', 0, 'post', '', 0), (283, 1, '2021-06-10 09:40:54', '2021-06-10 09:40:54', '\n
\nhttps://www.youtube.com/watch?v=NPvRXWwQj0g\n
\n\n\n\n

Встречайте 5-й урок нашего курса: «Как страховому агенту найти клиентов. Пошаговый план».

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В этом видео Виталий расскажет: как и где найти своего клиента, поделится стратегией поиска, правилами формирования клиентской базы и расскажет свои лайфхаки для ее привлечения и удержания.

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Ссылка на предыдущий урок «Кто такой страховой агент. Основы эффективной работы» https://youtu.be/T6zEePDgiaY

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Дополнительные материалы по уроку:
-Шаблоны писем
-Список из 45 заголовков
-Презентация к уроку

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С любовью к своему делу,
Команда Пампаду?

\n', '5-й урок — «Как страховому агенту найти клиентов. Пошаговый план»', 'В видео эксперт расскажет, как искать клиентов, и поделится лайфхаками по привлечению и удержанию клиентской базы.', 'publish', 'open', 'open', '', '5-j-urok-kak-strahovomu-agentu-najti-klientov-poshagovyj-plan', '', '', '2021-06-10 09:40:54', '2021-06-10 09:40:54', '', 0, 'https://blg.pampadu.ru/?p=283', 0, 'post', '', 0), (292, 1, '2021-06-14 13:43:55', '2021-06-14 13:43:55', 'a:8:{s:8:\"location\";a:1:{i:0;a:1:{i:0;a:3:{s:5:\"param\";s:12:\"options_page\";s:8:\"operator\";s:2:\"==\";s:5:\"value\";s:22:\"theme-general-settings\";}}}s:8:\"position\";s:6:\"normal\";s:5:\"style\";s:7:\"default\";s:15:\"label_placement\";s:3:\"top\";s:21:\"instruction_placement\";s:5:\"label\";s:14:\"hide_on_screen\";s:0:\"\";s:11:\"description\";s:0:\"\";s:12:\"show_in_rest\";b:0;}', 'Single Post Page', 'single-post-page', 'publish', 'closed', 'closed', '', 'group_60c75b8ba290f', '', '', '2023-09-11 16:33:52', '2023-09-11 13:33:52', '', 0, 'https://blg.pampadu.ru/?p=292', 0, 'acf-field-group', '', 0), (293, 1, '2021-06-14 13:43:55', '2021-06-14 13:43:55', 'a:11:{s:10:\"aria-label\";s:0:\"\";s:4:\"type\";s:7:\"wysiwyg\";s:12:\"instructions\";s:0:\"\";s:8:\"required\";i:0;s:17:\"conditional_logic\";i:0;s:7:\"wrapper\";a:3:{s:5:\"width\";s:0:\"\";s:5:\"class\";s:0:\"\";s:2:\"id\";s:0:\"\";}s:13:\"default_value\";s:0:\"\";s:4:\"tabs\";s:3:\"all\";s:7:\"toolbar\";s:4:\"full\";s:12:\"media_upload\";i:1;s:5:\"delay\";i:0;}', 'Single Post Page Telegram Text', 'telegram_text', 'publish', 'closed', 'closed', '', 'field_60c75b9e80fd3', '', '', '2023-09-11 16:33:51', '2023-09-11 13:33:51', '', 292, 'https://blg.pampadu.ru/?post_type=acf-field&p=293', 0, 'acf-field', '', 0), (294, 1, '2021-06-15 09:25:12', '2021-06-15 09:25:12', '\n
\nhttps://www.youtube.com/watch?v=MVz7DYLzR9k\n
\n\n\n\n

Встречайте 6-й видеоурок: «Как страховому агенту задавать вопросы и работать с возражениями».

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В этом видеоуроке поговорим о важности выявления потребностей клиентов и умения вести разговор. Виталий поделится способами преодоления сложностей, которые могут возникнуть у страхового агента при продажах.

\n\n\n\n

Ссылка на предыдущий урок «Как страховому агенту найти клиентов. Пошаговый план».

\n\n\n\n

Дополнительные материалы по уроку:
- Шаблоны ответов на частые возражения
- Презентация к уроку

\n\n\n\n

С любовью к своему делу,
Команда Пампаду?

\n', '6-й урок — «Как страховому агенту задавать вопросы и работать с возражениями»', 'Поговорим о том, как выявлять потребности клиентов и вести разговор при продажах.', 'publish', 'open', 'open', '', '6-j-urok-kak-strahovomu-agentu-zadavat-voprosy-i-rabotat-s-vozrazheniyami', '', '', '2021-06-15 09:25:12', '2021-06-15 09:25:12', '', 0, 'https://blg.pampadu.ru/?p=294', 0, 'post', '', 0), (297, 1, '2021-06-17 14:21:11', '2021-06-17 14:21:11', '\n

Мы активно развиваем сервис и к концу года подключим все виды страхования. А сегодня рады сообщить о нашем новом продукте — страховании ипотеки.

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Доступ к нему уже открыли первым 3000 пользователям, а вскоре развернем для всех агентов. Проверьте в личном кабинете, есть ли вы среди первопроходцев :) Для этого кликните в меню «Новый полис» и в развернувшемся списке продуктов ищите ипотеку. 

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\"оформить
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Логика заполнения почти такая же, как у е-ОСАГО. Ничего сложного в ней нет. Да что говорить, открывайте и оценивайте сами. Если возникнут вопросы — пишите в чат поддержки или ищите ответы в разделе «Помощь».

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Зачем агенту новый продукт

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Большинство людей не могут купить жилье за наличный расчет и приобретают его в кредит. А по закону ответственность ипотечного заемщика перед банком должна быть застрахована. И продлеваться ежегодно. Потому найти клиентов не составит труда. Поспрашивайте знакомых, коллег или друзей, наверняка среди них есть те, кому нужна помощь. Подберите им страховку с оптимальными условиями, а самое главное — значительно дешевле, чем предлагает банк-кредитор.

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Для чего используется страхование ипотеки

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Страхование ипотеки гарантирует банку, что долг будет выплачен даже если с заложенным имуществом или его клиентом что-то случится. А застрахованный заемщик и его наследники получают финансовую защиту от претензий в случае утраты трудоспособности или смерти.

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Без страховки банки не выдадут ипотечный кредит. И в случае просрочки ежегодного продления применят штрафные санкции. Какие именно — прописывается в кредитном договоре.

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И хотя в ФЗ-102 «Об ипотеке» говорится лишь про обязанность заемщика страховать залоговое имущество, банки зачастую требуют дополнительно страховку жизни и здоровья. А при отказе — повышают процентную ставку, что в итоге невыгодно самому заемщику.

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В чем преимущества pampadu.ru

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Наш сервис дает возможность выбрать оптимальные условия из предложенных четырьмя страховыми компаниями: АльфаСтрахование, Абсолют Страхование, Зетта Страхование, Пари. Они занимают высокий рейтинг финансовой надежности и аккредитованы в восьми ведущих банках:
— Сбербанк,
— ВТБ,
— Газпромбанк, 
— Московский кредитный банк, 
— Райффайзенбанк,
— Банк Санкт-Петербург,
— Юникредит Банк,
— Банк Дом РФ.

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Другие преимущества нашего сервиса:
— онлайн-расчет стоимости полиса по четырем СК;
— выбор типа страхования: отдельно по имуществу и жизни/здоровью или комплексно;
— оплата напрямую на сайте страховой компании;
— комиссионное вознаграждение до 35%;
— поступление комиссии на баланс сразу после оплаты;
— загрузка документов не требуется;
— время оформления — 7 минут.

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С любовью к своему делу,
Команда Пампаду

\n', 'Теперь на pampadu.ru есть страхование ипотеки!', 'Мы активно развиваем сервис и к концу года подключим все виды страхования. А сегодня рады сообщить о нашем новом продукте — страховании ипотеки', 'publish', 'open', 'open', '', 'na-pampadu-ru-est-strahovanie-ipoteki', '', '', '2021-06-17 14:21:11', '2021-06-17 14:21:11', '', 0, 'https://blg.pampadu.ru/?p=297', 0, 'post', '', 0), (304, 1, '2021-06-16 12:37:18', '2021-06-16 12:37:18', '', 'GIF-16.06.2021-15-31-57', '', 'inherit', 'open', 'closed', '', 'gif-16-06-2021-15-31-57', '', '', '2021-06-16 12:37:18', '2021-06-16 12:37:18', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/06/GIF-16.06.2021-15-31-57.gif', 0, 'attachment', 'image/gif', 0), (307, 1, '2021-06-16 12:40:28', '2021-06-16 12:40:28', '', 'страхование ипотеки на Pampadu', '', 'inherit', 'open', 'closed', '', 'gif-16-06-2021-15-31-57-2', '', '', '2021-06-16 12:40:28', '2021-06-16 12:40:28', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/06/GIF-16.06.2021-15-31-57-1.gif', 0, 'attachment', 'image/gif', 0), (310, 1, '2021-06-16 12:49:15', '2021-06-16 12:49:15', '', 'добавили страхование ипотеки в сервис Pampadu', '', 'inherit', 'open', 'closed', '', '4', '', '', '2021-06-16 12:49:15', '2021-06-16 12:49:15', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/06/4.jpg', 0, 'attachment', 'image/jpeg', 0), (317, 1, '2021-06-16 13:04:56', '2021-06-16 13:04:56', '', 'страхование ипотеки через сервис Pampadu', '', 'inherit', 'open', 'closed', '', 'final-1', '', '', '2021-06-16 13:04:56', '2021-06-16 13:04:56', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/06/Final-1.jpg', 0, 'attachment', 'image/jpeg', 0), (382, 1, '2021-06-17 10:18:52', '2021-06-17 10:18:52', '', 'GIF-17.06.2021-13-17-34', '', 'inherit', 'open', 'closed', '', 'gif-17-06-2021-13-17-34', '', '', '2021-06-17 10:18:52', '2021-06-17 10:18:52', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/06/GIF-17.06.2021-13-17-34.gif', 0, 'attachment', 'image/gif', 0), (396, 1, '2021-06-19 08:23:42', '2021-06-19 08:23:42', '\n
\nhttps://www.youtube.com/watch?v=RFIqVPvqWbA\n
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Встречайте 7-й видеоурок: «Частые вопросы про ОСАГО от страхователей - должен знать каждый агент»

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В этом видеоуроке Виталий перечислит вопросы, ответы на которые должен знать каждый страховой агент.

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Ссылка на предыдущий урок «Как агенту задавать вопросы и работать с возражениями»https://youtu.be/MVz7DYLzR9k

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С любовью к своему делу,
Команда Пампаду?

\n', '7-й урок — «Частые вопросы про ОСАГО от страхователей - должен знать каждый агент»', 'В этом видеоуроке Виталий перечислит вопросы, ответы на которые должен знать каждый страховой агент.', 'publish', 'open', 'open', '', '7-j-urok-chastye-voprosy-pro-osago-ot-strahovatelej-dolzhen-znat-kazhdyj-agent', '', '', '2021-06-19 08:23:42', '2021-06-19 08:23:42', '', 0, 'https://blg.pampadu.ru/?p=396', 0, 'post', '', 0), (399, 1, '2021-06-21 14:36:35', '2021-06-21 14:36:35', '\n

Встречайте новый актуальный продукт для всех у кого оформлено ипотечное страхование. В сервис интегрированы 4 страховые компании, которые позволяют оформлять страхование ипотеки в 8 ведущих банках. Среди них Сбербанк, ВТБ, Газпромбанк, Московский кредитный банк, Райффайзенбанк и др.

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- 4 страховые компании: Zetta, Альфа-Страхование, Пари, Абсолют
- Доступно страхование ипотеки в 8 банках
- Быстрый расчет стоимости по 4-м параметрам
- Отсутствие скоринга и отказов
- Возможность оформление комбинированного полиса или отдельно жизнь/имущество
- Комиссии до 35%

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Подробнее о продукте и специфике работы со страхованием ипотеки можете ознакомиться в разделе помощь:  Почитать подробнее

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Изучайте раздел «Помощь» и зарабатывайте до 35% вознаграждения с каждого проданного полиса.
В скоре мы выпустим ряд обучающих статей и видео где подробнее расскажем об этом продукте.
Страхование ипотеки - это нового осаго! Обязательно и ежегодно - все как мы любим ?

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С любовью к своему делу,
Команда Пампаду?

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\n', 'Страхование ипотеки доступно всем агентам в Пампаду', 'В сервис интегрированы 4 СК, аккредитованные в 8 ведущих банках. Среди них Сбербанк, ВТБ, Газпромбанк, Московский кредитный банк, Райффайзенбанк и др.', 'publish', 'open', 'open', '', 'strahovanie-ipoteki-dostupno-vsem-agentam-v-pampadu', '', '', '2021-06-21 14:36:35', '2021-06-21 14:36:35', '', 0, 'https://blg.pampadu.ru/?p=399', 0, 'post', '', 0), (406, 1, '2021-06-21 16:29:12', '2021-06-21 16:29:12', '', 'Lichnyj-kabinet-strahovogo-agenta-12-kompanij-s-komissiej-do-30-2021-06-21-18-31-36', '', 'inherit', 'open', 'closed', '', 'lichnyj-kabinet-strahovogo-agenta-12-kompanij-s-komissiej-do-30-2021-06-21-18-31-36', '', '', '2021-06-21 16:29:12', '2021-06-21 16:29:12', '', 399, 'http://pamtest.ru/wp-content/uploads/2021/06/Lichnyj-kabinet-strahovogo-agenta-12-kompanij-s-komissiej-do-30-2021-06-21-18-31-36.png', 0, 'attachment', 'image/png', 0), (410, 1, '2021-06-21 16:43:53', '2021-06-21 16:43:53', '', 'Lichnyj-kabinet-strahovogo-agenta-12-kompanij-s-komissiej-do-30-2021-06-21-18-31-36', '', 'inherit', 'open', 'closed', '', 'lichnyj-kabinet-strahovogo-agenta-12-kompanij-s-komissiej-do-30-2021-06-21-18-31-36-2', '', '', '2021-06-21 16:43:53', '2021-06-21 16:43:53', '', 399, 'http://pamtest.ru/wp-content/uploads/2021/06/Lichnyj-kabinet-strahovogo-agenta-12-kompanij-s-komissiej-do-30-2021-06-21-18-31-36.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (417, 1, '2021-06-22 08:46:11', '2021-06-22 08:46:11', '\n

Как известно, доход страхового агента не фиксируется, а напрямую зависит от его личного мастерства в продажах и количества времени, которое он тратит на поиски клиентов и ведение собственной базы для их удержания. Как увеличить свой доход и дополнительно монетизировать свою клиентскую базу? Основатель Пампаду.ру Сергей Локтев рекомендует начать с ипотечного страхования и рассказывает о том, почему это намного проще, чем может показаться и почему именно сейчас это актуально для агентов как никогда.

Если вы опытный агент, то вам хорошо знакома известная формула страхового бизнеса: ОСАГО покупается, другие полисы – продаются. Т.е. за ОСАГО клиенты приходят к нам сами, а другие виды страхования требуют нашего непосредственного активного участия, широкой профессиональной экспертизы и хороших навыков продаж. Поэтому, выбирая новый продукт для запуска, мы остановились на страховании ипотеки - условно обязательный вид, растущий спрос и предлагая который, у страхового агента будут явные преимущества. Давайте разберемся почему страхование ипотеки - это новое ОСАГО, как искать клиентов и оформлять полис?

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Ипотечное страхование. Что это и кому нужно?

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Главное, что стоит знать о страховании ипотеки агенту - это обязательный вид! Полис который нужен всем, кто покупает жилье в кредит. По закону получатель ипотечного кредита должен застраховать имущество, чтобы в случае его утраты, страховая компания компенсировала банку его стоимость. Также часто требуется страхование жизни заемщика, без которого банки повышают процентную ставку и выгоднее застраховать жизнь, нежели каждый месяц платить больший процент.

Итого ипотечное страхование — это:
— Страхование самого имущества (конструктива) от полного или частичного уничтожения в случае аварий или пожаров;
— Страхование жизни и здоровья от временной потери трудоспособности, инвалидности или смерти;
— Страхование права собственности — титула, в редких случаях требуется банками.
Подробнее вы можете почитать в разделе «Помощь», где собраны ответы на самые распространенные вопросы.

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Почему ипотека — это новое ОСАГО?

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Давайте разберемся по пунктам:

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1. Обязательный и ежегодный вид страхования на всем протяжении действия ипотеки — в среднем 20 лет.

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2. Стандартизирован и с помощью Пампаду оформляется как Е-ОСАГО — онлайн за 10 минут с оплатой напрямую в страховую компанию. Без анкет, загрузки документов и пр.

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3. Огромный спрос — 2020 и 2021 год стали рекордными за всю историю по количеству выданных ипотечных кредитов из-за низкой процентной ставки и бума на рынке жилья. Скупают все подряд и в тридорого, а это значит, что появилось огромное количество клиентов, кому нужно продлевать каждый год страховой полис. Только за этот и прошлый год было выдано ипотечных кредитов на сумму свыше 6.5 трлн. руб. — это в среднем больше 2.1 млн клиентов. Прибавьте сюда дополнительно всех, кто брал ипотечный кредит в прошлые годы и вот это все ваши потенциальные клиенты.

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4. С Агентом выгоднее — банки навязывают покупку страхового полиса в разы дороже, особенно во время выдачи кредита. Естественно, это нарушение ФЗ «О защите конкуренции» и постановления правительства РФ № 386. Поэтому, вы можете сделать предложение клиенту, которое будет существенно выгоднее, что дает вам отличное преимущество.

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Как и где найти клиентов?

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Итак, вы узнали, что клиент, с которым вы не первый год работаете по ОСАГО/КАСКО, решил брать ипотеку или уже выплачивает кредит, по которому скоро истекает срок страховки. Это отличная возможность предложить ваши профессиональные услуги тем, кто уже вам доверяет, и неплохо заработать. Но есть проблема — вы никогда не оформляли ипотечный полис и наслышаны о множестве сложных анкет с огромным количеством полей, которые предстоит часами заполнять. А еще ведь надо заинтересовать клиента своим предложением. Как решается эта «Задача»?

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Заемщик обязан по закону обеспечить непрерывность страхования до момента полного погашения кредита. В этом смысле здесь все так же строго как с ОСАГО. Поэтому первый аргумент у вас уже в кармане, а за следующим и в него лезть не придется, ведь вы гарантируете клиенту, что подберете тариф куда более выгодный, чем ему предлагает банк. Большинство клиентов, только в первый год покупают полис через банк, а в последующие года начинают искать предложения выгоднее. Ситуация очень похожа как при покупке нового автомобиля в салоне, где навязывают обязательство страхование там же.
У лидеров банковского рынка зачастую есть собственные «дочки», предоставляющие страховые услуги — тарифы там предсказуемо высокие, но от них нас защитит Федеральная антимонопольная служба. Ипотечный менеджер предоставит список аккредитованных банком страховых компаний, из которых заемщик может выбрать что душе угодно.

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Точнее выбирать уже будете вы — страховой агент, а ваш клиент просто получит готовый полис себе на e-mail. Ведь благодаря Пампаду теперь есть возможность оформлять страховые продукты в электронном виде из любой точки мира, где есть доступ в интернет. 

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Наш большой опыт работы с агентами показал, что главным барьером для расширения заработка является  «сложность» некоторых страховых продуктов, таких как страхование ипотеки. И вы правы, раньше действительно нужно было потратить около 2 часов времени на оформление данного продукта и заполнение анкет.

Итого:
1. Сообщите всем текущим клиентам о том, что у вас можно продлить полис ипотечного страхования выгоднее на 20-40%. Отправьте смс/e-mail рассылку.
2. Обзвонит всю клиентскую базу также сообщив о новом продукте и главное спросите есть ли ипотека и когда она заканчивается.
3. Разместите рекламу там, откуда вы получаете клиентов на ОСАГО.

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Не сложнее, чем ОСАГО

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1. Предварительная стоимость полиса рассчитывается всего в несколько кликов, достаточно знать банк, остаток кредита, дату рождения и пол.

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\"Виджет
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2. В фильтрах вы можете указать дополнительные условия, выбрать тип страхового полиса, узнать риски и правила по каждой выбранной страховой компании, посмотреть пример полиса и конечно, увидеть размер вашего вознаграждения.

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\"\"
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3. Для детализации тарифа и окончательного оформления заполните необходимую информацию о страхователе и ипотечном договоре, но это не имеет ничего общего с теми «зловещими» разноформатными анкетами, о которых вы могли слышать. Обязательных полей всего около 15, все происходит в режиме одного окна, а процесс заполнения занимает не более 5 минут.

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4. После заполнения всех данных вы получаете ссылку на оплату, точно также, как и по ОСАГО. Полис загрузится в личный кабинет и будет отправлен на почту.

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Ваше максимальное комиссионное вознаграждение составит до 35% от стоимости полиса, который сам по себе дороже, чем ОСАГО и КВ в рублях значительно выше. 

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В конце хотелось бы сказать: кто не рискует, тот не пьет шампанское, но в случае с ипотечным страхованием это было бы преувеличением, потому что рисков совсем нет. Мы сделали полезный продукт, который будет давать конкретную выгоду конечным клиентам, а значит позволит легче и больше зарабатывать вам, агентам. Пробуйте!

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Оформить полис ипотечного страхования
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С любовь к своему делу и заботой о вас,
Команда Пампаду

\n', 'Ипотечное страхование — это новое ОСАГО', 'Главное, что стоит знать о страховании ипотеки агенту - это обязательный вид! Полис который нужен всем, кто покупает жилье в кредит. По закону получатель ипотечного кредита должен застраховать имущество, чтобы в случае его утраты, страховая компания компенсировала банку его стоимость. ', 'publish', 'open', 'open', '', 'ipotechnoe-strahovanie-eto-novoe-osago', '', '', '2021-06-22 08:46:11', '2021-06-22 08:46:11', '', 0, 'https://blg.pampadu.ru/?p=417', 0, 'post', '', 0), (430, 1, '2021-06-23 11:29:53', '2021-06-23 11:29:53', '\n
\nhttps://www.youtube.com/watch?v=9QT6_rwSLmI\n
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Встречайте 8-й видеоурок: «Как агенту вести базу клиентов: CRM/E-mail/Пролонгация/Кросс-селлинг»

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Сегодня поговорим о ведении клиентской базы, как ее группировать, какие инструменты использовать, какие данные собирать. А также затронем тему пролонгации и кросс-продаж.

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Ссылка на предыдущий урок: «Частые вопросы про ОСАГО от страхователей - должен знать каждый агент» https://youtu.be/RFIqVPvqWbA

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Дополнительные материалы по уроку:
Шаблон для ведения базы клиентов в Excel: https://bit.ly/3qldFUj
Шаблон для работы с пролонгацией: https://bit.ly/35IP3v0
Презентация к уроку: https://bit.ly/35MEVl6

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Изучайте урок и зарабатывайте на страховании с Пампаду уже сегодня.
Пампаду разработал версию CRM системы для пролонгации. Регистрируйся на Пампаду, мы ждем именно тебя: https://bit.ly/3gMiN0i

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С любовью к своему делу,
Команда Пампаду?

\n', '8-й урок: «Как агенту вести базу клиентов: CRM/E-mail/Пролонгация/Кросс-селлинг»', 'Сегодня поговорим о ведении клиентской базы, как ее группировать, какие инструменты использовать, какие данные собирать. А также затронем тему пролонгации и кросс-продаж.', 'publish', 'open', 'open', '', '8-j-urok-kak-agentu-vesti-bazu-klientov-crm-e-mail-prolongatsiya-kross-selling', '', '', '2021-06-23 11:29:53', '2021-06-23 11:29:53', '', 0, 'https://blg.pampadu.ru/?p=430', 0, 'post', '', 0), (431, 1, '2021-06-23 11:22:35', '2021-06-23 11:22:35', '', '', '', 'inherit', 'open', 'closed', '', 's8-_1_', '', '', '2021-06-23 11:22:35', '2021-06-23 11:22:35', '', 430, 'http://pamtest.ru/wp-content/uploads/2021/06/S8-_1_.png', 0, 'attachment', 'image/png', 0), (432, 1, '2021-06-23 11:26:21', '2021-06-23 11:26:21', '', 'S8-_1_', '', 'inherit', 'open', 'closed', '', 's8-_1_-2', '', '', '2021-06-23 11:26:21', '2021-06-23 11:26:21', '', 430, 'http://pamtest.ru/wp-content/uploads/2021/06/S8-_1_-1.png', 0, 'attachment', 'image/png', 0), (433, 1, '2021-06-23 11:27:57', '2021-06-23 11:27:57', '', 'S8-_1_', '', 'inherit', 'open', 'closed', '', 's8-_1_-3', '', '', '2021-06-23 11:27:57', '2021-06-23 11:27:57', '', 430, 'http://pamtest.ru/wp-content/uploads/2021/06/S8-_1_-2.png', 0, 'attachment', 'image/png', 0), (440, 1, '2021-06-25 10:11:50', '2021-06-25 10:11:50', '\n
\nhttps://www.youtube.com/watch?v=_P5dS2DP14E\n
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Встречайте 9-й видеоурок: «Страховой агент в ОСАГО - как продать свою экспертность»

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Заключительный видеоурок в этом блоке. Сегодня мы поговорим про экспертность: откуда новичку получить экспертность, 5 приемов повышения экспертности.

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Ссылка на предыдущий урок «Как агенту вести базу клиентов: CRM/E-mail/Пролонгация/Кросс-селлинг»
https://youtu.be/9QT6_rwSLmI

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Дополнительные материалы по уроку:
-Презентация к уроку https://clck.ru/ViFzP

Чтобы проверить свои знания в страховании - переходи по ссылке и делись результатами в комментариях к этому видео: https://clck.ru/ViGCt

С любовью к своему делу,
Команда Пампаду ?

\n', '9-й урок — «Страховой агент в ОСАГО - как продать свою экспертность»', 'Заключительный видеоурок в этом блоке. Сегодня мы поговорим про экспертность: откуда новичку получить экспертность, 5 приемов повышения экспертности.', 'publish', 'open', 'open', '', '9-j-urok-strahovoj-agent-v-osago-kak-prodat-svoyu-ekspertnost', '', '', '2021-06-25 10:11:50', '2021-06-25 10:11:50', '', 0, 'https://blg.pampadu.ru/?p=440', 0, 'post', '', 0), (445, 1, '2021-06-28 09:02:00', '2021-06-28 09:02:00', '\n

Основатель Пампаду Локтев Сергей ответил на самые часто задаваемые вопросы про страхование Ипотеки и рассказал, какая проходимость полисов ОСАГО на июнь 2021 года. Смотрите видео ниже.

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\nhttps://www.youtube.com/watch?v=W8hkUjNn8eM&t=6s\n
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С любовью к своему делу,
Команда Пампаду ?

\n', 'Частые Вопросы про Страхование Ипотеки | Что с Проходимостью Полисов ОСАГО', 'Основатель Пампаду Локтев Сергей ответил на самые часто задаваемые вопросы про страхование Ипотеки и рассказал, какая проходимость полисов ОСАГО на июнь 2021 года.', 'publish', 'open', 'open', '', 'chastye-voprosy-pro-strahovanie-ipoteki-chto-s-prohodimostyu-polisov-osago', '', '', '2021-06-28 09:02:00', '2021-06-28 09:02:00', '', 0, 'https://blg.pampadu.ru/?p=445', 0, 'post', '', 0), (455, 1, '2021-06-29 15:50:58', '2021-06-29 15:50:58', '', 'Страховой агент в ОСАГО - как продать свою экспертность', '', 'inherit', 'open', 'closed', '', 'm_s9-_1_', '', '', '2021-06-29 15:50:58', '2021-06-29 15:50:58', '', 440, 'http://pamtest.ru/wp-content/uploads/2021/06/m_s9-_1_.png', 0, 'attachment', 'image/png', 0), (459, 1, '2021-06-30 11:24:39', '2021-06-30 11:24:39', '\n
\nhttps://www.youtube.com/watch?v=MunYxTbhO60\n
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Показали, как за 1 минуту оформить полис ипотечного страхования. 

Смотрите видео, пробуйте оформлять и начинайте зарабатывать до 35% от стоимости полиса, который значительно дороже, чем ОСАГО.

P.S Комиссионное вознаграждение по ипотеке в рублях гораздо выше.

С любовью к своему делу,
Команда Пампаду ?

\n', 'Оформление Полиса Ипотеки —Показываем за 1 минуту, как легко это сделать', 'Показали, как за 1 минуту легко и быстро оформить полис ипотечного страхования. \nP.S Комиссионное вознаграждение по ипотеке в рублях гораздо выше.', 'publish', 'open', 'open', '', 'oformlenie-polisa-ipoteki', '', '', '2021-06-30 11:24:39', '2021-06-30 11:24:39', '', 0, 'https://blg.pampadu.ru/?p=459', 0, 'post', '', 0), (479, 1, '2021-07-01 12:44:51', '2021-07-01 12:44:51', '\n

Закончился первый месяц лета и мы спешим с новостями. Произошли изменения в комиссиях и рассказываем, как и на сколько улучшили проходимость по ОСАГО и что со страхованием Ипотеки.
Важно: не забудьте изменить комиссию своим агентам и установить вознаграждение по ипотеке.

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Изменения комиссий в ОСАГО

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1. С 01.07.2021 CК Росгосстрах меняет условия по КВ
Повышение в регионах:
- Нижегородская
- Ставропольский край
- Пермский край
- Татарстан
- Самарская
- Свердловская
- Тюменская
- Мурманская
- Ивановская
- Саратовская
- Ямало-Ненецкий
- Алтайский
- Архангельская
- Астраханская
- Адыгея
- Алтай
- Тыва
- Чукотский
- Воронежская
- Кемеровская
- Ярославская обл

Понижение произошло по 31 региону. Подробнее смотрите в личном кабинете - раздел Моя комиссия.

2. СК Макс - отменяет ограничение по мощности двигателя. Шире сегмент = чаще согласованный клиент.
Лучше будут принимать клиентов у которых, возраст ТС меньше 15 лет. КБМ < 1

3. Согласие - открыты новые регионы: Республика Башкортостан, Саратовская область, Республика Калмыкия, Нижегородская область,  Пензенская область, Тверская область.

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Изменение в проходимости ОСАГО - больше одобрений

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Мы поработали активно с проходимость в рамках наших возможностей и с уверенностью можем сказать, что с сегодняшнего дня по ряду компаний она стала лучше и вот показатели в цифрах.

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1. Согласие - плюс 10% к успешному оформлению полиса. Не будем раскрывать, за счет чего это стало доступно, но наверное вы и сами это заметили, а если нет, то просто попробуйте и будете приятно удивлены. Главное указывайте настоящие данные по клиенту, которому действительно нужно оформить новый полис.

2. Ренессанс  - 95% шанс успешной покупки, если это продление. Указывайте данные как в прошлом полисе и выбирайте дату начала следующий день, после окончания предыдущего полиса. Будет доступно с 06.07.21

3. Росгосстрах - плюс 11% к успешному оформлению полиса. Страховая компания наконец перешла на новую версию интеграции с партнерами, это значит что будет меньше ошибок, оформление будет стабильнее. В ближайшее время со стороны страховщика будет несколько доработок, поэтому если вы не смогли получить ссылку на оплату, попробуйте повторно через минуту. Мы уже видим изменения в объеме продаж по этой компании. Ждем упрощенную пролонгацию и зеленый коридор как в Альфе.

4. Ингосстрах  - быстрая пролонгация. Возможно многие не знают, но работает возможность быстрой пролонгации полисов этой компании. Выбирайте новый договор - пролонгация - Ингосстрах.

Важно: не забывайте указывать номер предыдущего полиса и указывайте дату начала действия следующий день за днем окончания текущего полиса.

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Доработки по ипотеке

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Не успели мы выпустить новый продукт, как уже готовятся улучшения.
- Будет добавлено + 2 банка: Возрождение, Севергазбанк
- Исправили ошибки получения ссылки на оплату по Zetta и Абсолют.
- Будет добавлена возможность скрывать комиссии, распечатать и проверить данные
- Оптимизация внешнего вида и работы

Многие спрашивают: Будет ли виджет ипотеки для ваших сайтов и приложений? - ДА и очень скоро :)
Желаем хороших продаж, стараемся для вас!

С любовью к своему делу,
Команда Пампаду ?

\n', 'Изменение комиссий с 1 Июля и как мы улучшили проходимость в ОСАГО', 'Произошли изменения в комиссиях и рассказываем, как и на сколько улучшили проходимость по ОСАГО и что со страхованием Ипотеки.\nВажно: не забудьте изменить комиссию своим агентам и установить вознаграждение по ипотеке.', 'publish', 'open', 'open', '', 'izmenenie-komissij-s-1-iyulya-i-kak-my-uluchshili-prohodimost-v-osago', '', '', '2021-07-01 12:44:51', '2021-07-01 12:44:51', '', 0, 'https://blg.pampadu.ru/?p=479', 0, 'post', '', 0), (498, 1, '2021-07-02 09:36:24', '2021-07-02 09:36:24', '', 'Изменение комиссии и улучшение проходимости', '', 'inherit', 'open', 'closed', '', '1-x2_1-2', '', '', '2021-07-02 09:36:24', '2021-07-02 09:36:24', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/07/1-x2_1.png', 0, 'attachment', 'image/png', 0), (499, 1, '2021-07-02 09:43:49', '2021-07-02 09:43:49', '', 'Локтев Сергей ответил на самые часто задаваемые вопросы про страхование Ипотеки и рассказал, какая проходимость полисов ОСАГО на июнь 2021 года', '', 'inherit', 'open', 'closed', '', 's6-3', '', '', '2021-07-02 09:43:49', '2021-07-02 09:43:49', '', 445, 'http://pamtest.ru/wp-content/uploads/2021/06/s6-3.png', 0, 'attachment', 'image/png', 0), (500, 1, '2021-07-02 09:49:13', '2021-07-02 09:49:13', '', 'Страховой агент в ОСАГО - как продать свою экспертность', '', 'inherit', 'open', 'closed', '', 's9-_1_-2', '', '', '2021-07-02 09:49:13', '2021-07-02 09:49:13', '', 440, 'http://pamtest.ru/wp-content/uploads/2021/06/s9-_1_-2.png', 0, 'attachment', 'image/png', 0), (501, 1, '2021-07-02 09:57:54', '2021-07-02 09:57:54', '', 'Оформление Полиса Ипотеки —Показываем за 1 минуту, как быстро и легко это сделать', '', 'inherit', 'open', 'closed', '', '132_1-1-1', '', '', '2021-07-02 09:57:54', '2021-07-02 09:57:54', '', 459, 'http://pamtest.ru/wp-content/uploads/2021/06/132_1-1-1.png', 0, 'attachment', 'image/png', 0), (502, 1, '2021-07-05 06:19:13', '2021-07-05 06:19:13', '', 'Как агенту вести базу клиентов: CRM/E-mail/Пролонгация/Кросс-селлинг', '', 'inherit', 'open', 'closed', '', '18', '', '', '2021-07-05 06:19:13', '2021-07-05 06:19:13', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/06/18.jpg', 0, 'attachment', 'image/jpeg', 0), (504, 1, '2021-07-05 06:21:07', '2021-07-05 06:21:07', '', 'Ипотека — это новое ОСАГО', '', 'inherit', 'open', 'closed', '', '17', '', '', '2021-07-05 06:21:07', '2021-07-05 06:21:07', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/06/17.jpg', 0, 'attachment', 'image/jpeg', 0), (505, 1, '2021-07-05 06:23:59', '2021-07-05 06:23:59', '', 'Страхование ипотеки доступно всем агентам в нашем сервисе.', '', 'inherit', 'open', 'closed', '', '16', '', '', '2021-07-05 06:23:59', '2021-07-05 06:23:59', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/06/16.jpg', 0, 'attachment', 'image/jpeg', 0), (507, 1, '2021-07-05 06:25:00', '2021-07-05 06:25:00', '', 'Частые вопросы про ОСАГО', '', 'inherit', 'open', 'closed', '', '15', '', '', '2021-07-05 06:25:00', '2021-07-05 06:25:00', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/06/15.jpg', 0, 'attachment', 'image/jpeg', 0), (508, 1, '2021-07-05 06:26:08', '2021-07-05 06:26:08', '', 'Страхование ипотеки в сервисе blg.pampadu.ru', '', 'inherit', 'open', 'closed', '', '14', '', '', '2021-07-05 06:26:08', '2021-07-05 06:26:08', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/06/14.jpg', 0, 'attachment', 'image/jpeg', 0), (509, 1, '2021-07-05 06:27:20', '2021-07-05 06:27:20', '', '6-й урок — «Как страховому агенту задавать вопросы и работать с возражениями»', '', 'inherit', 'open', 'closed', '', '13', '', '', '2021-07-05 06:27:20', '2021-07-05 06:27:20', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/06/13.jpg', 0, 'attachment', 'image/jpeg', 0), (510, 1, '2021-07-05 06:28:45', '2021-07-05 06:28:45', '', 'Как страховому агенту найти клиентов', '', 'inherit', 'open', 'closed', '', '12', '', '', '2021-07-05 06:28:45', '2021-07-05 06:28:45', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/06/12.jpg', 0, 'attachment', 'image/jpeg', 0), (511, 1, '2021-07-05 06:29:41', '2021-07-05 06:29:41', '', 'Кто такой Страховой агент', '', 'inherit', 'open', 'closed', '', '11', '', '', '2021-07-05 06:29:41', '2021-07-05 06:29:41', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/06/11.jpg', 0, 'attachment', 'image/jpeg', 0), (512, 1, '2021-07-05 06:32:29', '2021-07-05 06:32:29', '', 'Комиссия по ОСАГО на blg.pampadu.ru', '', 'inherit', 'open', 'closed', '', '10', '', '', '2021-07-05 06:32:29', '2021-07-05 06:32:29', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/06/10.jpg', 0, 'attachment', 'image/jpeg', 0), (513, 1, '2021-07-05 06:34:41', '2021-07-05 06:34:41', '', 'Как работает сервис Пампаду', '', 'inherit', 'open', 'closed', '', '9', '', '', '2021-07-05 06:34:41', '2021-07-05 06:34:41', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/06/9.jpg', 0, 'attachment', 'image/jpeg', 0), (514, 1, '2021-07-05 06:36:03', '2021-07-05 06:36:03', '', 'Быстрые выплаты для физлиц', '', 'inherit', 'open', 'closed', '', '8', '', '', '2021-07-05 06:36:03', '2021-07-05 06:36:03', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/06/8.jpg', 0, 'attachment', 'image/jpeg', 0), (516, 1, '2021-07-05 06:37:25', '2021-07-05 06:37:25', '', 'Первые шаги в страховом бизнесе', '', 'inherit', 'open', 'closed', '', '7', '', '', '2021-07-05 06:37:25', '2021-07-05 06:37:25', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/05/7.jpg', 0, 'attachment', 'image/jpeg', 0), (517, 1, '2021-07-05 06:38:11', '2021-07-05 06:38:11', '', 'Рынок ОСАГО в России', '', 'inherit', 'open', 'closed', '', '6', '', '', '2021-07-05 06:38:11', '2021-07-05 06:38:11', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/05/6.jpg', 0, 'attachment', 'image/jpeg', 0), (518, 1, '2021-07-05 06:40:39', '2021-07-05 06:40:39', '', 'Пять страхов самозанятых', '', 'inherit', 'open', 'closed', '', '5', '', '', '2021-07-05 06:40:39', '2021-07-05 06:40:39', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/05/5.jpg', 0, 'attachment', 'image/jpeg', 0), (520, 1, '2021-07-05 06:41:51', '2021-07-05 06:41:51', '', 'обучающий курс по ОСАГО', '', 'inherit', 'open', 'closed', '', '4-2', '', '', '2021-07-05 06:41:51', '2021-07-05 06:41:51', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/05/4.jpg', 0, 'attachment', 'image/jpeg', 0), (521, 1, '2021-07-05 06:42:55', '2021-07-05 06:42:55', '', 'Дарим 500р за 2 полиса', '', 'inherit', 'open', 'closed', '', '3', '', '', '2021-07-05 06:42:55', '2021-07-05 06:42:55', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/05/3.jpg', 0, 'attachment', 'image/jpeg', 0), (522, 1, '2021-07-05 06:48:40', '2021-07-05 06:48:40', '', 'Новости Пампаду 28.04.21', '', 'inherit', 'open', 'closed', '', '2', '', '', '2021-07-05 06:48:40', '2021-07-05 06:48:40', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/04/2.jpg', 0, 'attachment', 'image/jpeg', 0), (523, 1, '2021-07-05 06:49:36', '2021-07-05 06:49:36', '', 'Разыгрываем 20000р по реферальной программе', '', 'inherit', 'open', 'closed', '', '1', '', '', '2021-07-05 06:49:36', '2021-07-05 06:49:36', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/04/1.jpg', 0, 'attachment', 'image/jpeg', 0), (531, 1, '2021-07-16 09:27:09', '2021-07-16 09:27:09', '', 'Пампаду дарит 500 рублей тем, кто станет самозанятым', '', 'inherit', 'open', 'closed', '', '1030x502x_1', '', '', '2021-07-16 09:27:09', '2021-07-16 09:27:09', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/07/1030x502x_1.jpg', 0, 'attachment', 'image/jpeg', 0), (537, 1, '2021-07-21 14:45:55', '2021-07-21 14:45:55', '\n

В этой статье откровенно поговорим о том, почему с каждым днем все больше пользователей выбирают работать с Пампаду в качестве самозанятого и почему мы активно продвигаем этот вариант.

На текущий день больше половины всех агентов, пользователей сервиса стали работать на площадке в качестве самозанятого, а это свыше 2500 человек. Несмотря на все страхи и сомнения которые всегда бывают перед чем-то новым, непонятным.

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Почему количество самозанятых растет?

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Государство специально максимально все упростило и сделали легкий сервис для тех, кто работает сам на себя или занимается подработкой. Чем проще, тем больше налогов дополнительно будет собрано, все логично. По всей стране уже почти 4 млн. зарегистрированных самозанятых, которые выбрали легальный способ получение дохода за свою работу. Основная причина - это действительно просто и удобно. Регистрация занимает 15 минут, а оплата налога не сложнее пополнения мобильного телефона.

Мы заметили одну важную закономерность - те кто начали работать с нами в качестве самозанятого уже не переходят обратно на работу в качестве физического лица и начинаю оформлять больше полисов, чем раньше. Попробовав один раз, на своем опыте убеждаются в простоте и выгодах:

- Деньги стабильно приходят в течение 5-10 минут после заказа;
- Мы начисляем +6% к каждому платежу;
- Можно совмещать с официальной работой даже в страховании;
- Подходит для любого региона рф;
- Можно получить справку о доходах для кредита;
- Налог будет начисляться только на те платежи, на которые будет сформирован чек.

Многие ошибочно думают, что после того как станут самозанятыми, все поступающие платежи будут облагаться налогом. НЕТ! Вы можете как и раньше получать на карту любые платежи и только те, на которые сформируете чек в приложении, будут учтены как ваш доход, с которого нужно будет оплатить налог. Кстати, мы в Пампаду сами формируем чеки за вас при выводе средств, поэтому вам вообще не нужно об этом беспокоиться. Принимайте оплату на карту от клиентов, переводы от друзей и другие - они НЕ будут облагаться налогом.

В любом случае статус самозанятого бесплатный и всегда можно от него отказаться за 1 минуту. Сделать это можно в приложении Мой налог или через гос услуги.

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Что будет со стандартными платежами физическим лицам?

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Выплаты физическим лицам продолжают работать как и раньше, в ближайшее время мы даже откажемся от ежемесячных платежей в пользу выплат по запросу. Выводите сколько нужно и когда удобно, но это не будет настолько выгодно, стабильно и быстро как для самозанятых. Мы понимаем, что рано или поздно налоговая начнет отслеживать платежи физическим лицами, поэтому заботимся о своих пользователях и уже сейчас рассказываем как избежать возможных вопросов и штрафов. Периодически в сми появляются публикации на эту тему, потому что государство ждет, пока все привыкнут к работе с самозанятыми, после чего начнет ужесточать контроль. Работая в статусе самозанятого, можно уже сейчас спать спокойно.

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Какая выгода для Пампаду в работе с самозанятыми?

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Все банально просто. Нам проще и выгоднее (да, да, мы тоже считаем деньги и хотим зарабатывать) произвести выплату самозанятому даже с учетом компенсации налога, чем проводить платежи физическим лицам. Оплата физическому лицу это сложно, дорого и долго. Такая налоговая система в России. Все выплаты физическим лицам проводимые официально, облагаются налогом 13% + около 30% отчислений в пенсионный и другие фонды. Это то, что платит ваш работодатель или любое юридическое лицо, которое проводит вам перевод. Об этом не все знают, так как налоги в России носят скрытый характер.

Именно поэтому мы продвигаем работу в качестве самозанятого, но кроме нашей выгоды - это выгодно и удобно Вам. Вы можете попробовать и прямо сейчас через 15 минут получить на карту деньги, которые есть у вас сейчас на балансе в пампаду, а еще дополнительно получить +500 руб. по акции. Переходите по ссылке и следуйте инструкции: https://agents.blg.pampadu.ru/#/app/selfemployment

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Подробный видео-урок о том, как стать самозанятым в Пампаду

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\nhttps://www.youtube.com/watch?v=rXwW3e-eFQY\n
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С любовью к своему делу,
Команда Пампаду ?

\n', 'Честный разговор о самозанятых', '', 'publish', 'open', 'open', '', 'chestnyj-razgovor-o-samozanyatyh', '', '', '2021-07-21 14:45:55', '2021-07-21 14:45:55', '', 0, 'https://blg.pampadu.ru/?p=537', 0, 'post', '', 0), (550, 1, '2021-07-21 14:44:04', '2021-07-21 14:44:04', '', 'для-блога-33', '', 'inherit', 'open', 'closed', '', 'dlya-bloga-33', '', '', '2021-07-21 14:44:04', '2021-07-21 14:44:04', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/07/dlya-bloga-33.jpg', 0, 'attachment', 'image/jpeg', 0), (557, 1, '2021-07-24 10:43:53', '2021-07-24 10:43:53', '\n

Отличные новости для тех, кто работает в статусе физического лица, не самозанятого. Мы услышали ваши пожелания и теперь физическим лицам не нужно ждать следующего месяца, чтобы получить выплату. Мы переходим на платежи по запросу. Это значит, чтобы получить выплату заработанного, необходимо самостоятельно заказать ее в личном кабинете: вы выбираете необходимую сумму и заявка уходит в обработку. Выводите сколько и когда вам удобно. 

Как заказать выплату?

1. У вас должны быть заполнены реквизиты
2. Заходите в свой баланс и нажимайте вывести
3. Указывайте банковскую карту, которая у вас в реквизитах
4. Указывайте, какую сумму хотите вывести
5. Ваша заявка уйдет в работу и появится в разделе \"Выплаты\" - \"Входящие\" в статусе \"В процессе\".
Там можно отслеживать ее актуальный статус.

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Важно отметить: 

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1. Выплаты для физических лиц не будут такими же выгодными и быстрыми как для самозанятых, поэтому мы продолжаем вам рекомендовать именно работу в качестве самозанятого.

Подробные условия и сравнение смотрите по ссылке в личном кабинете: https://agents.blg.pampadu.ru/#/app/payments/select

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2. Если вы самостоятельно не закажете вывод, деньги вам не поступят. Ежемесячное автоматическое формирование платежа для физических лиц отменено.

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3. Для юридических лиц все остается без изменений. Для тех кто работает под куратором - уточняйте отдельно. 

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Остались вопросы?
Cпрашивайте в чате поддержки или читайте в разделе Помощь: https://help.blg.pampadu.ru/article/2793


С любовью к своему делу,
Команда Пампаду ?

\n', 'Новый регламент выплат физическим лицам', '', 'publish', 'open', 'open', '', 'novyj-reglament-vyplat-fizicheskim-litsam', '', '', '2021-07-24 10:43:53', '2021-07-24 10:43:53', '', 0, 'https://blg.pampadu.ru/?p=557', 0, 'post', '', 7), (558, 1, '2021-07-24 10:25:48', '2021-07-24 10:25:48', '', 'Блог', '', 'inherit', 'open', 'closed', '', 'blog-3', '', '', '2021-07-24 10:25:48', '2021-07-24 10:25:48', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/07/Blog.jpg', 0, 'attachment', 'image/jpeg', 0), (569, 1, '2021-07-28 11:16:50', '2021-07-28 11:16:50', '', 'image', '', 'inherit', 'open', 'closed', '', 'image-2', '', '', '2021-07-28 11:16:50', '2021-07-28 11:16:50', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/07/image.png', 0, 'attachment', 'image/png', 0), (570, 1, '2021-07-28 12:13:48', '2021-07-28 12:13:48', '', 'ARENA-2021_1_nabor_2_Baner_800x525px', '', 'inherit', 'open', 'closed', '', 'arena-2021_1_nabor_2_baner_800x525px', '', '', '2021-07-28 12:13:48', '2021-07-28 12:13:48', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/07/ARENA-2021_1_nabor_2_Baner_800x525px.png', 0, 'attachment', 'image/png', 0), (578, 1, '2021-07-29 09:09:53', '2021-07-29 09:09:53', '', 'Личный кабинет страхового агента - 16 компаний с КВ 30% и быстрыми выплатами 2021-07-29 12-09-35', '', 'inherit', 'open', 'closed', '', 'lichnyi-kabinet-strahovogo-agenta-16-kompanii-s-kv-30-i-bystrymi-vyplatami-2021-07-29-12-09-35', '', '', '2021-07-29 09:09:53', '2021-07-29 09:09:53', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/07/Lichnyi-kabinet-strahovogo-agenta-16-kompanii-s-KV-30-i-bystrymi-vyplatami-2021-07-29-12-09-35.png', 0, 'attachment', 'image/png', 0), (583, 1, '2021-07-29 09:55:26', '2021-07-29 09:55:26', '', 'Личный кабинет страхового агента - 16 компаний с КВ 30% и быстрыми выплатами 2021-07-29 12-54-53', '', 'inherit', 'open', 'closed', '', 'lichnyi-kabinet-strahovogo-agenta-16-kompanii-s-kv-30-i-bystrymi-vyplatami-2021-07-29-12-54-53', '', '', '2021-07-29 09:55:26', '2021-07-29 09:55:26', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/07/Lichnyi-kabinet-strahovogo-agenta-16-kompanii-s-KV-30-i-bystrymi-vyplatami-2021-07-29-12-54-53.png', 0, 'attachment', 'image/png', 0), (586, 1, '2021-07-29 10:06:10', '2021-07-29 10:06:10', '', 'blog', '', 'inherit', 'open', 'closed', '', 'blog-4', '', '', '2021-07-29 10:06:10', '2021-07-29 10:06:10', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/07/blog-1.jpg', 0, 'attachment', 'image/jpeg', 0), (588, 1, '2021-07-30 14:50:01', '2021-07-30 14:50:01', '\n

Добрый день, дорогие агенты!

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Команда Пампаду рада презентовать вам эффективный инструмент для увеличения продаж в области страхования — виджет для оформления полисов Ипотеки.

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\"\"/
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Виджет Ипотеки — это калькулятор расчета стоимости полиса и сервис оформления страховки для посетителей вашего сайта или приложения. Вы можете установить его за 5 минут без разработки. Главное, чтобы у вас был доступ к редактированию контента вашего сайта или приложения.

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Вы можете использовать наш виджет, даже если у вас нет собственного сайта. Просто разместите его на своей странице в соцсети или отправляйте клиентам прямую ссылку на него.

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Вознаграждение за все продажи будет начисляться вам также, как если бы вы сами оформляли полисы клиентам. Все расчеты и продажи фиксируются в вашем личном кабинете на нашей платформе.

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Подробнее о том, как настроить новый виджет и следить за статистикой продаж, читайте в специальной статье из раздела «Помощь» личного кабинета. А здесь вкратце перечислим преимущества нового виджета Ипотеки, почему вам стоит использовать его в своей работе:

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✔Вариативный внешний вид
Настраивайте индивидуальный внешний вид или выбирайте одну из готовых цветовых схем, чтобы посетители воспринимали виджет как часть вашего сайта или приложения.

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✔Управляемая мотивация
Добавляйте свои тексты заголовка и подзаголовка виджета, отключайте их вообще или используйте рекомендуемые и добавленные по умолчанию.

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✔Установка на сайт за 2 минуты
Просто скопируйте две строчки кода и вставьте в редактор любой страницы своего сайта.

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✔Проверка опечаток
Исправим ошибки, подскажем и поможем пользователю при заполнении данных, что увеличивает процент одобрений.

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✔Расчет страховки для 10 банков
Предлагайте клиентам десяти ведущих банков рассчитать и оформить страховку по ипотеке у вас.

\n\n\n\n

✔История предыдущих расчетов
Сохраняем расчеты каждого пользователя и поможем вернуться к предыдущему.

\n\n\n\n

✔Напоминания в смс и письме
+20 % к продажам с помощью напоминаний о брошенных расчетах.

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✔Умный личный кабинет 
Статистика продаж, отчеты по комиссионным вознаграждениям и балансу — у вас под рукой.

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✔Прозрачные размеры вознаграждения
Вы всегда знаете, какой процент от стоимости полиса будет начислен вам на баланс по каждой страховой компании и банку.

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Виджет Пампаду — это эффективный инструмент для онлайн-заработка на страховании, с продуманным сценарием и максимальной конверсией в покупку.

\n\n\n\n

С любовью к своему делу,
Команда Пампаду ?

\n', 'Виджет продаж полисов Ипотеки для сайтов и приложений уже доступен', 'Команда Пампаду рада презентовать вам эффективный инструмент для увеличения продаж в области страхования — виджет для оформления полисов Ипотеки. ', 'publish', 'open', 'open', '', 'vidzhet-prodazh-polisov-ipoteki-dlya-sajtov-i-prilozhenij-uzhe-dostupen', '', '', '2021-07-30 14:50:01', '2021-07-30 14:50:01', '', 0, 'https://blg.pampadu.ru/?p=588', 0, 'post', '', 0), (589, 1, '2021-07-30 14:45:53', '2021-07-30 14:45:53', '', 'Виджет продаж полисов Ипотеки для сайтов и приложений', '', 'inherit', 'open', 'closed', '', 'bezime3434ni-2', '', '', '2021-07-30 14:45:53', '2021-07-30 14:45:53', '', 588, 'http://pamtest.ru/wp-content/uploads/2021/07/Bezime3434ni-2.jpg', 0, 'attachment', 'image/jpeg', 0), (608, 1, '2021-08-03 17:37:51', '2021-08-03 17:37:51', '\n

111

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\n

\n\n\n\n

\n', 'Тестовая', '', 'private', 'open', 'open', '', 'testovaya', '', '', '2021-08-03 17:37:51', '2021-08-03 17:37:51', '', 0, 'https://blg.pampadu.ru/?p=608', 0, 'post', '', 0), (617, 1, '2021-08-04 12:04:24', '2021-08-04 12:04:24', '', 'Виджет продаж полисов Ипотеки для сайтов и приложений уже доступен', '', 'inherit', 'open', 'closed', '', 'dlya-bloga', '', '', '2021-08-04 12:04:24', '2021-08-04 12:04:24', '', 588, 'http://pamtest.ru/wp-content/uploads/2021/07/dlya-bloga.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (618, 1, '2021-08-04 12:16:20', '2021-08-04 12:16:20', '\n

Возможность оформить полис ипотечного страхования на Пампаду появилась совсем недавно и нам важна обратная по связь по новому продукту.

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Благодарим Ольгу за отзыв. Своего одного из первых клиентов по страхованию ипотеки Ольга нашла через знакомых, это самый простой способ найти клиентов, рекомендуем и вам попробовать и заработать до 35% комиссионное вознаграждение с каждого полиса.

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Ознакомится с другими отзывами и оставить свой вы можете в нашем разделе https://pampadu.ru/reviews/

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\nhttps://youtu.be/lVc5OqhbJEw\n
\n\n\n\n

С любовью к своему делу,
Команда Пампаду ?

\n', 'Отзыв про ипотечное страхование на Пампаду', '', 'publish', 'open', 'open', '', 'otzyv-pro-ipotechnoe-strahovanie-na-pampadu', '', '', '2021-08-04 12:16:20', '2021-08-04 12:16:20', '', 0, 'https://blg.pampadu.ru/?p=618', 0, 'post', '', 0), (619, 1, '2021-08-04 12:14:14', '2021-08-04 12:14:14', '', 'Отзыв про Ипотечное Страхование на Пампаду', '', 'inherit', 'open', 'closed', '', 'dlya-bloga2', '', '', '2021-08-04 12:14:14', '2021-08-04 12:14:14', '', 618, 'http://pamtest.ru/wp-content/uploads/2021/08/dlya-bloga2.jpg', 0, 'attachment', 'image/jpeg', 0), (625, 1, '2021-08-11 15:28:08', '2021-08-11 15:28:08', '\n

Уважаемые веб-мастера. Напоминаем про конференцию \"Арена 2021\" совместно с Пузат.ру

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Приходи на конференцию Арена, если хочешь:

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определенности в стратегии и действиях,
больше зарабатывать на сайтах,
пообщаться вживую с единомышленниками.

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Где и когда?
Москва, 19-21 августа

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На Арене весь нетворкинг расписан по минутам! Уйти без общения и пользы нереально даже самым большим интровертам:

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Кроме коротких докладов «по делу» будут другие форматы: круглые столы, дискуссии, роад-шоу.

\n\n\n\n

Общение в экспо-зоне с бонусами от партнеров.

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Бизнес-уикэнд — всем, кому обычно не хватает одного дня нетворкинга. Остаемся в Москве еще на 2 дня, участвуем в мастермайндах, групповых разборах, бизнес-игре. Максимум инсайтов и фишек, а также новых и полезных знакомств.

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Кто спикеры?

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Роман Пузат, Александр Букреев, Михаил Шакин, Ольга Любимцева, Нина Парамонова, Никита Мазлов, Вадим Корепов, Ирина Криница и другие топовые вебмастера и эксперты.

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Количество мест на Арену ограничено! Билетов остается всё меньше.
Только для наших подписчиков и веб-мастеров действует промокод \"pampadu\" на скидку 7%. Срок действия промокода до 17.08.2021

\n\n\n\n

Скорее забирай свой билет в жаркий летний нетворкинг: забронировать место здесь

\n', 'Конференция для Веб-мастеров \"Арена 2021\"', 'На Арене весь нетворкинг расписан по минутам! Уйти без общения и пользы нереально даже самым большим интровертам:', 'publish', 'open', 'open', '', 'konferentsiya-dlya-veb-masterov-arena-2021', '', '', '2021-08-11 15:28:08', '2021-08-11 15:28:08', '', 0, 'https://blg.pampadu.ru/?p=625', 0, 'post', '', 0), (626, 1, '2021-08-11 15:24:24', '2021-08-11 15:24:24', '', 'Арена 2021', '', 'inherit', 'open', 'closed', '', 'blog-222', '', '', '2021-08-11 15:24:24', '2021-08-11 15:24:24', '', 625, 'http://pamtest.ru/wp-content/uploads/2021/08/blog-222.jpg', 0, 'attachment', 'image/jpeg', 0), (631, 1, '2021-08-17 08:36:04', '2021-08-17 08:36:04', '\n

Пожалуй, каждый страховой агент сталкивался с проблемной проходимости в ОСАГО. Никогда не угадаешь, сколько страховых компаний одобрит заявку на тот или иной регион и полис. Иногда приходится и вовсе отказывать клиенту :( Мы в Пампаду прекрасно это понимаем и стараемся постоянно улучшать проходимость на нашей платформе. К примеру, сейчас уже работает пролонгация в Ренессанс, Согласие, Ингосстрахе и Альфа-Страхование, а также безубыточный переход по ряду компаний. Это сильно помогает нашим агентам реже сталкиваться с отказами.

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Но это все равно не исключает отказы по нужной компании. Поэтому, анализируя сотни полисов и общаясь со страховыми компаниями, мы выявили ряд закономерностей и правил, зная которые, можно повысить шанс успешного прохождения скоринга и одобрения полиса ОСАГО на покупку .

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Подробнее читайте в нашей прошлой статье  здесь <-

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Сейчас проходимость на Пампаду.ру 85%, если брать срез по всем оформляемым полисам через нас. Но совсем скоро, эта цифра будет еще больше. Мы вернем оформление Грузовиков (наконец-то) и других категорий, а застраховать легковой автомобиль станет доступно в любом регионе! Как? Расскажем чуть позже.

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Оформляйте полисы и следите за новостями во всех соц.сетях. Готовится большое обновление.

\n\n\n\n

С любовью к своему делу,
команда Пампаду.ру!

\n', 'Как повысить проходимость в ОСАГО и страховать другие категории?', 'Сейчас проходимость на Пампаду.ру 85%, если брать срез по всем оформляемым полисам через нас. Но совсем скоро, эта цифра будет еще больше. ', 'publish', 'open', 'open', '', 'kak-povysit-prohodimost-v-osago-i-strahovat-drugie-kategorii', '', '', '2021-08-17 08:36:04', '2021-08-17 08:36:04', '', 0, 'https://blg.pampadu.ru/?p=631', 0, 'post', '', 0), (632, 1, '2021-08-17 08:28:40', '2021-08-17 08:28:40', '', '', '', 'inherit', 'open', 'closed', '', 'blog-x2', '', '', '2021-08-17 08:28:40', '2021-08-17 08:28:40', '', 631, 'http://pamtest.ru/wp-content/uploads/2021/08/blog-x2.jpg', 0, 'attachment', 'image/jpeg', 0), (637, 1, '2021-08-20 10:32:57', '2021-08-20 10:32:57', '\n

Уважаемые агенты, мы запускаем Акцию +500 руб. за 1-й полис ипотечного страхования

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Условия акции:
С 20.08.2021 по 31.08.2021 оформи 1-й полис ипотечного страхования — Жизни, Имущества или комбинированный Жизнь/Имущество — и получи +500 руб. на счёт в личном кабинете. Бонусы будут начислены 01.09.2021.

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P.S. в Акции могут также принять участие те агенты, у кого нет ни одного оформленного полиса по ипотеке, но есть полисы ОСАГО. Желаем вам удачи и отличных продаж.

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С любовью к своему делу,
Команда pampadu.ru

\n', 'Акция +500 рублей за 1-й полис ипотечного страхования', 'С 20.08.2021 по 31.08.2021 оформи 1-й полис ипотечного страхования — Жизни, Имущества или комбинированный Жизнь/Имущество — и получи +500 руб', 'publish', 'open', 'open', '', 'aktsiya-500-rublej-za-1-j-polis-ipotechnogo-strahovaniya', '', '', '2021-08-20 10:32:57', '2021-08-20 10:32:57', '', 0, 'https://blg.pampadu.ru/?p=637', 0, 'post', '', 0), (638, 1, '2021-08-20 10:29:06', '2021-08-20 10:29:06', '', 'Акция +500 руб. за 1-й полис ипотеки', '', 'inherit', 'open', 'closed', '', 'bloggg', '', '', '2021-08-20 10:29:06', '2021-08-20 10:29:06', '', 637, 'http://pamtest.ru/wp-content/uploads/2021/08/bloggg.jpg', 0, 'attachment', 'image/jpeg', 0), (641, 1, '2021-08-24 13:58:30', '2021-08-24 13:58:30', '\n

В этой статье расскажем вам об опыте других агентов, которые, следуя простым правилам, увеличили свой доход с продаж полисов ОСАГО и ипотечного страхования. И подскажем работающие способы, как найти новых клиентов и расширить круг предлагаемых услуг. А еще поделимся прекрасными новостями про ОСАГО A,B,C,D категорий и +12 банков для ипотеки.

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Как найти новых клиентов на ОСАГО?

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Под новыми клиентами мы понимаем тех, кому вы раньше просто технически не могли оформить полисы: закрытые регионы, не сегмент, транспортные средства категорий, отличных от B, и не для личного использования. Уже сейчас у всех пользователей стало доступно оформление всех категорий, включая такси, а также добавилась возможность пополнять баланс. После нескольких дней тестирования этот функционал станет доступен всем! Поэтому уже сейчас хотим рассказать, как с его помощью увеличить продажи.

Так как у вас появится возможность оформлять сложных клиентов, то за такую работу можно смело брать комиссию сверху, потому что клиенты не первый раз сталкиваются с проблемой оформления полиса и готовы доплачивать сверху. Опрос наших агентов показал, что в среднем комиссия сверху составляет 1500-3000 руб. в зависимости от региона и категории авто. Теперь не отказывайтесь от категорий отличных от B. - это все ваши новые клиенты! Не забывайте рассказывать о том, что вы теперь оформляете ОСАГО на все категории. Также вы можете оказывать услуги оформления проблемных полисов для других агентов, у которых меньше опыта или просто нет времени и они готовы вам за это заплатить. Это хорошая практика, которой с нами поделились агенты Пампаду.

При оформлении полиса в личном кабинете на первом этапе вам будет доступен выбор категории и цели использования, а на втором показано, как оформить такой полис. Скоро для всех агентов Пампаду!

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Как найти клиентов на Ипотечное страхование?

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Прежде всего вам нужно понять главную мысль - ипотечное страхование обязательно на весь срок действия ипотечного займа. Это означает, что все у кого приобретено жилье в кредит, каждый год покупают полис страхования. Почему не у вас? Зная это, мы можем построить план поиска клиентов для этого вида страхования и оформлять полисы для 22 банков от 4-х страховых компаний в Пампаду.

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Скорее всего у вас уже есть база клиентов по ОСАГО, круг знакомых, друзей и коллег. С него в первую очередь и нужно начать. Но как и какими инструментами рассказать о том, что вы теперь оказываете услугу страхования ипотеки, а главное делаете это с экономией до 45%. Ведь покупка полиса напрямую в банке обходится гораздо дороже и большинство продолжают переплачивать. Вы удивитесь, но многие продолжают платить ипотеку по ставке 11-13%, когда можно легко рефинансировать ее в другом банке под ставку 6-8%. Что же говорить о страховом полисе.

И так, как же сообщить вашим текущих клиентам о том, что вы теперь занимаетесь страхованием ипотеки?

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1.Сделайте e-mail или смс рассылку по контактам клиентов
Для этого есть специальные сервисы.

Для sms: smsc.ru, sms.ru и другие. Достаточно загрузить таблицу со списком контактов, текстовое сообщение и оно уйдет сразу на все номера. Стоимость одной смс 2-4 руб. Это гораздо быстрее и удобнее, чем отправлять вручную. Но и руками можете сделать рассылку в мессенджеры клиентам. Вот пример сообщения: [Имя, Здравствуйте! Ипотечное страхование с выгодной до 45%. За расчетом обращайтесь +7-***-***-**-**]

Для email рассылок можно использовать стандартную почту и ставить контакты в скрытую копию. Чтобы клиенты не увидели друг-друга. Но у почтовиков есть ограничения на количество писем, поэтому можно воспользоваться дополнительным сервисами: senpulse.com, unisender.com и другие. Они на русском и легко понятны. На небольшие объем сервисы бесплатны.

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2. Позвоните и Узнайте у кого есть ипотека и когда заканчивается полис
На наш взгляд самый эффективный и бесплатный способ, но требующий времени.

Прозвоните свою базу клиентов и сообщите им, что вы теперь не только осаго страхуете, но и Ипотеку. Узнайте есть ли у клиента ипотечный займ, а если да, то когда заканчивается полис или в каком месяце был заключен договор кредитования. Чаще всего эти даты совпадают. Сохраните себе эти даты. Объясните на примере, что с вами можно оформить полис выгоднее и онлайн без заполнения анкет и предоставления документов. Прозвонив всю базу, у вас будет список клиентов, кому точно нужна ваша услуга и вы знаете когда.

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3. Опубликуйте информацию во всех социальных сетях. Акцентируйте внимание на экономии и что полис точно примет банк. Также мы знаем частые случае, когда риэлторы готовы безвозмездно передавать страховому агенту своих клиентов, так как не хотят возиться со страховками.

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4. Спрашивайте о наличии ипотеки всех новых клиентов и сохраняйте даты, когда нужно будет продлить. Даже если вы ранее не оказывали услуг страхования, не стесняйтесь узнать эту информацию. Помните, вы помогаете подобрать, сэкономить и быстро оформить. Продукт классный!

Таким образом, мы с вами поделились нашим собственным и опытом агентов, который поможет вам увеличить количество продаж и ваш доход. Надеемся статья структурировала первые шаги в поиске клиентов по Ипотеке, а с возможность оформлять ОСАГО на все категории вы точно повысите свой доход.

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\n
Перейти в кабинет
\n
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С любовью к своему делу,
Команда Пампаду ?

\n\n\n\n

\n', 'Как зарабатывать больше на ОСАГО и Ипотечном страховании агенту?', 'В этой статье хотим рассказать вам об опыте других агентов, которые, следуя простым правилам, увеличили свой доход с продаж полисов ОСАГО и Ипотечного страхования. ', 'publish', 'closed', 'closed', '', 'kak-zarabatyvat-bolshe-na-osago-i-ipotechnom-strahovanii', '', '', '2021-08-24 13:58:30', '2021-08-24 13:58:30', '', 0, 'https://blg.pampadu.ru/?p=641', 0, 'post', '', 0), (648, 1, '2021-08-24 13:54:10', '2021-08-24 13:54:10', '', '', '', 'inherit', 'open', 'closed', '', 'dlya-bloga-cx2', '', '', '2021-08-24 13:54:10', '2021-08-24 13:54:10', '', 641, 'http://pamtest.ru/wp-content/uploads/2021/08/dlya-bloga-cx2.jpg', 0, 'attachment', 'image/jpeg', 0), (663, 1, '2021-08-28 09:04:30', '2021-08-28 09:04:30', '\n

Привет! В этот раз у нас подборка классных новостей, с которыми точно нужно ознакомиться, если вы занимаетесь страхованием, работаете с Пампаду или только планируете.

Коротко:
- Добавили упрощенную пролонгация в Ренессанс и Согласие;
- Открыли ОСАГО на A, B, C, D категории и все цели;
- Отмена диагностической карты;
- Добавили возможность пополнять баланс;
- Договорились о расширение сегментации в ВСК;
- Добавили +12 банков по Ипотечному страхованию;
- Написали статью, которая поможет зарабатывать больше;
- Список небольших, но важных исправлений;

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\"\"
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Теперь в СК Cогласие доступна упрощенная пролонгация. Заходя в раздел оформления нового полиса, выбирайте вкладку пролонгация и продлевайте полисы СК Согласие по упрощенной сегментации введя всего несколько данных по клиенту. Все точно также как уже работает по СК Альфа и Ингосстрах.

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\"\"
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Вместе с СК Ренессанс мы также запустили сервис упрощенной пролонгации, все тоже самое как по СК Согласие, только набор необходимых полей меньше - необходимо заполнить только серию и номер полиса. Пролонгация происходит с теми же самыми данными, как и в прошлом полисе. Дата начала следующий день после окончания текущего полиса. Сегментация для собственной пролонгации проще, поэтому проходимость выше. В первую очередь пробуйте оформить полис через упрощенную пролонгацию!

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\"\"
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Для тестовой группы 3000 пользователей открыли возможность оформлять полисы A,B,C,D категорий под любые цели использования, включая такси. Данная возможность пока тестируется и улучшается, мы общаемся с теми, кто уже оформил через нас полис на \"не сегмент\" и собираем обратную связь, вносим улучшения. Как только будем готовы и уверены в продукте, эта возможность расширится и на других пользователей, в первую очередь активных. Поэтому оформляйте полисы на Пампаду, чтобы первыми получать доступ к новому функционалу. Все обновления в первую очередь появляются в нашем Телеграмм канале: Ссылка на канал

Дополнительно уже для всех появилась возможность пополнять баланс, чтобы тратить его на восстановление кбм или на другие внутренние сервисы. Кнопка \"пополнить\" в разделе Мой баланс.

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С 22 Августа при оформлении полиса ОСАГО для авто категории В с целью использования «личная», больше не требуется указывать данные диагностической карты. Мы уже отменили эти поля в личном кабинете и в виджете. Узнали у всех страховых компаний, как теперь правильно передать им данные, чтобы все работало верно. Что это значит для вас? Теперь полис ОСАГО оформить проще, особенно это повлияет на тех, кто пользуется нашим виджетом, так как многие клиенты на моменте ввода диагностической карты терялись и уходили. Напоминаем, что техосмотр не отменен, а только отвязан от ОСАГО .

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Добавили + 12 банков для ипотечного страхования, а всего их уже 22! Четыре страховые компании готовы оформить полис страхования жизни, имущества или комбинированный вашим клиентам. Расчет всего по четырем данным. Для владельцев сайтов и приложений и тех кто хочет размещать ссылки в соц сетях - доступен виджет.

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Договорились с компанией ВСК о расширении сегментации по ОСАГО. Надеемся на увеличении количества одобрений и продаж. Если вы не знаете где оформить клиента, попробуйте в первую очередь на Пампаду. Мы каждые день вносим улучшения в работу интеграций со страховыми компаниями и договариваемся о расширении сегментаций, но не всегда может об этом рассказывать открыто.

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Написали для вас полезную статью, в которой на конкретных примерах агентов рассказали, как начать зарабатывать на страховании больше. То что вы уже можете сделать завтра! Читайте и применяйте. Читать статью

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Ряд небольших новы важных улучшений:

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Каждый день наша команда старается для пользователей и развивает Пампаду. Дальше будет много нового и полезного. Следите за новостями.

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С любовью к своему делу,
Команда Пампаду ?

\n\n\n\n

\n', 'Большие новости Пампаду 28.08.2021', 'Привет! В этот раз у нас подборка классных новостей, с которыми точно нужно ознакомиться, если вы занимаетесь страхованием, работаете с Пампаду или только планируете.\n', 'publish', 'open', 'open', '', 'bolshie-novosti-pampadu-28-09-2021', '', '', '2021-08-28 09:04:30', '2021-08-28 09:04:30', '', 0, 'https://blg.pampadu.ru/?p=663', 0, 'post', '', 0), (664, 1, '2021-08-28 06:54:47', '2021-08-28 06:54:47', '', '1-1', '', 'inherit', 'open', 'closed', '', '1-1', '', '', '2021-08-28 06:54:47', '2021-08-28 06:54:47', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/08/1-1.jpg', 0, 'attachment', 'image/jpeg', 0), (665, 1, '2021-08-28 06:57:31', '2021-08-28 06:57:31', '', '2-1', '', 'inherit', 'open', 'closed', '', '2-1', '', '', '2021-08-28 06:57:31', '2021-08-28 06:57:31', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/08/2-1.jpg', 0, 'attachment', 'image/jpeg', 0), (667, 1, '2021-08-28 07:21:33', '2021-08-28 07:21:33', '', '3-1', '', 'inherit', 'open', 'closed', '', '3-1', '', '', '2021-08-28 07:21:33', '2021-08-28 07:21:33', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/08/3-1.jpg', 0, 'attachment', 'image/jpeg', 0), (668, 1, '2021-08-28 07:26:51', '2021-08-28 07:26:51', '', '1-1', '', 'inherit', 'open', 'closed', '', '1-1-2', '', '', '2021-08-28 07:26:51', '2021-08-28 07:26:51', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/08/1-1.jpeg', 0, 'attachment', 'image/jpeg', 0), (671, 1, '2021-08-28 07:32:45', '2021-08-28 07:32:45', '', '2-2', '', 'inherit', 'open', 'closed', '', '2-2', '', '', '2021-08-28 07:32:45', '2021-08-28 07:32:45', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/08/2-2.jpeg', 0, 'attachment', 'image/jpeg', 0), (672, 1, '2021-08-28 07:36:24', '2021-08-28 07:36:24', '', '3r4333r3333243423-2', '', 'inherit', 'open', 'closed', '', '3r4333r3333243423-2', '', '', '2021-08-28 07:36:24', '2021-08-28 07:36:24', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/08/3r4333r3333243423-2.jpeg', 0, 'attachment', 'image/jpeg', 0), (673, 1, '2021-08-28 07:40:19', '2021-08-28 07:40:19', '', 'cx2', '', 'inherit', 'open', 'closed', '', 'cx2', '', '', '2021-08-28 07:40:19', '2021-08-28 07:40:19', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/08/cx2.jpeg', 0, 'attachment', 'image/jpeg', 0), (680, 1, '2021-08-28 09:02:44', '2021-08-28 09:02:44', '', 'новости-2 (2)', '', 'inherit', 'open', 'closed', '', 'novosti-2-2', '', '', '2021-08-28 09:02:44', '2021-08-28 09:02:44', '', 663, 'http://pamtest.ru/wp-content/uploads/2021/08/novosti-2-2.jpg', 0, 'attachment', 'image/jpeg', 0), (681, 1, '2021-08-28 09:03:36', '2021-08-28 09:03:36', '', 'Большие новости на Пампаду 28.08.2021', '', 'inherit', 'open', 'closed', '', 'novosti-2-1', '', '', '2021-08-28 09:03:36', '2021-08-28 09:03:36', '', 663, 'http://pamtest.ru/wp-content/uploads/2021/08/novosti-2-1.jpg', 0, 'attachment', 'image/jpeg', 0), (684, 1, '2021-08-28 10:02:49', '2021-08-28 10:02:49', '', 'Большие новости на Пампаду 28.08.2021', '', 'inherit', 'open', 'closed', '', 'bezimeni43443343444-9', '', '', '2021-08-28 10:02:49', '2021-08-28 10:02:49', '', 663, 'http://pamtest.ru/wp-content/uploads/2021/08/Bezimeni43443343444-9.jpg', 0, 'attachment', 'image/jpeg', 0), (685, 1, '2021-08-28 10:41:08', '2021-08-28 10:41:08', '', 'Большие новости на Пампаду 28.08.2021', '', 'inherit', 'open', 'closed', '', 'bezimeniaaaaaa444-9', '', '', '2021-08-28 10:41:08', '2021-08-28 10:41:08', '', 663, 'http://pamtest.ru/wp-content/uploads/2021/08/Bezimeniaaaaaa444-9.jpg', 0, 'attachment', 'image/jpeg', 0), (689, 1, '2021-09-01 15:21:20', '2021-09-01 15:21:20', '\n

Уважаемые агенты, на платформе Пампаду закончилась акция «+500 рублей за первый полис ипотеки». 69 участников акции уже получили денежный приз себе на счёт в личном кабинете.

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Благодарим всех, кто принял участие, ждите анонса новых акций и побеждайте.

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С любовью к своему делу,
команда Пампаду 

\n', 'Подвели итоги Акции — +500 руб. за 1-й полис ипотеки', '69 участников акции уже получили денежный приз себе на счёт в личном кабинете.', 'publish', 'open', 'open', '', 'podveli-itogi-aktsii-500-rub-za-1-j-polis-ipoteki', '', '', '2021-09-01 15:21:20', '2021-09-01 15:21:20', '', 0, 'https://blg.pampadu.ru/?p=689', 0, 'post', '', 0), (690, 1, '2021-09-01 15:18:12', '2021-09-01 15:18:12', '', 'Итоги Акции', '', 'inherit', 'open', 'closed', '', 'setii-222', '', '', '2021-09-01 15:18:12', '2021-09-01 15:18:12', '', 689, 'http://pamtest.ru/wp-content/uploads/2021/09/setii-222.jpg', 0, 'attachment', 'image/jpeg', 0), (696, 1, '2021-09-09 13:13:52', '2021-09-09 13:13:52', '\n

По многочисленным просьбам перезапускаем акцию “Стань самозанятым и получи 500 рублей”

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Станьте самозанятым на Пампаду с 9.09.2021 до включительно 17.09.2021, бонус 500 рублей будет начислен на счёт в личном кабинете 18.09.2021

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Деньги можно будет вывести в личном кабинете сразу – это главное преимущество работы в качестве самозанятого. Акция не распространяется на агентов, которые уже стали самозанятыми до 9.09.2021

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Перейти в статус самозанятого вы можете у нас на платформе за 10 минут, при этом вы получите огромное количество выгод для себя.

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Статус самозанятого абсолютно бесплатный и вы можете совмещать его с любой официальной работой. Налогом облагается только доход, полученный на Пампаду, и тот, на который вы выпишите чек. Все остальные поступления на карту налогом не облагаются.

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Читайте подробнее о выгодах самозанятого тут

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Как перейти на режим быстрых выплат и получить деньги уже сегодня

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Чтобы перейти на режим быстрых выплат, нажмите кнопку «Вывести» в разделе «Мой баланс».

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\"\"
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Далее во втором столбце кликайте «Подробнее» и пройдите пошаговую инструкцию.

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\"выбор
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Почему мы дарим 500 рублей всем, кто станет самозанятым

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Все новое кажется страшным или неудобным, поэтому мы решили облегчить переход на быстрые выплаты в статусе самозанятого. Уже больше 2500 агентов работают с Пампаду в качестве самозанятых, это официально и удобно. 

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ВАЖНО: можно совмещать официальную работу и статус самозанятого. После регистрации для вас ничего не изменится: тот же размер вознаграждений + 6% будут приходить на те же самые реквизиты, что и сейчас. Но теперь вы сможете получить свое вознаграждение в любой момент, когда вам необходимо, и полностью официально, с возможностью получить справку. Оплатить налог за самозанятого не сложнее, чем абонентскую плату за телефон. И это доступно для пользователей, прописанных в любом регионе РФ.

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Если все еще думаете, что вам это не подходит, то читайте про «Мифы и легенды о самозанятых».

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Регистрируйтесь в качестве самозанятого на Пампаду и забирайте бонус 500 руб.

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Стать самозанятым — жмите и действуйте по инструкции.

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С любовью к своему делу,
Команда Пампаду 

\n', 'Стань самозанятым и получи 500 рублей', 'Станьте самозанятым на Пампаду с 9.09.2021 до включительно 17.09.2021, бонус 500 рублей будет начислен на счёт в личном кабинете 18.09.2021', 'publish', 'open', 'open', '', 'stan-samozanyatym-i-poluchi-500-rublej-2', '', '', '2021-09-09 13:13:52', '2021-09-09 13:13:52', '', 0, 'https://blg.pampadu.ru/?p=696', 0, 'post', '', 0), (697, 1, '2021-09-09 13:13:34', '2021-09-09 13:13:34', '', '', '', 'inherit', 'open', 'closed', '', 'blog-222xx', '', '', '2021-09-09 13:13:34', '2021-09-09 13:13:34', '', 696, 'http://pamtest.ru/wp-content/uploads/2021/09/blog-222xx.jpg', 0, 'attachment', 'image/jpeg', 0), (699, 1, '2021-09-10 13:13:01', '2021-09-10 13:13:01', '\n

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Как вы знаете на Пампаду есть Виджет для веб-мастеров — это эффективный инструмент по онлайн заработку на Е-ОСАГО и страховании ипотеки с продуманным сценарием и максимальной конверсией в покупку. Множество наших агентов привлекают себе клиентов через интернет, поэтому данная конференция будет полезна всем.

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Немного о ней:
Большие бренды, рекламодатели и владельцы крупных рекламных площадок соберутся 17 октября на офлайн-конференции Admitad Expert в Москве.

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В программе:
-Новые инструменты привлечения аудитории;
-Кейсы от практиков интернет-маркетинга;
-Нетворкинг с другими профессионалами digital-сферы.
-Среди спикеров – эксперты из AliExpress Россия, «ВКонтакте», -«МВидео-Эльдорадо», Vprok.ru («Перекрёсток»), «Сбермегамаркета»

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А после серьезных тем и обсуждений вас будет ждать Afterparty: неформальное общение, новые знакомства и подарки от наших партнеров. Все то, по чему мы так скучали.

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По промокоду PAMPADU - скидка 15%

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Забирай свои билеты на участие - https://admitad.expert/

\n', 'Пампаду совместно с Admitad Expert проводит конференцию для веб-мастеров.', 'Большие бренды, рекламодатели и владельцы крупных рекламных площадок соберутся 17 октября на офлайн-конференции Admitad Expert в Москве.', 'publish', 'open', 'open', '', 'pampadu-sovmestno-s-admitad-expert-provodit-konferentsiyu-dlya-veb-masterov', '', '', '2021-09-10 13:13:01', '2021-09-10 13:13:01', '', 0, 'https://blg.pampadu.ru/?p=699', 0, 'post', '', 0), (700, 1, '2021-09-10 13:11:00', '2021-09-10 13:11:00', '', '', '', 'inherit', 'open', 'closed', '', 'bezim34k3k343e44ni-2', '', '', '2021-09-10 13:11:00', '2021-09-10 13:11:00', '', 699, 'http://pamtest.ru/wp-content/uploads/2021/09/Bezim34k3k343e44ni-2.jpg', 0, 'attachment', 'image/jpeg', 0), (702, 1, '2021-09-14 13:53:31', '2021-09-14 13:53:31', '\n

Уважаемые агенты, у нас прекрасная новость!

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Оформление ОСАГО на транспортные средства категорий A,B,C,D открыто всем. Входите в личный кабинет - agents.blg.pampadu.ru и оформляйте страховку для любых авто и любой цели, в том числе для грузовых авто, такси и учебного транспорта.

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Используйте нашу платформу для работы с клиентами из несегментных регионов и регионов с низкой проходимостью.

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Подробности читайте в статье - https://help.blg.pampadu.ru/article/4362

С любовью к своему делу,
Команда blg.pampadu.ru ?

\n', 'Оформление ОСАГО на A,B,C,D открыто всем агентам', 'Ооформляйте страховку для любых авто и любой цели, в том числе для грузовых авто, такси и учебного транспорта.', 'publish', 'open', 'open', '', 'oformlenie-osago-na-a-b-c-d-otkryto-vsem-agenta', '', '', '2021-09-14 13:53:31', '2021-09-14 13:53:31', '', 0, 'https://blg.pampadu.ru/?p=702', 0, 'post', '', 2), (703, 1, '2021-09-14 13:53:21', '2021-09-14 13:53:21', '', '', '', 'inherit', 'open', 'closed', '', 'dlya-bloga-c-osago', '', '', '2021-09-14 13:53:21', '2021-09-14 13:53:21', '', 702, 'http://pamtest.ru/wp-content/uploads/2021/09/dlya-bloga-c-osago.jpg', 0, 'attachment', 'image/jpeg', 0), (710, 12, '2021-09-29 09:48:52', '2021-09-29 09:48:52', '\n

Оформить несегмент в онлайне непросто. Опытные агенты используют систему Е-Гарант, быстрый доступ к которой открыт у нас платформе. В связи с тем, что не все наши пользователи знакомы с системой, мы подготовили серию обучающих статей. И сегодня вкратце расскажем, что такое Е-Гарант и для чего. 

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Система Е-Гарант — разработана Российским союзом автостраховщиков, чтобы обеспечить выполнение закона №40-ФЗ об ОСАГО. По задумке система должна: 

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— гарантировать всем страхователям оформление полиса ОСАГО в онлайн-режиме.

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— равномерно распределять прогнозируемые убытки от несегмента между страховщиками. 

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Но на практике все не так просто и есть много «но», сильно осложняющих процесс онлайн-оформления полисов, неугодных страховым. Во-первых, попасть в систему Е-Гарант не так-то просто. Чтобы получить заветную ссылку, вы должны получить отказ на официальных сайтах нескольких страховых. А для этого — зарегистрировать учетку страхователя, оставить его контакты, ввести паспортные данные и даже ИНН... 

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Во-вторых, внутри самой системы запросто получить отказ, если не знать всех подводных камней. О них мы расскажем в следующей статье, а пока предлагаем ознакомиться с услугой быстрого перехода в Систему Е-Гарант. Что полезного в ней для агента? Подмена емейла страхователя и многоразовый доступ в систему на сутки! 

\n\n\n\n

Читайте инструкцию и пробуйте оформить несегмент с помощью нашей услуги. 

\n', 'Где оформить страховку на несегмент', 'Мы подготовили серию обучающих статей про систему Е-Гарант. И сегодня вкратце расскажем, что это такое и для чего. ', 'publish', 'open', 'open', '', 'gde-oformit-nesegment', '', '', '2021-09-29 09:48:52', '2021-09-29 09:48:52', '', 0, 'https://blg.pampadu.ru/?p=710', 0, 'post', '', 0), (712, 13, '2021-09-29 09:24:52', '2021-09-29 09:24:52', '', 'Что такое Е-Гарант и чем полезен', '', 'inherit', 'open', 'closed', '', 'sots-seti-1', '', '', '2021-09-29 09:24:52', '2021-09-29 09:24:52', '', 710, 'http://pamtest.ru/wp-content/uploads/2021/09/Sots-seti-1.jpg', 0, 'attachment', 'image/jpeg', 0), (714, 13, '2021-09-29 09:38:16', '2021-09-29 09:38:16', '', 'OSAGO-221', '', 'inherit', 'open', 'closed', '', 'osago-221', '', '', '2021-09-29 09:38:16', '2021-09-29 09:38:16', '', 710, 'http://pamtest.ru/wp-content/uploads/2021/09/OSAGO-221.jpg', 0, 'attachment', 'image/jpeg', 0), (724, 1, '2021-10-01 11:13:26', '2021-10-01 11:13:26', '\n

Уважаемые коллеги, как мы ранее предупреждали, с 01.10.2021 значительно изменены размеры комиссий от СК Согласие и Росгосстрах. Не забудьте поменять вознаграждение своим субагентам!

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Изменение связано с тем, что некоторые страховые компании уже выполнили годовой план или стараются снизить убыточность. Есть регионы, кому повезло и там произошло увеличение. Мы как всегда, постарались оставить максимально высокое вознаграждение.

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Росгосстрах

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Повышено комиссионное вознаграждение в следующих регионах:
— Амурская область
— Еврейская автономная область
— Забайкальский край
— Иркутская область
— Кировская область
— Костромская область
— Курганская область
— Курская область
— Магаданская область
— Новгородская область
— Новосибирская область
— Орловская область
— Приморский край
— Псковская область
— Республика Карелия
— Республика Мордовия
— Республика Саха (Якутия)
— Республика Хакасия
— Рязанская область
— Сахалинская область
— Смоленская область
— Тамбовская область
— Хабаровский край
— Ханты-Мансийский автономный округ — Югра
— Челябинская область

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Понижено в регионах:
— Воронежская область
— Город Москва
— Город Санкт-Петербург
— Ивановская область
— Калужская область
— Кемеровская область
— Краснодарский край
— Ленинградская область
— Московская область
— Мурманская область
— Ненецкий автономный округ
— Нижегородская область
— Омская область
— Пензенская область
— Пермский край
— Республика Башкортостан
— Республика Бурятия
— Республика Калмыкия
— Республика Татарстан (Татарстан)
— Самарская область
— Саратовская область
— Свердловская область
— Ставропольский край
— Тюменская область
— Удмуртская Республика
— Ульяновская область
— Ямало-Ненецкий автономный округ
— Ярославская область

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Согласие

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Повышено КВ для следующих регионов:
— Камчатский край
— Пензенская область
— Республика Башкортостан
— Республика Калмыкия
— Саратовская область

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Понижено для всех остальных регионов.

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С любовью к своему делу,
Команда Пампаду.ру ?

\n', 'Изменения комиссий по ОСАГО от СК Согласие и Росгосстрах', 'С 01.10.2021 значительно изменены размеры комиссий от СК Согласие и Росгосстрах. Рассказываем подробно, по каким регионам было повышение, а по каким понижение.', 'publish', 'closed', 'closed', '', 'izmenenie-kv-po-osago-v-soglasie-i-rosgosstrah-s-01-10-2021', '', '', '2021-10-01 11:13:26', '2021-10-01 11:13:26', '', 0, 'https://blg.pampadu.ru/?p=724', 0, 'post', '', 0), (725, 13, '2021-10-01 10:28:39', '2021-10-01 10:28:39', '', 'Изменение вознаграждений по ОСАГО', '', 'inherit', 'open', 'closed', '', 'bezim333eni-3', '', '', '2021-10-01 10:28:39', '2021-10-01 10:28:39', '', 724, 'http://pamtest.ru/wp-content/uploads/2021/10/Bezim333eni-3.jpg', 0, 'attachment', 'image/jpeg', 0), (740, 13, '2021-10-01 12:26:00', '2021-10-01 12:26:00', '', 'image', '', 'inherit', 'open', 'closed', '', 'image-3', '', '', '2021-10-01 12:26:00', '2021-10-01 12:26:00', '', 724, 'http://pamtest.ru/wp-content/uploads/2021/10/image.png', 0, 'attachment', 'image/png', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (743, 1, '2021-10-04 11:38:51', '2021-10-04 11:38:51', '\n

Привет! Закончился сентябрь и мы подводим небольшой итог. Коротко, новости страхования и работы в сервисе Пампаду. Отдельно по каждому продукту и общие. Поехали!

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Общие новости

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1. Улучшили работу поддержки: произвели кадровые изменения, обучение и теперь поддержка отвечает в чате и в выходные с 09:00 до 15:00 по Москве. Следим за каждой вашей оценкой и конструктивным отзывом!

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2. Запустили страницу Карьера: там всегда можно ознакомиться с открытыми вакансиями, а также отправить свое резюме на будущее. Мы всегда ищем таланты и трудолюбивых коллег из сферы страхования, финансов и it. Если вам не дают возможность реализоваться на текущем месте работы - приходите в Пампаду!

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3. Мы прошли проверку и стали резидентами инновационного центра Сколково, что подтверждает нашу надежность и прозрачность как компании и использование современных технологий. Отдельно о том, какой положительный эффект это принесет расскажем позже. Подтверждение тут СТРАХОВЫЕ ПАРТНЕРЫ | Участник проекта «Сколково»

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4. Порядок прохождения техосмотра с 01 Октября
Напоминаем, что с 22 Августа техосмотр отвязан от ОСАГО и не нужен для оформления полиса и НИКАК с ним не связан. Однако обязанность проходить его у части автомобилистов осталась.

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Льготный срок действия диагностических карт постепенно начинает истекать. Так, в октябре 2021 года на техосмотр придется приехать тем, у кого фактический срок диагностических карт истек в феврале.

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Подробнее читайте тут:
Техосмотр с 1 октября: кому придется проходить, а кому — нет :: Autonews

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5. Самозанятых все больше - уже свыше половины всех физических лиц на Пампаду работает в качестве самозанятого и получают выплату ровно через 2 минуты после заказа в личном кабинете. Если вы не хотите ждать выплаты, становитесь самозанятым за 15 минут и получайте деньги за продажи сразу! По вопросам спрашивайте в чате поддержки.

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ОСАГО

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1. Оформление всех категорий. - Уже больше полумесяца доступна возможность оформлять полисы на A,B,C,D категории и любые цели и в любых регионах. За это время свыше 600 агентов, воспользовались этим функционалом и не раз. Да, процесс не самый простой, поэтому в начале рекомендуем ознакомиться с инструкцией, но научившись страховать все категории и регионы, вы сможете существенно повысить свой доход, так как сможете брать комиссию за ваши услуги с клиентов. По нашему опросу средняя комиссия в регионах составляет 1.600 руб. за один оформленный \"сложный\" полис, особенно за такси и грузовики.

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2. В Росгосстрах и Согласие произошли изменения комиссий по большей части регионов. Не забудьте изменить своим субагентам. Подробнее тут: Изменения комиссий по ОСАГО от СК Согласие и Росгосстрах

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3. Пролонгация Согласие и Ренессанс - несколько недель назад мы первые запустили возможность упрощенной пролонгации в этих страховых в тестовом режиме. Компании оказались не готовы и все это время дорабатывали и исправляли ошибки. С каждым днем все большее количество полисов будет успешно продлеваться через упрощенный метод. Пробуйте.

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Также было проведено множество доработок и исправлений о которых вы сообщали, что повлияет на проходимость и стабильную работу виджета ОСАГО, APi и личного кабинета.

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Ипотека

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С каждым месяцем количество продаж и агентов, которые стали продавать ипотечное страхование становится все больше. Мы в процессе подключения новых компаний и банков, а также титульного страхования. Если вы еще не знаете как работать с ипотечным страхованием, читайте и смотрите видео тут: Ипотека | База знаний

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Продолжаем работать для вас и улучшать сервис, продукты и создавать новые, чтобы вы зарабатывали с Пампаду больше!

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С любовью к своему делу,
Команда Пампаду ?

\n', 'Новости Пампаду 04.10.2021', 'Рассказываем о последних обновлениях в ОСАГО и Ипотеке, которые вы могли пропустить.', 'publish', 'open', 'open', '', 'novosti-pampadu-04-10-2021', '', '', '2021-10-04 11:38:51', '2021-10-04 11:38:51', '', 0, 'https://blg.pampadu.ru/?p=743', 0, 'post', '', 0), (744, 13, '2021-10-04 11:30:40', '2021-10-04 11:30:40', '', 'Новости Пампаду 04.10.2021', '', 'inherit', 'open', 'closed', '', '1030x498-2', '', '', '2021-10-04 11:30:40', '2021-10-04 11:30:40', '', 743, 'http://pamtest.ru/wp-content/uploads/2021/10/1030x498-2.jpg', 0, 'attachment', 'image/jpeg', 0), (750, 12, '2021-10-05 12:22:48', '2021-10-05 12:22:48', '\n

Единственная возможность оформить полис на несегмент онлайн — система Е-Гарант. Но сделать это становится все сложнее и сложнее. Продолжаем серию статей о том, как избежать ошибок и успешно оформить полис в системе. И сегодня поговорим о том, какие страховые стоит выбирать в системе, а какие нет и почему.

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В буднее время в системе Е-Гарант практически всегда отсутствуют доступные лимиты большинства страховых. Обновление происходит в разное время суток, и лимиты разбираются в течение 3 часов. Все остальное время остаются доступны к выбору единичные компании, лимиты которых не убывают подозрительно долго. 

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Чаще это Ресо, Баск, Югория, и совсем недавно стали задерживаться лимиты у Росгосстраха. Если вы не опытный страховой агент, не выбирайте перечисленные страховые, в большинстве случаев получите отказ. 

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Чтобы не тратить время и усилия на неоднократные попытки оформить полис у данных страховых, следите за обновлением лимитов. Это можно сделать с помощью специализированных  Телеграм-каналов. Один из них — https://t.me/sk_rsa. Если нет возможности установить Телеграм, проверяйте доступные лимиты в вашем личном кабинете у нас на платформе. Это можно сделать на 2 этапе оформления полиса. Для этого разверните блок «Подробнее» и кликните «Проверить».

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\"\"
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Не переходите в систему, если в списке увидите лишь постоянно «доступные» СК. В первую очередь рекомендуем следить за появлением и выбирать такие СК, как Альфа, Согаз и Ингосстрах. По ним еще массовые отказы замечены не были.

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Причины массовых отказов различаются в зависимости от страховой. Рассмотрим СК Росгосстрах, которая еще совсем недавно пропускала все, но теперь перестала. В большинстве случаев отказы Росгосстраха связаны с тем, что в справочнике марок и моделей страховой компании нет указанных в полисе. 

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Пользователю предлагается отредактировать данные о транспортном средстве в отведенные 18 минут. В принципе, не сложно указать слетевшую категорию ТС, а затем заменить марку и модель, которые страховая распознала как «Другая марка» и «Другая модель». Списки предлагаемых на замену марок и моделей открываются кликом по стрелке справа от соответствующего поля (см. скрин ниже). Например, без проблем удастся заменить и обязательно меняйте марку «Lada» на «ВАЗ/Lada», модель «2121 (4x4)/Нива» на «2121/Нива/Niva Legend».

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\"\"
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Но! Проблема в том, что по части марок авто в списках просто нет подходящих моделей для отдельных категорий. Например, нет моделей по категории C для марки «MAZ». Поэтому сохранить изменения не удастся. Единственная возможность успешно оформить полис для такого авто — выбрать другую страховую. Возвращайтесь в личный кабинет, обновляйте ссылку на переход и выбирайте другую страховую.

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С любовью к своему делу,
Команда Пампаду ?

\n\n\n\n

\n', 'Какие страховые выбирать в Е-Гарант', 'Продолжаем серию статей о том, как успешно оформить полис через Е-Гарант. Сегодня поговорим о правильном выборе страховой.', 'publish', 'closed', 'closed', '', 'kak-oformit-polis-na-nesegment-v-e-garant', '', '', '2021-10-05 12:22:48', '2021-10-05 12:22:48', '', 0, 'https://blg.pampadu.ru/?p=750', 0, 'post', '', 0), (751, 13, '2021-10-05 12:09:35', '2021-10-05 12:09:35', '', '16_', '', 'inherit', 'open', 'closed', '', '16_', '', '', '2021-10-05 12:09:35', '2021-10-05 12:09:35', '', 750, 'http://pamtest.ru/wp-content/uploads/2021/10/16_.png', 0, 'attachment', 'image/png', 0), (752, 13, '2021-10-05 12:10:34', '2021-10-05 12:10:34', '', 'unnamed-file', '', 'inherit', 'open', 'closed', '', 'unnamed-file', '', '', '2021-10-05 12:10:34', '2021-10-05 12:10:34', '', 750, 'http://pamtest.ru/wp-content/uploads/2021/10/unnamed-file.png', 0, 'attachment', 'image/png', 0), (753, 13, '2021-10-05 12:12:08', '2021-10-05 12:12:08', '', 'как оформить е-гарант', '', 'inherit', 'open', 'closed', '', '1038x498', '', '', '2021-10-05 12:12:08', '2021-10-05 12:12:08', '', 750, 'http://pamtest.ru/wp-content/uploads/2021/10/1038x498.jpg', 0, 'attachment', 'image/jpeg', 0), (793, 1, '2021-10-16 07:51:42', '2021-10-16 07:51:42', '\n

Хотим поделиться важной для нас новостью. В конце сентября экспертный совет завершил проверку и принял решение о принятии Пампаду - pampadu.ru (ООО Страховые Партнеры) в состав резидентов научно-технологического инновационного комплекса по разработке и коммерциализации новых технологий - Сколково.

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Это подтверждает высокий уровень используемых технологий, прозрачную и честную работу всего нашего проекта, нацеленного на развитие партнерских продаж в страховании для агентов, вебмастеров и бизнеса.

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Статус резидента поможет нам эффективнее развивать сервис, с помощью привлечения новых экспертов рынка, финансирования и крупных партнеров не только из рынка страхования.

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Наша страница в Сколково

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С любовью и заботой к своему дела,
Команда Пампаду ?

\n', 'Пампаду - резидент Сколково', 'Хотим поделиться важной для нас новостью. blg.pampadu.ru - резидент Сколково.', 'publish', 'open', 'open', '', 'pampadu-rezident-skolkovo', '', '', '2021-10-16 07:51:42', '2021-10-16 07:51:42', '', 0, 'https://blg.pampadu.ru/?p=793', 0, 'post', '', 0), (794, 13, '2021-10-15 10:59:41', '2021-10-15 10:59:41', '', 'сколково', '', 'inherit', 'open', 'closed', '', '1030x498', '', '', '2021-10-15 10:59:41', '2021-10-15 10:59:41', '', 793, 'http://pamtest.ru/wp-content/uploads/2021/10/1030x498.jpg', 0, 'attachment', 'image/jpeg', 0), (803, 12, '2021-10-21 12:54:13', '2021-10-21 12:54:13', '\n

Наши пользователи уже оформили больше тысячи полисов для несегмента с помощью системы Е-Гарант. И сегодня расскажем, почему и как платная услуга полезна профессиональному страховому агенту.

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По статистике продаж самые активные пользователи услуги перехода в Е-Гарант — профессиональные страховые агенты, работающие по прямым агентским договорам с несколькими страховыми компаниями. Причина — даже по прямым договорам СК выставляют много блокировок, в том числе в открытых регионах. Под запретом и 3-й класс страхователя, и неограничка, и молодые водители, и марки авто ГАЗ, и категории C, D и даже любые новые полисы. В таких условиях Е-Гарант — единственный выход оформить несегмент и сохранить наработанную клиентскую базу. 

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Так как же зарабатывают опытные агенты на Е-Гаранте? Берут доплату за оформление с клиента. Ведь, когда по прямому договору страховая пропускает полис стоимостью в 3-4 тысячи только с допником в 7 тысяч, клиенту проще доплатить агенту тысячу-две. Поэтому стоит предлагать оформление за доплату. Не вы, так другой поможет клиенту. И на следующий год или с другой машиной он пойдет к тому агенту. И порекомендует его своим знакомым и друзьям.

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Что начинающим работу с системой Е-Гарант советуют успешные агенты? 

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— Договариваться с клиентом о доплате и разъяснять условия оформления в течение 3-4 дней.

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— Запрашивать у клиента цветные сканы оригиналов документов или сканировать их самостоятельно на белом фоне.

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— Проверять внимательно и по несколько раз введенные данные полиса до формирования ссылки на переход.

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— Отслеживать лимиты в личном кабинете или в специализированных Телеграм-каналах (https://t.me/sk_rsa) и переходить в систему только после обновления. 

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— Выбирать в Е-Гаранте проверенные страховые компании: Альфа, Ингосстрах, Согаз. Или те, с которыми есть прямой агентский договор.

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— Обращаться за помощью в чат поддержки в случае ошибок или отказов на платформе и в системе. Специалисты техподдержки не просто помогают найти и исправить ошибки заполнения, но и порой доводят агента до покупки.

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Работать с системой Е-Гарант непросто, но благодаря ей вы не только сохраните клиентскую базу, но и можете неплохо заработать.

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С любовью к своему делу,
Команда Пампаду ?

\n', 'Как зарабатывать с Е-Гарант', 'Сегодня расскажем, почему и как платная услуга Е-Гарант полезна профессиональному страховому агенту.', 'publish', 'open', 'open', '', 'kak-zarabatyvat-s-e-garant', '', '', '2021-10-21 12:54:13', '2021-10-21 12:54:13', '', 0, 'https://blg.pampadu.ru/?p=803', 0, 'post', '', 0), (804, 13, '2021-10-21 12:45:50', '2021-10-21 12:45:50', '', 'заработок с Е-Гарант', '', 'inherit', 'open', 'closed', '', '1030x498x', '', '', '2021-10-21 12:45:50', '2021-10-21 12:45:50', '', 803, 'http://pamtest.ru/wp-content/uploads/2021/10/1030x498x.jpg', 0, 'attachment', 'image/jpeg', 0), (815, 1, '2021-10-25 10:28:30', '2021-10-25 10:28:30', '\n

Как вы знаете, мы давно активно призываем всех физических лиц становиться самозанятыми. Кроме явных преимуществ в виде моментального получения выплаты после заказа и увеличенного ее размера, мы также понимаем, что в среднесрочной перспективе - это единственный прозрачный и официальный способ работы с онлайн сервисами для физических лиц.

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В подтверждении наших слов появилась новость о том, что обсуждается законопроект запрещающий онлайн сервисам и агрегаторам работать с физическими лицами. Только самозанятые и ИП и ООО. В обсуждении приняли участие крупнейшие сервисы такси, доставки и маркетплейсы: озон и вайлдберис, которые как и мы уже активно работают самозанятыми.

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Поэтому становитесь самозанятым на Пампаду уже сегодня, тем более это занимает 11 минут, после чего вы можете мгновенно получить выплату с бонусом +8% по сравнению с выплатой физическому лицу. Подробности спрашивайте в чате поддержки.

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Ссылка на статью здесь

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С любовью к своему делу,
Команда Пампаду ?

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\n', 'Онлайн-агрегаторов могут вынудить работать только с предпринимателями и самозанятыми', 'Рассказываем о будущих изменениях работы самозанятых с онлайн-агрегаторами и почему стоит на него перейти уже сейчас.', 'publish', 'open', 'open', '', 'onlajn-agregatorov-mogut-vynudit-rabotat-tolko-s-predprinimatelyami-i-samozanyatymi', '', '', '2021-10-25 10:28:30', '2021-10-25 10:28:30', '', 0, 'https://blg.pampadu.ru/?p=815', 0, 'post', '', 0), (819, 13, '2021-10-25 10:27:32', '2021-10-25 10:27:32', '', 'новости о самозанятых', '', 'inherit', 'open', 'closed', '', 'forbs', '', '', '2021-10-25 10:27:32', '2021-10-25 10:27:32', '', 815, 'http://pamtest.ru/wp-content/uploads/2021/10/forbs.jpg', 0, 'attachment', 'image/jpeg', 0), (825, 1, '2021-10-26 12:41:55', '2021-10-26 12:41:55', '\n

Уважаемые агенты, уже несколько страховых компаний начали обращать внимание на полисы, в которых в ближайшие 30 дней после покупки вносятся изменения, ухудшающие условия страхования с целью обойти сегментацию.
К примеру приводят к увеличению:
- Коэффициента Территории (КТ)
- Коэффициента ограничений (КО - смена списка водителей на мультидрайв)
- Коэффициента Возраст-Стаж (КВС)
- Коэффициента Бонус-Малус (КБМ)

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За такие полисы, а также за аннулированные или расторгнутые полисы в течение 30-45 дней после покупки, страховая компания может не оплатить нам комиссию, соответственно мы не сможем оплатить ее вам и полис сменит статус на \"Аннулированный\" с комментарием причины.

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Поэтому учитывайте в своей работе, что не нужно вносить изменения, с целью обойти сегментацию, комиссия за такие полисы может быть не выплачена. Если все же необходимо изменить полис, тогда лучше клиенту самостоятельно обратиться в офис. Будьте внимательны.

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С любовью к своему делу,
Команда Пампаду ?

\n', 'Важно! Новые правила внесения изменений в полисы. Отказ в выплате КВ', 'Рассказываем о новых правилах внесения изменений в полисы. Они могут стать \"аннулированными\".', 'publish', 'closed', 'closed', '', 'vazhno-novye-pravila-vneseniya-izmenenij-v-polisy-otkaz-v-vyplate-kv', '', '', '2021-10-26 12:41:55', '2021-10-26 12:41:55', '', 0, 'https://blg.pampadu.ru/?p=825', 0, 'post', '', 0), (827, 13, '2021-10-26 12:38:32', '2021-10-26 12:38:32', '', 'новые правила изменений в полисы', '', 'inherit', 'open', 'closed', '', '1030x498-1', '', '', '2021-10-26 12:38:32', '2021-10-26 12:38:32', '', 825, 'http://pamtest.ru/wp-content/uploads/2021/10/1030x498-1.jpg', 0, 'attachment', 'image/jpeg', 0), (830, 12, '2021-11-03 11:38:26', '2021-11-03 11:38:26', '\n

На пролонгации полисов вы заработаете гораздо больше, чем на оформлении новых полисов. Страховые компании нередко дают за нее повышенное комиссионное вознаграждение и настраивают улучшенную проходимость. Однако запоздавшее продление порой пролонгацией не считается. Поэтому мы реализовали функционал, который поможет вам продлевать полисы клиентов вовремя и зарабатывать больше. 

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Интерактивный дашборд о пролонгации 

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На главной странице личного кабинета размещена интерактивная информационная панель с количеством полисов к продлению, суммой комиссионного вознаграждения, которое вы можете заработать, и ссылкой на переход к отсортированному списку полисов.

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\"Интерактивный

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По умолчанию на дашборде открыта вкладка «Нужно продлить». В ней выводятся данные о полисах, которые вам предстоит продлить в текущем и следующем месяце. При необходимости вы можете посмотреть, какое количество полисов надо было продлить в два предыдущих месяца. Для этого нажмите на стрелку в правом верхнем углу и выберите в развернувшемся списке «Не продлены вовремя». 

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Количество полисов на информационной панели считается среди оплаченных вами полисов с датой окончания за указанный период. А размер заработка на продлении этих полисов высчитывается по сумме прошлогоднего комиссионного вознаграждения.

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Жмите по ссылке «Перейти к списку полисов», если вам нужны подробности о полисах к продлению (например, хотите найти контакты страхователей). Так попадете в раздел полисов, где уже отфильтрованы оплаченные полисы с датой окончания в указанный период. Со вкладки «Нужно продлить» откроется список оплаченных полисов с датой окончания в текущем и следующем месяцах, а со вкладки «Не продлены вовремя» — с датой окончания в два предыдущих месяца.

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Быстрая сортировка в разделе полисов

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В разделе «Полисы» добавлен специальный переключатель «Нужно продлить», который сортирует полисы по дате окончания в текущем и следующем месяцах.

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\"Быстрая

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Кликайте по переключателю «Нужно продлить» и смотрите, у кого из ваших клиентов скоро закончится страховка. Переключатель работает как со вкладкой «Оплаченные», так и со вкладками «Все» и «Черновики». Поэтому обязательно проверяйте, какие полисы пришло время продлить не только среди оплаченных, но и среди черновиков. Возможно, некоторым клиентам вы делали расчеты, но не оформили покупку на платформе. Свяжитесь в том числе и с ними, напомните о продлении. 

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Упрощенная пролонгация

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Если полис можно продлить без изменений, рекомендуем воспользоваться упрощенной пролонгацией. Такой способ доступен пока только для полисов СК Альфа, Ингосстрах, Ренессанс, Согласие. Чтобы воспользоваться им, создайте новый полис, но вместо заполнения перейдите во вкладку «Пролонгация». Выберите в ней одну из четырех страховых компаний. Введите серию и номер предыдущего полиса и оформляйте пролонгацию. Обратите внимание, что разные СК для подтверждения данных требуют дополнительно ввести либо VIN, либо ФИО и дату рождения страхователя.

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\"Упрощенная

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Письма с напоминанием о продлении полисов

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Каждую неделю по понедельникам мы рассылаем электронные письма-напоминания пользователям, у которых есть полисы с датой окончания в ближайшее время.

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К письму о пролонгации мы прикрепляем экселевскую табличку со списком клиентов, с которыми вам стоит связаться и договориться о продлении. Также в письме есть краткая памятка, как самостоятельно найти и продлить заканчивающиеся полисы.

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Обязательно проверьте свою почту. Возможно, письмо затерялось во входящих или хуже — попало в спам. Если вы не найдете такого письма в почте, но полисы к продлению у вас есть, — напишите в чат поддержки. Специалисты проверят вашу подписку на рассылки и помогут получить полезное письмо.

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С любовью к своему делу,
Команда Пампаду ?

\n', 'Как не забыть о продлении полисов ОСАГО', 'Рассказываем о новом функционале, который поможет вам продлевать полисы клиентов вовремя и зарабатывать больше. ', 'publish', 'closed', 'closed', '', 'kak-ne-zabyt-o-prodlenii-polisov-osago', '', '', '2021-11-03 11:38:26', '2021-11-03 11:38:26', '', 0, 'https://blg.pampadu.ru/?p=830', 0, 'post', '', 0), (831, 13, '2021-11-03 11:03:23', '2021-11-03 11:03:23', '', 'как не забыть о продлении полисов осаго', '', 'inherit', 'open', 'closed', '', '1030x498-2-2', '', '', '2021-11-03 11:03:23', '2021-11-03 11:03:23', '', 830, 'http://pamtest.ru/wp-content/uploads/2021/11/1030x498-2.jpg', 0, 'attachment', 'image/jpeg', 0), (838, 1, '2021-11-11 13:24:19', '2021-11-11 13:24:19', '', 'Новый проект (4) (2) (1)', '', 'inherit', 'open', 'closed', '', 'novyj-proekt-4-2-1', '', '', '2021-11-11 13:24:19', '2021-11-11 13:24:19', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/11/Novyj-proekt-4-2-1.png', 0, 'attachment', 'image/png', 0), (841, 1, '2021-11-12 11:31:01', '2021-11-12 11:31:01', '\n

В октябре и начале ноября произошло много интересного и важного для нашего с вами сотрудничества. Расскажем кратко обо всём: о новых правилах выплаты КВ, расширении тарифного коридора, удобном боте для отслеживания лимитов в Е-гаранте и многом другом.

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Технический сбои из-за атаки на сайт

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Несколько дней наблюдались технические проблемы в работе сервиса и периодически был недоступен сайт. Сейчас работа личного кабинета восстановлена и мы выяснили причину. Ей оказалась массированная атака на нас, которая перегружала сайт, делая его недоступным. Конкуренты или недоброжелатели пытались помешать нам развиваться и Вам зарабатывать с Пампаду. Это крайняя мера отчаявшихся людей, которые думают, что временные сложности остановят нас или тысячи агентов и партнеров, которые уже третий год работают с Пампаду. Мы предпримем меры, чтобы избежать повторения подобных ситуация. Приносим извинения за доставленные неудобства. Сейчас все работает в штатном режиме. Подробнее можете прочитать в нашем Telegram-канале или в любой социальной сети.

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Предупреждаем о рисках при внесении изменений в полис

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Страховые компании стали обращать внимание на полисы, в которые после покупки вносятся изменения, ухудшающие условия страхования. Делается это для того, чтобы обойти сегментацию, но это может привести к отказе страховой компании в выплате комиссии за такие полисы, соответственно мы не сможем выплатить агенту. Такие полисы сменят статус в личном кабинете на аннулированные. Не вносите изменения в полис, которые приводят к ухудшению условий, если не хотите рискнуть комиссией за него. Если изменения внести нужно, пусть клиент сам обращается в офис. Читать подробнее…

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\"This
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Центробанк планирует расширить тарифный коридор для ОСАГО

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Аккуратные водители заслуживают более выгодных условий, чем шумахеры. Для того, чтобы компании могли выбирать цену на страховку из более широкого диапазона, предполагается расширить его границы на 10% для легковых автомобилей и на 20% для грузовых и легковых, оформленных на юрлиц. Кроме того, будут пересмотрены коэффициенты по стажу и возрасту водителей. 

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Маркетплейсам запретят работать с физлицами

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Мы давно говорим о том, что для более выгодных условий сотрудничества лучше оформить самозанятость. А сейчас обсуждается законопроект, запрещающий он-лайн сервисам и агрегаторам работать с физическими лицами вообще. Останутся только самозанятые, ИП и ООО.

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Плюсы самозанятости в работе с нами:

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Чтобы оформить самозанятость, понадобится 11 минут. Чтобы получить ответы на вопросы по работе с самозанятыми, пишите в чат поддержки. Прочитать больше об обсуждаемом законопроекте, переходите по ссылке: Читать подробнее…

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Телеграм Бот для работы с Е-Гарант

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Как первым узнавать об обновлении лимитов или появлении нужной компании? Решить главную проблемы в работе с системой Е-Гарант – отсутствие лимитов – поможет Телеграм-бот Гарри. Подписавшись на обновления лимитов по всем страховым или по отдельным компаниям, можно заниматься другими делами. Когда лимиты появятся в количестве более 10 штук – бот напишет вам личное сообщение в Телеграме. Он простой, абсолютно бесплатный, информативный и ненавязчивый. Уведомления можно включить в нужный момент, а потом отключить за ненадобностью. Телеграм существует и в виде мобильного приложения, и в виде компьютерной версии, так что можно не бояться пропустить уведомления. Попробовать...

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Упрощение продления полисов

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Обновили раздел все полисы и главную страницу, где вы можете в один клик посмотреть полисы, которые уже нужно продлить. Просто включите в фильтре “Нужно продлить”. Так можно увидеть не только купленные полисы, но и черновики, которые в прошлом году не удалось продать. А на главной странице вам будет всегда напоминать сколько полисов к продлению в этом месяце и на какую сумму дохода. Не забывайте - продление это ваш легкий доход и база, которая будет кормить вас много лет. Читать подробнее…

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Улучшения о которых вы просили

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С любовью к своему делу,
Команда Пампаду ?

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\n', 'Дайджест новостей за октябрь 12.11.2021', 'В октябре и начале ноября произошло много интересного и важного для нашего с вами сотрудничества. Расскажем кратко обо всём.', 'publish', 'open', 'open', '', 'dajdzhest-novostej-za-oktyabr-12-11-2021', '', '', '2021-11-12 11:31:01', '2021-11-12 11:31:01', '', 0, 'https://blg.pampadu.ru/?p=841', 0, 'post', '', 0), (842, 13, '2021-11-12 09:34:53', '2021-11-12 09:34:53', '', 'fin', '', 'inherit', 'open', 'closed', '', 'fin', '', '', '2021-11-12 09:34:53', '2021-11-12 09:34:53', '', 841, 'http://pamtest.ru/wp-content/uploads/2021/11/fin.jpg', 0, 'attachment', 'image/jpeg', 0), (843, 13, '2021-11-12 09:45:04', '2021-11-12 09:45:04', '', '1030x498-1', '', 'inherit', 'open', 'closed', '', '1030x498-1-2', '', '', '2021-11-12 09:45:04', '2021-11-12 09:45:04', '', 841, 'http://pamtest.ru/wp-content/uploads/2021/11/1030x498-1.jpg', 0, 'attachment', 'image/jpeg', 0), (844, 13, '2021-11-12 09:47:31', '2021-11-12 09:47:31', '', '1080x607-8', '', 'inherit', 'open', 'closed', '', '1080x607-8', '', '', '2021-11-12 09:47:31', '2021-11-12 09:47:31', '', 841, 'http://pamtest.ru/wp-content/uploads/2021/11/1080x607-8.jpg', 0, 'attachment', 'image/jpeg', 0), (845, 13, '2021-11-12 09:48:49', '2021-11-12 09:48:49', '', 'forbs', '', 'inherit', 'open', 'closed', '', 'forbs-2', '', '', '2021-11-12 09:48:49', '2021-11-12 09:48:49', '', 841, 'http://pamtest.ru/wp-content/uploads/2021/11/forbs.jpg', 0, 'attachment', 'image/jpeg', 0), (846, 13, '2021-11-12 09:52:03', '2021-11-12 09:52:03', '', 'image1-1', '', 'inherit', 'open', 'closed', '', 'image1-1', '', '', '2021-11-12 09:52:03', '2021-11-12 09:52:03', '', 841, 'http://pamtest.ru/wp-content/uploads/2021/11/image1-1.png', 0, 'attachment', 'image/png', 0), (847, 13, '2021-11-12 09:55:41', '2021-11-12 09:55:41', '', '1030x498-2-1', '', 'inherit', 'open', 'closed', '', '1030x498-2-1', '', '', '2021-11-12 09:55:41', '2021-11-12 09:55:41', '', 841, 'http://pamtest.ru/wp-content/uploads/2021/11/1030x498-2-1.jpg', 0, 'attachment', 'image/jpeg', 0), (849, 13, '2021-11-12 09:59:27', '2021-11-12 09:59:27', '', 'Новости Пампаду 12.11.2021', '', 'inherit', 'open', 'closed', '', 'mail', '', '', '2021-11-12 09:59:27', '2021-11-12 09:59:27', '', 841, 'http://pamtest.ru/wp-content/uploads/2021/11/Mail.jpg', 0, 'attachment', 'image/jpeg', 0), (859, 13, '2021-11-12 10:17:30', '2021-11-12 10:17:30', '', '1030x498-2-2', '', 'inherit', 'open', 'closed', '', '1030x498-2-2-2', '', '', '2021-11-12 10:17:30', '2021-11-12 10:17:30', '', 841, 'http://pamtest.ru/wp-content/uploads/2021/11/1030x498-2-2.jpg', 0, 'attachment', 'image/jpeg', 0), (860, 13, '2021-11-12 10:17:55', '2021-11-12 10:17:55', '', 'image1-1-1', '', 'inherit', 'open', 'closed', '', 'image1-1-1', '', '', '2021-11-12 10:17:55', '2021-11-12 10:17:55', '', 841, 'http://pamtest.ru/wp-content/uploads/2021/11/image1-1-1.png', 0, 'attachment', 'image/png', 0), (861, 13, '2021-11-12 10:19:16', '2021-11-12 10:19:16', '', 'forbs-1', '', 'inherit', 'open', 'closed', '', 'forbs-1', '', '', '2021-11-12 10:19:16', '2021-11-12 10:19:16', '', 841, 'http://pamtest.ru/wp-content/uploads/2021/11/forbs-1.jpg', 0, 'attachment', 'image/jpeg', 0), (862, 13, '2021-11-12 10:19:41', '2021-11-12 10:19:41', '', '1030x498-1-1', '', 'inherit', 'open', 'closed', '', '1030x498-1-1', '', '', '2021-11-12 10:19:41', '2021-11-12 10:19:41', '', 841, 'http://pamtest.ru/wp-content/uploads/2021/11/1030x498-1-1.jpg', 0, 'attachment', 'image/jpeg', 0), (863, 13, '2021-11-12 10:19:52', '2021-11-12 10:19:52', '', 'e710f151bb553b69', '', 'inherit', 'open', 'closed', '', 'e710f151bb553b69', '', '', '2021-11-12 10:19:52', '2021-11-12 10:19:52', '', 841, 'http://pamtest.ru/wp-content/uploads/2021/11/e710f151bb553b69.jpg', 0, 'attachment', 'image/jpeg', 0), (865, 13, '2021-11-12 10:20:18', '2021-11-12 10:20:18', '', 'e710f151bb553b69-1', '', 'inherit', 'open', 'closed', '', 'e710f151bb553b69-1', '', '', '2021-11-12 10:20:18', '2021-11-12 10:20:18', '', 841, 'http://pamtest.ru/wp-content/uploads/2021/11/e710f151bb553b69-1.jpg', 0, 'attachment', 'image/jpeg', 0), (876, 1, '2021-11-15 13:57:19', '2021-11-15 13:57:19', '\n

Это важно, дочитайте до конца!

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За последние недели мы заметили появление сразу нескольких групп мошенников, которые активизировались на рынке страхования и агрегаторов. Их цель различными способами вам что-то продать или пригласить к работе на \"очень выгодных\" условиях. Напоминаем, что все ниже описанные действия - уголовно наказуемые преступления. Вот основные способы которыми работают мошенники.

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1. Предлагают купить базу клиентов или агентов.
Анонимные предложения купить базу клиентов с датами окончания полисов той или иной страховой компании. Мошенники рассказывают, что якобы базы украдены разными сотрудниками, поэтому оплата только крипотовалютой, никаких встреч, звонков или любых доказательств, гарантий. В подтверждение могут скинуть выборочный кусок, чтобы втереться в доверие. На уточнения и вопросы отвечают неохотно, а чем больше вопросов задаете, тем агрессивнее становятся.

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К нам уже обратилось несколько партнеров, которые были обмануты по такой схеме. После оплаты вас блокируют и больше не выходят на связь. Не совершайте никаких платежей в криптовалюте, если не хотите быть обманутыми и не скачивайте предлагаемые файлы.

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2. Предлагать работу через сервисы однодневки на \"выгодных\" условиях.
Вам могут приходить сообщения, рассылки смс или звонки, в которых предлагают попробовать работу нового сервиса для агентов. Название будет очень знакомое, а предлагающие будут расписывать все свои преимущества и регалии. Где же тут обман? Из тех случаем что мы уже встретили:

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a. Вы будете оформлять полисы, но получите поддельные документы. Возможно не сразу, но в какой-то момент платежная ссылка изменится и деньги уйдут не в страховую компанию а создателям площадки мошенников.

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b. Вы будете оформлять полисы, но комиссию вам не выплатят. Опять же не с первого раза, а когда накопится сумма вознаграждения побольше. Обычно такие сервисы живут 2-12 месяцев, после чего меняют название, адрес сайта и открываются по новой.

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Будьте внимательны ко всем рассылкам и предложениям и не дайте себя обмануть! Мы вместе с другими коллегами из страхового рынка уже подаем заявления в прокуратуру и ЦБ по всем описанным случаям, которые нам встретились.

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С заботой о вас,
Команда Пампаду ?

\n', 'Осторожно! Мошенники в страховании!', 'Остерегаем от популярных методах мошенничества на рынке страхования', 'publish', 'open', 'open', '', 'ostorozhno-moshenniki-v-strahovanii', '', '', '2021-11-15 13:57:19', '2021-11-15 13:57:19', '', 0, 'https://blg.pampadu.ru/?p=876', 0, 'post', '', 0), (877, 13, '2021-11-15 13:52:08', '2021-11-15 13:52:08', 'Осторожно! Мошенники', 'Mail_Мошенники', '', 'inherit', 'open', 'closed', '', 'mail_moshenniki', '', '', '2021-11-15 13:52:08', '2021-11-15 13:52:08', '', 876, 'http://pamtest.ru/wp-content/uploads/2021/11/Mail_Moshenniki.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (888, 12, '2021-11-17 12:06:02', '2021-11-17 12:06:02', '\n

Мы нашли отличное решение основной проблемы в работе с Е-Гарант — отсутствия доступных лимитов. Это телеграм-бот, который по команде следит за лимитами и сообщает про обновление и появление лимитов у конкретных страховых. Уже опробовали бота сами, оценили и хотим рассказать о нем вам.

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Мы много общались с агентами по Е-Гаранту. И с теми, кто успешно оформляет большое количество несегментных полисов, и с теми, у кого не получается. Было ясно, что повлиять на исправление основной проблемы — отсутствия лимитов — мы не в силах. Поэтому активно искали решения на стороне. Опробовали несколько разных вариантов и советуем лучший — простой, удобный и доступный всем и всегда телеграм-бот Гарри. 

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Почему телеграм-бот

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Во-первых, у Телеграм есть как мобильная, так и версия для компьютеров. Можно установить приложение сразу на оба устройства, и бот всегда будет у вас под рукой.

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Во-вторых, подключение и использование бота абсолютно бесплатно для всех без ограничений.

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В-третьих, бот выполняет только ваши команды и пишет только о важном для вас. Не спамит сообщениями ежеминутно про текущие лимиты, как это делают ранее созданные Телеграм-каналы. 

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И самое главное — можно включить подписку в нужный вам момент и отключить в любое время. Умный бот, получив команду, будет сигналить о появлении лимитов, а после отключения подписки умолкнет до следующего поручения. 

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Что делает бот Гарри

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При подключении бот приветствует вас рассказом о себе и предлагает начать диалог. Кликайте «Старт».

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Тут же бот заявляет о готовности приняться за работу и подсказывает, какие команды он умеет выполнять. Рекомендуем поочередно прокликать все, чтобы сразу разобраться в функционале бота.

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Список команд бота также доступен в меню. В мобильной версии Телеграм оно расположено слева от строки ввода, а в десктопной — справа. А еще, если вставить в строку ввода / (слеш), можно выбрать нужную команду во всплывающем окне.

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Рассмотрим подробнее каждую из них.

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Как его найти

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Чтобы подключить телеграм-бота Гарри, перейдите по ссылке: https://t.me/e_garant_super_robot

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Для вашего удобства мы добавили ссылку на бота в личный кабинет. Вы найдете ее на 2 этапе оформления полиса, в блоке подробностей условий Е-Гаранта.

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Подключайтесь и отлавливайте лимиты вместе с умным ботом Гарри. Успехов вам в оформлении несегмента!

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С любовью к своему делу,
Команда blg.pampadu.ru ?

\n', 'Ваш бесплатный помощник в работе с Е-Гарант', 'Нашли отличное решение основной проблемы в работе с Е-Гарант — отсутствия доступных лимитов. Рассказываем подробно.', 'publish', 'open', 'open', '', 'vash-besplatnyj-pomoshhnik-v-rabote-s-e-garant', '', '', '2021-11-17 12:06:02', '2021-11-17 12:06:02', '', 0, 'https://blg.pampadu.ru/?p=888', 0, 'post', '', 0), (891, 13, '2021-11-17 12:03:39', '2021-11-17 12:03:39', '', 'помощник в работе с е-гарант', '', 'inherit', 'open', 'closed', '', 'mail-2', '', '', '2021-11-17 12:03:39', '2021-11-17 12:03:39', '', 888, 'http://pamtest.ru/wp-content/uploads/2021/11/Mail-1.jpg', 0, 'attachment', 'image/jpeg', 0), (894, 1, '2021-11-18 12:24:52', '2021-11-18 12:24:52', '', 'image', '', 'inherit', 'open', 'closed', '', 'image-4', '', '', '2021-11-18 12:24:52', '2021-11-18 12:24:52', '', 0, 'http://pamtest.ru/wp-content/uploads/2021/11/image.png', 0, 'attachment', 'image/png', 0), (898, 1, '2021-11-21 10:33:37', '2021-11-21 10:33:37', '\n

Вам приходят письма и звонки на которые вы не давали согласия? Расскажем что нужно сделать, прямо сейчас, чтобы обезопасить себя и помочь другим.

Недавно мы написали для вас подробный пост о мошенничестве в страховании, Там мы рассказали о том, что вам могут приходить сообщения, рассылки смс или звонки, в которых предлагают якобы попробовать работу “нового сервиса для агентов”. Название будет очень знакомое, а предлагающие будут расписывать все свои преимущества и регалии.

На этой неделе такие случаи участились. Огромное кол-во агентов стало писать нам о подозрительных сообщениях на email почту, автозвонках и рассылках в мессенджеры от якобы “сервиса наших коллег”, в котором они даже не зарегистрированы, а главное НИКОГДА не давали согласие на рассылки, что уже является нарушением закона. Все указывает на то, что это те случаи мошенничества, о которых мы предупреждали.

Вот что нужно сделать прямо сейчас, чтобы защитить себя и предостеречь других. Это займет 1 минуту:

1. Найдите такое письмо и пожалуйтесь на спам.

Заходим внутрь письма и нажимаем кнопку “Спам”.

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Вам перестанут приходить такие письма. Если будет много жалоб, то почтовый сервис заблокирует отправителя и ваши деньги, а также деньги ваших коллег останутся в целости и сохранности.

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2. Прокрутите вниз такого письма и нажмите на “Отписаться от рассылки”.

Далее жмем “Это спам” и пишем “Это спам, я не давал согласие на рассылку в мой адрес.”

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3. Оставьте жалобу в почтовом сервисе

Для Google почты:
1) Открываете такое письмо
2) Кликайте на три точки в правом верхнем углу над открытым письмом
3) Нажимаете сообщить о фишинге

Для Mail.ru почты:
1) Перейдите по ссылке: https://help.mail.ru/mail/security/spam/trouble/spam
2) Заполняем и отправляем форму жалобы.

Для Yandex.ru
1) Откройте нужное письмо.
2) Нажмите на три точки в правой части экрана.
3) Нажмите Это спам!
Помните, никто не имеет права делать вам рассылки БЕЗ вашего согласия. Не оставайтесь равнодушными, жалуйтесь. Сделав эти простые действия вы поможете себе и свои коллегам.

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И главное и самое важное правило - доверяйте только официальным источникам. Никогда не переходите на подозрительные ссылки с рассылок от сервисов в котором вы не зарегистрированы или которые подходят по критериям, описанные выше.

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С заботой о вас,
Команда Пампаду ?

\n', 'Как обезопасить себя и других от мошенников?', 'Вам приходят письма и звонки на которые вы не давали согласия? Расскажем что нужно сделать, прямо сейчас, чтобы обезопасить себя и помочь другим.', 'publish', 'open', 'open', '', 'kak-obezopasit-sebya-i-drugih-ot-moshennikov', '', '', '2021-11-21 10:33:37', '2021-11-21 10:33:37', '', 0, 'https://blg.pampadu.ru/?p=898', 0, 'post', '', 0), (899, 13, '2021-11-21 10:18:08', '2021-11-21 10:18:08', '', 'spam', '', 'inherit', 'open', 'closed', '', 'spam', '', '', '2021-11-21 10:18:08', '2021-11-21 10:18:08', '', 898, 'http://pamtest.ru/wp-content/uploads/2021/11/spam.mp4', 0, 'attachment', 'video/mp4', 0), (900, 13, '2021-11-21 10:19:55', '2021-11-21 10:19:55', '', 'Sendpulse', '', 'inherit', 'open', 'closed', '', 'sendpulse', '', '', '2021-11-21 10:19:55', '2021-11-21 10:19:55', '', 898, 'http://pamtest.ru/wp-content/uploads/2021/11/Sendpulse.mp4', 0, 'attachment', 'video/mp4', 0), (901, 13, '2021-11-21 10:22:30', '2021-11-21 10:22:30', '', 'мошенничество в страховании', '', 'inherit', 'open', 'closed', '', 'f1030x498', '', '', '2021-11-21 10:22:30', '2021-11-21 10:22:30', '', 898, 'http://pamtest.ru/wp-content/uploads/2021/11/f1030x498.jpg', 0, 'attachment', 'image/jpeg', 0), (913, 1, '2021-11-23 14:08:52', '2021-11-23 14:08:52', '\n

Здравствуйте, коллеги! Мы хотим быть ближе к своим агентам

Поэтому мы возродили наш Instagram-аккаунт, где собираемся публиковать уникальные свежие материалы: ответы на вопросы, online-трансляции, сторис с рабочим процессом. 

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В нашем Instagram вы увидите:  новости о новых продуктах, планы компании на будущее, чем мы сейчас занимаемся и над чем работаем. 

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Вас ждут:
-последние новости из мира страхования
-рабочие инструменты для заработка, а также многое другое по ссылке или по QR-коду ниже. (Наведите камеру телефона на QR-код и пройдите по ссылке, которая вам откроется. Не забудьте подписаться!)

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\"\"/
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P.S. Мы подготовили специальный подарок для всех наших подписчиков! Переходите и подписывайтесь на Instagram, пишите в директ ключевое слово “клиенты” и получите мануал «ТОП-6 СПОСОБОВ ЗАРАБОТКА ДЛЯ СТРАХОВЫХ АГЕНТОВ 2021»

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С любовью к своему делу,
команда Пампаду! ?

\n', 'Следите за работой сервиса pampadu.ru в режиме Live', 'Мы возродили наш Instagram-аккаунт, где собираемся публиковать уникальные свежие материалы. Подпишитесь!', 'publish', 'open', 'open', '', 'sledite-za-rabotoj-servisa-pampadu-ru-v-rezhime-live', '', '', '2021-11-23 14:08:52', '2021-11-23 14:08:52', '', 0, 'https://blg.pampadu.ru/?p=913', 0, 'post', '', 0), (915, 13, '2021-11-23 13:57:52', '2021-11-23 13:57:52', '', 'пампаду инстаграм', '', 'inherit', 'open', 'closed', '', 'email4', '', '', '2021-11-23 13:57:52', '2021-11-23 13:57:52', '', 913, 'http://pamtest.ru/wp-content/uploads/2021/11/Email4.png', 0, 'attachment', 'image/png', 0), (927, 1, '2021-12-07 07:46:55', '2021-12-07 07:46:55', '\n

Уважаемые Агенты! Стартует предновогодняя акция от Пампаду с Призовым фондом - 300.000 руб. Победить может каждый и несколько раз - будет 140 призовых места! Правила очень просты, а главное позволяют каждому забрать бонус.

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  1. Оформляйте в декабре полисы Альфа-Страхование
  2. За каждые три продажи полисов Альфа-Страхования вы получаете виртуальный билет на участие в розыгрыше.
  3. Чем больше полисов продано, тем больше билетов, а значит и больше шансов на победу!
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Призовые места для агентов:?

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Розыгрыш 1: 5 призовых мест по 10.000 руб.

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Розыгрыш 2: 15 призовых мест по 5.000 руб.

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Розыгрыш 3: 25 призовых мест по 2.500 руб.

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Розыгрыш 4: 30 призовых мест по 1.000 руб.

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Розыгрыш 5: 65 призовых мест по 500 руб.

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11.01.2022 мы случайным образом выберем из списка тех, кто получит приятный бонус к вознаграждению. Чем больше у вас билетов = три проданных полисов Альфа-Страхования, тем чаще вы будете указаны в списке, из которого будем выбирать победителей. Можно выиграть несколько раз!

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? Срок проведения акции с 01.12.2021 по 31.12.2021 года. Итоги будут подведены 11.01.22. Деньги поступят на счет в личном кабинете, где вы их сможете вывести в стандартном режиме.

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Зарегистрироваться
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Желаем вам хороших продаж

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С любовью, команда Пампаду! ?

\n', 'Участвуй в новогоднем розыгрыше от Пампаду!', 'Уважаемые Агенты! Стартует предновогодняя акция от Пампаду с Призовым фондом - 300.000 руб.\n', 'publish', 'open', 'open', '', 'uchastvuj-v-novogodnem-rozygryshe-ot-pampadu', '', '', '2021-12-07 07:46:55', '2021-12-07 07:46:55', '', 0, 'https://pampadu.ru/blog/?p=927', 0, 'post', '', 0), (928, 13, '2021-12-07 07:45:51', '2021-12-07 07:45:51', '', 'новогодний розыгрыш пампаду', '', 'inherit', 'open', 'closed', '', '1030x498-3', '', '', '2021-12-07 07:45:51', '2021-12-07 07:45:51', '', 927, 'http://pamtest.ru/wp-content/uploads/2021/12/1030x498.jpg', 0, 'attachment', 'image/jpeg', 0), (935, 1, '2021-12-09 14:33:26', '2021-12-09 14:33:26', '\n

В Госдуму внесён законопроект об отмене обязательного техосмотра личного автотранспорта. По подсчётам инициаторов законопроекта, изменения значительно облегчат жизнь 50 млн автовладельцев нашей страны.

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Что изменится?

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Для владельцев мотоциклов и автомобилей старше 4 лет техосмотр будет обязателен только при продаже, внесении изменений в конструкцию и замены основных узлов. На данный момент действует закон, обязывающий их проходить регулярной техосмотр ежегодно. При этом для автобусов, грузового транспорта, такси и других коммерческих видов транспорта, от которых зависит безопасность пассажиров и других участников движения, ситуация не изменится – техосмотр для них останется обязательным.

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Процедура техосмотра останется прежней, а штрафы вырастут

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Как и раньше, пройти техосмотр при внесении изменений, не предусмотренных производителем, не получится. С нештатной оптикой, тюнингом и обвесом могут потребовать свидетельство сертификации из ГИБДД. С текущей тормозной жидкостью или неисправным стояночным тормозом, а также некоторыми другими неисправностями техосмотр тоже не пройти. Штраф за езду без диагностической карты с 1 марта 2022 года составит 2000 рублей, но штрафовать смогут только те ТС, которым требуется обязательный регулярный техосмотр.

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Когда примут закон об отмене обязательного техосмотра для физлиц?

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В пользу отмены обязательного техосмотра в первом чтении проголосовали 403 из 450 депутатов.

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Первое чтение законопроект уже прошёл, и пока планируется, что его принятие состоится 8 декабря 2021 года. За это время в него будут внесены доработки, чтобы в итоговом варианте он имел вид, соответствующий международному законодательству.

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Предлагаемые изменения не новы для Европы. Напомним, что Венская конвенция о дорожном движении, к которой принадлежит и Россия, обязывает проводить только техосмотр автобусов и грузовиков массой более 3,5 тонн, а также их прицепов.

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Как это повлияет на страховщиков?

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Для подачи заявки на ОСАГО на легковые автомобили теперь не нужно будет прикреплять данные диагностической карты. Это упрощает задачу и сокращает время на оформление полиса.

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Есть мнение, что в далёкой перспективе отмена техосмотра негативно скажется на деятельности страховых компаний, однако эта перспектива не имеет убедительного подтверждения.

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Предложенные изменения в законодательстве аргументируют тем, что эксплуатация технически неисправных ТС запрещена законом, вне зависимости от того, проходит автомобиль техосмотр или нет. А главное – подавляющее большинство водителей следит за состоянием своего транспорта и без контроля со стороны надзорных органов, так как от этого зависит в первую очередь их безопасность.

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Техосмотр остаётся личной инициативой владельца авто, то есть, теоретически, он может проводиться, но закон к тому обязывать не будет. В случае отсутствия техосмотра у транспортного средства, которое не обязано проходить эту процедуру регулярно, стоимость полиса ОСАГО для него не увеличится.

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Желаем вам хороших продаж

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С любовью, команда Пампаду! ?

\n', 'В Госдуме рассматривается законопроект об отмене обязательного техосмотра для личных авто', 'В Госдуму внесён законопроект об отмене обязательного техосмотра личного автотранспорта.', 'publish', 'open', 'open', '', 'v-gosdume-rassmatrivaetsya-zakonoproekt-ob-otmene-obyazatelnogo-tehosmotra-dlya-lichnyh-avto', '', '', '2021-12-09 14:33:26', '2021-12-09 14:33:26', '', 0, 'https://pampadu.ru/blog/?p=935', 0, 'post', '', 0), (936, 13, '2021-12-09 14:32:29', '2021-12-09 14:32:29', '', 'отмена обязательного техосмотра', '', 'inherit', 'open', 'closed', '', 'd6440f15e9882a13', '', '', '2021-12-09 14:32:29', '2021-12-09 14:32:29', '', 935, 'http://pamtest.ru/wp-content/uploads/2021/12/d6440f15e9882a13.jpg', 0, 'attachment', 'image/jpeg', 0), (943, 12, '2021-12-15 10:27:40', '2021-12-15 10:27:40', '\n

Уважаемые агенты, у нас отличная новость! Значительно повысилась комиссия СК Ренессанс по пролонгации полисов ОСАГО в следующих регионах:

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Оформить пролонгацию на нашей площадке можно для физлиц с легковыми авто. Пролонгация будет одобрена, если:

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— страхователь не принес убытков компании за прошлый год,

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— оформление производится не раньше 60 дней до и не позднее 30 дней после окончания сроков действия предыдущего полиса.

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Ознакомится с размером комиссионного вознаграждения вы можете в разделе «Моя комиссия» личного кабинета. Спешите оформить пролонгацию на нашей платформе и получить повышенное комиссионное вознаграждение! 

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Перейти в личный кабинет
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\n', 'Повышено комиссионное вознаграждение СК Ренессанс 15.12.2021', 'Значительно повысилась комиссия СК Ренессанс по пролонгации полисов ОСАГО в некоторых регионах', 'publish', 'open', 'open', '', 'povysheno-komissionnoe-voznagrazhdenie-sk-renessans-15-12-2021', '', '', '2021-12-15 10:27:40', '2021-12-15 10:27:40', '', 0, 'https://pampadu.ru/blog/?p=943', 0, 'post', '', 0), (944, 13, '2021-12-15 10:16:04', '2021-12-15 10:16:04', '', 'повышение кв ренессанс', '', 'inherit', 'open', 'closed', '', 'photo_2021-03-02_18-13-49', '', '', '2021-12-15 10:16:04', '2021-12-15 10:16:04', '', 943, 'http://pamtest.ru/wp-content/uploads/2021/12/photo_2021-03-02_18-13-49.jpg', 0, 'attachment', 'image/jpeg', 0), (950, 1, '2021-12-21 10:01:29', '2021-12-21 10:01:29', '\n

? Всем привет. У нас хорошие новости!

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⚠️ СК Макс открыла два региона: Московскую область
и Тольятти. А также они убрали ограничение мощности по ВСЕМ регионам!

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✨ Это означает, что полисы от СК Макс будут проходить сегментацию намного чаще.

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Оформляйте на Пампаду!

\n', 'СК Макс открыла два региона и убрала ограничение мощности по ВСЕМ регионам', 'Хорошие новости про изменение сегментации в СК МАКС', 'publish', 'open', 'open', '', 'sk-maks-otkryla-dva-regiona-i-ubrala-ogranichenie-moshhnosti-po-vsem-regionam', '', '', '2021-12-21 10:01:29', '2021-12-21 10:01:29', '', 0, 'https://pampadu.ru/blog/?p=950', 0, 'post', '', 0), (951, 13, '2021-12-21 09:55:49', '2021-12-21 09:55:49', '', 'ск макс', '', 'inherit', 'open', 'closed', '', '1030x498-3-2', '', '', '2021-12-21 09:55:49', '2021-12-21 09:55:49', '', 950, 'http://pamtest.ru/wp-content/uploads/2021/12/1030x498-3.jpg', 0, 'attachment', 'image/jpeg', 0), (953, 12, '2021-12-24 15:16:00', '2021-12-24 15:16:00', '\n

Продолжаем серию статей о Е-Гаранте и в этот раз поделимся лайфхаками по работе с системой, о которых нам рассказали опытные страховые агенты.

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Как обойти ошибку в дате выдачи ПТС 

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Одна из самых массовых проблем, с которой сталкиваются агенты при переходе в Е-Гарант, —  дата выдачи ПТС при проверке данных о транспортном средстве распознается как неверная и подсвечивается красным восклицательным знаком. Система настойчиво требует корректировки.

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\"Ошибка

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Так как же выкручиваются из этой ситуации опытные страховые агенты. Кто-то добавляет пробел перед или после серии ПТС, и, что удивительно, это работает! Возможное объяснение тому — в базе ГИБДД данные серии и номера ПТС внесены с лишними пробелами.

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Также бывают случаи, когда агенты закрывают глаза на предупреждение и нажимают «Далее», и система пропускает их к следующему шагу. 

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Более упорные агенты, столкнувшись с такой проблемой, пробуют оформить заново у другой страховой компании. Например, у одного из наших агентов такая ошибка возникала при поочередном выборе СК Ингосстрах, Согаз, ВСК и Ренессанс. А на пятой попытке, выбрав Зетту, ему удалось оформить полис без каких-либо препятствий.

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Обновление ссылки в течение суток

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Не все знают и не все используют наш функционал обновления ссылки. Но опытные агенты активно используют его, ведь из-за нестабильности сайта РСА и постоянных технических ошибок в системе не всегда получается оформить полис с первого раза.

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А еще обновление ссылки агенты используют, когда стерегут появление лимитов в Е-Гаранте. В удобное им время они заводят полис в нашем личном кабинете и получают ссылку на Е-Гарант. Однако переходят не сразу, а только тогда, когда получают сигнал про обновление лимитов. В этот момент они просто обновляют ссылку и без задержек переходят в систему, так успевают словить нужную им компанию.

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Получив нашу ссылку на переход в Е-Гарант, можно обновлять ее в течение суток и совершать сколько угодно попыток оформления полиса в системе. При этом помните, что ссылка действует в течение часа, обновление доступно по истечении этого часа. И что не менее важно: имейте в виду ограничение по дате оформления полиса. Если сегодня вечером сформируете ссылку с ближайшей возможной датой +3 дня, то завтра утром обновление ссылки не случится. Ставьте датой начала действия полиса минимум +4 дня, тогда обновление ссылки сработает и на следующий день. Например, чтобы утром или днем 26 декабря успешно обновить ссылку и перейти в Е-Гарант, при заполнении данных полиса вечером 25 декабря укажите датой начала 30 декабря.

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\"Обновление

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Проверка и ловля лимитов

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Чем больше доступных лимитов в системе Е-Гарант, тем больше шансов выбрать нужную страховую компанию и успешно оформить полис. Знающие это агенты постоянно следят за наличием и обновлением лимитов. И даже не делают попыток перехода, когда в системе представлены лимиты единичных компаний.

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Поэтому мы добавили функционал проверки лимитов в личный кабинет. Кнопку проверки лимитов вы найдете на этапе скоринга в блоке подробностей Е-Гаранта, а также на 3 этапе оплаты. Обращайте внимание на наличие лимитов у рекомендованных нами страховых компаний.

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Если же у кого-то нет возможности постоянно открывать личный кабинет, можно использовать телеграм-бота Гарри — лучшее решение, что есть сейчас по ловле лимитов Е-Гаранта. Почему лучшее? Бот не спамит ежесекундно про текущие лимиты, как это реализовано во многих телеграм-каналах. Он по заданию сообщает про наличие, обновление или появление лимитов у выбранных вами страховых.

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Правильный выбор страховых

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Те, кто набил руку на оформлении полисов через Е-гарант, уже знают, какие страховые стоит выбирать, а с какими лучше не связываться. Поэтому успешных оформлений у них гораздо больше, чем у других. Но есть те, кто пользуется Е-Гарантом от случая к случаю и не знает про все эти тонкости системы. Им мы рекомендуем в первую очередь выбирать такие страховые компании, как Альфа, Ингосстрах и Согаз. 

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Подготовка и договоренности с клиентом

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Опытные агенты всегда предупреждают клиента, что полис могут оформить в течение 1-2 дней. Готовят заранее и сохраняют на своих компьютерах сканы всех документов. Или фото хорошего качества (на белом фоне и без бликов фотовспышки). 

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Также при оформлении полисов они используют контакты страхователей, не подменяют на постоянно используемые свои. Это позволяет пройти фильтры, настроенные некоторыми страховыми компаниями на отсев мошенников. Но для этого обязательно предупреждают клиентов, что потребуется быть на связи в нужный момент. Чтобы переслать пароль на вход в личный кабинет страхователя в Е-гаранте, а также оплатить полис. Ведь ссылка на оплату, сгенеренная через Е-Гарант, живет всего 15 минут.

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Почему важна оплата с карты страхователя? Были прецеденты, когда полисы, оформленные через Е-Гарант, страховая компания в массовом порядке аннулировала. Причиной было лишь то, что оплата производилась с карт физических лиц, ФИО которых не соответствовало ФИО страхователей.

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Используйте все вышеперечисленные лайфхаки в работе с Е-гарант, и ваши шансы успешного оформления полиса возрастут в разы!

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С заботой о вас,
Команда Пампаду ?

\n\n\n\n

\n', 'Фишки успешных агентов по работе с Е-Гарант', 'Продолжаем серию статей о Е-Гаранте и сегодня поделимся лайфхаками по работе с системой, о которых нам рассказали опытные страховые агенты.', 'publish', 'open', 'open', '', 'fishki-uspeshnyh-agentov-po-rabote-s-e-garant', '', '', '2021-12-24 15:16:00', '2021-12-24 15:16:00', '', 0, 'https://pampadu.ru/blog/?p=953', 0, 'post', '', 0), (954, 13, '2021-12-24 14:53:58', '2021-12-24 14:53:58', '', 'как оформить е-гарант', '', 'inherit', 'open', 'closed', '', '5be08efb5c70d577', '', '', '2021-12-24 14:53:58', '2021-12-24 14:53:58', '', 953, 'http://pamtest.ru/wp-content/uploads/2021/12/5be08efb5c70d577.jpg', 0, 'attachment', 'image/jpeg', 0), (962, 1, '2021-12-28 10:42:59', '2021-12-28 10:42:59', '\n

Уважаемые агенты, важная информация про выплаты и тех. поддержку!

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Во время новогодних праздников для физ.лиц выплаты совершаться не будут! Все выплаты, которые вы закажите 28 декабря будут выплачиваться после 10 января по регламенту ожидания выплаты (от 1 до 15 дней).
Для агентов в статусе самозанятого ничего не изменится.

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Также изменится график работы тех. поддержки:

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31.12.2021 с 08:00 до 17:00
02.01.2022 с 09:00 до 15:00
03.01.2022, 04.01.2022,05.01.2022, 06.01.2022 с 10:00 до 17:00
08.01.2022 с 09:00 до 17:00
09.01.2022 с 09:00 до 15:00

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01.01.2022 и 07.01.2022 поддержка работать не будет.

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Планируйте свою работу заранее и не забывайте отдыхать.
Счастливого нового года!)

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С заботой о вас,
Команда Пампаду ?

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\n', 'График работы тех. поддержки и график выплат в выходные дни!', 'Уважаемые агенты, важная информация про выплаты и тех. поддержку!', 'publish', 'open', 'closed', '', 'grafik-raboty-teh-podderzhki-i-grafik-vyplat-v-vyhodnye-dni', '', '', '2021-12-28 10:42:59', '2021-12-28 10:42:59', '', 0, 'https://pampadu.ru/blog/?p=962', 0, 'post', '', 0), (963, 13, '2021-12-28 10:39:42', '2021-12-28 10:39:42', '', 'пампаду график', '', 'inherit', 'open', 'closed', '', 'blog-1', '', '', '2021-12-28 10:39:42', '2021-12-28 10:39:42', '', 962, 'http://pamtest.ru/wp-content/uploads/2021/12/Blog-1.jpg', 0, 'attachment', 'image/jpeg', 0), (966, 1, '2022-01-12 11:41:02', '2022-01-12 11:41:02', '\n

Банк России расширил границы тарифного коридора по ОСАГО. Для легковых автомобилей физических лиц диапазон расширения базовых ставок как вниз, так и вверх составит 10%
(Согласно Указанию ЦБ РФ №6007-У от 28.12.21, которое утверждает новые тарифы ОСАГО).

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При этом для общественного транспорта диапазон расширения составит 4,9%, а для других категорий транспортных средств, в частности такси, — 30%.

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Коэффициент ограничения (КО) водителей увеличится с 1,94 до 2,32 для расширенной страховки без ограничения (мультидрайв)

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Пересмотрены КВС, КБМ в сторону увеличения для малоопытных и аварийных, проведена дополнительная калибровка территориальных коэффициентов КТ.

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Все изменения вступили в силу с 09.01.22 за исключением положений о КБМ, которые начнут действовать с 01.04.22 в рамках ежегодного пересмотра.

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Как отмечается на официальном сайте регулятора, расширение границ тарифного коридора по ОСАГО позволит страховым компаниям ещё больше снижать тариф хорошим водителям и увеличивать стоимость страховки для автомобилистов с повышенным уровнем рисков.

\n', 'С 9 января 2022 года – новые тарифы по ОСАГО', 'Банк России расширил границы тарифного коридора по ОСАГО. Для легковых автомобилей физических лиц диапазон расширения базовых ставок как вниз, так и вверх составит 10%', 'publish', 'open', 'open', '', 's-9-yanvarya-2022-goda-novye-tarify-po-osago', '', '', '2022-01-12 11:41:02', '2022-01-12 11:41:02', '', 0, 'https://pampadu.ru/blog/?p=966', 0, 'post', '', 0), (968, 1, '2022-01-10 12:25:30', '2022-01-10 12:25:30', '', '1', '', 'inherit', 'open', 'closed', '', '1-2', '', '', '2022-01-10 12:25:30', '2022-01-10 12:25:30', '', 0, 'http://pamtest.ru/wp-content/uploads/2022/01/1.png', 0, 'attachment', 'image/png', 0), (969, 13, '2022-01-10 12:26:44', '2022-01-10 12:26:44', '', 'новые тарифы по осаго', '', 'inherit', 'open', 'closed', '', 'blog-1-2', '', '', '2022-01-10 12:26:44', '2022-01-10 12:26:44', '', 966, 'http://pamtest.ru/wp-content/uploads/2022/01/Blog-1.png', 0, 'attachment', 'image/png', 0), (972, 1, '2022-01-12 11:56:19', '2022-01-12 11:56:19', '\n

? Привет, коллеги.
Акция подошла к концу, самое время подвести итоги.
Кратко напомним условия: за каждые 3 оформленных полиса Альфа-Страхования в декабре участник получал виртуальный билет.

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?Определены 124 победителя из 150 мест. Это означает, что кому-то повезло в двойне или даже в тройне!

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Максимальный выигрыш на одного агента составил 12.500 рублей! ?

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? Победителям отправлено письмо на e-mail, а деньги уже зачислены и доступны для вывода!

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Проверьте свой личный кабинет и почту, возможно, выиграли именно вы!

\n\n\n\n

⚠️ Если в этот раз вам не повезло, не останавливайтесь и продолжайте оформлять, ведь впереди ещё очень много акций и розыгрышей.

\n\n\n\n

Благодарим за участие и вашу активность!

\n\n\n\n

С любовью к своему делу,
Команда Пампаду ?

\n', 'Результаты новогоднего розыгрыша 300.000 рублей!', 'Акция подошла к концу, самое время подвести итоги. Определены 124 победителя из 150 мест. ', 'publish', 'open', 'open', '', 'rezultaty-novogodnego-rozygrysha-300-000-rublej', '', '', '2022-01-12 11:56:19', '2022-01-12 11:56:19', '', 0, 'https://pampadu.ru/blog/?p=972', 0, 'post', '', 0), (973, 13, '2022-01-12 11:51:42', '2022-01-12 11:51:42', '', '1038x498-vz', '', 'inherit', 'open', 'closed', '', '1038x498-vz', '', '', '2022-01-12 11:51:42', '2022-01-12 11:51:42', '', 972, 'http://pamtest.ru/wp-content/uploads/2022/01/1038x498-vz.jpg', 0, 'attachment', 'image/jpeg', 0), (974, 13, '2022-01-12 11:53:39', '2022-01-12 11:53:39', '', 'итоги розыгрыша', '', 'inherit', 'open', 'closed', '', '1030x498-itogi', '', '', '2022-01-12 11:53:39', '2022-01-12 11:53:39', '', 972, 'http://pamtest.ru/wp-content/uploads/2022/01/1030x498-itogi.jpg', 0, 'attachment', 'image/jpeg', 0), (976, 12, '2022-01-13 13:54:50', '2022-01-13 13:54:50', '\n

Уважаемые агенты! С сегодняшнего дня запускаем акцию «Заработай на непроходимости». И начинаем выплачивать по 200 рублей за ваши примеры проигрышной проходимости на нашей платформе относительно других агентских агрегаторов страховок. 

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Участвуйте в акции и получайте вознаграждение просто за помощь нам стать лучше.

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Подробнее об условиях:

\n\n\n\n\n\n\n\n

Чтобы подать заявку с одним примером, заполните форму специального опроса, где укажите свои данные, айди или ссылку на полис с нашей платформы и добавьте ссылки на скрины положительного расчета с другого агрегатора. В течение от 1 до 5 рабочих дней с вами свяжутся через чат поддержки наши техспециалисты и сообщат о решении по выплате. Чтобы отправить второй и т.д. примеры, заново заполните форму опроса.

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Обратите внимание, что под акцию не попадают случаи, которые выявлены:

\n\n\n\n\n\n\n\n

\n\n\n\n

С любовью к своему делу,

\n\n\n\n

Команда Пампаду ?

\n', 'Акция «Заработай на непроходимости»', 'С сегодняшнего дня запускаем акцию «Заработай на непроходимости». И начинаем выплачивать по 200 рублей за ваши примеры проигрышной проходимости', 'publish', 'open', 'open', '', 'aktsiya-zarabotaj-na-neprohodimosti', '', '', '2022-01-13 13:54:50', '2022-01-13 13:54:50', '', 0, 'https://pampadu.ru/blog/?p=976', 0, 'post', '', 0), (977, 13, '2022-01-13 13:51:27', '2022-01-13 13:51:27', '', 'непроходимость', '', 'inherit', 'open', 'closed', '', '1038x498-zz', '', '', '2022-01-13 13:51:27', '2022-01-13 13:51:27', '', 976, 'http://pamtest.ru/wp-content/uploads/2022/01/1038x498-zz.jpg', 0, 'attachment', 'image/jpeg', 0), (982, 1, '2022-01-14 11:51:28', '2022-01-14 11:51:28', '\n

Привет, коллеги!
В этом году мы подумали о том, чтобы запустить программу для амбассадоров/представителей нашей компании.

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Кто такие амбассадоры Pampadu - это агенты, которые разделяют ценности бренда, активно используют платформу, им нравится наш продукт, и они готовы рассказывать о нас.

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Что получат амбассадоры:

\n\n\n\n\n\n\n\n

Заполните форму чтобы подать заявку на рассмотрение

\n', 'Стань бренд‑амбассадором компании Пампаду', 'Мы подумали о том, чтобы запустить программу для амбассадоров/представителей нашей компании.', 'publish', 'open', 'open', '', 'stan-brend-ambassadorom-kompanii-pampadu', '', '', '2022-01-14 11:51:28', '2022-01-14 11:51:28', '', 0, 'https://pampadu.ru/blog/?p=982', 0, 'post', '', 0), (983, 13, '2022-01-14 11:50:00', '2022-01-14 11:50:00', '', 'амбассадор пампаду', '', 'inherit', 'open', 'closed', '', 'amb-1038x498', '', '', '2022-01-14 11:50:00', '2022-01-14 11:50:00', '', 982, 'http://pamtest.ru/wp-content/uploads/2022/01/amb-1038x498-1.jpg', 0, 'attachment', 'image/jpeg', 0), (1148, 1, '2022-01-28 11:48:12', '2022-01-28 11:48:12', '\n

Коллеги, наша платформа не перестает пополняться новыми страховыми компаниями!

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? Спешим вам сообщить, что «Зетта Страхование» теперь доступна на Пампаду для оформления ОСАГО в 35 и более регионах России.

Оформляйте полисы «Зетты» в личном кабинете по ссылке ? https://bit.ly/3KUhwRO

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С любовью к своему делу,

\n\n\n\n

Команда Пампаду ?

\n', '«Зетта Страхование» доступна для оформления ОСАГО!', 'Спешим вам сообщить, что «Зетта Страхование» теперь доступна на Пампаду для оформления ОСАГО в 35 и более регионах России.', 'publish', 'open', 'open', '', 'zetta-strahovanie-dostupna-dlya-oformleniya-osago', '', '', '2022-01-28 11:48:12', '2022-01-28 11:48:12', '', 0, 'https://pampadu.ru/blog/?p=1148', 0, 'post', '', 0), (1149, 13, '2022-01-28 11:44:51', '2022-01-28 11:44:51', '', 'Зетта страхование на пампаду', '', 'inherit', 'open', 'closed', '', '1039x498', '', '', '2022-01-28 11:44:51', '2022-01-28 11:44:51', '', 1148, 'http://pamtest.ru/wp-content/uploads/2022/01/1039x498.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (1152, 1, '2022-01-31 11:12:04', '2022-01-31 11:12:04', '\n

Уважаемые агенты, мы получаем много обращений от вас по поводу проходимости. В связи с этим плотно общаемся со страховыми компаниями. Пытаемся добиться лучших условий для своих пользователей от тех СК, с которыми уже реализована интеграция, а также подключить новые.

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? В целом ситуация по ОСАГО сейчас такова, что практически все страховщики ужесточают сегментацию, закрывают целые регионы и даже полностью продажи. Причиной всему высокая убыточность бизнеса. И в первую очередь, чтобы получить послабления со стороны страховых компаний, необходимо понижать убыточность портфеля.

\n\n\n\n

Мы уже со своей стороны предприняли ряд мер, в том числе блокировку явных мошенников. Но этого недостаточно. Поэтому обращаемся к вам с просьбой внимательнее относиться к оформляемым на платформе полисам.

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? Страховые компании детально анализируют убыточные полисы, выявляют источник продаж и соответственно настраивают ограничения. И чем меньше убытков будет зафиксировано по вашим полисам по итогам квартала и года, тем более выгодные условия страхования вы получите в следующем.

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\n\n\n\n

С любовью к своему делу,

\n\n\n\n

Команда Пампаду! ?

\n', 'Минимальная убыточность — ваша максимальная выгода', 'Чем меньше убытков будет зафиксировано по вашим полисам по итогам квартала и года, тем более выгодные условия страхования вы получите в следующем.', 'publish', 'open', 'open', '', 'minimalnaya-ubytochnost-vasha-maksimalnaya-vygoda', '', '', '2022-01-31 11:12:04', '2022-01-31 11:12:04', '', 0, 'https://pampadu.ru/blog/?p=1152', 0, 'post', '', 0), (1153, 13, '2022-01-31 11:10:50', '2022-01-31 11:10:50', '', 'проходимость', '', 'inherit', 'open', 'closed', '', '1039x498-2', '', '', '2022-01-31 11:10:50', '2022-01-31 11:10:50', '', 1152, 'http://pamtest.ru/wp-content/uploads/2022/01/1039x498-2.jpg', 0, 'attachment', 'image/jpeg', 0), (1155, 1, '2022-02-01 11:35:47', '2022-02-01 11:35:47', '\n

Коллеги, привет! Делимся обновлениями

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? Пока страховые компании подкручивают сегментацию и на это нельзя повлиять, мы не стоим на месте и всеми силами пытаемся компенсировать ситуацию за счёт доработок и добавления новых партнёров на нашу платформу. Ниже приводим список доработок, направленных на увеличение проходимости в ОСАГО:

\n\n\n\n
  1. «Согаз» обновили справочник транспортных средств;
  2. Добавлена новая СК «Zetta»;
  3. «ВСК» увеличен шанс одобрения, если указывать предыдущий полис;
  4. «Макс» исправлен ряд ошибок, связанные с адресами;
  5. «Альфа» - увеличен процент одобрения по пролонгациям и ЗК;
  6. Увеличен шанс одобрения договора в «Альфа», «Согласие», «Макс» и «Ренессанс» по программе переход.
  7. Подключен качественный сервис по загрузке информации по ТС
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? Пробуйте рассчитать и купить полис на Пампаду, даже если вчера вы получили отказ. Сегментация меняется каждый день, а постоянные доработки поднимают процент одобрения. Будем регулярно делиться списком технических улучшений, которые влияют на одобрение.

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С любовью к своему делу,

\n\n\n\n

Команда Пампаду ?

\n', 'Как мы улучшили проходимость', 'Пока страховые компании подкручивают сегментацию и на это нельзя повлиять, мы не стоим на месте и всеми силами пытаемся компенсировать ситуацию за счёт доработок и добавления новых партнёров на нашу платформу. ', 'publish', 'open', 'open', '', 'kak-my-uluchshili-prohodimost', '', '', '2022-02-01 11:35:47', '2022-02-01 11:35:47', '', 0, 'https://pampadu.ru/blog/?p=1155', 0, 'post', '', 0), (1156, 13, '2022-02-01 11:27:27', '2022-02-01 11:27:27', '', '1039x498 (2)', '', 'inherit', 'open', 'closed', '', '1039x498-2-2', '', '', '2022-02-01 11:27:27', '2022-02-01 11:27:27', '', 1155, 'http://pamtest.ru/wp-content/uploads/2022/02/1039x498-2.jpg', 0, 'attachment', 'image/jpeg', 0), (1157, 13, '2022-02-01 11:32:34', '2022-02-01 11:32:34', '', 'проходимость на пампаду', '', 'inherit', 'open', 'closed', '', 'blog-5', '', '', '2022-02-01 11:32:34', '2022-02-01 11:32:34', '', 1155, 'http://pamtest.ru/wp-content/uploads/2022/02/Blog.jpg', 0, 'attachment', 'image/jpeg', 0), (1159, 1, '2022-02-01 11:49:40', '2022-02-01 11:49:40', '\n

Уважаемые Агенты, сегодня Пампаду.ру исполняется 3 года!

\n\n\n\n

? 1 февраля три года назад в Пампаду был продан первый полис ОСАГО. Эта дата является совместной заслугой нашего дружного коллектива и Вас, наши дорогие клиенты!
Мы благодарим Вас за оказанное доверие, за Ваш выбор, за Ваше участие в нашем становлении!

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✨ В честь праздника мы запускаем акцию: «Пампаду разыгрывает 150 000 рублей»
Победить может каждый – будет 100 призовых места! Правила очень просты, а главное позволяют каждому забрать бонус.

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? Условия акции: Оформи минимум 2 полиса в феврале и получи до 10 000 рублей.

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5 мест - по 10 000 рублей - нужно оформить минимум 10 полисов
10 мест - по 5000 рублей - нужно оформить минимум 5 полисов
50 мест - по 1000 рублей - нужно оформить минимум 2 полиса

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? Также мы пониманием ситуацию с проходимостью на сегодняшний день и поэтому для тех, у кого не получилось оформить полис, но есть 10 созданных черновиков мы разыгрываем 10 сертификатов «Ozon» по 2000 рублей.
Мы случайным образом выберем победителей, в зависимости от того в какой список вы попали.

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⏱ Акция действует с 1.02.2022 по 28.02.2022

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Подведение итогов 03.03.2022. Деньги поступят на счет в личном кабинете, где вы их сможете вывести в стандартном режиме.

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P.S Коллеги, которые не попадут под условия данной акции, не расстраивайтесь в ближайшее время мы анонсируем для вас очень хорошую новость)

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Перейти в кабинет
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С любовью к своему делу,

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Команда Пампаду! ?

\n', 'Пампаду разыгрывает 150 000 рублей - Победить может каждый', 'Уважаемые Агенты, сегодня Пампаду.ру исполняется 3 года! В честь праздника мы запускаем акцию: «Пампаду разыгрывает 150 000 рублей». Победить может каждый – будет 100 призовых места! ', 'publish', 'open', 'open', '', 'pampadu-razygryvaet-150-000-rublej-pobedit-mozhet-kazhdyj', '', '', '2022-02-01 11:49:40', '2022-02-01 11:49:40', '', 0, 'https://pampadu.ru/blog/?p=1159', 0, 'post', '', 0), (1160, 13, '2022-02-01 11:46:09', '2022-02-01 11:46:09', '', 'розыгрыш пампаду', '', 'inherit', 'open', 'closed', '', '1038x498-1', '', '', '2022-02-01 11:46:09', '2022-02-01 11:46:09', '', 1159, 'http://pamtest.ru/wp-content/uploads/2022/02/1038x498-1.jpg', 0, 'attachment', 'image/jpeg', 0), (1163, 1, '2022-02-03 12:27:48', '2022-02-03 12:27:48', '\n

Любой активно работающий агент рано или поздно сталкивается с корпоративными видами страхования. Давайте разберемся как появляются такие клиенты, с какими сложностями можно столкнуться при их оформлении и почему страхование юридических лиц отличное направление для увеличения заработка агента.

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Расширяя клиентскую базу, у большинства агентов в основном работа строится с физическими лицами: их проще найти и предложить свои базовые услуги по подбору и оформлению продуктов, к тому же продукты для физических лиц проще и понятнее. Однако, работа с юридическими лицами открывает новые возможности. Чаще всего такие клиенты появляются по рекомендации, знакомствам или через тех физ. лиц, кого вы страхуете, ведь они где-то работают и не редко их компаниям также требуются страховые услуги. Тут вы можете быть как раз полезны.

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На каких видах корпоративного страхования в первую очередь зарабатывают агенты?

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Основными видами корпоративного страхования являются страхование ответственности и имущества. Давайте определим те виды, с которыми вы можете столкнуться чаще всего.

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  1. ДМС - медицинское страхование, чаще всего для сотрудников
  2. Имущественные виды: автопарки, здания, земля, товары, спец. техника, вертолеты и пароходы.
  3. Ответственность: аудиторов, арендаторов, застройщиков, перевозчиков грузов, владельцев опасных объектов
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У юридических лиц есть ряд условно обязательных видов, на которые мы рекомендуем обратить внимание в первую очередь:

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  1. Страхование ответственности арендаторов - все арендаторы ТЦ.
  2. Строительно монтажные риски (СМР) - застройщики реализующие гос заказы
  3. Владельцы опасных объектов: лифты, эскалаторы и др.
  4. Ответственность аудиторов, конкурсных управляющих
  5. Страхование грузов - перевозчики, экспедиторы, контейнеры
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Во время общения с клиентами, всегда узнавайте чем он занимается, где работает, так вы сможете во время легкой беседы понять, какие виды могут быть интересны. Обязательно рассказывайте, что вы работаете с юридическими лицами.

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С какими сложностями может столкнуться агент, начавший работу по корпоративным видам?

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Страхование юридических лиц достаточно трудоемкий процесс, так как требует индивидуального согласования каждого клиента в каждой отдельно взятой страховой компании. Условия могут сильно отличаться как по цене так и по вашему вознаграждению, какие-то компании не принимают определенные виды или типы клиентов, а другие наоборот на них специализируются. Поэтому для успешной работы нужно иметь в арсенале максимальное количество компаний, в которых можно провести договор, а также общение на уровне руководителей направлений и андерайтеров. Тогда вы сможете получать индивидуальные условия и всегда найдете куда пристроить клиента. Так работаем мы в Пампаду, когда к нам обращаются агенты по корпоративным видам или с нестандартными видами страхования.

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Сколько может заработать агент на страховании юридических лиц?

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Доход агента по корпоративным видам страхования вас порадует. Страховые компании готовы щедро платить по большинству из них, так как риски наступления страхового случая совсем небольшие. Поэтому комиссия варьируется от 20 до 40%, а в редких случая и 50%! К тому же не стоит забывать, что стоимость полиса существенно выше. Если мы рассматриваем автопарки, то один раз согласовав клиента, вы будете получать комиссию на протяжения всего года по всем автомобилям!

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Давайте рассмотрим на примере страхования ответственности. К вам обратилась строительная компания, которая выиграла государственный тендер на благоустройство парковой зоны. Для его выполнения обязательно нужно застраховать строительно монтажные риски. Цена контракта - 400 млн. руб., стоимость полиса 261 тыс. руб. ваша комиссия 30% или 78 тыс. руб. И это только с одного такого договора.

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Уже на следующей неделе мы запускаем для вас корпоративные виды страхования. Чтобы в любой ситуации вы могли помочь клиенту и заработать. И неважно, будет это страхование автопарка из 10 автомобилей или страхование строительно монтажных рисков на сотни миллионов рублей. Поможем с любым видом. Лучшие условия уже согласованы для Пампаду. Ждите анонса.

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С любовью к своему делу,

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Команда Пампаду ?

\n', 'Как заработать агенту на корпоративном страховании?', 'Любой активно работающий агент рано или поздно сталкивается с корпоративными видами страхования. Давайте разберемся как появляются такие клиенты и с какими сложностями можно столкнуться при их оформлении.', 'publish', 'open', 'open', '', 'kak-zarabotat-agentu-na-korporativnom-strahovanii', '', '', '2022-02-03 12:27:48', '2022-02-03 12:27:48', '', 0, 'https://pampadu.ru/blog/?p=1163', 0, 'post', '', 0), (1164, 13, '2022-02-03 12:25:07', '2022-02-03 12:25:07', '', 'как заработать на корпоративном страховании', '', 'inherit', 'open', 'closed', '', 'mail-_blog', '', '', '2022-02-03 12:25:07', '2022-02-03 12:25:07', '', 1163, 'http://pamtest.ru/wp-content/uploads/2022/02/Mail_Blog.jpg', 0, 'attachment', 'image/jpeg', 0), (1169, 15, '2022-02-09 12:56:09', '2022-02-09 12:56:09', '\n

Итак, вы решили стать страховым агентом. Возможно, вам посоветовали знакомые, реклама в интернете, да все что угодно. И теперь вас волнуют вопросы: с чего же начать, смогу ли я, и, конечно, главное – сколько я буду зарабатывать? А может быть сначала нужно долго и нудно учиться? Ответим сразу: учиться нужно, но прямо во время работы, поэтому нудным и долгим обучение назвать достаточно сложно.

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Сколько времени на работу тратит страховой агент?

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Вы сами решаете сколько и как вы будете трудиться. Насторожились и думаете, что мы вас обманываем? Отнюдь: вы можете вообще не напрягаться и не получить ничего, а можете за несколько часов заработать порядка 100 тысяч рублей. Зависит лишь от того, как вы работали и что именно застраховали. Решайте сами – десять полисов ОСАГО, с которых вы получите порядка 5-7 тысяч, или, к примеру, КАСКО на какой-нибудь LEXUS – с соответствующим вознаграждением.

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Подойдет ли вам работа страхового агента?

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Она для тех, кто много общается с людьми, готов много трудиться, пусть даже без сиюминутного результата, а также готов постоянно учиться чему-то новому. Больше всего «привязывает» клиента к вам то, насколько профессионально вы отвечаете на его вопросы. Простой пример: если он спрашивает: «Скажите, могу ли я застраховать свой курятник на случай падения на него НЛО?» лучшим вариантом будет не звонить в психиатрическую клинику, а вежливо уточнить стоимость курятника, и предложить страхование хозяйственной постройки от падения летательного аппарата. И клиент доволен, и вы с деньгами.  

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Что нужно, если вы всерьез решили стать страховщиком?

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Для того чтобы стать страховым агентом, больше всего вам пригодится:

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- Коммуникабельность – вам придется много общаться с людьми, как лично, так и заочно.

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- Внимательность – при вводе данных для оформления ОСАГО ошибка чревата неправильным расчетом стоимости полиса, а при заключении договоров по добровольным видам страхования иногда именно мелочи определяют саму возможность заключения договора страхования.

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- Самоорганизация – при свободном графике работы (особенно дома), очень легко отвлечься на домашние дела и пустить все на самотек. Результатов в таком случае ждать придется очень долго.

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- Хорошая память – безусловно, выучить наизусть все правила страхования невозможно. Но понимать нюансы страхования транспорта, имущества, здоровья и т.д. необходимо. Чем больше вы знаете и можете предложить клиенту, тем больше вы зарабатываете.

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С чего начать работать страховому агенту?

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Вопрос актуален как по отношению к клиентам (где их искать?), так и к страховым компаниям. Вариантов расширения клиентской базы сейчас достаточно много: личные контакты, рекомендации, социальные сети, какой из них удобнее, безусловно, решаете вы.

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Кроме этого, обязательно нужно понимать какую цель вы перед собой ставите: получить от агентской деятельности небольшой дополнительный доход, оформляя полисы своим знакомым и затрачивая на это минимум времени и сил, либо вы планируете добиться серьезных успехов в этом направлении. Во втором случае речь пойдет о разработке бизнес-плана вашей деятельности, с постановкой конкретных целей и задач, в первом – разве что об изучении основных продуктов для физических лиц (ОСАГО, КАСКО, дома, квартиры).

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Что выбрать начинающему: агентский договор со страховой компанией (или несколькими компаниями) или регистрация на одной из онлайн-платформ?

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В первом случае вы можете оставить заявку на заключение агентского договора непосредственно на сайте выбранного вами Страховщика или прийти лично в их агентский офис. После сбора всех необходимых документов и проверки их службы безопасности (не стоит беспокоиться: это абсолютно стандартная процедура, и вызывать на «допрос» вас никто не будет), вы станете ее полноправным представителем. Стоит отметить, что на все эти процедуры может уйти несколько недель.

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Во втором случае вы регистрируетесь на онлайн-платформе для агентов и практически сразу можете приступать к оформлению полисов.

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Чем предпочтительнее именно второй вариант: предельно простая процедура регистрации, расчет стоимости полиса сразу по нескольким компаниям и т.д., поэтому для новичка, на мой взгляд, он оптимален. Как и в страховой компании здесь у вас будет куратор, к которому вы всегда сможете обратиться с вопросами, если они возникнут, будет служба технической поддержки, которая поможет решать технические проблемы при работе с программой. А дополнительные опции (восстановление КБМ или оформление договора купли-продажи) позволяют расширить перечень услуг, которые вы можете предложить своим клиентам. Это очень важно, особенно на начальном этапе.

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Можно ли стать профессиональным страховым агентом?

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Зависит от того, насколько серьезно вы будете относиться к этой работе. Как правило, все новички начинают с ОСАГО, так как этот вид страхования является обязательным и наиболее прост в оформлении. Но у каждого автовладельца есть квартира, а то и загородный дом, его ребенок может заниматься спортом, а сам он с семьей, возможно, любит отдыхать за границей. И все это так же страхуется.

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Существует более 100 видов страхования и только от ваших знаний зависит, что вы сможете предложить своим партнерам для оптимальной защиты их семьи и имущества и, соответственно, сколько заработать.

\n', 'Как стать страховым агентом?', 'Итак, вы решили стать страховым агентом на дому. Возможно вам посоветовали знакомые или реклама в интернете. Расскажем об всём по порядку', 'publish', 'open', 'open', '', 'kak-stat-strahovym-agentom', '', '', '2022-02-09 12:56:09', '2022-02-09 12:56:09', '', 0, 'https://pampadu.ru/blog/?p=1169', 0, 'post', '', 2), (1170, 13, '2022-02-08 07:17:34', '2022-02-08 07:17:34', '', 'как стать страховым агентом', '', 'inherit', 'open', 'closed', '', '1038x498xbanner', '', '', '2022-02-08 07:17:34', '2022-02-08 07:17:34', '', 1169, 'http://pamtest.ru/wp-content/uploads/2022/02/1038x498xbanner.jpg', 0, 'attachment', 'image/jpeg', 0), (1173, 1, '2022-02-09 13:09:50', '2022-02-09 13:09:50', '\n

Привет, коллеги! ?

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? Сообщаем вам хорошую новость. Мы перезапустили страховую компанию «Астро-Волга», а это значит, что теперь её полисы вы можете оформить на Пампаду! Уже идут первые продажи. Подробнее о сегментации и размере вознаграждения в ЛК.

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? Компания принимает к страхованию автомобили категории B из 14 регионов.

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Попробуйте прямо сейчас в личном кабинете по ссылке!

\n', 'Перезапуск СК «Астро-Волга» на Пампаду!', '? Сообщаем вам хорошую новость. Мы перезапустили страховую компанию «Астро-Волга», а это значит, что теперь её полисы вы можете оформить на Пампаду! ', 'publish', 'open', 'open', '', 'perezapusk-sk-astro-volga-na-pampadu', '', '', '2022-02-09 13:09:50', '2022-02-09 13:09:50', '', 0, 'https://pampadu.ru/blog/?p=1173', 0, 'post', '', 0), (1174, 13, '2022-02-09 12:00:58', '2022-02-09 12:00:58', '', 'астро-волга на пампаду', '', 'inherit', 'open', 'closed', '', '1039x498-3', '', '', '2022-02-09 12:00:58', '2022-02-09 12:00:58', '', 1173, 'http://pamtest.ru/wp-content/uploads/2022/02/1039x498-3.jpg', 0, 'attachment', 'image/jpeg', 0), (1191, 1, '2022-02-10 12:13:58', '2022-02-10 12:13:58', '\n

Привет, коллеги! ? Мы запустили корпоративное страхование юр. лиц на Пампаду!

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? Уже сейчас вы можете подать заявку в 12 страховых компаний через единый личный кабинет. А мы, в свою очередь, поможем вам её согласовать, договориться о КВ, оформить полис, и в конце начислим за него комиссию.

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?Корпоративное страхование — большая возможность для страхового агента начать зарабатывать больше. Подробнее о том, как это сделать, описали в данной статье

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? Узнать подробнее об условиях и о порядке работы можно в личном кабинете при создании нового полиса или по ссылке ?

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Желаем удачи и хороших продаж, оформляйте юр.лиц на Пампаду!

\n', 'Запустили корпоративное страхование юр. лиц на Пампаду', '? Мы запустили корпоративное страхование юр. лиц на Пампаду! ? Уже сейчас вы можете подать заявку в 12 СК через единый личный кабинет', 'publish', 'open', 'open', '', 'zapustili-korporativnoe-strahovanie-na-pampadu', '', '', '2022-02-10 12:13:58', '2022-02-10 12:13:58', '', 0, 'https://pampadu.ru/blog/?p=1191', 0, 'post', '', 0), (1192, 13, '2022-02-10 12:11:39', '2022-02-10 12:11:39', '', 'корпоративное страхование пампаду', '', 'inherit', 'open', 'closed', '', 'ya-spr-blog-mail', '', '', '2022-02-10 12:11:39', '2022-02-10 12:11:39', '', 1191, 'http://pamtest.ru/wp-content/uploads/2022/02/YA-spr-blog-mail.jpg', 0, 'attachment', 'image/jpeg', 0), (1194, 15, '2022-02-10 14:16:09', '2022-02-10 14:16:09', '\n

Как лучше работать страховому агенту: напрямую со страховщиком или с онлайн-платформой. Рассмотрим оба варианта

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Регистрация личного кабинета агента

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При заключении договора со страховой компанией вам придется:

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При регистрации в онлайн сервисе:

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Оформление страхового полиса

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Вы заключили агентские договора с несколькими страховыми компаниями и, чтобы рассчитать стоимость полиса ОСАГО, вносите все необходимые данные в личном кабинете каждой из них отдельно. Представляете, сколько времени на это уйдет?

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Работая с онлайн-платформой, вы вводите информацию один раз и получаете расчет по всем (а иногда их бывает несколько десятков) Страховщикам, представленным на данной площадке. Кроме того, сведения по автомобилю заполняются автоматически. Вам достаточно указать лишь его гос. номер или VIN-код, если авто не поставлено на учет, все остальное программа сделает сама.

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Сколько полисов нужно продать агенту новичку?

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Некоторые страховые компании для агентов вводят минимальный план продаж, пусть даже тысяч 30-50 в месяц. Или устанавливают требования по портфелю, оговаривая, например, что 10-15% в общей сумме сборов, должны составлять так называемые, «не моторные» виды (имущество, ответственность (но не ОСАГО!), медицина...). Причем невыполнение этих нормативов иногда чревато расторжением агентского договора.

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Безусловно, положительная динамика приветствуется везде, но вот требования к тому сколько и чего именно вы обязаны продать за месяц, онлайн-сервис вам точно не предъявит и работать с вами не прекратит.

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Выплата комиссии

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При работе со страховой компанией, задержки выплаты агентского вознаграждения явление достаточно частое.

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У агрегаторов все, как правило, очень быстро и четко. У кого-то перечисление производится один раз в месяц, у кого-то деньги практически сразу можно вывести себе на карту. Но все происходит именно в те сроки, которые оговорены изначально.

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Дополнительные услуги, дополнительный доход

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Обычно начинающие агенты работают преимущественно с ОСАГО. Это просто и доступно, но стоимость этих договоров невелика. Поэтому неплохо предложить клиенту помощь, например, в оформлении договора купли-продажи или в возврате скидок, утерянных им из-за какой-то случайности (самое частое явление -- сменил права, а в полис изменения не внес). В итоге клиенту – комфорт, а то и экономия при оформлении автогражданки, вам – дополнительные доходы. Причем на площадке онлайн-платформы, делать все это вы можете прямо в своем личном кабинете, у страховых компаний подобные функции «дополнительных сервисов» не встречаются.

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Отсутствие региональных ограничений

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Практически все страховщики сейчас работают по ОСАГО с клиентами из своих регионов. Например, застраховать в Нижнем Новгороде автомобиль, «прописанный» в Москве, практически нереально. А это существенно снижает возможности по расширению клиентской базы. Другое дело онлайн-сервис – вы можете, работая с ним, продвигать свои странички в соцсетях и искать клиентов хоть на Сахалине сидя под Владимиром.

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Итого, что мы получаем, сотрудничая со страховым агрегатором: моментальная регистрация в личном кабинете, минимальные затраты времени на предварительный расчет стоимости полиса и его оформление, комфортный способ вывода агентского вознаграждения и возможность работать на всей территории России.

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Безусловно, с кем и как работать в качестве агента решать вам. Но мне кажется, что если вы цените свое время и хотите как можно быстрее добиться лучших результатов, то выбор очевиден, не очень приятно услышать от клиента «Я уже застраховался», затянув процесс подбора лучшего варианта по нескольким компаниям в «индивидуальном» режиме.

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Регистрируйтесь на Пампаду и начинайте работать! --> Зарегистрироваться

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Сколько же зарабатывает страховой агент? Вопрос серьезный, особенно с учетом того, что гарантированного оклада у него нет и все доходы — это комиссионное вознаграждение за заключенные им договора.

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Согласно статистическим данным, опубликованным на сайте Russia.trud.com, в 2021 году страховой агент в среднем зарабатывает 28 743 рубля.

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От чего зависит доход страхового агента?

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Насколько быстро вы начнете зарабатывать?

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Понятно, уровень доходов новичков гораздо ниже, чем у агентов со стажем, обширными знаниями и большой клиентской базой. Может получиться так, что в первые месяцы работы вы будете заключать по 2-3 договора ОСАГО и, соответственно, получать за них будете немного, иногда даже три-четыре тысячи в месяц. Этот период самый сложный, причем, наверное, в любой работе. Но со временем, набираясь опыта и расширяя свою клиентуру, вы увидите, что размер комиссионного вознаграждения постепенно растет. До каких пределов он может вырасти? А вот это и есть самое интересное – верхней «планки» нет, только от вас зависит, насколько она будет высоко, возможно это будут уже не десятки, а сотни тысяч ежемесячно.

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Как увеличить свой доход страховому агенту?

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Самый доходный вид страхования

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Иногда на различных сайтах встречается информация о том, что «самым доходным» для агентов является ОСАГО – машин сейчас много и каждый автовладелец обязан застраховаться. То, что автогражданка один из самых доступных для новичка видов страхования, это бесспорно. Но самый ли доходный? В крупных городах с высоким территориальным коэффициентом и большим количеством мощных автомобилей цена полиса действительно довольно высока, а в глубинке его средняя стоимость может не превышать 2-3 тысячи.

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На мой взгляд ОСАГО — это прекрасный способ «познакомиться» с клиентом и начать диалог. Наверняка в процессе общения вы выясните какие еще у него есть потребности и сможете предложить другие виды страхования (КАСКО, имущество, жизнь и здоровье и т.д.). Профессиональные страховщики так и работают: заключив один договор, постепенно начинают продвигать и другие варианты страховой защиты.

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Есть ли потолок у «зарплаты» страхового агента?

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Повторюсь, это один из тех случаев, когда «верхней» планки у ваших доходов просто нет. Вы сами решаете сколько и как вы будете зарабатывать. Самое главное, что этот бизнес не предъявляет никаких требований ни к вашему образованию, ни к опыту работы. Здесь рады всем, просто приходи и начинай работать, а остальное зависит только от тебя.

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Привет, коллеги! За последние две недели на нашей платформе произошло множество изменений и улучшений. Рассказываем обо всём по порядку:

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? Запущено корпоративное страхование юр. лиц в 12 страховых компаниях. Заявку уже можно подать в личном кабинете Пампаду. Подробнее о том, какие новые возможности это открывает перед агентами рассказали в статье «Как заработать агенту на корпоративном страховании?»

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? Запущено страхование КАСКО для первых 15 000 зарегистрированных агентов в 22 страховых компаниях. В скором времени откроем доступ для всех. Проверяйте свой личный кабинет по ссылке и оформляйте КАСКО с максимальным КВ до 39%!

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? Перезапущены продажи ОСАГО от СК Астро-Волга! Компания принимает к страхованию автомобили категории B из 14 регионов:

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⚙️ Реализованы доработки, повышающие проходимость ОСАГО:

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Изучайте новые виды страхования и увеличивайте свой заработок. А также следите за анонсами, впереди ещё много интересного. Желаем удачи и хороших продаж!

\n', 'Новые обновления на платформе Пампаду', '? Привет, коллеги! За последние две недели на нашей платформе произошло множество изменений и улучшений. Рассказываем обо всём по порядку', 'publish', 'open', 'open', '', 'novye-obnovleniya-na-platforme-pampadu', '', '', '2022-02-12 08:54:26', '2022-02-12 08:54:26', '', 0, 'https://pampadu.ru/blog/?p=1206', 0, 'post', '', 0), (1207, 13, '2022-02-12 08:51:32', '2022-02-12 08:51:32', '', 'обновления на пампаду', '', 'inherit', 'open', 'closed', '', 'blog-mail', '', '', '2022-02-12 08:51:32', '2022-02-12 08:51:32', '', 1206, 'http://pamtest.ru/wp-content/uploads/2022/02/Blog-mail.jpg', 0, 'attachment', 'image/jpeg', 0), (1209, 1, '2022-02-14 14:58:04', '2022-02-14 14:58:04', '\n

Привет, коллеги! ?
Мы решили провести серию вебинаров про ипотечное страхование совместно с активными пользователями нашей платформы.
? Приглашенные гости — это действующие агенты, брокеры и риелторы, которые успешно продают полисы ипотеки. Они расскажут о своем опыте, поделятся лайфхаками и на конкретных примерах разберут актуальные проблемы ипотечного страхования.

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? Цели — рассказать вам про рынок страхования ипотеки в России и его особенностях, дать рекомендации, как привлекать клиентов и на этом зарабатывать.

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На вебинаре вы узнаете:

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? Спикеры:
Сергей Локтев, генеральный директор Пампаду
Андрей Сингатов, страховой агент, который оформляет на Пампаду по 6–10 полисов ежемесячно

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⏱ Начало: 17 февраля в 16:30 по МСК в Telegram-канале Пампаду.

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❗️Подключайтесь к трансляции и готовьте вопросы, вы сможете задать их в конце эфира! Также у вас есть возможность отправить нам свои вопросы заранее — переходите по ссылке и заполните форму ? https://forms.gle/RueFsbfDciuv2KBL8

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? Включите уведомления, чтобы не пропустить.

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Ждём вас!

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Разбираемся где искать первых клиентов начинающему страховому агенту. Этот вопрос актуален для всех, как для новичков, так и для опытных продавцов. Хотя варианты его решения, естественно, для тех и для других могут отличаться друг от друга.

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Итак, решение принято – вы заключили агентский договор (и неважно со страховщиком или зарегистрировались на какой-либо онлайн-платформе), вы вполне освоились с программами в личном кабинете и готовы страховать буквально все и всех. Но… Почему-то эти «все» к вам не стремятся. Может быть они просто о вас не знают?

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Где найти первых клиентов страховому агенту?

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Вы только начинаете, и у вас нет ни только клиентов, но и уверенности в себе, поэтому оптимально начать поиски с так называемого «теплого» круга.  Что такое «теплый круг»? У каждого из нас есть родственники, друзья, коллеги, просто хорошие знакомые. Составьте список, просто выпишите на бумагу всех, кого сможете вспомнить, поставьте пометки: у Иванова машина (ОСАГО), а у Пипочкина авто в кредите (ОСАГО и КАСКО), Кузякин недавно взял ипотеку (нужно уточнить, когда будет страховаться) и т.д. Вот вам и первые потенциальные клиенты. Пусть их будет не очень много, но это люди, которых не отпугнет то, что вы еще немного теряетесь, если они задают какой-либо заковыристый вопрос. И, самое главное, заканчивая встречу (в идеале подписывая полис), просите у них рекомендации. Ведь у каждого из них свой «теплый круг», а начинать, работая таким образом, гораздо проще, чем общаться с незнакомыми людьми. Причем под «рекомендацией» в нашем случае подразумевается телефон конкретного человека и разрешение от вашего клиента на то, что при звонке вы можете сослаться на него.

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Работа по холодным контактам.

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Безусловно, одними друзьями-родственниками не обойдешься. Да и клиенты должны понимать, чем вы интереснее других агентов и почему ОСАГО лучше делать у вас, а не самому оформлять на сайте страховой компании.  Как этого добиться? Вы должны много знать. Знать как о нюансах оформления договоров (той же ипотеки), так и о том, что делать, если у клиента пропала скидка при страховании ОСАГО или наступил страховой случай. Мои клиенты, например, иногда звонят мне прямо с места ДТП, уточняя что и как лучше сделать, консультируются по поводу расторжения страховок, навязанных в автосалонах и т.д.

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Однажды столкнулась с девушкой, которая попала в довольно неприятную ситуацию: при пролонгации ОСАГО неожиданно выяснилось, что водительская скидка у нее неожиданно поменялась и вместо 50% теперь всего 10%. Причем полис она пролонгировала в той же компании, в которой страховалась до этого. Страховщик на официальный запрос ответил, что все в полном соответствии с базой РСА. Моей клиенткой она не была, но помощь ей в решении этого вопроса я предложила. Итог: скидка вернулась, а у меня теперь страхуется и она, и члены ее семьи, причем не только по ОСАГО.

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Способы поиска клиентов

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Социальные сети

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Страничку в «Одноклассниках» или «Вконтакте» завести можно сразу, написать кто вы, чем занимаетесь, что предлагаете своим подписчикам, но это скорее работа на долгосрочную перспективу, да и материалы для своих публикаций гораздо проще искать, когда есть уже определенный опыт, действительно есть чем поделиться и неожиданные вопросы не вызывают приступов паники. Зато несомненный плюс такого варианта расширения клиентской базы это то, что вы не ограничиваетесь пределами своего города или поселка, и, кроме того, никто не мешает вам в определенный момент начать искать себе не клиентов, а партнеров, собирать свою агентскую сеть, и, тем самым, обеспечить себе в итоге пассивный доход с их продаж.

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Холодные звонки

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 В заключение хочу сказать пару слов о «холодных» звонках. Конечно, можно купить базу телефонных номеров (как иногда советуют в подобной ситуации) и начать обзванивать всех подряд, пытаясь таким образом добиться своей цели. Но насколько высока вероятность, что в результате ваш телефон не будет охарактеризован как спам? А сейчас многие операторы предлагают клиентам оценить поступивший им звонок. И что тогда?

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Вообще холодные звонки более уместны при работе с юридическими лицами, так как в этом случае телефоны находятся в свободном доступе в любом справочнике, поэтому хотя бы не возникает вопрос откуда вы его знаете. Но и здесь есть свои подводные камни: вы можете написать прекрасный скрипт, выучить все, что касается того вида страхования, который вы хотите предложить клиенту, а он спросит вас совсем не об этом. И от того, сможете вы сразу переключиться с одной темы на другую или нет вполне может зависеть будет он с вами дальше общаться или нет. К примеру: вы позвонили предложить ОСАГО, пусть даже целому парку, клиент может задать вопрос о… Страховании их нового оборудования. Потому что он опасается, что дорогостоящая установка сломается. И что тогда? Не каждый новичок с ходу готов поговорить о страховании его станков от поломок и т.д.

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И помните: клиент — это не только ценный мех…

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 …но и ваша зарплата. С клиентами нужно дружить, помогать им при страховом случае, напоминать о пролонгации, предлагать что-то новое, тогда они будут гораздо охотнее работать с вами и рекомендовать вас своим знакомым. Тогда ваша клиентская база будет расти сама, причем обращаться к вам будут и с весьма серьезными вопросами.

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Как искать клиентов каждый агент в итоге решает для себя сам: кто-то работает исключительно по рекомендациям, кто-то вовсю раскручивает странички в соц. сетях, привлекая для этого высокооплачиваемых специалистов, кто-то занимается холодными звонками, но их всех объединяет одно – постоянное пополнение и сохранение своей клиентской базы, а так же расширение перечня страховых услуг, которые они готовы предложить. Чем больше вы знаете – тем более вы интересны и тем быстрее растет ваша клиентура.

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? Привет, коллеги! Совсем недавно у нас запустился новый продукт: страхование юрлиц. Пока что он вызывает много вопросов и многие не понимают, как он работает. Поэтому мы собрали список самых частых вопросов и ответили на них. Надеемся, вам будет легче разобраться?

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❓У меня парк состоит из 30 ТС, но застраховать в ближайшие 2 недели нужно только 3 ТС, возьмете на страхование?
? Да, мы берем парки от 10 ТС. Вы не обязаны страховать весь парк сразу, после одобрения от СК вам придет расчет по каждому ТС и вы оплачиваете полиса, которые вам нужны на данный момент.

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❓Берете ли вы на корпоративное страхование ОСАГО 3 ТС?
?Если вам нужно застраховать ТОЛЬКО 3 ТС - нет, мы не берем. Но если в парке от 10 ТС, но застраховать в этом году ваш нужно только 3 ТС - в таком случае вы смело можете оставлять заявку на нашем сайте

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❓Когда я получу ответ по своей заявке?
?После заполнения формы на сайте с вами свяжется наш менеджер. Исходя из ваших запросов предложит заполнить общее заявление от СК, которое позже будет направлено на рассмотрение в 12 страховых компаний.

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❓Я отправила заявление на страхование парка ОСАГО, когда ждать ответ?
?Ответ от СК приходит в течение 1-4 дней. Если по всем страховым компаниям приходит отказ - время ожидания ответа может увеличиться. В это время наш менеджер будет общаться с СК о возможности оформления допов к имеющейся заявке. Позже свяжется с вами и предложит получившийся вариант или уведомит об отрицательном ответе.

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❓Мою заявку пропустят? По ней будет положительное решение от СК?
?Пампаду является посредником и помогает вам получить расчет сразу от 12 страховых компаний, поэтому мы не можем знать заранее одобрит та или иная СК вашу заявку

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❓Можно ли оформить полис задним числом?
?Это не законно, но уточнить у страховой никто не запрещал:)

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❓Если я не знаю подходит ли мой запрос для оформления корпоративного страхования на Пампаду, мне все равно оставлять заявку через вашу форму?
?Если вы в чем-то не уверены, вы можете написать в наш замечательный чат технической поддержки. Коллеги оперативно ответят на все ваши вопросы

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❓Если я ИП, могу ли я быть страхователем?
?Да, можете, для этого потребуется выслать менеджеру скан первых двух страниц вашего паспорта.

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❓Машины в лизинге, возьмете на страхование?
?Да, возьмем. Если машина находится в лизинге, менеджеру обязательно нужно написать название и ИНН лизинговой компании.

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С любовью к своему делу,
Команда Пампаду ?

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Самая благоприятная клиентская аудитория для любого страхового агента наряду с автовладельцами — заемщики ипотечных кредитов. Расскажем как застраховать ипотеку, почему и что нужно знать агенту об этом.

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Ипотека — лакомый кусок для агента

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Страхование ипотеки относительно новый продукт. Но с запуском продаж на онлайн-агрегаторах стал для агента новым коньком. И вот почему:

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А самое главное — расчет и оформление полиса онлайн происходят быстро, просто и удобно. Например, в личном кабинете агента на Pampadu.ru достаточно ввести минимум данных, чтобы сразу получить предварительный расчет от 4 страховых компаний. Стоимость полисов практически не изменяется при вводе всех данных по клиенту, кредитному договору и залоговому имуществу. Нет необходимости сканировать и загружать документы, и все оформление занимает не больше 10 минут. Полис приходит на почту клиенту в течение часа.

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Виды страхования при ипотеке

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Требования у различных банков могут отличаться, но стандартно предлагают страховать следующее:

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Стоит отметить, что при покупке жилья в строящемся доме, до момента его ввода в эксплуатацию, страхуется только жизнь заемщика. Объект недвижимости страхуют сразу после того, как наш клиент получает на него право собственности. Титул требует сбора пакета документов и их тщательной проверки, поэтому пока через онлайн-платформы такие договора не оформляют.

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Способы оформления полиса ипотечного страхования

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Оформить страховку по ипотеке можно несколькими способами:

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  1. Оплатить страховку прямо в банке при оформлении ипотечного кредита.
  2. Воспользоваться калькулятором ипотечного страхования на сайте Домклик.
  3. Определиться с перечнем страховых компаний, аккредитованных в нужном банке, и сделать расчеты на сайте либо в агентском кабинете каждой из них.
  4. Выполнить расчет и оплатить через онлайн-агрегатор страховок.
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Первый вариант, казалось бы, самый простой и удобный для клиента. Но страховка при этом обходится в разы дороже. Экономия стоит того, чтобы обратиться к вам за помощью.

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Второй вариант, Домклик, подходит только для клиентов Сбербанка и не предусматривает комиссионного вознаграждения. Хотя и страховому агенту он может быть весьма полезен – послужит ориентиром рыночной стоимости полисов для ипотечных заемщиков. 

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Третий займет немало времени, да и агентских договоров со страховщиками у вас может не быть. 

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Поэтому четвертый способ гораздо предпочтительнее, судите сами:

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Рассмотрим на конкретном примере, насколько страховой агент поможет сэкономить на полисах ипотечному заемщику. Сделаем расчеты для одного и того же заемщика на Домклик и в личном кабинете страхового агента на Pampadu.ru:

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Страховая сумма 750 000 рублей. Заемщик женщина, 18.08.1996 г.р.

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Дом КликPampadu.ru
Залоговое имущество1687 руб. 675 руб. 
Жизнь и здоровье заемщика2527 руб. 821 руб.   
Итого4214 руб. 1496 руб.  
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Разница в стоимости видна невооруженным взглядом, экономия средств на лицо. И это прекрасный аргумент для вас в разговоре с клиентом. Другие преимущества онлайн-платформы Pampadu.ru для агента:

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Выбор страховой компании

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Когда речь идет об ипотечном страховании все просто — банк сам решает, каким компаниям дать аккредитацию и право защищать свои интересы. Причем зачастую в списках аккредитованных компаний присутствуют малоизвестные, но весьма надежные страховщики.  

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Например, СК «Пари». На рынке страхования с 1992 года, рейтинг финансовой надежности ruA — стабильный, специализируется на страховании грузов, имущества и ответственности. Не работает по ОСАГО, поэтому не очень широко известна на страховом рынке, но благодаря сбалансированному портфелю стабильно развивается и растет. В 2019 году ее уставный капитал вырос до 960 миллионов рублей. Поэтому можно смело рекомендовать эту компанию своим клиентам.

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Так, выбор страховщика фактически зависит от стоимости страхового полиса и предпочтений клиента. Надежность компаний и их перечень подтверждены банком-кредитором, а нюансы договора страхования согласованы с ним же и абсолютно одинаковы у всех.

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Оформление ипотечного страхования

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Чтобы рассчитать и оформить полис, прежде выясняем у клиента минимум необходимых данных. А именно: какой банк выдал ипотеку, сумму остатка по кредиту и дату рождения заемщика. Также уточняем, какой вид страховки требует банк от заемщика.                                                                                

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Затем делаем предварительный расчет и вместе с клиентом выбираем лучший вариант из предложенных. Бывает так, что иногда жизнь заемщика выгоднее страховать в одной компании, а имущество в другой. Этого не стоит бояться и можно практиковать.

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Далее нам потребуется ввести сведения по клиенту и кредиту. А если оформляем полис страхования имущества, то еще и данные по объекту залога. Все эти сведения можно собрать из следующих документов:

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Предупреждайте клиента заранее о том, какие документы потребуются для оформления полисов. И если кто-то не пожелает передавать вам их копии, то можете просто перечислить список необходимых данных и проконсультировать, где их найти.

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Если нужна страховка жизни и здоровья, то не забудьте уточнить рост и вес клиента, профессию, показатели артериального давления, наличие хронических заболеваний и инвалидности. Дайте пояснения по условиям страхования у разных страховых, проконсультируйте, как поступать при наступлении страхового случая. 

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Помощь клиенту значительно сэкономить на страховке и ваш профессионализм в сфере страхования повысят вероятность, что клиент порекомендует вас своим знакомым и родственникам. Например, мне одна клиентка привела сразу двух своих коллег-ипотечников после того, как я застраховала ее в полтора разе дешевле, чем предлагал банк.

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Реализация вашего опыта и знаний при страховании ипотеки

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Чем опытнее агент, тем сложнее задачи он может решить. При страховании ипотеки проблемы обычно начинаются в следующих случаях:

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Все это чревато либо повышением тарифа, либо вообще отказом в страховании.

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Если вы сможете минимизировать подобные проблемы для клиента, то ваша репутация, а, соответственно, и клиентский круг, будут расти.

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Ситуация из практики

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Клиентка возрастом около 50 лет, остаток по кредиту почти 10 млн рублей. Стоимость полиса достаточно серьезная. Что можно сделать в данном случае?

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Ипотеку заемщица оформляла через несколько дней после своего дня рождения. В итоге полис страхования имущества продлили день в день, а вот по страхованию жизни пролонгацию сделали за неделю до окончания предыдущего договора страхования. Таким образом мы сэкономили клиентке почти 6000 рублей, так как на момент заключения договора женщина, формально, была на год младше.

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Самое интересное, что сама она является владелицей небольшого брокерского агентства, но ипотеку теперь страхует только у меня.

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Этот случай показывает, насколько важно учесть все мелочи перед тем, как начать оформлять полис. Но не стоит тщательный анализ путать с простой подгонкой данных под нужный результат. Любая заведомо недостоверная информация, указанная в договоре при его заключении, – удобный повод для Страховщика отказать в выплате при страховом случае. 

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Клиент потеряет деньги, а вы – репутацию и потенциальных клиентов в будущем.

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Итог

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Продавая любой товар, в том числе и страхования, вы прежде всего продаете себя, свои знания и опыт. И расширение вашей клиентской базы напрямую связано с тем, насколько хорошо вы это делаете.

Как оформить ипотечный полис на Пампаду за 1 минуту ? читайте в блоге

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Существует более ста видов страхования, причем большинство из них предназначено именно для защиты бизнеса. Разбираемся стоит ли агенту осваиваться на этом рынке или рентабельнее наращивать клиентскую базу среди физических лиц?

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ЧТО ТАКОЕ КОРПОРАТИВНОЕ СТРАХОВАНИЕ

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Фактически это комплекс услуг, направленных на снижение финансовых рисков предприятия. Причем неважно, крупного завода или маленькой мастерской. Потерять производство вследствие пожара одинаково страшно для тех и для других. Ваша задача – подобрать оптимальную программу для конкретного бизнеса, с учетом всех, характерных именно для него, нюансов. Причем отличаться может и количество договоров, и наполнение.

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Любая программа страховой защиты, по сути, конструктор, собранный из модулей-договоров. Причем они так же могут отличаться друг от друга при внешней схожести.

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 Приведем пару примеров:

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1. Две организации, занимаются переработкой пластиковых отходов. Внешне все абсолютно идентично: бетонные коробки корпусов, оборудование, на складе сырье и готовая продукция. Вот только чтобы полностью «закрыть» риски первого из них достаточно трех полисов, а второму понадобится 7-8. 

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2. Два договора по строительно-монтажным рискам. В первом достаточно стандартного покрытия, а во втором дополнительно включены судебные издержки Страхователя, монтируемое оборудование, как имущество, и возможные убытки при его пусковых испытаниях. А изначально оба они ‒ договора СМР.

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Возможно этим, в первую очередь, корпоративное страхование и отличается от розничного – большим количеством видов страхования и вариантов самих договоров. При этом порядок цифр здесь совсем другой, нежели при работе с физическими лицами. Одно дело оформить полис на дом, пусть даже стоимостью десять-двадцать миллионов, совсем другое - застраховать торговый центр на миллиард.

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ЧТО МОЖНО ЗАСТРАХОВАТЬ НА PAMPADU.RU

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Практически все, от хомячков до спутников. Причем, когда речь идет о хомячках, то возможны, как минимум, два варианта:

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Наиболее распространенный пакет страховых услуг включает в себя следующие виды:

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При грамотном подходе только по одному из них может быть заключено несколько договоров:

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А при страховании имущества в одном случае будет уместно расширить страховое покрытие включив в него риск «бой стекол», а в другом «рефрижераторные риски».

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Все зависит от конкретной ситуации, специфики деятельности вашего клиента и, конечно, от вашей компетенции, от того, что и насколько аргументированно вы сможете ему предложить.

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СКОЛЬКО МОЖНО ЗАРАБОТАТЬ НА КОРПОРАТИВНОМ СТРАХОВАНИИ

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Зависит только от вас. Хороший полис КАСКО на 1 автомобиль может принести вам тысяч 30-40, при страховании парка организации можно заработать в 5-6 раз больше. Иногда размер агентского вознаграждения доходит до сотен тысяч с одной только сделки. Конечно, эти же суммы возможно заработать на рознице. Представляете сколько для этого нужно оформить полисов ОСАГО, ипотеки и застраховать домиков? 

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Да, корпоративные договора сложнее в оформлении, сборе документов, согласовании и т.д., но пролонгация на следующий год делается почти автоматически. А вот ваш доход от них остается на прежнем уровне.

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КАК ПРОДАТЬ СВОЮ КОМПЕТЕНТНОСТЬ

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Один из клиентов как-то сказал мне: «Я знаю, чего я хочу, но не знаю, как это называется». То, что он «хотел», нашли очень быстро, договор подписали. Наше сотрудничество продолжается более 13 лет, сейчас предприятие тратит на страхование больше трехсот тысяч в год.

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После этого я не раз убеждалась, что многие действительно находятся в подобной ситуации – люди хотят максимальной безопасности для своего бизнеса, но очень часто:

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Вот здесь вы им и пригодитесь.  Профессиональный страховщик чем-то похож на врача – он должен собрать всю информацию и поставить «диагноз» ‒ сформировать оптимальную программу страховой защиты. В итоге выигрывают все: бизнесмен обезопасил себя финансово, вы – заработали деньги и репутацию. А также его дальнейшие рекомендации и новых партнеров.     

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ГДЕ ИСКАТЬ КЛИЕНТОВ

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Естественно, прежде всего, в своем компьютере. Наверняка среди тех, кому вы страхуете автомобиль по ОСАГО, есть предприниматели, которые доверят вам и свое имущество. Или сотрудники предприятий, которые могли бы дать необходимые рекомендации перед своим руководством. Если вы не предложите им свои услуги в этом направлении, то можете столкнуться с тем, что ОСАГО они страхуют у вас, а все остальное – у другого агента.

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В качестве подтверждения пример из моей практики: после пожара в торговом центре от копоти пострадало имущество одного из арендаторов. Ему порекомендовали обратиться ко мне. Итог: я действительно не знаю у кого он страхует автомобиль, но сеть его торговых точек с товарными запасами почти на 80 000 000 рублей, застрахована у меня. Поверьте, это гораздо интереснее.     

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Начинать проще с малого бизнеса, точнее, совсем малого – небольшие магазинчики, арендованные точки в торговых центрах, туристические агентства, подрядные организации и т.д. И, постепенно набираясь опыта, ставить перед собой более серьезные задачи. Причем хорошим подспорьем в этом случае будут специалисты технической поддержки Пампаду, которые помогут:

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ПЕРСПЕКТИВЫ РЫНКА КОРПОРАТИВНОГО СТРАХОВАНИЯ

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Согласно статистическим данным, на 10.02.2022 г. в России зарегистрировано более 2 300 000 юридических лиц и 3 500 000 индивидуальных предпринимателей. Практически все они, так или иначе, сталкиваются с необходимостью страховаться. Например ОСАГО – обязательный вид, от которого никуда не деться. Но одно дело оформлять полисы поштучно и, совсем другое, заключить договор на целый парк машин на 200-300. Или залоговое имущество, которое заемщики обязаны страховать в обязательном порядке по требованию банка. 

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По словам Заместителя ГУ Банка России по ЦФО Ирины Тимоничевой, в декабре прошлого года кредитный портфель МСП по России составлял 6,6 триллиона рублей. И, по ее мнению, динамика объемов кредитования будет расти. А значит будет увеличиваться и число тех, кому вы можете быть полезны.     

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Вообще страховой бизнес можно сравнить с океаном.  Вы можете сидеть на пирсе и ловить на удочку мелкую рыбешку, или пуститься в плавание, охотясь за крупной рыбой.  Причем, вполне вероятно, она одна перевесит весь ваш улов за несколько дней.

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Так и здесь: можно изучить ОСАГО, КАСКО, ипотеку и, стараясь заработать, постоянно увеличивать количество оформленных полисов. Давать объявления, раскидывать визитки и т.д. Другой способ ‒ освоиться в корпоративном страховании и ориентироваться на солидных партнеров, зарабатывая большие деньги за меньшее время.

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Какой из этих вариантов вам ближе – решайте сами. Но, поверьте, работать на результат гораздо приятнее, чем круглосуточно.

Оставьте заявку корпоративного страхования на Пампаду прямо сейчас! --> https://agents.pampadu.ru/

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Что является основным источником дохода для агента автострахования? То, что связано с автомобилями - ОСАГО и КАСКО. Разница между этими видами страхования, где брать клиентов и сколько можно заработать.

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ОСАГО и КАСКО – РАЗНЫЕ ВИДЫ СТРАХОВАНИЯ

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Сравнивать их можно с тем же успехом, как кирпич с яблоком.

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ОСАГО к вашему автомобилю не имеет никакого отношения. Заключая этот договор, вы страхуете свою ОТВЕТСТВЕННОСТЬ перед теми, кому можете причинить вред, находясь за рулем. Этот вид страхования является обязательным и все, что его касается, четко регламентировано законодательством.

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Другое дело КАСКО, вот это как раз и есть полис, который обеспечивает защиту вашего авто, причем вне зависимости от того, являетесь в виновником в ДТП или нет, упало на вашего железного коня дерево или вы на трассе столкнулись с лосем, все это может быть включено в страховое покрытие.

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Единственное, что их объединяет, они оба связаны с автомобилями.

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ЛИМИТЫ ВЫПЛАТ И СТРАХОВЫЕ СУММЫ

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Допустим у вас автомобиль, которому уже несколько лет, и вы пострадали в ДТП. На что вы можете рассчитывать в том или другом случае?

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По ОСАГО законодательством установлены жесткие размеры выплат, как по имуществу (400 000 р. по каждому пострадавшему авто в том числе), так и по вреду, причиненному здоровью (до 500 000 р.). И платить, я повторюсь, будут не вам, а тем, кто пострадает по вашей вине.

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По КАСКО все гораздо интереснее. Страховая сумма по застрахованной машине устанавливается, как правило, в размере ее рыночной стоимости. И выгодоприобретателем в данном случае будет собственник автомобиля, причем независимо от степени его вины в произошедшей ситуации. Кроме этого, в полис КАСКО часто включают страхование пассажиров от несчастного случая или ДСАГО, которое позволяет увеличить размер выплат по ОСАГО для автовладельца. Размер страховой суммы при этом так же устанавливается индивидуально.

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ВОЗМЕЩЕНИЕ УЩЕРБА

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Иногда клиенты, попавшие в ДТП, спрашивают, по какому из полисов лучше обратиться? Самое главное отличие между полисом ОСАГО и КАСКО это то, что в первом случае стоимость запчастей вам рассчитают в соответствие с методикой РСА и обязательно учтут их амортизацию, а во втором вы просто получите направление на ремонт к дилеру (если машины на гарантии) или в один из автосервисов, с которым у страховой компании заключен договор. Причем в этом случае вам абсолютно все равно в каком размере Страховщик перечислит ремонтникам денежные средства. Можно возразить: «По ОСАГО сейчас так же направляют на ремонт». Да, но в этом случае велик риск того, что либо автосервис выставит счет на доплату вам, либо будет месяцами согласовывать стоимость того ремонта со страховой компанией». Или получится так, что ущерб, причиненный вашему авто, превышает размер страхового возмещения, а в этом случае придется взыскивать разницу с виновника. Процесс это может затянуться надолго и, зачастую, не дать никаких результатов.

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ОСНОВНЫЕ ОТЛИЧИЯ КАСКО И ОСАГО

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ОСАГОКАСКО
Обязательный вид страховаяДобровольный вид страхования
Страхуется ответственность автовладельца (Страхователя) перед третьими лицамиСтрахуется автомобиль, принадлежащий Страхователю
Тарифы и размеры страхового возмещения четко регламентируются Федеральным законодательствомТарифы устанавливает страховая компания, страховая сумма обычно равна рыночной стоимости автомобиля
Франшиза не устанавливается ни при каких случаяхДопускается включение различных видов франшиз
При расчете страхового возмещения на ремонт автомобиля используется Единая методика РСА и учитывается его амортизация.Автомобиль направляют на СТО, ремонт в полном объеме оплачивает страховая компания
Компенсируется ущерб, вызванный исключительно ДТП (наездом автомобиля виновника, причем неважно пострадает при этом ваша машина, дом с забором или вы сами при переходе дороги)Полный пакет рисков включает в себя кроме ДТП ущерб от стихийных бедствий, пожар, столкновение с животными и т.д. Возможно включение страхования от несчастного случая и расширение страхового покрытия по автогражданке.
Максимальный период действия страхового полиса 1 годДопускается заключение Генерального договора с ежегодной или единовременной оплатой страховой премии. Такой вариант чаще всего встречается при страховании кредитных или лизинговых автомобилей
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ДОХОД АГЕНТА НА КАСКО и ОСАГО

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Комиссия агента однозначно зависит от нескольких факторов:

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1.  Объем собранных денежных средств

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2.  Размер агентского вознаграждения, которое готова вам выплачивать страховая компания.

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По ОСАГО размер КВ в среднем составляет 10-15%, по КАСКО от 10% до 35%. Простая математика – даже 10% от пяти тысяч рублей и от ста тысяч это совсем разные деньги. Причем сто тысяч – это не предел, в моей практике были полисы стоимостью более 300 000 рублей, а по генеральному договору одна организация заплатила больше миллиона. Поэтому на вопрос «Сколько можно заработать?» ответ будет тот же, что и всегда: все зависит от вас, от того насколько активно вы будете работать и как будете сопровождать клиента во все время действия полиса, заключенного с вашей помощью.

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ПОТЕНЦИАЛЬНЫЕ КЛИЕНТЫ НА СТРАХОВАНИЕ КАСКО

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· Владельцы кредитных автомобилей. Обязанность страховать КАСКО для них так же установлена законом и прописана в кредитном договоре. Первый полис им оформляют, как правило, прямо в автосалоне, а его пролонгацию через год можете сделать уже вы.

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· Однозначно те, кто уже страхует у вас ОСАГО. Иногда люди заранее считают, то КАСКО – это дорого. Предложите им сделать тестовый расчет и, вполне вероятно, что какой-либо из предложенных вариантов их заинтересует. Пример из практики:

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Клиент приобрел автомобиль стоимостью почти три миллиона рублей, сделали пробный расчет и оформили КАСКО всего за сорок тысяч. Через несколько месяцев он попал в ДТП. Стоимость ремонта у дилера обошлась Страховщику почти в два миллиона. Теперь он не только сама страхуется каждый год, но и рекомендует меня своим друзьям.

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СТРАХОВАНИЕ КАСКО НА ПАМПАДУ

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Чем удобна онлайн-платформа при страховании КАСКО:

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· Возможность оформления полиса в любом регионе России.

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· Сравнение и выбор оптимального предложения из 22 страховых компаний одновременно.

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· Экономия времени. Вам нужно найти клиента, уточнить пожелания по условиям и бюджету, 1 раз подать заявку, передать документы и пожелания сопровождающему менеджеру и все расчеты он сделает за вас. А вы в это время можете работать со следующим автовладельцем, расширяя свою клиентскую базу и увеличивая свой доход.

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· Экспертная поддержка. Менеджер расчета не только поможет сделать расчеты, но и подскажет способы экономии. Проконсультирует по особенностям условий страхования, осмотра и урегулирования убытков у разных СК.

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Подробнее о том, как оформить КАСКО на Пампаду, — читайте в нашей инструкции.

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ОФОРМИТЬ КАСКО ИЛИ ОСАГО НА ПАМПАДУ ? https://agents.pampadu.ru/

\n', 'КАСКО или ОСАГО? В чём разница для агента автострахования', '? Работа агента автострахования. Разница между КАСКО И ОСАГО, где брать клиентов и сколько можно заработать. Подробнее в статье ?', 'publish', 'open', 'open', '', 'kasko-ili-osago-v-chyom-raznitsa-dlya-agenta-avtostrahovaniya', '', '', '2022-03-02 08:38:18', '2022-03-02 08:38:18', '', 0, 'https://pampadu.ru/blog/?p=1249', 0, 'post', '', 0), (1250, 13, '2022-03-02 08:32:28', '2022-03-02 08:32:28', '', 'агент автострахования', '', 'inherit', 'open', 'closed', '', '1038x498-4', '', '', '2022-03-02 08:32:28', '2022-03-02 08:32:28', '', 1249, 'http://pamtest.ru/wp-content/uploads/2022/03/1038x498.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (1254, 1, '2022-03-03 12:12:22', '2022-03-03 12:12:22', '\n

Привет, коллеги! ?

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Мы открыли продажи КАСКО от 22 страховых компаний для всех своих пользователей ?

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? КАСКО в силу своей сложности имеет офлайн составляющую. На нашем калькуляторе вы сможете:

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— сделать предрасчеты с минимумом данных о транспортном средстве и страхователе,
— сравнить предложения ведущих страховщиков и выбрать оптимальное,
— подать заявку на оформление полиса.

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? Далее мы свяжемся с вами и уточним детали, запросим документы, поможем оперативно согласовать условия страхования и при необходимости дату осмотра. А после этого выставим счет на оплату и начислим вознаграждение.

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Новый продукт уже смогли оценить и опробовать в работе несколько тысяч агентов. Вместе с ними мы совершили первые продажи, отточили все процессы и теперь с радостью презентуем всем вам.

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Переходите в кабинет и пробуйте делать расчеты. Сравнивайте предложения и подавайте заявки на оформление. Успешных вам продаж!

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С любовью к своему делу,
Команда Пампаду ?

\n', 'КАСКО доступно на Пампаду!', 'Мы открыли продажи КАСКО от 22 страховых компаний для всех своих пользователей ?', 'publish', 'open', 'open', '', 'kasko-dostupno-na-pampadu', '', '', '2022-03-03 12:12:22', '2022-03-03 12:12:22', '', 0, 'https://pampadu.ru/blog/?p=1254', 0, 'post', '', 0), (1255, 13, '2022-03-03 12:11:59', '2022-03-03 12:11:59', '', 'каско пампаду', '', 'inherit', 'open', 'closed', '', '1039x498-5', '', '', '2022-03-03 12:11:59', '2022-03-03 12:11:59', '', 1254, 'http://pamtest.ru/wp-content/uploads/2022/03/1039x498.jpg', 0, 'attachment', 'image/jpeg', 0), (1257, 1, '2022-03-03 15:19:04', '2022-03-03 15:19:04', '\n

? Было определено 75 победителей с помощью рандомайзера. Деньги уже зачислены в личном кабинете и доступны к выводу. Победители получили письмо на e-mail, скорее проверяйте!

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С теми, кто выиграл сертификаты «Ozon» свяжемся отдельно чуть позже.

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? Не расстраивайтесь, если вам в этот раз не повезло, впереди ещё огромное количество акций и розыгрышей!

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Благодарим всех за участие, желаем хороших продаж и спасибо, что выбрали Пампаду! ?

\n', 'Результаты розыгрыша 150.000 рублей в честь дня рождения Пампаду! ?', '? Было определено 75 победителей с помощью рандомайзера. Деньги уже зачислены в личном кабинете и доступны к выводу', 'publish', 'open', 'open', '', 'rezultaty-rozygrysha-150-000-rublej-v-chest-dnya-rozhdeniya-pampadu', '', '', '2022-03-03 15:19:04', '2022-03-03 15:19:04', '', 0, 'https://pampadu.ru/blog/?p=1257', 0, 'post', '', 0), (1258, 13, '2022-03-03 15:18:14', '2022-03-03 15:18:14', '', 'результаты розыгрыша пампаду', '', 'inherit', 'open', 'closed', '', '1039x498-2-3', '', '', '2022-03-03 15:18:14', '2022-03-03 15:18:14', '', 1257, 'http://pamtest.ru/wp-content/uploads/2022/03/1039x498-2.jpg', 0, 'attachment', 'image/jpeg', 0), (1260, 1, '2022-03-04 11:45:19', '2022-03-04 11:45:19', '\n

Привет, коллеги! ?

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✨ В этом году мы подумали о том, чтобы запустить программу для страховых брокеров. Мы ищем крупных агентов, которые продают от 100 полисов в месяц и готовы дать эксклюзивное предложение прописанное в договоре на долгий срок.

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Что получат крупные партнеры:
— Эксклюзивные комиссии - выше вы не получите ни в одном сервисе.
— Вип поддержку - первые узнавать о предстоящих изменениях.
— Решение всех вопросов напрямую с руководителями Пампаду.
— Закрытые предложения и акции.
— Возможность влиять на продукт - обсуждение нового функционала и внесение предложений по улучшению сервиса.

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Заполните форму по ссылке чтобы подать заявку на рассмотрение ? https://forms.gle/dyPX5jNpxMt5PhWZ7

\n', 'Ищем крупных брокеров. Даём эксклюзивные условия работы', 'В этом году мы подумали о том, чтобы запустить программу для страховых брокеров. Мы ищем крупных агентов', 'publish', 'open', 'open', '', 'ishhem-krupnyh-brokerov-dayom-eksklyuzivnye-usloviya-raboty', '', '', '2022-03-04 11:45:19', '2022-03-04 11:45:19', '', 0, 'https://pampadu.ru/blog/?p=1260', 0, 'post', '', 0), (1261, 13, '2022-03-04 11:44:35', '2022-03-04 11:44:35', '', 'ищем крупных брокеров', '', 'inherit', 'open', 'closed', '', 'p1038x498', '', '', '2022-03-04 11:44:35', '2022-03-04 11:44:35', '', 1260, 'http://pamtest.ru/wp-content/uploads/2022/03/p1038x498.jpg', 0, 'attachment', 'image/jpeg', 0), (1265, 1, '2022-03-09 12:56:16', '2022-03-09 12:56:16', '\n

? Привет, коллеги! Хотим рассказать вам, что мы сделали за месяц на платформе Пампаду. Сейчас наша цель НЕ снижать размер вознаграждений, запускать новые продукты и максимально увеличивать частоту и количество одобрений по продукту ОСАГО. В Марте будет несколько сюрпризов.

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Итак, по-порядку:

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? Немного цифр февраля:

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12,3 млн ₽ - заработали пользователи
2823 - Новых регистраций
344 - агента начали продавать Ипотеку
274 тыс. ₽- Заработал один агент
122 заявки получено на корп. страхование
293 заявки на оформление КАСКО
150 тыс. ₽ - разыграли в акции

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⚙️ Технические изменения и новые продукты:

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  1. Запустили все виды корпоративного страхования для юрлиц в 12 страховых компаниях. Подайте заявку в личном кабинете (https://agents.pampadu.ru/#/app/corp)2. Открыли продажи КАСКО от 22 страховых компаний на всех пользователей. Быстрый онлайн расчет в личном кабинете. (https://agents.pampadu.ru/#/app/kasko) Плюс одна возможность для заработка агента
  2. Перезапущены продажи ОСАГО от СК Астро-Волга! Компания принимает автомобили категории B из 14 регионов
  3. Запущена продажи ОСАГО в Zetta - 35 открытых регионов.
  4. Повышено КВ:
    «АльфаСтрахование» в Тюменской области
    «Согласие» в Псковской области
  5. Открыты регионы для продажи нового ОСАГО от «Ренессанс»: Свердловская область, Казань (Только город), Челябинск (Только город)
  6. Реализованы доработки улучшающие одобрение по ОСАГО:
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▶️ Статьи и видео:

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Мы активно пишем и обучаем. Вот что вы могли пропустить:

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  1. Запись вебинара по Ипотечному страхованию - смотреть тут
  2. Каско и ОСАГО в чем разница для агента - читать тут
  3. Корпоративное страхование - голубой океан - читать тут
  4. Как застраховать ипотеку агенту - читать тут
  5. Где искать клиентов страховым агентам - читать тут
  6. Как стать страховым агентом - читать тут
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Продолжаем работать дальше. Заходите и пробуйте, мы меняемся каждый день!

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С любовью к своему делу,
Команда Пампаду ?

\n', 'Дайджест Пампаду за февраль 2022', 'Хотим рассказать вам, что мы сделали за месяц на платформе Пампаду.', 'publish', 'open', 'open', '', 'dajdzhest-pampadu-za-fevral-2022', '', '', '2022-03-09 12:56:16', '2022-03-09 12:56:16', '', 0, 'https://pampadu.ru/blog/?p=1265', 0, 'post', '', 0), (1266, 13, '2022-03-09 12:55:31', '2022-03-09 12:55:31', '', 'новости пампаду', '', 'inherit', 'open', 'closed', '', '1039x498-3-2', '', '', '2022-03-09 12:55:31', '2022-03-09 12:55:31', '', 1265, 'http://pamtest.ru/wp-content/uploads/2022/03/1039x498-3.jpg', 0, 'attachment', 'image/jpeg', 0), (1270, 15, '2022-03-14 14:23:16', '2022-03-14 14:23:16', '\n

Сегментация по ОСАГО — серьезное испытание для агентов автострахования. Почему ее вводят и когда рынок нормализуется. Как сохранить и увеличить продажи в этой ситуации.

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Жесткая сегментация. Плохая проходимость

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Осаго всегда было для страховых компаний убыточным видом страхования. Средняя стоимость полиса невелика, а ущерб иногда составляет сотни тысяч. Цены на запчасти и расходы на ремонт растут, а стоимость полиса почти не меняется.

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Смотрите, как менялась средняя стоимость полиса автогражданки за последние пять лет: 

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2017 г. — 5817 руб. 

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2018 г.- 5800 руб. 

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2019 г. — 5423 руб. 

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2020 г. — 5437 руб.

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2021 г. — 5581 руб.

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Ни один бизнес не хочет и не может работать себе в ущерб. А сейчас ситуация окончательно усложнилась из-за ряда объективных причин. К этому привело совпадение нескольких факторов:

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— Вызванный сложившейся ситуацией резкий и непредсказуемый рост цен на запчасти для автомобилей

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— Отказ от системы «Е-Гарант» и введение перестраховочного пула

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— Планы увеличить размер выплат по жизни и здоровью

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— Отмена учета износа деталей при расчете ущерба автомобилю при ДТП

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Причем только последние два пункта, по мнению РСА, вызовут повышение цены полиса в среднем на 60-80%.

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Логично, что в этих условиях страховые компании предпочтут занять выжидательную позицию. Никто не знает, насколько пропорционально будут расти сборы по ОСАГО и расходы Страховщиков на выполнение обязательств по этим договорам.

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Все они хотят одного — снизить вероятность убытков в будущем. Самый надежный способ — отказаться от убыточных клиентов. Варианты решения этих проблем каждая страховая компания ищет по-своему: закрывают убыточные регионы, ужесточают сегментацию и требования к стажу и возрасту водителей, прекращают работать по ОСАГО. Некоторые отрабатывают только безубыточную пролонгацию и не берут новый бизнес.

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На рынке автострахования это не впервые. Несколько лет назад, чтобы снизить продажи полисов, страховщики прекращали платить агентам комиссию.

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В законодательство внесли изменения, тарифы поменялись. Вернулось агентское вознаграждение. В итоге выиграли те, кто адаптировался к ситуации и сохранил клиентскую базу.

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Вероятно, теперь будет так же. Изменения в законе об ОСАГО уже обсуждаются, так же как и новая методика расчета страхового возмещения. Возможно, после внесения в ФЗ очередных поправок, сегментация исчезнет или станет гораздо мягче. Поэтому сейчас период, когда нужно интенсивно поработать над тем, чтобы выйти из ситуации с минимальными потерями. В идеале — увеличить число своих клиентов и нарастить объем продаж.

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Наращивание продаж в условиях жесткой сегментации

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Сегментация для рынка страхования как ветер на море. Чем жестче требования, тем сильнее дует и раскачивает лодку. Один при сильном ветре пойдет ко дну, а другой — поставит парус и, набирая скорость, помчится дальше. Второй вариант гораздо предпочтительнее. Ставим «паруса». 

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1. Мотивация для клиентов

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— Рост цен. Увеличение стоимости запчастей и расходов на ремонт однозначно скажется и на тарифах страховых компаний. Как по ОСАГО, так и по КАСКО.

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— Центробанк получил право менять стоимость ОСАГО несколько раз в год. Маловероятно, что она будет снижаться.

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— Нестабильность ситуации. Может получиться так, что, когда подойдут сроки оформления автогражданки, вы попадете в «не сегмент» и сделать это будет гораздо сложнее. Или возникнут проблемы с работой, снизятся доходы. Без ОСАГО на свой страх и риск, ездить, конечно, можно. Но если при этом вы повредите чужую машину, то оплата ремонта ляжет на ваши плечи.

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— Из-за ужесточения сегментации увеличилось количество незастрахованных водителей. Если по вине кого-то из них пострадает ваш автомобиль, то расходы на ремонт придется взыскивать с виновника дтп. Практика показывает, что это не всегда возможно даже по суду. Почему бы не оформить полис КАСКО, хотя бы «облегченный» вариант, именно на такой случай.

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— С 1 апреля поменяется коэффициент бонус-малус. Для автолюбителей с безубыточным стажем менее трех лет, КБМ снизится. Для неопытных водителей и виновников ДТП, наоборот, подрастет. При этом речь не о только тех. кто стал виновником ДТП в этом году. Поэтому кто-то из них выиграет, если сделает пролонгацию апрельских полисов уже сейчас.

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2. Новый бизнес

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Рост продаж напрямую связан с увеличением количества клиентов. И ограничения, установленные Страховщиками, в чем-то будут даже полезны. 

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Страховые компании закрывают убыточные регионы, отказываются от рискового сегмента и т.д. При этом речь идет, в основном, о новом бизнесе. Безубыточная пролонгация приветствуется многими. Некоторые компании, например ВСК, Ренессанс, Согласие и т.д., приветствуют переход безаварийных клиентов других Страховщиков. Этим стоит воспользоваться.

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Стоимость полиса для одного и того же водителя в разных страховых компаниях не одинакова. Предлагаем свои услуги. Экономия средств — весомый аргумент для привлечения новых клиентов.

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Ну, а автовладельцам, которые отчаялись оформить полис самостоятельно, предложите сделать это через Е-Гарант. При этом выиграете оба: человек получит страховку, а вы — нового клиента и рекомендации.

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3. Перекрестные продажи

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ОСАГО — не единственный вид страхования, который есть на свете. Самое время сейчас и для досрочной пролонгации полисов КАСКО. Многие при покупке авто в кредит, страхуются в автосалоне. Пока действуют кредитные обязательства, остается и обязанность страховаться. Цены на КАСКО уже поползли вверх, сегодня при расчете калькулятор показал две цифры:

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— 28101 р. с учетом пролонгации и премии прошлого года

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— 45324 р. по текущим тарифам.

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Учтите:

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— При оформлении полиса в той же компании, где клиент страховался раньше, при безубыточном страховании и оформлении нового полиса \"день в день\" с предыдущим, осмотр не требуется.

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— Высока вероятность сохранения страховой премии прошлого года. Насколько сохранится этот бонус говорить сложно, поэтому надолго откладывать оформление КАСКО на залоговый автомобиль не стоит.

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И здесь пригодится то, что Пампаду работает по КАСКО с двадцатью двумя страховыми компаниями. Это увеличивает шансы на \"салонную\" пролонгацию вашими руками.

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КАСКО стоит предлагать и тем, кто не связан условиями кредитного договора. Не решайте за клиента, по карману ему эта услуга или нет. В условиях, когда далеко не каждый оформляет договор ОСАГО, эта страховка может очень пригодиться. К тому же есть «облегченные» варианты защиты автомобиля. Например, Каско-профи у РЕСО-гарантии, рассчитан на тот случай, когда у виновника ДТП не застрахована автогражданка. Моим клиентам он очень нравится.

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Судите сами: годовалая тойота-королла, полис стоимостью чуть больше семи тысяч рублей включает в себя:

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— Ремонт у дилера со страховой суммой 1 900 000 рублей,

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— Услуги эвакуатора,

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— Услуги аварийного комиссара.

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4. Пролонгация

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Самый большой и надежный «парус» вашего корабля. Без нее развитие продаж невозможно. Это все равно, что носить воду решетом. О пролонгации нельзя забывать ни в коем случае. Особенно теперь, в условиях жесткой конкуренции. Иначе пока вы привлекаете новых клиентов, кто-то сработает с вашими.

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— Проверьте у кого в ближайшие месяц-два заканчивается срок действия автогражданки.

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— Напомните им об этом и о себе: обзвоните, разошлите смс и т.д.

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— Убедите сделать пролонгацию пораньше, так как при этом увеличивается вероятность прохождения полиса и снижения затрат при оформлении.

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Пролонгация на Пампаду

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Чем меньше времени затрачивается на оформление пролонгации, тем больше остается для привлечения новых клиентов. Пампаду это понимает и создает условия наиболее комфортные и продуктивные для агентов. Не нужно вести базу вручную, ставить себе напоминалки, снова вводить информацию по клиенту. Все это есть в личном кабинете:

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— Фильтр «Нужно продлить» покажет договора, которые готовы для пролонгации,

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— Дашборд на главной странице напомнит о пролонгации в ближайшее время, даже если вы забыли проверить данные вручную,

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— Кнопка «Пролонгировать» на полисах, до окончания которых осталось менее 60 дней, автоматически подтянет сведения, останется только сделать расчет на следующий год и отправить предложение клиенту.

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Заработать можно сейчас, но можно это сделать и в перспективе. Сегодня вы оформите полис клиенту с минимальным доходом для себя. Кто знает, что он будет страховать у вас завтра?

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Автогражданка никогда не приносила прибыли Страховщикам. Почему же от нее не отказываются? Требование государства? С одной стороны да, закон есть закон. Дело в другом.

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Когда я работала штатным сотрудником страховой компании, ОСАГО ценили за возможность начать общение с клиентом. Так или иначе, выбора у автовладельцев, нет. У каждого из них есть дом или квартира, возможно бизнес и т.д. Разговор гораздо проще продолжить, чем начать. Больше клиентская база — шире возможности, которые откроются перед вами в будущем. Поэтому именно сейчас не стоит опускать руки и не отказываться проблемных клиентов. Ищите новых и не теряйте пролонгацию. Пусть даже без комиссии — это работа на перспективу.

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А Пампаду вам в этом поможет! Переходите в кабинет ---> https://agents.pampadu.ru/#/app/

\n', 'Как агенту наращивать продажи в условиях жесткой сегментации', '? Сегментация по ОСАГО — серьезное испытание для агентов автострахования. Почему ее вводят и когда рынок нормализуется. Как сохранить и увеличить продажи в этой ситуации.', 'publish', 'open', 'open', '', 'kak-narashhivat-prodazhi-v-usloviyah-zhestkoj-segmentatsii', '', '', '2022-03-14 14:23:16', '2022-03-14 14:23:16', '', 0, 'https://pampadu.ru/blog/?p=1270', 0, 'post', '', 0), (1271, 13, '2022-03-14 14:21:41', '2022-03-14 14:21:41', '', 'как наращивать продажи страховому агенту', '', 'inherit', 'open', 'closed', '', '1039x498-6', '', '', '2022-03-14 14:21:41', '2022-03-14 14:21:41', '', 1270, 'http://pamtest.ru/wp-content/uploads/2022/03/1039x498-1.jpg', 0, 'attachment', 'image/jpeg', 0), (1276, 1, '2022-03-15 11:56:48', '2022-03-15 11:56:48', '\n

Коллеги, хотим обратить внимание, что все выплаты в Пампаду происходят в штатном режиме и напомнить вам, какие способы есть и какой из них самый быстрый и выгодный.

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Вариант 1. Самозанятые пользователи Пампаду получают денежные средства моментально себе на карту сразу после оформления запроса в личном кабинете. Также мы компенсируем вам +6%. Таким образом вы получаете ко всем выводам дополнительные денежные средства на оплату налога и даже больше. Тут можно почитать и посмотреть видео, как за 11 минут стать самозанятым и сразу получить выплату: ? Как перейти на режим быстрых выплат и зарегистрироваться в качестве самозанятого | База знаний

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Вариант 2. Физические лица оформляют запрос за вывод, который осуществляется в течение 1-15 рабочих дней. Это не так выгодно и быстро как для самозанятых, поэтому рекомендуем выбирать вариант 1. Вы всегда можете обратиться в чат тех. поддержки, чтобы вернуть на баланс средства, которые находятся в процессе выплаты, откуда вы сможете моментально их вывести уже как самозанятой.

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Вариант 3. Юридические лица ООО и ИП один раз в месяц получают по электронной почте акт, который нужно подписать, после чего производится платеж. Сегодня-завтра всем кто работает в статусе ип/ооо будет сформирована выплата и отправлены акты. не забудьте их подписать.

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? Таким образом, для физических лиц самый выгодный и быстрый способ получения выплаты за продажи - это работа в качестве самозанятого. Уже больше 3 тыс. агентов убедились в этом. Остальные способы также работают в штатном режиме. По все вопросам выбора способа выплат вы можете обращаться в чат поддержки. Надеемся данная статья помогла вам :)

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С любовью к своему делу,
Команда Пампаду ?

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Коллеги, добрый день! ? Ранее в нашем Telegram-канале мы рассказали, что из себя представляет рынок корпоративного страхования. Ответили на такие вопросы как:

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Но самым главным вопросом, на который мы поможем ответить, остается:

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? Где и как искать клиентов?

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В первую очередь, конечно же, в своем окружении. Наверняка среди тех, кому вы страхуете автомобиль по ОСАГО, есть предприниматели, которые доверят вам и свое имущество.

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Или сотрудники предприятий, которые могли бы дать необходимые рекомендации перед своим руководством.

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Вам необходимо уведомить ваших клиентов и окружение о своей компетентности, что вы можете помочь в подборе лучшего варианта по запросу. Часто оказывается так, что ОСАГО страхуют у вас, а все остальное у другого агента.

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? Я только начинаю путь корпоративного страхования, с чего начать?

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Начинать проще с малого бизнеса, точнее, совсем малого – небольшие магазинчики, арендованные точки в торговых центрах, туристические агентства, подрядные организации и т.д. И, постепенно набираясь опыта, ставить перед собой более серьезные задачи.

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? Более подробно о возможностях корпоративного страхования вы можете прочитать тут

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? Наш реальный кейс агента, который заработал на страховании парка более 900 000 тысяч рублей тут

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Автострахование для корпоративных клиентов. Как повысить вероятность заключения полисов ОСАГО на несегментные автомобили юридических лиц и сделать более привлекательным для клиента договор КАСКО?

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ОСАГО для юридических лиц

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Процедура оформления полиса, что и при страховании физлица. Хотя некоторые нюансы все же присутствуют:

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 Из документов нам понадобятся:

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Не забудьте напомнить своему клиенту о необходимости прохождения техосмотра отменили только для физических лиц, которые пользуются своими авто в личных целях. Транспортные средства юридических лиц по-прежнему обязаны проходить эту процедуру. Если этого не сделать, последствия могут быть самыми разными, от штрафа на дороге до отказа в страховой выплате.

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КАСКО для юридических лиц

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Ряд предприятий страхует свои авто не только по ОСАГО, но и по КАСКО. В зависимости от того, для чего они это делают можно выделить три категории:

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1. Залоговые автомобили

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Если юридическое лицо при оформлении кредита в качестве залога использует свой транспорт, то банк обязательно потребует застраховать его по КАСКО. Выбора заключать договор страхования или нет у клиента не остается. Поэтому в большинстве случаев для него важно сколько будет стоить страховка и соответствие страховой компании требованиям банка. Поэтому сначала стоит определиться на сайте банка с перечнем аккредитованных страховщиков. После этого запрашиваем у предприятия необходимые документы:

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Делаем котировки по страховым компаниям из нашего списка и предлагаем клиенту оптимальный вариант. Чаще всего в этом случае юридическому лицу страхование КАСКО нужно исключительно по требованию банка. Поэтому можно предложить очень бюджетный вариант всего с двумя рисками: тотальная гибель и угон транспортного средства. Его стоимость будет существенно ниже полновесного варианта, но банк такой полис примет. Клиент будет доволен: и деньги сэкономил, и процентная ставка не изменилась.

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 2. Автомобили в лизинге

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Лизинговые автомобили юридическое лицо так же страхует в добровольно-принудительном порядке. Здесь требование исходит от лизинговой компании. Вроде бы ситуация похожа на предыдущую. Но есть существенное различие:

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Поскольку собственник сам вправе распоряжаться своим имуществом, вопросы страхования своего имущества лизингодатель очень часто решает сам. И требует только от юридического лицам, то агентское вознаграждение практически всегда уходит в лизинговую компанию. Тем не менее практика показывает, что работать с клиентом стоит все равно. Автомобили из лизинга выведут, а крепкие связи с ним останутся. Кроме того, можно использовать эти возможности для перекрестных продаж и продвижения других видов страхования.

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3. Добровольное страхование КАСКО юридического лица

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На что стоит обратить внимание, прежде чем начинать котировки:

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Страхование парков юридических лиц по КАСКО и ОСАГО

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Когда на страхование принимается несколько автомобилей, то лучше убедить клиента заключить Генеральный договор на страхование парка. Что это ему дает?

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В первую очередь лояльные условия страхования. Чем больше парк, тем больше скидка. На все автомобили, независимо от возраста и марки, устанавливается единый тариф и одни условия страхования. Полисы оформляются в течение года и клиент может спокойно планировать свои расходы. Так же в общий перечень можно включить и личные автомобили сотрудников предприятия. Основанием для этого служит договор аренды между его владельцем и организацией-страхователем. Некоторые страховые компании это допускают. При этом страхователем выступает предприятие, а выгодоприобретателем – собственник автомобиля.

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При работе с парком юридического лица по КАСКО, стоит сразу говорить и о страховании ОСАГО. В этом случае страховщики охотнее идут на встречу, и вы получаете гарантии того, что не придется целый год зависеть от изменений в сегментации по автогражданке. Договор подписывается обеими сторонами и список ТС прикладывается к нему.

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Фишки при страховании КАСКО и ОСАГО юридических лиц

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Парк предприятия – лакомый кусок для любого агента и конкуренты не дремлют. Что можно сделать, чтобы удержать клиента?  По ОСАГО условия регламентированы законом и разницы в стоимости полиса между Страховщиками практически нет. Поэтому очень важно не столько оформление полисов и их цена, сколько сопровождение. Помощь при обращении за возмещением ущерба, восстановление КБМ и т.д.

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По КАСКО многое зависит и от того, насколько качественный договор вы сможете предложить за минимальную цену. На чем можно сэкономить:

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  1. Льготная франшиза – не применяется, не применяется, если владелец авто не виноват в повреждении автомобиля и виновник найден;
  2. Франшиза со второго случая – при первом обращении в страховую компанию она не включается, ремонт оплачивается полностью.
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И опять возвращаемся к теме сопровождения договоров. Заключая договор страхования, клиент рассчитывает получить по нему деньги на ремонт, если что-то случится. Поэтому не отказ в выплате его точно не обрадует и не укрепит ваших отношений.  Поэтому обязательно при обращении в страховую компанию проверяем пакет документов на соответствие условиям полиса. Иначе небольшой камушек может стоить вам потери крупного предприятия. Пример из практики:

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Клиент три года подряд страхуется в одной и той же компании. КАСКО на авто стоило больше 300 000 рублей, с учетом всевозможных скидок. В том числе по возрасту и стажу лиц, допущенных к управлению. На третьем году страхования в лобовое стекло прилетел камушек и по нему пошла трещина. Человек обратился в компанию. Вместо направления на ремонт к дилеру, он получил отказ. Бывшие коллеги рассказывали, что его \"львиный рык\" был тогда слышен на соседней улице. Не удивительно, что больше там его не видели.

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Дело в том, что менеджер, который заключал этот договор, уволился. Новые сотрудники делали пролонгацию «автоматически», сильно в договор не вникали. Владелец предприятия-страхователя, забыл об оговорках, подал документы. Среди них и права водителя, который был в тот момент за рулем. А по условиям договора его стаж должен был быть не менее десяти. 

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Представляете, сколько интересного есть на предприятии, которое может себе позволить такие автомобили? И как досадно потерять такого клиента из-за пустяка.

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Перспективы при страховании юридических лиц по ОСАГО и КАСКО

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Корпоративное страхование транспорта интересно тем, что дает возможность чаще бывать на предприятии. Вы общаетесь с его сотрудниками, причем, не только с теми, кто отвечает за страхование автомобилей. Это позволяет развивать перекрестные продажи, как по корпоративным, так и по розничным видам страхования.

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И очень продуктивно делать это с Пампаду. Не надо тратить время на котировки у каждого страховщика, аккредитованного в банке или лизинговой компании. Делаете заявку на сайте, а дальше в работу включаются наши специалисты. Точно так же работаете и по другим видам страхования. Ведь далеко не всегда лучшие условия по всем видам даст одна и та же страховая компания. У меня был случаи, когда стоимость страховки для клиента на одних и тех же условиях у разных Страховщиков отличалась в два с лишним раза. Максимально цена договора была более пятисот тысяч рублей, а застраховались за двести двадцать тысяч.

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Вы подбираете для клиента оптимальные варианты за минимальное время и, при этом общаетесь только с нашими специалистами. Клиент – только с вами. Это гораздо комфортнее и для него, и для вас, чем держать в голове десятки контактов. Также, стоит отметить, что все страховые компании, с которыми сотрудничает Пампаду полностью соответствует требованиям законодательства.

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Поверьте, это здорово, когда достаточно отдать заявку профессионалам, а самому дальше заниматься поиском клиентов, продажами страховых услуг и увеличением своего дохода.

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В условиях жесткой сегментации, когда многие компании отказывают вашим клиентам, важно знать, как можно повлиять на положительный результат скоринга. Мы много общаемся со страховыми компаниями и агентами, поэтому собрали те самые практические и работающие рекомендации, используя которые вы сможете чаще получать положительный ответ на расчете. В начале давайте поймем как работает сегментация и скоринг страховых компаний.

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Что такое скоринг ОСАГО и как он работает?

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Страховые компании выставляют различные фильтры, по которым оценивают, клиентов на предмет наступления убытка - это называется скоринг. Если высокий шанс наступления убытка, страховые компании отказывают. Очень часто компании отказывают всем клиентам из определенных регионов РФ. Регион определяется по прописке собственника автомобиля.

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Страховые компании не раскрывают, по каким именно признакам они определяют убыточность. Вот основные причины, почему клиент считается потенциально убыточным:

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  1. Регион прописки собственника - многие регионы числятся в списке запретов на страхование, так как считаются страховыми компаниями убыточными;
  2. Возраст и стаж водителя - молодых и не опытных водителей страховые компании редко берут на страхование;
  3. Марка модели - отечественные модели ВАЗ, ГАЗ, УАЗ и др., также нередко не проходят одобрение;
  4. Большое количество страховых случаев у собственника - многие страховые добавляют в черный список собственников, которые часто попадают в ДТП и обращаются за выплатами. Полис с водителем, у которого КБМ 1 и выше сложно оформить.
  5. Год выпуска автомобиля - машины старше 20 лет редко принимают на страхование или устанавливают за них нулевое комиссионное вознаграждение.
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Что можно сделать, чтобы увеличить проходимость ОСАГО?

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Вот 11 пунктов, которые смогут вам помочь:

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  1. Проверить данные клиента на наличие ошибок и опечаток. Это частая причина отказа.
  2. Указать данные СРТС (розовая карточка), а не ПТС и наоборот.
  3. Указать дату начала действия полиса не ранее трех дней с даты оформления, если не помогло, указать + 10 дней от текущей даты.
  4. Указать дату начала действия следующий день после окончания текущего полиса, если он есть.
  5. Указать серию и номер предыдущего полиса для пролонгации или зеленого коридора (перехода из одной страховой в другую).
  6. Внимательно прочитать комментарии напротив каждой страховой компании и пооткрывать «Подробнее», там могут быть причины отказа. К примеру в страховой компании может быть уже указаны другие данные по клиенты, дата начала стажа или телефон.
  7. Удалить водителя с маленьким стажем или без КБМ (1 и более).
  8. Страхователь и собственник авто - лучше когда это одно лицо.
  9. Собственник автомобиля должен быть в списке водителей.
  10. Не используйте мультидрайв (без ограничений), вписывайте каждого водителя отдельно.
  11. В поле \"Мощность/Модификация\" выбирайте модификацию из списка, вместо того, чтобы выбирать \"другое\". Также всегда уточняйте марку модель на этапе расчета.
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Эти простые 11 пунктов помогут вам чаще получать одобрения от страховых компаний. Пользуйте и зарабатывайте больше вместе с Пампаду.

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С любовью к своему делу,
Команда Пампаду ?

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1. Понижение рейтингов российских страховщиков

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Часть страховых компаний попали в санкционный список. Безусловно, это влечет за собой ряд проблем. Международное агентство S&P Global Ratings снизило их рейтинги, а некоторых (например «Энергогарант» и «Альфа-Страхование») переместило в список Credit Watch с негативным прогнозом. В основном, это скажется на работе с корпоративными клиентами. На розничном страховании это практически не отразится.

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Законопроект о мерах поддержки страховой отрасли в условиях санкций уже подготовили и внесли в Думу. В частности, предусмотрено увеличение доли рисков, передаваемых Российскими страховщиками «Российской перестраховочной национальной компании» с десяти до пятидесяти процентов.

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Страховые компании работают в штатном режиме и готовы в полном объеме исполнять свои обязательства перед клиентами и партнерами.

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2. Тарифы по ОСАГО будут меняться чаще одного раза в год

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Банку России временно дали право менять тарифы на страхование гражданской ответственности владельцев автомобилей и опасных объектов несколько раз в год. Сейчас, в соответствие с законодательством, ЦБ РФ имеет право пересматривать их ежегодно не чаще одного раза.

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Закон, который внесло Правительство РФ, приостановил действие тих норм. Таким образом регулятор сможет более гибко реагировать на ситуацию, меняя пределы тарифного коридора или коэффициенты, вне зависимости от того, когда проходила предыдущая корректировка.

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Документ подписан Президентом России Владимиром Путиным и опубликован на официальном портале правовой информации.

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3. КБМ будут считать по-новому

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С 1 апреля 2021 г. вводится новая таблица с коэффициентами коэффициента бонус-малус. При этом взаимосвязь между количеством ДТП, совершенных водителем, и его КБМ на следующий год сохранилась без изменений. Зато сам коэффициент бонус-малус

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· Увеличится для тех автовладельцев стаж вождения которых менее трех лет. И у тех, кто стал виновником ДТП в предыдущем году.

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· Максимальный коэффициент будет 3,92 (сейчас 2,95)

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· Уменьшится для водителей с безаварийным стажем вождения 3 и более лет.

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· Минимальный КБМ будет 0,46 (сейчас 0,5). Это позволит снижать стоимость полиса для аккуратных водителей больше, чем на 50%.

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· «Базовый» КБМ будет равен 1,17 (сейчас 1), что соответствует 3 классу

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4. Новые справочники стоимости запчастей в соответствие с обновленной Единой методикой оценки ущерба начнут применяться с 19 марта 2022 года

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Порядок расчета размера компенсации по ОСАГО изменился в 2014 году. С тех пор за основу берут стоимость запчастей по базам РСА. Сейчас на сайте Российского Союза Автостраховщиков размещены новые справочники для публичной проверки. Каждый желающий может ознакомиться с этой информацией и направить в РСА обращение со своими предложениями и замечаниями.

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В силу эти изменения должны вступить 19 марта 2022 г.

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Планируется, что с этого года подобные проверки при актуализации справочников средней стоимости запчастей будут проходить не менее четырех раз в год.           

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5. Перестраховочный пул по ОСАГО

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15.02.2022 г. Государственная Дума приняла в первом чтении законопроект о создании на рынке ОСАГО перестраховочного пула. Как говорят страховщики, его формирование – это попытка заменить Е-Гарант на более совершенный механизм и повысить доступность оформления полисов. В первую очередь речь идет об убыточных сегментах рынка, например такси и т.д. Полученные от них страховые премии будут передаваться в пул, участниками которого станут все страховые компании, осуществляющие ОСАГО. Выплаты будут делить пропорционально доле рынка.

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Перестраховочный пул постепенно заменит систему РСА «Е-Гарант».  Главное преимущество нового механизма в том, что он позволит работать с физическими и юридическими лицами. «Е-гарант» допускает оформление полисов только для частных клиентов.

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1 апреля 2022 года вступила в силу вторая часть Указания Банка России «О страховых тарифах по обязательному страхованию гражданской ответственности владельцев транспортных средств». Теперь, в соответствие с ним, КБМ с 1 апреля считают по новому. Если до марта этого года он каждый год просто уменьшался на 5% (или увеличивался для виновников ДТП), то теперь все стало гораздо интереснее. Подробнее о последних изменениях мы расскажем в этой статье.

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Класс водителя

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С момента введения ОСАГО каждому водителю присваивался класс вождения. Водитель-новичок при оформлении первого полиса становился «третьеклассником» — 3 класс. Этому соответствовал «базовый» КБМ, равный единице. В течение времени,  в зависимости при отсутствии страховых возмещений за каждый истекший период класс водителя рос на 1 в год, а Коэффициент бонус-малус КБМ  снижался на 5%. У нарушителей наоборот: класс, когда заканчивался период КБМ, становился ниже, коэффициент бонус-малус – увеличивался. Вместе с ним росла и стоимость страховки. В 2019 году от «классификации» водителей отказались. Теперь возвращаются к старой системе и с этого года понятие «Класс КБМ» снова будет использоваться. Кроме того, изменения коснулись и самих коэффициентов, влияющих на расчет стоимости полиса ОСАГО в 2022 г. Эти нововведения продолжают дополнять закон об индивидуализации тарифов по ОСАГО, который приняли в 2020 году. Таким образом Центробанк продолжает политику, направленную на сдерживание цен на ОСАГО для аккуратных водителей. В то же время происходит постепенное подорожание полисов для аварийщиков. Повышение КБМ для этой категории зависит от количества страховых возмещений, выплаченных по их вине за период  действия предыдущего полиса.

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Коэффициент бонус-малус с 01.04.2022 Г.

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Принцип применения КБМ не изменился. Каждый, кто отъездил год без аварий,получает законную скидку на страховку. Стал виновником ДТП – готовься платить больше. Перерасчет КБМ будет по прежнему раз в год, в Сами коэффициенты изменились полностью. Основные отличия:

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Детальную информацию можно посмотреть, воспользовавшись таблицей ниже. Здесь есть и действующие значения коэффициента бонус-малус, и те, которые будут применяться с 1 апреля 2022 года. Для удобства эта таблица оформлена нами  в отдельный .excel файл по ссылке.

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Из таблиц КБМ хорошо видно, что изменения, в основном, затронут «крайние» категории водителей:

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Например для тех, кто за прошлый год является виновником двух и более ДТП, ОСАГО подорожает (только благодаря повышенному коэффициенту КБМ) на 60%.

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Начинающий водитель начнет  отсчет не с 1, как раньше, а с 1,17.

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И наконец те, кто выиграет от изменений, вступивших в силу в этом году. Это так же хорошо показывает предложенная нами таблица КБМ. Это водители, которые за рулем много лет и за весь период своей водительской практики не допустили ДТП по своей вине. Их страховые полисы станут дешевле на 4%. Максимально доступная скидка, с учетом которой рассчитывается полис ОСАГО,  для них теперь увеличится до 54%.

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Проверка и восстановление КБМ

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Проверить КБМ можно на сайте РСА или в личном кабинете на Пампаду. Наверняка всем встречались клиенты солидного возраста с большим стажем  безаварийного вождения, но минимальными скидками. У меня в практике был случай, когда при пролонгации ОСАГО человек столкнулся с тем, что КБМ у него упал с 50% до 10%. Причем полис пытались продлить там же, где был оформлен предыдущий. На письменный запрос Страховщик ответил, что аварий не было, но скидка, согласно базе РСА, все равно стала на 40% ниже. Я помогла собрать документы и обратиться в Российский Союз Автостраховщиков. Итог: водителю вернули «законные» 50% скидки. Затраты на страхование автомобиля для него снизились. А я теперь страхую несколько авто, дом и коммерческую недвижимость, которые ему принадлежат. Стоит отметить, что в личном кабинете на Пампаду все намного проще. Вам нужно заполнить данные на клиента и оставить заявку на восстановление КБМ. Остальное сделают наши специалисты.

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Пролонгация ОСАГО

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С продлением автогражданки лучше не тянуть. Для этого есть несколько весомых аргументов:

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Поэтому стоит зайти в свой личный кабинет на Пампаду и посмотреть, у кого из клиентов подходят сроки для переоформления ОСАГО. Сделать расчет, выбрать лучший вариант. После этого связаться с клиентом, предложить ему свои услуги и сразу озвучить стоимость полиса на следующий период страхования. Таким образом вы убьете сразу двух зайцев:

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Наращивание продаж

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Пролонгируя страховку заранее, можно предложить владельцам достаточно «свежих» автомобилей подумать о КАСКО. Вопрос в настоящее время достаточно актуальный. Стоимость ремонта растет быстро, как и число водителей, которые не страхуют автогражданку. А это значит, что пострадавший в ДТП автовладелец, точно не сможет отремонтироваться за счет страховой компании. Направление на ремонт в качестве возмещения ущерба, тоже становится проблематичным. Автосервисы просто отказываются работать со страховыми компаниями, не укладываясь в перечисленные им суммы. С учетом этого эксперты прогнозируют рост количество угонов автомобилей в этом году  просто потому, что не хватает запчастей.

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Поэтому полис КАСКО, пусть даже с минимальным покрытием, сможет стать хорошим подспорьем в этой ситуации.

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Рассчитайте стоимость ОСАГО на Пампаду, и отправьте нашим специалистам заявку на КАСКО. Передайте клиенту оба предложения и поделитесь с ним теми аргументами, которые есть в статье. Вполне вероятно, в этом случае вы добавите к первым двум зайцам еще и третьего. К тому же, если этого не сделаете вы, то предложение клиент получит от кого-то еще. 

\n', 'С 1 апреля вводятся новые коэффициенты КБМ и расширяются границы', 'После 1 апреля 2022 года КБМ будут считать по-новому. Изменений будет довольно много. Если раньше он просто уменьшался на 5% (или увеличивался для виновников ДТП), то теперь все гораздо интереснее.', 'publish', 'open', 'open', '', 's-1-aprelya-vvodyatsya-novye-koeffitsienty-kbm-i-rasshiryayutsya-granitsy', '', '', '2022-03-21 13:27:53', '2022-03-21 13:27:53', '', 0, 'https://pampadu.ru/blog/?p=1298', 0, 'post', '', 0), (1299, 13, '2022-03-21 13:22:40', '2022-03-21 13:22:40', '', 'изменения КБМ', '', 'inherit', 'open', 'closed', '', '1039h498-2', '', '', '2022-03-21 13:22:40', '2022-03-21 13:22:40', '', 1298, 'http://pamtest.ru/wp-content/uploads/2022/03/1039h498.jpg', 0, 'attachment', 'image/jpeg', 0), (1303, 13, '2022-03-21 16:21:54', '2022-03-21 16:21:54', '', 'kbm1', '', 'inherit', 'open', 'closed', '', 'kbm1', '', '', '2022-03-21 16:21:54', '2022-03-21 16:21:54', '', 1298, 'http://pamtest.ru/wp-content/uploads/2022/03/kbm1.png', 0, 'attachment', 'image/png', 0), (1305, 13, '2022-03-21 16:22:33', '2022-03-21 16:22:33', '', 'kbm2', '', 'inherit', 'open', 'closed', '', 'kbm2', '', '', '2022-03-21 16:22:33', '2022-03-21 16:22:33', '', 1298, 'http://pamtest.ru/wp-content/uploads/2022/03/kbm2.png', 0, 'attachment', 'image/png', 0), (1306, 13, '2022-03-21 16:22:45', '2022-03-21 16:22:45', '', 'kbm2-1', '', 'inherit', 'open', 'closed', '', 'kbm2-1', '', '', '2022-03-21 16:22:45', '2022-03-21 16:22:45', '', 1298, 'http://pamtest.ru/wp-content/uploads/2022/03/kbm2-1.png', 0, 'attachment', 'image/png', 0), (1309, 1, '2022-03-23 13:52:41', '2022-03-23 13:52:41', '\n

? Отличная новость!

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На прошлой недели мы совместными усилиями с коллегами из страховой компании Согласие добились увеличения шанса одобрения по ОСАГО в два раза, что за собой повлияло и на такое же увеличение количества общих продаж полисов в этой компании.

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?Две недели назад мы добились такого же результата по СК Ренессанс. Сейчас наша команда и по другим страховым ищет решения, которые позволят чаще получать одобрения, а значит и зарабатывать больше.

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??Попробуйте оформить полис на Пампаду, мы меняемся и меняем проходимость каждый день :)

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В условиях жесткой сегментации не всегда получается предложить клиенту ОСАГО в крупной и известной компании. В итоге иногда получается так, что человек уходит «подумать» над вашим предложением и не возвращается. Ситуация знакома многим. Не всем удается найти нужные доводы, чтобы убедить клиента застраховаться здесь и сейчас. Аргументов для этого довольно много.

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Основные возражения клиента

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Почти все объединяются в несколько групп. Одни хотят «в ту компанию, которая в прошлый раз хорошо заплатила», если есть печальный опыт обращения по страховому случаю. Или категорически отказываются страховаться у кого-либо, если выплата их не устроила.  Другие опасаются проблем при страховом случае, если офиса компании нет на соседей улице. Третьи боятся мошенничества: «Я про эту компанию не слышал, вдруг она завтра закроется». Поэтому в диалоге с клиентом любой агент может использовать один и тот же основной набор аргументов.

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Застрахуйте меня в компании, которая хорошо платит

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С 2014 года страховые компании считают размер выплаты страхового возмещения в соответствие с Единой методикой возмещения ущерба по ОСАГО. Поэтому мнение, что одни компании платят лучше, а другие хуже, ошибочно.

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Я не знаю эту компанию

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Иногда застраховать клиента из категории «не сегмент» берется малоизвестная страховая компания. И человек отказывается приобретать полис ОСАГО у них. В последнее время на всероссийский рынок автострахования вышло много страховщиков, у которых нет обширной филиальной сети. Компании небольшие, поэтому малоизвестные. При этом они полностью соответствуют требованиям законодательства. Поэтому договор, заключенный с такой компанией, ничем не отличается от того, который оформит именитый страховщик.

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А вдруг эта страховая компания завтра закроется

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Если такое случится, то полис останется действующим. Единственная проблема, которая может возникнуть,– невозможность внесения в него изменений. Во остальном для вас ничего не поменяется.

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Куда обращаться за выплатой

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Это главный вопрос для каждого Страхователя. Когда речь идет об ОСАГО, вариантов ответа на него несколько.

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«Ваша» страховая компания благополучно работает. Если в ДТП участвовало только два автомобиля, и кроме них никто не пострадал, то обращаетесь в офис урегулирования убытков своего Страховщика.. При этом не очень критично есть он в вашем городе или нет. Небольшие страховые компании часто заключают договора о сотрудничестве с другими страховщиками. В этом случае работу по страховым выплатам берут на себя они. Уточнить информацию можно непосредственно в  \"своей\" страховой компании: на сайте, по телефону горячей линии или в личном кабинете). Иногда нужный перечень формируется сразу при оформлении ОСАГО.

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Если не получается обратиться лично, сделайте это по почте. Документы можно отправить письмом с описью вложений по адресу страховой компании. После того,обращение доставят, адресат обязан в течение пяти дней организовать осмотр пострадавшего транспортного средства. Один нюанс: перед отправкой заверьте копии у нотариуса. Стоит это недорого, а замечаний к ним уже точно не будет.   

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ОСАГО – обязательный вид страхования

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Заключить этот договор обязан каждый водитель, за его отсутствие водителю грозит штраф. Главное не это. За каждого виновника ДТП, даже «маленькая» и малоизвестная страховая компания будет возмещать ущерб пострадавшим. При отсутствии страховки, эти затраты лягут на вас. Они могут быть весьма серьезны, особенно сейчас, когда цены на запчасти растут так стремительно.

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ОСАГО. Переходный период

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Закон об ОСАГО постоянно дорабатывается. Уже с первого апреля меняется порядок расчета КБМ, обсуждается увеличение лимитов выплат по имуществу, жизни и здоровью пострадавших. Размер компенсации ущерба предлагают рассчитывать без учета износа автомобиля.  Принятие этих поправок, скорее всего, приведет к удорожанию полиса ОСАГО. Это тоже учитывают при внесении изменений. С 1 апреля вступают в силу новые параметры расчета коэффициента бонус-малус. Теперь максимальная скидка для безаварийных водителей будет более 50%. Они платить будут меньше, аварийщики – больше, так как \"штрафной\" коэффициент подрастет. Государственная Дума обсуждает законопроект о создании перестраховочного пула, в который должен снизить финансовые риски страховщиков от страхования убыточных клиентов.

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В скором времени ситуация вероятно нормализуется. Можно будет выбирать страховую компанию «по душе».

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Но сейчас у многих автовладельцев выбора просто нет. Поэтому оформлять автогражданку сейчас нужно там, где вам дают такую возможность. Время тянуть не стоит. Может получиться так, что сегодня одна из компаний готова оформить страховку, а завтра и у них вы попадете в не сегмент. Тогда вариантов не будет совсем. Лучше застраховаться в малоизвестной компании, чем остаться без страховки вообще.

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И обязательно скажите клиенту, что если его полис оформляется через Пампаду, то можно не переживать насчет варианта, который вы ему предлагаете. Платформа работает только с проверенными страховыми компаниями. Поэтому он может быть спокоен.

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В конце прошлого года эксперты прогнозировали рост рынка страхования в текущем году на 8-10%. При условии, что макроэкономическая стабильность сохранится, а восстановительный рост продолжится. То, что происходит в России и в мире, стабильностью назвать сложно. Поэтому страховым агентам тоже приходится адаптироваться к жизни в новых условиях.

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Эксперты о страховании сегодня

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Эксперты предсказали снижение темпов роста сбора страховых премий еще в конце 2021 года. Тогда речь шла о развитии ситуации при «отсутствии серьезных экономических шоков и потрясений в 2022 году». Текущие события внесли коррективы в этот прогноз. Санкционные ограничения, увеличение ключевой ставки, резкий рост цен не прошли без последствий.

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1. Автострахование

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Несмотря ни на что, по прогнозам экспертов, продолжит расти и теперь. Новые параметры расчета полиса ОСАГО увеличат размер средней стоимости. По КАСКО возможно снижение количества договоров, но цена также вырастет вместе с ростом цен на запчасти и автомобили.

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2. Ипотека и кредитное страхование

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Прироста по этому виду не ожидают из-за повышения процентной ставки и уменьшения количества кредитов. С другой стороны цены на недвижимость растут, а значит вместе с ними увеличиваются страховые суммы и стоимость страховок.

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3. Страхование жизни и здоровья

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Один из лидеров страхового рынка. Страхование заемщиков, спортсменов, накопительное страхование и т.д. Интерес к нему в текущей ситуации может даже усилиться. Цены растут, в том числе и на лекарства, и страховка будет хорошим подспорьем в случае проблем со здоровьем.

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4. Страхование юридических лиц

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Это направление показало рост в прошлом году. Скорее всего, эта тенденция сохранится. Часть предприятий страхуется по требованию банка, но есть и те, кто делает это добровольно. Очень актуально это сейчас, когда финансовые риски предприятий выросли в разы. Восстановить производство после пожара и раньше было нелегко. Теперь для многих просто невозможно.

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Что нас ждёт на рынке страхования

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Как и всех – сложная и напряженная работа. На фоне глобальных новостей о страховом рынке хочется отметить те, которые напрямую касаются агентской работы.

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1. Автострахование

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И не забывайте, что у любой медали две стороны. Да, появятся клиенты, которые будут отказываться от автогражданки. Но найдутся и такие, кто всерьез задумается о своей безопасности. На фоне резкого роста стоимости запчастей уже стало расти количество автовладельцев, готовых заключить полис КАСКО. Пусть даже не полновесный вариант, а облегченный, с минимальным набором рисков. Перестраховочный пул улучшить ситуацию с проходимостью полисов, так как финансовые риски при страховании убыточных клиентов теперь будут распределяться между всеми страховыми компаниями. Таким образом объем страховых премий по автострахованию вряд ли сократиться, скорее наоборот, он будет увеличиваться.  Кроме этого, ряд страховых компаний уже объявил о возможности увеличения страховых сумм по уже заключенным договорам. Проявите заботу о клиентах, предложите страховаться до реальной стоимости авто.

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2. Ипотека и кредитование

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Страхование Заемщиков и имущества – лакомый кусок, который банки отпускают из своих рук крайне неохотно. Страховку оформляют вместе с кредитным договором. Если же клиент пытается застраховаться у своего агента, давление на него может быть очень жестким.  Запрет банку навязывать страховую компанию снимет эту проблему. Льготная ипотека увеличит число ваших потенциальных клиентов. Несмотря на кризис и санкции, этот рынок может не сократиться, а еще и вырасти. Ну и не стоит забывать о тех, кто уже является «счастливым» обладателем ипотеки. Своевременная пролонгация и хорошие условия наверняка их порадуют.

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3. Страхование жизни и здоровья

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Рос цен на медикаменты и услуги медицинских учреждений, хороший аргумент для страхового агента при продажах этих видов страхования. Широкий спектр страхового покрытия от травмы до критических заболеваний позволит вам подобрать вариант для любого клиента.

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Предприятиям сейчас актуально добровольное медицинское страхование. . Особенно с учетом того, что страховые компании обратились к медикам с просьбой о заморозке тарифов на их услуги в рамках заключенных договоров добровольного медицинского страхования. Если это предложение примут, то любая организация, заключившая такой договор, в течение года сможет обеспечить качественное лечение своих сотрудников. И, самое главное, спланировать на это свои затраты заранее. А чем лучше человек лечится, тем меньше он болеет и эффективнее работает.

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4. Страхование юридических лиц

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Рынок страхования корпоративных клиентов растет. Предприятий, которые страхуются не по требованию банка, становится больше. В текущей ситуации страхование действительно может снизить их финансовые риски в случае, пожара или выхода оборудования из строя из-за скачка напряжения. Это актуально для всех. Если на производстве сломается импортный станок, то никто не знает, когда он заработает снова. Обязательные платежи на время простоя никто не отменит. Налоги, зарплату, взносы по кредиту платить придется. Страховая компания может взять на себя оплату расходов на ремонт и финансовые затраты клиента на этот период. К тому же, в связи со стремительным ростом цен, можно предложить страховаться тем клиентам, которые уже застраховались, хотя бы по требованию банка.

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Пример из практики: общаюсь с клиентом, предлагаю застраховать имущество предприятия. Он не против. Но, по его словам, «все застраховано». Сбербанк давно их кредитует и обязывает страховать залоговое имущество. Но в этом случае страхуются только конструктивные элементы здания, т.е. элементы, которые пострадать могут только в крайнем случае. Наиболее сильно страдают отделка зданий и инженерное оборудование. Поломка механизмов, финансовые риски предприятия и т.д., в эти договора не включаются. Значит их можно застраховать отдельно.

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Чем поможет Пампаду

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Сейчас, как никогда, будут важны компетентность агентов и оперативность оформления договоров страхования. Это касается всех видов страхования: транспорта, имущества, ответственности, личного страхования. Цены продолжают расти, страховые тарифы тоже будут подниматься. Пампаду поможет сэкономить массу времени при пролонгации ранее заключенных полисов и котировке новых. Наши специалисты всегда готовы проконсультировать по вопросам страхования как физических, так и юридических лиц, подготовить заявку на страхование, провести переговоры со страховыми компаниями и т.д. Вам остается провести первичные переговоры, собрать необходимую информацию и сделать заявку. Потом выбрать лучший результат. А пока идет рассмотрение и согласование условий, можете спокойно работать с новыми клиентами. Расширять клиентскую базу и увеличивать свой доход.    

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Мы дополнили подборку ответов на ваши вопросы по КАСКО в разделе помощи. И здесь публикуем некоторые из них. 

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Почему онлайн-калькулятор считает не так, как при расчете напрямую в СК?

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Онлайн-калькулятор рассчитывает среднюю стоимость КАСКО для авто определенной марки и года выпуска. А конечная стоимость зависит от множества показателей, в том числе от региона использования авто, КБМ страхователя и водителей. Также на расчет влияет, какие условия страхования выберет клиент. Например, полное КАСКО или частичное по одному из рисков «Ущерб», «Угон», «Тоталь». 

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Поэтому не стоит озвучивать клиенту цены с онлайн-калькулятора. Уточните его пожелания к страховке, ориентировочный бюджет, соберите необходимые копии документов и сообщите, что расчет предоставите в течение дня.

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Есть ли возможность сэкономить на КАСКО?

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Сэкономить на КАСКО можно в первую очередь при оформлении полиса с франшизой — лимитом непокрываемого мелкого ущерба, в пределах которого страхователь обязуется ремонтировать авто за свой счет. Второй вариант купить полис дешевле — застраховать авто не по полному набору рисков, а частичному. Третий вариант — ограничить круг лиц, допущенных к управлению автомобилем. 

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Также страховщики часто делают скидку при безубыточном продлении предыдущего полиса.

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Может ли стоимость полиса измениться после осмотра авто?

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Да, некоторые страховые компании, среди которых Ингосстрах, зачастую пересчитывают стоимость полиса после осмотра автомобиля. Поэтому полисы таких компаний лучше не оплачивать до момента осмотра. Реже меняют цену полиса после осмотра такие СК, как Тинькофф, Ренессанс, Совкомбанк.

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Могу ли предложить клиенту оформить КАСКО на кредитное авто?

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Да, вы можете предложить клиенту оформить КАСКО на кредитное авто через вас. И гарантировать, что подберете более выгодный вариант, чем предлагает банк. Однако учтите, что размер КВ за такой полис будет меньше. 

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Ответы на другие вопросы, в том числе про размер и сроки начисления комиссионного вознаграждения, вы найдете по ссылке

\n', 'Ответы на частые вопросы по КАСКО', 'Мы дополнили подборку ответов на ваши вопросы по КАСКО в разделе помощи. И здесь публикуем некоторые из них. ', 'publish', 'open', 'open', '', 'otvety-na-chastye-voprosy-po-kasko', '', '', '2022-03-29 11:13:35', '2022-03-29 11:13:35', '', 0, 'https://pampadu.ru/blog/?p=1325', 0, 'post', '', 0), (1326, 13, '2022-03-29 11:12:55', '2022-03-29 11:12:55', '', 'каско', '', 'inherit', 'open', 'closed', '', '1039h498-7', '', '', '2022-03-29 11:12:55', '2022-03-29 11:12:55', '', 1325, 'http://pamtest.ru/wp-content/uploads/2022/03/1039h498-5.jpg', 0, 'attachment', 'image/jpeg', 0), (1331, 15, '2022-04-04 14:47:48', '2022-04-04 14:47:48', '\n

Перестраховочный пул

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Запуск перестраховочного пула в ОСАГО предварительно запланировали на 20 апреля. Президент подписал Закон, и страховые компании уже готовятся к работе в новых условиях. Система \"Е-Гарант\", которую вводили для повышения доступности ОСАГО, постепенно прекратит работать. Она останется только для страхования водителей в Крыму.

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Это не первая попытка улучшить ситуацию с проходимостью ОСАГО для убыточных клиентов. До \"Е-Гаранта\" был \"Е-Агент\". Теперь им на смену пришел перестраховочный пул. 

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Крупнейшие страховщики, такие как “РЕСО-Гарантия”, ВСК, “Росгосстрах” и т.д., рассказали, что работают над подготовкой “IT-система”, тестируют и дорабатывают их. Часть из них, подтвердила, что одновременно с запуском перестраховочного пула “Е-Гарант” будет отключен. Хотя не исключают, что она какое-то время будет действовать, для того, чтобы избежать проблем в оформлении ОСАГО в то время, пока новый механизм будет проходить обкатку. 

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Первыми по новой схеме начнут работать страховые компании, у которых есть лицензия на перестрахование. Законом предусмотрено, что перестрахованием рисков по ОСАГО, будут заниматься и страховщики, у которых нет соответствующей лицензии.

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Необходимость перестраховочного механизма в этой отрасли назрела давно. Система \"Е-Гарант\" не оправдала ожиданий, так как страховщики стали направлять туда слишком много убыточных клиентов. Теперь каждая страховая компания получит будет передавать риски по ОСАГО в перестрахование. В то же время будет вместе с другими нести ответственность по договорам, переданным в ПУЛ. Это должно повысить проходимость полисов и улучшить ситуацию на рынке. Кроме того, новая схема работы позволит оформлять полисы физических и юридических лиц. Е-Гарант позволял работать только с частными лицами.

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Изменения в ФЗ “Об ОСАГО”. Право Страховщика на регресс.

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Утверждены изменения в ст. 14 “ФЗ “Об ОСАГО”. Теперь страховая компания лишится права выставить регрессный иск виновнику ДТП в случае отсутствия у него действующей диагностической карты при условии, что техосмотр для него не является обязательным. В отношении других участников дорожного движения, эта норма продолжает действовать. При этом, для автобусов, троллейбусов и других автомобилей, которые перевозят пассажиров, регресс в этом случае наступает автоматически, независимо от причины ДТП. Для остальных - только в случае, если авария произошла из-за неисправности их транспортного средства.

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Срок ремонта по ОСАГО предложили продлить

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В связи с ростом запчастей и сложностью их поставки, Страховщики внесли ряд предложений: 

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Досрочное расторжение договора ОСАГО. Дополнения и изменения. 

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Согласно п.13 ФЗ “Об ОСАГО” Страховщик имеет право прекратить действие полиса в случае гибели транспортного средства. Сейчас иногда так происходит, если выплата после ДТП близка или превышает стоимость автомобиля. С учетом того, как быстро растут цены на запчасти, бывает так, что человек ремонтирует машину и продолжает ездить на ней. Полис ОСАГО при этом расторгнут страховщиком, так как компания считает, что, судя по размеру ущерба, авто восстановлению не подлежит. Логично, что его владелец может оказаться в крайне неприятной ситуации. Если, например, сам станет виновником аварии и тут выяснится, что возмещать ущерб пострадавшему придется самому.

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Теперь данный пункт дополнили. Согласно новой редакции, Страховщик по-прежнему имеет право расторгнуть договор, но только в случае, если сведения о гибели автомобиля “подтверждаются документами органов, осуществляющих регистрацию транспортных средств, о снятии транспортного средства с учета после утилизации.

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Поправка вступает в силу с 1 октября 2022 года

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Российские Гринкарт на территории Украины

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С 5 апреля прекращают действие Российские “Зеленые карты”, выданные водителям для проезда по Украине. Соответственно и украинские аналогичные полисы прекратят действовать на территории Российской Федерации. Водителям нужно будет приобретать полис ОСАГО ого государства, на территории которого он находится. До 5 апреля все ДТП будут урегулироваться в обычном порядке.

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Доплата по КАСКО. Увеличение страховой суммы

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Многие страховые компании предложили клиентам, внести изменения в действующие договора. Связано это с ростом цен как на запчасти, так и на автомобили в целом. Согласно статистике, доплата составит десять-сорок процентов стоимости полиса. На мой взгляд, вполне разумное и выгодное для клиентов предложение. В случае угона или полной гибели застрахованного транспортного средства суммы, указанной в полисе, но покупку другого, к сожалению, не хватит.

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 Размер доплаты рассчитывается индивидуально. Моему клиенту. например, для того чтобы увеличить страховую сумму с 2 700 000 р. до 4 000 000 р. понадобится доплатить около двадцати шести тысяч.

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«Зетта Страхование» расширила «Железные гарантии» 

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Теперь они распространяются и на ипотечное страхование. Это единственная страховая компания, готовая платить своим партнерам, если не выполнила взятые на себя обязательства. Программа “Железные гарантии” действует с 2016 года. Теперь она включает в себя семь пунктов, два из которых имеют прямое отношение к ипотеке. Это шестой и седьмой (новый) пункты:

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6. Оформим договор ипотеки или страхования грузов в течение 4 рабочих часов; сложные договоры - в течение 8 часов

7. Оформим договор ипотечного страхования без ошибок.

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При невыполнении этих обещаний, компания готова платить клиенту 1000 рублей за каждую ошибку. Это единственная страховая компания в России, которая несет финансовую ответственность за ненадлежащее исполнение принятых обязательств.

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Уважаемые агенты! С сегодняшнего дня запускаем акцию «Рекомендуй и зарабатывай». Мы решили тратить не на рекламу, а отдавать деньги вам за рекомендации. Можно считать это хорошим бонусом к нашей действующей реферальной программе.

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Условия простые:

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— Приведи 5 агентов, каждый из которых купил минимум 3 полиса и получи 10 000 руб.
— Получай 50 рублей за каждый оформленный полис рефералом в течение всего времени использования сервиса

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Участвовать в акции могут все зарегистрированные пользователи Пампаду. Сроки акции: 09.04.22 - 09.07.22

Отправьте свою ссылку страховым агентам или опубликуйте ее на своих площадках. Сохраните в заметках или закладках , чтобы приглашать коллег при удобном случае. Ссылка находится правом верхнем углу личного кабинета, в разделе “Реферальная программа”.

При регистрации на нашем сервисе все агенты появятся в Вашем ЛК. Далее мы будем их самостоятельно курировать, а вы получать выплаты.

Мы подготовили небольшой текст, который вы можете использовать для привлечения агентов:

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Привет, коллега! Хочу порекомендовать платформу онлайн-страхования Пампаду.ру Здесь можно оформить Е-ОСАГО, КАСКО, корпоративное и ипотечное страхование в 22 СК и получать до 39% комиссионного вознаграждения. Можно работать со всеми регионами РФ и пользоваться агентскими сервисами бесплатно, не заключая отдельные договора со страховыми. Регистрируйся как самозанятый, физлицо, ИП или ООО. Платят быстро на карту или счёт. Поддержка агентов 7 дней в неделю. Попробуй по ссылке (Вставить свою ссылку из ЛК)

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Вопросы/ответы

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1. Когда и как происходит начисление бонуса 10.000 руб?
— Бонус 10 000 руб. будет начисляться на баланс в личном кабинете по понедельникам. При соблюдении условий акций напишите в службу поддержки, коллеги проверят и начислят бонус

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2. Как мне узнать, сколько я уже привлек агентов и сколько они оформили полисов?
— Всю статистику по количеству привлечённых агентов и их продажам можно посмотреть в разделе Агенты - Реферальная сеть.

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3. Какой срок проведения акции?
— Акция действует с 9 апреля по 9 июля

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4. Если ли ограничение на количество привлеченных агентов?
— Ограничений на привлечение нет. Бонус будет начисляться за каждых пятерых привлечённых агентов, которые оформили минимум три полиса каждый

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5. Кто НЕ может принимать участие в акции?
— Участие в акции могут принимать все зарегистрированные пользователи Пампаду

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6. Продажи каких полисов учитываются?
— Учитываются продажи полисов ОСАГО и ипотечного страхования

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Удачи!

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С любовью к своему делу,
Команда Пампаду! ?

\n', 'Рекомендуй Пампаду и заработай 10.000 рублей!', 'Акция! Приведи 5 агентов, которые оформили 3+ полисов и получи 10.000 рублей! Сроки акции: 09.04.22 - 09.07.22', 'publish', 'open', 'open', '', 'rekomenduj-pampadu-i-zarabotaj-10-000-rublej', '', '', '2022-04-08 12:07:46', '2022-04-08 12:07:46', '', 0, 'https://pampadu.ru/blog/?p=1336', 0, 'post', '', 0), (1337, 13, '2022-04-08 12:06:00', '2022-04-08 12:06:00', '', '1080x1080 (7)', '', 'inherit', 'open', 'closed', '', '1080x1080-7', '', '', '2022-04-08 12:06:00', '2022-04-08 12:06:00', '', 1336, 'http://pamtest.ru/wp-content/uploads/2022/04/1080x1080-7.jpg', 0, 'attachment', 'image/jpeg', 0), (1338, 13, '2022-04-08 12:06:06', '2022-04-08 12:06:06', '', 'Рекомендуй агентам Пампаду и заработай 10.000 рублей', '', 'inherit', 'open', 'closed', '', '1039x498-5-2', '', '', '2022-04-08 12:06:06', '2022-04-08 12:06:06', '', 1336, 'http://pamtest.ru/wp-content/uploads/2022/04/1039x498-5.jpg', 0, 'attachment', 'image/jpeg', 0), (1353, 12, '2022-04-13 20:32:45', '2022-04-13 20:32:45', '\n

Привет, коллеги! Открываем рубрику #каскоуспехипампаду, под которой будем делиться с вами успешными кейсами оформления КАСКО через Пампаду. И сегодня расскажем, как помогли сэкономить на полисе для нового авто 72 тысячи! 

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Есть несколько способов удешевления стоимости КАСКО, известных большинству опытных агентов. Это в первую очередь страхование отдельных рисков, так называемое частичное КАСКО, и включение франшизы. Значительно сэкономить помогает своевременность пролонгации полиса, ограничение списка водителей. 

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Но вряд ли кто знает, что понизить стоимость полиса больше чем на треть можно за счет уточнения новой модели авто, еще не добавленной в справочник страховой компании. А это реальный кейс, попавший копилку наших с вами успехов по оформлению КАСКО.

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Ситуация была такова. От агента поступила заявка на КАСКО для минивэна Hyundai Starex 2021 года. Полис требовалось оформить очень срочно. Менеджер расчетов обратил внимание, что в ЭПТС указана модель Staria, но не нашел ее в справочниках. Поэтому сделал расчеты для той, что указал агент. Из 5 одобренных вариантов агент быстро согласовал с клиентом полис Ренессанса стоимостью в 260 тысяч и передал ссылку на оплату.

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При этом у менеджера расчетов оставались сомнения и для перестаховки он по своей инициативе отправил запрос в службу андеррайтеров страховой компании, аннулировав ссылку на оплату. Постарался добиться оперативного ответа и выяснил, что для данного авто необходимо указать марку и модель Hyundai H­1, а в особых условиях договора отметить «марка/модель ТС по ПТС: Hyundai StarIa». 

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Так в результате корректировки марки и модели авто стоимость полиса снизилась до 189 тысяч рублей. Клиент сэкономил 72 тысячи на полисе КАСКО!

\n', 'Как мы помогли сэкономить на КАСКО 72 000 руб.', 'Рассказываем, как мы сэкономили 72 000 рублей на КАСКО для клиента нашего страхового агента, который оформил полис через Пампаду', 'publish', 'open', 'open', '', 'kak-my-pomogli-sekonomit-na-kasko-72-000-rub', '', '', '2022-04-13 20:32:45', '2022-04-13 20:32:45', '', 0, 'https://pampadu.ru/blog/?p=1353', 0, 'post', '', 0), (1354, 13, '2022-04-13 20:31:38', '2022-04-13 20:31:38', '', 'Каско страховой агент', '', 'inherit', 'open', 'closed', '', '1039h498-9', '', '', '2022-04-13 20:31:38', '2022-04-13 20:31:38', '', 1353, 'http://pamtest.ru/wp-content/uploads/2022/04/1039h498-1.jpg', 0, 'attachment', 'image/jpeg', 0), (1357, 1, '2022-04-20 09:15:53', '2022-04-20 09:15:53', '\n

Привет, коллеги! ?
К нам поступает множество различных вопросов по страхованию КАСКО. И поэтому решили провести вебинар, в котором подробно раскроем этот продукт со всех сторон.

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? Мы пригласили эксперта, который специализируется на страховании КАСКО, делает сотни расчётов в день и знает условия, тарифы, подводные камни по всем страховым компаниям. А главное — как купить полис дешевле, сэкономить деньги клиенту и заработать по максимуму.

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? Программа вебинара:

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? Бонус: шаблон + продающая презентация для клиента, почему стоит оформлять КАСКО именно у вас!

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? Спикеры:
Сергей Локтев, генеральный директор Пампаду
Ольга Евстафьева, руководитель отдела расчётов КАСКО

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⏱ Начало: 25 апреля в 16:00 по МСК

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❗️Подключайтесь к трансляции и готовьте вопросы, вы сможете задать их в конце эфира! Также у вас есть возможность отправить нам свои вопросы заранее. Для этого заполните форму по ссылке ниже ?

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Внесите дату и время вебинара в календарь, список задач, заметки и включите уведомления, чтобы не пропустить.

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Ждём вас!

\n', '? Бесплатный вебинар КАСКО-2022: как оформить дешевле и заработать больше', 'Вебинар по КАСКО от Пампаду пройдёт 25 апреля. Мы пригласили эксперта, который расскажет как оформлять КАСКО дешевле и заработать больше.', 'publish', 'open', 'open', '', 'besplatnyj-vebinar-kasko-2022-kak-oformit-deshevle-i-zarabotat-bolshe', '', '', '2022-04-20 09:15:53', '2022-04-20 09:15:53', '', 0, 'https://pampadu.ru/blog/?p=1357', 0, 'post', '', 0), (1358, 13, '2022-04-20 09:15:00', '2022-04-20 09:15:00', '', 'Вебинар по КАСКО от Пампаду', '', 'inherit', 'open', 'closed', '', 'x1039x498', '', '', '2022-04-20 09:15:00', '2022-04-20 09:15:00', '', 1357, 'http://pamtest.ru/wp-content/uploads/2022/04/x1039x498.jpg', 0, 'attachment', 'image/jpeg', 0), (1362, 1, '2022-04-27 13:00:39', '2022-04-27 13:00:39', '\n

? Открываем новые возможности!

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? Рады сообщить вам о запуске финансовых продуктов в личном кабинете!

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Теперь каждый желающий, в любое удобное время, может получить доступ к финансовым продуктам и зарабатывать до 1800 рублей на оформлении дебетовых карт своим клиентам.

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Изучайте по ссылкам ниже! ?

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? ЧАТ ПОМОЩИ ? 
? БАЗА ЗНАНИЙ ?

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\n
Попробовать в кабинете
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\n', 'Зарабатывайте больше с банковскими продуктами на Пампаду! ?', 'Открываем новое направление на нашей платформе! +1 к возможности заработка для агентов. Зарабатывайте больше с Пампаду!', 'publish', 'open', 'open', '', 'zarabatyvajte-bolshe-s-bankovskimi-produktami-na-pampadu', '', '', '2022-04-27 13:00:39', '2022-04-27 13:00:39', '', 0, 'https://pampadu.ru/blog/?p=1362', 0, 'post', '', 0), (1363, 13, '2022-04-27 12:59:49', '2022-04-27 12:59:49', '', 'Зарабатывайте больше с банковскими продуктами на Пампаду!', '', 'inherit', 'open', 'closed', '', '1039x498-10', '', '', '2022-04-27 12:59:49', '2022-04-27 12:59:49', '', 1362, 'http://pamtest.ru/wp-content/uploads/2022/04/1039x498.jpg', 0, 'attachment', 'image/jpeg', 0), (1367, 15, '2022-04-27 14:06:17', '2022-04-27 14:06:17', '\n

Очень многогранный вид страхования. В рамках одних правил страхуется имущество, ответственность, спецтехника и финансовые риски. Почти каждый Заказчик-Инвестор обязывает подрядную организацию его заключить, но мало кто знает, что можно при этом включить в договор. 

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Начнем с примера:

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“Жил был маленький домик, и его решил отремонтировать большой заказчик, да позвал подрядчика-дурака в помощь. А подрядчик и говорит: не извольте беспокоиться, заказчик-батюшка, всё в срок сделаем! 

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И вот принимает работу заказчик: тут криво, здесь порог отваливается, совсем покосился домик. А подрядчик акт в руки -- и бежать! 

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Заказчик к государю -- а тот руками разводит: на акте приема-передачи подпись стоит, а что покосилось все, и краска отваливается -- так не во время работ же. А что пока конька ремонтировали, с крыши молот на любимую карету уронили -- так ищи ветра в поле, где он тот подрядчик. 

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Пригорюнился заказчик, и пошёл восвояси. А вот если бы он сразу к магам-страховщикам обратился, не было бы с ним такою драмы. Применили бы они заговор, СМР названный, и заплатила бы страховая и за порог оторванный, и за карету любимую. А потом из повесы-подрядчика всё до копейки выбила. 

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Мораль сей басни такова: планируешь капремонт -- выбери надежного подрядчика и обязуй страховать СМР.

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 А теперь всерьез. Про домик, отвалившийся порог и пострадавшую карету. Что мог застраховать “большой заказчик”, чтобы потом не искать того подрядчика, а спокойно обращаться в страховую компанию.

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Страхование объекта строительно-монтажных работ

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Сам “домик” - здание или сооружение, на котором осуществляются работы. Неважно строительство это нового объекта или ремонт старого здания. Ситуаций, когда при капитальном ремонт через разобранную крышу заливает дом, немало. При этом страдает и дом, и люди, если их квартиру затопило. Кроме него можно включить в договор:

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Страховое покрытие при этом распространяется на строительные материалы, расходы по перевозке, таможенные сборы и т.д.)

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Условия могут быть разные:

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ВариантСтраховые риски
1С ответственностью “за все риски”Любое непредвиденное. случайное событие, из-за которого пострадало застрахованное имущество
2С ответственностью “за поименованные риски”пожарпротивоправные действия третьих лицавария инженерных сетейпросадка грунтастихийные бедствияошибки, допущенные при проведении строительных работ и монтаже
3С ответственностью ”за дополнительные риски”Дополнительно могут быть включены:ошибки при проектированиитеррористический актгражданские волненияпроведение экспериментальных работ и т.д.
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Страховая сумма берется в размере, равном сметной стоимости договора подряда. Если установить лимит по договору больше действительной стоимости объекта, то в части превышения договор будет признан ничтожным. В обратной ситуации, когда страховая сумма меньше, чем цена объекта, возмещение ущерба производится в размере пропорциональном их соотношению. Исключение составляют договора, в которых условиями предусмотрено страхование “по первому риску”

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Выгодоприобретателем является собственник объекта строительства. Если страхуется оборудование, которое монтирует подрядная организация, то изначально его владельцем будет она. Но после подписания акта приемки-передачи это имущество будет принадлежать заказчику. 

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Территория страхования указывается в договоре. Если этого не сделано, то считается, что она совпадает с пределами строительной площадки, в соответствие с проектами строительства и производства работ.

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Страхование гражданской ответственности при проведении ремонтно-строительных работ

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Как всегда, в этом случае возмещается ущерб, причиненный третьим лицам в результате застрахованной деятельности. В нашем случае - ремонтных и строительных работ Исключениями будут сам объект, на котором они ведутся, и работники организации, риск которой застрахован. Т.е., если маляр уронит ведро с краской, то случайный прохожий, на которого оно свалилось получит деньги на лечение и новую одежду от страховой компании. А бригадир того маляра, оказавшийся рядом, будет выяснять отношения с нерадивым работником. Даже если ему досталось больше, чем тому прохожему. Ну, а если бы при этом, то ведро на “любимую карету” заказчика приземлилось, то ее ремонтировали бы так же за счет Страховщика.

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Лимит ответственности устанавливается по соглашению сторон. Обычно он равен 10% сметной стоимости договора подряда. При заключении договора по требованию заказчика устанавливается в соответствие с его пожеланиями.

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Послепусковые гарантийные обязательства

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Нужный и полезный риск для заказчика. Некоторые считают, что пока не закончился срок гарантии, установленной договором подряда, волноваться нечего. исполнитель устранит вскрывшиеся недостатки за свой счет. Возможно. Но иногда период гарантийного обязательств длиться лет пять. За это время может произойти что угодно. Например, обанкротится или закроется подрядная организация. В этом случае за отвалившийся порог или облетевшую краску спросить будет не с кого. Если этот риск не включен в договор страхования строительно-монтажных рисков. Страховая компания возместит ущерб независимо от того, существует еще та фирма, которая выполняла эти работы или нет.

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При включении этого пункта в договор учитывайте следующее:

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Вернемся к нашему “домику”:

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Через пару лет перекосило порог, и хозяин обратился в страховую компанию. Она возместила ущерб и еще два года счастливый домовладелец жил спокойно. Но спустя полтора года злосчастный порог снова просел, и, вдобавок, облетела штукатурка на стене. На этот раз страховщик снова оплатил работы по ремонту порога (так как их уже выполняли в рамках исполнения гарантийных обязательств), а за стены платить отказался. Так как штукатурили стену больше трех лет назад и работали тогда по договору подряда. А в договоре страхования указано, что за качество тех работ, страховая компания отвечает только три года.

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Вряд ли клиент будет вникать в эти нюансы при заключении договора СМР. Но наверняка сделает определённые выводы, если получит отказ вместо денег. Скорее всего, они будут не в вашу пользу.

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Некоторые Страховщики включают в договор страхование гражданской ответственности на период гарантийных обязательств. Хорошее дополнение к основному договору. Например, если ошибку допустили при монтаже теплоснабжения в многоэтажном доме, и из-за этого при пролило несколько этажей, то ремонт самого оборудования будет возмещен по риску “гарантийные обязательства”, а ущерб жильцов по “гражданской ответственности”.

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Страхование строительной техники

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Бульдозеры, экскаваторы подъемные краны и т.д., вся техника, которая используется при строительных работах также страхуется. Обратите внимание что поломка механизма, или отказ из-за плохих смазочных материалов, страховым случаем не будет. Но если это привело к столкновению или опрокидыванию застрахованной техники, то ущерб будет возмещен.

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Территория страхования в этом случае ограничивается исключительно строительной площадкой. Если что-то случится с грейдером или трактором, выехавшим за ее пределы, то ремонтировать его хозяин будет за свой счет.

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Финансовые риски инвестора-заказчика

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При страховании строительно-монтажных рисков в договоре можно учесть и это. Если на стройке произойдет ЧП, например пожар или оползень, то срок ввода объекта в эксплуатацию отодвинется. Инвестор начнет получать прибыль с объекта позже, чем рассчитывал. А значит понесет убытки, так как налоги, кредиты, выплату заработной платы сотрудникам никто не отменит. Это компенсирует страховая компания при наличии в договоре риска “Убытки на случай перерыва в строительстве и задержки сдачи в эксплуатацию объекта строительства”.

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Лимит ответственности определяют на основании бизнес-плана инвестора, бухгалтерских документов и т.д.

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Период возмещения убытков составляет до 12 месяцев, если другое не предусмотрено договором.

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Срок действия договора страхования строительно-монтажных рисков

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По каждому из рисков продолжительность срок действия устанавливается отдельно.

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Изменение сроков действия 

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Есть несколько ситуаций, когда срок окончания договора страхования сдвигается. Это:

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Документы для заключения договора страхования строительно-монтажных рисков

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Обязательным условием является предоставление минимального пакета:

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При страховании финансовых рисков (дополнительно):

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Остальные документы предоставляются по запросу страховой компании. Среди них могут быть сметы на строительство, план-график проведения работ и т.д.

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Где искать клиентов

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В первую очередь среди тех, для кого страхование СМР обязательное требование, чтобы приступить к началу работ. Например организации, которые занимаются капитальным ремонтом зданий в рамках федеральной программы. Наиболее интересны для новичка те, кто работает по проектам небольшой и средней стоимости. Они гораздо \"доступнее\", но за год отрабатывают не один десяток договоров подряда. В каждом случае нужен самостоятельный договор. Иногда очень быстро, так как от этого зависит подписание контракта. Каждый такой клиент — это канал продаж для агента.

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Еще я бы посоветовала искать “выход” на заказчиков. Пример из практики: один из моих клиентов, как только планирует ремонтные работы в своем здании, сразу же просит подготовить вариант страхования СМР. Потом вносит эти требования в договор подряда и дает подрядчику мой телефон. Таким образом я “убиваю двух зайцев”: клиент получает качественную защиту, подрядная организация, убедившись, что договор заключен на выгодных для них условиях в будущем тоже становится моим клиентом.

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Весомыми аргументами для инвестора служит то, что: 

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Чем поможет Пампаду

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Даже если вы съели не одну собаку на страховании строительно-монтажных рисков, помощь профессионалов будет не лишней. Тем более, если вы только осваиваетесь на этом поприще. В статье я перечислила основные риски, которые включаются в договор. Но, если клиент хочет застраховаться не по принуждению, а “для души”, то пакет рисков может быть еще шире. Например, включают пусковые испытания монтируемого оборудования или страхуют имущество, которое хранится вне строительной площадки. Мы с удовольствием поможем подобрать для клиента лучшие условия.

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И еще. Стоимость договора у разных Страховщиков различна. Мой личный рекорд - почти в четыре раза. От 28 000 рублей до 120 000 р. при абсолютно идентичных условиях. Котировать условия по всем компаниям можно и самому, но это требует времени. Иногда его для этого просто нет. а от этого зависит подписание договора подряда. Клиент застрахуется там. где это сделают быстрее. Не факт, что это будете вы. 

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Нередко встречаются ситуации, когда заказчик ограничивает перечень страховых компаний и не всегда вы “дружите” с теми, кто в нем указан.

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С поддержкой Пампаду все проще:

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Недавно одна клиентка мне сказала: «Страхование - вещь хорошая. Но люди слишком мало об этом знают. До них нужно доносить информацию. Тогда желающих им воспользоваться будет больше”. Она права, наверняка, если вы “донесете” до клиентов то, как обезопасить себя и “свой домик” при ремонте и строительстве, ваша репутация, как профессионала, а вместе с ней и клиентская база, начнут расти. И приносить вам доход.

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Апрель 2022 года закончился и изменения в Федеральном Законе «Об ОСАГО» о создании перестраховочного пула вступили в силу. Что это такое, как работает, насколько вырастет проходимость полисов, и кто будет платить по убыточным договорам. Кто будет участниками перестраховочного пула. Плюсы и минусы для агента.

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Для чего создан перестраховочный пул

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По данным Центробанка водители все чаще стали получать отказы при страховании автогражданки. Страховщики ОСАГО не хотят брать на себя ответственность за выплату убытков и ищут любой способ спровадить убыточного клиента из своего офиса. Давайте прямо, наверняка все прекрасно знают, насколько сложно было до апреля застраховать молодого водителя, владельца старого автомобиля или, не дай бог, грузовика. а уж про тех, у кого имеется лицензия такси даже говорить нечего. Ситуация патовая: есть закон, который требует наличия страхового полиса обязательного страхования у каждого водителя, люди готовы его выполнять, но физически не могут этого сделать. От этого страдали все, в том числе и добропорядочные владельцы транспортных средств. Наличие ОСАГО у них прекрасно защищало права тех, кто ездил без страховки. А вот им в случае ДТП с таким водителем, на выплату от страховщика рассчитывать не приходилось. В итоге союз автостраховщиков предложил создать механизм, который позволил бы равномерно распределить убытки между всеми страховыми компаниями, работающими в рамках ОСАГО.

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Перестраховочный пул начал работать

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Участниками перестраховочного пула по ОСАГО в обязательном порядке станут все члены РСА. При этом отдельная лицензия на перестрахование не потребуется.

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Система «Е-Гарант», которая существовала с 2017 года и, к сожалению, не оправдала ожиданий. Она не смогла в должной степени улучшить ситуацию с автогражданкой для рисковых водителей. Теперь страховщики ОСАГО смогут отдавать риски на перестрахование.  По мнению РСА это доступность обязательного страхования ответственности для всех категорий автовладельцев. Снизится доля риска возникновения угрозы финансовой устойчивости и платежеспособности страховых компаний. Проще говоря, страховым предоставляется право разделить убытки по рисковым водителям с коллегами по цеху – остальными компаниями, страхующими «автогражданку».  Порядок работы будет регламентироваться условиями соглашения о перестраховочном пуле, разработанном РСА и согласованном с Банком России. При этом Центробанк получит право устанавливать дополнительные статьи к этому документу. 

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Принцип работы перестраховочного пула в ОСАГО

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Для того, чтобы, что бы полисы ОСАГО попали в пул страховой компании требуется соблюсти два условия:

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При этом 77% стоимости договора передается в пул, а 23% получает страховщик, который его заключил. 

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Убытки по таким договорам будут распределяться пропорционально — в соответствие с тем, какая доля у страховой компании на рынке ОСАГО в России. Как считает Гендиректор компании «АстроВолга», это создает своеобразный стимул страховать клиентов, несмотря на то, к каким сегментам ОСАГО они относятся. Дело в том, что если страховщик даже не застрахует никого из них сам, то в рамках соглашения о перестраховочном пуле все равно придется за них платить. Пример: страховая компания застраховала 40% от общего количества полисов на всероссийском рынке ОСАГО, значит на ее же плечи ляжет 40% объема выплат по договорам, которые заключены другими участниками перестраховочного пула.

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Страхование через пул для агентов. Плюсы и минусы

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Официально новая система действует больше недели, страховщики ОСАГО не торопятся работать по-новому. Хотя перестрахование рисков в подобных случаях, когда речь идет о работе с высокоубыточными клиентами, - традиционный инструмент, позволяющий  повысить финансовую устойчивость страховщиков.

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Тех, кто уже делает первые шаги в этом направлении можно условно разделить на три группы:

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Часть страховых компаний еще не работает в пуле. Это обусловлено рядом причин: идет отладка IT-систем, калибровка бизнес-процессов и т.д. Кто-то просто занял выжидательную позицию и присматривается как идет процесс вхождения в пул у конкурентов.

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Несмотря на то, что ждать комиссии по полисам, переданным на перестрахование, не приходится, положительные моменты для агентов все-таки есть. Новый механизм должен стать универсальным средством, позволяющим работать с любыми категориями клиентов. Система «Е-Гарант» не решала  проблем юридических лиц, а ведь там самые лакомые куски для агентов автострахования. Пусть сегодня вы застрахуете парк маршрутных такси без комиссии, но завтра-послезавтра ситуация может измениться”. Работа на перспективу — не самое плохое занятие. 

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Страховать всех клиентов без исключения, пусть даже без комиссии, лучше, чем терять совсем. Молодой водитель станет старше, человек продаст старое авто и купит другое, КБМ у виновника аварии тоже не всегда будет «отрицательным», но это уже будут ВАШИ клиенты. Клиентская база будет расти, в результате вырастут и доходы. И вам не придется ломать голову, к “красному”, “синим” или “зеленым” сегментам ОСАГО они относятся. Кроме того снимется еще один фактор риска. Как известно автогражданка - обязательный вид страхования. Отказывать в заключении договора ни агент, ни, тем более штатный сотрудник страховой компании, права не имеет. А тут как ни бейся, полис не проходит. Хорошо еще если клиент просто уйдет, а ведь может и написать жалобу руководству или в Центробанк.

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Еще одно обстоятельство, которое делает новую систему не очень комфортной для агентов. Наши «любимые допы». Мы уже столкнулись с тем, что страховые компании требуют оформления дополнительных страховок вместе с ОСАГО, которое передается в пул.  Стоимость их сейчас колеблется в среднем от полутора до трех тысяч рублей. Несложно догадаться, какой «восторг» эта информация вызовет у клиентов, и кто будет громоотводом в этой ситуации. Здесь многое будет зависеть от вас. К «допам» люди уже более-менее привыкли, к тому же для человека, который пытается застраховаться несколько недель, а то и месяцев подряд, небольшая доплата уже не так катастрофична.  К тому же смотря, что и как предлагать. Когда «Е-Гарант» только заработал, к полисам ОСАГО тоже требовали продавать «доброволку». Вместе с ними, в том числе, предлагали и застраховать гражданскую ответственность собственника квартиры. Запомнился один клиент, который сначала тоже высказал свое «фи», а через полгода пришел «посоветоваться». Он пролил соседей, и тот «добровольно-принудительный» договор стал для него палочкой-выручалочкой. Выплаты хватило на то, чтобы компенсировать соседям ущерб, да еще и нервотрепки удалось избежать. Так как все вопросы его оппоненты решали со страховщиком.

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Перестраховочный пул на Пампаду

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Переговоры со страховыми компаниями ведутся и часть из них уже дала добро на работу с нашей платформой. Технически для агента ничего не изменится. Необходимо зарегистрироваться. Заходите в личный кабинет, вносите необходимую информацию и делаете расчет. Если клиент окажется из категории “не сегмент”, появится метка — страховщик может взять на себя за него ответственность только через пул и нужно ли заключать при этом какой-либо полис дополнительно. Расчет ОСАГО и «допа» делается автоматически. Сумму, которая получится в итоге, озвучиваете клиенту. Потом переходите к оплате. Платеж по этим договорам делается одновременно по ссылке, которая формируется в системе. После этого на почту придет не один комплект документов, а два: ОСАГО и тот, который оформили вместе с ним.

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Надеемся, что новая политика это именно то средство, которое решит проблему всех  владельцев транспортных средства, которые сейчас не могут застраховаться. Решится проблема владельцев старых авто, молодых водителей и т.д. Клиенты будут спокойно ездить по дорогам, понимая, что они защищены, а агентам не придется гадать на кофейной гуще в поисках того, кто застрахует водителя из группы риска.

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С картой Tinkoff Drive можно менять кэшбэк бонусами на рубли по курсу один к одному и экономить на топливе и страховке авто. Вот немного расчетов из нашей практики.

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25 000 бонусов — столько можно заработать за год

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Мы подсчитали, что в среднем владелец дебетовки Tinkoff Drive каждый месяц тратит примерно 35 000 ₽ на повседневные покупки — продукты, одежду, развлечения. И 10 000 ₽ — на бензин. Это приносит 1350 бонусов в месяц, или 16 200 бонусов в год:

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Добавим сюда крупные ежегодные траты на страховку и техническое обслуживание. Например, для автомобиля Е-класса 2019 года — в среднем 108 000 ₽ в год. Получится еще 8800 бонусов в год:

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Суммируем кэшбэк за ежемесячные и ежегодные расходы — получается почти 25 000 бонусов за год. Этого хватит на несколько ТО автомобиля или на комплект зимних шин.

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Если хотите так же — оформите дебетовую карту Tinkoff Drive. А мы расскажем, как ею правильно пользоваться, чтобы покрывать расходы на автомобиль.

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До 30% вернется за обычные и автопокупки

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За любые покупки по карте часть денег вернется бонусами:

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Еще есть повышенные бонусы для всех клиентов Тинькофф:

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Бонусы живут 3 года.

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Бонусы → рубли по курсу 1:1

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Бонусы нужны, чтобы возвращать деньги за покупки на АЗС, в категории «Автоуслуги» и за любой полис Тинькофф Страхования.

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Бонусы начисляем в день выписки, ими сразу же можно пользоваться. В приложении покажем, за какие покупки можно вернуть деньги и хватает ли для этого бонусов. Достаточно найти нужную покупку в списке операций по карте и нажать «Компенсировать» — мы спишем бонусы, а рубли моментально зачислим на счет.

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Минимальная сумма, которую можно обменять на рубли, — 1000 бонусов. Выгоднее всего так менять бонусы на покупки от 1000 ₽ в категории «Автоуслуги» и в Тинькофф Страховании. Тогда за 1 бонус вернете 1 рубль. За покупки на АЗС курс другой: 1,5 бонуса = 1 рубль.

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Например, чтобы вернуть деньги за химчистку салона стоимостью 1000 ₽ нужно 1000 баллов. А чтобы вернуть деньги за бензин на 1000 ₽, потребуется 1500 баллов.

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Чтобы использовать бонусы, в приложении Тинькофф выберите раздел «Еще» в нижнем правом углу экрана → «Бонусы» → «Баллы Tinkoff Drive» → «Использовать баллы». В личном кабинете на tinkoff.ru выберите карту Tinkoff Drive и перейдите на вкладку «Баллы».

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В приложении Тинькофф покупки, которые можно компенсировать баллами, отмечены синим значком
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Зачем делать карту основной

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Tinkoff Drive принесет много бонусов тем, кто будет пользоваться картой постоянно. Чтобы полностью получить бонусы за АЗС (10%), на обычные покупки по карте нужно потратить в два раза больше, чем на заправке. Чтобы получить все бонусы за автоуслуги (5%) — потратьте столько же на обычные покупки.

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Например, вы потратили 10 000 ₽ на АЗС и еще 15 000 ₽ — в категории «Автоуслуги». Чтобы получить все бонусы в этих категориях, вам нужно потратить на обычные покупки 35 000 ₽.

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На самом деле все просто: чтобы не задумываться об этих расчетах, сделайте Tinkoff Drive своей основной картой и оплачивайте ею все свои привычные покупки.

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Чтобы узнать, сколько еще нужно потратить по карте, чтобы получить максимум бонусов в этом расчетном периоде, нажмите на знак вопроса
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И кратко о приятных мелочах

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  1. Удобное мобильное приложение для решения всех вопросов — очереди в отделениях не для вас.
  2. Круглосуточная поддержка в приложении, на сайте или по телефону — пишите в чат или звоните на бесплатный номер.
  3. Бесплатный выпуск карты и доставка. Мы бесплатно доставим карту по России, привезем ее домой или в офис. Время тоже выберем подходящее для вас. Представитель приедет в защитной маске.
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Оформляйте Tinkoff Drive своим клиентам и зарабатывайте!

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Клиент получит два месяца бесплатного обслуживания. С третьего месяца обслуживание тоже будет бесплатным, если ежедневный остаток на карте выше 50 000 ₽. Иначе стоимость обслуживания — 299 ₽ в месяц, но и эти деньги он быстро отобьет, просто расплачиваясь картой за обычные покупки.

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Оформить
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? Мы продолжаем делиться с вами кейсами по корпоративному страхованию, которые были оформлены через Пампаду.

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Сегодня поговорим о страховании строительно-монтажных рисков. Ранее у нас вышла обучающая статья по данному виду корпоративного страхования.

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? Запрос агента:

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«Между заказчиком и исполнителем есть договор. Необходимо оформить полис СМР на следующие риски: пожар и вандализм (урон от третьих лиц), финансовые риски инвестора. Что можете предложить?»

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После заполнения общей анкеты по СМР наши менеджеры направляют ее в подходящие страховые компании. В течение 1-2 рабочих дней агент получил предложение от 4 СК: Гелиос, Альфа Страхование, Ингосстрах и Согласие

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Для агента решающим фактором было комиссионное вознаграждение с оформления полиса СМР, поэтому решили остановиться на предложении от Согласия. Страховая давала 20% комиссии при стоимости полиса в 45 000 р. Срок действия полиса - 1 год

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? КВ агента по данной заявке составило - 9 000 р.

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У данного агента договор между Исполнителем и Заказчиком заключен на 2,5 года, поэтому агент может пролонгировать полис еще 2 раза (первый на срок 1 год, второй на срок до 7 месяцев). Полис можно оформить сразу на весь срок договора подряда, Заказчик решил разбить срок оформления из-за финансовых рисков.

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Стоит отметить, если вашего клиента не устраивает страховая премия, но устраивает страховая компания - можно сократить стоимость полиса, наши менеджеры помогут с этим.

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Если вас заинтересовал данный вид страхования и вы хотите ознакомиться с СМР и узнать, где искать клиентов. Наш эксперт уже ответил на ваши вопросы в статье ;)

\n', 'Кейс заработка агента по страхованию строительно-монтажных рисков', ' Мы продолжаем делиться с вами кейсами по корпоративному страхованию, которые были оформлены через Пампаду.', 'publish', 'open', 'open', '', 'kejs-po-strahovaniyu-stroitelno-montazhnyh-riskov', '', '', '2022-05-11 10:51:42', '2022-05-11 10:51:42', '', 0, 'https://pampadu.ru/blog/?p=1396', 0, 'post', '', 0), (1397, 13, '2022-05-11 10:51:11', '2022-05-11 10:51:11', '', 'Строительно-монтажные риски', '', 'inherit', 'open', 'closed', '', '1039h498-14', '', '', '2022-05-11 10:51:11', '2022-05-11 10:51:11', '', 1396, 'http://pamtest.ru/wp-content/uploads/2022/05/1039h498-2.jpg', 0, 'attachment', 'image/jpeg', 0), (1400, 1, '2022-05-18 16:39:08', '2022-05-18 16:39:08', '\n

С сегодняшнего дня мы запускаем МЕГАакцию среди своих агентов — начисляем от 500 до 9 000 рублей за рост продаж. Не упустите возможность заработать больше, оформляя полисы ОСАГО, КАСКО и Ипотеки. 

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Условия участия

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Оформляйте в период с 18.05.22 по 30.06.22 (44 дня) на 3, 6 или даже 9 полисов больше, чем за аналогичный предыдущий период с 04.04.22 по 17.05.22 (44 дня). И получайте бонусные вознаграждения от Пампаду на свой баланс.

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Пример

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Николай в период с 04.04.22 по 17.05.22 оформил 9 полисов ОСАГО, 0 полисов КАСКО и 3 полиса Ипотеки. 
Чтобы получить бонус по МЕГАакции, Николаю достаточно продать 12 полисов 
ОСАГО, либо 3 полиса КАСКО, либо 6 полисов Ипотеки. 
Чем больше продаж, тем весомее бонус!

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Размеры вознаграждений

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ОСАГО

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Оформи на 3 полиса больше и получи +500 рублей
Оформи на 6 полисов больше и получи +1 000 рублей
Оформи на 9 полисов больше и получи +2 000 рублей

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Ипотека

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Оформи на 3 полиса больше и получи +1 500 рублей
Оформи на 6 полисов больше и получи +3 000 рублей
Оформи на 9 полисов больше и получи +4 500 рублей

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КАСКО

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Оформи на 3 полиса больше и получи +3 000 рублей
Оформи на 6 полисов больше и получи +6 000 рублей
Оформи на 9 полисов больше и получи +9 000 рублей

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Если вы выполните условия по нескольким продуктам, то ваше вознаграждение будет суммировано. Например:  1500 рублей за 9 дополнительных полисов ОСАГО + 3 000 рублей за 6 дополнительных полисов Ипотеки = 4 500 бонусных рублей на баланс ✅

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В рамках одного продукта бонус начисляется только один раз. Например: 2 000 бонусных рублей на баланс за 9 дополнительных полисов ОСАГО ✅ 

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Двойного вознаграждения в рамках одного продукта не предусмотрено. Например: 1 500 рублей за 9 дополнительных полисов ОСАГО + 500 рублей за еще 3 полиса ОСАГО = 2 000 бонусных рублей на баланс ❌

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Подведение итогов

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Срок действия акции — с 18.05.22 по 30.06.22. Подведение итогов состоится 04.07.2022 г. Результаты мы опубликуем в нашем Телеграм-канале 06.07.22. 

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Бонусы на баланс личного кабинета участников акции будут начислены до 10.07.22.

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Желаем удачи и хороших продаж!

С любовью к своему делу,
Команда Пампаду! ?

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Зарегистрироваться
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Общаясь с агентами, которые активно оформляют КАСКО через Пампаду онлайн, мы выделили несколько главных правил успешных продаж. Сегодня разберем каждое из них в рамках данной статьи.

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Кому нужно КАСКО 

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В отличие от обязательного страхования ответственности, КАСКО делается добровольно. Или добровольно-принудительно, если речь идет о залоговом авто.

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Чаще всего клиент — владелец автомобиля, взятого в кредит или в лизинг. Обычно в первый год автомобиль страхуется в салоне продавца в момент приобретения, а на второй и последующие годы клиент может застраховаться у вас. Причем часто люди ничего не знают о страховании кроме того, что ОСАГО требует государство, КАСКО – банк, и воспринимают и то, и другое как дополнительный налог.

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Вторая группа вероятных клиентов – владельцы машин, которым меньше 10 лет. В частности те, которые попадали в ДТП на себе испытали прелести ремонта по ОСАГО. Или прошедшие квест получения денег с виновника, у которого отсутствует автогражданка. 

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Пользуйтесь любой возможностью, чтобы понять потребности клиента. Поэтому в общении с теми, кто страхует ОСАГО, Ипотеку на квартиру, дом или иной объект недвижимости, имущество,страхует здоровье и жизнь выясняйте, не хотят ли они позаботиться о собственном авто и оформить автострахование. Клиенты часто ошибочно надеются на полис ОСАГО. Для них становится новостью, что это не так. Связано это с тем, что пострадавшие в ДТП часто обращаются за возмещением ущерба в свою страховую компанию. Напомните, что на дорогах России, к сожалению, большое количество водителей, чья ответственность не застрахована.  Получить от них компенсацию расходов на ремонт зачастую серьезная проблема. Заострите внимание автовладельца на том, что только КАСКО защитит его интересы должным образом, подробнее расскажите о том, какие есть варианты. Кстати, большую часть таких договоров наши агенты заключили именно с теми, кто обратился к ним за оформлением полисов ОСАГО. Это еще раз подтверждает, что автогражданка прекрасное средство начать диалог с клиентом.

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Иногда человек отказывается, еще не дослушав до конца – срабатывает шаблон: «КАСКО – это дорого!» Предложите рассчитать стоимость, иногда результат непредсказуем. Так, например, недавно удалось застраховать новенькую АУДИ Q8 на 9,5 миллионов рублей за 150 000 руб.

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Часто, кто-то оформляет КАСКО через офис банка, в салоне или напрямую в страховой компании и не знает, что полис можно купить дешевле без больших финансовых затрат. В этом случае с вашей помощью клиент может выполнить требование банка, а также сэкономить время и деньги. Уточните у него данные для формирования заявки и напомните о том, что первичная консультация бесплатная. Личный кабинет на Пампаду позволяет сделать котировку тарифа сразу в нескольких компаниях, аккредитованных в \"нужном\" банке, найти и предложить несколько вариантов на выбор. Лучше не ограничиваться одной компанией – у человека могут быть личные причины, из-за которых он откажется от взаимодействия с этим страховщиком. А вы в этом случае потеряете клиента. 

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Если клиент отказывается по причине отсутствия времени, предложите ему оперативно зарегистрироваться через мобильную версию сайта, аргументируя это скоростью обработки заявки и ее постановки на учет. Можно оперировать фактами на подобие: «Это займет буквально пару минут». 

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Потребности клиента

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В первую очередь задайте вопрос, для чего нужна страховка и на какой бюджет рассчитывает владелец машины. Релевантные вопросы помогают повысить продажи продуктов. Узнайте, был ли опыт страхования КАСКО у него раньше. Некоторые страховщики дают скидки не только при переходе к ним клиента из другой страховой компании, но и при наличии любого страхового полиса добровольного страхования автомобиля, оформленного этим же страхователем. Иногда страховку делают только ради требований банка. В этом случае человеку в принципе все равно какие будут условия, и какая страховая компания выдаст полис.  Лишь бы его принял банк. Не стоит предлагать ему программу с полным набором страховых рисков. Общая стоимость такого полиса бывает весьма существенной. 

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Проверьте требования указанного банка к страхованию. Предложите клиенту свои услуги, сделайте расчеты частичного или с франшизой, распечатайте и покажите проекты договоров страхования. Объясните преимущества каждого из них и уточните, какой наиболее актуален. Предложите рассмотреть самый бюджетный вариант с двумя рисками: тотал + угон. Банки охотно принимают такие полисы, хотя выплата по ним возможна только в самых крайних случаях. Зато серьезно снижает расходы. Помогите человеку разобраться, какие есть варианты. Объясните выгоду каждого из них на конкретных примерах. Напомните, что страховое покрытие включает в себя несколько видов рисков, а не только ДТП и угон.  Расскажите, как происходит выплата страхового возмещения. Покажите свой уровень профессионализма в страховании, ведь профессионализм - верный путь к большим продажам. 

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Работа с возражениями

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Все клиенты ищут страховку подешевле, но при этом часто не задумываются над нюансами договора страхования, который подписывают. В них вникают потом, когда что-то случается и приходится обратиться за выплатой. Если вы предложили человеку полноценный полис, а он безапелляционно заявляет, что есть более интересное и дешевое предложение, не опускайте руки сразу. Узнайте какие условия страхования предложили конкуренты. Иногда все объясняется тем, что в другом варианте серьезно занижена страховая сумма. Я однажды предложила клиенту полис за семьдесят тысяч рублей, а менеджер автосалона за пятьдесят. В итоге выяснилось, что стоимость авто в моем \"дорогом\" варианте составила три миллиона рублей, а в \"выгодном\" предложении полтора. Да еще и с франшизой. Где на самом деле менее выгодно, думаю, вы догадались. 

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Если владелец транспортного средства продолжает настаивать на минимизации расходов поинтересуйтесь: «Когда вы приходите в магазин, ищете не самый дешевый товар. Или тот, который для вас оптимален в соотношении цены и качества». Например, в описанной мной ситуации я задала клиенту вопрос: “Сколько стоит ваша машина?” Оказалось, на авито счет идет от двух с половиной миллионов. Можно сэкономить при заключении договора немного денег, а потом потерять гораздо больше.

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Часто бывает так, что клиент кивает головой, соглашается, страховать свой автомобиль нужно, но положительное решение принимать не торопится: \"Лишних денег нет, надо подумать, не готов пока платить и т.д.\"  В этом случае имеет смысл говорить о видах «облегченных» полисов:

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Предложите сравнить стоимость авто и цену страховки. Есть хороший способ, который называют “Дробление”. Разделите на калькуляторе сумму годового взноса на 12 месяцев. Или на 365 дней.  Покажите сколько денег понадобится для полноценной защиты машины в день или в месяц. Может оказаться, что сумма не так уж велика. Гораздо меньше, чем потребуется на то, чтобы отремонтировать эту или приобрести новую, если она серьезно пострадает в ДТП от незастрахованного водителя.

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Не забывайте – право выбора есть у каждого. Дайте клиенту возможность его реализовать. Обсуждение условий еще не отказ. Чем больше вариантов вы предложите человеку, тем больше шансов, что он выберет какой-либо из них. Если клиент не готов внести всю сумму за страховку сразу сделайте полис с разбивкой оплаты на два или три взнос. Возражения - это норма при продажах. Правильная работа с клиентами и их сомнениями является ключом к успешной продаже продукта. Как правило, страховые компании нанимают сотрудников, которые теряются при спорах с клиентами и срывают потенциальные сделки. Ваша же основная задача - взять их сомнения, превратить в уверенность и правильно продать продукт. Советуем регулярно проводить тренинги для персонала. Простое и эффективное обучение сотрудников простым правилам работы с клиентами - это небольшой вклад для большого будущего компании. Если вы уже успешны в этом деле, можете самостоятельно подготовить материалы, по которым они будут заниматься обучением. Как автор статьи, я призываю вас, стать тем, кто действительно хочет помочь обратившемуся к вам человеку и быть с ним честным. Не нужно использовать щекотливые темы и прочие сомнительные методики продаж. Покажите себя с хорошей стороны, и тогда пользователь станет вашим постоянным агентом. Когда он получает выгоду, вы двигаетесь в правильном направлении. 

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Сопровождать клиента на всех этапах

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Станьте настоящей поддержкой клиента! Выступайте в роли эксперта.  Консультируйте, подсказывайте, как сэкономить в его случае, и давайте ответы на все вопросы. Не стесняйтесь давать советы. Помогайте с внесением изменений в полис, поддержите в разрешении споров по выплатам при наступлении страхового случая. Просто используйте все возможности. Дополнительный сервис – неотъемлемая составляющая работы страхового агента. Подумайте, какие сопутствующие услуги вы можете оказывать. Например, я разрешаю своим клиентам звонить мне в любое время, если что-то случилось, в том числе ДТП. Мой телефон на связи всегда. За 16 лет практики ночных звонков было два или три, ничего страшного в этом нет. Но люди при этом чувствуют себя гораздо спокойнее. Они понимают, что не останутся со своими проблемами один на один. Это важно. Не путайте с сопутствующими товарами. Если человек до сих пор сомневается в покупке ваших услуг, а вы при этом со всей силой стараетесь ему предложить оформить еще и другой полис, это может создать в его глазах дурное впечатление о вашей организации. Чересчур активные продажи могут помешать развитию вашего бизнеса. 

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И, конечно, не забывайте напомнить о сроках пролонгации полиса. Хороший сервис – залог успеха бизнеса. Благодарный клиент обязательно вернется к вам в следующий раз и приведет друзей и знакомых. А, как известно, рекомендации и отзывы – лучшая реклама для страхового агента. Дела пойдут в гору, если о вашей компетентности пойдет молва. Больше о вас знают - больше покупают. Больше покупают - больше доход. Это очевидно. 

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Также важно доказать клиенту выгодность от работы с вами в плане времени. Например. расскажите ему об удобстве использования вашего сайта. Что ему достаточно просто заполнить удобную форму в сети интернет и дождаться ответа. Убедите его в финансовой и информационной безопасности. Скажите, что вы придерживаетесь политики конфиденциальности - клиенту должно быть с вами очень приятно и спокойно работать, поэтому старайтесь донести это до него.

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Преимущества, которые дает оформление франшизы и дополнительные опции

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Франшиза в КАСКО - это часть расходов, которую на себя берет клиент, когда наступает страховой случай. Предложите клиенту действующие тарифы. Это поможет заинтересовать его. Выгода в том, что чем больше франшиза, тем меньше стоимость КАСКО. К примеру, страховая компания оценила ущерб и повреждения тс после аварийной ситуации в 100 000 рублей. При франшизе в 50 000 рублей, страховая компенсирует тоже 50 000. 

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Советуем давать клиентам возможность оформления полиса в рассрочку. К примеру, одна половина оплачивается сразу, а вторая дробится на 3 месяца ежемесячного платежа. Таким образом, клиенту не придется переплачивать, и он сможет приобрести КАСКО, даже если в данный момент у него нет достаточного количества денежных средств. Необходимо предоставить возможность выбора, чтобы эффективно продавать КАСКО и при этом самим не нести убытков.

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Хорошим спросом будет пользоваться услуга “Экспресс КАСКО”. Ее суть заключается в том, что клиент может без предварительного осмотра автомобиля оформить КАСКО за 50% от стоимости полиса. Однако, выплата будет осуществляться только по нескольким выбранным случаям. Например, хищение, аварии или ДТП. Если пользователь боится угона - он будет от него защищен страховкой. Выберите, какие противоправные действия лиц будут входить в программу “Экспресс КАСКО” и предложите их. 

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Как рассчитывается КАСКО?

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Клиент должен знать, как рассчитывается КАСКО , чтобы у него не возникало никаких сомнений в честности компании. Расскажите ему, что влияет на стоимость: 

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  1. Информация об автомобиле. Список нужной информации:  марка, модель, модификация, мощность, год выпуска, объём двигателя, пробег, стоимость авто, регион регистрации владельца транспортного средства
  2. Модель противоугонного устройства
  3. Риски — угон, ущерб и хищение или Ущерб. Также нужно указать, автомобиль имеет леворукое или праворукое управление
  4. Если планируется оформление для кредитного автомобиля, это тоже следует включить
  5. Для ранее застрахованных ТС укажите срок и процент убытков, если они были. Это позволит клиенту сэкономить
  6. Данные водителей. Потребуются ФИО, электронная почта, номер телефона. При ограниченном количестве водителей укажите информацию о каждом: пол, возраст, стаж вождения, семейное положение, наличие детей. При неограниченном — минимальный возраст и стаж.
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Для оформления нужно предоставить следующие документы:

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  1. Паспорт страхователя
  2. Паспорт ТС
  3. Водительские права всех, кто будет управлять автомобилем
  4. Свидетельство регистрации транспортного средства
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Полезная информация, которую следует рассказать клиенту 

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Если человек уже подписал соглашение на оформление, то вам следует проконсультировать его по поводу поведения во время наступления страхового случая. Передайте ему следующую информацию.

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ДТП

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  1. Нужно остановить автомобиль, включить аварийную сигнализацию и выставить знак
  2. Позвонить в страховую, описать происшествие и примерный размер ущерба
  3. Вызвать ГИБДД
  4. Получить в ГИБДД документы по факту установленного ДТП
  5. Обратиться в страховую по телефону или через сайт
  6. Ждать выплаты по обращению после обработки заявки
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Противоправные действия

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  1. Обратиться в полицию
  2. Получить все документы, подтверждающие акт нанесения вреда автомобилю или его угон. 
  3. Обратиться в страховую по телефону или через сайт 
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Пожар

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  1. Предпринять меры, которые помогут минимизировать объем ущерба третьим лицам. 
  2. Обратиться в МЧС
  3. Получить документы, подтверждающие причиненный ущерб, обстоятельства происшествия от пожарной службы МЧС
  4. Обратиться в страховую по телефону или через сайт
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Природные условия

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  1. Обратиться в полицию или МЧС (в зависимости от категории погодного явления)
  2. Если сход снега повредил автомобиль, то нужны документы из полиции. Если град, то из метеостанции
  3. Обратиться в страховую по телефону или через сайт
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Заключение

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Некоторые агенты по разным причинам отправляют заявки на расчет страховки, оставляя контакты клиента, а не свои. Нередко такие заявки не дают результата. Клиенты могут не брать трубку с незнакомого номера, пропустить звонок. Или с недоверием отнестись к просьбам менеджера сопровождения заявки прислать документы для расчета. Если сотрудник страховой компании должен напрямую связаться с вашим клиентом, обязательно предупредите его об этом и получите согласие на звонок. Многие отнесутся к этому гораздо лояльнее, если на осмотр автомобиля вместе с сотрудником страховой компании приедете и вы. Таким образом постепенно вы создадите себе имя и репутацию в сфере автострахования, которые потом будут работать на вас.

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Подводя итоги хочется сказать: не отключайтесь от процесса расчетов и оформления страховки. Работа в тандеме с менеджером обязательно принесет свои плоды. И постоянно обучайтесь. От того, насколько вы компетентны, напрямую зависит ваш заработок. Рынок не стоит на месте, появляются новые программы страхования автотранспорта. И может оказаться так, что машина, которую не смогли застраховать вчера, будет застрахована сегодня под хороший процент.

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Желаем успешных продаж!

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С заботой о вас,
Команда Пампаду! ?

\n', 'Как агентам успешно продавать КАСКО', 'Общаясь с агентами, которые активно оформляют КАСКО через Пампаду, мы выделили 3 главных правила успешных продаж. ', 'publish', 'open', 'open', '', 'kak-agentam-uspeshno-prodavat-kasko', '', '', '2022-05-19 14:32:01', '2022-05-19 14:32:01', '', 0, 'https://pampadu.ru/blog/?p=1420', 0, 'post', '', 0), (1421, 13, '2022-05-19 14:12:01', '2022-05-19 14:12:01', '', '1039х498', '', 'inherit', 'open', 'closed', '', '1039h498-15', '', '', '2022-05-19 14:12:01', '2022-05-19 14:12:01', '', 1420, 'http://pamtest.ru/wp-content/uploads/2022/05/1039h498-3.jpg', 0, 'attachment', 'image/jpeg', 0), (1424, 15, '2022-06-02 12:46:41', '2022-06-02 12:46:41', '\n

Первые итоги работы перестраховочного пула. Атаки хакеров на сайты страховщиков. Проблемы и перспективы страхового рынка. Актуальные виды страхования и бесплатное ОСАГО. Информация для страховых агентов.

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Перестраховочный пул. Первый месяц работы.

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С апреля вступил в силу закон о перестраховочном пуле. Страховщики повели себя по-разному. Одни заработали в новой системе с первых дней, другие решили с этим не торопиться. Но даже при таком подходе перестраховочный пул набирает обороты. По состоянию на 30 мая он составлял 14% от рынка ОСАГО, что на 8% превышает долю Е-Гаранта. В него уже передали более 560 тысяч договоров. Постепенно все больше компаний включаются в работу в рамках новой системы. Ситуация, возможно, осложняется тем, что непонятно как будут меняться цены на запчасти и стоимость ремонта. На сегодняшний день действует мартовская редакция справочника РСА, в которой стоимость деталей указана без учета их роста. Изменения методики планируется провести 19 июня этого года, а следующее уже осенью. Предполагается, что они будут учитывать не только инфляцию, но и рост дефицита запчастей, проблемы с их поставкой, сложности с валютными платежами и т.д.

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Хакерские атаки на сайты российских страховщиков

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С конца прошлой недели сайты российских страховых компаний стали мишенью для крупномасштабных хакерских атак. Их следствием стали проблемы с доступом как у агентов, так и у самих страхователей. По данным АСН, за этим стоит сеть хакеров, организованная украинскими властями. Вследствие этого вмешательства был вызван лавинообразный рост запросов к онлайн-ресурсам страховщиков. Что в итоге препятствовало доступу к ним реальных пользователей.

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Износ в ОСАГО отменять не будут

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Законопроект, внесенный “Справедливой Россией” об отмене учета износа в ОСАГО предложили отменить. Ранее сообщали, что страховщики, Минфин и Центробанк договорились о ключевых изменениях в системе ОСАГО. В том числе речь шла об увеличении страховой суммы по выплатам за ущерб жизни и здоровью, а также запрете учета возраста автомобиля при расчете размера ущерба. Эти информация была обнародована до 24 февраля этого года. В сложившейся ситуации комитет ГД по транспорту внес предложение отложить принятие проекта до тех пор, пока не предоставят расчеты, которые покажут, насколько вырастут тарифы после кто утверждения

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ОСАГО для беженцев

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С 5 апреля тем, кто приехал в Россию на автомобиле, зарегистрированном в Украине, необходимо приобретать полисы ОСАГО. Именно с этого дня перестали действовать на нашей территории Зеленые карты”, независимо от того, когда их оформили. Депутат Госдумы Николай Новичков предложил выдавать ОСАГО беженцам на три месяца бесплатно в связи с их тяжелым финансовым положением. В РСА эту инициативу не поддержали. В свою очередь они предлагают дать трехмесячную отсрочку на оформление автогражданки тем, кто въезжает на территории России ДНР, ЛНР или с Украины. В течение этого времени выплаты тем, кто пострадает в ДТП с беженцами предполагается делать за счет РСА с последующей компенсаций этих затрат из бюджета.

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ДМС в приоритете

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Согласно опросу, проведенному медсервисом “Доктор рядом” и сайтом для поиска работы HeadHunter, все больше сотрудников при трудоустройстве интересуются, есть ли ДМС в компании работодателя. Некоторые считают этот фактор основным при выборе места работы. Причём многие готовы частично оплатить его за свой счет. С учетом роста цен на все, в том числе и на медицинские услуги, востребованность этого вида страхования будет расти и дальше.

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Страхование имущества от ЧС и не только

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Министерство финансов подготовило Законопроект, который обязывает регионы разработать программы обязательного страхования имущества от ЧС. Минфин считает, что это будет более доступно для людей, чем коммерческое страхование. В настоящее время таких программ пока нет, поэтому говорить о том сколько будет стоить полис, как будут определять страховую сумму и т.д. еще рано. Но, в любом случае, интерес к страхованию имущества растет. Не стоит забывать, что большая часть многоквартирных домов построена довольно давно, коммуникации все чаще выходят из строя. Вероятность проливов растет. Согласно статистическим данным компании “Югория” именно от этого страдают более 90% их клиентов. Поэтому данный вид страхования становится все актуальнее и спрос на него растет.

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Как мы видим, несмотря на то что в связи с последними событиями в стране и в мире страховая отрасль так же, как и другие столкнулась с рядом проблем, положительные моменты тоже присутствуют. Повышается востребованность таких страховых продуктов, как ДМС, имущественное страхование и т.д. Спрос рождает предложение. Осваивайте новые направления и повышайте свой доход. А Пампаду вам в этом поможет!

\n', 'Дайджест новостей рынка страхования. Начало Июня', 'Полезные новости для страховых агентов. Перестраховочный пул – первый месяц работы. Хакерские атаки на сайты страховщиков. ', 'publish', 'open', 'open', '', 'dajdzhest-novostej-rynka-strahovaniya-nachalo-iyunya', '', '', '2022-06-02 12:46:41', '2022-06-02 12:46:41', '', 0, 'https://pampadu.ru/blog/?p=1424', 0, 'post', '', 0), (1425, 13, '2022-06-02 12:45:43', '2022-06-02 12:45:43', '', 'Новости для страховых агентов', '', 'inherit', 'open', 'closed', '', '1039h498-2-2', '', '', '2022-06-02 12:45:43', '2022-06-02 12:45:43', '', 1424, 'http://pamtest.ru/wp-content/uploads/2022/06/1039h498-2.jpg', 0, 'attachment', 'image/jpeg', 0), (1437, 12, '2022-06-15 07:44:08', '2022-06-15 07:44:08', '\n

На Пампаду подключены «ReBuy» и «Пульсар» — новые программы страхования ОСАГО от СК Альфа. И теперь проходимость ОСАГО и комиссионное вознаграждение ощутимо возросли. Расскажем подробнее, что это такое и в чем польза для агента.

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«ReBuy» и «Пульсар» — что это такое

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Новые программы мотивации «ReBuy» и «Пульсар» выделены из категории «Новый бизнес (первичка)» и добавлены к ранее созданным «Пролонгации» и «Зеленому коридору». Их действие также распространяется только на авто категории B и собственников физлиц. 

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«Пульсар» — предполагает возврат рентабельного клиента в страховую компанию спустя год или два. А именно клиентов, у которых:

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«ReBuy» — рассчитана на удержание текущих клиентов, особенно при смене автомобиля. Поэтому учитывает наличие у собственника ТС действующего или закончившегося не более 90 дней назад договора ОСАГО на другой автомобиль, но не более двух.

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В чем преимущества новых программ в сравнении с «Новым бизнесом»:

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Признаки программ страхования на скоринге ОСАГО

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Чтобы оформить полис по «ReBuy» или «Пульсар», никаких дополнительных сведений заполнять не нужно. Страховая компания сама определит, под какую программу подпадает клиент и на скоринге ОСАГО укажет нужный признак (см. ниже). 

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Обратите внимание: все признаки размечены ссылками, при наведении курсора можно ознакомиться с кратким описанием и найти ссылку на подробную презентацию.

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Где найти размер вознаграждений по новым программам

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Ознакомиться с размером вознаграждений по новым программам страхования можно в разделе «Моя комиссия» (см. скрин ниже).

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Обратите внимание: правила страхования могут разниться от региона к региону. В большинстве из них размер вознаграждения по «ReBuy» и «Пульсар» выше, чем по «Новому бизнесу», но в некоторых может совпадать или быть немного ниже.

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С заботой о вас,
Команда Пампаду! ?

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Сезон отпусков в разгаре, и многие озадачены страхованием собственного автомобиля. Кому-то нужна страховка в путешествии, а кто-то боится угона в период своего отсутствия. Но урезать отпускной бюджет на достаточно большую сумму готов не каждый, поэтому сейчас особо востребованы экономичные варианты КАСКО.

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Предложите таким клиентам самое выгодное КАСКО на период отпуска. К примеру, с ограничением пробега, рассрочкой платежа или периодом страхования на три или даже один месяц!

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При общении с менеджером по заявке обязательно попросите рассчитать «КАСКО в отпуск». Вам подскажут все возможные способы экономии, рассчитают оптимальные и помогут оперативно оформить полис. Только наши менеджеры знают, как оформить классическое КАСКО стоимостью всего в 10-15 тысяч рублей!

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Успешных вам продаж!

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С любовью к своему делу,
Команда Пампаду! ?

\n', 'Выгодное КАСКО на отпускной сезон', 'Лето в разгаре, и многие озадачены страхованием автомобиля на период отпуска. Предложите таким клиентам самое выгодное КАСКО на отпускной сезон.', 'publish', 'open', 'open', '', 'vygodnoe-kasko-na-otpusknoj-sezon', '', '', '2022-06-27 21:09:55', '2022-06-27 21:09:55', '', 0, 'https://pampadu.ru/blog/?p=1446', 0, 'post', '', 0), (1447, 1, '2022-06-27 20:54:42', '2022-06-27 20:54:42', '', 'Как оформить КАСКО через Пампаду с максимальной выгодой', '', 'inherit', 'open', 'closed', '', '1080h607', '', '', '2022-06-27 20:54:42', '2022-06-27 20:54:42', '', 0, 'http://pamtest.ru/wp-content/uploads/2022/06/1080h607.jpg', 0, 'attachment', 'image/jpeg', 0), (1449, 1, '2022-06-27 21:15:35', '2022-06-27 21:15:35', '', 'Как оформить КАСКО через Пампаду с максимальной выгодой', '', 'inherit', 'open', 'closed', '', '1080h607-2', '', '', '2022-06-27 21:15:35', '2022-06-27 21:15:35', '', 0, 'http://pamtest.ru/wp-content/uploads/2022/06/1080h607.png', 0, 'attachment', 'image/png', 0), (1452, 1, '2022-06-28 12:47:40', '2022-06-28 12:47:40', '\n

Новые продукты, акции и достижения наших агентов!

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Каждый день мы публикуем последние новости в нашем Телеграм канале, в котором уже почти 9 тыс. агентов и партнеров, зарабатывающих с Пампаду. Подпишитесь, чтобы узнавать первыми! --> Подписаться

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А теперь к новостям!

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1. ? Подготовили бесплатный вебинар «Возможности сервиса Пампаду: фишки, лайфхаки и инструменты для агентов». Спикер вебинара — Анна Баринова, наш самый опытный аккаунт-менеджер с 15-летним опытом в страховании: 

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— презентует обновленный функционал платформы, 
— поделится лайфхаками, как повысить проходимость ОСАГО и сэкономить время на оформлении, 
— подскажет, какие сервисы и инструменты наиболее полезны для работы страхового агента,
— ответит на все вопросы участников вебинара.

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Начало: ⏰ 30 июня в 16-00 по МСК в нашем Telegram-канале

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Готовьте ваши вопросы, вы сможете задать их в конце эфира!

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Присоединяйтесь к Telegram-каналу Пампаду


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2. ?Подключили новый продукт мини-КАСКО. Он уже доступен первым пользователям и в ближайшие дни будет открыт для всех. Преимущества оформления на Пампаду: 

✅ 7 программ страхования от 3 компаний: Альфа, ВСК и Согласие,
✅ полностью онлайн за 5 минут,
✅ оформление без осмотра и загрузки документов,
✅ комиссионное вознаграждение 20-25%.
✅ защитит от бесполисных водителей по ОСАГО и угона.

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Подробнее про мини-КАСКО


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3. ? Расширили список банков и повысили комиссию по страхованию ипотеки. Теперь на Пампаду доступны к страхованию ипотечные кредиты 27 ведущих банков от 4 страховых компаний. Перечень пополнился следующими банками:

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— МИнБанк
— Банк Россия
— Банк СГБ
— Банк ЗЕНИТ
— НОВИКОМБАНК
— ВБРР

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Оформляйте полисы ипотеки с КВ, повышенным до 40%, участвуйте в акциях и зарабатывайте еще больше! Узнать про текущие акции вы можете в нашем Телеграм-канале.

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Перейти в кабинет


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4. ? Произвели обновления финансовых офферов: 

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— Увеличили вознаграждение по дебетовым картам Открытие до 1400 руб. 
— Добавили кредитные карты Тинькофф Drive и Тинькофф Platinum 
— Восстановили работоспособность финансовых офферов от Альфа-Банка

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Уже 35 финансовых продуктов доступно в личном кабинете. Многие агенты Пампаду уже активно зарабатывают на оформлении кредитных и дебетовых карт для своих клиентов в связке со страхованием и отдельно. Присоединяйтесь к обсуждению в специальном чате телеграм ? 

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Присоединится к чату


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5. ⚙ Исправили ошибки и улучшили продажи ОСАГО:
—  улучшили проходимость по компаниям, в которых работает пролонгация и переход из другой СК,
— уменьшили количество ошибок при получении ссылки на оплату от СК Согласие и Росгосстрах,
—  решили проблемы с подтягиванием статусов оплаты и печатных форм, отправкой писем с ссылкой на оплату,
— починили выгрузку в разделе реферальной программы и стабилизировали подтягивание данных в раздел «Отчеты»,
— исправили неверное отображение даты окончания полиса в разделе «Все полисы».




6. ?Завершается Мега Акция. В начале Июля по ее результатам мы выплатим больше 700 тыс. руб. агентам, которые увеличили свои продажи за последние полтора месяца. Не огорчайтесь, если не успели принять участие, потому что мы уже готовим не менее полезную и прибыльную акцию на Июль!

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На следующей неделе опубликуем результаты Июня в цифрах и объявим новые акции. Мы ежедневно работаем над функционалом платформы Пампаду и открыты к конструктивным предложениям. Будем рады услышать, что, на ваш взгляд, нам стоит улучшить и какие продукты добавить в первую очередь. 

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Предложить улучшение

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С любовью к своему делу,
команда Пампаду! ?

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Привет, коллеги!
Лето в самом разгаре, и как уже ранее говорили, мы меняем подход к продвижению и тратим больше на бонусы агентам и увеличенное вознаграждение, вместо прямой рекламы! Поэтому запускаем по настоящему жаркую акцию, которая поможет вам заработать на абсолютно любом продукте Пампаду! Особенно, если у вас раньше не было продаж или совсем мало.

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? Продавай в июле больше, чем июне и получи дополнительные бонусы на счет в личном кабинете.

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Условия участия:

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Оформляйте в период с 01.07.22 по 31.07.22 (июль) на 3, 5, 10 или даже 20 полисов больше, чем за период 01.06.22 по 30.06.22 (июнь).

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ОСАГО

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КАСКО

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мини-КАСКО

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Ипотека

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Также мы повышаем КВ до 42% на ипотечное страхование до конца июля!!!
Отличная возможность поучаствовать в акции и повысить свой доход на продаже ипотечных полисов.

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Если вы выполните условия по нескольким продуктам, то ваше вознаграждение будет суммировано. В рамках одного продукта бонус начисляется только один раз.

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*Пользователи, зарегистрировавшиеся в июле 2022, в акции не участвуют.

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Пример

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Егор в июне оформил 9 полисов ОСАГО, 2 полиса КАСКО, 3 полиса Ипотеки и 0 полисов мини-КАСКО
Чтобы получить бонус, Егору достаточно продать 12 полисов
ОСАГО (9+3), либо 5 полиса КАСКО (2+3), либо 6 полисов Ипотеки (3+3), либо 3 полиса мини-КАСКО (0+3) ✅

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Чем больше продаж, тем весомее бонус!

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? А что там с финансовыми офферами?

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Про них мы не забыли и добавили их в акцию. Условия участия еще проще:

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Соверши 3+ продаж по финансовым офферам до конца июля и мы начислим дополнительно 10% к КВ по каждой подтвержденной конверсии*.

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*В акции принимают участие только конверсии, которые были подтверждены банком в июле, т.е. продукт должен быть выдан и активирован в период с 1.07 по 31.07

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Подведение итогов

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Срок действия акции — с 01.07.22 по 31.07.22.
Подведение итогов состоится 03.08.22.
Результаты мы опубликуем в нашем Телеграм-канале 5.08.22.

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Бонусы на баланс личного кабинета участников акции будут начислены с 10.08.22 по 17.08.22

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Желаем удачи и хороших продаж!

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С любовью к своему делу,
Команда Пампаду! ?

\n', '? Акция - Жаркое лето с Пампаду ?', 'Масштабная акция для страховых агентов от агрегатора Пампаду. Участвуй и не упусти шанс заработать больше! Ипотека, ОСАГО, фин. офферы.', 'publish', 'open', 'open', '', 'aktsiya-zharkoe-leto-s-pampadu', '', '', '2022-07-01 12:33:34', '2022-07-01 12:33:34', '', 0, 'https://pampadu.ru/blog/?p=1461', 0, 'post', '', 0), (1462, 13, '2022-07-01 12:31:48', '2022-07-01 12:31:48', '', 'Бонусы до 20 000 рублей', '', 'inherit', 'open', 'closed', '', '1039h498-18', '', '', '2022-07-01 12:31:48', '2022-07-01 12:31:48', '', 1461, 'http://pamtest.ru/wp-content/uploads/2022/07/1039h498.jpg', 0, 'attachment', 'image/jpeg', 0), (1469, 15, '2022-07-06 13:13:41', '2022-07-06 13:13:41', '\n

Обновление справочников РСА и расширение тарифного коридора ОСАГО - главные события этого месяца. Как будут платить за ущерб и сколько будет стоить полис.

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За ремонт по ОСАГО будут платить больше

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19 июня 2022 года вступили в силу новые справочники РСА. Методика расчета осталась прежней, но стоимость запчастей, материалов и нормо-часов увеличилась почти на 30%. Для автомобилистов эти изменения означают, что теперь они могут рассчитывать на более серьезные суммы при возмещении ущерба. А это значит, что и ремонтировать их они смогут более качественно, считает президент РСА Игорь Юргенс. Стоит отметить, что в сложившейся ситуации, связанной с резким ростом цен и уходом из России некоторых автопроизводителей, данные справочники будут актуализировать не два раза в год, как было ранее, а ежеквартально. Таким образом следующее изменение планируется осенью этого года. Кроме того, теперь у всех желающих есть возможность принять участие в их обсуждении. Перед тем, как данный документ утверждается окончательно, он проходит публичную проверку. На сайте РСА теперь есть новый раздел: “Актуализация справочников средней стоимости запасных частей, нормо-часов и материалов”. В нем размещают для ознакомления проекты справочников. Там же через форму обратной связи можно внести замечания и предложения по спорным вопросам.

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Стоимость ОСАГО изменится 

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Центробанк предложил в очередной раз расширить тарифный коридор ОСАГО. Это уже второе подобное изменение в текущем году. Ранее базовые тарифы меняли в январе. Обоснований этому несколько.

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Неправильно однозначно утверждать, что с июля ОСАГО подорожает для всех. Тарифный коридор расширяется в обе стороны. В пресс-релизе Банка России говорится о том, что данная мера должна позволить “страховщикам удерживать цены для аккуратных водителей за счет повышения стоимости страховки для аварийных”.

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Согласно предложению Центробанка, разница между действующими значениями тарифного коридора и предложенными составит соответственно:

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Для легковых автомобилей граждан диапазон значений теперь будет от 1646 руб. до 7535 руб. Т.е., для безубыточных водителей полис может и подешеветь за счет применения пониженной базовой ставки. 

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Это не первое подобное изменение. Президент РСА Игорь Юргенс высказался в поддержку данной меры. Он считает, что таким образом постепенно создаются условия для того, чтобы аккуратные водители не доплачивали за нарушителей. А также жители регионов с низкой аварийностью платили меньше тех в которых по тем или иным причинам растут размеры страховых выплат.

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Проект указания Центробанка опубликован 22 июня 2022 года. Как теперь (ориентировочно) будут выглядеть базовые ставки на различные категории ТС можно посмотреть в таблице:

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 № п/пТехнические характеристики, конструктивные особенности, собственник, назначение и (или) цели использования транспортного средстваБазовая ставка страхового тарифа (рублей)
минимальное значение максимальное значение
1Мотоциклы, мопеды и легкие квадроциклы (транспортные средства категорий «A», «M») юридических и физических лиц3242536
2Транспортные средства категорий «B», «BE» 
2.1юридических лиц (в том числе транспортные средства специального назначения, транспортные средства оперативных служб)8525722
2.2физических лиц (в том числе транспортные средства, используемые для бытовых и семейных нужд), индивидуальных предпринимателей16467535
2.3используемые в качестве такси149015756
3Транспортные средства категорий «C» и «CE» юридических и физических лиц 
3.1с разрешенной максимальной массой 16 тонн и менее11639934
3.2с разрешенной максимальной массой более 16 тонн175214957
4Транспортные средства категорий «D» и «DE» юридических и физических лиц 
4.1с числом пассажирских мест до 16 включительно11066823
4.2с числом пассажирских мест более 1613828526
4.3используемые на регулярных перевозках с посадкой и высадкой пассажиров как в установленных остановочных пунктах по маршруту регулярных перевозок, так и в любом не запрещенном правилами дорожного движения месте по маршруту регулярных перевозок30539144
5Троллейбусы (транспортные средства категории «Tb»)16684997
6Трамваи (транспортные средства категории «Tm»)10413116
7Тракторы, самоходные дорожно-строительные и иные машины юридических и физических лиц, имеющие паспорт самоходной машины и других видов техники или свидетельство о регистрации машины и проходящие государственную регистрацию в органах государственного надзора за техническим состоянием самоходных машин и других видов техники в Российской Федерации4513198
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Кроме этого, для регионов, в которых по данным РСА убыточность растет, изменятся  и территориальные коэффициенты. 

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 № п/пТерритория по ОСАГОТерриториальный коэффициент
Действующее значениеПредложенное значение
1Республика Дагестан 
1.1Буйнакск, Дербент, Каспийск, Махачкала, Хасавюрт0,90,96
1.2Прочие города и населенные пункты0,840,9
2Республика Ингушетия 
2.1Малгобек0,880,94
2.2Назрань0,760,92
2.3Прочие города и населенные пункты0,760,82
3Кабардино-Балкарская Республика  
3.1Нальчик, Прохладный1Без изменений
3.1Прочие города и населенные пункты0,820,88
4Республика Калмыкия
4.1Элиста1,24Без изменений
4.1Прочие города и населенные пункты0,760,82
5Республика Северная Осетия - Алания
5.1Владикавказ1Без изменений
5.1Прочие города и населенные пункты0,880,94
6Республика Тыва
6.1Кызыл0,760,82
6.1Прочие города и населенные пункты0,760,82
7Республика Хакасия
7.1Абакан, Саяногорск, Черногорск 1Без изменений
7.2Прочие города и населенные пункты0,760,82
8Чеченская Республика 0,760,82
9Забайкальский край
9.1Краснокаменск0,760,82
9.2Чита0,82Без изменений
9.3Прочие города и населенные пункты0,68Без изменений
10Приморский край
10.1Арсеньев, Артем, Находка, Спасск-Дальний, Уссурийск 1Без изменений
10.2Владивосток1,36Без изменений
10.3Прочие города и населенные пункты0,90.96
11Новосибирская область
11.1Бердск1,24Без изменений
11.2Искитим1,16Без изменений
11.3Куйбышев1Без изменений
11.4Новосибирск1,63Без изменений
11.5Прочие города и населенные пункты0,941
12Севастополь0,760,82
13Еврейская автономная область
13.1Биробиджан0,760,82
13.2Прочие города и населенные пункты0,760,82
14Байконур0,760,82
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Обсуждение данного проекта заканчивается 28 июня. После этого изменения вступят в силу. Насколько изменится после этого стоимость полисов для водителей прогнозировать пока сложно. С гарантией можно говорить только о том, что для водителей, которых страховщики относят к группе риска она вырастет. Насколько подешевеет ОСАГО для аккуратных водителей и произойдет ли это вообще в сложившейся сейчас ситуации, угадать сложно. Поэтому стоит просмотреть список своих клиентов и предложить им, по мере возможности, пролонгировать автогражданку в эти дни. Пока указание Центробанка о расширении тарифного коридора и территориальных коэффициентов не вступило в силу.

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А Пампаду вам в этом поможет!

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Мини-КАСКО — бюджетная альтернатива полноценному КАСКО, которая в последнее время приобретает все большую популярность на рынке добровольного автострахования. В чем его особенности и кому подойдет, расскажем в этой статье.

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Калькулятор мини-КАСКО на Пампаду

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В связи с растущим спросом на экономичные варианты добровольного автострахования многие компании уже добавили в линейку своих продуктов различные программы мини-КАСКО. И не так давно на Пампаду появился калькулятор, с помощью которого можно быстро рассчитать, сравнить условия и выбрать одну из семи предложенных программ от трех компаний — АльфаСтрахование, ВСК и Согласие. Чтобы получить расчеты, достаточно указать лишь год выпуска авто и рыночную стоимость автомобиля.

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Представленные на платформе программы мини-КАСКО гарантируют защиту от угона, ущерба или тотальной гибели авто в ДТП по вине бесполисных водителей и других участников дорожного движения. Есть возможность обезопаситься от ущерба в результате стихийных бедствий, повреждений животными, техногенных аварий. 

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При сравнении и выборе подходящего варианта, стоит обращать внимание не только на набор покрываемых рисков, стоимость и лимит страховой суммы, но и на территорию действия, условия и формат возмещения при наступлении страховых случаев. 

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Основные отличия от классического КАСКО

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Мини-КАСКО - это программа страхования урезанного набора рисков по фиксированно низкой цене. К примеру, страховка от бесполисных водителей с лимитом покрытия до 400 тыс. рублей у АльфаСтрахования стоит всего 1950 или 2450 рублей в зависимости от региона собственника автомобиля. Другие программы этой компании стоят немногим больше, но имеют расширенный пакет рисков и лимит покрытия до 2 млн. рублей.

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Стоимость программ от ВСК и Согласие может варьироваться от 2450 до 10500 рублей в зависимости от рыночной цены автомобиля, а соответственно лимита страхового покрытия. Согласитесь, страховка на 1 или 1,5 млн рублей при такой стоимости в разы выгоднее полного или даже частичного КАСКО.

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Еще что выгодно отличает полис мини-КАСКО — его легко можно оформить онлайн за 5 минут. Отсутствует жесткий скоринг на расчетах, нет необходимости загружать фото и документы на авто, ожидать результатов осмотра.

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Также весомым преимуществом мини-КАСКО является то, что полис вы сможете оформить на возрастные автомобили, которые практически не застраховать по полному КАСКО.

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Особенности условий страхования

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Все программы страхования мини-КАСКО имеют свои особенности в условиях страхования. Для вашего удобства собрали сравнительную таблицу по условиям в разрезе компаний, представленных на платформе Пампаду. А здесь вкратце отметим основные отличия.

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АльфаСтрахование

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Компания предлагает 5 программ страхования мини-КАСКО: «КАСКО от бесполисных», «КАСКО от чужих ошибок», «КАСКО за 3 электрон», «Дай ПЯТЬ электрон», «КАСКО в десятку электрон». Во все включены риски ущерба и тотальной гибели авто в ДТП по вине бесполисных водителей. Отличия заключаются в том, что в более дорогих предложениях добавляются риски повреждения в ДТП по вине установленных третьих лиц, угона и хищения, а также увеличиваются лимиты страховых сумм.

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При наступлении страховых случаев компания обязуется произвести ремонт либо выплатить денежную компенсацию в пределах страховой суммы.

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Важно отметить, что полисы мини-КАСКО от АльфаСтрахования можно оформить только день в день с ОСАГО, купленным у любой компании на нашей платформе. У ВСК и Согласия таких ограничений нет и полисы можно оформить без привязки к ОСАГО.

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Согласие

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Программа «КАСКОплюс» СК Согласие включает в себя более обширный набор страховых рисков, в том числе повреждения и гибель авто в ДТП по вине третьих лиц или по обоюдной вине (!), а также в результате стихийных бедствий, повреждений животными, техногенных аварий. Также в базовый пакет включена эвакуация с места происшествия до места стоянки или ремонта.

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Это особенно выгодный вариант, так как включает в себя покрытие ущерба и гибели от таких нередких природных явлений, как град, обильный снегопад, буря, ураган, шторм, смерч, ливень, наводнение и многих других. Однако территория действия такого полиса имеет ограничения. Поэтому прежде чем принимать решение о покупке обязательно ознакомьтесь с правилами страхования и примером полиса, где четко прописаны условия.

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ВСК

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По программе «Компакт минимум» от компании ВСК вы можете застраховать автомобиль от риска ущерба в ДТП по вине третьих лиц. Виновниками могут быть не только водители, но и пешеходы, велосипедисты и другие участники движения. И стоит отметить, что действие полиса распространяется не только в пределах РФ, но и на территория Европы, стран СНГ, Турции, Китая и Монголии.

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Примечательно также то, что компания позволяет расширить базовый пакет такими дополнительными опциями, как эвакуация, экстренная помощь на дорогах, аварийный комиссар, юридическая консультация и даже несчастный случай. Но важно понимать, что по опциям имеются территориальные ограничения, указанные в правилах страхования и перечисленных в примере полиса.

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И еще одно важное преимущество программы ВСК в том, что на страхование принимаются автомобили до 15 лет.

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Кому подойдет мини-КАСКО

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Полисы мини-КАСКО имеют довольно привлекательную стоимость и поэтому подходят тем, кто заинтересован в защите собственного автомобиля, но не может позволить себе классический продукт. Как правило, выбирают мини-КАСКО опытные водители, которые уверенно чувствуют себя на дорогах и хотят застраховаться только от ДТП по чужой вине, угона или стихийных бедствий. 

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Нередко покупают мини-КАСКО в дополнение к ОСАГО, чтобы иметь полную защиту на дорогах и предупредить финансовые потери от ДТП как по чужой, так и по обоюдной вине. 

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Особенно актуальной сегодня становится защита от бесполисных водителей, количество которых резко возросло из-за подорожания ОСАГО. По некоторым данным на дорогах России от 15 до 30% водителей ездят без ОСАГО или с поддельным полисом. ДТП с таким виновником грозит ремонтом за свой счет и длительным разбирательством в суде. Более того, успешный исход дела зачастую оборачивается безрезультатным ожиданием взыскания по исполнительному производству. Ведь, как правило, бесполисные не имеют официального заработка.

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Также предложить мини-КАСКО вы всегда можете тем клиентам, кто не прошел по скорингу полного КАСКО из-за возраста автомобиля или другим причинам.

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Обратите внимание, полис мини-КАСКО не подойдет для страхования кредитного автомобиля. Так как выгодоприобретателем по нему указывается собственник авто, а не банк.

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С любовью к своему делу,
Команда Пампаду! ?

\n', 'Мини-КАСКО: что это и для кого', 'Мини-КАСКО — бюджетная альтернатива полноценному КАСКО, которая в последнее время приобретает все большую популярность на рынке добровольного автострахования. В чем его особенности и кому подойдет, расскажем в этой статье.', 'publish', 'open', 'open', '', 'mini-kasko-chto-eto-i-dlya-kogo', '', '', '2022-07-07 13:52:05', '2022-07-07 13:52:05', '', 0, 'https://pampadu.ru/blog/?p=1477', 0, 'post', '', 0), (1497, 13, '2022-07-07 13:51:14', '2022-07-07 13:51:14', '', 'Мини-КАСКО', '', 'inherit', 'open', 'closed', '', '1030h502', '', '', '2022-07-07 13:51:14', '2022-07-07 13:51:14', '', 1477, 'http://pamtest.ru/wp-content/uploads/2022/07/1030h502.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (1510, 15, '2022-07-25 14:55:02', '2022-07-25 14:55:02', '\n

Данная статья создана для тех, кто думает, или уже принял решение стать страховым партнером одной из крупнейших, современных и быстроразвивающихся страховых компаний в нашей стране сегодня- Альфастрахование! На рынке страхования, Альфа занимает лидирующее место, и имеет репутацию надежной и устойчивой компании!

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Здесь я расскажу в чем основное отличие ЛК Альфаполис https://alfapolicy.alfastrah.ru/ от Альфаагента https://agent.alfapolis.ru/, что потребуется для регистрации, и покажу возможности каждого Личного кабинета агента.

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  1. AльфaCтpaхoвaниe: вхoд в личный кaбинeт.
  2. Peгиcтpaция и обзор личнoго кaбинeта AльфaCтpaхoвaниe.
  3. Оформление ОСАГО в ЛК СК.
  4. Как отключить личный кабинет?
  5. Восстановление пароля
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1. Вход в личный кабинет

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Знакомство начнем с АльфаАГЕНТА

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Чтобы войти в Личный кабинет, агент должен использовать логин/пароль, который был указан при регистрации. Логин-это ваш email или номер вашего мобильного телефона. Пароль-это секретная комбинация цифр и букв, которая известна только Вам.

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При регистрации потребуется указать немного данных, поэтому сложности здесь ни у кого не возникнет. Есть пара ограничений- зарабатывать на сервисе смогут только граждане Российской Федерации старше 18 лет.

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2. Peгиcтpaция и обзор личнoго кaбинeта AльфaCтpaхoвaниe.

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Пользователь должен заполнить реальные фамилию, имя, отчество, т.к., в последующем Альфа будет оплачивать Вам КВ за страховые услуги, и чтобы не возникло сложностей, отнеситесь к этому серьезно.

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Обязательно согласитесь с “обработкой персональных данных” и “Правилами пользования ЛК”. Отправляйте заполненную анкету на проверку. 

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С сайта Вам поступит СМС уведомление, которое нужно будет внести в соответствующее окно.

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Можете заходить на площадку АльфаАгент! Вы успешно зарегистрированы и авторизованы. 

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Сразу скажу, что потребуется заполнить свои персональные данные, и согласиться с договором оферты, чтобы продолжить работу на площадке и оформить первый полис!

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Страховой сервис является официальным приложением для агентов, где Вы сможете зарабатывать комиссию за продажу полисов, поэтому без заполнения анкеты не обойтись! Если нет реквизитов под рукой, а нужен полис СК Альфа, уже сейчас Вы сможете оформить его, пройдя регистрацию в Личный кабинет страхового агента

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“Альфаагент” можно считать урезанной версией личного кабинета, здесь можно купить самые популярные виды страхования для физических лиц. После заполнения всех обязательных данных Вам станет доступно оформление полисов:

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  Вы сможете зарабатывать на продаже этих продуктов не выходя из дома, оформляя страховки своим клиентам! В офис приезжать не потребуется. Вся отчетность и вывод заработанного КВ, Вам будет доступен в личном кабинете. Работать на сайте Вы можете в статусе физического лица, или ИП.

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За агентов, работающих в статусе физ. лиц, Альфастрахование оплачивает все взносы в ПФР, ОМС и налог. Так что это абсолютно легальный и прозрачный доход!

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3. Оформление ОСАГО в ЛК СК

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Процедура оформления полиса очень проста. Возьмем, например, калькулятор ОСАГО. Полис можно рассчитать и оформить буквально за несколько минут. 

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Оригиналы документов на авто и клиента Вам для этого не требуются. Их достаточно иметь в читаемом электронном виде.

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Выбираете “новый полис”- и вносите гос № авто - нажимаете кнопку “найти данные о ТС”- система подтянет данные по авто из базы. Если какие то поля останутся не заполненными, необходимо вписать информацию вручную. Главное- обязательно узнайте у клиента, нет ли у него действующей лицензии такси. Этот факт напрямую влияет на стоимость страховки! 

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Можно выбрать период страхования от 3-х месяцев и больше, сняв галочку 

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Переходим на следующий шаг. Тут потребуется внести персональные данные клиента. Указывайте реальные контакты, чтобы потом Вы могли быть на связи с клиентом, и сделать ему коммерческое предложение по другим видам страхования!

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Если водитель будет не один, можно добавить других, или сделать полис “без ограничений”.

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Рекомендую, проверить все данные, перед отправкой на расчет.

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На каждом этапе заполнения анкеты Вы можете сохранить черновик полиса, и вернуться к заполнению позже. 

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Расчет от СК  Вы получаете моментально. 

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Ваш клиент может выбрать ОСАГО + доп. продукт, на свое усмотрение. Больше дополнительных продуктов к ОСАГО, Вы сможете найти на сайте https://agents.pampadu.ru

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Мы для примера выбрали только ОСАГО. Переходим на оплату.

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Здесь Вы видите комментарий от СК в каком статусе полис, и до какого времени будет действовать ссылка на оплату.

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Передайте ссылку клиенту по почте. Как только Ваш клиент произведет оплату полиса, Ваш баланс пополнится. Вы заработали агентское вознаграждение!

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В личном кабинете агента Вы найдете полезные для работы материалы, которые помогут разобраться в продукте, узнаете последние новости, и ближайшие изменения в работе.

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4.Как отключить личный кабинет

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Если по какой то причине Вы передумали работать в страховании, то в своем профиле Вы можете “удалить аккаунт”.

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Если Вы хотите получать от страхования больше, оформлять другие продукты, развивать и курировать свою агентскую сеть, тогда Вам в Альфа-Полис https://alfapolicy.alfastrah.ru/ - это онлайн сервис от Альфы для оформления всех видов страховок, с возможностью анализа личных продаж, и продаж вашей агентской сети!

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Здесь не получится так легко зарегистрироваться, как на АльфаАгенте. Придется оставить заявку, дождаться звонка от страховой, и после общения с представителем страховщика Вам дадут доступ-логин/пароль, под которым Вы сможете заходить в Личный кабинет и оформлять страховые продукты.

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Вы станете полноценным страховым партнером Альфы!
Альфаполис позволяет оформлять такие продукты, как:

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Личный кабинет страхового агента АльфаПолис выглядит так:

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В меню слева Вы выбираете нужный для оформления продукт.

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Заполняете данные по объекту страхования, по клиенту и оформляете полис.

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Всё достаточно просто и удобно

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На этой платформе также же, за оформленные полисы выплату Вы получаете на карту или счет. Вся отчетность онлайн, посещение офиса не требуется. 

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Если у Вас есть регистрация на Альфаполис, то на Альфаагенте зарегистрироваться не получится. Это и не требуется. Весь спектр страховых продуктов, который доступен агентам, есть тут. Если у Вас возникнут вопросы по оформлению, или личному кабинету, и потребуется помощь, Вам всегда ответят в службе онлайн-поддержки продавцов 24/7 AlfaFriend.

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5.Восстановление пароля

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Если Вы забыли пароль от кабинета АльфаАгент, то Вы сможете восстановить его самостоятельно по номеру телефона, который указывали при регистрации. 

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Если же утерян пароль от АльфаПолис, то восстановление доступно через службу поддержки, или через своего куратора на площадке.

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Личный кабинет страхового агента - это прекрасная возможность, находясь в любом регионе, стать прямым агентом крупнейшей страховой компании и получить доступ ко всем страховым продуктам с широкой линейкой программ, начиная с Е-ОСАГО - обязательный вид страхования в России, заканчивая добровольными видами страховок! С онлайн отчетностью, выплатой комиссионного вознаграждения по запросу, и без посещения офиса! Ваши клиенты не останутся без страхового полиса!

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Если же Вы хотите работать не только с Альфой, а иметь доступ к оформлению ОСАГО от 15-ти страховых компаний, то переходите по ссылке Личный кабинет страхового агента и начинайте зарабатывать прямо сейчас!

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Надеюсь, этот текст опубликован не зря, и кто до сих пор сомневался начинать ли ему зарабатывать в страховании, в ближайшее время присоединится в Личный кабинет агента! *Москва 13*

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Желаю Вам успешных продаж!

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Без чего нельзя продать ни один товар? Правильно. Без покупателей. Страхование не исключение. Сегодня говорим о том, где их искать  страховщику, и кто является его основной целевой группой

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Содержание статьи

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  1.  Основные клиенты страховых агентов
  2.  Как найти первых клиентов страховому агенту
  3.  Где искать клиентов для ОСАГО
  4.  Как удержать клиентов
  5.  Заключение
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Основные клиенты страховых агентов

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 В первую очередь это те люди, которым страховка нужна в обязательном порядке. Это автомобилисты и заемщики банка. Каждый автовладелец страхует ОСАГО, те, кто приобретает автомобили в кредит еще и КАСКО. Но далеко не все дружат с интернетом. Поэтому предпочитают обращаться к  страховым агентам и   брокерам. Они и оформить ОСАГО помогут, и условия поинтереснее подберут. Например в личном кабинете на Пампаду вы сразу сделаете котировку по 16 компаниям. Вряд ли кто-то захочет перебирать их вручную. То же самое можно сказать о заемщиках кредитов. При оформлении той же ипотеки человека обязуют в обязательном порядке застраховать залоговое имущество - дом или квартиру. Жизнь страхуют добровольно-принудительно. Такой обязанности у человека не возникает, но при наличии полиса страхования жизни банк идет на уступки и снижает процентную ставку. А это существенный аргумент в пользу страховки. 

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По данным Росстата на 1 января 2022 года в России было зарегистрировано 45,5 млн. легковых машин, а это ровно столько же полисов ОСАГО. Общее количество ипотек, оформленных в 2021 году с января по октябрь равно 3,2 миллиона. Все это ваши потенциальные партнеры. Осталось немного - сделать так, чтобы они о вас узнали. И сами начали вас искать.

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Начинать поиск лучше с друзей и знакомых - с так называемого “Теплого круга”. Начать общение с ними гораздо проще, и они гораздо проще отнесутся к тому, что вы не смогли ответить на какой-нибудь вопрос, чем посторонние люди. Кроме того, попросите у них рекомендации для себя, таким образом ваш круг общения начнет расти дальше. Есть страховщики, которые прекрасно совмещают страхование с основной работой. Они страхуют сотрудников своего же предприятия. Удобно всем: людям не приходится после работы бежать в страховую компанию, а агент получает дополнительный доход. Да и общаться в родном коллективе ему гораздо проще, чем по холодным контактам.

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Теплый круг не бесконечен, поэтому придется подумать и о других местах. Например, все автомобилисты периодически бывают на автомойке или заходят в магазины запчастей, автосервисы и т.д. А в молодых кварталах свежей застройки, как правило, большое количество квартир куплено именно в ипотеку. Вполне логично поискать возможность разместить свою рекламу в этих местах: разложить визитки и флаеры, развесить объявления и т.д.

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Отдельная тема дачные домики. Как правило за них начинают особенно переживать два раза в год. Весной, накануне лета и пожароопасного периода. И осенью перед тем, как “консервировать” свое хозяйство в зиму. Кстати, как правило, у садоводов есть и машины, что делает их еще привлекательнее для страхового агента. Можно найти контактные данные председателя садового товарищества и договориться с ним о том, что он пригласит вас на общее собрание членов СНТ.

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И, конечно, интернет. Сейчас многие привыкли все делать онлайн. И там же, в интернете, искать информацию о товарах и услугах. Разместите информацию о своих услугах на сайтах бесплатных объявлений, на своей страничке в соц. сети и т.д. 

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Как найти первых клиентов страховому агенту

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Новичку поиск дается сложнее всего. По себе помню, как было сложно заполнять первый договор ОСАГО (тогда бланки были еще рукописные). А уж о том, что кому-то надо рассказывать о страховании и, не дай бог, отвечать на вопросы, даже подумать было страшно. Поэтому возвращаемся к теплому кругу. Можно застраховать машину родителей, садовый домик и т.д. Поговорите с друзьями и знакомыми, обязательно расскажите о своей новой работе. Не бойтесь говорить с людьми о страховании. Вполне вероятно тема им интересна, но они же не прочитают по вашим глазам, что вы можете быть им полезны. И, самое главное, вы должны быть увлечены тем, о чем говорите. Это привлекает людей. И наоборот. Вам наверняка приходилось видеть, как в магазинах стоят юноши и девушки, скучным голосом говоря заученные тексты. Согласитесь, вряд ли вас заинтересует товар, который предлагает «тусклый дятел». Увлечь своей идеей может только по-настоящему заинтересованный человек. Для настоящего страховщика страхование это образ жизни, а не просто работа. Пример из практики. Приехала на автомойку, пока машину мыли разговорились с ее хозяином. Он мне ,как постоянной посетительнице, предложил 10%-ю скидку, я в ответ сказала, что могу делать их посетителям скидки на консультации по страхованию и т.д. Итог: мои визитки лежат на этой мойке, а ее владелец записал мой телефон, чтобы рекомендовать меня своим друзьям и знакомым. В этой ситуации выигрываем мы оба: он предоставляет дополнительный сервис посетителям, я - получаю прекрасную рекламу. Партнерские отношения выгодны всем.

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Объявления в интернете. Без финансовых вложений достаточно пассивный вид рекламы. Но в тоже время даже бюджетный вариант может иметь успех. К тому же не требует затрат времени и сил. Вы ищете сайты бесплатных объявлений и размещаете там информацию о себе. Благодаря тому, что сейчас автогражданку и ипотеку легко оформить онлайн, свои услуги  можно предлагать по всей России. Очень может быть, что ваш первый полис будет оформлен человеку не из вашего города.

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В тоже время, небольшие вложения позволяют вести продвижение вашей рекламы более активно. Можно создать собственный сайт, писать статьи на тему новостей автострахования. давать советы подписчикам и разместить на странице сайта виджет-калькуляторы ОСАГО и ипотеки. В этом случае посетители вашей страницы смогут покупать автогражданку самостоятельно. Просто переходя по предложенной ссылке.

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Реферальная сеть. Мы с детства помним, что любая задача может иметь несколько вариантов решения. Можно искать потребителей услуг самому, можно создать систему, которая будет это делать. Вы создаете свою агентскую сеть и получаете доход от объема ее продаж. Для этого вам нужно поделиться реферальной ссылкой, которую можете скопировать в личном кабинете на Пампаду, с тем, кто готов стать вашим партнером.Лучшие способы поиска клиентов

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Есть много способов находить клиентов. Эффективность того или иного метода для страхового агента во многом зависит от того, на чем именно он специализируется. То, что прекрасно будет привлекать людей в одном случае, в другом оказывается практически безрезультатным. Поэтому вариантов решения этой задачи должно быть несколько. Дальше о наиболее результативных методах поиска немного подробнее.

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Живое общение. Если вы хотите быстро расширить свою клиентскую базу, приготовьтесь к тому, что вам придется много общаться. Причем всегда и везде. Настоящий страховой агент работает изо дня в день практически круглосуточно. Именно общение привлекает к вам людей и помогает находить партнеров. Если вы сможете их заинтересовать, они сами попросят вашу визитку. И расскажут о вас своим знакомым. Сарафанное радио работает без границ. Я это поняла, когда однажды мне позвонили из Уфы и попросили проконсультировать их партнеров в Краснодаре. Что говорить об отдельном городе?

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Рекомендации. Один из лучших способов решить задачу по увеличению клиентской базы. Одно дело, когда вы сами расхваливаете себя, другое - когда за вас поручился тот, кого ваш собеседник знает лично.

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Телефонные звонки. По теплым и холодным контактам. Теплыми в данном случае можно назвать и те случаи, когда телефон собеседника вам дал кто-то из его знакомых. Если вы планируете полностью холодный обзвон, то запаситесь терпением. Во-первых, телефонные номера нужно где-то найти, во-вторых, далеко не каждый из тех, с кем вы попытаетесь пообщаться, будет рад этому звонку. Вспомните сами, насколько вас “радуют” бесконечные звонки с предложением тех или иных услуг. На мой взгляд по холодным контактам лучше прозванивать небольшие организации. Например, рекламные агентства, риэлтерские фирмы, представителей туристического бизнеса и т.д. Свои услуги в этом случае вы можете предложит и их сотрудникам, и клиентам. Страхование ипотеки, страховки для выезжающих за рубеж и т.д.

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Если вы решили воспользоваться таким способом, то в любом случае возникнет вопрос. Где взять базу для обзвона? Иногда рекомендуют купить ее у какого-либо опытного агента. Заманчивое предложение. Но насколько оно эффективно для вас? Что значит “купить базу”? Список имен и фамилий с телефонными номерами и перечнем полисов на пролонгацию возможно интересен. Но насколько интересны вы тем, кто в нем присутствует? Практика показывает, что люди работают с человеком, а не со страховой компанией. На мой взгляд клиентская база — это то, что продать можно, купить нельзя. Невозможно поручиться за то, что те, кто перечислен в ней, согласятся общаться с вами. Поэтому вы рискуете просто выбросить деньги на ветер. Если человек привык к своему агенту, убедить его что-либо поменять весьма непросто. Поэтому если вы всерьез рассматриваете телефонные звонки, как метод поиска , я бы советовала формировать ее самостоятельно. Не стоит надеяться на то, что кто-то это сделает за вас. Источники, которые стоит использовать для поиска необходимой информации:

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Интернет. Очень перспективный способ привлечь клиентов для страхования агенту, который специализируется на страховании физических лиц. ОСАГО, Ипотека, ВЗР - все делается онлайн. Многие уже привыкли находить необходимую информацию в интернете. Разместите информацию о себе на сайтах бесплатных объявлений, рассказывайте о себе в социальных сетях, раскручивайте свою страничку, как экспертный блог. Сформируйте бизнес-профиль на Яндекс. При определенных вложениях ваша страничка будет настроена и раскручена автоматически.

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Консультации по страхованию. При наличии определенного опыта - прекрасный способ расширения клиентского круга и отличная реклама. Люди любят сотрудничать с профессионалами. Покажите им свою экспертность, проконсультируйте по какому-либо вопросу, связанному со страхованием. В идеале вы должны знать, как застраховать все, от хомячка до спутника. Ну или хотя бы страхование имущества, ОСАГО, КАСКО, ипотеки. Если уровень ваших знаний им понравится, вероятность того, что они придут страховаться к вам сами и порекомендуют вас своим знакомым очень высока. Безусловно, для этого нужны определенные навыки. Но игра стоит свеч. К тому же никто не заставляет вас держать в голове всю информацию о страховых продуктах, существующих на рынке. Уточните потребности клиента, возьмите тайм-аут и поделитесь этой информацией со специалистами Пампаду. Они всегда окажут необходимую помощь в этом вопросе.

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Перекрестные продажи. Каждый из нас задает себе вопрос: «Как заработать больше?» Можно специализироваться на услугах для автомобилистов и зарабатывать только на ОСАГО. Можно прорабатывать имеющуюся базу и искать, что застраховать кроме автогражданки. Для этого нужно постоянно совершенствоваться в сфере страхования, изучать потребности клиентов. У меня были случаи, когда собеседник озвучивал свою проблему, а подходящий договор находился не сразу, а только через полгода из-за нестандартности условий и рисков.

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Где искать клиентов для ОСАГО

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Большинство страховых агентов начинает свою профессиональную деятельность с автогражданки. Оформить ОСАГО несложно, обязательный вид, поэтому продавать ее проще, чем добровольные виды страхования. Сейчас, благодаря интернету, целевая аудитория расширена на всю страну, а это значит, что для каждого страхового агента рынок страхования вырос настолько же. Чем шире география поиска, тем проще искать и находить покупателей своих услуг..

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Традиционно: теплый круг и реклама в интернете. Но только этим обойтись довольно сложно. Особенно начинающему страховщику, у которого еще нет клиентской базы и про которого мало кто знает, как про специалиста в сфере страхования. По логике рыбу ловят там, где она есть. Пройдитесь по автомастерским, мойкам и магазинам запчастей. Пообщайтесь с сотрудниками, предложите свои услуги им и попросите разрешения оставить у них свои визитки.  Попросите у них их рекламную продукцию, предложите рекомендовать их услуги своим партнерам. Взаимовыгодное сотрудничество всегда интереснее движения в одну сторону. У меня, например, сложились замечательные отношения со службой аварийных комиссаров. К каждому оформленному полису я прикрепляю их визитку, а они, в свою очередь, рекомендуют меня своим посетителям, которые обращаются к ним за юридическими услугами.

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Телефонные звонки. Можно обзванивать людей, предлагая им свои услуги по страхованию ОСАГО, КАСКО, ипотеки и т.д.  Кто-то будет вам благодарен за напоминание, кто-то откажется от ваших услуг, кто-то скажет, что о пролонгации говорить пока рано. Уточните, когда заканчивается страховка и попросите разрешения перезвонить ближе к указанному сроку. В любом случае, приток клиентов вам гарантирован. Проблема в том, где взять необходимую информацию для работы. На мой взгляд этот метод более эффективен в работе с юридическими лицами. Например, вы можете обзвонить автопредприятия, предложить им свои услуги в качестве страховщика. Во-первых, звонок на предприятие никого не удивит, так как их телефоны, в отличие от физических лиц, есть в свободном доступе. Во-вторых, финансовый результат даже от одного эффективного звонка, может быть в десятки раз интереснее, чем при страховании десятка физических лиц.

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Интернет. |Санкт-Петербург 24| Объявлений “ОСАГО дешево” много, шанс, что выберут именно ваше не так велик, как хотелось бы. На мой взгляд гораздо эффективнее обосноваться на нескольких форумах, которые объединяют именно владельцев авто, отслеживать ситуации, касающиеся страхования. Понятно, что негатива у людей к страховщикам более чем достаточно, но, если вы будете давать грамотные комментарии, люди изменят отношение к вам. А потом часть из них обратится к вам за страховкой.

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Как удержать клиентов

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Конкуренция в страховом бизнесе очень высока,соперничать приходится и с очень крупными игроками этого рынка. Найти клиента мало, важно его удержать. Иначе на следующий год он может застраховаться в другом месте или оформить полис онлайн. Очень сложно увеличить свою базу, не сохраняя старых клиентов. Предлагайте им дополнительный сервис, консультируйте по выплатам, по любым вопросам, так или иначе связанным с ОСАГО и со страхованием в принципе. Например личный кабинет на Пампаду дает возможность проверить историю и восстановить КБМ клиенту, оформить договор купли-продажи автомобиля и т.д. Со временем это станет привычным образом жизни. Например, мои партнеры знают, что могут абсолютно бесплатно обратиться ко мне за консультацией по любому страховому случаю, расторжению страховки, навязанной в банке или автосалоне и т.д. При этом неважно, что они у меня страхуют. ОСАГО, КАСКО, садовый домик или торговый центр. Безусловно, ОСАГО большинство из них могут продлить онлайн в интернете, тем более что страховые компании заблаговременно им об этом напоминают. Но в этом случае человек получит только страховой полис. Но в сложной ситуации поддержка специалиста далеко не лишняя. А искать его время есть не всегда.

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Определите главные цели политики клиентского сервиса. Наравне с удержанием клиентов эта политика может включать предоставление информации о новых программах и услугах, получение отзывов о вашей работе и консультациях и т.д. Таким образом вы сможете наладить крепкие связи с клиентами, свести к минимуму процесс их потери и более эффективно привлекать новых..

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Заключение

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Искать клиентов можно и нужно везде. На улице, в электричке, в автосервисе и в магазине. В интернете и телефонном справочнике. В качестве подтверждения несколько примеров. Практически в каждом доме есть ТСЖ. Так или иначе вы с ними общаетесь. Потенциально это не только управдом –«друг человека», но и ОСАГО, КАСКО, страхование квартир или домов сотрудников, страхование ответственности управляющей компании. Или небольшой магазинчик в соседнем доме: ОСАГО, КАСКО, ипотека или квартира(дом) владельца, а также страхование его товаров, торгового оборудования и ответственности арендатора. Мы постарались рассказать о том как найти клиентов страховому агенту, новичку или опытному страховщику. Начинать сложно всем. По мере роста мастерства вы убедитесь, что находить их можно в любом месте. И в любой ситуации.

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Рассказываем, сколько зарабатывает страховой агент, какой процент от сделки получает. Средняя зарплата специалиста по страхованию в месяц. Выясняем, как страховщику увеличить свой доход.

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У страховщиков нет привычных большинству людей окладов, заработок напрямую зависит от приложенных усилий. Часто это пугает новичков, но одновременно и привлекает. Ведь итоговый доход ничем не ограничен.

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Сколько зарабатывает страховой агент

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В вакансиях для специалистов по страхованию компании предлагают от 20 000 рублей. Однако заработок страховщика зависит прежде всего от него самого. Рассмотрим, что влияет на размер дохода:

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Соответственно, нельзя назвать точную цифру, сколько получает страховой агент. Кроме того, заработок может различаться по месяцам. Сложнее новичкам, которые только пришли в сферу. В начале пути доход может быть совсем небольшим, даже до 10 000 рублей в месяц. С увеличением клиентской базы заработки увеличиваются кратно.

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Какой процент от сделок получает

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Страховые агенты получают комиссионное вознаграждение с каждого проданного полиса. КВ исчисляется в процентах от общей стоимости. Сколько получает страховой агент с полиса, зависит от:

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Например, стоимость полиса ОСАГО формируется за счет базовой ставки компании, типа транспортного средства, количества вписанных в страховку водителей, возраста, мощности автомобиля и других параметров. Если от полиса ОСАГО страховщик получает 5–15% суммы, то в ипотечном страховании вознаграждение может доходить до 50%. На Pampadu были случаи страхования по ипотеке с комиссионным вознаграждением 60%.

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Однако не все однозначно. Если сравнить, сколько зарабатывает страховой агент ОСАГО со специалистом по ипотечному страхованию, не всегда результат будет в пользу последнего. Дорогие продукты продавать сложнее. ОСАГО обязательно для водителей, его оформляют ежегодно. Чтобы продать клиенту КАСКО, придется приложить больше усилий.

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Какая средняя зарплата агента или брокера

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Агенты и брокеры — это посредники между страховыми компаниями и их клиентами. Работа схожа, но есть отличия. Брокеры — это только юридические лица с лицензией на брокерскую деятельность. Они выбирают для клиентов выгодные предложения на рынке страхования, работают с разными страховыми компаниями.

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Агенты занимаются продажей страховых полисов, ищут новых клиентов или занимаются переоформлением для старых. Могут работать с одной или сразу несколькими страховыми компаниями. Какая зарплата у страховых агентов и брокеров, сказать сложно, так как оплата сдельная. Для примера давайте посмотрим, сколько получают в среднем, согласно статистике:

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Это средние цифры. Сколько в реальности, зависит от его активности и профессионализма.

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Плюсы и минусы профессии

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В профессии специалиста по страхованию свои преимущества и недостатки. Если планируете работать в этой сфере, нужно взвесить обе стороны. Плюсов довольно много:

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Стоит оценить и недостатки в работе страховщика, для кого-то они могут показаться существенными. Страхование — отрасль с высокой конкуренцией. Нужно быть готовым к постоянному поиску клиентов, пока не наработана клиентская база. Заработок бывает неустойчивым, особенно в начале карьеры.

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Как страховому агенту увеличить доход

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Профессия страховщика достаточно гибкая. Можно быстро вырасти финансово, если грамотно использовать все возможности. Зависит исключительно от действий страхового агента. Вот несколько способов, как увеличить доход:

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Общий вывод по профессии - зарплата зависит от умения продавать, налаживать контакты с клиентами и удерживать их, способности предлагать различные продукты и услуги. Это неограниченный финансовый рост и отличная возможность реализовать себя как профессионала.

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Страховой брокер по ОСАГО – одна из наиболее востребованных профессий в сфере страховых услуг. Партнеры компании Пампаду получают одно из самых высоких комиссионных вознаграждений — до 35% от итоговой стоимости полиса автострахования. 

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ОСАГО относится к обязательным видам страхования. Соответственно, популярность этого продукта не зависит от сезонности и финансового состояния потенциальных страхователей. Полис КАСКО обязателен при оформлении автокредитов, поэтому он тоже пользуется повышенным спросом. /Московская область 21/

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Стать брокером по ОСАГО в теории может каждый. Однако на практике эта профессия требует определенного уровня профподготовки, в том числе и наличия аналитических навыков. Перед тем как предложить страхователю наиболее выгодный вариант оформления полиса, специалист должен проанализировать актуальные предложения и оценить степень добросовестности страховщика. 

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С чего лучше начать?

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Брокер – это посредник между клиентом и страховщиком. По сути, он представляет интересы и действует от имени владельца авто. Этот специалист предоставляет страхователю гарантии выплаты полной суммы компенсации по страховому случаю. 

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Заключая договор с брокером, страхователь автоматически освобождается от необходимости обзванивать разные компании в поисках оптимальной цены полиса и лучших условий сотрудничества. Иными словами, эксперт по страхованию сопровождает клиента на всех этапах сотрудничества начиная с момента покупки полиса и заканчивая процессом выплаты компенсации. 

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Многие начинают карьеру страхового агента с официального оформления трудовой деятельности. Для этого нужно зарегистрироваться в качестве юридического лица или ИП и указать ОКВЭД 66.22. «Деятельность страховых агентов и брокеров» и получить лицензию на брокерскую деятельность. Специалисты компании Пампаду предлагают воспользоваться более легким способом оформления доступа к популярным видам страхования. 

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Чтобы зарабатывать деньги, больше не нужно открывать ИП. Для оформления страховки достаточно регистрации на нашей платформе. Таким образом профессию страхового брокера вы сможете совмещать с основным видом деятельности. Вознаграждение подавляющего большинства партнеров компании уже на первый месяц сотрудничества составило более 30 тыс. рублей. Заработок эксперта по страхованию в данном случае рассчитывается в виде процента от общей суммы оформленных полисов. Он зависит от многих факторов, например, от региона проживания клиента, срока действия оформленных страховок и перечня перечисленных в них рисков.

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Что нужно, чтобы стать страховым брокером

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Начать работу брокера по ОСАГО можно двумя способами: зарегистрироваться в качестве ИП или заключить договор франшизы с известной страховой компанией. Первый вариант больше подойдет для агентов, не имеющих достаточного уровня финансирования и практического опыта. Второй — предоставляет возможность работать в своем городе и подразумевает под собой использование технологий, наработок и опыта существующего игрока рынка. 

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Зарегистрировать ИП можно через налоговую службу по месту прописки. Инспектору ФНС нужно предоставить такой пакет документов:  

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По умолчанию индивидуальный предприниматель регистрируется на общую систему налогообложения. На первых этапах работы это не самый выгодный с финансовой точки зрения вариант. Для экономии денежных средств рекомендуется выбрать УСН. При заполнении заявления на регистрацию ИП необходимо сообщить о желании применять упрощенную систему налогообложения с момента постановки на учет.

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Франчайзинг — еще один способ ведения предпринимательской деятельности. В данном случае специалист заключает договор франшизы с лицензированной страховой компанией. По условиям соглашения он получает право использовать торговую марку франчайзера и возможность действовать от имени своего партнера. 

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Открывать бизнес по франчайзингу удобно и выгодно. Страховые агенты могут заниматься всеми видами страхования одновременно. При этом стоимость полиса, оформленного через франчайзи, не будет отличаться от цены страховки, купленной в офисе управляющей компании.

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Регистрация юридического лица (ООО) — сложная и достаточно длительная процедура. Полный перечень документов, необходимых для создания компании по предоставлению страховых услуг, указан в статье 12 Федерального закона от 08.08.2001 № 129-ФЗ. Такая формат ведения бизнеса не только связана с большим количеством рисков, но требует внушительных финансовых вливаний. 

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Плюсы и минусы бизнеса «Страховой брокер»

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Автострахование — неотъемлемая часть жизни любого водителя. Именно этот факт является основным преимуществом профессии страхового брокера. Беспрерывный поток клиентов, желающих оформить полис ОСАГО, и возможность в любое время ввести дополнительные услуги, делают этот вид бизнеса все более привлекательным. 

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Дополнительным плюсом регистрации страховой компании являются: 

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Несмотря на явные преимущества этого вида деятельности, работа страхового брокера имеет несколько минусов. 

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При регистрации компании нужно быть готовым к тому, что бизнес начнет приносить прибыль не сразу. На первых этапах размер полученных комиссионных может не соответствовать первоначальным требованиям специалиста. Однако со временем полученный практический опыт существенно увеличит сумму ежемесячных доходов.   Исключениями в этом случае являются брокеры, которые перешли в свободное плавание после работы в страховой компании. Во время официальной трудовой деятельности такие специалисты успевают сформировать клиентскую базу. Кроме этого, не стоит забывать про эффект «сарафанного радио». 

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По итогу бывший сотрудник страховой компании уже на первых этапах самостоятельной практики получает большое количество заявок на оформление страховки ОСАГО. 

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При оформлении франшизы брокер также начинает зарабатывать с первых дней профессиональной деятельности. Почему так происходит? Все просто: в большинстве случаев франчайзер (управляющая компания) передает франчайзи контакты наиболее «теплых» клиентов. 

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К преимуществам франчайзинга также можно отнести: 

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Начинающий брокер не может знать всех тонкостей ведения бизнеса. С целью формирования правильной стратегии ведения предпринимательской деятельности, франчайзер оказывает своему партнеру консультационную поддержку. В некоторых случаях он также поможет вести бухгалтерию франчайзи и оказывать ему юридическую помощь при возникновении конфликтов с клиентами. 

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На первый взгляд, все кажется идеальным. Однако по факту такой формат ведения бизнеса имеет некоторые недостатки. Например, в большинстве случаев франчайзи запрещается представлять интересы других страховых компаний. Кроме этого, брокер лишается возможности принимать самостоятельные решения. Он может действовать исключительно в рамках политики франчайзера. Чтобы не загонять себя невыгодные условия договора франшизы, до начала сотрудничества рекомендуется почитать отзывы о франчайзере. 

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Какие навыки нужны для работы

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Страхование — достаточно сложный процесс. Одного желания стать страховым агентом недостаточно. Специалист, который планирует зарабатывать таким способом, должен обладать определенным набором навыков и профессиональных качеств, особенно если речь идет о страховании ответственности водителя.  

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ОСАГО продают в каждом офисе. В современных реалиях этот страховой продукт не является дефицитом. Поэтому брокеру необходимо начинать свою трудовую деятельность с изучения азов психологии и нюансов общения с потенциальными клиентами. Чтобы зарабатывать достаточное количество денег, специалисту по автострахованию нужно уметь находить подход к любому человеку. Его основная цель заключается в выявлении реальных и скрытых потребностей страхователя. 

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Другими, не менее важными качествами брокера, являются: 

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Помимо вышеперечисленных личных качеств, специалист по автострахованию должен отлично разбираться в нормах действующего законодательства в сфере страхования.  

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Профессионального страхового образования на сегодняшний день не существует. Это означает, что зарабатывать на оформлении страховки может любой человек. Возникает вопрос: каким образом начинающий бизнесмен может овладеть необходимым набором знаний?

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Топовые участники рынка услуг этой категории на постоянной основе организовывают курсы, тренинги и семинары для брокеров. На занятиях представители этих организаций занимаются обучением потенциальных партнеров и повышают уровень их профессионализма. Пройдя обучение и изучив основные правила работы с клиентами, брокеры сразу могут переходить к практике. 

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Как организовать работу

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Организация любого вида предпринимательской деятельности требует формирования четкой стратегии развития. Прежде всего специалисту необходимо составить бизнес план. Скачать в интернете шаблонный вариант этого документа - не самый лучший выбор. Чтобы работа страхового брокера приносила реальный доход, необходимо на собственном опыте прочувствовать все тонкости общения с клиентами и изучить специфику заключения страховых договоров.

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Стандартный алгоритм развития бизнеса этой категории выглядит следующим образом: 

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  1. Анализ рынка и определение конкурентных преимуществ.
  2. Выбор направления деятельности и разработка стратегии развития и формирование перечня приоритетных услуг.
  3. Открытие счета или карты в банке (для оплаты за оказанные страховые услуги). 
  4. Регистрация юридического лица или ИП.
  5. Получение лицензии страхового брокера. 
  6. Продвижение продукта (создание сайта или рабочего аккаунта в социальных сетях, определение целевой аудитории).
  7. Подбор персонала (актуально, если речь идет о создании юридического лица).
  8. Разработка и внедрение CRM-системы (программа, предназначенная для повышения объема продаж). 
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При заключении договора франчайзинга большая часть из вышеприведенных пунктов исключается автоматически. Такой формат ведения бизнеса подразумевает под собой предоставление готовых алгоритмов работы. Более того, большинство франчайзеров берут на себя ответственность за подбор персонала и его последующее обучение. 

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Проще всего начинать карьеру с автострахования. Этот страховой продукт имеет достаточно широкий перечень преимуществ:

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Досконально освоив процесс автострахования, брокер может расширить перечень предоставляемых услуг за счет заключения договоров страхования жизни, здоровья, движимого и недвижимого имущества. К сотрудничеству с корпоративными клиентами рекомендуется переходить после тщательного изучения продуктов по страхованию бизнеса. 

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Основные способы поиска клиентов

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Метод сарафанного радио — отличный вариант поиска новых клиентов. Однако ориентироваться только на него — не самая лучшая идея. 

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Подавляющее большинство жителей России ищут исполнителя определенной услуги через поисковики, в мессенджерах и социальных сетях. Это означает, что продавать страховые полисы лучше всего через популярные интернет сервисы. 

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Продвижение сайтов и аккаунтов в соцсетях лучше всего доверить профессионалам. Специалисты разработают эффективный контент-план, создадут привлекательный визуал и предоставят максимум информации об актуальных тенденциях ведения блога. 

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Хотите найти новых клиентов? Придется совершенствовать навыки общения. Посещение тематических мероприятий — еще один достаточно результативный способ поиска потенциальных клиентов. Если страховой агент не зациклен исключительно на продаже автомобилей, рекомендуется обратить внимание на ярмарки недвижимости и медицинские форумы. Многие риелторы и сотрудники медучреждений активно сотрудничают со страховыми брокерами. 

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Специалисты компании Пампаду не советуют применять технику холодных звонков для поиска новых клиентов. Во-первых, такая схема требует достаточно высокого уровня подготовки, а, во-вторых, подавляющее большинство россиян отрицательно относятся к звонкам, поступающим с незнакомых номеров. 

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Очень часто люди задаются одним и тем же вопросом: зачем обращаться к брокеру, если процессом поиска страховщика можно заняться самостоятельно? 

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Главное в таких ситуациях — рассказать потенциальному клиенту о различных трудностях анализа эффективности страховых продуктов. Если специалист ведет свой блог, он может разместить пост с перечнем негативных последствий самостоятельного поиска «идеальной страховой компании». 

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Основной акцент стоит сделать на том, что брокер на личном опыте знаком с особенностями работы большинства страховщиков, показателями их финансовой устойчивости, репутацией, стоимостью программ. 

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Проблема, актуальная и для профессиональных страховщиков, и, особенно для тех, кто только хочет начать свой путь в этой сфере.  Чем отличается продажа страховых продуктов от продаж в принципе. Из каких составляющих складывается этот процесс, как стать успешным продавцом на рынке страхования.

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Когда требуется страховка

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Всегда - скажет страховой агент. Никогда - возразят многие. К сожалению, страховой бизнес в России развит, не очень хорошо. Причин для этого много. В том числе и наш русский “Авось” - практически каждый уверен в том, что уж с ним-то ничего не случится. Поэтому обычно страховые полис заключают в тех случаях, когда без него не обойтись. Это обязательные и условно-обязательные виды страхования:

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КАСКО при покупке автомобиля в кредит и т.д. В таких ситуациях большинство людей не задумывается над качеством страховки, ее воспринимают как неизбежное зло и лишнюю статью расходов. Тем не менее все они ваши потенциальные клиенты.

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Почему страховку продавать трудно?

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Человек при покупке товара проверяет его качество. Нюхает мясо, стучит по арбузу, примеряет вещь и т.д. Страхование такой возможности не дает. Клиент платит деньги, в ответ получает страховой полис. По сути, лист бумаги с напечатанным текстом, наличие которого в этот момент не меняет ничего. О том, насколько это для него необходимо и полезно он только предполагает. Поэтому про страховщиков иногда говорят, что они продают воздух. Если ничего не случится, то вероятности убедиться в качестве этой услуги  у человека не будет. Поэтому успешная продажа страховки напрямую зависит от ваших личных качеств и  профессионализма.

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Основные правила продажи

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Оформить полис и продать страховку - абсолютно разные вещи. Первое - чисто технический процесс. Второе - искусство. 

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Есть определенные техники продаж страховых продуктов. Три кита на которых строится этот процесс:

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Давайте прямо, практически любой “обязательный” полис можно купить онлайн. Прежде всего ОСАГО, страхование квартиры или заемщика ипотеки. Как убедить человека в том, что страховаться нужно именно у вас? Все ценят комфорт, хороший сервис и любят экономить деньги. Продавайте это клиенту вместе со страховкой. Пригласите его к себе в офис, убедите в том, что, работая с вами он не останется один на один со страховой компанией если произойдет страховой случай, расскажите о нюансах договора. Станьте настоящим профессионалом  и покажите свою экспертность. Расскажите ему, какие программы страхования существуют и какая из них оптимальна именно для него. Сопровождайте во время действия договора, консультируйте по вопросам страхования, напоминайте о пролонгации. Работайте с ним как персональный менеджер страховой компании работает с вип-клиентом.  Еще лучше, если у вас сложатся практически дружеские отношения. Кстати, у автора этой статьи, таких ситуаций довольно много. И, конечно, предлагайте самые выгодные условия для заключения сделки.. 

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Кстати, для того, чтобы сделать клиенту оптимальное предложение в кратчайшие сроки, очень удобно работать в личном кабинете агента на Пампаду. Судите сами: вы ОДИН раз вносите данные и получаете котировку сразу по 17 страховым компаниям по ОСАГО и 22 по КАСКО. Поверьте, это гораздо удобнее и эффективнее, чем перебирать их все по одной.

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Рекламируйте себя, как профессионала. Заведите профессиональный блог в интернете, создайте свой сайт. Используйте свои знания, давайте советы, как правильно поступить в той или иной ситуации, рассказывайте какие акции проходят в той или иной страховой компании. Чем больше вопросов, на которые вы можете ответить, тем лучше к вам относится клиент. Часто людям требуется помощь, по вопросам связанным с автострахованием. Можно обсуждать их проблемы в комментариях, это хорошее средство развития  аудитории и привлечения новых клиентов. Не зря говорят: “Реклама - двигатель торговли!” Так создается Имя ,которое со временем будет работать на вас.

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Важно соблюдать еще одно правило: не решайте за клиента. Иногда неопытный агент, рассчитав стоимость страховки и увидев кругленькую сумму, сразу принимает решение, что это дорого и никому не интересно. Особенно часто это бывает, если конкуренты предложили дешевле. Изучите условия их предложения, сравните со своим, ищите весомые аргументы в свою пользу. Объясните клиенту чем вызвана разница в цене. Дайте ему право выбора:: сэкономить деньги или получить качественный продукт.

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Как убедить клиента в необходимости страховки?

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К сожалению, для большинства людей, слова “страхование” и “мошенничество” стоят недалеко друг от друга. Поэтому они не торопятся тратить деньги на страховку. А если и идут на сделку, то речь, как правило, заходит о машине, имуществе ,но не о собственной жизни и здоровье. Первое, что нужно сделать, это сформировать у клиента потребность в защите его финансовых интересов. Он должен ЗАХОТЕТЬ застраховаться. 

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Классический пример - Том Сойер, красящий забор. Все мы читали в детстве эту книгу. Вспомните, он никого не уговаривал помочь ему в этом деле, но от желающих не было отбоя. Ваша задача сделать так, чтобы человек понял, зачем нужна страховка, и сам задумался о необходимости ее приобретения. 

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Если речь идет о заключении обязательного договора страхования, например ОСАГО или заемщика ипотеки, все просто. Хочется или нет, но страховаться надо, покупать полис все равно придется. Условия у всех компаний одинаковы, главную роль играет цена страховки. 

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Другой разговор, если речь идет о добровольных видах. О них мало кто вспоминает. Страхуя ОСАГО, автовладелец не думают о защите своей машины. При страховании ипотеки мало кто помнит (да и знает) о том, что полис включает в себя минимальный набор рисков. Расскажите им об этом подробно, заострите внимание на том, что в этом случае защищен кто угодно, но не они. Для некоторых людей эта информация становится настоящей новостью. А полноценная страховка может стать хорошим подспорьем. Данный способ хорош в тех случаях, когда клиент уже работает с вами и налаживать первый контакт уже нет необходимости.

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Продажа по холодным контактам, в том числе звонки по телефону с целью добиться встречи с потенциальным клиентом. По статистическим данным из ста звонков только пять завершатся рандеву, из них одна встреча - заключением договора. Можно использовать готовые скрипты, которые увеличивают ваши шансы на благополучное завершение звонка. Гораздо важнее научится “чувствовать” человека, с которым общаетесь. Находить к нему психологический подход. Фактически за несколько минут вы должны убедить оппонента, который до этого не думал ни о вас, ни о страховании, в том, что встреча с вами ему нужна и интересна. То же можно сказать о первой встрече. У вас будет только один шанс произвести благоприятное впечатление, второго могут не дать. Иногда одна-две фразы, решают все. Самые короткие переговоры в моей практике, которые закончились подписанием договора, длились две-три минуты.

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И в первом, и во втором случае не стоит агрессивно предлагать человеку застраховаться. Постарайтесь добиться доверительного общения с собеседником. Иногда для этого требуется не один день, а то и месяц. Задавайте наводящие вопросы и постепенно он сам поделится своими проблемами. Поставьте себя на его место, подумайте, какие риски ему стоит закрыть.  Займите позицию не продавца, а консультанта, эксперта. Выстраивайте диалог таким образом, чтобы, отвечая собеседник сам задумался о потенциальных рисках и пользе страхования. Покажите свою экспертность. При этом не забывайте, человек, с которым вы общаетесь, не специалист в сфере страховом бизнесе.Говорить с ним нужно простым языком, избегая большого количества специальных терминов. Зато, если вы достигнете полного взаимопонимания и предложите помощь в поиске страховки, которая позволит решить его проблему, он точно заинтересуется и вами, и вашим предложением. В моей практике был случай, когда на первой встрече директор торгового центра сказал: «Я знаю, чего я хочу. Я не знаю, как это называется”. Ответ нашелся быстро, работаю я с ними почти 15 лет. В год организация платит за свою защиту около 400 000 рублей.

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Работа с возражениями является существенной частью процесса продаж. Чтобы успешно “отрабатывать” этот блок, нужно быть настоящим профессионалом и хорошим психологом. Иногда у клиента само слово “страхование” вызывает приступ бешенства, бывает и такое. Вступать в спор в этом случае не стоит. Дайте человеку выговориться, уточните, чем вызван такой негатив. Попробуйте вместе с ним разобраться в ситуации, это прекрасная возможность показать свою экспертность. У меня есть клиенты, сотрудничество с которыми начиналось именно с этого, а теперь мы работаем много лет.

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Высокая стоимость полиса

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Все получилось. Вы подобрали идеальные условия договора и тут оказывается, что цена клиента не устраивает. Что делать в этом случае? Зависит от того, какие аргументы приводит наш покупатель.

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Очень дорого. Можно сравнить стоимость страховки и имущества, которое она защищает. Разница в цене явно не сопоставима. Например, в моей практике есть договор со следующими параметрами:

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Страховая премия - 270 000 рублей

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Страховая сумма - 870 000 000 рублей

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Ежемесячный платеж - 22 500 рублей

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Согласитесь, цифры говорят сами за себя. С одной стороны - полная стоимость имущества, с другой - сотые доли процента от этой суммы. По-моему выбор очевиден.

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Иногда агент для того, чтобы снизить стоимость полиса уменьшает страховую сумму или убирает часть рисков из страхового покрытия. Клиент в этом случае платит меньше, предложение становится привлекательнее. Но я не советовала бы использовать этот метод. При страховом случае высока вероятность того, что человек либо получит деньги, которых не хватит на ремонт или приобретение нового имущества. Или ему вообще откажут в выплате страхового возмещения. Он потеряет деньги, разочаруется в страховании и вряд ли продолжит после этого работать с вами.

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Многие компании позволяют оформлять полисы, в том числе и автострахования, с разбивкой оплаты на два-три взноса без повышения тарифа. В результате страховка  вступает в силу с момента первого платежа, а остальную сумму клиент вносит в сроки ,указанные в договоре. Предложите человеку такую форму полиса. 

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Если же он ссылается на более интересное предложение другого страховщика, то, как я уже говорила, внимательно изучаем условия проектов договоров. Иногда достаточно указать на дополнительные опции в вашем полисе, которые отсутствуют у конкурента. Возможно установлена большая франшиза или присутствуют какие-то оговорки, которые будут иметь неприятные последствия для страхователя в определенной ситуации. Тут вам и карты в руки: изучите документы, важны даже небольшие нюансы. У меня в практике был случай, когда всего несколько слов в договоре страхования, предложенном конкурентами,  делали его наполовину ничтожным для другой стороны. <Свердловская область 99> В результате был подписан и оплачен более дорогой, но надежный вариант. Разница в стоимости составила почти 20 000 рублей. Причем по своему опыту могу сказать, что это вполне обычная ситуация. Причем именно при добровольном страховании. Ваш партнер рассчитывает получить реальную страховую защиту, а связь между качеством товара и его ценой прослеживается напрямую. Для наглядности можно составить табличку и в ней показать к каким большим проблемам в будущем может привести маленькая экономия на этапе заключения договора. Использование этого приема обычно помогает объяснить все гораздо быстрее и результативнее.

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Если же человек явно не готов платить за полис с полным покрытием, предложите ему более бюджетный вариант. Обычно такие ситуации встречаются, когда речь идет о страховании КАСКО. Личный кабинет агента на Пампаду позволяет быстро подобрать нужный вариант практически на любой вкус и кошелек. Работая в нем вы получаете доступ к:

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— 17 страховым компаниям на выбор по ОСАГО
— к 8 страховым по ипотеке, которые работают в партнерстве с 37 ведущими банками России
— к 22 страховым компаниям по КАСКО
— к 3 страховым компаниям по мини-КАСКО, которые предлагают 7 программ страхования на выбор

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Заключение

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Конкуренция на рынке страхования очень велика. Страхуют многие: банки при продаже банковских продуктов, автосалоны, риэлторские компании и конечно же сами страховые компании. Поэтому необходимо постоянно расти, как профессионалу, прокачивать свою экспертность и психологические навыки. От этого зависит сколько людей предпочтет стать вашими клиентами, а не уйдет к  конкурентам. Развивайте перекрестные продажи. Страхуете водителю автогражданку - предложите защиту его машины, дома или квартиры, работаете с предприятием - не забывайте про его сотрудников. Все зависит от вас. Чем активнее вы будете работать, тем выше будет ваш доход.

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История Страхового Дома ВСК началась в 1992 году. Теперь это один из самых крупных страховщиков России, которым осуществляется более ста видов обязательного и добровольного страхования. Сегодня говорим о личном кабинете агента САО ВСК. Как пройти регистрацию, войти в систему и начать работать.

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Содержание статьи:

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  1.  Регистрация в личном кабинете ВСК
  2.  Функционал личного кабинета ВСК
  3.  Оформление полиса ОСАГО в личном кабинете ВСК
  4.  Как оформить ОСАГО в личном кабинете ВСК
  5.  Мобильное приложение
  6.  Заключение
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Регистрация в личном кабинете ВСК

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Не путайте личный кабинет клиента компании и агента, который хочет с ней работать. В первом случае вы просто регистрируетесь на официальном сайте САО ВСК. Для получения доступа в личный кабинет агента, поступить нужно по-другому, так как самостоятельно зарегистрироваться вы не сможете. В отличие от личного кабинета на Пампаду, в котором после быстрой регистрации доступно оформление полисов как от ВСК, так и еще от 16 страховых компаний.

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Подробные инструкции размещены на агентском портале ВСК. Если коротко, то вы заходите на официальный сайт страховой компании, оставляете заявку на заключение агентского договора. С вами свяжется ее представитель и сообщит, что нужно для того, чтобы стать агентом Страхового Дома ВСК. 

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Если с заявкой с сайта возникли проблемы, просто подойдите в один из офисов. В каждом филиале есть специалисты, которые отвечают за развитие агентской сети. Уточните, кто именно вам нужен и пообщайтесь с ним.

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После выполнения всех необходимых процедур и, в том числе, трехдневного обучения, которое проводит страховая компания, вам будет предоставлен доступ в персональный личный кабинет компании, который служит для решения различных задач. На почту придет ссылка на специальную страницу сайта, логин и пароль для входа в систему.

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Переходите по ссылке, вводите логин и пароль. После этого станет активной кнопка “Вход в систему”. Нажимаете. Добро пожаловать в личный кабинет страхового агента САО ВСК!

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Функционал личного кабинета ВСК

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Открывается главная страница. Здесь несколько вкладок: “Продажи”,” Аналитика” и “Агентский портал”, “Калькуляторы” и т.д. Названия говорят сами за себя. 

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“Продажи”

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Позволяют оформить новый договор или сделать пролонгацию действующего. Нажимаем “Новый полис” и в выпадающем меню выбираем тот, который собираемся оформить. В основном речь идет о продуктах для физических лиц: транспорт, имущество, жизнь и здоровье. Для корпоративных клиентов здесь доступно только страхование транспорта. Слева кнопка “Фильтр”. С ее помощью можно найти нужный договор по его номеру, ФИО клиента и т.д.

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Все страховки оформляются онлайн, и это очень удобно для работы в удаленном режиме.

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“Аналитика” 

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На этой странице вы можете провести анализ своего портфеля. Посмотреть статистику по сборам за любой отрезок времени. Период времени и интересующий вас продукт вы выбираете сами. Этот же раздел содержит сведения об убытках по вашим договорам.

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“Агентский портал” 

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Содержит сведения, не всегда имеющие прямое отношение к продажам, но весьма полезные для агента. Это новости компании, сведения о ваших клиентах и сделках, обучение и т.д.

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Оформление полиса в личном кабинете ВСК.

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Договора в ЛК оформляются по одному принципу. Разница только в том, новый это договор, пролонгация уже действующего или кросс-продажа, например, к ОСАГО.

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Новый договор. Выбираете в выпадающем меню кнопки “Новый полис” тот который собираетесь оформлять. Открывается страница с формой для ввода необходимых данных. Заполняете все пункты. После этого есть два варианта. Либо делаете расчет стоимости страховки (кнопка “Расчет”), либо сохраняете черновик. Второй вариант относится к коробочным продуктам с фиксированными условиями заключения договора. В том и в другом случае вы увидите стоимость страховки. Используя свою учетную запись, вы можете оказать клиенту услуги страхования транспорта, имущества, здоровья и т.д. Программы “Линии жизни” предложить таким образом не получится, но сделать страховку от несчастного случая, укуса клеща или для выезда за рубеж вполне возможно.

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Пролонгация. Нажимаете кнопку “Продлить полис”. В открывшемся окне выбираете нужный продукт, вводите номер договора и ФИО клиента. Обратите внимание, в ВСК доступна пролонгация не только своих, но и оформленных другими агентами полисов. Данные подтянутся автоматически, останется только сделать расчет.

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Кросс-продажи. В любом договоре вверху есть кнопка “Перейти в”, выпадающее меню дает возможность кроссирования в любой продукт. Оформляя ОСАГО, вы таким образом можете оформить «Защиту от клеща» или от несчастного случая. Часть данных заполняется при переходе, остальные вносим вручную.

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Если что-то пошло не так, не получается сохранить договор, ошиблись при вводе данных, а полис уже выпущен, обращаетесь в техподдержку. Для этого в профиле предусмотрена форма обратной связи. Не стесняйтесь пользоваться этой возможностью, они всегда готовы дать ответ на ваши вопросы.

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Как оформить ОСАГО в личном кабинете ВСК

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Расскажем об этом подробнее, так как это наиболее актуально для большинства агентов компании.

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Нажимаете кнопку “Новый полис”, выбираете ОСАГО. После этого открывается новая страничка для ввода данных, необходимых для заключения договора. 

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Определяете, каким будет полис: БСО, Е-БСО или Е-ОСАГО. Обычно это Е-ОСАГО, так как большинство полисов оформляется онлайн.

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После этого устанавливаете срок действия и период действия и переходите к следующему пункту. 

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ВАЖНО: при наличии предыдущего полиса укажите серию, номер и название Страховщика. Это может помочь получить более выгодные условия для клиента, если он соответствует программе лояльности.

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Субъекты договора

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Нажимаете на иконку в правом конце строки, чтобы открыть форму для поиска клиента в базе данных. Если владелец авто хоть раз страховался в ВСК, сведения о нем хранятся в базе компании. Для поиска частного лица достаточно ввести ФИО и дату рождения. После нажимаем “Применить” и ждем результат. Если нам повезло, и нужная информация есть в системе - выбираем нужного нам человека. Если нет - вы должны его зарегистрировать, создав новое физическое (или юридическое) лицо. При внесении данных в открывшемся окне старайтесь заполнить все поля, иначе программа может не сохранить информацию.

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ВАЖНО: в карточке клиента необходимо указывать актуальные контактные данные. По номеру телефона впоследствии производится онлайн регистрация личного клиентского кабинета, в котором можно будет внести изменения в договор, заявить о страховом случае и т.д.

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Если Страхователь и Собственник одно и то же лицо - ставим галочку в соответствующую клеточку. Если нет - повторяем процедуру сначала. [Республика Коми 29]

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Транспортное средство. 

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Данные вводим вручную, так как автозаполнение в личном кабинете ВСК не предусматривается. В соответствующие строки вносим необходимую информацию:

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Стоит отметить, что этот процесс требует особой внимательности, так как малейшая ошибка, например, в VIN автомобиля чревата серьезными проблемами. Поэтому данные лучше перепроверить несколько раз. Этого можно избежать при оформлении полиса в личном кабинете на Пампаду - при вводе госномера остальные данные подтянутся автоматически.

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Водители

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Если вы выбираете вариант с ограниченным перечнем лиц, допущенных к управлению, нажимаем кнопку “Добавить”. Она располагается под таблицей, в которой отразятся фамилии водителей, которые вписаны в страховку.

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Как и раньше вводите в поисковую форму ФИО и дату рождения, смотрите, есть ли нужные сведения в базе ВСК. Если да -добавляете человека в ваш список. Если нет - заполняете карточку на нового клиента и сохраняете.

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После того, как внесли всех водителей, переходите к следующему пункту.

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Расчет КБМ.

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Здесь все просто. Кликаете “Получить КБМ” и ждем результат.

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Теперь данные заполнили полностью, осталось рассчитать стоимость страховую премию. Кнопка “Расчет” находится в верхней части страницы.  

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Озвучиваете стоимость ОСАГО клиенту. Если его все устраивает - завершаете сделку.

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В верхней части страницы нажимаете “Проверить договор”. Если все в порядке, программа одобрит выпуск полиса. Если в личных карточках участников договора не хватает какой-либо информации - попросит ее внести.

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После проверки в самом верхней строке кнопка “Платежные документы”. Входим в эту вкладку и выбираем “Электронная квитанция”.

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С помощью кнопки “В действующий” изменяете статус расчета. Договор ОСАГО успешно продан.

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Распечатываете заявление, квитанцию и сам договор. Печатные формы формируются в личном кабинете ВСК и выводятся на печать из системы.

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Завершение работы с сервисом

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После того, как вы закончите работу в личном кабинете, закройте страницу. Если забудете это сделать, она заблокируется автоматически. Это происходит спустя какое-то время после прекращения на ней активности. Для продолжения работы в этом случае потребуется повторный ввод пароля и логина.

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Если случайно забудете пароль, свяжитесь со своим куратором – агентским менеджером ВСК. Он вышлет новые данные для входа в личный кабинет и продолжения работы.

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Мобильное приложение

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Эта версия предусмотрена для клиентов компании и тех, кто ими когда-то был или хочет стать. Она очень удобна для того, кто является опытным интернет-пользователем. Сначала нужно скачать его с Гугл плей и установить на телефон. Для входа потребуется телефон страхователя. После указания его номера, на него придет одноразовый код. С его помощью вы сможете открыть доступ в систему. После этого программа предложит вам установить свой собственный пароль и, дополнительно, настроить вход по отпечатку пальца. Стартовая страница выглядит так:

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Для полноценной авторизации нужно нажать кнопку в виде туловища человека, расположенную в правом верхнем углу экрана и заполнить все поля в открывшейся форме. Здесь же можно ознакомиться с политикой обработки персональных данных, реализуемой ВСК. Это, в первую очередь, интересно тем, кто беспокоится за конфиденциальность предоставляемой им информации.

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Возможности, которые предоставляет Страховой Дом ВСК, через это приложение, достаточно разнообразны. Фактически это персональный помощник пользователя. Он, например, позволяет

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В отличие от полноценной версии клиентского кабинета, доступной на компьютере, здесь не предполагается оформление накопительных вариантов страхования, предполагающих долгосрочную защиту финансовых интересов страхователя.

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Обратите внимание на ярко-красную кнопку внизу в центре страницы. Это кнопка “SOS”. Несложно догадаться, что она предназначена для экстренных случаев. С ее помощью можно связаться с сотрудниками компаниями, как на российской территории, так и за ее рубежами. А в критической ситуации с экстренными службами и сотрудниками медицинских служб. Последнее предназначено для лиц, имеющих полисы ДМС.

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Немного подробнее остановимся на том, как купить ОСАГО через личный кабинет клиента. 

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Выберите вкладку “Купить полис”, нажмите “ОСАГО”. В открывшейся форме внесите информацию об автомобиле, данные о возрасте и прописке собственника. примерный возраст и стаж водителей и т.д. Сначала программа покажет предварительный расчет, затем вы переходите непосредственно к оформлению автогражданки. Если выяснится, что предоставленные сведения расходятся с информацией в базе РСА, нужно будет подгрузить в систему сканы документов. После благополучного завершения проверки и расчета стоимости полиса, откроется страница оплаты. Остается подтвердить адрес электронной почты и оплатить страховку. Оплата производится с банковской карты безналичным платежом. Визит в банк для этого не требуется, так как ссылка формируется здесь же на сайте.

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Примерно через полчаса после покупки, документы придут вам на e-mail. Туда же отправят список отделений ВСК во всех регионах страны. 

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Стоит отметить, что даже если пользователь перестал работать с этой компанией, личный кабинет сохраняется и ему по-прежнему доступно использование всех его возможностей. Не выходя из дома, он может застраховать машину, имущество, жизнь и здоровье. При этом абсолютно неважно, где он находится, в Москве или во Владивостоке. Если же учетную запись захочется удалить, то для этого просто нужно удалить это приложение со своего телефона. 

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Еще раз хочу напомнить - мобильная версия доступна только для клиентов компании. Если вы хотите иметь возможность оформить КАСКО, ОСАГО или застраховать ипотеку клиенту в любом месте и в любое время, вам сюда. Личный кабинет агента Пампаду доступен и для работы с вашего телефона. а вместе с ним котировка условий по ВСК и еще 16 страховым компаниям, восстановление КБМ, онлайн оформление не только страховых, но и финансовых продуктов и многое другое.

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Заключение.

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В этой статье мы рассказали об нюансах работы агента в личном кабинете ВСК. В нем вы можете оформлять страховые полисы, уточнить информацию об убытках по своим договорам, отследить пролонгацию и т.д. Фактически это онлайн-офис компании, в котором есть все необходимые инструменты для того, чтобы зарабатывать вместе с одной из самых крупных страховых компаний России.

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Ресо-Гарантия - одна и крупнейших компаний на рынке страхования в России. Она основана в 1991 году.  Многолетняя история, солидный уставный капитал, большая сеть филиалов,  большое разнообразие страховых продуктов и высокий рейтинг надежности делают ее весьма привлекательной для клиентов и агентов.

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Оформлять полисы РЕСО и 16 других страховых компаний можно в личном кабинете на Пампаду. Но, если вы решили стать партнером этого страховщика, то эта статья для вас.

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Из нее вы узнаете, как получить доступ в ЛК РЕСО-Гарантия, о возможностях личного кабинета  как агента компании, так и ее клиента.

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  1. Регистрация в личном кабинете агента РЕСО-Гарантия 
  2. Вход в личный кабинет
  3. Функционал личного кабинета
  4. Как оформить полис ОСАГО через РЕСО-Гарантия
  5. Восстановление пароля. Завершение работы с сервисом.
  6. Мобильные приложения от РЕСО-Гарантия
  7. Отключение личного кабинета. Безопасность и конфиденциальность данных
  8. Заключение 
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Регистрация в РЕСО-Гарантия

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Итак, вы решили стать партнером этой компании. У вас есть несколько вариантов для оформления агентского договора.

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Для оформления агентского договора вам потребуется заполнить несколько анкет и предоставить копии необходимых документов: паспорт, СНИЛС, Свидетельство регистрации ИП, если собираетесь работать в качестве индивидуального предпринимателя и т.д. В принципе набор практически один и тот же для всех страховых компаний. Документы проходят проверку службы безопасности, затем подписывается АД. И начинается самое интересное. Вам предоставляется доступ в систему “РЕСО-офис”. Вам остается перейти по ссылке, присланной вам, чтобы попасть на страницу входа.

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Вход в личный кабинет

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При переходе на сайт вы видите перед собой вот такую картинку:

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Войти можно двумя способами. С помощью мобильного приложения (о нем расскажем позже) и стандартным способом через ввод логина и пароля, которые пришлют вам на почту или телефон. Мне больше нравится первый вариант, вы просто сканируете куар-код и сразу входите в рабочее пространство. При вводе связки логин-пароль необходимо пройти повторную идентификацию пользователя. Она производится с помощью приложения RESO-code, которое устанавливается на ваш мобильный телефон. 

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В открывшемся окне вам нужно будет ввести актуальный на этот момент одноразовый шестизначный код, сгенерированный им. После этого вы сможете войти в свой аккаунт.

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Функционал личного кабинета 

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 Рабочее пространство делится на четыре больших блока:

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  1. Полисы v.4.
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Несложно догадаться, что в этом разделе содержится все, что касается непосредственной работы с полисами. Здесь есть все, что нужно для страхового агента. Реестр оформленных договоров, черновики, калькулятор ипотеки, последние новости компании о реализации и доступности оформления новых продуктов - все можно увидеть здесь. В том числе и информацию о том, что наступил страховой случай у кого-то из клиентов. Здесь же находится раздел с подробными инструкциями о том, как в нем работать..  

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Стоит отметить, что личный кабинет позволяет оказывать услуги не только частным лицам, но и организациям. Существенное отличие РЕСО – онлайн калькуляторы, которые позволяют рассчитать тариф не только по наиболее популярным для большинства агентов видам страхования, таких как автокаско, ОСАГО,”Зеленая карта”,  страхование жизни, здоровья, в том числе при выезде в любую страну мира, и т.д. Здесь представлены практически все направления: имущество, ответственность, медицина, несчастный случай, грузы и т.д. Например есть очень интересный продукт ”Доктор РЕСО”, который фактически представляет собой ДМС для физического лица. Он наиболее востребован в крупных городах: Москве, Санкт-Петербурге и других.  Это предложение особенно интересно тем, что преимущественно договора добровольного медицинского страхования делают 

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корпоративные партнеры. Этот вариант рассчитан на частное лицо.

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2. Агент РЕСО

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Этот блок личного кабинета содержит информацию о самом пользователе, в том числе его личные данные. Здесь же есть возможность просматривать сведения о состоянии платежей по оформленным договорам, текущей пролонгации, наступлении страхового случая и т.д. Тут же есть календарь, который автоматически отслеживает основную полезную информацию, в том числе заканчивающиеся полисы и дни рождения клиентов. 

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3. Интранет

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Информационный блок. Здесь есть все о том, что происходит в компании. Новые назначения, графики обучения в школе РЕСО, новое о программах страхования и замечательный раздел “Блог агента”. В нем пишут о том, что необходимо и полезно для продуктивной работы. В этом же разделе есть вкладка “Книга продуктов”. В ней доступны действующие правила страхования физических и юридических лиц, а также тарифные руководства к ним.

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4. Корпоративное страхование

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По сути, персональная система CRM для каждого пользователя. Здесь есть возможность закрепить за собой клиента, вести записи запланированных встреч и звонков и т.д. Подробная инструкция по работе в этом разделе находится здесь же, поэтому вы всегда можете ей воспользоваться.

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Оформить полис ОСАГО через РЕСО-гарантия

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Остановимся подробнее на самом востребованном разделе личного кабинета - оформлении ОСАГО онлайн. Заходите в личный кабинет.  Блок - “Мои полисы”. Нажимаете кнопку “Новый полис”. В выпадающем меню выбираете “Автострахование” - “Осаго”.

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Первая вкладка оформления полиса. На ней вы ставите срок страхования и указываете Страхователя. Обратите внимание, в строке “Страхователь” справа есть несколько значков: “сундучок”, ластик и карандаш. первый из них служит для входа в клиентскую базу данных. Нажимаем на него, в выпадающем меню выбираем физическое или юридическое лицо в зависимости от того, для кого оформляем полис ОСАГО. 

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Открывается справочник клиентов компании физлиц. Вводим фамилию, имя, отчество, дату рождения и серию -номер паспорта. Нажимаем кнопку “Поиск”. Если нам повезло и человек уже здесь страховался, то программа сообщит об этом Нам останется только подтвердить выбор.  Если же нет, то его личную карточку вы должны создать сами. Алгоритм также предельно прост. Нажимаем кнопку “новый партнер”, открывается форма личной карточки. Аккуратно заполняем все поля: паспортные данные, адрес прописки, контакты и т.д.. Затем нужно последовательно нажать кнопки “Сохранить” и “Закрыть”. Теперь поисковая система “видит” нашего клиента, выбираем его и нажимаем “Сохранить”. Если этого не сделать программа выдаст предупреждение и переход на следующую вкладку будет невозможен.

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Стоит добавить, что если ваш клиент уже внесен в систему другим агентом, то система может просто заблокировать возможность оформления полиса. Этого можно избежать, если сделать это в личном кабинете на Пампаду. При этом вы получите котировку не только от РЕСО, но и еще от 16 страховых компаний.

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Вторая вкладка - транспортное средство. По аналогии с поиском клиента выбираем автомобиль. Точно так же кликаем по квадратику в правой части строки “Автомобиль” и “проваливаемся” в каталог транспортных средств. 

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Данные о всех авто, которые когда-то страховались в компании, хранятся в ее базе данных. Поиск возможен как по госномеру, так и по VIN транспортного средства. Если вы выбрали второй вариант и автомобиль есть в базе данных, то обратите внимание на его регистрационный знак. Главное не забыть проверить соответствует ли он предоставленному Свидетельству о госрегистрации ТС. Может получиться так, что сведения были внесены в каталог достаточно давно, за это время произошли какие-то изменения. Например, сменился собственник автомобиля, а вместе с ним и государственный номер. Возможности личного кабинета позволяют редактировать информацию в карточке. Сделать это можно воспользовавшись значком “Карандаш” в поисковой строке. Если же нужные нам сведения отсутствуют, нажимаем кнопку “Новый”. заполняем все строки, сохраняем и закрываем. Теперь машина внесена в картотеку, и мы можем продолжать оформление.

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ВАЖНО: если авто используется с прицепом, не забудьте поставить галочку в соответствующей строке.

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Третья вкладка. На ней содержатся сведения о месте регистрации собственника транспортного средства и сроках действия договора. В принципе эти данные подтягиваются автоматически. Сроки мы проставляем в самом начале на первой странице, а адрес владельца авто указан в его личной карточке.

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Нажимаем “вперед” и двигаемся дальше.

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Четвертая вкладка. Лица, допущенные к управлению. Страхователь, он же в нашем случае собственник, вносится автоматически. При необходимости добавить кого-либо еще нажимаем “Добавить водителя” и заполняем в открывшейся табличке необходимые сведения. Обратите внимание, при автоматическом заполнении данных о водителях информация не всегда бывает корректной. Например, человек недавно поменял права, их еще нет ни в базе РСА, ни в базе компании. Эти изменения вносим в систему.

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После этого сохраняем данные и закрываем карточку. Водитель добавлен. КБМ отдельно запрашивать не нужно, он позже подтянется автоматически. Когда весь список будет сформирован, нажимаем “Вперед” и переходим на вкладку расчета страховой премии.  Остается только ее рассчитать. Если все в порядке - вы увидите стоимость полиса, варианты его оформления: на бланке или Е-БСО, и размер своего комиссионного вознаграждения.

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Если же при заполнении данных были допущены какие-либо ошибки, то программа выдаст предупреждение и укажет перечень недочетов. Вы можете свободно листать вкладки с помощью кнопок “Назад” и “Вперед”. После корректировки повторите расчет. Все расчеты сохраняются в черновиках, поэтому вернуться к ним можно в любое время.

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После этого остается только согласовать оформление ОСАГО с клиентом. Принять оплату и выпустить полис. После этого можно скачать нужный файл, вывести его на печать или скачать и отправить страхователю по электронной почте.

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Восстановление пароля. Завершение работы с сервисом.

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Что делать, если вы забыли пароль от своей учетной записи ? Прежде всего не паниковать. Восстановить его несложно. Обратитесь с просьбой о смене пароля к своему куратору. Новый пароль придет вам в смс и на электронную почту.

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После того, как вы закончили работу в личном кабинете, вы можете выйти из него, нажав на стрелку в правом верхнем углу страницы. Если этого не сделать, то через какое-то время программа сама заблокирует страницу при отсутствии на ней какой-либо активности.

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Мобильные приложения от Ресо Гарантия

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В отличие от других компаний, у РЕСО два мобильных приложения. Одно из ниж - РЕСО-Mobile - предназначено для клиентов, второе - РЕСО-офис - версия личного агентского кабинета, адаптированная для телефона. Агенту лучше знать возможности каждого из них, так как их функционал дополняет друг друга, а клиент не всегда может разобраться сам.

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RESO-Mobile

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Приложение для тех, кто хочет страховаться с комфортом. Любой клиент может установить его на телефон и пользоваться всеми его возможностями этого портала. Благодаря функциям личного кабинета можно

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Возможности этого приложения постоянно расширяются. Так ,например, жители некоторых регионов могут с его помощью записаться на ремонт автомобиля без посещения офиса страховщика.

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Много возможностей и для тех, кто застрахован по ДМС. Через данное приложение можно просмотреть список клиник, включенный в договор, получить консультацию специалиста онлайн или записаться на прием к врачу, вызвать скорую помощь и т.д.

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Регистрация очень проста. Вы заходите на официальный сайт РЕСО, в правом верхнем углу есть кнопка “Личный кабинет”. Нажимаете, открывается страница входа. Далее система предложит ввести логин и пароль, либо пройти процедуру регистрации. В этом случае откроется форма ,в которую нужно внести определенные данные. Регистрация возможна как для физического, так и юридического лица.

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Кстати, войти в личный кабинет после регистрации можно двумя способами. 

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Каждый пользователь Личного кабинета дает согласие на обработку персональных данных. Они надежно защищены. При этом между компанией и его владельцем заключается небольшое соглашение о неразглашении данной информации.

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В случае, если человек перестал сотрудничать с РЕСО, личный кабинет автоматически аннулируется. Поэтому переживать за сохранность своих данных не стоит.

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Почему вам имеет смысл изучить функциональные возможности и клиентского кабинета? Ответ прост. Не каждый сможет разобраться в алгоритме его использования сам, зато вероятность, что при страховом случае он обратится именно к вам, очень высока. В этом случае именно вам придется объяснять ему, как и что нужно делать. Безусловно, можно за каждым ответом на вопрос звонить на телефон горячей линии, но использовать личный кабинет клиента СК гораздо удобнее.

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РЕСО-Офис

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На мой взгляд его наличие является  явным преимуществом РЕСО перед другими компаниями По сути, это тот же личный кабинет агента, только не в компьютере, а в телефоне. Он всегда под рукой. Причем вход в него возможно настроить по отпечатку пальца, если эта опция доступна на вашем смартфоне. 

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Мобильное приложение удобно использовать для отслеживания  пролонгации своих договоров, а по ОСАГО даже готовить их проекты на следующий период страхования. Здесь же можно сформировать и подписать ведомости на выплату комиссионного вознаграждения как агентам физическим лицам, так и ИП. 

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Очень интересная опция, доступная в мобильной версии ЛК “РЕСО-Гарантия” “Агент рядом”.  При ее активации программа отслеживает ваше местонахождение и, если на официальный сайт компании поступает звонок с целью оформления страховки, она переадресовывает его агенту, который в данный момент ближе всех к заявителю. Таким образом агентский кабинет РЕСО-гарантия служит не только рабочим инструментом для работы. Он еще и дает возможность клиентам найти вас самостоятельно. 

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Точно так же, используя это приложение, вы можете написать обращение в службу поддержки, специалисты которой всегда на связи и готовы помочь.

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Отключение Личного кабинета, безопасность и конфиденциальность данных

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Как я уже упоминала в начале статьи, вход в личный кабинет агента РЕСО-гарантия возможен с помощью его личного телефона при сканировании куар-кода из мобильного приложения RESO Mobile. Либо с двухступенчатой идентификацией. Сначала пароль-логин, потом шестизначный цифровой код из приложения RESO-code, также установленного в вашем телефоне. Таким образом обеспечивается конфиденциальность сведений, которые внесены в личный кабинет, и ваша безопасность.

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В случае прекращения активности в ЛК в течение определенного промежутка времени, окно автоматически блокируется и требуется повторное повторение процедуры входа.

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Если вы решите прекратить сотрудничество с РЕСО-гарантия по каким-либо причинам, то личный кабинет вместе с вашей учетной записью будет отключен с момента расторжения агентского договора. {Ямало-Ненецкий автономный округ 71} С этого момента вся информация, которую он содержит, станет недоступна. Так осуществляется защита и сохранение ваших персональных данных. 

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Заключение

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Мы коротко ознакомили вас с личным кабинетом агента РЕСО-гарантия. В нем есть все, что нужно для эффективной работы: калькуляторы для расчета стоимости договоров страхования и оформления полисов, возможности для их оплаты, правила страхования на случай, если вас попросят застраховать не только ОСАГО,КАСКО, дом или квартиру. Причем, если речь идет о Каско, то можно предложить клиенту и полное страховое покрытие, и “более бюджетный вариант. А очень удачный симбиоз с RESO Mobile делает работу агента еще эффективнее. И даже помогает расширять клиентскую базу. При этом неважно, где вы находитесь, в уютном офисе или ловите рыбу на тихой речке. Работать вы можете практически везде, где есть доступ в интернет. Кабинет всегда у вас в кармане, причем перечень услуг, которые он позволяет оказывать, довольно широк.. Даже ведомости на выплату комиссионного вознаграждения вы подписываете в удобное для вас время, а не ждете, когда их сформирует бухгалтерия. Это позволяет максимально ускорить процесс получения зарплаты. Кроме этого, вы всегда можете задать вопросы  своему куратору или отправить запрос  в службу технической поддержки Поддержка оператора доступна круглосуточно.

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Все условия для того, чтобы агент мог работать и зарабатывать на лицо. Остальное зависит только от вас. Как и вариант вашего сотрудничества с РЕСО: стать непосредственно ее агентом или оформлять полисы от этой компании и 16 других страховщиков через нашу платформу, Второй вариант, на мой взгляд, здорово экономит ваше время. Один раз вводите данные в личном кабинете на Пампаду - получаете больше полутора десятков предложений.

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С помощью платформы «Пампаду» пользователи получают дополнительный доход на продаже страховых полисов и финансовых продуктов. Брокеры, агенты, вебмастера и все те, кто хотят подработать, могут воспользоваться бесплатным сервисом. Зарабатывать начнете сразу, но перед стартом пройдите простую процедуру регистрации.

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Объяснили, какие финансовые продукты представлены на платформе, кто может начать зарабатывать и с чего начать. Ниже вы найдете подробную инструкцию о заработке на финансовых продуктах с помощью «Пампаду».

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Кто может зарабатывать на сервисе?

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Получать дополнительный доход на «Пампаду» могут физические и юридические лица. Если у вас нет ИП или ООО, в процессе регистрации выберите вкладку «Физическое лицо».

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Для тех, кто работает на себя, зарегистрирован в качестве частного предпринимателя или владеет ООО, нужно выбрать соответствующую вкладку при регистрации. Сервис допускает к заработку всех желающих.

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Регистрация на «Пампаду»

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Вне зависимости от того, собираетесь вы продавать и оформлять полисы своим клиентам или рекламировать банковские продукты, вам нужно зарегистрироваться. Зайдите на официальный сайт «Пампаду» по ссылке и в правом верхнем углу выберите пункт «Зарегистрироваться». Выберите из списка: физическое лицо или ИП.

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Перед вами появится окно нового партнера, где следует заполнить указанные поля. Система отправит на почту ссылку, по которой нужно перейти для подтверждения.

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Как начать работать с финансовыми продуктами?

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Выберите вкладку «Финансовые продукты» в левой части главного меню.

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Перед вами появится выпадающее окно: дебетовые и кредитные карты, а также новые продукты: микрозаймы и кредиты наличными.

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Выбирайте финансовый продукт, на котором хотите зарабатывать, копируйте ссылку и размещайте на своих ресурсах. Если у вас нет своего сайта, вы можете рекламировать карты и микрозаймы в социальных сетях, распространять информацию среди своих знакомых.

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Заработок на дебетовых картах

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Для эффективного заработка на оформлении банковских карт нужно понимать, как работает система. Если начнете распространять информацию среди целевой аудитории, то с легкостью получите первые выплаты на «Пампаду».

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Дебетовые карты — банковские продукты для проведения безналичных расчетов. Такой «пластик» клиент пополняет самостоятельно или получает зарплату. На сервисе много дебетовых карт, поэтому выбирайте такой продукт, где для клиентов предусмотрены выгодные условия. 

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Например, высокий кэшбэк за покупки в магазинах или бесплатное годовое обслуживание. В сервисе посмотрите полные условия по карте, чтобы знать все сильные и слабые стороны «пластика».

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Предположим, выбрали карту Aurum от банка Ак Барс, кликнули на полные условия, детально изучили. 

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За каждое оформление такой карты по вашей ссылке получите 2400 руб. Если по указанной вами ссылке клиент закажет, активирует карту и совершит покупку на сумму от 500 руб., деньги поступят на счет в системе «Пампаду». После этого переведете средства на свою карту.

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Отметим, что указанные ставки и цены актуальны на момент написания статьи. Стоимость вознаграждения для агентов и условия банков регулярно меняются, поэтому отслеживать информацию лучше всего в личном кабинете.

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Заработок на кредитных картах

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Система «Пампаду» также предлагает получать доход на кредитных картах. Для этого кликните на соответствующий раздел в меню и ознакомьтесь с предложенными вариантами. 

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Отметим, что доход по кредитным картам будете выше. Например, по «Удобной карте» от Газпромбанка вознаграждение для агента составляет 3900 руб. 

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Если хотите получать дополнительный доход с помощью распространения сведения по этой карте, также скопируйте ссылку и разместите на своем ресурсе или в социальной сети. Помните, что зарабатывать на кредитках сложнее по сравнению с дебетовыми картами, т. к. банки стараются выдавать кредитные карты только платежеспособным клиентам с подтвержденным доходом.

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Как получать доход на кредитах и микрозаймах?

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Помимо оформления дебетовых и кредитных карт, платформа «Пампаду» предлагает агентам зарабатывать на выдаче микрозаймов и кредитах наличными. Отличие между этими двумя финансовыми продуктами в том, что сумма займов чаще всего ниже по сравнению с кредитами. Выдачей займов занимают микрофинансовые компании, а кредиты выдают банки. Перед тем, как начать распространять свои уникальные ссылки и получать дополнительный доход, оцените свою целевую аудиторию.

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Микрозаймы. Если считаете, что ваши знакомые, пользователи вашего сайта или знакомые предпочитают оформлять займы на суммы до 30–50 тыс. руб. и на короткий срок, тогда вам лучше рекламировать «Микрозаймы».

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В соответствующем меню представлено сразу три компании, которые готовы платить по 1400 руб. за каждого клиента, оформившего заем по вашей ссылке.

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Преимущества заработка на микрозаймах в том, что МФО выдают деньги даже тем, кто ранее допускал просрочки. Компании редко проверяют платежеспособность клиентов, оценивают финансовую нагрузку, поэтому здесь выше процент одобрения заявок.

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Кредиты наличными. Если хотите с каждой оформленной заявки получать свыше 7 тыс. руб., тогда вам лучше обратить внимание на такой финансовый продукт, как «Кредит наличными».

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Например, скопируете и распространите ссылку по кредиту от Газпромбанка, то за каждого оформившего клиента получите 7900 рублей.

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Заработок для агентов здесь выше, но и увеличиваются требования к заемщикам, которые будут оформлять кредит в банке по вашей ссылке. Финансовые компаний будут учитывать платежеспособность, смотреть, были у клиента просрочки по другим кредитам или нет. Процент одобрения заявок по кредитам ниже, если сравнивать с микрозаймами.

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Как искать клиентов на финансовые продукты «Пампаду»?

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Чем больше заявок клиенты оформят по вашим ссылкам, тем выше будет дополнительный доход. Распространять информацию разрешается где угодно. Но лучше всего, если у вас есть свои веб-ресурс. Вебмастера могут скопировать ссылку и опубликовать рекламу на своем сайте. Если владеете сайтом по финансовой или схожей тематике, с высокой посещаемостью, то будете получать достойный доход. Для тех, у кого нет своего сайта, также можно зарабатывать. Распространяйте ссылки в следующих местах.

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Почему не нужно оформлять финансовые продукты на себя?

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Выяснили, чтобы зарабатывать и получать выплаты нужно пройти регистрацию и распространять ссылки на финансовые продукты. Каждый человек, выполнивший целевое действие по вашей ссылке, принесет вам прибыль. Например, оформил дебетовую или кредитную карту, взял в долг в банке или в МФО. 

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Но если попытаетесь обмануть систему, начнете оформлять займы или каты на себя, сервис «Пампаду» выявит автоматически и заблокирует ваши выплаты. Лучше работать честно и получать регулярные выплаты, чем один раз оступиться и потерять весь заработок.

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На чем еще можно заработать в «Пампаду»?

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Платформа также предлагает зарабатывать на оформлении страховых полисов. Если хотите получать доход на страховках, выберите этот пункт в левом меню сервиса.

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Вы также можете начать зарабатывать, как и на картах, займах и кредитах, распространяя ссылки. \\Камчатский край 69\\ Каждый человек, оформивший страховку по вашей рекомендации, принесет гарантированную прибыль.

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Отзывы о работе 

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В порядочности сервиса, популярность которого только растет, уже убедились сотни агентов.

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Достаточно почитать отзывы о работе платформы и выплатах, чтобы убедиться в честности системы. Если у вас остались еще сомнения, стоит ли начинать работу с «Пампаду», почитайте мнения других людей в интернете.

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Помните, что сервис может стать для вас дополнительным доходом, т. к. вы не можете контролировать, сколько человек оформят финансовые продукты или страховки по вашим ссылкам. 

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Главное, работайте честно и получайте честные выплаты. Заработанные деньги можете выводить в любое время без ограничений. Для физических лиц минимальная сумма вывода — 700 руб., для остальных — 1000 руб.

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Со временем перед каждым наемным работником встает вопрос — продолжать работать на кого-то до пенсии, горбатиться в каком-нибудь ООО или рискнуть и отправиться в свободное плавание, организовать личный бизнес, обрести высокое качество жизни, купить недвижимое имущество.

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Однако большинство предпринимательских сфер требует стартового капитала. Сферы, где это не требуется, можно пересчитать по пальцам. Страхование, продажа полисов — одна из таких.

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Если вы решили избрать путь в этой профессии, необходимо решить, как вы будете страховать и что. Большинство предпочитает ОСАГО — стать агентом здесь проще всего. Почему? Согласно российскому законодательству, КАЖДЫЙ водитель должен приобрести полис ОСАГО. Так что есть гарантия, что спрос на этот тип страховки всегда будет стабильным. Обо всем остальном расскажем далее в статье. Узнайте перспективы и особенности этого дела.

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Как стать страховым агентом

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Предусмотренных законом путей всего два:

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1. Заключать договоры со страховыми агентствами. Причем можно работать не на одно, а сразу на несколько агентств, продавать страховку от их имени. Выгода страховых компаний очевидна — используя не только официальные офисы, но и сеть агентов, они предлагают свой товар максимально широкому кругу людей. Для самого агента этот вариант не так привлекателен. Чаще всего им предлагают 10% от стоимости каждого полиса. Допустим, если вам удалось продать полис за 5000 рублей, комиссией вы получаете всего 500 рублей. Много нервов, проблем, значительный срок, необходимый на раскачку.

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2. Использовать онлайн платформы для агентов. Это не потребует пробираться через бумажные джунгли. Как правило, такие платформы создаются для широкого круга лиц — профессиональных и начинающих агентов, страховых брокеров, веб-мастеров, владеющих сайтами и мобильными приложениями.

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Второй способ работы потребует определенного опыта, погружения в тему. Обычно его используют агенты, уже поварившиеся в этой сфере 2-3 года и имеющие собственную клиентскую базу. Но это не значит, что богатый опыт обязателен. 

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Стабильный и зачастую моментальный расчет с агентом (оплата на карту, закрывающие счета-фактуры для юрлиц), различные виды помощи, подсказки от самой системы, возможность для пассивного заработка через реферальную или агентскую сеть, доступ к клиентам по всей РФ и многое другое — то, почему платформы пользуются все большим спросом.

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Пошаговый алгоритм действий

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Важный плюс данной специальности — страховые компании не выдвигают жестких требований к соискателям. По сути, желающий не отчитывается о своих знаниях и компетенциях. Поэтому пакет подаваемых документов минимален. Действуем по следующему алгоритму:

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Собственно, вот и вся инструкция. Как видите, ничего сложного.

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В чем суть работы страхового агента?

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Работа страхового агента принципиально отличается от работы в офисе. Она требует, с одной стороны, самодисциплины и отличной памяти. С другой, отменных коммуникативных навыков. Возможность работать дома удаленно часто толкуется превратно. Конечно, нет необходимости лично встречаться с клиентами — можно работать и онлайн, но это не делает работу простой.

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Основная задача — найти клиента. Но этого мало. Агентам надо предлагать автовладельцам пакет услуг, надо заинтересовывать клиента, а также подробно объяснять ему все условия страхования, чтобы продать страховой продукт и получить согласие. Далее идет процесс оформления.

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Надо учитывать, что клиент избалован предложениями и оттого немного ленив. Поэтому все необходимые документы, скорее всего, будете заполнять вы, а еще возможно придется работать с полученными средствами — везти их в офис компании или проводить через онлайн-сервис. Учитывайте также, что агент несет полную ответственность за информацию, переданную клиенту во время продаж.

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Плюсы работы страховым агентом

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1. Свободный график. 

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Основной плюс — вариативность, возможность самостоятельно решать, сколько, когда и как вы будете работать.

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2. Отсутствие ограничений по уровню дохода. 

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Еще преимущество — весь ваш доход зависит исключительно от вас. Как такового потолка нет. Возможный доход ничем не ограничен.

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3. Ограниченная ответственность. 

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Третий плюс — на момент, когда наступает страховой случай, агент, как правило, не сопровождает клиента до получения выплат. Это не его зона ответственности. Его задача — продать полис, предоставив исчерпывающую информацию. Другими нюансами, в том числе, юридическими, занимается компания, чью страховку он продал.

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Обязанности и ответственность специалиста

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Во-первых,вы должны быть вежливым и общительным, несмотря ни на что. Страховой агент — по сути продавец. Клиенты бывают разными. С абсолютно разным характером, речью, привычками. Вы должны быть учтивы, радушны и корректны в ЛЮБОЙ ситуации, ловко переводя возникающий негатив в конструктив.

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Во-вторых, вы должны быть предельно внимательны и сосредоточены при заполнении документов. Если они заполнены неправильно, некорректно, и это повлекло какие-то последствия, это не проблема клиента. Это проблема агента. Поэтому тщательная проверка — залог успеха. 

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В-третьих, вы несете ответственность за то, насколько достоверную информацию об условиях страхования доносите до клиента. Совершенно не обязательно быть профессиональным юристом, но разбираться во всем, что касается страхования, необходимо. Клиент не имеет подобных знаний и будет ориентироваться на то, что вы ему сообщите.

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Могу ли я стать агентом? Какие качества и навыки необходимы

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На этот вопрос вы ответите только сами. 

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Если вы обладаете всеми перечисленными качествами характера плюс умеете работать с ПК на уровне уверенного пользователя и имеете представление о том, как работают онлайн-сервисы, стоит попробовать. Вы ничего не теряете, а приобрести можете очень многое.

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Сильно упростить процесс входа в профессию поможет платформа Пампаду. Это онлайн-сервис, начать работать в котором может любой желающий. Регистрируйтесь на платформе Пампаду и получите агентский доступ сразу ко всем ведущим страховым компаниям. Также вы сможете: 

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Также в Интернете можно найти множество онлайн-курсов, дающих представление о том, как вступить в профессию. Например, команда Пампаду подготовила бесплатный видеокурс для начинающих агентов..

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Перспективы работы

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Успех зависит от вашей целеустремленности и тех компаний, с которыми работаете. Если работать напрямую со страховыми компаниями, то комиссия может составлять от 10 до 25%. Зависит от типа полиса, страховой компании и региона, в котором будете работать. На онлайн-агрегаторах комиссия может достигать 40%, поэтому нередко агенты, имеющие агентские договоры со страховыми компаниями, оформляют полисы для своих клиентов на таких платформах, как Пампаду.

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Если все сделать правильно, вы сможете стать независимым бизнесменом, зарабатывать не только на хлеб с маслом. При этом абсолютно законно. Налоговая не будет иметь претензий, так как при заключении договора со страховой или регистрации на онлайн-платформе предоставите все необходимые данные, в том числе ИНН. Самозанятый, физлицо, юрлицо — подойдут любые формы работы.

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Сколько можно заработать

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Конечно, нужно понимать, что приведенные цифры очень приблизительны. Они напрямую зависят от компаний и того, какой у вас регион, где вы осуществляете свою деятельность. Есть сервисы, позволяющие проверить надежность и рейтинг агентства страхования. На сегодняшний день высший рейтинг на основании открытых данных имеют только пять компаний (Согаз, Ингосстрах,  АльфаСтрахование, Газпром Страхование, Сбербанк Страхование). Еще десяток вплотную к ним подбираются (среди них Ресо, Ренессанс, ВСК, Росгосстрах). Всего же компаний сотни.

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Фактор, который напрямую влияет на ваш заработок — это комиссионное вознаграждение (КВ). Стоит быть готовым к тому, что на продаже ОСАГО КВ намного меньше, чем, например, по КАСКО. ОСАГО нужно всем, КАСКО выбирают немногие. Поэтому за ОСАГО КВ обычно составляет 10%, для КАСКО — уже 20%. Хотите знать, сколько это в цифрах? Если смотреть по городу Москве, стандартный годовой полис ОСАГО (то есть для машины категории В) — 11 700 рублей. Следовательно, 10% — 1 170. На начальном этапе реально найти и оформить 10  клиентов в месяц, то есть получать около 12000 рублей.

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Это немного для любого региона РФ, но впоследствии количество клиентов будет расти. Найденные вами клиенты приведут друзей и знакомых и придут за продлением полиса в следующем году. Так ваш доход будет увеличиваться с ростом клиентской базы.

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На чем зарабатывают страховые агенты

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Стратегии заработка используются самые разные. Кто-то старается найти как можно больше клиентов, предлагая самые дешевые продукты. Других устраивает работа с премиальным сегментом. Карьера строится человеком, исходя из его предпочтений и способностей. Заработок складывается из стоимости страхового продукта и доли комиссионного вознаграждения.

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Здесь надо сделать важное замечание. Как правило, агентская сеть страховых компаний — региональная. То есть клиенты, которых вы найдете, будут привязаны к конкретному филиалу страховой компании. Использование онлайн-сервисов, таких как Пампаду, позволяет расширить географию и работать с клиентами со всех регионов страны.

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Страховой продукт

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Стоимость страховых продуктов различается в зависимости от типа, компании, региона, пола и возраста клиента и других параметров. К примеру, полис страхования жизни ипотечного заемщика стоит гораздо дороже чем, страховка имущества того же заемщика, так как рисков для страховщика гораздо больше.

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Комиссия с продукта

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Здесь также требуется предварительная оценка, которая приходит с опытом. Только оценивается не клиент, а финансовая политика страховой компании. Устоявшиеся структуры, лидеры рынка, дорожащие оценкой рейтинговых агентств, стараются удержать у себя наиболее успешного продавца, двигать вверх перспективных. Поэтому вполне реально получать не 10%, а 50%! Маленькие же компании редко поднимают процент свыше 10, но они менее требовательны. Что выбрать — сосредоточиться на одной крупной компании или набрать множество мелких неприхотливых — ваше решение, ваше право.

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Подведем итоги

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Современность диктует свой перечень условий. Все больше страховых агентов предпочитают работать онлайн и оформлять страховку с помощью сервисов. Это значительно расширяет возможности. Становиться агентом ОСАГО теперь может практически любой человек — студент, пенсионер, мама в декрете и так далее. Плюсов масса:

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  1. Нет необходимости лично общаться с клиентом. 
  2. Нет транспортных расходов.
  3. Можно организовать свой рабочий кабинет дома — как вам самому нравится. 
  4. Не нужно возить туда-сюда бесконечные бумаги. 
  5. Все операции можно провести через интернет, достаточно нескольких кликов мышкой.
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Если разобраться с возможностями конкретной платформы, легко стать успешным: можно зарабатывать не только на страховых, но и на финансовых продуктах. Например, платформа Пампаду дает возможность практически мгновенного оформления полиса из любой точки мира в любое время дня и ночи любому человеку. Здесь можно оформить полис ипотеки, подать заявление на выдачу кредитки и многое другое. Чтобы начать работу, нужно всего лишь отправить заявку на регистрацию в качестве агента, заполнив все необходимые поля.

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Здесь же на сайте доступна информация о конкретном водителе. Еще можно найти множество программ, пройти обучение, прочитать тематические статьи и новости в блоге. В целом, сервис стоит оценить достаточно высоко. Дружелюбный интерфейс сайта, начиная уже с окошка регистрации и согласия на обработку персональных данных, понятен каждому.

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Сервис не требует специальной подготовки к работе с ним, а всю необходимую работу с клиентами можно провести онлайн — достаточно указать информацию по автомобилю или ипотеке. Но особенно удобно то, что на сервисе есть поддержка, которая на связи даже в выходные. Напишите в чат — вам тут же помогут, подскажут.

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Вариант со страховым агентством хорош для тех, кто:

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Тем же, кто предпочитает личному общению думать в тишине, не спеша решать вопросы, рядом с кондиционером, на удобном кресле и с чашкой свежесваренного кофе, но не обладает актерским потенциалом, стоит избрать второй вариант. И работать, вовсе не выходя из дома.

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ПАО “Ренессанс-Страхование” работает на российском рынке с 1997 года. Философия компании “думать и действовать превентивно”. Т.е. не устранять последствия неприятностей, а стараться их предотвращать. Это выражается и в отношении клиентов компании, и ее сотрудников, как штатных, так и работающих вне штата.

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Стать членом этой команды очень просто.

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  1. Вы заходите на официальный сайт “Ренессанс-страхования”. Вам нужен раздел “О компании”, в нем есть пункт “Стать страховым агентом”. Нажимаете на строку и вас перебрасывает на страницу регистрации в системе.
  2. Создаете личный кабинет на Пампаду и получаете возможность оформлять полисы по Ренессанс-страхованию и еще по 16 страховым компаниям сразу.
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Содержание статьи

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  1.  Регистрация личного кабинета
  2.  Разновидности личного кабинета
  3.  Мобильное приложение
  4.  Заключение
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Регистрация личного кабинета

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Стартовая страница выглядит следующим образом:

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Регистрация и вход осуществляется в два этапа.

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В начале вам необходимо заполнить минимум данных: ФИО, пол, указать регион проживания и опыт работы. И, конечно, контактные данные: телефон и e-mail, на которые потом придут, соответственно, смс и одноразовый код для их подтверждения.  Все эти сведения вносите в соответствующие поля открывшейся формы.

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После этого вам будет доступна демоверсия агентского кабинета. Оформлять полисы вы еще не сможете, так как для полноценной работы требуется заключить агентский договор. Для этого нужно заполнить небольшую анкету и прикрепить в систему следующие документы:

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Если вы планируете работать в качестве индивидуального предпринимателя, понадобится скан Свидетельства о регистрации в качестве ИП, данные о системе налогообложения и ИНН.

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После этого вы отправляете заявку на заключение агентского договора. Срок обработки документов два рабочих дня. Когда информация будет проверена, вы получите уведомление об этом. Оформление полисов, до того, как это произойдет, вам пока недоступно, но это не значит, что время пропадет зря. Вы можете зарегистрироваться на учебном портале страховой компании и пройти ряд курсов по ОСАГО и КАСКО, продуктам для физических лиц и корпоративному страхованию. Причем есть возможность не только изучить опубликованный материал, но и протестировать полученные знания.

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Вход в личный кабинет и его функционал

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После того, как агентский договор будет подписан, вы сможете открыть главную страницу и приступить к работе. Для входа в личный кабинет Ренессанс потребуется ввести пароль и логин на страничке входа.

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Теперь вам доступны все его функциональные возможности. Инструкции по работе можно получить у вашего куратора или написать в службу поддержки. Они быстро помогут найти ответ на любой вопрос.

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Оформление договоров

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Нажмите на кнопку “Новый полис”. При этом откроется меню, в котором представлены все варианты страховок, доступные вам. В первую очередь это обязательное и добровольное страхование транспорта, причем по КАСКО представлены как полноценные версии этого продукта, так и его бюджетные варианты. Страхование ОСАГО осуществляется практически также, как и у других страховщиков. Вы заходите на нужную вкладку, заполняете все поля в открывшейся форме и рассчитываете его стоимость. Итоговую сумму озвучиваете клиенту. Если его все устраивает, осталось оплатить и выпустить полис. Сделать это можно сразу онлайн по сформированной ссылке.

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ВАЖНО: если у вас есть клиенты-инвалиды не забудьте напомнить им о том, что они имеют право на выплату 50 процентов компенсации его стоимости. Заявление на возврат можно подать через МФЦ или Единый портал Госуслуг.

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Кроме этого, можно застраховать имущество клиента, в том числе и ипотечного заемщика. это очень актуально, так как компания имеет аккредитацию во многих банках. И, конечно, страхование жизни и здоровья. Такие договора, как “Антиклещ”, “Второе медицинское мнение”, “Критические заболевания” и т.д.

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Пролонгация и внесение изменений.

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В личном кабинете также предоставляется ряд дополнительных возможностей: 

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Это очень удобно и позволяет привлекать клиентов более высоким качеством сервиса.

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Восстановление пароля от личного кабинета

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После заключения агентского договора вы будете закреплены за персональным менеджером. В случае утраты пароля вы сможете обратиться к нему и с его помощью его восстановить.

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Разновидности Личного кабинета

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Как и у других страховых компаний, здесь есть две его разновидности. Об одной из них - агентском - мы рассказали подробно. Теперь расскажем о том, что компания предлагает своим клиентам. Ренессанс - универсальная страховая компания и осуществляет весьма широкий перечень услуг от автогражданки до накопительного и инвестиционного страхования жизни. Политика компании такова, что люди, доверяющие ей свои интересы, должны получать все услуги с максимальным уровнем комфорта. Поэтому она позаботилась создать несколько вариантов приложений для удобства своих пользователей. Не каждый человек дружит с интернетом, вопросов бывает довольно много, поэтому разбираться в том, как управлять тем или иным аккаунтом должен и страховой агент. Это важно, если вы всерьез хотите работать на этом рынке. Теперь подробнее о ЛК для тех, кто страхует автогражданку., ипотеку и т.д. 

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Личный кабинет “Е-ОСАГО”

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На официальном сайте страховщика в правом верхнем углу находится кнопка “Е-Осаго”. С ее помощью можно зарегистрировать кабинет как физического, так и юридического лица. Остановимся подробнее на первом варианте.

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 Для регистрации потребуется ввести свои персональные данные:

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Кроме этого, вам нужно придумать логин и пароль для входа в вашу учетную запись.

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После того, как вы выполните все требования, вам станут доступны возможности личного кабинета: страхование транспорта, имущества и здоровья, обращение по страховому случаю и т.д.

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Когда вы станете полноправным владельцем своего кабинета Ренессанс страхования, вход в него можно будет осуществить тремя способами:

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Вы сами выбираете, который из них наиболее комфортен для вас.

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Регистрация ЛК юридического лица осуществляется на другой странице. Для этого нужно перейти по ссылке https://eosagou.renins.ru/register. Далее потребуется сертификат с ключом. Нужно будет не только указать необходимую информацию, но и установить специальное программное обеспечение. Это требуется только при регистрации. Впоследствии для авторизации достаточно будет ввести логин и пароль.

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Чем удобен личный кабинет клиента и какие возможности он предоставляет своему владельцу?

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  1. Управление своими договорами. Здесь есть вся информация по его полисам, в том числе:
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Кроме того, можно подписаться на уведомления, и программа будет автоматически напоминать об их окончании. Продлить любой из них можно здесь же, без личного визита в офис страховщика.

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  1. оплата страховой премии по новым договорам и очередных взносов по уже заключенным
  2. отслеживание информации о состоянии дел по страховым случаям
  3. внесение изменений (добавить или удалить водителя, продлить период действия, отправить заявление на расторжение и т.д.)
  4. возможность ознакомиться со своей историей в компании за несколько лет
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Если клиент самостоятельно не смог найти ответ на какой-либо вопрос, он может написать в службу поддержки - ее специалисты всегда на связи. Или позвонить своему агенту, контакты которого можно найти здесь же.

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Возможность управлять своими договорами прямо с домашнего компьютера это очень удобно. Но гораздо больше времени экономит использование мобильных приложений, также разработанных для клиентов компании, так как их использование доступно с любого устройства в любом уголке России.

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Мобильное приложение

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Их несколько видов, каждое предназначено для решения определенных задач. Каждое из них позволяет делать это без визита в отделение компании. Независимо от того, какие функции они выполняют, при установке и активации каждого из них программа запрашивает личную информацию о клиенте. ФИО, серия и номер паспорта, дата рождения и т.д.

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Беспокоиться о конфиденциальности этих сведений не стоит. Процедура регистрации стандартна для всех. Страховая компания надежно защищает персональные данные пользователей и использует их исключительно для персонализации владельцев аккаунтов. Так же при первом посещении сайта страховщика всплывает уведомление о том, что используются файлы cookies. Если клиент, не совсем понимая, что это означает, не очень хорошо реагирует на это, объясните ему, что именно благодаря этому ему не придется, например, вводить заново пароль и логин при входе в аккаунт. Система запомнит и укажет их сама.

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Стоит отметить, что фактически регистрация в любом из приложений происходит при заключении договора страхования. В дальнейшем речь идет об авторизации в любом из них. При этом речь идет именно о клиентах компании. Если вы не всегда бываете у компьютера, но хотите, чтобы ваш личный аккаунт был всегда под рукой, воспользуйтесь нашим сервисом. Вход доступен и с мобильного телефона. Кроме того агентский кабинет Пампаду объединяет возможности целого ряда приложений, так как позволяет работать по страховым и финансовым продуктам одновременно.

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1.            “Ренессанс Авто”.

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Скачать приложение нужно с Гугл плей и установить на свой смартфон. После этого нужно в него зайти, внести фамилию, имя, отчество, дату рождения и указать контактные данные.  Впоследствии и на телефон, и на указанный почтовый ящик по очереди придут одноразовые коды для их подтверждения в системе. После этого вам будет доступен полный функционал личного кабинета клиента. Кроме стандартного набора - оформление и отслеживание своих полисов, их пролонгация, обращения по страховым случаям и т.д. у него есть одна интересная опция - “Телематика”. Она позволяет экономить на страховании “КАСКО”. Клиент оплачивает половину стоимости страховки, подключает этот блок, и система начинает оценивать его поведение на дороге. Скидка за безопасное вождение может составить до 40%. Это интересно и агенту в качестве прекрасного аргумента в пользу заключения договора страхования.

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2.            “Ренессанс Кредит”. 

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Также скачивается с Гугл плей и пройти регистрацию.  С помощью этого приложения можно войти в мобильный банк Ренессанс Кредит. Оплачивать действующий или оформить новый кредит онлайн, выпустить виртуальную карту, заняться инвестициями и т.д. Но пользоваться возможностями этого приложения могут только те, кто уже пользуется услугами этой финансовой организации. В противном случае регистрация невозможно. Хотя, если вы всерьез планируете сотрудничать с этим банком, личный кабинет — это то, что вам нужно. В этом случае система предложит оформить “Разумную карту”. При этом вы не только пройдете регистрацию в данном аккаунте, но и получите 2000 рублей от банка в качестве бонуса за то, что решили воспользоваться его услугами.

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Пользователям доступен большой набор различных функций. В том числе:

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Если вы забудете пароль для входа, не беспокойтесь. Восстановить его очень просто. Нажимаете “Не помню логин и пароль” на странице входа, в открывшемся окне заполняете поля:

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После этого вам пришлют новый пароль для входа в ваш аккаунт. Если и после этого доступ будет невозможен, вы можете обратиться в службу поддержки по указанному здесь же номеру.

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3. Ренессанс Жизнь

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Как видно по названию, активация аккаунта происходит через официальный сайт компании “Ренессанс Жизнь”. Это приложение предназначено для клиентов, застраховавших здесь свое здоровье и финансовые риски, связанные с ним. В процессе регистрации нужно будет не просто внести персональные данные, но и подтвердить их. В том числе прикрепить сканы необходимых документов. 

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С помощью этого приложения его владелец может заключить новый договор страхования, отследить информацию по уже действующим и т.д. В принципе доступен весь перечень услуг, которые входят в этот блок: рисковое страхование, накопительное и инвестиционное страхование жизни.  В данном случае речь идет о долгосрочных договорах, позволяющих людям увеличить свои финансовые активы. При этом неважно, роль кого в этом случае выполняет страхователь, инвестор или человек, который хочет повысить свою будущую пенсию за счет накопленных денежных средств.

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Возможности этого приложения достаточно широки. Коротко расскажем об основных разделах.

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  1. Информация о договорах. Здесь есть все сведения о договорах, заключенных вами - номер. название программы, ее условия, срок действия, сумма и график взносов и т.д.). Кнопка “Оплатить”, расположенная в правой части таблицы, позволяет выполнить операции по погашению текущих платежей. 
  2. “Налоговый вычет”. При заключении долгосрочного контракта (пять лет и более). человек получает право на налоговый вычет. Подать документы в ФНС можно при переходе по ссылкам, размещенным в этом разделе в ЛК налогоплательщика.
  3. “Персональные данные”. Здесь можно узнать о VIP-картах, при смене паспорта изменить данные, указанные ранее в системе, и т.д.
  4. “Документы, запрошенные в СК”. Сюда можно добавить сканы документов, запрошенных страховой компанией.
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К сожалению, аккаунт с полным набором функций доступен пользователю только на компьютере. Мобильная его версия данном случае отсутствует. Но есть очень интересное приложение “Телемедицина” с помощью, которого у каждого пользователя этой услуги имеется возможность получить консультацию любым отличным от личной встречи способом, в любой ситуации и в любое время

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Заключение

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Наверняка вы заметили, что ПАО “Группа Ренессанс страхование” оказывает клиентам нк только страховые, но и банковские услуги. Это возможно потому, что участниками группы является множество разных организаций. В том числе:

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Но, в любом случае, “Ренессанс страхование” занимает в этом альянсе главенствующую роль. Поэтому и возможности для страхового агента здесь очень большие. Чем шире перечень услуг, которые вы можете предложить клиенту, тем выше вероятность того, что сделка будет заключена. 

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Но ваш комфорт при этом тоже имеет значение. На мой взгляд гораздо удобнее работать ,если всего один аккаунт позволяет оказать партнеру весь перечень услуг: от оформления дебетовой карты до восстановления КБМ и страхования ОСАГО, КАСКО, ипотеки и многого другого. Именно такие возможности дает агенту личный кабинет на Пампаду. Регистрация занимает несколько минут и, после этого, вы сразу можете приступить к работе. /Архангельская область 62/

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Ингосстрах- одна из старейших страховых компаний в России, работающая на рынке с 1947 года, ведущий страховщик федерального уровня, с максимальным рейтингом репутации, открывает неограниченные возможности онлайн заработка для своих агентов через современный личный кабинет IngoGate.

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Став страховым партнером СПАО “Ингосстрах” для Вас станет доступно страхование юридических и физических лиц. Благодаря разнообразию страховых продуктов и программ, которые предоставляет компания, у Вас будет возможность оформить страховку даже самому щепетильному и требовательному клиенту!

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Ингосстрах предоставляет услуги высокого качества!

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  1. Доступ и регистрация в личном кабинете агента.
  2. Вход в личный кабинет агента.
  3. Виды онлайн страхования в СПАО “Ингосстрах”.
  4. Мобильное приложение IngoMobile
  5. Восстановление пароля.
  6. Контакты СПАО “Ингосстрах”.
  7. Портал обучения и развития.
  8. Правила безопасности и конфиденциальности.
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Доступ и регистрация в личном кабинете агента

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Доступ в кабинет агента Ингосстраха можно получить через заявку на сайте https://www.ingos.ru. Ингосстрах предоставляет возможность сотрудничества, как новичкам в страховом бизнесе, так и опытным агентам, или онлайн партнерами. К последним относятся те, у кого есть свой готовый бизнес связанный с авто, туризмом, недвижимостью. Если Вы хотите попробовать себя в страховании, то компания Ингосстрах дает возможность пройти бесплатное обучение в собственной Школе агентов, а затем пройти стажировку под наставничеством опытных сотрудников компании.

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Для этого Вам потребуется оставить заявку.

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и дождаться звонка сотрудника компании, который проведет с Вами первоначальное собеседование, поймет Ваш уровень подготовки, и пригласит в Школу агентов для дальнейшего обучения. Если не хотите ждать, то оформление полисов от СК Ингосстрах и еще 15-ти компаний, Вам уже доступно по ссылке

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Опытным агентам и онлайн партнерам, в офис приезжать не потребуется, всю необходимую информацию Вы сможете обсудить по телефону, передача документов происходит дистанционно, но оставить заявку на сайте всё равно необходимо.

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Доступ в ЛК агента Вам предоставит куратор в страховой компании, когда Вы поступите на обучение. Также работают и с крупными агентами/брокерами -пароль выдается вашим  куратором в страховой компании, когда Вы заключаете договор с СК.

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Для крупных агентов СПАО “Ингосстрах” предлагает особые условия сотрудничества! Первоначальное обучение проходить не нужно. Хотя, компания всегда готова развивать навыки продаж своих сотрудников, и предлагает повышение квалификации агентов.

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Об этом расскажу позже.

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Регистрация покажется для кого-то непростой, но это сделано для безопасности сохранения персональных данных своих клиентов. Ингосстрах сильно дорожит своей репутацией! И тщательно придерживается внутренней политики конфиденциальности.

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Вход в личный кабинет агента IngoGate

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Получив пароль от куратора, можете заходить в ЛК IngoGate.

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“Имя Пользователя”- это обычно ваша эл.почта.

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\"Ingogate\"
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Ваш вход на сайт нужно будет подтвердить смс-кодом на номер телефона, код необходимо ввести в соответствующее окно.

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Виды онлайн страхования в СПАО “Ингосстрах”

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Официальный кабинет агента IngoGate даст Вам доступ к оформлению многих страховых продуктов и программ! Пример тех, которые есть в Личном кабинете агента Ингосстрах:

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Автострахование: ОСАГО, КАСКО и дополнительные продукты.

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Возможность страхования корпоративных клиентов по всем видам рисков:

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А также:

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Если Вы планируете оформлять только самые востребованные продукты, такие как: ОСАГО, КАСКО, мини КАСКО, Ипотека, то можете переходить по ссылке и за оформленный полис получать КВ до 35%!!

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Работать онлайн в личном кабинете достаточно просто!

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Выбираете нужный продукт для клиента (на примере страхование имущества) - указываете дату, с которой полис будет действовать - нажимаете кнопку “найти”

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\"\"/
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Если Ваш клиент, когда то делал полис в Ингосстрахе, то он есть в базе, и система автоматически выдаст данные по нему. Вам нужно только выбрать нужные и проверить корректность

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В случае, если данных по клиенту нет, просто заполните их вручную.

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Далее, заполняете данные по объекту страхования(квартира). Включаете, по желанию клиента, дополнительные риски

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и переходите на расчет

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Как видите, всё достаточно легко!)) 

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На главной странице в личном кабинете Ингосстрах Вы увидите всю статистику, которая потребуется для анализа вашей работы.

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Здесь есть доступ к информации по объему продаж, а также к полисам, у которых заканчивается срок действия. Сервис понятен и прост.

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За каждый оформленный полис Вы получаете высокое комиссионное вознаграждение. Оплата производится на счет ИП/ООО или на карту физ. лица, в зависимости от того, в каком статусе Вы работаете. 

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Для этого просто сделайте “запрос суммы” на сайте.

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Мобильное приложение IngoMobile

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Скажу пару слов о мобильном приложении Ингосстрах- Ингомобайл. Эта информация больше для новичков в страховании)) Не путайте приложение с личным кабинетом агента! Это приложение для клиента!
Да, его можно использовать для оформления полиса ОСАГО или КАСКО, можно узнать стоимость по некоторым другим видам страхования. Но важное отличие в том, что там Вы не заработаете комиссионное вознаграждение за оформленные полисы!!

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Мобильные приложения созданы для удобства клиентов. Но не для заработка. С их помощью можно записаться к врачу, добавить водителя в действующий полис, или даже заявить страховой случай, но заработать не получиться!

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Для заработка еще Вы можете использовать сервис Пампаду с удобным личным кабинетом, и возможностью моментального вывода заработанного КВ!

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Восстановление пароля

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Если Вы потеряли/забыли пароль, то для восстановления Вам потребуется нажать “Забыл пароль”, указать свой логин, который был при регистрации, обычно это Ваш e-mail.

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На почту Вам придет ссылка на восстановление пароля, по которой нужно перейти и придумать новый пароль.

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Контакты СПАО “Ингосстрах”

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Если у Вас возник вопрос или сложность при оформлении полиса, Вы всегда можете обратиться к вашему куратору или к специалисту на горячей линии. В личном кабинете агента есть возможность общения через чат или звонок. Также есть удобная функция совместного просмотра экрана с сотрудником технической поддержки, чтобы Вас сориентировали по сайту, если что-то непонятно.

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Куратора можно посмотреть тут:

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Страховая компания Ингосстрах всегда готова меняться в лучшую сторону, поэтому проводит опрос агентов по использованию Ингогейта через форму обратной связи на сайте.

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Вы всегда можете воспользоваться ей, чтобы указать недочеты, и предложить свой вариант работы кабинета агента, или наоборот, похвалить))

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Портал обучения агента

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Ингосстрах всегда готов содействовать своим агентам в их работе, увеличении объема личных продаж и повышении квалификации. Подтверждением тому Портал обучения и развития. Здесь Вы можете в любое время взять рекламные материалы и макеты, презентации для отправки клиентам, пройти обучающие курсы по новым страховым продуктам и посмотреть записи вебинаров. Очень важный раздел для агента, в организации своей работы

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Правила безопасности и конфиденциальности

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Компания Ингосстрах при осуществлении своей деятельности уделяет особое внимание к требованиям по защите персональных данных своих сотрудников и клиентов.
Право доступа к персональным данным своих клиентов и их обработку, имеют только работники Ингосстрах в пределах полномочий, установленных их должностными обязанностями. Это объясняет непростую регистрацию в личном кабинете агента, и подтверждение смс-кодом вход в IngoGate.
Все созданные анкеты с данными Ваших клиентов надежно защищены!

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Надеюсь, эта статья поможет Вам сориентироваться в личном кабинете страхового агента! Желаю Вам успешных продаж!

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Е-Гарант (не сегмент) — это система, с помощью которой возможно оформлять электронный полис ОСАГО в дистанционном режиме. Страховые компании в основном использовали этот сервис для убыточных клиентов (водителей с открытыми категориями А, С, D, а также собственников автомобилей старше 10 лет).

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С 20 апреля Российский союз автостраховщиков (РСА) запустил перестраховочный пул, к которому присоединились страховые компании с лицензией на оформление ОСАГО. С этого момента  Е-Гарант, по сути, перестал работать.

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Партнеры и клиенты компании Пампаду могут рассчитать ОСАГО в 17 страховых компаниях, что значительно расширяется шансы одобрения полиса.

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В этой статье поговорим о том, что такое Е-Гарант, а также объясним алгоритм оформления не сегментной заявки.

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Что такое НЕ сегмент ОСАГО

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В отличие от КАСКО, полис ОСАГО является обязательным видом страхования. Эту услугу предоставляют все без исключения компании. Именно этот страховой продукт гарантирует любому водителю компенсацию ущерба при ДТП. 

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Отсутствие страховки этой категории может стать не только причиной дополнительных расходов, но и повлечь за собой административную ответственность. 

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Несмотря на это, большая часть страховщиков отказываются заключать договоры с потенциально убыточными автовладельцами, к перечню которых относятся: 

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В каждой СК действует своя политика, устанавливающая перечень требований к “выгодным” страхователям. Владельцы автомобилей, которые не вписываются в установленные нормы, относятся к несегментной категории. Однако это не значит, что собственники машин, не вписывающиеся в нормы сегмента, не могут купить ОСАГО. Сегодня покупку страхового полиса можно совершить через систему Е-Гарант.

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Как подать заявку в Е-Гарант: актуальные правила и детальная инструкция

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Главное отличие Е-Гарант заключается в невозможности самостоятельно оформить и войти в учетную запись в системе. Регистрация в личном кабинете возможна только через официальный сайт РСА. 

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Пользователи сервиса онлайн-страхования «Пампаду» могут автоматически получить ссылку для входа в личный кабинет Е-Гаранта РСА. Изначально агенту предоставляется доступ к двум бесплатным ссылкам на оформление несегментных заявок. Однако с каждым оформленным полисом количество бесплатных ссылок увеличивается. 

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Ссылка на страницу входа на платформу формируется за нескольких минут. Важно учесть, что она действительна в течение определенного периода времени.  Не затягивайте с оформлением, в противном случае вы потеряете возможность сделать страховку (аннулируется одна бесплатная квота на покупку страховки). 

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Заполнять основные информационные поля для оформления ОСАГО не требуется. Сведения поступают из РСА автоматически. Пользователю остается только изменить определенные данные. Например, при корректировке он сможет исключить водителя из перечня лиц, допускаемых к управлению транспортным средством). Такой способ передачи информации позволяет работать в системе с минимальными временными затратами. 

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В некоторых случаях страховая компания может запросить копии таких документов: 

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Подтвердить согласие на отправку документов можно, нажав на соответствующую кнопку. После того, как представитель выбранной страховой компании проверит данные, указанные в форме оформления полиса, на электронный адрес страхователя придет счет на оплату. Для активации Е-ОСАГО нужно внести денежные средства на счет страховой компании. 

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Оплатили полис, но не можете найти договор на электронной почте? В таком случае рекомендуется перейти в личный кабинет и удостовериться в том, что все система отправила в страховую компанию весь пакет документов. В некоторых случаях сбой в программе может нарушить процесс отправки корреспонденции. 

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Как работать с Е-Гарант

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Работа по оформлению полиса через Е-Гарант осуществляется по четко заданному алгоритму. При этом на выполнение каждого действия отводится  определенный промежуток времени:

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Основная особенность электронных полисов заключается в том, что процесс страхования происходит в режиме 24/7. Это означает, что автовладелец может подать заявку в любое время дня и ночи. 

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Теперь рассмотрим более детально каждый из вышеприведенных этапов. 

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Выбор страховой компании

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При переходе по ссылке на экране монитора пользователя появится база доступных компаний, которые на конкретный момент времени имеют квоту на оформление полиса егарант. Стоимость страховки также будет отображаться в перечне. Расчет стоимости полиса с помощью онлайн калькулятора в данном случае невозможен. Также стоит учесть, что список квот для каждого региона страны может существенно отличаться. 

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Выбирать страховщика можно только один раз за сеанс пользования. Вернуться назад и отменить свой выбор невозможно. 

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Отправка ссылки для оформления полиса

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В качестве ответа на запрос пользователю отправляется пароль и ссылка на вход в систему с официального сайта Российского союза автостраховщиков (ссылка приходит на электронную почту, а пароль на номер телефона, указанный в заявке). Логин формируется автоматически. В качестве имени пользователя на сайте используется номер телефона страхователя.  

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Перед подтверждением введенных данных, рекомендуется тщательно их проверить. Сразу после подтверждения запускается автоматическая проверка информации, на которую отводится максимум 20 минут. 

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После проверки пользователю будет предложено оплатить выбранный полис. Если у страховщика возникнут вопросы, система запросит сканы дополнительных документов. Очень важно, чтобы страхователь не игнорировал это требование. Внимательно изучите комментарии представителя СК и только после этого приступайте к дальнейшей работе. В данном случае страхователю придется загрузить все без исключения документы электронного формата, которые запросил сотрудник страховой компании. 

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Оплата полиса

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Оплата полиса егарант осуществляется исключительно после проверки данных страхователя и предоставленных им документов, а также после вынесения заключения о возможности оформить ОСАГО через Е-Гарант. На перевод денежных средств пользователю отводится 15 минут. Так как в большинстве случаев у пользователей на данном этапе не возникает никаких проблем, этого времени вполне достаточно для выполнения оплаты.  

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Полис ОСАГО приходит заявителю на электронную почту в формате PDF-файла. Он будет отправлен автовладельцу после того, как деньги поступят на счет страховой компании. Проверить действительность страховки можно на официальном сайте РСА. Для этого необходимо ввести его серию и номер в специальные графы. 

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Основные причины отказа в Е-Гарант

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Повлиять на решение страховой компании и на результат рассмотрения заявки невозможно, однако свести к минимуму вероятность отказа в оформлении полиса через Е-Гарант вполне реально.

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Наиболее частыми причинами отказа в Е-Гарант являются: 

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Это неполный перечень причин отказа в оформлении электронных полисов.

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Пользователь сайта должен внимательно относиться к процессу заполнения заявки и к сканированию необходимого пакета документов. Не рекомендуется загружать копии нечитаемых документов. Скриншоты, перевернутые и обрезанные фото также не пройдут проверку. Отправка таких сканов только израсходует бесплатную квоту. 

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Большое количество нюансов также связано с процедурой проверки информации. Повлиять на алгоритм принятия решений невозможно, однако сотрудники компании «Пампаду» могут предупредить партнеров о специфике обслуживания каждой конкретной страховой компании. 

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Страховым брокерам не рекомендуется работать с клиентами, которые не могут по каким-либо причинам предоставить весь пакет документов. В 80% случаев страховая компания запросит скан-копии, непредоставление которых аннулирует квоту. Кроме этого, проверка таких заявок существенно задерживает обработку заявок, к которым прикреплен полный пакет документов.

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Коэффициент бонус-малус (КБМ) – это один из показателей, из которых складывается стоимость ОСАГО. При первичном заключении договора страхования авто по ОСАГО, водителю присваивается 3 класс со значением КМБ 1,17. Безаварийная езда ежегодно понижает данный коэффициент, соответственно, при расчете страховки увеличивается и скидка.

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В системе скидок предусмотрено максимальное понижение коэффициента на 54%, что соответствует классу 13. Водитель получает такую скидку на ОСАГО, если на протяжении 10 лет не был участником дорожно-транспортных происшествий, при которых страховой компании пришлось бы возмещать ущерб пострадавшей стороне. 

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Однако, оформляя в очередной раз полис ОСАГО, страхователь может столкнуться с ситуацией, когда страховщик при расчетах использует неверный коэффициент для водителей. Чтобы такой ситуации не возникло, необходимо проверить показатель КБМ при заключении договора.

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Если неверный расчет скидки все же имел место, можно сделать перерасчет и вернуть излишне уплаченные средства. Для получения возврата средств, направляется письменное обращение в страховую компанию. Если страховщик отказывает в компенсации средств, или компания ушла с рынка страхования, можно восстановить справедливость через обращение в РСА или ЦБ.

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Восстановление КБМ по ОСАГО через РСА

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Если через страховщика вернуть потерянный бонус не получилось (получен отказ или страховщика уже нет на рынке), можно отправить жалобу в РСА и Центробанк. У страхователей примут заявления бесплатно в письменном или электронном виде. К своему обращению необходимо приложить следующий перечень документов:

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Главное — указать страховщика и стоимость договора ОСАГО с примененным КМБ. Также в жалобе должно быть прописано число аварий, совершенных в период страхования. В обязательном порядке к заявлению прикладывается копия обращения в страховую компанию (если речь идет о существующей организации) и копия ответа на это обращение, если есть.

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Восстанавливать КБМ таким путем водитель будет порядка 60 дней. После этого ему будет пересчитана стоимость договора. Автовладелец сможет получить возврат излишне уплаченной суммы, предоставив официально оформленный документ с перерасчетом страховщику, который допустил ошибку.

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Для возврата переплаченных ранее средств нужно будет предоставить в страховую компанию реквизиты банка и номер расчетного счета страхователя. {Ненецкий автономный округ 36}

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Заявление на изменение КБМ в базе РСА

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В заявлении страхователь должен грамотно описать причину обращения в РСА (или ЦБ), а также сформулировать перечень требований к страховщику. Требования должны заключаться я в следующем:

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База КБМ АИС РСА является частью автоматизированной информационной системы «Российский союз автостраховщиков». В ней хранится история страхования по каждому водителю. В данную базу попадают данные об оформлении новых страховых полисов ОСАГО из всех страховых компаний, а также информация о страховых случаях и выплатах, в которых водитель был признан виновником. Расчет КБМ производится с учетом этих данных.

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Если КБМ был искажен достаточно длительный срок, и за этот период водитель приобрел страховку ОСАГО несколько раз в разных компаниях, то обращение должно быть отправлено в каждую из них в последовательном порядке.

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Причины ситуаций с завышением показателя?

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КБМ является своеобразным стимулом для водителя, потому как стоимость страховки, которую он будет оплачивать, напрямую связана с качеством его вождения. Отсутствие ДТП в истории его многолетнего вождения может в значительной степени сократить итоговую цену страховки. В противном случае, когда страховой компании приходится неоднократно возмещать ущерб пострадавшей стороне, тариф  наоборот может быть значительно увеличен.

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Факторы, которые могут стать основанием для потери скидки:

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Способы возврата КБМ

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Восстанавливать КБМ по ОСАГО можно несколькими путями. На сегодняшний день существует 3 способа:

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1. Первый способ восстановления КБМ при замене прав — своевременное уведомление страховой компании (в которой оформлена страховка) о факте замены гражданского паспорта или водительского удостоверения.

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2. Если аннулирование скидки произошло по вине страховщика (и он ее не признает) или водитель только через длительный срок заметил, что расчет ОСАГО был произведен с неправильным коэффициентом, то исправить ошибку и вернуть средства поможет официальное обращение в РСА или Центробанк. Сроки восстановления КБМ таким способом может затянуться на месяцы. 

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3. Оперативно скорректировать КБМ помогут специализированные интернет-сервисы. Ссылки на такие ресурсы есть на сайтах страховых компаний. Также их можно найти через интернет-поисковики. Услуги этих сервисов платные. Запрос в такой сервис будет обработан в течение всего нескольких дней, после чего водитель получит извещение о восстановлении исходного КМБ на свой электронный адрес.

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Как вернуть переплату по КБМ

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После пересмотра вашего рейтинга безаварийности и его внесения в базу АИС РСА вам потребуется посетить страховую компанию. Агент произведет перерасчет и вернет деньги на банковский счет, указанный в заявлении. Вы же получите новый чек на оплату страховой премии.

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Какой онлайн-сервис по возврату коэффициента выбрать

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Обращение в специализированный интернет-сервис значительно упростит процедуру восстановления КБМ и возврата переплаченной ранее суммы страховки, сэкономит время и нервы водителя. Такие сервисы легко можно найти в интернете, но их услуги платные. И все же порой лучше оперативно получить эффективный результат, чем сэкономить.

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Упростить процесс восстановления КБМ поможет электронная платформа Пампаду. Отправленный запрос (с прикрепленными копиями документов) будет обработан в течение 1-7 дней, стоимость его 25 рублей. При этом оплата будет списана только при успешном восстановлении. Функционал платформы также имеет такие инструменты, как бесплатная проверка истории КБМ водителей.

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Перечень необходимых документов

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Для рассмотрения заявления необходимо, чтобы заявка водителя содержала следующие сведения:

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Через обратную связь профессиональными консультантами сервиса водителю будет выдана инструкция по процессу оформления заявки через платформу, даны ответы на все интересующие вопросы. 

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ПАО “СК “Росгосстрах” уже более ста лет работает на страховом рынке России. Ее история началась еще в 1921 году, Он обладает самой большой филиальной сетью  и является самой крупной по присутствию в регионах и собранной страховой премии, оказывает различные услуги как для частных клиентов, так и для бизнеса. Рейтинговое агентство “Эксперт РА” подтвердило рейтинг финансовой надежности страховщика на уровне ruAA. Кроме штатных сотрудников в ней работает более 60 000 страховых агентов. Если вы решили стать одним из них — это статья для вас.

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Содержание статьи

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  1. Росгосстрах: вход в личный кабинет
  2. Регистрация в личном кабинете
  3. Мобильное приложение
  4. Как рассчитать стоимость страховки и застраховаться через личный кабинет?
  5. Как отключить личный кабинет?
  6. Горячая линия
  7. Защита от мошенничества
  8. Клиентская поддержка через личный кабинет Росгосстраха
  9. Заключение
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«Росгосстрах» - вход в личный кабинет

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Процедура согласования пройдена и вы полноправный партнер ПАО РГС. Для того, чтобы начать работать, вводите логин и пароль (их сообщит ваш куратор) и войти в свою учетную запись.   

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Теперь вам доступно страхование автомобилей, ипотеки, жизни, здоровья и т.д. Стоит отметить, что застраховать жизнь здесь можно в самых простых рисковых вариантах, например для заемщика ипотеки или от НС. Для продаж накопительных страховок он не предназначен. 

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Оформление договора начинается с того, что вы вводите в открывшиеся поля  ФИО страхователя и дату его рождения. Если данный человек уже был клиентом компании, система найдет его в своей базе. Если нет - нужно будет внести по нему все данные самостоятельно. Впрочем, если до этого карточку страхователя создавал кто-то другой, то хоть вы ее и увидите, но пользы от этого не будет никакой. Войти в нее не получится  Поэтому придется пройти процесс создания его учетную записи заново. 

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Размер комиссионного вознаграждения указывается в агентском договоре, при работе в ЛК вы его не видите. В отличие от личного кабинета на Пампаду. Здесь сразу видно и стоимость полиса, и размер вашего потенциального дохода.

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Регистрация в личном кабинете

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На официальном сайте компании кнопка входа расположена в правом верхнем углу. При нажатии на нее вы попадете на вкладку, с которой можете либо войти в ЛК, либо перейти на страницу регистрации. Причем зарегистрироваться могут не только те, кто уже пользуется услугами РГС, но и те, кто только собирается это сделать. 

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Процедура несложная. Нажимаете на кнопку “Регистрация” и переходите на следующую вкладку. Здесь выбираете в качестве физического или юридического лица будете авторизовываться в системе.

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Мы говорим о первом варианте. После того, как вы нажали “Физическое лицо”, открывается форма:

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Выбираете один из страховых продуктов из списка и последовательно заполняете все поля открывшейся формы. Обязательно ставите галочку, подтверждая согласие на передачу персональных данных. Затем на e-mail, указанный вами, придет временный пароль. Вводите его в соответствующую строку и входите в систему. После этого программа предложит установить постоянный, придуманный вами самостоятельно. 

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Для пользователей портала Госуслуг доступен второй, более простой, способ. Нажмите кнопку “Войти через Госуслуги”. Переходите на сайт Госуслуг, даете согласие на доступ к вашим данным и подтверждаете адрес электронной почты. На нее придет одноразовый код, который вводите в соответствующее поле. Регистрация пройдена. При этом также создаете свой пароль, который в будущем будете использовать для входа.

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Авторизованные пользователи не выходя из дома могут оформить вновь или продлить полисы страхования автомобиля, здоровья или имущества, заявить об убытке без визита в офис, записаться на осмотр,  онлайн посмотреть и проверить статус выплатного дела и т.д., Кроме этого, тут же указан телефон горячей линии по которому нужно звонить, если что-то произошло или есть вопрос, касающийся оформления нового или изменений по действующему договору.

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Мобильное приложение

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Персональный онлайн-офис РГС доступен страхователям как с помощью компьютера, так и с телефона. Их функционал абсолютно идентичен и так же позволяет оформить договор страхования, получить поддержку при страховом случае, заявить о нем и т.д.  Кроме этого страховая компания делает все для обеспечения клиентам максимально комфортных условий и использует для этого все средства. В первую очередь, наиболее популярные из них. Для этого создано несколько специализированных онлайн-приложений. Установка и использование их абсолютно бесплатны, при этом каждое является прекрасным средством решать множество вопросов онлайн. Теперь, немного расскажем о том, что они из себя представляют.

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  1. РГС ДМС. Предназначено оно для тех, кто пользуется или планирует воспользоваться услугами добровольного медицинского страхования. Скачать его можно только с сайта страховщика, в App Store и Google Play оно недоступно. После авторизации в ЛК (для этого достаточно ввести ФИО и дату рождения) к вашим услугам все его возможности:
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Все это очень удобно для пользователя, так как позволяет экономить время на звонках и визитах в офис страховщика.

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2. РГС Банк. Несложно догадаться, что это приложение для клиентов банка и рассчитано на тех, кто хочет управлять счетами и картами через интернет. Для регистрации необходимо указывать номер карты и паспортные данные, авторизованным пользователям достаточно ввести пароль и логин от мобильного банка. С его помощью Банк Росгосстрах предлагает им в режиме онлайн осуществлять различные финансовые услуги: переводы клиентам этого и других банков, в том числе по номеру телефона через СБП, продавать и покупать иностранную валюту и т.д.

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3. Росгосстрах Жизнь. В отличие от предыдущих оно существует в двух модификациях:

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ВАЖНО: в настоящее время РГС жизнь продолжает работать под новым названием “Капитал Лайф”. Произошло это в 2018 году. Но, несмотря на это, она несет все обязательства по ранее заключенным договорам. 

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Как рассчитать стоимость страховки и застраховаться через личный кабинет?

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Как я уже говорила ранее, в нем пользователям доступны разные страховые услуги. Остановимся подробнее на том, что наиболее актуально для большинства водителей. Расскажем, как купить с его помощью автогражданку.

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Заходим на вкладку “Оформить полис” и выбираем “Осаго”, оформить онлайн.

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Открывается форма для заполнения данных по автомобилю. Обратите внимание, она предназначена для физических лиц, если речь идет о юридическом лице - переходим по ссылке, расположенной в верхней части страницы.

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После заполнения всех полей, нажимаем кнопку “Продолжить” и заполняем сведения о водителях, допущенных к управлению нашим авто. Все стандартно: ФИО, серия и номер водительского удостоверения, дата рождения и т.д. Если за предыдущий период кто-то из водителей поменял права, ставим галочку “Данные водителя изменились с прошлой покупки ОСАГО” и вносим серию и номер ранее выданных прав. Таким образом мы подтянем историю КБМ страхователя к новому в/у. 

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Затем идем дальше. На следующей вкладке нужно внести адрес прописки собственника, серию и номер его паспорта, дату выдачи и т.д. Если вы входили через портал Госуслуг - серия и номер паспорта подтянутся автоматически.

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Все поля заполнены. Подтверждаем, что вся информация достоверна и делаем расчет стоимости автогражданки.

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Кстати, если окажется, что сведения, внесенные вами, не соответствует тем, которые содержатся в РСА, она потребует прикрепления сканов ваших документов. Это не всегда возможно сделать быстро. Гораздо проще все делать через личный кабинет на Пампаду. В нем, кстати, и информация об автомобиле подтягивается автоматически, что позволяет избежать потенциальных ошибок в VIN и т.д.

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После того, как все требования будут выполнены, мы расчет стоимости договора и, если нас все устроит, сможем оплатить и оформить ОСАГО. Оплата также производится онлайн. Оформленный полис придет на вашу электронную почту.

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Как отключить личный кабинет

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Удалить учетную запись самостоятельно не получиться. Такая функция в нем отсутствует. Если же вы все-таки решили прекратить сотрудничество с ПАО “Росгосстрах”, вам потребуется посетить один из его офисов и написать соответствующее заявление. После его обработки ваша учетная запись прекратит функционировать.

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Горячая линия

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Очень важный момент для всех, как для всех. Согласитесь, иногда главное - быстро найти ответ на вопрос. В РГС такая возможность реализована несколькими способами. Вы можете написать в компанию, позвонить по любому из указанных в соответствующем разделе ЛК телефонов или оставить обращение в службу поддержки. Причем можно не только уточнить интересующую вас информацию, но и вызвать агента.

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Кроме того, для тех, у кого что-то произошло с застрахованным имуществом, автомобилем и т.д., предусмотрена отдельная вкладка. Переход на нее осуществляется по красной кнопке “Произошел страховой случай”, расположенной в правом верхнем углу. На ней находятся подробные инструкции о том, как действовать в той или иной ситуации. Здесь же перечислены телефоны для связи со страховщиком.

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Любая версия ЛК позволяет онлайн уведомить компанию о том, что с вашим авто что-то произошло. Как по ОСАГО, так и по КАСКО. Для этого достаточно зайти на вкладку “Заявить о страховом случае” и следовать инструкции, последовательно заполняя все поля.

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Защита от мошенничества

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К решению этого вопроса страховщик подходит очень серьезно. Пользователи системы могут проверить статус бланка своего страхового полиса и ознакомиться с реестром агентов и брокеров страховщика. Здесь же находится перечень телефонных номеров, с которых осуществляются звонки его сотрудниками. Кроме того, есть очень полезная информация о том, например, как избежать мошенничества при покупке ОСАГО на бумажном носителе, отличить настоящий сайт страховщика от поддельного и т.д.  

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Клиентская поддержка через личный кабинет Росгосстраха

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/Кемеровская область 58/ Об этом мы говорили и ранее. Специалисты горячей линии готовы помочь вам в решении любого вопроса. От оформления страховки до подачи документов по убытку. Через интернет можно оформить полис, уточнить перечень клиник, в которые вы можете обратиться по ДМС, осуществить денежный перевод и т.д. И всегда рядом с вами “группа поддержки” из специалистов горячей линии, которые всегда ответят на любой вопрос и помогут решить любую проблему.

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Заключение

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Сегодня мы познакомились с различными версиями приложений  ПАО “Росгосстрах”, рассказали о их мобильных разновидностях, которые доступны как его клиентам, так и тем, кто только собирается ими стать. Самому оформлять страховку или доверить этот процесс специалисту, каждый человек решает сам. На мой взгляд, второй вариант гораздо предпочтительнее. А вы, в свою очередь, сами выбираете, каким образом работать с РГС: стать его партнером (а это довольно долгий процесс, который может занять несколько дней, как мы говорили ранее), или зайти в личный кабинет на Пампаду, заполнить нужную форму и в тот же день предложить клиенту либо полис этой компании, если он на этом настаивает, либо какой-то другой, если найдется более интересное ценовое предложение.

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Лидер страхового рынка России - Страховая группа “СОГАЗ. Она была основана в 1993 году. Сейчас это более 100 видов страхования для частных лиц и корпоративных клиентов, больше 1000 офисов продаж на территории страны. При этом многие вопросы решаются через учетную запись пользователя.

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Содержание статьи

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  1.  Регистрация в кабинете
  2.  Вход в личный кабинет ОСАГО
  3.  Функционал личного кабинета СОГАЗ
  4.  Восстановление доступа в персональный профиль
  5.  Клиентская поддержка через кабинет
  6.  Как отключить личный кабинет СОГАЗ?
  7.  Мобильное приложение
  8.  Контактная информация
  9.  Правила безопасности и конфиденциальности
  10.  Вывод
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Регистрация в кабинете

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В зависимости от того, в каком качестве вы планируете сотрудничать с компанией, происходит регистрация учетной записи.

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Вход в личный кабинет агента производится путем ввода логина и пароля, получить которые вы можете только после прохождения согласования и заключения агентского договора. Самостоятельно зарегистрироваться в системе в этом случае вы не сможете. 

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Стоит отметить, что получить возможность оформлять полисы по данной компании можно гораздо проще. Для этого вы регистрируетесь в личном кабинете на Пампаду и сразу приступаете к работе. 

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Другое дело, если вы планируете воспользоваться услугами страховщика сами, минуя агентов. Как и у большинства страховых компаний предусмотрено несколько вариантов создания личного кабинета пользователя.

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  1. Вы можете авторизоваться через портал Госуслуг. В этом случае нужно перейти по ссылке “Войти через ЕСИА” и подтвердить согласие на передачу ваших данных для создания ЛК в “СОГАЗ”. 
  2. Более распространенный способ - вы сами вводите в систему информацию о себе: ФИО, e-mail, телефон и т.д.
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В том и в другом случае потребуется подтвердить адрес электронной почты. На указанный вами почтовый ящик придет ссылка. При переходе по ней происходит активация вашей личной учетной записи. Если вы являетесь представителем юридического лица - поставьте галочку в соответствующей графе.

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В дальнейшем для авторизации вы также можете использовать любой из этих вариантов: либо вводить логин и пароль, либо входить через портал Госуслуг.

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Вход в личный кабинет ОСАГО

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Интерфейс главной страницы личного кабинета клиента выглядит следующим образом:

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Как вы видите здесь доступно оформление полисов страхования автомобилей, имущества, жизни, здоровья и т.д. Для того, чтобы оформить в СОГАЗ ОСАГО онлайн, выбираем вкладку “Автострахование” - “ОСАГО”. Дальше все стандартно: вводим в соответствующие поля данные по автомобилю, фамилию, имя, отчество, дату рождения и адрес собственника, сведения о водителях. Не забудьте тщательно все проверить, до того, как оплатите полис. Как только он пройдет проверку в РСА, отменить его регистрацию уже не получится. И, если вы, например, вспомните, что забыли вписать еще одного водителя, то для того, чтобы его добавить понадобится либо входить в личный кабинет, либо ехать в офис страховой компании.

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Если нужна информация по уже заключенным договорам, перейдите на вкладку “Мои полисы”, ссылка на которую расположена слева:

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Прежде чем СОГАЗ предоставит вам интересующие вас сведения, необходимо пройти процедуру подтверждения номера телефона - ввести СМС-код в соответствующее поле открывшейся страницы. После этого доступ к вашим полисам будет открыт.

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Функционал личного кабинета СОГАЗ

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Остановимся поподробнее на том, какие возможность предоставляет зарегистрированным пользователям персональная учетная запись.

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  1. “Оформление страховых полисов”. Можно оформить новый или пролонгировать тот, срок действия которого уже заканчивается. Ассортимент здесь достаточно широк: ОСАГО и КАСКО, программа страхования жилья, жизни и здоровья, полисы для любителей путешествий, накопительные варианты и т.д. Стоимость страховки вы можете определять сами, так как она зависит от того, какие риски вы включите в договор. 
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Ипотечное страхование. Полис этой СК примет, наверное, любой банк, поэтому имеет смысл обратиться и за этой услугой. При этом заемщиков ипотеки страхуют путем подачи заявки, в которой нужно будет не только заполнить всю необходимую информацию, но и прикрепить сканы документов. Только после этого запрос уйдет на рассмотрение. 

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Если вы захотите застраховать жизнь или вас заинтересует медицинское страхование, то при нажатии на соответствующую кнопку программа перенаправит вас на официальный сайт SOGAZ LIFE. Это один из участников страховой группы СОГАЗ, который специализируется на оказании услуг по накопительному, пенсионному и инвестиционному страхованию. При переходе на ее сайт можно сделать предварительный расчет стоимости страховки, но регистрация личного кабинета доступна только клиентам.

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  1. “Мои страховые случаи”. Позволяет подать заявление на выплату и посмотреть историю убытков по вашим договорам. Здесь же находятся инструкции, в которых подробно расписано, как вести себя в том или ином случае. в зависимости от того, по какому договору произошло ЧП.
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  1. “Обращение в компанию” дает возможность обратиться в СОГАЗ практически по любому вопросу от внесения изменений в договор до урегулирования убытков и досудебной претензии.
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  1. “Активация полиса”. Стандартная для многих страховщиков функция. Выбираете интересующий вас продукт, вводите номер и серию полиса и активируете его. Обратите внимание на то, что иногда даже оплаченный договор не вступает в силу сразу и если что-то произойдет, то может получиться так, что он будет абсолютно бесполезен. До того, как наступил страховой случай, активация полиса должна быть выполнена.
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  1. “ОГОНЬ” - подписка на скидки. Изюминка этого сервиса. С условиями этого предложения стоит ознакомиться поподробнее. Клиентам предлагается подписаться на программу скидок у партнеров страховщика. Сервис платный, но при относительно небольших ежемесячных платежах подписчики получают возможность экономить до 20% затрат не только на страховках, но и, например, на покупках в “Ситилинк”, доставке еды, оплате анализов и т.д.
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Восстановление доступа в персональный профиль

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Если у вас не можете войти в свой аккаунт через Госуслуги, а пароль от него вы забыли, не паникуйте. Восстановить его очень просто. Нажмите “Забыли пароль” на странице авторизации и перейдите в раздел “Сброс пароля”. 

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Здесь вводите свой e-mail, затем жмете на кнопку “Сбросить”. После этого на вашу электронную почту придет контрольная строка для смены пароля.

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Клиентская поддержка через кабинет

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Ранее я уже немного говорила об этом, теперь немного подробнее. Обратиться в СОГАЗ можно позвонив по телефону горячей линии 8 800 333 0 888, указанному в верхней части страницы. Второй вариант - отправить обращение онлайн через форму обратной связи. В этом случае ответ придет вам на электронную почту.

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Как вы видите, диапазон вопросов, которые можно решить таким образом, весьма широк. Можно обратиться в техподдержку, если возникли проблемы с работой в личном кабинете СК, можно заявить о том, что произошел страховой случай и узнать статус выплатного дела, оставить комментарий или отзыв о работе компании, задать вопросы по внесению изменений в договор или его расторжению.

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Те, кто пользуется услугами ДМС, так же могут решить целый ряд проблем: заказать гарантийное письмо, получить программу и список ЛПУ, записаться на прием к врачу, задать интересующие их вопросы. Кроме того, для них реализована возможность заказать обратный звонок, а при необходимости доступен сервис по связи с врачом-куратором. с которым вы можете проконсультироваться и поделиться своими проблемами.. 

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Как отключить личный кабинет СОГАЗ?

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Отключить ЛК самостоятельно не получится. данная функция в настоящее время не предусмотрена. Поэтому придется посетить офис компании и написать заявление с просьбой аннулировать вашу учетную запись. Либо соответствующее письмо можно отправить по электронной почте или Почтой России на адрес страховщика. после этого личный кабинет будет закрыт.

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Мобильное приложение

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Для удобства пользователей, у которых компьютер не всегда под рукой, разработано мобильное приложение “СОГАЗ - личный кабинет”. Его функциональные возможности полностью идентичны основной версии и так же позволяют оформлять полисы, консультироваться по различным вопросам, просматривать перечень клиник и т.д.

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Скачать его можно прямо на сайте СОГАЗ с помощью куар-кода. Кроме этого, владельцы устройств компании Apple могут сделать это с AppStore, а пользователи смартфонов на базе Android - с Google Play.

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После его установки весь функционал личного кабинета  SOGAZ всегда будет у вас под рукой.

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Контактные данные

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Возможность быстро получить обратную связь от страховщика иногда бывает очень важно. В данном приложении этому посвящена специальная вкладка, на которой указано много полезной информации. В первую очередь здесь есть единый номер для связи с представителем компании. После того, как вы выберете в выпадающем списке город своего проживания, список контактов будет расширен. 

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  1. Адреса и графики работа офисов компании в вашем городе. Причем для удобства пользователя их расположение наглядно представлено на карте.
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  1. Дополнительный телефон для обращений по ДМС
  2. Адрес электронной почты ближайшего к вам филиала страховщика
  3. Адрес электронной почты для обращений для заемщиков ипотеки
  4. График приема заявлений на расторжение договоров страхования и адрес, по которому их можно отправить Почтой России
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Кроме этого, для получения ответа на интересующий вас вопрос, можно воспользоваться формой обратной связи, о которой мы подробно говорили раньше.

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Правила конфиденциальности и безопасности

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Страховая компания СОГАЗ в полном соответствие с требованиями законодательства заботится о сохранности персональных данных своих клиентов. С политикой в отношении их обработки и защиты можно ознакомиться прямо на ее официальном сайте. При этом клиентам так же рекомендуется выполнять ряд требований:

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Вывод

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Личный кабинет СОГАЗ позволяет в режиме онлайн пользоваться услугами компании практически в полном объеме. Для этого достаточно пройти несложную процедуру его регистрации с компьютера или ноутбука, либо установить мобильную версию на свой телефон. Такой формат работы со страховщиком позволяет повысить качество сервиса и сэкономить ваше время, так как его не придется тратить на посещение офиса компании, ожидание в очередях и т.д. Использование мобильной версии вообще крайне удобно, так как после авторизации в системе офис СОГАЗ всегда будет у вас под рукой.

\n', 'СОГАЗ: Личный кабинет агента', 'Личный кабинет страхового агента СОГАЗ. Регистрация, вход, основные функции и возможности ЛК. Преимущества работы через кабинет сервиса Пампаду.\n', 'publish', 'open', 'open', '', 'sogaz-lichnyj-kabinet-agenta', '', '', '2022-08-15 09:56:10', '2022-08-15 09:56:10', '', 0, 'https://pampadu.ru/blog/?p=1641', 0, 'post', '', 0), (1642, 13, '2022-08-15 09:55:17', '2022-08-15 09:55:17', '', 'Согаз: личный кабинет агента', '', 'inherit', 'open', 'closed', '', '1030h502-sogaz', '', '', '2022-08-15 09:55:17', '2022-08-15 09:55:17', '', 1641, 'http://pamtest.ru/wp-content/uploads/2022/08/1030h502-sogaz.png', 0, 'attachment', 'image/png', 0), (1656, 12, '2022-08-24 14:10:44', '2022-08-24 14:10:44', '\n

? Привет, у нас отличная новость. Мы добавили в ОСАГО еще одну страховую — Спасские ворота. За первые 2 часа компания выпустила 17 полисов!

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Уверены, что выход на платформу нового страховщика облегчит работу большинству агентов. Ведь открыто 52 региона с достаточно высоким размером КВ:
— 22-24% по Москве, Московской области, Санкт-Петербургу и Ленинградской области,
— 11-12% по остальным регионам.

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Условия страхования

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— Допустимые даты начала действия полиса — от +4 до +60 дней
— Период страхования — 1 год
— Страхователь и собственник — одно лицо

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Сегментация

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✅ Легковые ТС кат. B с личной целью использования
✅ Отечественные авто возрастом до 10 лет, иномарки — до 15
✅ Водители от 25 до 72 лет и стажем более 5 лет
✅ КБМ 1 и ниже

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❌ Грузовые фургоны, грузопассажирские ТС, а также ТС марок ГАЗ и УАЗ
❌ Мощность ТС менее 100 л.с.
❌ Кузов и шасси
❌ Мультидрайв
❌ Иностранное ВУ

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Справка о компании

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Компания на рынке автострахования с 1999 года, является членом Всероссийского союза страховщиков, РСА, Национального союза ответственности страховщиков и Национальной страховой Гильдии. Имеет стабильный прогноз финансовой устойчивости, присвоенный рейтинговым агентством «Эксперт РА»
Заявления о страховом случае в компанию можно подать через форму на сайте страховщика, по горячей линии 8 (800) 555-62-26 или письмом на почту info@spasskievorota.com. Урегулированием убытков занимаются офисы в Москве, Санкт-Петербурге и Нижнем Новгороде, в остальных городах посредством филиальной сети партнера АльфаСтрахования.

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Желаем удачи и успешных продаж!

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Оформляйте полисы от СК «Спасские ворота» через Пампаду прямо сейчас

\n', 'Встречайте новую СК на платформе — Спасские ворота', 'Расширяем возможности платформы для страховых агентов. Добавили в ОСАГО еще одну страховую — Спасские ворота.', 'publish', 'open', 'open', '', 'vstrechajte-novuyu-sk-na-platforme-spasskie-vorota', '', '', '2022-08-24 14:10:44', '2022-08-24 14:10:44', '', 0, 'https://pampadu.ru/blog/?p=1656', 0, 'post', '', 0), (1657, 13, '2022-08-24 14:09:47', '2022-08-24 14:09:47', '', 'Спасские ворота на Пампаду', '', 'inherit', 'open', 'closed', '', '1030h502-6', '', '', '2022-08-24 14:09:47', '2022-08-24 14:09:47', '', 1656, 'http://pamtest.ru/wp-content/uploads/2022/08/1030h502.jpg', 0, 'attachment', 'image/jpeg', 0), (1660, 12, '2022-08-24 14:19:14', '2022-08-24 14:19:14', '\n

Пробуйте делать расчеты на Пампаду, даже если недавно вы получали отказ от всех СК. Рассказываем как и что именно доработали.

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? Первое, о чем хотелось бы сообщить: мы запустили продажи ОСАГО от новой СК «Спасские ворота»! У компании амбициозные планы на онлайн-рынок, поэтому выплачивает высокую комиссию в 52 регионах. Читайте подробнее об этом

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А теперь по порядку, что мы доработали в интеграции ранее добавленных страховых:

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✅ Ускорили проверку расчета перед скорингом. Сохранение и переход на 2-й этап теперь не будет длиться дольше 1 минуты.

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✅ Уменьшили количество отказов во время получения ссылки на оплату, благодаря повторным запросам и параллельным интеграциям.

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✅ Исправили проблему с перетиранием ЭПТС при переходе с 1-го на 2-й шаг.

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✅ Скорректировали логику получения ссылки на оплату АльфаСтрахования.

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✅ Стабилизировали проверку и подтягивание данных по предыдущему полису. Все указанные вами номера мы обязательно проверяем по базе РСА. При обнаружении ошибок или отсутствии информации, корректируем сведения в расчете. И так как процент проходимости по пролонгации и зеленому коридору в разы выше, чем у нового полиса, то в целом проходимость ОСАГО заметно возросла.

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✅ Скорректировали передачу прошлых водительских удостоверений в СК Ренессанс и Зетту. Процент одобрений для водителей, сменивших права, ощутимо подрос.

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✅ Нашли и исправили ошибки в интеграциях с СК Согласие и Тинькофф. А именно:
— доработали проверку и корректировку даты начала действия полиса в расчетах, отправляемых в Тинькофф;
— устранили неполадки в загрузке договоров в РСА по Согласию.

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✅ Подтянули утерянные номера у большинства прошлогодних полисов. Теперь не придется скачивать и открывать печатную форму, чтобы найти и добавить в текущий расчет номер предыдущего полиса. Просто жмите «пролонгировать» на прошлогоднем расчете, в новый автоматически подтянется его серия и номер.

\n\n\n\n

? С учетом последних доработок шанс успешного одобрения значительно возрос.

\n', 'Повысили проходимость по ОСАГО!', 'Пробуйте делать расчеты на Пампаду, даже если недавно вы получали отказ от всех СК. Рассказываем как и что именно доработали.', 'publish', 'open', 'open', '', 'povysili-prohodimost-po-osago', '', '', '2022-08-24 14:19:14', '2022-08-24 14:19:14', '', 0, 'https://pampadu.ru/blog/?p=1660', 0, 'post', '', 2), (1661, 13, '2022-08-24 14:18:23', '2022-08-24 14:18:23', '', 'Улучшили проходимость на Пампаду', '', 'inherit', 'open', 'closed', '', '1030h502-7', '', '', '2022-08-24 14:18:23', '2022-08-24 14:18:23', '', 1660, 'http://pamtest.ru/wp-content/uploads/2022/08/1030h502-1.jpg', 0, 'attachment', 'image/jpeg', 0), (1665, 1, '2022-08-24 14:26:54', '2022-08-24 14:26:54', '\n

Закрытый клуб предназначен для агентов с 10+ продажами на нашей платформе. Мы создаем не просто чат с десятками тысяч новых сообщений ежедневно, которые никто не будет читать, а среду, в которой профессия страхового агента будет становится легче, интереснее и прибыльней!

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Что будет в клубе?

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Наш телеграм канал и сообщество агентов, пожалуй самое большое в России, однако мы не будем в ущерб качеству «нагонять» участников. Лучше небольшое, но качественное и уютное сообщество.

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⚠️ Условия участия:

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Чтобы попасть в закрытый клуб заполните форму заявки по этой ссылке или ниже ?? https://forms.gle/gcfQ23bMEvJ8uHHN6

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После того как вы оставили заявку, мы проверим соблюдение условий и пришлём вам индивидуальную ссылку для входа в течение нескольких дней.

\n\n\n\n

Давайте вместе строить тёплое сообщество страховых агентов!

\n', 'Объявляем набор в закрытый клуб страховых агентов Пампаду! ?', 'Стань участником закрытого клуба Пампаду, заполни форму, проверь условия и в течение нескольких дней наши менеджеры с тобой свяжутся.', 'publish', 'open', 'open', '', 'obyavlyaem-nabor-v-zakrytyj-klub-strahovyh-agentov-pampadu', '', '', '2022-08-24 14:26:54', '2022-08-24 14:26:54', '', 0, 'https://pampadu.ru/blog/?p=1665', 0, 'post', '', 2), (1666, 13, '2022-08-24 14:25:27', '2022-08-24 14:25:27', '', 'Закрытый клуб Пампаду для агентов', '', 'inherit', 'open', 'closed', '', '1030h502-8', '', '', '2022-08-24 14:25:27', '2022-08-24 14:25:27', '', 1665, 'http://pamtest.ru/wp-content/uploads/2022/08/1030h502-2.jpg', 0, 'attachment', 'image/jpeg', 0), (1680, 15, '2022-08-26 11:53:56', '2022-08-26 11:53:56', '\n

Работать в сфере страхования может далеко не каждая компания – получить такую возможность могут предприниматели, соответствующие требованиям законодательства: иначе говоря, прошедшие процедуру лицензирования страховой деятельности. О том, как получить лицензию страхового брокера, какие документы для этого потребуются, и что делать, если в предоставлении лицензии отказали, расскажем в статье. 

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Как для новичков в профессии, только получивших лицензию, так и для опытных специалистов, платформа Пампаду предлагает широкие возможности и технологичные инструменты для заработка на страховых продуктах. Регистрируйтесь в личном кабинете, получите доступ к 17 страховым компаниям на ваш выбор,  быстро и удобно оформляйте полисы ОСАГО, КАСКО, Ипотеки, Мини-КАСКО, получая одно из самых высоких комиссионных вознаграждений на рынке.

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Страховой брокер: кто это, и чем он занимается

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Страховой брокер – это индивидуальный предприниматель или юридическое лицо, которое вправе оказывать посредническую деятельность в сфере страхования. 

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Брокер не принимает ни одну из сторон договора страхования – он не является ни страховщиком, ни страхователем. Основная (но не единственная) функция брокера – посредническая: он помогает страхователям найти страховщиков, предлагающих подходящие условия программы страхования (и наоборот), а также заключить (изменить или расторгнуть) договор страхования по поручению одной из его сторон от своего имени, но за ее счет (п. 6 ст. 8 Закона РФ «Об организации страхового дела в Российской Федерации» от 27.11.1992 № 4015-1 (далее – Закон № 4015-1)). Кроме того, брокер может:

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Работа страхового брокера оплачивается в соответствии с положениями договора, заключаемого им с заказчиком. Чаще всего заказчиком является страхователь – физическое лицо, которому нужен полис. Реже к услугам брокера прибегают страховщики – обычно у них есть свой штат страховых агентов, которые занимаются поиском клиентов и дальнейшей работой с ними.  

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Именно поэтому важно не путать брокера со страховым агентом – последний лишь представляет страховую компанию, заключая от ее имени договоры страхования с клиентами. 

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Для чего страховому брокеру нужна лицензия

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Чтобы получить статус страхового брокера, нужно не только официально зарегистрировать свой бизнес, но и получить соответствующую лицензию (п. 2 ст. 4.1 Закона № 4015-1). Сведения о действующих лицензиях можно найти в Едином реестре – его ведет Центробанк. Без лицензии оказывать посреднические услуги в отношениях между страховщиком и страхователем нельзя – это нарушает закон. За подобную деятельность, которую предприниматель ведет без разрешения, его могут привлечь к административной ответственности и оштрафовать. 

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Кто может стать страховым брокером: требования законодательства

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Стать страховым брокером может лицо, получившее соответствующую лицензию. 

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Лицензия страхового брокера – это разрешение, выданное предпринимателю органом страхового надзора, и предоставляющее ему право на осуществление страховой деятельности (п. 1 ст. 32 Закона № 4015-1).  

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Получить лицензию может соискатель, соответствующий определенным, установленным законом требованиям – при этом он может иметь статус как юридического лица, так и физического.

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Юридические или физические категории лиц

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Юридическое лицо (ООО или АО) может получить право на осуществление страховой брокерской деятельности, если:

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Физическое лицо может стать страховым брокером при одновременном соблюдении следующих условий:

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Чаще всего в качестве организационно-правовой формы деятельности компании выбирают ООО – в этом случае учет и документооборот проще, чем у АО; при этом возможностей больше, чем у ИП. 

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Перед подачей документов стоит удостовериться в том, что характеристики компании соответствуют перечисленным требованиям – это позволит соискателю минимизировать вероятность отказа в выдаче лицензии, а, значит, сэкономить и время, и деньги.

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Важный момент. Наименование компании должно содержать указание на вид ее деятельности в качестве страхового брокера – для этого в него нужно включить соответствующее словосочетание или производное от него (п. 3 ст. 4.1 Закона № 4015-1).

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Кто еще может быть соискателем

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Подать заявление на выдачу лицензии могут:

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Платформа Пампаду позволяет работать в статусе юрлица, физлица или самозанятого на ваш выбор. Удобный личный кабинет позволяет рассчитать и оформить ОСАГО, КАСКО, мини-КАСКО, полис ипотечного страхования. 

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Очевидно, что организация может получить лицензию на разные виды деятельности в сфере страхования, а не только на работу в качестве брокера. При этом важно понимать, что требования к составу пакета документов, а также к самой компании-соискателю, могут отличаться в зависимости от выбранного направления деятельности. 

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Какие документы нужны для получения лицензии страхового брокера

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Чтобы получить лицензию и стать страховым брокером, в орган страхового надзора потребуется представить следующий пакет документов (п. 6 ст. 32 Закона № 4015-1):

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Перечень документов является исчерпывающим – дополнительные сведения органом страхового надзора запрошены быть не могут (за исключением случаев, когда дополнительные требования к страховому брокеру установлены законодательством, регулирующим конкретный вид страхования). 

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Что нужно сделать соискателю лицензии перед обращением в Центробанк

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Чтобы получить разрешительный документ без проблем, нужно тщательно подготовиться к процедуре лицензирования. Банк России рекомендует:

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После того, как подготовка будет завершена, документы можно направлять на рассмотрение в Центробанк. Сделать это нужно онлайн, с использованием электронной цифровой подписи – ею потребуется подписать пакет документов, который будет загружен в личный кабинет соискателя. 

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Основания для отказа в выдаче лицензии

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На принятие решения о выдаче лицензии (или об отказе в ее выдаче) законодатель отводит 30 рабочих дней. Еще 5 рабочих дней предоставляется Центробанку для того, чтобы уведомить заявителя о принятом в его отношении решении (п. 10 ст. 32 Закона № 4015-1). Соответствующая информация также публикуется на сайте Центробанка. 

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Отказать в выдаче лицензии на осуществление страховой брокерской деятельности орган страхового надзора может, если:

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Уведомление о принятом решении содержит информацию о причине отказа – ошибки и несоответствия можно будет исправить: после этого документы допустимо подать повторно.  

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Сколько действует лицензия

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Лицензия начинает действовать со дня, следующего за днем ее выдачи соискателю. Как правило, Банк России выдает заявителям бессрочные лицензии – при этом разрешение может быть отозвано в случае, если брокер нарушает действующее законодательство. 

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Реже выдаются лицензии с ограниченным сроком действия:

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Временную лицензию можно продлить – для этого нужно направить в Центробанк соответствующее заявление.

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Когда действие лицензии заканчивается

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Лицензия на осуществление посреднической деятельности в качестве страхового брокера прекращает свое действие, если исчезает сама организация, которая ее получила. Ликвидация юридического лица или ИП влечет за собой аннулирование выданного разрешения – использовать его для нового бизнеса уже не получится.

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А вот в том случае, если компания полностью свое функционирование не прекращает, а лишь изменяет свой состав (например, расширяется путем присоединения другого юрлица, или отделяет часть посредством выделения новой компании), действие лицензии не прекращается – достаточно актуализировать имеющий документ (информация об изменениях передается в Центробанк уполномоченным представителем компании). 

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Итак, компания может получить лицензию на работу в качестве страхового брокера только в том случае, если она соответствует требованиям действующего законодательства. Выдачей разрешительных документов занимается Центробанк РФ – именно в это ведомство нужно отправлять заявление, а также дополнительные бумаги, предусмотренные законом. Лицензия выдается на неограниченный срок (за редкими исключениями) – отозвать ранее выданное разрешение могут только в том случае, если компания будет работать с нарушениями. В выдаче лицензии могут и отказать – в этом случае придется устранить причины, по которым пришел отказ, а затем повторно направить документы на рассмотрение в Центробанк. 

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Изменения в стоимости ОСАГО. Новые требования к кредитному страхованию жизни. Проверки Центробанка. Как страховому агенту увеличить доход в сегодняшней ситуации.

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Тарифный коридор ОСАГО снова расширят

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29 августа закончилась проверка справочников запчастей, запущенная Российским союзом автостраховщиков. Эта процедура предусмотрена “Единой методикой определения расходов на ремонт поврежденного транспортного средства”, утвержденной Положением Банка России от 04.03.2021 года. 

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После предыдущей аналогичной процедуры, цены на запчасти в среднем выросли на 28.7%, соответственно примерно на столько же увеличились расходы страховщиков на компенсацию затрат на ремонт пострадавших автомобилей.  Логично, что после этого, заговорили корректировке тарифов на ОСАГО. Соответствующее указание было размещение на сайте Банка России 22 июня 2022 года. Тарифный коридор предполагается расширить в обе стороны на 26%. Минимальную базовую ставку планируют установить в размере 1646 рублей, максимальную - 7535 руб. Сейчас они равны 2224 руб. и 5980 руб. соответственно.

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Пока решение не принято, инициатива проходит регистрацию в Минюсте РФ. Но, по мнению экспертов, расширение тарифного коридора может произойти уже осенью.

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В первую очередь это коснется убыточных и наиболее рисковых клиентов страховых компаний: молодых водителей с небольшим стажем, виновников ДТП и т.д. Для них подорожание автогражданки может стать весьма существенным. В то же время, по мнению представителей страховой компании “Совкомбанк Страхование”, для аккуратных водителей цена полиса может практически не измениться. Расширение коридора ведет к дальнейшей индивидуализации тарифов. Это позволяет страховщикам гибко подходить к расчету стоимости страховки, увеличивать затраты тех, кто “бьется” чаще и, наоборот, предлагать более выгодные условия для безаварийных водителей.

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В то же время серьезной проблемой становится отказ рисковых водителей покупать полисы ОСАГО из-за его высокой стоимости. Многие рассуждают так, что в случае ДТП ущерб страховщик оплатит потерпевшему, а не ему, так зачем тратиться на страховку. Тем более, что штрафы за отсутствие автогражданки невелики. В итоге добросовестный водитель, пострадавший по вине “отказника” вынужден добиваться возмещения ущерба с виновника торжества, что не всегда возможно даже через суд. Поэтому многие страховые компании стали предлагать полисы, обеспечивающие защиту и в этом случае. Кстати, их оформление доступно в личном кабинете агента на Пампаду, причем вы можете подобрать варианты с учетом стоимости авто и пожеланий его владельца.

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Центробанк возобновит выездные проверки страховщиков

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Из-за увеличившегося роста жалоб на отсутствие возможности оформить ОСАГО, навязывание дополнительных страховок и т.д., регулятор решил возобновить выездные проверки страховщиков. Подобная практика была и раньше, но ее приостановили в апреле этого года для поддержки страхового рынка. В полном объеме вернутся к ней регулятор планирует с 2023 года. а пока проверки будут носить нерегулярный характер и проводить их станут только в крайних случаях. В первую очередь речь идет о контроле офисов страховых компаний, но не исключено, что они могут затронуть и агентов, в первую очередь крупных брокеров.

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Изменения в кредитном страховании жизни

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В связи с ростом жалоб на навязывание дополнительных полисов, непредоставление информации о заключенных договорах страхования при оформлении кредита и т.д., Центробанк вводит единые минимальные требования к кредитному страхованию жизни потребительское и ипотечное кредитование. Теперь при оформлении полиса страховщик в обязательном порядке будет должен предоставлять клиенту основную информацию о страховке в виде небольшой таблицы. В ней будут указаны перечень страховых рисков, размер страховой премии, регламент подачи заявления о страховой выплате, а также информация о том, влияет или нет заключение этого договора на условия кредитования, о возможности отказаться от страховки в течение 14 дней и т.д. Еще одним серьезным изменением станет ограничение перечня исключений из страхового покрытия . Он будет определяться в соответствие с гражданским законодательством: умысел, ядерная реакция, военные действия и гражданская война. Единственное возможное дополнение этого списка, которое сможет внести Страховщик это смерть Застрахованного в состоянии алкогольного или наркотического опьянения или непредставление им информации о наличии на момент страхования каких-либо критических заболеваний. Сейчас у многих страховых компаний этот перечень гораздо шире. При этом заявление о страховом случае по новому регламенту разрешат подавать в банк, выдавший кредит. Страховую выплату Страховщик будет обязан произвести в течение 30 дней после его подачи.

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В связи с запланированными изменениями эксперты прогнозируют повышение стоимости полисов кредитного страхования жизни на 10-20%. Прежде всего это вызвано изменением перечня исключений для отказа в страховой выплате. В настоящее время у многих страховых компаний он гораздо шире.

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Изменения вступают в силу с 1 октября 2022 года. Поэтому тем, у кого подходят сроки пролонгации договоров, которых коснутся эти нововведения, возможно стоит перезаключить их заранее.

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Глас агента по ОСАГО

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Агентство страховых новостей провело анонимный опрос среди страховых агентов о продажах ОСАГО. Участие в нем приняли агенты из сорока регионов России. Почти 90% агентов сообщило о снижении доходов, причем у 20% они упали в два раза.

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Частично это объясняют традиционным спадом спроса на эти услуги в летний период, но, вместе с этим снизился размер комиссионного вознаграждения в ряде страховых компаний, и ухудшилась проходимость полисов, часть клиентов ушла в интернет (многие сейчас оформляют автогражданку самостоятельно) и т.д.

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Почти полгода назад вступил в силу перестраховочный пул. Насколько он “облегчил” жизнь агентам и клиентам, смог заменить “Е-Гарант”и т.д., когда реализуются предложения по отказу от учета износа при возмещении ущерба по автогражданке и увеличению страховой суммы по рискам жизни, все это будет обсуждаться на 8-и ежегодном форуме “Лидеры страхового рынка”. Он пройдет в Москве 27 октября 2022 года, участие в нем примут более 200 собственников и представителей  главный страховых компаний. Возможно статистика, собранная АСН по данному вопросу, также будет учтена при обсуждении данных вопросов.

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Как увеличить доход страховому агенту

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Представители страховых компаний считают, что одной из причин снижения доходов страховых агентов является уход клиентов в интернет. Многие сейчас оформляют полисы ОСАГО самостоятельно, не прибегая к услугам посредников. Сохранить и увеличить свой доход сейчас можно за счет продаж добровольных видов страхования. Например, имущества физических лиц, страхования от несчастного случая и т.д.

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В то же время, согласно опросу информационного портала Superjob, большинство из тех, кому удалось сохранить заработок на прежнем уровне, работают удаленно, оформляя полисы по всей России. Многие стараются делать акцент на ипотечном страховании, которое также можно осуществлять онлайн. 

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Есть и такие, кто не останавливается на страховых продуктах, а начинает, вместе с ними, предлагать клиентам и что-то еще, например финансовые услуги. Ни для кого не секрет, что чем больше услуг вы можете предложить клиенту, тем больше, потенциально, вы можете заработать. Безусловно, самому налаживать сотрудничество с банками довольно сложно и хлопотно. Но все это можно делать пройдя простую регистрацию в личном кабинете на Пампаду. Судите сами, в нем вам доступно оформление полисов ОСАГО и КАСКО, страхование ипотеки, корпоративные виды страхования. И, кроме этого, оформление дебетовых и кредитных карт, кредитование и предоставление микрозайма и т.д. И при этом вы абсолютно не ограничены территориально, так как наш сервис позволяет работать с клиентами по всей России.

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Полис ОСАГО – обязательного страхования гражданской ответственности владельцев транспортных средств – должен быть у каждого водителя, садящегося за руль автомобиля. При этом страхователей волнует вопрос – сколько стоит полис ОСАГО, и от чего зависит размер страховой премии, подлежащей уплате: ведь каждый год стоимость полиса изменяется, причем иногда весьма существенно. 

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Избежать ошибок в расчетах можно при оформлении полиса ОСАГО в личном кабинете Пампаду. Сервис дает возможность бесплатно проверить КБМ по базе РСА, а также восстановить скидку КБМ для водителей, которая может быть утрачена при смене водительского удостоверения.

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Как изменились тарифы ОСАГО в 2022 году

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«В России резко вырастут тарифы на ОСАГО» – такими заголовками в конце 2021 года взорвались новостные порталы. Уже с января 2022 года стоимость полисов изменилась: прежде всего, за счет корректировки размера базовой ставки, а также дополнительных коэффициентов, изменяющих цену страховки как в большую, так и в меньшую сторону.

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Из-за резкого подорожания запчастей, Банк России повторно планирует изменить тарифы ОСАГО в 2022 году: коридор базового тарифа ОСАГО для большинства категорий автовладельцев предлагается расширить на 26% вверх и вниз. Таким образом, для легковых автомобилей граждан базовая ставка тарифа по ОСАГО будет устанавливаться страховщиками индивидуально для каждого водителя в диапазоне 1646–7535 рублей.

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Базовая ставка и тарифный коридор ОСАГО в 2022 году (руб.)

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Тарифный коридор – это границы минимального и максимального значения базовой ставки, на основании которой с помощью дополнительных коэффициентов рассчитывается итоговая стоимость полиса ОСАГО. Аккуратные водители могут рассчитывать на снижение цены страховки – а вот автовладельцам, которые уже становились виновниками ДТП, придется заплатить больше. 

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Новые тарифы по ОСАГО начали действовать с 9 января 2022 года. Минимальные и максимальные размеры базовых ставок страховых тарифов по ОСАГО на 2022 год установлены Указанием Банка России от 08.12.2021 № 6007-У (далее – Указания № 6007-У). На итоговую величину показателя влияют следующие факторы:

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Например, для легкового автомобиля, используемого физическим лицом для собственных нужд или для ведения бизнеса (для индивидуальных предпринимателей) базовая ставка в 2022 году составляет:

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Изменение базовой ставки для указанной категории транспортных средств по сравнению с 2021 годом составило 10% – причем в обе стороны: минимальная ставка не выросла, а наоборот уменьшилась (в 2021 году ее размер составлял 2 471 рубль). Размер применяемой базовой ставки страховщики вправе определять самостоятельно, причем методика этой процедуры законодателем не определена. Практика показывает, что чаще страховщики выбирают базовые ставки, приближенные к верхнему порогу тарифного коридора по ОСАГО, а не наоборот. 

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Чтобы узнать, какую базовую ставку применяет определенный страховщик в вашем регионе, можно использовать специальный калькулятор ОСАГО – с его помощью можно произвести расчет стоимости самостоятельно, не обращаясь в офис страховщика. Такие калькуляторы есть на сайтах всех страховых компаний, причем использовать их можно совершенно бесплатно. 

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Такой калькулятор есть и на нашей платформе. Рассчитать стоимость ОСАГО и оформить свой первый полис можно с помощью сервиса Пампаду. Работать в нем можно из любой точки мира, и получать комиссионное вознаграждение за каждый оформленный полис.

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Тарифный коридор ОСАГО с учетом регионального коэффициента в Москве в 2022 году (руб.)

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Базовая ставка едина для всей страны, однако это вовсе не значит, что в разных регионах страховые компании будут использовать единый тариф при расчете стоимости ОСАГО. Дополнительно к минимальному и максимальному размеру базовой ставки Банк России устанавливает коэффициенты страховых тарифов, значение которых зависит от региона, в котором будет использоваться транспортное средство (см. Приложение 2 к Указаниям № 6007-У). 

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Для ОСАГО в Москве на 2022 год установлен региональный коэффициент, равный 1,8. Это значит, что общие базовые ставки для транспортных средств, используемых в столице, индексируются на указанное значение. Таким образом, тарифный коридор ОСАГО для автомобилей, используемых физлицами и ИП на территории Москвы будет таким: 4 003,2 (минимум) – 10 764 (максимум). 

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Что изменилось в системе ОСАГО в 2021 году

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В 2021 году система ОСАГО претерпела немало изменений, которые коснулись не только принципа расчета стоимости полиса, но и правил прохождения обязательного техосмотра. Расскажем о них подробнее.

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Основными изменениями, которые несомненно почувствовали на себе водители транспортных средств, в 2021 году стали:

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  1. Введение новых правил техосмотра авто. Чтобы купить страховку, нужно было получить диагностическую карту, а сделать это требовалось в специализированном пункте ТО.  Однако в связи с тем, что большинство пунктов ТО оказались попросту не готовы к обслуживанию потока автомобилей, физлица получили право на оформление страховки со старой диагностической картой – предъявлять результаты ТО, пройденного непосредственно перед покупкой полиса, стало необязательно. 
  2. Появилось приложение «Помощник ОСАГО», с помощью которого участники ДТП могут самостоятельно оформить извещение о ДТП по «Европротоколу» и отправить его в АИС ОСАГО через интернет. Важным преимуществом использования такого приложения является возможность увеличения лимита выплат при выполнении фотофиксации данных о ДТП до 400 тыс. рублей (при оформлении бумажного извещения о ДТП через процедуру «Европротокола» лимит выплат составляет всего 100 тыс. рублей).
  3. Был снят запрет на вступление в силу электронного полиса ОСАГО в день его покупки – ранее полис начинал действовать только спустя 72 часа после его оплаты; теперь страховщики могут сами определять момент, с которого страховка начнет защищать ответственность автовладельца.  
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Что изменилось в системе ОСАГО в 2022 году

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Изменения для водителей, произошедшие в 2022 году, заключаются в следующем:

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  1. Изменился размер КБМ – коэффициента ОСАГО, учитывающего стаж безаварийной езды водителя и количество ДТП на его счету.
  2. Обновились справочники автозапчастей, с использованием которых ведется расчет стоимости восстановительного ремонта и денежной компенсации, выплачиваемой владельцу пострадавшего авто. Цены, указанные в справочниках, увеличились с учетом всеобщей инфляции, затронувшей в кризис 2022 года, в том числе и запчасти.  
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Что влияет на цену ОСАГО

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На итоговую стоимость ОСАГО влияет не только базовый тариф, но и значение дополнительных коэффициентов, которые могут как увеличивать, так и уменьшать цену полиса. 

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В 2022 году в соответствии с Указаниями Центробанка РФ при расчете стоимости полиса учитываются следующие коэффициенты:

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Значение каждого из этих коэффициентов определяется индивидуально для конкретного полиса, поэтому сказать точно, сколько будет стоить страховка в 2022 году, нельзя – предварительно нужно произвести расчеты, учитывающие все перечисленные выше факторы.

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Сколько в 2022 году составит коэффициент бонус-малус (КБМ)

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С 1 апреля 2022 года страховщики начали применять новые коэффициенты бонус-малус – максимальная скидка для аккуратных водителей выросла, а вот инициаторам ДТП теперь приходится платить еще больше. 

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Раньше минимальный КБМ был равен 0,5 – водитель мог приобрести страховку со скидкой 50%. С апреля 2022 года минимальный КБМ уменьшился на 0,04 пункта – теперь добросовестный водитель может рассчитывать на коэффициент 0,46. Скидка при этом составит уже 54%, а не 50%, как это было ранее. Подробнее о новых коэффициентах КБМ.

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А вот максимальный коэффициент, который применяется к водителям, которые становятся инициаторами ДТП наиболее часто, наоборот вырос – с 2,45 до 3,92. Это значит, что при применении коэффициента с максимальным значением, итоговая стоимость полиса при прочих неизменных факторах, увеличится на 60%. 

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Стоимость страховки увеличится и для тех водителей, у которых был высокий, но не максимальный КБМ, и при этом в 2021 году не было аварий. Например, для водителей с классом М в 2021 году при расчете стоимости полиса применялся КБМ 2,45. В 2022 году за безаварийное вождение водитель должен получить скидку – класс сменился с М на 0. Однако в 2022 году 0 классу соответствует КБМ 2,94 – этот показатель на 20% выше максимального значения КБМ в 2021 году. 

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Сколько в 2022 году составит территориальный коэффициент (КТ)

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Значения территориальных коэффициентов для разных регионов и городов установлены Указаниями № 6007-У. Самый высокий коэффициент – 1,88 – применяется на территории Мурманска и Челябинска. Самый низкий – 0,68 – в отдельных (прочих) городах и населенных пунктах республики Крым, Забайкальского края и Якутии. Очевидно, что стоимость страховки при прочих равных условиях для жителей этих городов будет отличаться почти в 3 раза – только из-за того, что они проживают в разных регионах нашей страны. 

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Сколько в 2022 году составит коэффициент количества допущенных к управлению водителей (КО)

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Значение КО зависит от того, ограничено количество лиц, допущенных к управлению автомобилем с использованием страхового полиса, или нет. В первом случае значение коэффициента составит 1, во втором – 2,32 (для физлиц) или 1,97 (для юрлиц). 

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Сколько в 2022 году составит коэффициент возраста и стажа вождения (КВС)

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КВС учитывает возраст водителя (всего Центробанком установлено 8 возрастных групп), а также его стаж (всего 8 групп стажа). В том случае, если владелец авто – юридическое лицо, коэффициент индексируется на 1,8. Если водителей у одного транспортного средства несколько, при расчете стоимости ОСАГО применяется наибольший из рассчитанных для каждого из них КВС. 

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Подорожают ли полисы ОСАГО

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Для большинства водителей полисы ОСАГО в 2022 году подорожают – прежде всего из-за роста базовых ставок, а также из-за увеличения значений КБМ для начинающих водителей, а также для тех, кто часто провоцирует ДТП. Теоретически, стоимость полиса должна снизиться для аккуратных водителей с большим стажем управления транспортным средством – для них страховщики должны применять не только минимальный КБМ, но и сниженные базовые тарифы ОСАГО. Такое бывает, но реже – в большинстве случаев страховка все-таки становится дороже. 

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Какие еще коэффициенты изменятся

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Итак, помимо базовых тарифов ОСАГО, а также значений КБМ, в 2022 году изменились:

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Коэффициент, учитывающий мощность транспортного средства, в 2022 году остался неизменным.

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Новые правила техосмотра в 2022 году

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Чтобы приобрести страховку в 2022 году, диагностическая карта, выдаваемая по результатам проведенного техосмотра, не нужна – полис продадут и без нее. Владельцы транспортных средств могут пройти ТО по своему желанию, чтобы знать, исправен автомобиль, или же есть какие-то проблемы, которые нужно устранить.

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При этом обязанность по прохождению техосмотра сохраняется в следующих случаях:

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Пройти осмотр и получить диагностическую карту можно на любой станции техобслуживания. 

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Какие документы нужны для оформления полиса в 2022 году

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Чтобы оформить полис ОСАГО, потребуются следующие документы:

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Кроме того, в некоторых страховых потребуется написать заявление на выдачу полиса. При оформлении ОСАГО онлайн ничего писать не придется – достаточно ввести нужные сведения в поля предлагаемой формы, и система сгенерирует заявление автоматически. 

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Как рассчитать размер полиса ОСАГО

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По общему правилу, установленному Центробанком, расчет стоимости ОСАГО производится по следующей формуле:

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Цена полиса = Базовый Тариф ОСАГО х КТ х КБМ х КВС х КО х КМ х КС

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Рассчитать стоимость полиса можно:

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Если считать стоимость страховки ОСАГО самостоятельно, можно увидеть не только итоговую сумму, которую придется заплатить, но и расшифровку расчета – размер применяемой базовой ставки, и также дополнительных коэффициентов.

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Стоимость полиса ОСАГО (обязательного страхования автогражданской ответственности) не является фиксированной – итоговый размер платежа рассчитывается в индивидуальном порядке и зависит от множества показателей: в частности, от коэффициента возраста и стажа – КВС. Расскажем том, что это за коэффициент, когда он увеличивает, а когда уменьшает стоимость страховки, и чем он отличается от других коэффициентов, используемых при расчете цены полиса. 

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Что такое КВС в ОСАГО

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КВС – коэффициент возраста и стажа – зависит от даты рождения лиц, на имя которых оформлена страховка, а также от даты получения водительского удостоверения. Этот коэффициент предполагает, что чем старше водитель и чем больше его опыт вождения транспортного средства, тем меньше вероятность того, что он станет инициатором ДТП. Исходя из этой логики, КВС уменьшается, когда водитель становится старше и приобретает опыт вождения, позволяющий ему уверенно чувствовать себя на дороге и не совершать ошибок. 

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Максимальный КВС – у молодых водителей, которые только получили права; минимальный – у водителей старше 59 лет, управляющих автомобилем на протяжении 14 и более лет. 

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Как КВС влияет на стоимость полиса

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КВС влияет на итоговую стоимость страховки также, как и другие коэффициенты, увеличивая и уменьшая ее в зависимости от применяемого значения. Коэффициенты, значение которых меньше 1, являются понижающими; больше 1 – повышающими. 

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Таблица КВС по ОСАГО на 2022 год

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Значения КВС для водителей разных возрастов и с разным опытом управления транспортным средством установлены Указаниями Центробанка России от 08.12.2021 № 6007-У. Таблица КВС в 2022 году выглядит так:

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№ п/пСтаж, лет 0123-45-67-910-14более 14
Возраст, лет
12345678910
116-212,271,921,841,651,62
222-241,881,721,711,131,101,09
325-291,721,601,541,091,081,071,02
430-341,561,501,481,051,041,010,970,95
535-391,541,471,461,000,970,950,940,93
640-491,501,441,430,960,950,940,930,91
750-591,461,401,390,930,920,910,900,86
8старше 591,431,361,350,910,900,890,880,83
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Узнать свой КВС по этой таблице очень просто – достаточно выбрать столбец, соответствующий вашему стажу вождения, и строку, в которой указан диапазон, включающий ваш возраст. На пересечении выбранных столбца и строки вы найдете свой КВС – именно его страховщик будет использовать при расчете стоимости вашей страховки. Специалистам в сфере страхования значительно упростить расчет стоимости ОСАГО поможет платформа Пампаду. Регистрируйтесь, и получайте агентское вознаграждение за каждый оформленный полис.

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Как рассчитывается стоимость ОСАГО с КВС?

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По общему правилу, установленному Центробанком РФ, стоимость ОСАГО рассчитывается по формуле:

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Цена страховки ОСАГО = Базовый Тариф х КТ х КБМ х КВС х КО х КМ х КС, где

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КВС, как и другие установленные Центробанком коэффициенты, влияет на итоговую цену полиса, изменяя значение базового тарифа в большую или меньшую сторону. Рассчитать стоимость страховки в конкретном случае можно самостоятельно, используя онлайн-калькулятор ОСАГО на сайте выбранной страховой: понадобятся сведения об автомобиле, а также о страхователе, собственнике транспортного средства и водителях, которые будут им управлять. 

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Онлайн расчет занимает несколько минут – потратив их, вы будете знать, какие коэффициенты применяются в вашем отношении, а заодно и проверите – нет ли в расчетах ошибок (например, часто применяется неправильный КБМ – страховщики просто не обновляют информацию в РСА: в этом случае нужно подавать в страховую письменную жалобу с требованием о восстановлении положенного вам коэффициента). 

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Многие страховые компании позволяют оформить полис сразу же после проведения расчетов – это можно сделать, не выходя из дома и не посещая офис страховщика: электронный ОСАГО, оплаченный онлайн, имеет такую же юридическую силу, как и привычный документ, распечатанный на бумажном бланке. 

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Если есть коэффициент КБМ, зачем тогда КВС

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КБМ и КВС – совершенно разные коэффициенты ОСАГО, каждый из которых учитывает разные характеристики водителя, ответственность которого страхуется по ОСАГО. КБМ зависит от того, сколько аварий спровоцировал водитель, а КВС – от его возраста и продолжительности официально зарегистрированного водительского стажа. Историю КБМ водителя можно проверить в личном кабинете Пампаду абсолютно бесплатно. Также платформа позволяет восстановить КБМ всего за 45 рублей.

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КВС при неограниченной страховке

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Страховой полис не всегда содержит сведения о водителях, ответственность которых застрахована в рамках программы ОСАГО – законодатель позволяет оформить страховку и без ограничений по количеству водителей. Использовать такой полис при управлении транспортным средством может любой человек, у которого есть водительское удостоверение. При этом возникает вопрос – какой КВС применяется при расчете стоимости ОСАГО в этом случае?

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В такой ситуации страховщики применяют КВС, равный 1. Дополнительные риски, связанные с тем, что автомобилем возможно будет управлять неопытный молодой водитель, будут регулироваться другим коэффициентом – КО. Он учитывает количество лиц, которые будут допущены к управлению транспортным средством. 

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В том случае, если перечень водителей, вписанных в страховку, ограничен, применяется КО, равный 1; если неограничен, значение КО повышается до 2,32. 

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Выгодно ли оформлять автогражданку молодым водителям

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Очевидно, что оформлять автогражданку молодым водителям не так выгодно, как автовладельцам, которым исполнилось хотя бы 30 лет. Так, при прочих равных условиях, полис молодого 18-летнего автолюбителя, который только получил водительское удостоверение, будет стоить дороже, чем полис такого же начинающего автовладельца, достигшего 30-летнего возраста, почти на 31%.

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Но не оформлять страховку вообще – не выход. Во-первых, за управление автомобилем без полиса ОСАГО водителя оштрафуют – размер взыскания составляет 800 рублей. Во-вторых, молодой возраст и отсутствие опыта вождения могут привести к ДТП – если страховки не будет, восстанавливать за свой счет придется не только собственное авто, но и транспортное средство пострадавшей стороны. 

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В каких случаях КВС не применяется

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КВС – обязательная составляющая формулы, используя которую страховые компании рассчитывают точную стоимость страховки ОСАГО, поэтому нельзя говорить о том, что в отдельных ситуациях КВС может не применяться.  

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Однако, как было сказано выше, в случае, если число лиц, которые могут управлять транспортным средством с использованием одного полиса ОСАГО, является неограниченным, страховщики используют КВС, значение которого равняется 1. При этом никакого влияния на стоимость полиса он не оказывает – цена ОСАГО остается той же самой, что и до применения коэффициента. Поэтому условно можно считать, что КВС в такой ситуации не применяется. 

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Для получения пассивного дохода не обязательно создавать свой ресурс, чтобы получать прибыль. Достаточно найти сайт, который предлагает заработок на партнерских программах банков. Предлагаем вашему вниманию сервис «Пампаду», с помощью которого вы с легкостью заработаете на партнерских сервисах. Чтобы начать зарабатывать, зарегистрируйтесь на «Пампаду» и выберите финансовый продукт для рекламы. Если пользователь перейдет по вашей ссылке, закажет банковский продукт, сделка будет считаться совершенной. Это значит, что вы получите выплату.

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Подробно рассказали о том, как зарабатывать на партнерских программах разных банков, включая Альфа-Банк, Открытие и Ак Барс.

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Как зарабатывать на партнерских программах банков?

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Если вы уже зарегистрированы на сайте «Пампаду», выберите в главном меню пункт «Финансовые продукты», а затем подразделы: дебетовая карта или кредитная карта.

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Перед вами появится список банков со своими банковскими продуктами. Выбирайте карту, на распространении которой планируете зарабатывать. Но среди дебетовых и кредитных карт довольно много предложений, поэтому выбрать подходящий вариант бывает сложно. Чтобы выбрать подходящее решение для дальнейшего распространения, руководствуйтесь следующими критериями.

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Партнерская программа Ак Барс банка

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Банк предлагает партнерам распространять сразу две дебетовые карты: Aurum и «МИР Забота». Комиссия партнера в случае успешной сделки составит 2400 рублей. У этих банковских продуктов есть свои сильные и слабые стороны. Рассмотрим их подробнее, чтобы вы смогли выбрать подходящий вариант.

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Карта Aurum

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Если клиент оформит карту по вашей ссылке и активирует банковский продукт, вы получите 2400 рублей.

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Карта «МИР Забота»

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Карта платежной системы «МИР» пользуется большей популярностью о той причине, что она работает и в других странах.

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Партнерская программа Альфа Банк

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Альфа Банк предлагает партнерам выбрать сразу пять дебетовых карт: Premium выплатой 1750 руб., AlfaTravel и «Аэрофлот» с комиссией для партнера 1250 руб., детская Альфа-карта и Альфа-карта «МИР» с вознаграждением — 1200 руб. Чтобы выбрать карту для продажи, выберите на сайте «Пампаду» — подробные условия и требования. Все карты объединяет то, что за выпуск платить не нужно. Но отличается кэшбэк за покупки, комиссия за снятие наличных.

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Популярностью среди агентов пользуется карта Premium из-за высокого вознаграждения. Условия по карте следующие.

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Зайдите в личный кабинет партнерской программы Альфа Банк через сервис «Пампаду», скопируйте ссылку и разместите на своем ресурсе. За каждое успешное закрытие сделки вам будет начислено вознаграждение.

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Обратите внимание и на кредитные карты Альфа Банка. В личном кабинете сайта «Пампаду» выберите «финансовые продукты», перейдите в раздел «кредитные карты» и в меню поиске укажите Альфа Банк. Перед вами появится сразу четыре кредитные карты этого банка. За распространение финансового продукта получите 2100 рублей.

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Партнерская программа Тинькофф

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У банка Тинькофф в разделе «Дебетовые карты» сразу две карты: Black МИР и «Драйв». Напомним, что у банка нет офиса, поэтому заявки на финансовые продукты принимаются всегда в онлайн формате. У компании налажена доставка финансовых продуктов, поэтому рекламировать карты Тинькофф выгодно.

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Условия по карте «Драйв» следующие.

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Если по вашей партнерской ссылке пользователь оформит и активирует «пластик» «Драйв», вы получите 840 рублей. За распространение продукта Black МИР предусмотрено вознаграждение для партнера банка Тинькофф в размере 740 руб.

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Более выгодные условия по партнерской программе Тинькофф банка предусмотрены за распространение кредитных карт. За продажу Drive получите 2600, а Platinum — 2800 руб.

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Условия по Тинькофф Platinum выглядят так.

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По продукту Тинькофф Drive.

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Партнерская программа банка Открытие

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По партнерской программе банка «Открытие» среди дебетовых карт на сайте «Пампаду» представлено сразу девять карт. Процент вознаграждения за продажу составляет 1200 руб. Для болельщиков народной команды московского «Спартака» банк выпустил специальную карту «Открытие Спартак». Преимущество такого «пластика» в том, что на покупку билетов на самолет и бронирование отелей действует скидка 20%. Другие условия по карте выглядят так.

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По кредитным картам банка в соответствующем разделе «Пампаду» вы найдете сразу три продукта: Opencard с вознаграждением — 2900 руб., «Открытие - 120 дней без процентов» — 1400 рублей за продажу и «Все что надо» — 2900 руб.

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По карте «Открытие - 120 дней без процентов» условия следующие.

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Способы привлечения клиентов

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Для владельцев бизнеса многие банки на сайте «Пампаду» предлагают клиентам РКО — комплексные услуги при открытии счета. Этим могут воспользоваться агенты, чтобы привлечь как можно больше юридических лиц. Если вы планируете получать стабильный доход на партнерских программах банков ВТБ, Сбербанк, Альфа Банк и другие, подумайте над привлечением клиентов. Предлагаем вам несколько популярных и эффективных вариантов привлечения клиентов.

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Предложения всех банков в одном кабинете Пампаду

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Зачем искать предложения партнерских программ банка ВТБ, Альфа Банк или Тинькофф на разных ресурсах, когда все «партнерки» собраны на одном сайте. Ресурс «Пампаду» предлагает всем желающим стать агентом. Все что от вас требуется — зарегистрироваться на сайте и выбрать финансовый продукт для продвижения.

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Работать с «Пампаду» легко и удобно. Вся информация есть в главном меню. Просто выберите финансовый продукт для продвижения, скопируйте ссылку и начинайте зарабатывать.

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Вместо заключения

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Чтобы стать партнером и получать прибыль, изучите предложения банков. После выбора подходящего варианта, скопируйте ссылку на сайте «Пампаду». Заранее посмотрите, сколько получите за продажу «пластика».

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Преимущества «Пампаду» в том, что ресурс сотрудничает только с проверенными финансовыми учреждениями, которые делают выплаты своим партнерам. От начала заработка на партнерских программах банков вас отделяет всего несколько шагов: регистрация, выбор финансового продукта и запуск рекламы. Зачем откладывать свою возможную прибыль на завтра, когда можно зарабатывать уже сегодня? Регистрируйтесь и становитесь агентом «Пампаду».

\n', 'Партнерские программы банков', 'Обзор партнёрских программ банков и где их найти. Как на них зарабатывать и в каких банках доступны? Как найти клиентов на финансовые офферы', 'publish', 'open', 'open', '', 'partnerskie-programmy-bankov', '', '', '2022-08-31 14:14:53', '2022-08-31 14:14:53', '', 0, 'https://pampadu.ru/blog/?p=1694', 0, 'post', '', 0), (1695, 13, '2022-08-31 14:06:57', '2022-08-31 14:06:57', '', 'Screenshot_2', '', 'inherit', 'open', 'closed', '', 'screenshot_2', '', '', '2022-08-31 14:06:57', '2022-08-31 14:06:57', '', 1694, 'http://pamtest.ru/wp-content/uploads/2022/08/Screenshot_2.png', 0, 'attachment', 'image/png', 0), (1696, 13, '2022-08-31 14:07:15', '2022-08-31 14:07:15', '', 'Screenshot_2-1', '', 'inherit', 'open', 'closed', '', 'screenshot_2-1', '', '', '2022-08-31 14:07:15', '2022-08-31 14:07:15', '', 1694, 'http://pamtest.ru/wp-content/uploads/2022/08/Screenshot_2-1.png', 0, 'attachment', 'image/png', 0), (1697, 13, '2022-08-31 14:07:52', '2022-08-31 14:07:52', '', 'Screenshot_3', '', 'inherit', 'open', 'closed', '', 'screenshot_3', '', '', '2022-08-31 14:07:52', '2022-08-31 14:07:52', '', 1694, 'http://pamtest.ru/wp-content/uploads/2022/08/Screenshot_3.png', 0, 'attachment', 'image/png', 0), (1698, 13, '2022-08-31 14:08:30', '2022-08-31 14:08:30', '', 'Screenshot_4', '', 'inherit', 'open', 'closed', '', 'screenshot_4', '', '', '2022-08-31 14:08:30', '2022-08-31 14:08:30', '', 1694, 'http://pamtest.ru/wp-content/uploads/2022/08/Screenshot_4.png', 0, 'attachment', 'image/png', 0), (1699, 13, '2022-08-31 14:09:00', '2022-08-31 14:09:00', '', 'Screenshot_5', '', 'inherit', 'open', 'closed', '', 'screenshot_5', '', '', '2022-08-31 14:09:00', '2022-08-31 14:09:00', '', 1694, 'http://pamtest.ru/wp-content/uploads/2022/08/Screenshot_5.png', 0, 'attachment', 'image/png', 0), (1700, 13, '2022-08-31 14:09:44', '2022-08-31 14:09:44', '', 'Screenshot_6', '', 'inherit', 'open', 'closed', '', 'screenshot_6', '', '', '2022-08-31 14:09:44', '2022-08-31 14:09:44', '', 1694, 'http://pamtest.ru/wp-content/uploads/2022/08/Screenshot_6.png', 0, 'attachment', 'image/png', 0), (1701, 13, '2022-08-31 14:10:42', '2022-08-31 14:10:42', '', 'Screenshot_7', '', 'inherit', 'open', 'closed', '', 'screenshot_7', '', '', '2022-08-31 14:10:42', '2022-08-31 14:10:42', '', 1694, 'http://pamtest.ru/wp-content/uploads/2022/08/Screenshot_7.png', 0, 'attachment', 'image/png', 0), (1702, 13, '2022-08-31 14:11:23', '2022-08-31 14:11:23', '', 'Screenshot_8', '', 'inherit', 'open', 'closed', '', 'screenshot_8', '', '', '2022-08-31 14:11:23', '2022-08-31 14:11:23', '', 1694, 'http://pamtest.ru/wp-content/uploads/2022/08/Screenshot_8.png', 0, 'attachment', 'image/png', 0), (1703, 13, '2022-08-31 14:14:32', '2022-08-31 14:14:32', '', 'Партнерские программы банков', '', 'inherit', 'open', 'closed', '', '1030h502-partnerskie-programmy-bankov', '', '', '2022-08-31 14:14:32', '2022-08-31 14:14:32', '', 1694, 'http://pamtest.ru/wp-content/uploads/2022/08/1030h502-Partnerskie-programmy-bankov.jpg', 0, 'attachment', 'image/jpeg', 0), (1707, 12, '2022-09-05 13:40:42', '2022-09-05 13:40:42', '\n

Завершился первый месяц работы по офлайн-страхованию ипотеки. Пришло время подвести итоги и рассказать, что нашим менеджерам удалось, какие проблемы клиентов смогли закрыть и какие сложности им еще предстоит преодолеть. 

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Итоги в цифрах:

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Как и прогнозировали, много заявок по частным домам и титульному страхованию. Также поступают обращения с квартирами в очень старых домах, с опасными профессиями или возрастными заемщиками, ипотекой в редком банке или с суммой остатка, превышающей допустимый для онлайн-страхования лимит. 

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Нередко полис требуется оформить день в день из-за ожидаемой сделки в банке или заканчивающегося действия предыдущего полиса. И нам это удается! К примеру, один из клиентов получил полис с текущей датой начала за 3 часа с момента отправки заявки. А самое главное, выгода составила около 60%. Во первых, мы подобрали предложение на 30% дешевле, чем предлагали в банке. Во-вторых, комиссией он заработал около 30%, так как полис заказывал для собственной ипотеки в Сбере.

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С заявками по частным домам зачастую возникают сложности из-за отсутствия отчета об оценке, который требуется при заключении договора страхования. Клиенты либо заказывают его в единственном экземпляре и передают в банк при заключении кредитного договора, либо просто теряют со временем свой экземпляр. Поэтому на 2-3 год перейти в другую страховую на более выгодных условиях почти невозможно. Но и в этих ситуациях наши менеджеры согласовывают переход без отчета! Для этого запрашивают у клиентов фото дома изнутри и снаружи, а также детальные снимки системы отопления и технический план жилого помещения.

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По Титулу встречаются сделки с достаточно высокой степенью риска, когда большинство страховых дают отказ. Но и здесь мы стараемся помочь и согласовать договор страхования на оптимальных условиях. К примеру, прямо сейчас ожидается заключение договора страхования по ипотеке на квартиру, которая продается внучкой в Москве по доверенности от 70-летней бабушки, проживающей в Краснодаре. Одна из компаний готова принять на страхование при сборе необходимых документов.

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Если говорить о сложностях, с которыми сталкиваются менеджеры при работе с заявками, то не все понимают необходимость сбора пакета документов. Ведь в онлайне полисы можно оформить без них. Но здесь надо отметить, что в онлайн принимаются на страхование малорисковые ипотечные заемщики, которые подходят под ограничения как по возрасту, сумме остатка по кредиту, так и по здоровью, профессии, объекту страхования. В офлайн, как правило, переходит все, что не удалось провести в онлайне. Это заведомо рисковый для компаний портфель. Поэтому без предоставленного пакета документов детальные расчеты и согласования менеджеры просто не производят (см. перечень документов в разделе помощи).

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Еще одна из проблем — демпинг цен при пролонгации. Страховщики заинтересованы в ипотечных клиентах и готовы идти на значительное снижение стоимости, предлагать различные плюшки, чтобы клиент остался в компании и застраховался напрямую. И клиент, как правило, приходит к своему агенту с уже имеющимся предложением от компании. Найти более выгодное предложение и оставить клиента за агентом удается, как правило, только при согласовании скидки за счет снижения комиссии агента. Мы выходим на агентов, если в заявке оставляли контакт клиента, и пытаемся согласовать скидку. Соглашаются не все и теряют не только пониженную комиссию, но и клиента. Поэтому не стоит бояться делиться частью вознаграждения, ведь клиент останется с вами и уже на будущий год пролонгировать ему страховку будете вы.

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Если вы также сталкиваетесь с ситуацией, когда онлайн ни одна компания не дает расчет, просто оставьте заявку на помощь в оформлении! Наши менеджеры оперативно рассчитают и помогут подобрать оптимальный вариант страхования.

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Преимущества офлайн-страхования через Пампаду:

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✅ Работа с 10+ страховыми компаниями

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✅ Аккредитация в 80+ банках

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✅ Все виды страхования: Жизнь, Имущество, Титул

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✅ Все объекты залога: квартира, частный дом, апартаменты, таунхаус, комната

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✅ Возраст заемщиков: от 18 до 75 лет

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С любовью к своему делу,
Команда Пампаду ?

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Увеличение тарифного коридора и территориальных коэффициентов.
К чему это приведёт? ?

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Центральный банк опубликовал решение о расширении с 13 сентября тарифного коридор базовой ставки по ОСАГО на 26%

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Диапазон базовой ставки будет от 1 646 р. до 7 535 р.
Для общественного транспорта тарифный коридор расширяют чуть меньше: на 17,8% в обе стороны.

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Кроме того,(о чем почему-то многие не упоминают), меняется территориальный коэффициент на 19 территориях использования авто. Он повышается на 0,06. Подробнее в файле.

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❓Как это все повлияет на нас с вами?

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  1. Стоимость полиса точно увеличится и скорее всего почти для всех клиентов. КБМ тут абсолютно не важен.
  2. Расширится сегментация. ?
    Страховые компании начнут принимать больше клиентов по верхней цене. Ведь теперь она покроет потенциальные убытки.
  3. КВ подрастёт. ?
    Мы надеемся увидеть повышение вознаграждения в ряде регионов и СК. Многие компании обещали его поднять вместе с изменениями тарифов.
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В результате нам с вами как продавцам должно стать лучше, что нельзя сказать о конечных клиентах. Поэтому:

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? Обязательно заранее продлевайте полисы клиентам сентября и октября по старым ценам. Объясняйте, что лучше купить полис сейчас и сэкономить ~25%.

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Коллеги, сентябрь уже наступил, а это значит наступает “золотое время” для страховых агентов, клиенты выходят из отпусков, а продажи растут.

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Мы в Пампаду всегда хотим, чтобы наши агенты зарабатывали больше и всячески этому способствуем(новые продукты, повышенная комиссия, упрощенная форма заполнения данных, служба поддержки и многое другое). Вот и в этот раз, решили сделать сентябрь еще интереснее для вас:

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? Условия акции: Продай больше всех полисов ипотечного страхования и выиграй супер приз смартфон Xiaomi, honor, Meizu.

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1 место - смартфон Xiaomi
2 место - смартфон Honor
3 место - смартфон Meizu

Также все, кто оформит хотя бы 1 полис ипотеки с 06.09.2022 по 05.10.2022 автоматически получают шанс выиграть одни из 5 смарт часов. Победители будут выбраны с помощью программы рандомайзер в нашем телеграмм канале 06.10.2022. Чем больше оформленных полисов ипотеки, тем выше шанс стать победителем.

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⏱ Акция действует с 06.09.2022 по 05.10.2022.

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Банк распространяет свои продукты среди пользователей и готов платить за привлечение новых клиентов. Получается, если привести нового вкладчика, то за это полагается выплата. Но возникает вопрос, как начать зарабатывать с помощью партнерских программ? Сервис «Пампаду» упрощает эту задачу, потому что собрал на сайте ведущие программы разных финансовых компаний. Благодаря этому у каждого появляется возможность для заработка. Подробнее рассказали в статье.  

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Что такое партнерские программы банков

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Партнерская программа с банком – это выгодное сотрудничество банка и партнера, которое оформляется агентским договором. Ключевая цель партнера содержится в поиске клиентов, физических, юридических лиц и индивидуальных предпринимателей, которые перейдут на обслуживание в банк. За каждого нового клиента партнеру выплачивается комиссионное вознаграждение, в зависимости от подключаемой услуги.

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Для чего банк запускает партнерки?

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Банк дает рекламу, но оплачивает услуги гипотетически. Нет никаких доказательств, что заинтересованный клиент оформил продукт именно по подписке. Если речь идет о контекстной рекламе, то стоимость за перешедшего по ссылке на сайт клиента может резко возрасти, т.к. высокая конкуренция.

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Банкам проще всего платить в партнерских программах за привлеченных целевых клиентов, потому что цена уже фиксированная. И благодаря этому финансовая структура находит пользователей для своих услуг даже в отдаленных регионах страны.

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Кто может стать партнером банка?

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Как зарабатывать на партнерки с помощью разных сервисов? Сделать это достаточно просто, все что требуется — это пройти простую процедуру регистрации на сервисе «Пампаду», выбрать интересные продукты и начать их распространять. Партнером может стать любой гражданин или ИП/ООО.

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Если у партнера есть свои для распространения рекламы банка, например, свой веб-ресурс или канал на видеохостинге YouTube, популярная площадка в Yandex.Дзен, то он может установить виджет на свой сайт или получить реферальную ссылку. На сайте Пампаду можно стать агентом сразу нескольких банков.

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Виды партнерских программ банков

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Принято выделять следующие виды партнерских программ:

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Если речь идет о фиксированной оплате, агент сразу выбирает продукт банка, который будет распространять. Цена уже назначена, допустим 2 тыс. руб. за привлеченного клиента. Если агенту удастся продать услугу пять раз, его чистый доход составит 10 тыс. руб.

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При выплате процентов от получения прибыли действует иная схема, здесь уже агент получает процент от суммы сделки. Например, за 10 привлеченных и активных клиентов банк платит 15 тыс. руб. Получается, выплата составит 1500 рублей за каждого активного покупателя.

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Виды оплаты в финансовых партнерских программах

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В партнерках принято выделять два способа оплаты: CPA и ревшара.

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  1. CPA - деньги дают за активное действие. Например, за оформление кредита или открытие счета.
  2. Ревшар — агент получает процент с заработка банка. Вознаграждение в этом случае платят постоянно, пока финансовая компания получает прибыль с вашей помощью. 
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Вы может сами выбирать, какой способ вам подходит больше. В партнерке сервиса «Пампаду» представлены CPA варианты, которые проще и понятнее. В итоге будете знать, сколько денег удалось заработать на партнерских программах.

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Какие бывают виды финансовых офферов?

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Виды финансовых офферов в партнерских программах банков бывают:

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Как стать партнером банка?

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Если вы планируете продавать финансовые продукты банка и получать прибыль, вам нужно зарегистрироваться. На официальном сайте «Пампаду» в правом верхнем углу выберите пункт «Зарегистрироваться».

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Укажите, кто вы являетесь: физическое лицо или ИП. После этого заполните все поля. По указанным контактам придет ссылка. Подтвердите процедуру регистрации. После этого вы станете партнером сервиса и сможете зарабатывать на продаже партнерских программ.

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Как работать в личном кабинете?

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В левом углу есть все доступные офферы. Чтобы зарабатывать на партнерских программах банков, выберите раздел с финансовыми продуктами и укажите: кредитные или дебетовые карты. Если это дебетовые карты, укажите в появившемся списке критерии поиска, например, город, платежную систему или сами выберите банк. Перед вами появятся все доступные варианты.

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Скопируйте ссылку понравившегося предложения, заранее посмотрите, сколько получите за приведенного клиента, и начинайте распространять информацию. После каждой продажи сумма будет зачисляться на счет агента. В любой момент вы сможете вывести заработанные деньги по указанным реквизитам. Их нужно будет указать в меню настроек.

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Обзор партнерских программ банков

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Сервис «Пампаду» предлагает список проверенных партнерских программ банков. Тщательно проверяем партнеров и в списке представлены только те, кто реально платит. Ознакомьтесь с самыми выгодными предложениями банков прямо сейчас.

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Газпромбанк

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Одно из выгодных предложений по кредитной карте Газпромбанк 180 дней без процентов. Комиссия агента составляет 8 550 рублей с продажи. Условия по карте выглядят так.

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Ренессанс

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На втором месте кредитная карта Разумная от Ренессанс кредит - принесет 6000 руб. вознаграждения.

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Условия по карте выглядят так.

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Росбанк

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По кредитке «#120наВСЁ Плюс» от Росбанка можно с каждого активного клиента получать по 5600 руб.

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Условия по карте банка выглядят так.

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Как привлекать клиентов?

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На партнерских программах можно легко зарабатывать через сервис «Пампаду». Как привлекать клиентов для банков, чтобы получать прибыль. Здесь тоже не должно быть проблем, потому что существует масса способов. Выделим ключевые.

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Если вы в поисках основной работы или дополнительного заработка, почему бы вам не стать агентом банка? Необязательно взаимодействовать с финансовой организацией напрямую – можно начать сотрудничать с банком с помощью сервиса Pampadu. Мы подробно расскажем, как стать банковским агентом без рисков и вложений.

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Банковский агент – кто это?

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Агент банка – представитель финансовой организации, который выполняет между банком и клиентом посредническую функцию. Банк предоставляет ему необходимые полномочия, информацию и рекламные материалы, а агент, в свою очередь, доносит до клиента ценность финансовых продуктов банка. Агент занимается сопровождением клиента на всех стадиях процесса – от подготовки документов и составления заявки до оформления сделки.

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Кто может быть агентом?

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Стать агентом банка с помощью сервиса Пампаду может любой – как физическое лицо, так и юридическое, а также индивидуальные предприниматели. С нами сотрудничают кредитные брокеры, страховые посредники с опытом финансовых продаж, риелторские агентства, ломбарды, вебмастера и арбитражные специалисты – зарабатывать с нами сможет каждый. Это вариант как для основного, так и для дополнительного заработка на выгодных условиях, без финансовых рисков.

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Вы сами решаете, какой продукт банка вам рекламировать. Поэтому вы можете выбрать услугу с наиболее выгодной комиссией и начать получать выплаты сразу после регистрации.

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Зарегистрированный партнер может привлекать других пользователей становиться агентами – за каждого привлеченного партнера вы также получите доход.

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Как стать представителем банка на платформе Пампаду?

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Чтобы начать работать на платформе Pampadu, сначала нужно пройти регистрацию на сайте. Она займет всего несколько минут – достаточно ввести свои контактные данные. Далее вам необходимо выбрать интересующий вас финансовый оффер. Его вы будете в дальнейшем предлагать клиентам и рекламировать на своем сайте или каких-либо других площадках.

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Например, можно стать агентом банка по кредитам и оказывать помощь людям в оформлении финансовых займов. Ваша задача – консультировать заказчиков, подбирать для них подходящий финансовый продукт и представлять их интересы по запросу. Все это необходимо, чтобы подвести клиента к финальному шагу – оформлению в банке предложенной вами услуги.

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Можно ли быть мультиагентом?

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Банки всегда заинтересованы в привлечении новых клиентов, поэтому и запускают партнерские программы. Таким образом, они получают за фиксированную стоимость привлечение целевой аудитории. Сотрудничавший с партнером клиент оформляет продукт или совершает иное активное действие по агентской ссылке. Благодаря этому, у каждого партнера есть возможность заработка.

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 Почему бы не использовать все доступные вам инструменты?

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Сотрудничая сразу с несколькими банками, можно зарабатывать еще больше. Вы можете продавать не только финансовые офферы, но и страховки транспортных средств, жизни и недвижимости, а также HR-продукты.

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Со временем банковский или страховой агент обзаводится своей собственной клиентской базой, среди которой ему удобно распространять различные продукты и услуги. К нему также обращаются родственники и знакомые, которые также могут стать постоянными клиентами – например, оформляя через ваше посредничество ежегодную страховку. Став мультиагентом, можно зарабатывать в 2-3 раза больше, чем обычный агент по продажам.

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Почему выгодно работать через сервис партнерских продаж?

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Зарабатывать с помощью сервиса Пампаду удобно по ряду причин:

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Требуется ли взаимодействовать с банком напрямую?

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Если вы зарегистрировались в качестве партнера сервиса Пампаду, то прочих дополнительных действий предпринимать не надо. Не нужно лично посещать банк – стать агентом можно полностью в удаленном формате. После подтверждения вашей учетной записи на сайте pampadu.ru вы сможете выбрать любой из представленных в личном кабинете банков для дальнейшего сотрудничества. Он предоставит вам реферальную ссылку – ссылку на финансовый оффер, в которой будет заложен ваш персональный идентификатор.

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Каким образом агентам начисляется доход?

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После того, как клиент совершит целевое действие, представитель банка или страховой компании получает установленное за него вознаграждение. Чтобы получать максимальную прибыль на партнерских программах, вы можете предварительно выбрать лучшие условия. Вознаграждение начисляется на баланс открытого вами расчетного счета или банковскую карту.

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Сколько может зарабатывать банковский представитель?

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Размер заработка ограничивается только вашими способностями и возможностями в продажах. Чем больше клиентов сможет привлечь представитель банка, тем большее вознаграждение он может получить.

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Привлекать клиентов можно по-разному – например, на собственном сайте, размещая рекламу на популярных финансовых порталах, организовав канал видеотрансляции, ведя собственный блог или группу в социальной сети. Как уже сказано, агентские выплаты зависят от количества заключенных сделок, и могут начисляться после каждой заключенной сделки, еженедельно или ежемесячно – в зависимости от налогового статуса партнера.

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Размер выплаты описан в условиях программы, действующей в банке. Например, за оформление дебетовой карты можно получить около 1500 руб., за взятый клиентом микрозайм – в среднем 2500 руб., за активацию клиентом кредитной карты – примерно 7000 руб. Прибыль от продажи банковского продукта в сервисе Pampadu в среднем составляет 1500 руб., максимальный доход, который можно заработать с одной продажи, достигает 12 тыс. руб. В среднем доход партнера Пампаду составляет 22 тыс. руб. максимальный достигает 824 тыс. руб.

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Как агент взаимодействует со своим клиентом?

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Представитель банка получает вознаграждение, когда клиент выполняет нужное целевое действие. Для этого агент предоставляет ему ссылку, по которой последнему надо перейти для оформления банковской услуги. Использование клиентом полученной ссылки подтверждает для банка факт вашего сотрудничества с ним. Также клиент может предоставить вам свои персональные данные, чтобы вы сами оформили заявку за него – в таком случае агенту также будет начислено вознаграждение.

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Какие финансовые продукты можно распространять?

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Условия конкретных офферов в разных банках отличаются, поэтому рекомендуем их предварительно изучить. К основным из них относятся: кредитные и дебетовые карты, микрозаймы и финансовые кредиты, ипотека, подключение РКО, привлечение бизнес-клиентов.

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Где задают рабочие вопросы?

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Если остались вопросы по функционированию нашего сервиса партнерских продаж, их можно задать в чате поддержки. При этом вы можете выбрать удобную площадку для общения – группу в VK, канал Telegram или получать ответы прямо на сайте. Менеджеры оперативно консультируют наших представителей.

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Любой желающий может начать зарабатывать на офферах МФО. Микрофинансовые компании предлагают заемщикам оформить заем под процент. Чем больше придет клиентов, тем выше будет доход. С целью привлечения клиентов финансовые компании предлагают заработок на партнерских программах. Если заемщик перейдет на сайт по ссылке агента и оформить заем, посредник получит процент. МФО много и у каждой своя партнерская программа. Возникает вопрос, на каких сайтах брать ссылки, где можно выбирать сразу среди нескольких вариантов?

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На практике проще всего работать сразу через сервис «Пампаду». Регистрируетесь, становитесь агентом, выбираете сразу несколько партнерских программ и распространяете по своим каналам.

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Целевая аудитория партнерских программ МФО

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После регистрации на сайте «Пампаду» переходите в раздел «Микрозаймы» и выбирайте партнерские программы компаний, с которыми хотите работать. Копируйте ссылку понравившегося оффера и начинайте рекламировать.

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Но не все так просто. Сначала нужно определиться с целевой аудиторией этого оффера. Посмотрите статистику МФО, заемщики в каком возрасте чаще всего обращаются в компанию? Кто именно и на что оформляет заем? Если ответите хотя бы на эти два вопроса, вам уже будет проще выбрать оффер для распространения.

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Чаще всего в МФО обращаются люди за оформлением займов на сумму до 50-60 тыс. Многие берут деньги до зарплаты, оформляют микрозаймы для покупки подарков и т. д на сумму до 10 тыс. Возраст заемщиков в МФО в пределах 25-45 лет. Но у каждой компании свои правила и статистика.

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После того как определились с целевой аудиторией и с видами финансового оффера, рекламируйте ссылку на сайт компании через свои сети. Это могут быть социальные сети, собственные веб-ресурсы, сторонние сайты, площадки в интернете. Другие виды финансовых офферов, которые позволяют хорошо заработать, рассмотрели ниже. 

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Особенности работы с офферами МФО

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Среди особенностей работы с офферами МФО выделим следующие моменты.

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Но как начать зарабатывать на офферах? Как лить трафик, чтобы партнерки приносили доход? Если рекламировать офферы только через социальные сети или площадки в интернете, распространять через знакомых, то это не даст максимальной отдачи. Вы можете заработать на этом 2-3 раза, но системы не будет.

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Выход из этой ситуации только один — распространяйте рекламу на офферы сразу по нескольким каналам. Например, размещайте в разных социальных сетях, сайтах, покупайте рекламу в Google, покупайте ссылки. Анализируйте и смотрите, где больше всего продаж, чтобы понять, откуда больше лить трафика, на какой канал.

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Какие есть источники трафика для заработка на офферах МФО

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Выделим основные источники трафика для заработка на партнерских программах микрофинансовых компаний.

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Лучшие офферы микрозаймов

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Чтобы проще было понять, что рекламировать, подготовили для вас список компаний, которые представлены на сайте «Пампаду». С помощью списка сможете лить на финансовые офферы трафик и зарабатывать. Если вы уже зарегистрированы на сайте, выбирайте раздел «Финансовые продукты» и открывайте микрозаймы. Перед вами появится целый список партнерских программ с выгодными предложениями. Выбирайте тех партнеров, которые вам понравятся больше всего. Если хотите зарабатывать больше, старайтесь рекламировать сразу несколько организаций.

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Турбозайм

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Турбозайм платит через сервис «Пампаду» 2500 за каждого заемщика, который оформит заем по реферальной ссылке агента. Организация выдает займы по ставке 1% в сутки. Решение принимается в течение нескольких минут и нет никаких скрытых комиссий. Все это можно будет указать в рекламе, когда будете распространять сведения о Турбозайме. Другие условия выдачи денег выглядят так.

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Быстроденьги

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МФО специализируется на выдаче краткосрочных займов на срок до 30 дней. Агентам предлагается вознаграждение — 1800 руб. за каждого клиента. Заем при первом оформлении, если раньше не брали кредит — 0%. Если будете рекламировать эту компанию, сделайте упор на первом займе без прцоентов.

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Условия получения денег такие.

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MoneyMan

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Популярный сайт MoneyMan также предлагает заработать на партнерской программе через сервис «Пампаду». Партнер платит 1560 руб. за каждого привлеченного клиента. Если заемщик оформит кредит по реферальной ссылке, получите вознаграждение.

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Условия получения денег такие. Первые кредит организация выдает без процентов на срок до 15 дней.

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Credit7

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МФО Credit7 платит 1400 рублей за привлеченного заемщика. Чтобы получить деньги, потенциальный клиент должен оформить заем по вашей ссылке и перейти на сайт микрофинансовой организации. В случае успеха, выплата тут же поступит на ваш счет в сервисе «Пампаду». Если заемщик берет повторный заем, то получае ставку 0,72% в сутки.

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Условия для одобрения заявки на сайте Credit7 выглядят так.

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Cash-U Finance

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Одно из выгодных предложений в Cash-U Finance. Если человек перешел на сайт по вашей ссылке и оформил заем, получите 1680 рублей. Процент подтверждения заявок у компании составляет 22%. Вся эта информация есть на сервисе «Пампаду».

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Условия выдачи денег.

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Если вы собираетесь стать кредитным брокером, вам нужно досконально изучить эту нишу, проанализировать партнерские программы. Необходимо научиться анализировать условия кредиторов, а также понадобится организовать поток клиентов. Люди берут кредиты для решения финансовых вопросов, поэтому задача кредитного брокера — подобрать максимально выгодные условия. Если будет предлагать низкие процентные ставки по займам и лояльные условия оформления, увеличите поток посетителей.

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Но как запустить свой бизнес и начать зарабатывать? Рассказали, как с помощью сервиса «Пампаду» увеличить прибыль кредитному брокеру.

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Кто такой кредитный брокер?

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Кредитный брокер — посредник между банком и заемщиком. Задача ипотечного или кредитного брокера в том, чтобы банк получил посетителя, а заемщик оформил кредит под минимальный процент. Брокер подбирает условия, но не дает деньги в долг.

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Специалист также оказывает финансовую поддержку, консультирует, помогает решить проблемы с долгами. Например, брокеры помогают оформить рефинансирование или кредитные каникулы заемщикам, у которых возникли временные финансовые сложности.

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Чем больше банков-партнеров у брокера, тем больше клиентов

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Чтобы стать кредитным брокером в России важно продумать, где будет работать ваш офис. Если помещение расположено в удачном месте, то ежемесячно вас будет около 100 целевых клиентов. Площадь будущего офиса для деятельности кредитного брокера зависит от количества человек — сотрудников компании. Вполне достаточно площади 12–15 м2, если в вашей компании трудится 3 менеджера.

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Но если рассчитываете сразу на 10-12 сотрудников, которые будут консультировать, вам уже потребуется помещение с большей площадью. Не забывайте, что менеджерам и консультантам нужно платить зарплату. Чаще всего доход складывается из базового оклада и плюс 0,5-1% от суммы выданного займа.

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Другие статьи затрат на этапе выглядят так.

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IT-специалиста и бухгалтера можно держать на аутсорсе и приглашать раз в месяц для решения определенных задач. Но чтобы были деньги оплачивать услуги всех помощников, у кредитного брокера должен быть постоянный поток клиентов. Сделать это можно с помощью распространения информация о банках в интернете.

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Чтобы не искать каждый банк по отдельности и не заключать с каждой договор, проще все работать через сервис «Пампаду». Здесь уже собранные основные банки и микрофинансовые компании, страховые организации. Благодаря площадке «Пампаду» кредитные брокеры могут сразу начать зарабатывать и привлекать целевую аудиторию. После регистрации вы сразу станете агентом и сможете расширять свою сеть, добавлять и подписывать под себя новых сотрудников, своих менеджеров. За счет этого прибыль от банков будет постоянно расти.

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Но для получения стабильного дохода кредитному брокеру нужно грамотно оценивать платежеспособность заемщиков, организовать их поток и предлагать самые выгодные компании. Об этом и поговорим ниже.

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Как кредитному брокеру оценивать платежеспособность заемщиков?

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Для этого нужно собирать максимальную информацию у заемщика. Предложите заполнить анкету с вопросами о зарплате, доходе семьи, месячных тратах. Постарайтесь выяснить, хотя бы приблизительно, сколько денег у потенциального клиента остается в конце месяца. Считается, что если человек отдает банку свыше 50%, то он не справится с финансовой нагрузкой.

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В идеале, когда на оплату долгов в банк уходит не более 30% дохода, допускается не более 40-45%. При таком раскладе заемщик справится с финансовыми обязательствами, что и должен учитывать кредитный брокер. Комиссия от суммы сделки зависит от вас, но она должны быть комфортной для клиентов. 

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Анализ кредиторов в регионе работы

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Кредитный брокер не только консультирует своих клиентов, но и предлагает оформить заем в банке под выгодные проценты с минимальной переплатой. Заведите таблицу, куда будете записывать все кредитные компании в городе со своими условиями выдачи денег и ставками. У кредитного брокера должна быть и таблица с требования банков. В таблице можно записывать следующее.

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Благодаря этому обратившемуся клиенту можете сразу предложить выгодный вариант. Например, к вам обратился заемщик с испорченным кредитным рейтингом, а у вас в таблице записано, какие именно компании дают займы с плохим рейтингом. В итоге предложите клиенту сразу несколько возможных вариантов.

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Как организовать поток клиентов?

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Кредитные брокеры привлекают клиентов по разным каналам. Чаще всего используются вывески на улице, реклама в интернете и социальных сетях. Если вы работаете кредитным брокером и хотите увеличить поток клиентов, зарегистрируйтесь на платформе «Пампаду». Сразу после этого вы станете агентом и получите доступ к десяткам популярных финансовых компаний.

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Просто копируйте ссылку той организации, услуги которой собираетесь рекламировать. Предлагайте эти финансовые инструменты своим клиентам. Чем больше людей воспользуются услугами банков, МФО и страховых компаний по вашей реферальной ссылке, тем выше будет доход.

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Для организации и увеличения потока клиентов инвестиционной компании, используйте следующие инструменты.

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Анализируйте и смотрите, откуда больше всего идет клиентов. Но лучше всего экспериментировать и делать ставку сразу в нескольких направлениях. За счет этого увеличите поток клиентов и получите больше прибыль.

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Место для встречи с клиентами

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Для встречи с клиентами не нужно арендовать сразу весь офис. Если вы начинающий кредитный брокер, арендуйте помещение в коворкинге. Или можете консультировать своих клиентов удаленно: через мессенджеры и звонки в скайпе. Даже продвинутые кредитные брокеры иногда отказываются от аренды помещения, чтобы экономить деньги. 

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Но такая стратегия эффективно работает на начальном этапе. Если будет предлагать действительно выгодные решения, люди будут чаще к вам обращаться, поэтому нужно будет снимать офис.

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Регистрация бизнеса и договор кредитного брокера

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Чтобы стать кредитным брокером в России придется регистрироваться в качестве ООО или ИП. Это требуется для заключения договоров с финансовыми компаниями. Вам нужно открыть счет, зарегистрироваться в качестве ИП и платить налог 6% с дохода по упрощенной системе налогообложения. Первых своих клиентов вы можете получить с помощью сервиса «Пампаду». Зарегистрируйтесь и начинайте зарабатывать в качестве кредитного брокера.

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По мере роста вашей компании можно будет преобразовать свою фирму в ООО. Благодаря этому расширите сеть и оптимизируете налоги. Чтобы работать с клиентами обязательно потребуется договор. Соглашение нужно будет передавать клиентам, которое в случае непредвиденных обстоятельств поможет в спорных ситуациях.

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Как вы могли уже попробовать, чтобы перейти на режим быстрых выплат и получать комиссию сразу после продажи полиса, нужно зарегистрироваться через наш сайт и банк-партнера как самозанятый. 11 минут — именно столько в среднем занимает процесс от начала регистрации до получения денег на карту, а при всех последующих выводах уже через 1 минуту деньги у вас.
Мы проверяли :)

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Общаясь с нашими пользователями мы поняли, что у некоторых из вас есть ошибочное понимание того, кто может быть самозанятым и как это работает. Эта неправильная информация, и где-то страхи не позволяют вам перейти на режим быстрых выплат. Этой статьей мы разбиваем мифы и страхи по поводу регистрации в качестве самозанятого.

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P.S. Если вы не знаете что такое статус самозанятого — читайте тут

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В моем регионе не введен налоговый режим для самозанятых

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На данный момент налоговый режим для самозанятых введён во всех регионах страны.

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У меня есть официальная работа

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Вы можете совмещать основную работу с дополнительной профессиональной деятельностью. Например, работать в крупной компании и сдавать в аренду жилье, вязать и продавать шарфы, или как в нашем с вами случае, оказывать услуги страхования/привлечения клиентов. Никто не вправе вам запретить подрабатывать в свободное время.

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п. 8 ч. 2 ст. 6 Закона от 27.11.2018 № 422-ФЗ подтверждает, что можно зарегистрироваться самозанятым, если официально трудоустроен, — прямого запрета трудиться по трудовому договору и быть зарегистрированным в качестве плательщика налога на профессиональный доход не существует.

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Работаю в страховой компании, нельзя от вас получать официальный доход

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Можно!
Во-первых, как писали ранее, вы можете совмещать официальную работу с дополнительным заработком.
Во-вторых, вы будете получать от нас оплату не за страхование, а за привлечение клиентов «Маркетинговые и рекламные услуги», что никак не пересекается с вашей работой в страховой компании и это ваше личное дело.

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Агентская деятельность не подходит для работы самозанятым

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Все верно, агентская деятельность не подходит для регистрации в качестве самозанятого (налог на профессиональный доход), НО мы с вами не ведем агентские взаимоотношения. Оплата как нам от страховых компаний, так и к вам от нас поступает за привлечение клиентов — маркетинг и реклама. Также в публичной оферте тоже прописано, что оплата идет за привлечение клиентов. Поэтому в нашей с вами работе нет агентских взаимоотношений и регистрация в качестве самозанятого подходит.

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Я получаю льготы/пособия/дотации

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Вам можно быть самозанятым! Вы сохраните свои льготы. К примеру, ежемесячные пособия по уходу за ребенком или доплаты пенсионерам.
Единственное, вы перестанете получать пособие по безработице. Все остальные льготы и дотации сохраняются.

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Я пенсионер, мне нельзя быть самозанятым

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Пенсионеры могут одновременно получать пенсию и льготы и быть самозанятым. Это прямо подтверждается на сайте налоговой.
Подтверждение 1
Подтверждение 2

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Перестану работать с вами, нужно будет что-то платить за самозанятого

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Нет, регистрация и нахождение в статусе самозанятого абсолютно бесплатно. Нет обязательных платежей: нет дохода - нет налогов. Ничего не теряете. Поэтому для вас нет никаких расходов, от слова «совсем». Наш банк партнер также оказывает все услуги по выпуску чеков и регистрации дохода бесплатно.

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Ой, там все сложно я запутаюсь в этих налогах и чеках

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А вот и нет! «У страха глаза велики», как говорится в пословице.

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Чеки: все чеки мы формируем самостоятельно при каждом выводе денежных средств. Они появляются на нашем сайте в личном кабинете раздел «Выплаты», а также в приложении «Мой налог». Чек — это подтверждения оказанной услуги, в нашем с вами случае «Маркетинг и реклама». Вам нечего оформлять не нужно.

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Размер налога: самостоятельно ничего считать не нужно. Если только в целях самоконтроля. Суммируя сформированные чеки, налоговая будет знать, какой у вас доход и автоматически посчитает и покажется сколько и когда нужно оплатить (6% от поступлений). Напоминаем мы переводим вам +3% на оплату налога.

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Оплата налога: каждый месяц, до 12 числа, вы будете получать уведомление в смс и приложении из ФНС с суммой налога за предыдущий месяц. То, есть, сумму налога, например, за январь 2022 года, вы узнаете до 12 февраля 2022 года. Зайдя в приложение, кликнув на кнопку «Оплатить» сможете заплатить налог, как оплата через сбербанк онлайн или проще.

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Я госслужащий, не могу воспользоваться быстрыми выплатами

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Данное правило не распространяется на врачей, учителей и других работников госструктур. А только для государственных служащих в области политики (депутатов, чиновников) запрещена предпринимательская деятельность, кроме сдачи квартиры в аренду. НО вы можете перейти на режим быстрых выплат, просто в реквизитах указать данные жены/cестры/брата и за 11 минут зарегистрироваться в качестве самозанятого.

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Стать самозанятым на Пампаду!

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Уважаемые Агенты! Стартует новая акция “Разыгрываем 50 тысяч рублей за ипотечные полисы Альфастрахования”

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Всего будет 28 призовых мест, оформи больше всех полисов ипотечного страхования от компании «Альфастрахование» и выйграй до 5 000 руб.

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Призовые места для агентов:?

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3 победителя - по 5.000 рублей
10 победителей - по 2.000 рублей
15 победителей - по 1.000 рублей

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Подробнее про ипотечное страхование тут

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? Срок проведения акции с 01.10.2022 по 30.10.2022 года. Призовое место получает тот, кто больше всех оформил полисов ипотечного страхования от компании «Альфастрахование».

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Спешите, количество призовых мест ограниченно, выиграть может каждый, оформите хотя-бы 1 полис в октябре и автоматически участвуйте в акции.

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С любовью к своему делу,
команда Пампаду.ру! ?

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Для заработка на арбитраже трафика нужно понять, что это такое. В ходе проведения коммерческой сделки всегда есть покупатель и продавец. И для увеличения дохода от продаж продавцы пользуются услугами третьей стороны — арбитражника. Заработок на арбитраже трафика предполагает привлечение клиентов, которые покупают товар или пользуются услугой продавца.

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Разберемся, что такое арбитраж трафика, как начать с нуля зарабатывать, какие есть нюансы и особенности. По арбитражу трафика ваш доход ограничивается только вашими возможностями.

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Что такое арбитраж трафика?

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Арбитраж трафика - это когда вы покупаете трафик, а затем перепродаете его и зарабатываете на разнице в цене.

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Задача арбитражника заключается в привлечении клиентов. Чем больше будет сделано покупок, тем выше заработок. Деньги за рекламу никто не выделяет, поэтому рассчитывайте на свой бюджет. Но чем больше сделаете продаж, тем выше получится доход. Если вы планируете зарабатывать на арбитраже трафика, воспользуйтесь сервисом «Пампаду».

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На сайте уже собраны десятки финансовых компаний, а также страховые организации, которые готовы платить за каждую удачную сделку. Для начала зарегистрируйтесь и станьте агентом, изучите источники и компании, которые есть в партнерской сети, а после этого настраивайте рекламу и получайте доход.

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Чтобы было понятно, что такое арбитраж трафика, рассмотрим простой пример. Компания «А» планирует увеличить продажи и готова оплатить 2 тыс. руб. с каждого привлеченного клиента. Если арбитражник настроить и запустить рекламу, с которой приведет 10 человек, получит 20 тыс. руб. Это чистая прибыль арбитражника. Но от этой прибыли нужно будет отнять потраченные деньги на рекламу.

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Терминологическая база по арбитражному трафику

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Если вы твердо решили заработать на арбитраже, в первую очередь изучите терминологическую базу. Это основа, которую нужно усвоить сразу, а после этого уже можно переходить на распространение рекламы партнеров. Подробнее остановимся на терминологической базе.

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Почему популярен арбитраж трафика?

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Главная причина популярности арбитража трафика — рекламодатель тратит меньше денег на рекламу. У рекламодателя отпадает необходимость в том, чтобы формировать полноценную кампанию по рекламе. Достаточно пройти регистрацию в партнерской сети и переложить все обязанности по привлечению клиентов на арбитражника. Компании также подключают антифрод Calltouch, чтобы исключить вероятность накрученной статистики.

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На сайте «Пампаду» есть офферы только проверенных финансовых компаний, которые арбитражники могут взять себе на вооружение. Достаточно скопировать ссылку и можно продвигать предложение. Преимущество в том, что вы уже заранее будете знать, сколько получите денег с одного привлеченного клиента. Все эти данные от рекламодателей есть в офферах на сайте «Пампаду».

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Отличие между партнерским маркетингом и арбитражем трафика

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Некоторые думают, что арбитражник и маркетолог — один и тот же человек. Мы уже объяснили простыми словами, что арбитражник — это тот, кто привлекает покупателей и сам настраивает рекламу. У маркетолога схожие функции, но есть и кардинальные различия. Отличия в следующем.

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Арбитражник.

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Маркетолог.

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Особенность арбитражного трафика

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Выяснили, чем арбитражник отличается от маркетолога. Теперь переходим к особенностям. Дело в том, что зарабатывать на арбитраже может каждый, но многое зависит от знаний и умений, опыта. Деньги приходится тратить свои, поэтому если сразу их сольете, не получите прибыль. Еще один момент — время подключения к офферу. Если сделать это слишком поздно или начать рекламировать непопулярную идею, доход не удастся увеличить.

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Чтобы зарабатывать на арбитраже и не было разочарований, обратите внимание на сайт «Пампаду». Здесь представленные финансовые офферы не только банков, но и микрофинансовых компаний. У каждого свои условия и предложения, размер выплат. Вы можете протестировать свои задумки, скопировать ссылку и начать рекламную кампанию бесплатно. Тратить сразу все деньги не имеет смысла, лучше проверить, как можно заработать бесплатно, а уже потом можно вкладывать деньги для увеличения прибыли.

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Ниже поговорим о том, чем занимается арбитражник, сколько денег удастся заработать и самое главное — как это сделать.

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Чем занимается арбитражник?

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Специалист по арбитражному трафику привлекает клиентов. Но каждый делает это своими способами. Лучше всего, когда используется сразу несколько вариантов. Именно за счет этого удается увеличить прибыль и полностью покрыть затраты на рекламу. Арбитражники делают следующее.

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Где публиковать? Здесь уже все зависит от тематики. Если вы хотите начать зарабатывать на финансовых офферах, то лучше всего воспользоваться площадкой «Пампаду».

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Плюс в том, что вам не придется работать с разными рекламодателями, так как все известные финансовые организации собраны в одном месте. Никаких дополнительных договоров тоже нет, потому что вы будете работать в качестве агента «Пампаду»

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Как стать арбитражником?

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Чтобы стать профессионалом, пройдите курсы, почитайте статьи и книги на эту тему. Например, сначала изучите нюансы таргетированой рекламы и контекстной. Узнайте, как это все работает, что нужно сделать, чтобы начать зарабатывать, как привлекать клиентов. Сразу вкладывать свои деньги в рекламу без базовых знаний опасно. Есть вероятность, что сольете весть трафик. Идеально — пройти комплексное обучение, чтобы узнать, как эффективно настраивать рекламу по арбитражному трафику.

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Сколько можно заработать на арбитраже трафика?

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Здесь все зависит не только от партнерских программ, но и вашего опыта. Если с выбором офферов вам поможет сайт «Пампаду», то эффективность проведения рекламной кампании будет зависеть от ваших навыков. 

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На сайте «Пампаду» некоторые успешные агенты спокойно зарабатывают в месяц 160 тыс. руб., о чем мы рассказывали ранее. Перед покупкой трафика лучше всего изучить офферы. Это позволит определить целевую аудиторию, а вы уже получите представление о том, где проводить рекламную кампанию.

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Способы заработка на арбитраже трафика

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Источники трафика для заработка на арбитражном трафике могут быть разные. Но в идеале — начать сотрудничество с партнерской сетью. Именно такие услуги и предлагает сайт «Пампаду». Здесь уже собраны десятки предложений от разных компаний, которые назначают вознаграждение за каждого привлеченного клиента.

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Предположим, вы выбрали для себя направление микрофинансовых услуг. Посмотрите, кто чаще всего пользуется и оформляет микрозаймы, на какие суммы. Всю эту информацию вы получите прямо на сайте «Пампаду». Рекламодатели указывают не только сумму дохода, но и условия выдачи денег. Обладая этими знаниями, вы будете знать, где искать клиентов.

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Где взять трафик для арбитража?

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Чаще всего этот вопрос волнует новичков арбитражников. Но это и понятно, ведь если допустить ошибки и потратить впустую все деньги, доход не получите. Приводим список того, где брать трафик для арбитража.

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Какие ошибки допускают новички?

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Многие хотят сразу получить прибыль на арбитраже трафика, поэтому допускают ошибки. Первые три месяца доходы по арбитражу трафика редко превышают 20 тыс. руб. У многих просто удается отбить затраты на рекламу. Но главная ошибка всех новичков — нет четко выстроенной стратегии. Вам не удастся заработать, если не будет плана, а все деньги потратите только по одному направлению.

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Сначала попробуйте один вариант, например, закажите рекламу на видеохостинге в YouTube, посмотрите, сколько удастся заработать. Часть бюджета на рекламу можно потратить на покупку ссылок на тематических сайтах. Сравните, где доход получился больше, и сделайте правильный вывод.

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Другая ошибка арбитражников — нет регистрации в партнерской сети. Если работать с каждой компанией отдельно, уйдет много времени на поиски. Лучше всего зарегистрироваться на «Пампаду», выбрать из списка понравившиеся компании и после этого уже можно зарабатывать.

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Официальные партнерские программы РКО — это возможность получать вознаграждение до 7 000 рублей за каждый открытый счет.  

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Что такое партнерские программы РКО

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РКО — это услуга расчетно-кассового обслуживания. Она необходима каждому бизнесу, любому предпринимателю от сапожника до владельца строительного гипермаркета. Поэтому привлекать клиентов через партнерские программы РКО просто и прибыльно.   

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У вас одна задача — искать юридических лиц, а также индивидуальных предпринимателей, которым нужны услуги банка. В итоге в выигрыше остаются все. Предприниматель получает качественную услугу, вы — вознаграждение через партнерские программы РКО, а банк нового платежеспособного клиента.  

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Как начать сотрудничать с банком

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Чтобы начать зарабатывать через партнерские программы банков РКО, зарегистрируйтесь в личном кабинете на сайте. Затем перейдите в раздел для тех, кто заинтересован в сотрудничестве и нажмите кнопку «Присоединиться к программе» или другую с подобным названием.

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Вам откроется простая форма, где нужно указать свои данные, а также статус ООО, ИП или физлица. Нажмите кнопку «зарегистрироваться» и уже через 5 минут вам будут доступны все функции для заработка через партнерки РКО. 

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Как работает схема сотрудничества

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Вы находите заинтересованных клиентов, озвучиваете им офферы лучших финансовых учреждений страны и получаете вознаграждение за открытый счет.

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Чтобы ваша партнерская РКО начала приносить деньги, действуйте по этой инструкции:

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  1. Пройдите регистрацию на сайте, где опубликованы предложения о сотрудничестве.
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  1. С помощью подборщика выберите банк и откройте расчетный счет.
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  1. Заполните данные клиента самостоятельно или отправьте ссылку для оформления. 
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  1. Получите законное вознаграждение как только РКО партнерская программа подтвердит целевое действие. 
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С какими банками мы работаем

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Доступные на сайте Pampadu партнерские программы банков РКО — возможность сотрудничать с ведущими финансовыми учреждениями страны и зарабатывать на высокой популярности их услуг.

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Сотрудничаем с ведущими банками страны: 

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Целевая аудитория

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В первую очередь — это работающий бизнес, ООО, ИП или будущие предприниматели, которые собираются запускать свое дело и ищут подходящий банк для открытия счета. Поэтому мы рекламируемся только на такую аудиторию. 

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Где искать клиентов

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Среди друзей, коллег, родственников и знакомых каждого человека есть представители крупных компаний, индивидуальные предприниматели, самозанятые и те, кто только собираются открыть свое дело. Всем им нужен расчетный счет на выгодных условиях. 

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Вам ничего не стоит рассказать о своем предложении в соцсетях или ненавязчиво упомянуть при личной встрече. Главное, не быть слишком напористым. Даже если человек не закажет услугу сейчас, вспомнит о вас в нужный момент. 

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Предложите сотрудничество бухгалтерам, юристам или финансистам, на взаимовыгодных условиях. Клиент стоит того, чтобы поделиться частью вознаграждения. 

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Кроме этого, клиентов можно нужно искать:

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Главное — не заниматься привлечением клиентов ради количества. Заработать получится только в том случае, если привлеченный человек или компания будет реально заинтересован в обслуживании. 

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Лучше один качественный клиент, чем 10 привлеченных человек, которые никогда не воспользуются услугами. Как не совершать таких ошибок, читайте дальше. 

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Как нельзя работать

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И помните — хороший клиент на банковскую услугу реально заинтересован в продукте финансового учреждения. Он заводит деньги на расчетный счет и использует его.

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Преимущества предложения сервиса Pampadu

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Все партнерские программы РКО — это специальное предложение по заработку от Pampadu с выгодными условиями:

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С Pampadu уже работают тысячи партнеров. Но банкам по-прежнему не хватает клиентов и тех, кто будет продавать финансовые продукты. 

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Присоединяйтесь к партнерской сети и мы подробно расскажем секреты заработка продажи банковских услуг!

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Успешных вам продаж!

\n', 'Партнерская программа РКО: что это и как на ней заработать', 'Рассказываем как начать зарабатывать на РКО до 7000 р. за открытый счет! РКО - это расчетный счет для бизнеса, который необходим любому предпринимателю или компании для полноценной деятельность.', 'publish', 'open', 'open', '', 'partnerskaya-programma-rko-i-kak-na-nej-zarabotat', '', '', '2022-10-05 13:43:01', '2022-10-05 13:43:01', '', 0, 'https://pampadu.ru/blog/?p=1804', 0, 'post', '', 0), (1805, 13, '2022-10-05 13:42:13', '2022-10-05 13:42:13', '', 'как работать с рко', '', 'inherit', 'open', 'closed', '', '1030h502-17', '', '', '2022-10-05 13:42:13', '2022-10-05 13:42:13', '', 1804, 'http://pamtest.ru/wp-content/uploads/2022/10/1030h502-2.jpg', 0, 'attachment', 'image/jpeg', 0), (1810, 15, '2022-10-07 09:41:32', '2022-10-07 09:41:32', '\n

Конечная стоимость полиса ОСАГО определяется путем перемножения между собой ряда коэффициентов. Формула утверждена Банком России и ни одна страховая компания не может ее изменить по своему желанию. В расчете ОСАГО учитывается многое: тип транспортного средства, прописка собственника, возраст водителя, его стаж вождения и мощность двигателя ТС. На этом остановимся поподробнее.  

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Что такое коэффициент мощности в ОСАГО?

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Один из семи множителей, произведение которых между собой и определяет цену автогражданки для конкретного страхователя. Применяется только при страховании транспортных средств категории В и ВЕ и напрямую зависит от их мощности, выраженной в лошадиных силах. Именно благодаря этому коэффициенту корректируется тарифы ОСАГО, снижаются или растут для конкретного ТС в зависимости от того, сколько лошадок у него под капотом.

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Формула и примеры расчета

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Многих интересует, как влияет на стоимость ОСАГО КМ коэффициент. Рассмотрим на простом примере. Сделаем расчет на два разных автомобиля для одного и того же владельца. Например Порш, мощностью 320 л.с. и автомобиль Ока - 33 л.с.

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Формула расчета применяется одна и та же, все коэффициенты ОСАГО - территориальный коэффициент, бонус-малус и т.д., абсолютно идентичны. Ведь речь идет об одном и том же человеке. Нашему водителю 38 лет, у него безаварийный стаж вождения в течение 12 лет и живет он в Нижнем Новгороде. Отличаются только автомобили по мощности двигателя. Базовый тариф, для простоты расчета, так же возьмем один и тот же. А теперь посмотрим, сколько стоит для одной и той же территории ОСАГО в том и в другом случае.

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Т = ТБ * КТ * КБМ * КВС * КО * КМ * КС

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 ТБКТКБМКВСКСКОКМИтого
Порш52251,640, 460,94111,65928
Ока52251,640, 460,94110,62223
*расшифровка коэффициентов
ТБ - тариф базовый
КТ - коэффициент территории
КБМ - коэффициент бонус-малус
КВС - коэффициент возраста/стажа
КО - коэффициент ограничения водителей
КО - коэффициент мощности двигателя
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Налицо разница больше чем в два раза. При всех равных при страховании более мощного автомобиля полис подорожал на 60%, а в случае с малосильной “Окой” наоборот получил скидку в 40%.

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Происходит это потому, что по статистике страховщиков, чем мощнее автомобиль, тем чаще он попадает в ДТП и тем сильнее повреждения, которые он причиняет пострадавшим.

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Таблица коэффициента КМ

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Коэффициент мощности определяется на основании технических характеристик транспортного средства. Посмотреть какой КМ будет использоваться при расчете стоимости полиса для вашего авто, можно в таблице:

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№ ппМощность в л.с.КМ
1.        До 500,6
2.        51-701,0
3.        71-1001,1
4.        101-1201,2
5.        121-1501,4
6.        От 1511,6
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Как определить мощность двигателя?

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Самый простой способ - посмотреть в документах на автомобиль. Это может быть Паспорт транспортного средства или Свидетельство о государственной регистрации права собственности на него. В ПТС информация указывается на первой странице, а в свидетельстве может быть как на обратной, так и на лицевой его стороне.

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Иногда мощность ТС указывают в киловаттах, а не в лошадиных силах. В этом случае делают перерасчет и переводят их в нужные величины. Формула очень простая. 1 кВт равен 1, 35962 лошадиной силы.

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Что еще нужно знать о коэффициенте мощности ОСАГО

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Крайне редко встречаются ситуации, когда мощность автомобиля вообще не указана в его документах. В этом случае стоит найти эту информацию через официальный сайт ГИБДД или каталоги производителей. После того, как данные будут получены, лучше внести изменения в ПТС и указать их там. Так будет гораздо проще оформлять ОСАГО в будущем и вам не придется столкнуться с отказом страховой компании в его оформлении из-за того, что мощность авто документально не подтверждена.

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Ответы на частые вопросы по КМ

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Влияет ли мощность двигателя на стоимость ОСАГО?

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Да, безусловно. Чем мощнее автомобиль, тем выше коэффициент мощности, который используется при расчете. Значение КМ находится в диапазоне от 0,6 до 1,6. Соответственно в таком соотношении меняется и стоимость страховки.

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Отменят ли коэффициент мощности при расчете ОСАГО?

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Этот вопрос всерьез обсуждался еще в 2016 году. Тогда заместитель министра финансов РФ, ссылаясь на статистику МВД, заявил, что по данным МВД прямой связи между количеством лошадиных сил и аварийностью автомобиля нет. Поэтому и учитывать мощность ТС при расчете ОСАГО не стоит. К тому же это позволило бы снизить стоимость страховки для авто, мощностью выше 80 л.с. Страховщики, в свою очередь, высказались против, ссылаясь на свои данные. К тому же отмена КМ повлекла бы серьезное увеличение стоимости полиса ОСАГО для маломощных транспортных средств. С тех пор тарифы менялись уже много раз, но этот вопрос остается открытым.

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Стоит отметить, что Минфин продолжает возвращаться к этому вопросу. Соответствующую поправку в закон об ОСАГО, которую он предлагают называют “Скидка для мегаполиса”. Несложно догадаться, что если эта инициатива будет воплощена в жизнь, то в первую очередь выиграют жители крупных городов. Количество автовладельцев, оформляющих на мощные машины ОСАГО в Москве, например, явно выше, чем в российской глубинке.

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Мощность двигателя 150 л.с. Какое значение коэффициента мощности учитывается в этом случае?

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Данная величина попадает в границы 121-150 л.с. (включительно). КМ при этом равен 1,4. Если в документах указано, что мощность двигателя 151 л.с. и выше, то будет расчет производится с максимальным значением коэффициента мощности 1,6.

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Изменился ли КМ в этом году?

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Нет несмотря на то, что новые тарифы на ОСАГО в 2022 году менялись несколько раз. коэффициент мощности остался прежним. Изменения коснулись КБМ, несколько раз менялись базовые тарифы, территориальные коэффициенты и т.д. 

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Как узнать, какие коэффициенты применила страховая компания при определении стоимости ОСАГО?

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В полисе ОСАГО внизу есть таблица, в которой содержится вся информация, начиная от базовой ставки и заканчивая коэффициентом мощности. Это позволяет сделать расчет абсолютно прозрачным.

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Что делать, если в документах на транспортное средство мощность двигателя не указана? 

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С 2020 года в Свидетельстве о регистрации эта строка отсутствует. Как быть в этом случае?

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Что делать, если в ПТС мощность автомобиля указана неправильно?

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Такое иногда случается из-за ошибки, допущенной сотрудником таможни при оформлении документов. Например, из-за путаницы с годом выпуска авто, неверно указал его мощность. В этом случае также есть несколько вариантов:

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Как рассчитать стоимость ОСАГО онлайн, если мощность двигателя указана в киловаттах?

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Практически любой калькулятор ОСАГО делает это автоматически. Если же воспользоваться им нет возможности, перевести одни единицы в другие можно вручную. 1 Квт равен 1,35962 л.с. Для того, чтобы узнать мощность авто в л.с. достаточно просто умножить количество единиц мощности в Квт на это число. Или воспользоваться таблицей:

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кВтл.с.кВтл.с.кВтл.с.кВтл.с.кВтл.с.кВтл.с.кВт
11.363040.795878.8687118.29115156.36143194.43171
22.723142.155980.2288119.65116157.72144195.79172
34.083243.516081.5889121.01117160.44145197.15173
45.443344.876182.9490122.37118160.44146198.50174
56.803446.236284.3091123.73119161.79147199.86175
68.163547.596385.6692125.09120163.15148201.22176
79.523648.956487.0293126.44121164.51149202.58177
810.883750.316588.3894127.80122165.87150203.94178
912.243851.676689.7995129.16123167.23151205.30179
1013.603953.036791.0996130.52124168.59152206.66180
1114.964054.386892.4597131.88125169.95153208.02181
1216.324155.746993.8198133.24126171.31154209.38182
1317.674257.107095.1799134.60127172.67155210.74183
1419.034358.467196.53100135.96128174.03156212.10184
1520.394459.827297.89101137.32129175.39157213.46185
1621.754561.187399.25102138.68130176.75158214.82186
1723.94662.5474100.61103140.04131178.9159216.18187
1824.474763.9075101.97104141.40132179.42160217.54188
1925.834865.2676103.33105142.76133180.83161218.90189
2027.194966.6278106.05106144.12134182.19162220.26190
2128.555067.9879107.41107145.48135183.55163221.62191
2229.915169.3480108.77108146.84136184.91164222.98192
2331.275270.7081110.13109148.20137186.27165224.34193
2432.635372.0682111.49110149.56138187.63166225.70194
2533.995473.4283112.85111150.92139188.99167227.06195
2635.355574.7884114.21112152.28140190.35168228.42196
2736.715676.1485115.57113153.64141191.71169229.78197
2838.075777.5086116.93114155.00142193.07170231.14198
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Альфа-банк — крупный банк в РФ, который входит в десятку лучших кредитно-финансовых компаний страны. Ежегодно компании достаются высокие рейтинги согласном международным независимым исследованиям. Альфа-банк зарабатывает сам, и дает возможность получать прибыль другим. Внештатные сотрудники привлекают клиентов для банка, поэтому за каждое такое целевое действие организация выплачивает своим партнерам вознаграждение. Вы знали, что каждый может стать внештатным сотрудником Альфа-банка и начать зарабатывать?

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Рассказали, как получать стабильный доход от сотрудничества с банком, сколько на этом можно заработать.

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Офферы партнерки Альфа Банка

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Практически все финансовые CPA-сети предлагают офферы от Альфа-Банка. Одно из выгодных предложений вы найдете на платформе «Пампаду». После простой и понятной процедуры регистрации станете агентом и сможете зарабатывать.

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В главном меню выберите пункт «Финансовые продукты». Перед вами появится окно с несколькими разделами: дебетовые и кредитные карты, микрозаймы и кредиты наличными. Выберите кредитные или дебетовые карты, а затем из появившегося списка укажите — Альфа-Банк.

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Или нажмите на пункт — «Кредиты наличными». Из предложенного списка найдите Альфа Банк, который предлагает заемщикам ставку от 4,5%. С каждого заключенного договора банк готов платить партнерам по 7 тыс. руб. 

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Чтобы начать зарабатывать на партнерке Альфа-Банка, скопируйте ссылку и распространите по своим каналам. С каждого оформленного кредита по ссылке получите 7 тыс. руб. Подробнее рассмотрим, что нужно сделать, чтобы стать партнером банка.

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Как подключиться к партнерке?

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Партнерская программа Альфа Банка пользуется популярностью, потому что финансовая компания стабильно выплачивает вознаграждение. Если вы хотите присоединиться к команде внештатных сотрудников для получения дополнительного дохода, зарегистрируйтесь в качестве партнера. Сделать это можно тремя способами.

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Преимущество сервиса «Пампаду» в том, что вам не придется никуда ходить. После регистрации на сайте вы становитесь агентом, сможете распространять ссылки от Альфа Банка и получать вознаграждение в личном кабинете сервиса. Здесь вы найдете предложения от других финансовых компаний, что позволит увеличить прибыль. Чтобы зарабатывать на привлечении клиентов больше денег, читайте статью: «Как стать банковским агентом и получать до 160 тысяч рублей в месяц».

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Разрешенные виды трафика и условия

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Alfa Bank разрешает партнерам привлекать клиентов из России. Это значит, что ваша рекламная кампания должна быть направлена на определенную целевую аудиторию. Но есть и другие условия, о которых должен знать партнер Альфа-Банка.

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Для привлечения пользователей разрешается использовать рекламу в поисковых системах: Google, Яндекс, Begun, а также в социальных сетях. Разрешается публиковать данные в пабликах и группах, YouTube;. Если рекламирует кредитные карты от Альфа-Банка, то можете пользоваться дорвеями и тизерными сетями.

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Вознаграждение для партнеров Альфа-Банка

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Если вы не хотите самостоятельно заключать партнерские соглашения напрямую с банком, работайте с платформой «Пампаду». Это действительно удобно и гораздо проще по сравнению с другими вариантами. Выше мы уже сказали, что за каждый одобренный кредит вы получите 7000 рублей. Кредитная Альфа-карта 365 дней без процентов предполагает вознаграждение в 2900 рублей.

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Проще всего продвигать дебетовые продукты, но и размер выплат здесь будет меньше. В партнерской сети «Пампаду» вы найдете сразу пять дебетовых карт. Сумма выплат отличается и колеблется в районе от 1200 до 1750 рублей.

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Условия партнерской программы Альфа Банк

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Стать партнером Альфа-Банка могут юридические и физические лица. Даже если у вас нет ИП, вы все равно можете заниматься распространять сведения по партнерской ссылке «Пампаду» и зарабатывать на этом. Вне зависимости от того, есть или нет представительство банка рядом с вами, вы может стать агентом Альфа-Банка. Для этого зарегистрируйтесь на платформе «Пампаду» в качестве юридического или физического лица. Заполните анкету и сразу же получите доступ к партнеркам Альфа Банка.

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Партнерская программа Альфа Банк для юридических лиц

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Для тех, кто собирается работать партнером Альфа Банка в качестве юридического лица, заполните анкету на сайте «Пампаду». Выплату сможет получать не только на карту, но и расчетный счет, а также электронные кошельки. Для заработка на партнерской программе Альфа-Банка вам также нужно будет выбрать финансовый продукт: дебетовая или кредитная карта, кредит.

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Советуем перед началом запуска рекламной кампании и распространения информации о продукте, внимательно изучить все преимущества. Делайте ставку на плюсы, чтобы привлечь больше потенциальных клиентов. За счет этого сможет увеличить доход. С каждого целевого действия вы будете получать вознаграждение, размер которого доступен в личном кабинете «Пампаду».

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Партнерская программа Альфа Банка для физических лиц

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Физические лица смогут получать выплаты на электронный счет или карту. Выберите в личном кабинете счет, куда хотели бы получать вознаграждение. Советуем также уделить внимание выбору финансового продукта, чтобы точно знать и составить портрет своей целевой аудитории. Благодаря этому сможете повысить свой доход.

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Физические лица могут создавать свои сети на платформе. Если вы привлечете людей, которые войдут в вашу сеть, то сможете дополнительно заработать. В итоге будете получать доход не только с распространения партнерских ссылок Альфа Банка, но и привлеченных клиентов в свою сеть.

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Сколько можно заработать на партнерке Альфа Банка?

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Ваш заработок на партнерской программе Альфа-Банка будет зависеть от того, как вы настроили рекламу. Опытные арбитражники пользуются сразу несколькими каналами, тестируют, а потом работают с лучшими вариантами. Выбор канала распространения зависит от целевой аудитории.

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Услугами Альфа-Банка чаще всего пользуются работающие люди в возрасте от 24 до 40 лет, в большинстве — мужчины. Ваша реклама должна быть направлена именно на эту аудиторию. Самые большие выплаты у Альфа Банка предусмотрены за выдачу кредита, но это не значит, что это должна быть ваша единственная партнерка. Для увеличения дохода пользуйтесь сразу несколькими продуктами.

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Например, рекламируйте дебетовые карты, кредиты по своим каналам. Создайте лендинг или купите рекламу у популярного блогера, который ведет свой канал на финансовую тематику.

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В среднем, в месяц удается получить 3-4 целевых клиента по кредитам и продать 7-8 карт. Но все будет зависеть от трафика, который льете на партнерскую программу. Если это ваш дополнительный доход, то с помощью правильного подхода удастся дополнительно заработать 20-30 тыс. руб. в месяц. Продвинутые пользователи, которые уже создали свою сеть, получают в несколько раз больше.

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Наши агенты растут вместе с нами: за сентябрь было оформлено 58 полисов КАСКО, по ним получено 445 тысяч КВ - это на 75 тысяч больше, чем в сентябре, и на 181 тысячу больше, чем в августе! Рассказываем подробнее:

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Профи доверяют Пампаду

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Спешим поделиться успехом одним из наших агентов, который неделю назад оформил полис КАСКО и уже в четверг получит КВ в размере 47 943 руб. Агент постоянно была на связи с менеджером расчета, чтобы не упустить клиента. Наши менеджеры - профессионалы, но и агенты знают свое дело! Клиенту в срочном порядку потребовался дополнительный осмотр авто в выходной день, и агенту удалось его организовать. Елена самостоятельно привезла и отвезла эксперта, за счет чего закрыла сделку качественно и в срок. Желаем всем повторить этот успех!

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Когда вы обращаетесь на Пампаду, вы знаете, что вас не бросят.

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Другой случай, когда агент обратился за помощью в оформлении и заработал 30 тыс. рублей: в выбранной клиентом СК вышла накладка у экспертов, агенту с менеджером пришлось весь вечер \"дежурить\"  по этой заявке: согласовывать, чтобы направили другого эксперта, успокаивать клиента и следить, чтобы новый эксперт приехал в назначенное время по назначенному адресу. В итоге, смогли выпустить полис за 178 тыс. руб. И клиент и агент остались довольны, что их не бросили, а помогли решить вопросы и благополучно застраховать.

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Наши менеджеры заинтересованы, чтобы вы получили КВ

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Клиент очень настаивал на пролонгации в своей СК. При этом агент в данной ситуации почти не получил бы КВ. Менеджер сделала перерасчет в СК Согаз, на условиях намного лучше, чем пролонгация у клиента. Проконсультировала агента, чтоб он смог преподнести все плюсы по данному предложению. Агент справился и полис был успешно оформлен, все в выигрыше. 

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Не знаете всех тонкостей продукта? Нет времени вести клиента? Только начинаете разбираться в оформлении КАСКО? Поможем!

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Наш новый функционал - возьмем ведение заявки на себя за 4% от КВ. Если у вас есть клиент, которому необходимо КАСКО, но вы не можете/не хотите заниматься оформлением, вы можете переложить процедуру на нашего менеджера. Оставьте заявку на свое имя и свой номер, сообщите детали менеджеру. Не забудьте сообщить клиенту, что с ним свяжутся для оформления полиса - это важно, так как иногда агенты забывают предупреждать, и клиент отказывается от сотрудничества. Вы также получите КВ за такой полис, но за вычетом 4% за оформление. Пользоваться ли услугой - решать вам. Успешных продаж!

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Итоги сентября в цифрах

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Что рассчитываем

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Обработано много заявок по частным домам и титульному страхованию. Помогли застраховать квартиры в старых домах, с опасными профессиями или возрастными заемщиками, ипотекой в редком банке или с суммой остатка, превышающей допустимый для онлайн-страхования лимит. 

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Если вы также сталкиваетесь с ситуацией, когда онлайн ни одна компания не дает расчет, просто оставьте заявку на помощь в оформлении! Наши менеджеры оперативно рассчитают и помогут подобрать оптимальный вариант страхования.

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Необходимые документы

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В офлайн, как правило, переходит все, что не удалось провести в онлайне. Это заведомо рисковый для компаний портфель. Поэтому без предоставленного пакета документов детальные расчеты и согласования менеджеры просто не производят (см. перечень документов в разделе помощи).

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Возможность снизить стоимость полиса:
1. Страховщики заинтересованы в ипотечных клиентах и готовы идти на значительное снижение стоимости, чтобы клиент остался в компании и застраховался напрямую. Если клиент пришел к вам с конкурирующим предложением, покажите его менеджеру Пампаду, возможно СК согласует скидку.
2. Второй вариант - согласование скидки за счет снижения комиссии агента. Мы выходим на агентов, если в заявке оставляли контакт клиента, и пытаемся согласовать скидку. Соглашаются не все и теряют не только пониженную комиссию, но и клиента. Поэтому не стоит бояться делиться частью вознаграждения, ведь клиент останется с вами и уже на будущий год пролонгировать ему страховку будете вы.

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Способ повысить продажи

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Оставляйте телефон клиента: по статистике, заявки с телефонами клиентов имеют большую конверсию в продажу. Это связано с тем, что менеджеры умеют грамотно обрабатывать возражения и показывать преимущества конкретного полиса, а также возрастает скорость коммуникации по заявке. При этом выбор, конечно же, остается за вами. Если оставляете телефон клиента, пожалуйста, не забывайте предупреждать его об этом.

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Преимущества офлайн-страхования через Пампаду

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Остались вопросы? Подробности в статьях:
Офлайн-страхование ипотеки с помощью менеджеров Пампаду: как это происходит
Ответы на частые вопросы по офлайн-страхованию ипотеки

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Что такое предложения HR? С их помощью можно нанимать персонал, а рекламодатель выплачивает вознаграждение за каждого целевого клиента. Если вы занимаетесь арбитражем трафика на HR, то с помощью СPA-сетей сможете заработать. За каждого привлеченного сотрудника получите выплату. Возникает вопрос, где зарегистрироваться, чтобы получить доступ к подбору персонала? Такую возможность предоставляет сервис «Пампаду», где с помощью HR офферов можно заработать.

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Выделим особенности, плюсы и минусы партнерских программ по подбору персонала, расскажем откуда брать трафик для HR.

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Что предлагают HR офферы?

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Это предложения ведущих компаний, которые не хотят терять время на поиск сотрудников. Например, работа в Яндекс. Такси или Яндекс. Еда, работа в Тинькофф или курьер в Burger King. В разные компании требуются грузчики, водители, продавцы, таксисты, работники банковской сферы. Крупным компаниям проще переложить обязанности по поиску работников на арбитражников, чем тратить время и самим заниматься подбором сотрудников. 

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Сервис «Пампаду» предлагает каталог офферов HR, где на разные предприятия требуются работники. За каждого привлеченного работника будете получать вознаграждение. Достаточно выбрать предложение понравившейся компании, скопировать ссылку и рекламировать на своих площадках. Если нет желания тратить время на покупку трафика, опубликуйте объявление на порталах по поиску работы бесплатно и посмотрите, какой будет результат. 

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Особенности HR офферов

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Ведущие компании РФ и стран СНГ используют партнерские программы, чтобы находить квалифицированные кадры. Арбитражники быстро распространяют информацию и находят работников разных сфер. HR офферы публикуют в социальных сетях, создают и раскручивают собственные сайты, привлекают разными способами. Чем больше будет охват, тем выше получится количество откликов на вакансию.

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\"\"
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Для получения выплаты нужно сделать так, чтобы сотрудник перешел по ссылке и устроился на работу, заполнил анкету или совершил иное целевое действие. В компании «Пампаду» сразу после регистрации в основном меню есть вкладка — «Подбор персонала», где можно выбрать HR и распространять информацию по вакансиям следующих компаний.

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В основном меню есть подробная информация о вакансии, включая зарплату, режим работы и требования. Все эти данные арбитражник может указать на своем сайте или распространять по иным каналам с целью привлечения клиентов. За каждого привлеченного работника предусмотрена оплата. Перед выбором HR предложения учитывайте следующие особенности.

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Целевые действия

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За что платят рекламодатели? Если работаете с HR, знайте, что выплату можно получить только за целевое действие. Чаще всего рекламодатели платят за привлечение сотрудников, которые заполняют анкеты и устраиваются на работу. Сервис «Пампаду» предлагает максимально высокие процентные выплаты по партнерским программам.

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Например, если найдете курьера для Яндекс. Еда, получите 9240 руб. По 3500 платит компания Burger King за привлечение повара-кассира и курьера. Партнерские программы по поиску работы предлагают различные комиссии, поэтому арбитражник сможет выбрать подходящее решение, чтобы начать лить трафик.

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Но что такое целевое действие, за которое рекламодатель делает выплаты? Возможно следующие варианты.

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Плюсы и минусы

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Перед тем как начать лить трафик для привлечения соискателей по партнерской программе, рассмотрим плюсы и минусы HR предложений. Для начала выделим плюсы.

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Но у офферов HR есть и минусы.

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Откуда лить трафик?

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Как вы уже поняли, все офферы в одном месте собраны на сайте «Пампаду». Но возникает вопрос, где брать трафик, чтобы искать персонал. Проще всего составлять и публиковать объявления на таких ресурсах, как «Авито» и HH. Это доступный и бесплатный способ по привлечению персонала. Другие варианты, где можно взять трафик.

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Джоб оффер хорошо заходит на специализированных площадках по подбору персонала, поэтому лучше всего купить выделения и вывести рекламу в топ. За счет этого получите больше просмотров и целевых клиентов.

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Как обстоят дела с рынком HR офферов в РФ?

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Некоторые уверены, что пользоваться офферами HR — бесполезное и неблагодарное занятие из-за низкой конверсии. Но это не так, потому что крупные компании всегда нуждаются в новых сотрудников и количество соискателей меньше не становится. Проще всего найти сайт, с помощью которого можно добывать целевой трафик и получать выплаты. Например, доски объявлений с публикацией вакансий.

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Здесь даже не придется платить деньги. Для начала протестируйте эту возможность, создайте несколько объявлений и посмотрите, какой будет результат. В лидирующих позициях находятся предложения Яндекс, где за привлеченного пользователя платят 9240 руб. Предложения других предприятий тоже не отстают, поэтому для увеличения прибыли лучше всего рекламировать сразу несколько вариантов. 

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Кем представлен рынок офферов по найму в России?

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Рынок офферов постепенно пополняется. По состоянию на IV квартал 2022 года основная масса предложений исходит именно от Яндекс и Burger King. Но количество компаний, которые ищут сотрудников таким способом, растет. Именно по этой причине сервис «Пампаду» предлагает арбитражникам еще один выгодный способ заработка. От этой возможности вас отделяет всего один шаг — регистрация на сайте. После этого станете партнером, скопируете партнерскую ссылку и можете начинать лить трафик.

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Если Яндекс готов платить за привлечение таксиста 2100 рублей, то Тинькофф предлагает выплаты в размере 1300 рублей за банковского сотрудника. Не стоит сбрасывать со счетов эти офферы в сервисе «Пампаду» только по той причине, что у них самый низкий процент вознаграждения.

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Количество водителей Яндекс растет ежедневно, потому что многие берут подработку после работы, а для кого-то это становится основным заработком. Арбитражник ничего не потеряет, если публикует объявление о поиске нового водителя в Яндекс. Такси. Аналогичная ситуация состоит и с Тинькофф. Банк всегда находится в поиске новых представителей финансовой компании. Если правильно начнете лить трафик, опубликуете объявления по вакансиям на нужных ресурсах, то ежедневно сможете получать не менее двух целевых действий.

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Страховых агентов очень часто не воспринимают всерьез. А напрасно. Страхование может стать очень серьезным бизнесом для тех, кто всерьез решил развиваться в этой сфере. Причем, в отличие от многих других направлений, начинающий бизнесмен здесь не рискует прогореть, так как своими деньгами он не рискует. Да и больших вложений для того, чтобы сделать первые шаги на страховом рынке, также не требуется. Разбираемся, что нужно знать для того, чтобы в этой сфере построить свой бизнес, как открыть страховое агентство и начать получать доход в кратчайшие сроки.

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Как запустить свой страховой бизнес

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Стартовать можно по-разному. Первый вариант - арендуете помещение, покупаете мебель и оргтехнику, нанимаете помощника и вот офис готов принять клиентов. Этот способ хорош для тех, у кого есть начальный капитал, хотя бы небольшой опыт работы и своя клиентская база. Второй - менее затратный - стать страховым агентом. Это довольно просто и требует минимум затрат. Заключаете агентский договор со страховой компанией или регистрируетесь на какой-нибудь из онлайн-платформ, например в личном кабинете страхового агента на Пампаду. Неважно с чего вы начнете, важно то, к чему вы стремитесь. Одним из факторов, влияющих на развитие вашего дела, будет то, насколько вы компетентны в этой сфере.

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Понятия, связанные со страховым бизнесом

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Страховой бизнес для агента или брокера — это посредническая деятельность между страховщиками и страхователями, направленная на удовлетворение обеих сторон. Одни зарабатывают деньги, вторые получают качественный товар. Он довольно специфичен и характеризуется рядом особенностей:

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Виды страхования

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Существует более ста правил страхования, каждые из них индивидуальны по своему. Но в целом все их можно разделить на три большие группы.

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Личное страхование

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Страхование физических лиц, индивидуальное и коллективное. От всего, что угрожает их жизни или здоровью: болезнь, травма, несчастный случай, смерть. Различают два вида договоров:

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Бывает добровольным, условно-обязательном (заемщики банков и т. д. ) и обязательным (спортсмены, сотрудники охранных предприятий и т. д. ). Возможны индивидуальные полисы и коллективные договора

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.

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Кроме этого, в настоящее время широкое распространение получили долгосрочные программы накопительные или пенсионные программы. Эти договора, как правило заключаются на срок не менее пяти лет и уплата взносов по ним обычно осуществляется по графику платежей, который составляется при оформлении договора.

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Имущественное страхование

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Страхование имущества физических и юридических лиц, как движимого, так и недвижимого, грузов и т. д. Стандартный пакет рисков защищает его от порчи или полной гибели в результате пожара, воздействия поды, природных явлений и т. д. Очень востребовано заемщиками банков в отношении залогового имущества.

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При заключении договора с каким-либо предприятием стандартный пакет рисков можно расширить, включив в него, например, защиту механизмов от поломок и финансовых рисков: убытков от перерывов в предпринимательской деятельности из-за страхового случая.

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Страхование ответственности

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Также делится на несколько подгрупп: гражданская, профессиональная и ответственность за качество товаров и услуг. Принцип действия всех договоров один и тот же: покрывается ущерб, причиненный третьим лицам по вине страхователя в результате осуществления им какой-либо деятельности, производстве товаров или оказании услуг.

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Так же есть добровольные, обязательные и условно-обязательные виды договоров. Классический пример - хорошо знакомое всем ОСАГО. При страховании малого и среднего бизнеса в последнее время востребовано страхование ответственности за качество услуг или выпускаемых ими товаров.

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Типы страховых организаций: какой бизнес реально открыть

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Страховой бизнес в России продолжает расти. Поэтому и число желающих развиваться в этом направлении тоже достаточно. Многие сталкиваются с одними и теми же вопросами: “В качестве кого лучше начинать работать? ”, “Чем отличается страховой брокер от агента? ” и т. д. Постараемся ответить хотя бы на некоторые из них.

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Сначала определитесь в качестве кого вы будете создавать свое предприятие. Есть три варианта:

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Компания

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Именно она заключает договор со страхователем и собирает на своих счетах большую часть уплаченных за него денег. Страховой бизнес страховой компании включает в себя все, от оценки рисков и разработки страховых продуктов до урегулирования убытков по заключенным договорам. В тоже время она несет основные расходы: выплата возмещения ущерба, содержание штата сотрудников от рядовых менеджеров-продавцов до андеррайтеров, службы безопасности и т. д., Кроме этого, для того чтобы получить право функционировать на страховом рынке, организации нужна лицензия, подтверждающая ее соответствие жестким требованиям, установленным Центробанком. Например, уставный капитал Страховщика зависит от, в каком направлении он планирует свою деятельность и в настоящее время он равен:

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Суммы впечатляют. Поэтому сейчас на этом рынке много компаний, созданных банками, например “Сбербанк Страхование”. Кроме солидной финансовой подушки безопасности они получают от “родственного” банка и поток потенциальных страхователей.

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В итоге даже это требование становится барьером для многих из тех, кто хотел бы открыть свою страховую компанию с нуля. В принципе это логично, организация, не имеющая достаточной финансовой надежности, может прекратить свою деятельность в любой момент, не выполнив своих обязательств.

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Брокер

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Еще один игрок страхового рынка. Ведет брокерскую деятельность от своего имени, но при этом представляет интересы заказчика. Работать может только в качестве юридического лица. Брокер сотрудничает с несколькими страховыми фирмами и благодаря этому подбирает оптимальные условия для своих партнеров. Для того, чтобы стать страховым брокером необходимо получить лицензию Банка России и выполнить ряд требований, которые установлены законодательством. Одно из них гарантия исполнения обязательств в виде банковской гарантии на сумму не менее трех миллионов рублей, или резервирование на счету организации собственных средств в том же размере. Как видите для этого тоже нужен солидный стартовый капитал.

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С клиентом брокер сотрудничает на основании договора, в котором четко указаны его обязанности: “Экспертная оценка рисков, консультации по страховым спорам, помощь в выборе компании и т. д. ” Прибыль он получает не от страховой компании, а от страхователя в виде оплаты за предоставленные ему согласно договора услуги.

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Сейчас многие агенты работают по аналогии со страховыми брокерами. Но, в отличие от них, доход агента составляет комиссия по оформленным полисам.

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Как устроена работа страхового агента

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Самый простой вариант начать зарабатывать и строить карьеру в этой сфере - стать агентом. Это позволит без лишних затрат войти в профессию, набраться опыта и убедиться, стоит ли вам развивать свой бизнес в страховании.

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Лицензия для этого не нужна, трудиться можно как в качестве физического лица, так и юридического (ИП или ООО), а благодаря современным технологиям заниматься оформлением полисов, можно не выходя из дома. Из чего складывается трудовая деятельность агента , которая приносит ему доход? Коротко можно представить это так:

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Но это далеко не все. Несмотря на то, что этот рынок стабильно растет, конкуренция на нем очень высока. Особенно остро этот вопрос стоит именно для агентов. Они не являются штатными сотрудниками страховых компаний, соответственно и репутацию нарабатывают себе сами. Поэтому к ранее перечисленным обязанностям страхового агента можно добавить еще несколько, в т. ч. постоянное изучение новых страховых продуктов, правил страхования и т. д. Не стоит останавливаться на автогражданке и ипотеке, чем больше вы знаете - тем больше сможете предложить. Тем проще будет убедить его в преимуществе вашего предложения перед тем, что предлагают конкуренты.

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Из чего складывается доход страхового агента

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Основной источник заработка - комиссионное вознаграждение за оформленные договора. Чем больше сумма сборов, тем выше доход. Кроме этого большинство агентов, специализирующиеся на автостраховании, зарабатывают на дополнительных услугах:

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Некоторые страховщики предлагают наиболее успешным агентам статус “Генерального агента” и в этом случае устанавливаются индивидуальные условия комиссионного вознаграждения, оплата за работу с агентской сетью, социальный пакет - медицинская страховка, льготы по страхованию транспорта и имущества и т. д.

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При этом вы являетесь агентом, но выполняете часть обязанностей штатного сотрудника компании и сотрудничаете только с этим страховщиком.

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Агентство

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Построить бизнес на страховании все же реально и без больших начальных затрат. Небольшой офис, пара-тройка человек в штате, хорошая реклама и страховое агентство готово к работе. Организация с офисом и вывеской воспринимается лучше, чем агент-одиночка, к тому же и продвигать свои услуги в этом случае гораздо проще.

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Рентабельность страхового агентства

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Бизнес-идея у вас есть, осталось составить и реализовать план действий. Любое предприятие должно приносить прибыль, поэтому прежде, чем открывать офис продаж, нужно проанализировать, насколько это для вас выгодно и располагаете ли вы средствами для начальных вложений.

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Страховое агентство может начать приносить прибыль через 2-3 месяца. Но для этого нужно очень основательно все продумать, выбрать место для офиса, дать хорошую рекламу и очень активно работать над его продвижением. Искать новых клиентов, интенсивно работать с теми, кто уже пользуется вашими услугами: просить рекомендаций, осуществлять холодные звонки, перекрестные продажи и т. д.

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Если у вас достаточно знаний и опыта, стоит подумать о работе с юридическими лицами. Крупные предприятия заинтересовать вряд ли удастся, но страхование малого бизнеса вам вполне по плечу. Грамотно застраховать предприятие иногда нелегкая задача, но и заработок с таких проектов гораздо серьезнее, чем от автогражданки. Для бизнеса страхование бизнеса один из элементов риск-менеджмента, причем специфичными для большинства предпринимателей малоизвестным. Поэтому рынок в этом направлении только формируется и, соответственно, есть возможность занять здесь свою нишу. Но для этого, как минимум, нужно свободно ориентироваться в том, какие именно страховые продукты будут полезны тому или иному предприятию.

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После того, как первичный анализ проведен, стоит приступить к разработке плана развития вашей организации. Безусловно, дорожная карта вашего агентства будет не такой глобальной и сложной, как бизнес-план страховой компании, но без системного подхода добиться желаемых результатов будет гораздо сложнее. Поэтому даже если вы открываете агентство, а не страховую компанию, бизнес-план необходим.

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Маркетинг и продвижение страхового агентства

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Маркетинговый раздел - неотъемлемая часть стратегии развития любой организацию. Бизнес страховой отрасли не исключение.

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Страховой маркетинг — это система действий, направленная на увеличение прибыли вашей организации, ее продвижение на рынке и удовлетворение спроса потребителей. 

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Клиентам это позволяет снизить затраты и получить качественный продукт, вам - заработать деньги и репутацию. Именно системный подход позволяет добиться хороших результатов в кратчайшие сроки. В целом этот процесс условно состоит из двух частей:

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Товарный маркетинг - с одной стороны - обеспечивает рост доходов агентства за счет увеличения прибыли от продажи страховых продуктов. Происходит это благодаря изучению и анализу внешних факторов: наиболее востребованные виды страхования, размер комиссионного вознаграждения, конкурентные преимущества однотипных страховых продуктов у разных компаний, запрос потребителей и т. д. И последующей корректировки деятельности агентства.

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Организационный маркетинг - повышение рентабельности самого агентства за счет снижения затрат и повышения эффективности его деятельности, улучшения внутренней структуры и взаимоотношений со страховщиками, использования новых формы рекламы и т. д.

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При этом обе этих составляющих в совокупности выполняют несколько функций:

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Проще говоря одно из них направлено на то, чтобы больше зарабатывать , второе - меньше и рациональнее тратить. Фактически это две составляющие одного процесса, направленного на обеспечение роста прибыли страхового агентства. Они непрерывны и требуют постоянного “внимания”. Но на самотек ситуацию пускать нельзя. Как и любой другой бизнес страховой бизнес требует серьезной и кропотливой работы..

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Риски бизнеса

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О преимуществах работы в страховании говорят много: свободный график, возможность работать практически везде и дома, и на прогулке, высокий уровень дохода. Не раз приходилось слышать от клиентов:”Вы здесь деньги лопатой гребете” Но почему же в таком случае делающих взять лопату и присоединиться не так уж и много. Скажу больше, одному такому крикуну я предложила свою, вытащив ее из багажника машины. Идея ему не понравилась, от подарка отказался, хотя страхуется у меня до сих пор. Несложно догадаться, чем вызвана такая реакция. У каждой медали две стороны и свои недостатки здесь тоже есть.

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Заключение

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Если вы твердо решили развивать бизнес на страховании, это вполне достижимо. Анализируйте свои возможности, определяйтесь в качестве кого вы себя видите на этом рынке, выбирайте проверенных партнеров и не хватайтесь за сомнительные предложения.

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Начать можно прямо здесь - в личном кабинете страхового агента на Пампаду. Переходим по ссылке, регистрируемся и работаем. Возможно этот маленький шаг станет началом большого пути!

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Кто-то мог подумать, что высокие ставки, это единственное из-за чего агенты и риэлторы выбирают оформление ипотечных страховок через Пампаду. Это не так и давайте разберемся подробней о всех плюсах работы с платформой.

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Мы даем возможность застраховать в онлайне практически по любому региону РФ, в удобное время(24/7) и независимо от месторасположения агента или конечного пользователя(из любой точки мира).

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Наш предварительный расчет показывает максимально точную(конечную) цену для пользователя, которая не отличается от стоимости при получении ссылки на оплату. Скорость работы предварительного расчета выше, чем у конкурирующих платформ и не превышает 3 секунды. Помимо этого у нас быстрый ответ на полном расчете, время по которому не превышает 1 минуты.

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Встроенные фильтры на предварительном расчете помогут вам оставить только те СК, по которым вы сможете наверняка получить ссылку на оплату. 

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Система встроенных подсказок и валидаций на полном расчете поможет вам наверняка не ошибиться в выборе того или иного продукта.

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Еще одно преимущество заключается в том, что мы cтрахуем всевозможные типы полисов(жизнь, имущество, жизнь+имущество, имущество+титул) в 30-ти самых популярных банках РФ и по 6-ти самым востребованным страховым компаниям.

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Если вам не удается застраховать онлайн, есть возможность застраховать любой тип полиса и с любыми критериями благодаря возможности специальной формы оставить Оффлайн заявку. Наши специалисты свяжутся и озвучат все доступные предложения по всем возможным СК и учитывая ваши параметры расчета и личные пожелания.

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Для вебмастеров и владельцев сайтов мы сделали легко встраиваемый виджет. Преимущества его такие же, как описано выше по агентской части. Дополнительно плюс добавим, что все изменения, которые вносятся на агентском сайте автоматические обновляются и на виджете.

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Поэтому, все наши нововведения вы сможете сразу протестировать без переустановки виджета и изменения настроек в личном кабинете.

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Вы можете без труда настроить вознаграждение для себя и своей агентской сети. Все по аналогии со страхованием полисов ОСАГО.

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И в целом мы расширяем продукт и вас ждут новые страховые компании, расширение сегментации и много фишек, которые помогут вам зарабатывать.

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Вы поработали в качестве страхового агента какое-то время, у вас появилась своя клиентская база и вы готовы перейти на следующий уровень. Один из шагов, которые для этого нужно сделать указать коды ОКВЭД при подаче документов на регистрацию своего предприятия. Разбираемся, что это такое, для чего нужно, какие коды и сколько вам стоит применить.

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Прежде всего нужно четко понимать, какие услуги вы собираетесь оказывать клиентам, что будет для вас основным источником зарабатывания денег, а чем вы будете заниматься в дополнение к нему. От этого зависит какие коды ОКВЭД вы будете указывать в документах на регистрацию для ИП или прописывать в Уставе, если регистрируете ООО.

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ОКВЭД для страхования, страховых агентов

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Всю необходимую для этого информацию включает Общероссийский Классификатор Видов Экономической Деятельности. В нем есть информация о всех видах экономической деятельности в России. Каждой из них присвоен свой код, в зависимости от направления, виды деятельности объединяются в классы, подклассы, группы и т.д. Например, коды ОКВЭД для страховых агентов собраны в разделе К. Такая разбивка облегчает пользователям поиск нужных кодов, соответствующих их специфике, а сам справочник создан для того, чтобы было проще вести учет и анализировать бизнес в России. Указание хотя бы одного (основного) кода ОКВЭД является обязательным требованием для любой организации, которая планирует вести свою деятельность на территории РФ.

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Какой код ОКВЭД указывает на деятельность страховых агентов и брокеров?

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Как я уже говорила, весь справочник ОКВЭД разбит на разделы в зависимости от направления сфер бизнеса. Все, что касается страховой и финансовой сфер, объединяет:

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Раздел K “Деятельность финансовая и страховая”.

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Он разбит на несколько классов. В нашем случае речь идет о посреднической деятельности в сфере страхования, значит нужен один из вариантов:

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66.2 “Деятельность вспомогательная в сфере финансовых услуг и страхования”., подкласс

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66.22 - “Деятельность страховых агентов и брокеров”. Эта группировка включает деятельность брокеров, страховых посредников по продаже, ведению переговоров или запросам полисов страхования и перестрахования.

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Именно то, чем в основном и занимаются страховые агенты и брокеры. Разница в том, что 66.2 кроме деятельности по страхованию перестрахованию и т.д., расшифровка кода включает оказание услуг, таких как претензии по изменению размера выплат и передача ответственности третьим лицам.

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Основной код

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Код ОКВЭД, идентичный направлению деятельности, которая имеет ключевое значение в доходности вашей организации. Согласно законодательству, при создании организации обязательным условием является указание минимум одного кода, основного. Если ваша деятельность не выходит за рамки страхования, оформления полисов, ведения переговоров и т.д., вполне достаточно использовать код ОКВЭД - 66.22. Найти и запомнить его несложно и он полностью соответствует направлению вашей работы. К определению основного кода ОКВЭД нужно подходить очень серьезно. Эта система создана для того, чтобы государство могло вести статистический учет, анализировать полученные данные и контролировать бизнес. В том числе неверно указанный код может повлиять на систему налогообложения или предоставление вам каких-либо льгот, например, отсрочки по уплате налогов и т.д.

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Дополнительные коды

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Кроме основного вида деятельности практически у любой организации, неважно маленького ИП или крупного предприятия, есть и вспомогательные виды. Как правило это товары и услуги, сопутствующие основной его деятельности. Их тоже нужно указывать при регистрации в налоговой инспекции. Наказания за занятия какой-либо деятельностью без обозначения ее в регистрационных документах не предусмотрено, но эта информация может оказаться весьма существенной, например повлиять на режим налогообложения и т.д.

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При этом один и тот же код ОКВЭД, в зависимости от ситуации, может быть как основным, так и вспомогательным. Например, для агентов и брокеров страховых организаций код 66.22 - основной, а риэлторы, торговые структуры вполне могу указать его в качестве вспомогательного. Так как для них страхование услуга, сопутствующая их основному роду деятельности.

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В настоящее время, когда все чаще ситуация складывается так, что одни и те же люди одновременно риэлторы, торговые и страховые агенты, это особенно актуально. Деятельность агентов в последние несколько лет выходит за рамки страхования, благодаря онлайн-агрегаторам у них появилась возможность оказания посреднических услуг в финансовой сфере - оформление дебетовых и кредитных карт, кредитование и т.д. Если продажи, ведение переговоров и т.д. не все, чем вы хотите ограничить свои агентские услуги, то дополнительно можно включить коды ОКВЭД

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66.2 - Деятельность вспомогательная в сфере страхования и пенсионного обеспечения

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66.29 “Деятельность вспомогательная прочая в сфере страхования и пенсионного обеспечения”

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66.21 - Оценка рисков и ущерба. Эта группа интересна тем, что включает в себя, в том числе, оказание таких услуг в сфере страхования, как обоснование претензий по страхованию, оценка суммы страхового риска и урегулирование претензий по страхованию. Т.е. актуальна для тех, кто работу по заключению страховых полисов совмещает с деятельностью по страховым спорам. А дополнительный сервис - прекрасный маркетинговый ход.

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Сколько кодов ОКВЭД можно указать?

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Наличие и количество дополнительных кодов ОКВЭД не ограничивается. Можно установить хоть два, хоть пятьдесят, можно не указывать совсем. Но злоупотреблять этим не стоит, вряд ли перечень услуг, которые вы оказываете будет безграничен. Чем больше видов деятельности вы вносите в систему, тем сложнее налоговой инспекции определить, чем же в основном вы занимаетесь.

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Поэтому вносить сразу все, в том числе и то, что возможно когда-нибудь станет вам интересно в обозримом будущем не стоит.

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Намного практичнее для начала наряду с основным кодом указать несколько вспомогательных ОКВЭД, актуальных в настоящее время и, максимум, ближайшую перспективу. При этом не забудьте, что если вы работаете в качестве индивидуального предпринимателя, то просто пишите заявление в налоговую инспекцию. Для общества с ограниченной ответственностью и т.д.. потребуется вносить изменения в Устав.

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Если впоследствии вы расширите ассортимент и, например, захотите одновременно со страхованием печь пирожки или ремонтировать холодильники, внести в этот пункт изменения, можно будет несколькими способами, например обратиться в налоговую инспекцию с заявлением о корректировке перечня оказываемых услуг или отправить его по почте. При этом вероятно потребуется оплатить накладные расходы, например стоимость пересылки, а за внесение изменений платить не придется, это делается бесплатно.

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Каждый автовладелец прекрасно представляет себе полис автогражданки и наверняка все видели таблицу в нижней части полиса автогражданки. В ней отражены базовый тариф значения всех коэффициентов, которые используются для расчета стоимости полиса ОСАГО. Один из множителей - коэффициент бонус-малус (КБМ) - знаком всем, с остальными составляющими этого расчета, учитывающими стаж вождения и возраст водителя, прописку собственника, мощность авто и т.д. дело обстоит похуже. Хотя влияние этих коэффициентов на цену полиса так же велико. Сегодня отвечаем на вопрос, что такое коэффициент КТ и каким образом он влияет на тарифы ОСАГО.

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Территориальный коэффициент КТ в ОСАГО

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При расчете ОСАГО коэффициент, отражающий территорию использования транспортного средства, давно является предметом обсуждения. Уже поднимался вопрос о его отмене, но пока этого решили не делать. Благодаря ему расчет стоимости полиса ОСАГО корректируется в зависимости от места прописки собственника или адреса регистрации юридического лица. При этом коэффициент территории КТ ОСАГО делится на две подгруппы. Одна включает в себя трактора, вторая - все остальные транспортные средства. Коэффициенты ОСАГО для тракторов ниже, чем для других ТС. Это обязательно нужно учитывать, если вы хотите рассчитать стоимость страховки вручную, при использовании для расчета любой калькулятор ОСАГО, территориальные коэффициенты, как и все остальные, подтянутся автоматически.

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Понятие территориального коэффициента

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Уже по названию видно, что значение этого коэффициента зависит от территории преимущественной эксплуатации транспортного средства. Обычно она определяется по месту регистрации его собственника. Хотя иногда, например, когда страховку оформляют на лизинговое авто, КТ устанавливается с учетом адреса лизингополучателя, а не лизинговой компании, которая фактически является его собственником.

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Минимальные и максимальные значения.

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Диапазон значений территориальных коэффициентов ОСАГО очень широк. С 09 января 2022 года вступили в силу новые тарифы и теперь минимально он равен 0,68, а максимальное значение составляет 1,88. Соответственно для жителей одних регионов благодаря КТ страховка может стать дешевле почти на треть, а для других подорожать почти в два раза. Если посмотреть динамику изменений страховых тарифов в целом и этого коэффициента в частности, можно заметить, что со временем его влияние для расчета стоимости автогражданки постепенно снижается. Так, например, в прошлом году минимальное и максимальное значение были, соответственно, 0,64 и 1,99. А в 2015 - 0,6 и 2. 

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Таблица территориальных коэффициентов в 2022 году

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Территориальный коэффициент ОСАГО в 2022 году для каждого региона можно посмотреть здесь:

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РегионКоэффициент КТ для всех ТС, кроме тракторовКоэффициент КТ для тракторов
Республика Адыгея (Адыгея)1,241
Республика Алтай
Горно-Алтайск1,240,84
Прочие города и населенные пункты0,760,6
Республика Башкортостан
Благовещенск, Октябрьский1,160,84
Ишимбай, Кумертау, Салават1,080,84
Стерлитамак, Туймазы1,240,84
Уфа1,641
Прочие города и населенные пункты10,84
Республика Бурятия
Улан-Удэ1,240,84
Прочие города и населенные пункты0,760,7
Республика Дагестан
Буйнакск, Дербент, Каспийск, Махачкала, Хасавюрт0,90,7
Прочие города и населенные пункты0,840,7
Республика Ингушетия
Малгобек0,880,7
Назрань0,760,7
Прочие города и населенные пункты0,760,7
Кабардино-Балкарская Республика
Нальчик, Прохладный10,84
Прочие города и населенные пункты0,820,7
Республика Калмыкия
Элиста1,240,84
Прочие города и населенные пункты0,760,7
Карачаево-Черкесская Республика10,88
Республика Карелия
Петрозаводск1,240,84
Прочие города и населенные пункты0,840,6
Республика Коми
Сыктывкар1,481
Ухта1,240,84
Прочие города и населенные пункты10,84
Республика Крым
Симферополь0,760,76
Прочие города и населенные пункты0,680,68
Республика Марий Эл
Волжск10,84
Йошкар-Ола1,320,84
Прочие города и населенные пункты0,760,6
Республика Мордовия
Рузаевка1,161
Саранск1,41
Прочие города и населенные пункты0,840,68
Республика Саха (Якутия)
Нерюнгри0,840,6
Якутск1,160,76
Прочие города и населенные пункты0,680,6
Республика Северная Осетия — Алания
Владикавказ10,88
Прочие города и населенные пункты0,880,7
Республика Татарстан (Татарстан)
Альметьевск, Зеленодольск, Нижнекамск1,240,84
Бугульма, Лениногорск, Чистополь10,84
Елабуга1,160,84
Казань1,81,16
Набережные Челны1,561
Прочие города и населенные пункты1,080,84
Республика Тыва
Кызыл0,760,7
Прочие города и населенные пункты0,760,7
Удмуртская Республика
Воткинск1,080,84
Глазов, Сарапул10,84
Ижевск1,481
Прочие города и населенные пункты0,840,6
Республика Хакасия
Абакан, Саяногорск, Черногорск10,84
Прочие города и населенные пункты0,760,7
Чеченская Республика0,760,7
Чувашская Республика — Чувашия
Канаш1,080,84
Новочебоксарск1,160,84
Чебоксары1,561
Прочие города и населенные пункты0,880,7
Алтайский край
Барнаул1,561
Бийск1,160,84
Заринск, Новоалтайск, Рубцовск1,080,84
Прочие города и населенные пункты0,760,6
Забайкальский край
Краснокаменск0,760,7
Чита0,820,7
Прочие города и населенные пункты0,680,6
Камчатский край
Петропавловск-Камчатский1,241
Прочие города и населенные пункты10,68
Краснодарский край
Анапа, Геленджик1,240,84
Армавир, Сочи, Туапсе1,160,84
Белореченск, Ейск, Кропоткин, Крымск, Курганинск, Лабинск, Славянск-на-Кубани, Тимашевск, Тихорецк1,080,84
Краснодар, Новороссийск1,641
Прочие города и населенные пункты10,84
Красноярский край
Ачинск, Зеленогорск1,080,84
Железногорск, Норильск1,240,84
Канск, Лесосибирск, Минусинск, Назарово10,84
Красноярск1,641
Прочие города и населенные пункты0,920,6
Пермский край
Березники, Краснокамск1,240,84
Лысьва, Чайковский10,84
Пермь1,81,16
Соликамск1,160,84
Прочие города и населенные пункты1,080,84
Приморский край
Арсеньев, Артем, Находка, Спасск-Дальний, Уссурийск10,88
Владивосток1,361
Прочие города и населенные пункты0,90,7
Ставропольский край
Буденновск, Георгиевск, Ессентуки, Минеральные Воды, Невинномысск, Пятигорск10,84
Кисловодск, Михайловск, Ставрополь1,160,84
Прочие города и населенные пункты0,760,6
Хабаровский край
Амурск10,84
Комсомольск-на-Амуре1,270,88
Хабаровск1,561
Прочие города и населенные пункты0,880,7
Амурская область
Белогорск, Свободный1,080,92
Благовещенск1,480,92
Прочие города и населенные пункты10,68
Архангельская область
Архангельск1,641
Котлас1,481
Северодвинск1,561
Прочие города и населенные пункты0,880,6
Астраханская область
Астрахань1,321
Прочие города и населенные пункты0,840,6
Белгородская область
Белгород1,240,84
Губкин, Старый Оскол10,88
Прочие города и населенные пункты0,840,6
Брянская область
Брянск1,41
Клинцы10,84
Прочие города и населенные пункты0,760,6
Владимирская область
Владимир1,481
Гусь-Хрустальный1,080,84
Муром1,160,84
Прочие города и населенные пункты10,84
Волгоградская область
Волгоград1,240,84
Волжский1,080,84
Камышин, Михайловка10,84
Прочие города и населенные пункты0,760,6
Вологодская область
Вологда1,561
Череповец1,641
Прочие города и населенные пункты0,920,06
Воронежская область
Борисоглебск, Лиски, Россошь1,080,92
Воронеж1,41,08
Прочие города и населенные пункты0,840,68
Ивановская область
Иваново1,641
Кинешма1,080,84
Шуя10,84
Прочие города и населенные пункты0,920,6
Иркутская область
Ангарск1,160,84
Братск, Тулун, Усть-Илимск, Усть-Кут, Черемхово10,84
Иркутск1,561
Усолье-Сибирское1,080,84
Шелехов1,240,84
Прочие города и населенные пункты0,840,6
Калининградская область
Калининград1,080,84
Прочие города и населенные пункты0,840,6
Калужская область
Калуга1,160,84
Обнинск1,240,84
Прочие города и населенные пункты0,920,6
Кемеровская область — Кузбасс
Анжеро-Судженск, Киселевск, Юрга1,160,84
Белово, Березовский, Междуреченск, Осинники, Прокопьевск1,240,84
Кемерово1,721
Новокузнецк1,641
Прочие города и населенные пункты1,080,84
Кировская область
Киров1,321
Кирово-Чепецк1,160,84
Прочие города и населенные пункты1,160,84
Костромская область
Кострома1,240,84
Прочие города и населенные пункты0,760,6
Курганская область
Курган1,320,84
Шадринск1,080,84
Прочие города и населенные пункты0,760,7
Курская область
Курск1,160,84
Прочие города и населенные пункты0,760,6
Ленинградская область1,240,84
Липецкая область
Елец10,84
Липецк1,41
Прочие города и населенные пункты0,840,6
Магаданская область
Магадан0,820,7
Прочие города и населенные пункты0,760,7
Московская область1,561
Мурманская область
Апатиты, Мончегорск1,241
Мурманск1,881,16
Североморск1,481
Прочие города и населенные пункты1,161
Нижегородская область
Арзамас, Выкса, Саров1,080,84
Балахна, Бор, Дзержинск1,240,84
Кстово1,160,84
Нижний Новгород1,641
Прочие города и населенные пункты10,84
Новгородская область
Боровичи10,84
Великий Новгород1,240,84
Прочие города и населенные пункты0,920,6
Новосибирская область
Бердск1,240,84
Искитим1,160,84
Куйбышев10,84
Новосибирск1,631
Прочие города и населенные пункты0,940,7
Омская область
Омск1,481
Прочие города и населенные пункты0,920,6
Оренбургская область
Бугуруслан, Бузулук, Новотроицк10,84
Оренбург1,561
Орск1,080,84
Прочие города и населенные пункты0,760,6
Пензенская область
Заречный1,160,84
Кузнецк10,84
Пенза1,321
Прочие города и населенные пункты0,760,6
Псковская область
Великие Луки10,84
Псков1,160,84
Прочие города и населенные пункты0,760,6
Ростовская область
Азов1,160,84
Батайск1,240,84
Волгодонск, Гуково, Каменск-Шахтинский, Новочеркасск, Новошахтинск, Сальск, Таганрог10,84
Ростов-на-Дону1,641
Шахты1,080,84
Прочие города и населенные пункты0,840,6
Рязанская область
Рязань1,321
Прочие города и населенные пункты0,920,6
Самарская область
Новокуйбышевск, Сызрань1,080,84
Самара1,481
Тольятти1,41
Чапаевск1,160,84
Прочие города и населенные пункты0,920,6
Саратовская область
Балаково, Балашов, Вольск10,84
Саратов1,481
Энгельс1,160,84
Прочие города и населенные пункты0,760,6
Сахалинская область
Южно-Сахалинск1,41
Прочие города и населенные пункты0,920,6
Свердловская область
Асбест, Ревда1,080,84
Березовский, Верхняя Пышма, Новоуральск, Первоуральск1,240,84
Верхняя Салда, Полевской1,160,84
Екатеринбург1,641
Прочие города и населенные пункты10,84
Смоленская область
Вязьма, Рославль, Сафоново, Ярцево10,84
Смоленск1,160,84
Прочие города и населенные пункты0,760,6
Тамбовская область
Мичуринск10,84
Тамбов1,160,84
Прочие города и населенные пункты0,840,6
Тверская область
Вышний Волочек, Кимры, Ржев10,84
Тверь1,41
Прочие города и населенные пункты0,840,6
Томская область
Северск1,160,84
Томск1,481
Прочие города и населенные пункты0,920,06
Тульская область
Алексин, Ефремов, Новомосковск10,84
Тула1,40,84
Узловая, Щекино1,160,84
Прочие города и населенные пункты0,920,6
Тюменская область
Тобольск1,240,84
Тюмень1,80,084
Прочие города и населенные пункты1,080,84
Ульяновская область
Димитровград1,160,92
Ульяновск1,41,08
Прочие города и населенные пункты0,920,68
Челябинская область
Златоуст, Миасс1,320,84
Копейск1,481
Магнитогорск1,641
Сатка, Чебаркуль1,160,84
Челябинск1,881,24
Прочие города и населенные пункты10,84
Ярославская область
Ярославль1,41
Прочие города и населенные пункты0,920,06
Москва1,81,16
Санкт-Петербург1,641
Севастополь0,760,76
Еврейская автономная область
Биробиджан0,760,7
Прочие города и населенные пункты0,760,7
Ненецкий автономный округ0,840,6
Ханты-Мансийский автономный округ- Югра
Когалым10,84
Нефтеюганск, Нягань1,240,84
Сургут1,81,16
Нижневартовск1,641
Ханты-Мансийск1,41
Прочие города и населенные пункты1,080,84
Чукотский автономный округ
Новый Уренгой10,84
Ноябрьск1,560,84
Прочие города и населенные пункты1,080,84
Байконур0,760,7
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Почему территориальный коэффициент отличается от региона к региону?

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Для каждой области значение территориального коэффициента устанавливается индивидуально. Причем обычно в каждом регионе действуют несколько его значений: областной центр, наиболее крупные районные центры и остальная территория области. Делается так потому, что условия, которые влияют на КТ, отличаются друг от друга в зависимости от многих факторов. Несложно догадаться, что вероятность большого количества ДТП в малонаселенных районах гораздо ниже, чем в большом мегаполисе и т.д. Поэтому стоимость полиса ОСАГО в Москве стоит дороже, чем в где-нибудь в сельской глубинке. Такой тщательный подход позволяет максимально индивидуально устанавливать тарифы и стоимость ОСАГО для каждого региона в целом и его отдельных районов в том числе.

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Что влияет на коэффициент территории ОСАГО?

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Основной критерий при определении КТ, - убыточность страховщиков в том или ином регионе. Вместе с количеством выплаченных средств, растет и территориальный коэффициент. Но это не единственный фактор, определяющий его конечное значение. Кроме этого, в страховых компаниях учитывается интенсивность движения, количество зарегистрированных авто. качество дорог и т.д., все, что может увеличить или снизить вероятность ДТП и, соответственно, убытков для страховых компаний. При этом ключевым фактором остается убыточность региона. Иногда за один автомобиль премиум-класса страховщику приходится платить больше, чем за несколько авто классом попроще. В итоге 2-3 таких аварии в год нанесут страховщику весьма серьезный ущерб, что и будет отражено при последующей корректировке территориального коэффициента и, соответственно, цены автогражданки для жителей данного региона.

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До 2014 года страховые компании делали расчет стоимости ремонта автомобилей,пострадавших в ДТП, по “среднерыночным” расценкам. Причем пользоваться для определения размера выплаты по ОСАГО они могли любым каталогом, что вело к многочисленным судебным разбирательствам, так как отчет независимого эксперта, сделанный по заказу пострадавшего автовладельца, разительно отличался от того, который делал Страховщик. Поэтому в 2014 году Российский Союз Автостраховщиков принял решение о введении Единого Справочника Запчастей РСА. Это позволило значительно сократить количество судебных разбирательств по ОСАГО

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Расчет стоимости запчастей в справочнике РСА

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Справочник Российского Союза Автостраховщиков включает сведения о стоимости деталей множества транспортных средств. Меняются цены, меняется и информация, которую он содержит. Но полезен он не только этим. Согласно законодательству ущерб, причиненный автомобилю при аварии, рассчитывается именно на дату ДТП а не обращения в страховую компанию по ОСАГО. Поэтому при внесении обновлений “старые” версии не уничтожаются. Они также доступны пользователям, что очень удобно, если разбирательство со страховой компанией затянулось на длительный период времени, так как стоимость запчастей иногда меняется очень серьезно.. 

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Что такое единый справочник запчастей РСА

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Фактически это многоуровневый каталог, в котором содержится вся информация, в том числе и о средней стоимости запчастей, необходимая для определения размера ущерба автомобиля после ДТП и компенсации этих затрат по ОСАГО.

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Конечная сумма складывается из трех частей, которые включают

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Все эти категории отражены в Едином справочнике. Если раньше у каждого эксперта был свой “каталог”, то сейчас и страховые компании, и независимые эксперты при составлении калькуляции возмещения ущерба по ОСАГО, используют только его. Поэтому теперь каждый автовладелец может самостоятельно оценить примерную стоимость ремонта своего авто и проверить насколько корректно сделан расчет страховщиком.Иногда это позволяет экономить время и средства на визит к независимым экспертам. Если ваш результат совпал с тем, который выполнила страховая компания в которую вы обратились по ОСАГО, значит оспорить его вряд ли получится.

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В настоящее время новые справочники средней стоимости запчастей перед публикацией проходят публичную проверку. Для этого на официальном сайте РСА появился специальный раздел \"Актуализация справочников средней стоимости запасных частей, материалов и нормо-часа работ\". В нем можно посмотреть проект следующей редакции справочника, в соответствие с которым будет производится подсчет выплат по ОСАГО,и через форму обратной связи сообщить свое мнение о нем.

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Для чего рассчитывается стоимость деталей

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Если при обращении по ОСАГО ущерб вам предлагают возместить деньгами и предложенных средств явно не хватает на ремонт или даже на приобретение запчастей, то можно проверить вычисления самостоятельно. Для этого нужно запросить в страховой компании акт осмотра и воспользоваться Справочником запчастей РСА. Он содержит информацию более чем о 80 миллионах запасных частей для разных марок и моделей автомобилей. Одновременно с перерасчетом можно проверить, все ли учтено страховщиком при его подсчетах. Нередко бывает так, что в его смете отражена не та запчасть, которая нужна именно вам, а другая, подешевле, потому что просто не учли модификацию машины. Или деталь требует замены, а в калькуляцию вошла стоимость ее ремонта. 

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Стоит отметить, что если вы решили оспорить выплату по ОСАГО и хотите воспользоваться услугами независимого эксперта, то расчет он должен будет сделать только по справочнику РСА. Это предусмотрено законодательством об ОСАГО, смету, полученную на основании данных из других источников, рассматривать не будет.

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Как работать со справочником РСА

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Для того, чтобы открыть справочник и приступить к работе, заходите на официальный сайт РСА. Аутентификация пользователя для этого не требуется. Но стоит учесть, что количество запросов с одного IP-адреса контролируется. Если вы превысите допустимую квоту, то продолжить проверку сможете только с 00.00 следующих суток.

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Далее - ОСАГО - Проверка средней стоимости запасных частей, нормочасов и материалов. 

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Перед вами откроется страница на которой вы можете непосредственно приступить к расчету. Здесь три вкладки:

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Выбираете ту, которая актуальна для вас в данный момент, и переходите на нее. Обратите внимание, системой предусмотрено не только формирование новых запросов, но и сохранение старых, тех, которые были осуществлены вами ранее. С учетом ограничения количества запросов, которые можно сделать в течение суток, это очень удобно.

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Как определяется стоимость запасных частей

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Вы открыли справочник РСА и готовы приступить к вычислениям. Немного подробнее  расскажем о том .как узнать стоимость запчастей и расходных материалов, а также расходов на оплату труда специалистов.

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Средняя стоимость запасных частей

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Начинаем с определения затрат на приобретение деталей, не подлежащих восстановлению. Заходите на первую вкладку - средняя стоимость запасных частей и формируем новый запрос. Для этого нужно указать следующие сведения:

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дата ДТП

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Субъект Российской Федерации

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марка транспортного средства

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номер запасной части

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Первые три пункта обычно вопросов не вызывают, хотя небольшие нюансы и здесь всетаки есть. Например при указании даты ДТП, если дата заявления о ДТП позже 05.05.2020 г., то указывать нужно 01.12.2018 г. В других случаях указывается дата, соответствующая дорожно-транспортному происшествию.После того, как все поля заполнены, нажимаем “Отправить запрос” и ждем результат.

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Средняя стоимость нормо-часа работ

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По аналогии с предыдущей вкладкой заполняем информацию в открывшихся окнах. Указываем дату, на которую делаем расчет, регион, марку автомобиля и тип транспортного средства. При вводе даты ДТП требования совпадают. о чем есть уведомление на сайте.

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Средняя стоимость материалов

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Последняя вкладка. Указываем следующую информацию:

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дата ДТП

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производитель материалов

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наименование материала

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Обратите внимание на два последних пункта. К их заполнению нужно подойти предельно пунктуально, иначе можно будет получить некорректный результат.

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Как узнать номер запасной части для РСА

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Номер запасной части вам придется искать самостоятельно. Есть несколько способов его узнать. 

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  1. Посмотреть номер детали, установленной на вашем авто. Проблема в том, что это не всегда возможно. И, кроме того, нет стопроцентной гарантии, что со временем кодировка у производителя не поменялась.
  2. Обратиться за консультацией в автосервис. Но если речь идет о нескольких десятках позиций ,вряд ли с вам удастся убедить эксперта сидеть с вами весь день.
  3. Самостоятельно найти нужную информацию через интернет. Это возможно нескоькими способами
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заходите на сайт продавца запасных частей, вводите вин-код автомобиля, подтверждаете марку-модель вашего транспортного средства, выбираете группу деталей и непосредственно ту, которая вам нужна в данный момент. К сожалению иногда бывает так, что поисковик предлагает не одну, а несколько аналогичных деталей с разными каталожными номерами. В этом случае придется уточнить параметры поиска, например номер шасси и т.д.

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Учитывается ли износ комплектующих при определении их стоимости

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При выплате страхового возмещения по ОСАГО в денежной форме износ деталей учитывается в обязательном порядке.  Согласно Федеральному закону от 25.04.2002 № 40-ФЗ “Об ОСАГО”, Страховщик компенсирует владельцу поврежденного в результате ДТП имущества затраты, необходимые для того, чтобы привести его в то состояние ,в котором он было перед наступлением страхового случая. Поэтому при определении стоимости запчастей в обязательном порядке учитывается возраст и пробег транспортного средства. Стоимость одной и той же детали на авто разного года выпуска может отличаться довольно существенно. Максимально износ может составлять до 50% стоимости детали. 

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В случае, если страховая компания направляет поврежденное авто на ремонт, коэффициент износа не применяется. Так как, согласно законодательству, при возмещении ущерба по ОСАГО, использование запчастей, бывших в употреблении, в этом случае не допускается.

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Как сделать расчет стоимости деталей самостоятельно

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Рассмотрим на примере порядок  расчета стоимости запчастей по ОСАГО. При этом нельзя забывать о том, что точная смета требует работы специалиста, который учтет затраты как на саму запчасть, так и на расходные материалы, работы, которые необходимо будет произвести и т.д. Но ориентировочный результат можно получить и самостоятельно.

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Пример расчета

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При аварии у автомобиля Киа пострадало левое крыло. Оно требует замены. Попробуем посчитать, в какую сумму это может обойтись. Ограничимся приобретением новой детали, установкой на автомобиль и покраской.

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Итак ищем по каталогу на сайте РСА стоимость нужной нам запчасти. Находим ее каталожный номер, вводим данные в поисковую форму и получаем результат:

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Итак, средняя стоимость крыла 8970 руб.

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Допустим установка и покраска крыла займут два часа. Определяем стоимость одного часа и умножаем на два:

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Таким образом приобретение новой детали обойдется в 8970 руб., работа мастеров будет стоить 950 руб. х 2 = 1900 руб. Все вместе будет стоить 10 870 руб.

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Может ли такой расчет заменить экспертную оценку

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Оспорить решение страховщика на основании самостоятельно выполненного расчета не получиться. Во-первых как бы скурпулезно вы ни подошли к этому процессу, вряд ли получится учесть все нюансы, в том числе расходные материалы, работы, необходимые для ремонта и т.д. Кроме этого, если это даже вам удастся, юридической силы ваша калькуляция иметь не будет. Поэтому и для страховщика, и, тем более, для суда, использовать его в качестве аргумента не получится. 

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Данный способ может быть полезен в случаях, когда вы, например, хотите примерно заранее оценить стоимость ремонта своего авто.или проверить корректность расчета отдельных запчастей. В моей практике был случай, когда неверно определенный каталожный номер запчасти привел к разнице в оценке ее стоимости почти в сто пятьдесят тысяч рублей. Но даже если вы нашли ошибку в смете страховой компании, для того, чтобы отстаивать свою позицию потребуется заключение квалифицированного эксперта.

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Привет, коллеги! Делимся улучшениям на платформе. 

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Пока СК подкручивают сегментацию и на это нельзя повлиять, мы работаем, прикладывая все силы на запуск новых партнеров и доработки, которые помогут больше зарабатывать.

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Из последних доработок выделили наиболее важные для Вас.

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По Ипотеке обновили следующее:

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  1. Пари - доработана проверка статуса оплаты.
  2. Ренессанс - исправлена проблема с получение ссылки на оплату.
  3. Все СК - Открыли возможность оформлять любой полис на любую площадь квартиры и не более 200 этажей.
  4. Альфа - начали передавать обязательные параметры в СК.
  5. Пари - скорректирована валидация возраста страхователя.
  6. Альфа - по жизни по всем банкам открыли оформление с суммой остатка по кредиту до 10 млн.
  7. Все Ск - исправлена проблема с загрузкой печатных форм.
  8. Альфа - исправлена проблема с переходом по ссылке на оплату.
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По ОСАГО обновили следующее:

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  1. Макс - исправлена проблема с получением ссылки на оплату.
  2. Макс - открыли продажи Пула по несегменту.
  3. Ренессанс - исправлена проблема с отличием стоимости при расчете и покупке.
  4. Ренессанс - исправили передачу иностранного ВУ.
  5. Согаз - внесли доработки в процесс оформления.
  6. Альфа - не показываем признак пролонгации на втором шаге
  7. Тинькофф - внесли доработки в процесс оформления.
  8. Согласие - внести изменение в передачу адреса.
\n', 'Какие у нас изменения по ОСАГО и Ипотеке?', 'Пока СК подкручивают сегментацию и на это нельзя повлиять, мы работаем, прикладывая все силы на запуск новых партнеров и доработки.', 'publish', 'open', 'open', '', 'kakie-u-nas-izmeneniya-po-osago-i-ipoteke', '', '', '2022-11-15 11:36:52', '2022-11-15 11:36:52', '', 0, 'https://pampadu.ru/blog/?p=1858', 0, 'post', '', 0), (1859, 13, '2022-11-15 11:36:03', '2022-11-15 11:36:03', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-23', '', '', '2022-11-15 11:36:03', '2022-11-15 11:36:03', '', 1858, 'http://pamtest.ru/wp-content/uploads/2022/11/1030h502-2.jpg', 0, 'attachment', 'image/jpeg', 0), (1867, 13, '2022-11-17 11:45:15', '2022-11-17 11:45:15', '\n

Рассказываем про продукт, как найти клиентов и увеличить заработок

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Почему вы не продаете КАСКО? Часто ответ на этот вопрос прост: “Дорого, клиенты отказываются, никому не нужно и т.д.”. Так ли это на самом деле, и кто точно оформит полис, с вашей помощью или без, разбираемся в этой статье.

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КАСКО интересно и выгодно обеим сторонам. Клиенту это создаст подушку финансовой безопасности в случае ДТП, агенту принесет неплохой доход. Стоимость облегченного КАСКО начинается с нескольких тысяч, поэтому продавать их достаточно легко. К тому же начав “торг” с этой суммы, при хорошей аргументации клиент вполне может согласиться и на более серьезное предложение. И заплатить, например, тысяч 15-20. С учетом того, что комиссия по этим полисам на Пампаду доходит до 38%, это уже неплохие деньги. Также, стоимость КАСКО может достигать 200-300 тысяч, что гарантирует вам высокий доход при наличии определенных клиентов.

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Что такое КАСКО

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В одной из компаний менеджер, оформляя ОСАГО на входящем потоке, каждого владельца более-менее свежего авто спрашивала: “Чужую машину застраховали, а свою будете?” Примерно 80% клиентов в ответ задавали какой-нибудь встречный вопрос, начинался диалог. В сухом остатке на 10 ОСАГО таким образом получалось, как минимум 3-4 облегченных полиса КАСКО.

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Многие автолюбители, заблуждаясь, считают, что ОСАГО обеспечивает безопасность их авто. Это не так. По ОСАГО компенсируется вред тому, кто пострадает от страхователя при ДТП, а вот виновнику придется восстанавливать авто за свой счет. А так как своя рубашка ближе к телу, радости это точно не принесет. Более подробно о разнице между КАСКО и ОСАГО мы писали ранее, поэтому переходим к самому главному.

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Для кого нужно КАСКО

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Можно сказать для всех. Но есть категории владельцев автомобилей, которые просто не могут отказаться от этой страховки. Кто-то из них действительно переживает за новое авто, кто-то рассматривает страхование как неприятную обязанность. Чем лучше вы определите потребности клиента, тем выше вероятность того, что он оформит КАСКО именно у вас. 

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1. Кредитный автомобиль

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Часто машины приобретают в кредит и при этом банк выставляет требование обязательного страхования предмета залога - купленного авто. Безусловно, менеджеры автосалона сделают все, чтобы клиент застраховался у них, слишком уж это лакомый кусок, чтобы его упускать. Начинают тянуть с выдачей ПТС, угрожают штрафными санкциями со стороны кредитора, убеждают клиента, что застраховаться он может только через них и т.д. Это не так, мухи отдельно - котлеты отдельно. 

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При подписании кредитного договора у клиента действительно возникает обязанность по защите залога, но вот через кого он это сделает, и кто оформит тот полис, в кредитном договоре не указывается. Поэтому смело предлагайте клиенту свои услуги. Аргументы могут быть следующие:

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Раньше при страховании машины, которая приобреталась в кредит, львиную долю комиссии, а то и всю, забирал банк. Сейчас ситуация изменилась и практически с каждого полиса агент может получить заслуженное вознаграждение.

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2.Лизинговый автомобиль

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Вторая категория лиц, которые также страхуют КАСКО в обязательном порядке, это те, кто берет автомобили в лизинг. В этом случае речь идет о юридических лицах. К сожалению для агента в большинстве случаев лизинговые компании сами решают вопрос о страховании КАСКО, клиенту просто присылают счет на оплату. Но и здесь для агента есть возможность заработать. Во-первых, после того, как договор лизинга закрыт, предприятие переоформляет автомобили на себя, причем лень часто речь идет не об одной машине, а о нескольких, а то и десятках авто. И при этом, очень часто, опять страхует КАСКО, но уже от своего имени. Во-вторых, иногда, хотя и крайне редко, бывают ситуации, когда лизингодатель не вникает в процесс страхования и, соответственно, не претендует на комиссию. В моей практике был случай, когда по договору страхования КАСКО компания заплатила сразу больше миллиона рублей, комиссия по нему составила 25%. Причём ПТС на автомобили и реквизиты организации нам отдали в пятницу около семи часов вечера, а уже в 11.00 в понедельник были готовы полисы на весь автопарк. Отдыхать, конечно, не пришлось, но оно того стоило.

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И, конечно же, не забывайте о пролонгации. Даже если в первый год клиент не смог отбиться от менеджера в автосалоне, на следующий год он вполне может застраховаться у вас. И имейте ввиду, у большинства компаний предусмотрены неплохие скидки при безубыточном переходе клиента из другой компании.

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3. КАСКО на любой вкус

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Когда клиент говорит “дорого”, значит просто он не знает зачем ему нужен этот полис и сколько он стоит.

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Не стоит лишний раз рассказывать агентам автострахования сколько у нас сейчас людей ездит без ОСАГО. Причём очень часто речь идет о молодых неопытных водителях, полис для которых сейчас если и можно оформить, то иногда стоить он будет дороже, чем машина, на которой ездит страхователь. Проблем в том, что очень мало кто задумывается о последствиях встречи с одним из них. Объясните клиенту, что наличие ОСАГО у него не является гарантией отправки на ремонт, даже если он пострадал не по своей вине. Если виновник не застрахован, разбираться приходится, зачастую, в суде. Это время, нервы, потерянные деньги.

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Избежать этих проблем можно оформив хотя бы самый простой полис КАСКО - на случай ДТП с незастрахованным виновником. Вариантов множество - от самых простых, которые предусматривают ремонт застрахованного автомобиля в пределах лимита по ОСАГО до тех, которые несмотря на низкую стоимость предоставляют очень неплохую защиту. Например, есть полис, по которому авто защищено от тотала, угона, ДТП с виновником и даже без виновника. НО в последнем случае возмещается только 50 000 рублей. Но и стоимость этой страховки всего 2% от стоимости автомобиля. При страховой сумме 1 000 000 рублей клиент заплатит всего 20 000 руб. Или очень интересный вариант для тех, кто собрался путешествовать в отпуск на своем автомобиле.

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Если человек готов платить больше и уверен в том, что сам точно не повредит своего железного коня - предложите КАСКО с франшизой. Тем более, что у большинства компаний она применяется “по виновнику”.

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И, конечно, полновесное КАСКО. Иногда, сделав расчет, вы сами будете удивлены полученным результатом. Летом я оформляла КАСКО на машину стоимостью девять с половиной миллионов, расчетная страховая премия получилась всего 150 000 рублей. Клиент остался доволен. 

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Преимущества продажи КАСКО через Пампаду

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Плюсов в сотрудничестве для агента достаточно много. Как для новичков, так и для опытных агентов. Здесь вы можете найти подробные инструкции по оформлению полисов, информацию о вариантах этого вида страхования и ответы на многие вопросы. Мне лично очень нравится сервис по сопровождению новичков в этом виде страхования. Многим знакома ситуация, когда первый раз ведешь переговоры по новому продукту, боишься ошибиться, что-то забываешь, и, в итоге, клиент просто уходит к более опытному страховщику. А на Пампаду вы, если еще не совсем уверены в своих силах,  можете просто передать заявку нашим менеджерам, чтобы всю черновую работу они проделали за вас за процент комиссии - исключительно по вашему желанию, подробнее рассказывали здесь. Воспользоваться этим сервисом может и опытный агент, ситуации бывают разные, иногда времени просто нет, а клиенту срочно нужен полис. Опять же можно передать его в надежные руки коллег и спокойно работать дальше. Если вы хотите сами вести сделку, передавайте свой номер, а не клиента.

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Напоминаем, что менеджеры расчетов не работают по выходным. Если время ответа по заявке составляет более 2х часов в рабочее время, сообщите специалистам чата поддержки, ускорим процесс. Повторно оставлять заявку в форме не нужно. Также, сервис ограничивается для агентов, которые совершают множество расчетов без оформления, давайте будем уважительно относиться друг к другу.

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Опытные агенты, опять же благодаря специалистам Пампаду, получают ряд бонусов. Например, экономия времени на котировки - одна заявка и предложения нескольких компаний перед вами. Доступно 19 СК с КВ до 30%. А пока заявки обрабатываются, можно искать новых клиентов. Ведь в личном кабинете агента Пампаду нет ограничений, работать, в том числе и по КАСКО, можно по всей России. А это, потенциально, совсем другие возможности и другой доход. Будьте открыты к расширению способов заработка вместе с Пампаду.
Отличных продаж!

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В каком статусе работать агент выбирает сам. Раньше вариантов было два: физлицо и индивидуальный предприниматель. Сейчас к ним добавился еще один - самозанятый. Разбираемся в плюсах и минусах каждого из них и в том, чем они интересны для страхового агента.

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Как выгоднее работать страховому агенту: ИП, самозанятый, физлицо

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На первый взгляд все очень похоже. Неважно как оформлен агентский договор, для того, чтобы заработать вы встречаетесь с клиентами, оформляете договора страхования, ведете отчетность перед страховой компанией и т.д. Но, тем не менее, разница все-таки есть, причем практически всегда агент-физическое лицо получает комиссию меньше, чем агент ИП или самозанятый. хотя условия агентского договора и обязанности агента в них практически идентичны. Агент заключает договора страхования и получает за это свое вознаграждение.

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Преимущества работы агентом в качестве физического лица

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Очень удобный вариант, особенно для новичка в этом бизнесе. Для того, чтобы стать страховым агентом, достаточно заключить агентский договор со страховой компанией или зарегистрироваться на онлайн-платформе, и можно сразу приступать к работе. Ваша задача, кроме непосредственно страхования, вовремя подписывать акты выплаченных работ в соответствие с агентским договором. Их обычно работодатель формирует сам и присылает вам. Раньше обязательным условием договора было подписание документов на бумажном носителе. Сейчас все стало гораздо проще - агент может подписать их либо с применением электронно-цифровой подписи, либо распечатать, подписать и отправить обратно скан документа. Деньги придут на ваш счет, который был указан при заключении агентского договора. Почти все налоги при этом платит страховая компания. Единственное что должен сделать агент - подать декларацию о доходах и заплатить налог 13% от полученных средств. Там же вы можете попросить справку о доходах, если надумаете брать кредит.

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Единственный минус такой формы работы, это то, что хоть вы и устраиваетесь на работу по договору, но на оплату больничных, отпускные и т.д. рассчитывать не приходится. Агентские договоры составлены так, что оплата делается только по факту выполненной работы. в процентах от сумм, которые собрал агент в качестве страховых премий. Никаких других выплат работа по агентскому договору не предусматривает. Проценты по каждому виду страхования разные и все это прописывается в приложении к агентскому договору.

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Исключение составляют, так называемые, генеральные агенты. У них в договоре действительно есть окладная часть заработной платы и, соответственно, оплата отдыха и больничного листа. Но, как правило, такие варианты доступны не агенту-новичку, хорошему специалисту с большим опытом.

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Работа агентом в статусе ИП

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Если агент уже освоился на страховом рынке и у него неплохие объемы, то ему выгодно работать в качестве ИП, расширяя свой бизнес. В этом случае с одной стороны у агента увеличится процент комиссионного вознаграждения, с другой - появится экономия на налогах. Немного объемнее станет документооборот появится обязанность выставлять счета для перечисления комиссионного вознаграждения страховщиком. ежегодно сдавать отчетность в налоговую инспекцию. Но при больших оборотах, экономия средств для агента может быть весьма существенной.

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Если индивидуальный предприниматель обратится в банк, то в качестве подтверждения своих доходах нужно будет предоставить налоговую декларацию за предыдущий год. 

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При этом ИП работает как полноценный агент и имеет право заниматься всеми видами страхования, согласно своему агентскому договору.

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Платежи ИП по налогам и взносам

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Для ИП на упрощенной системе налогообложения (доходы), которую применяют большинство страховых агентов, он равен 6% и еще 1% вы должны будете заплатить с каждых ста тысяч рублей, которые заработаете сверх “базовых” трехсот тысяч. Кроме этого, есть еще один нюанс, который нельзя не учитывать.

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Индивидуальный предприниматель также является налоговым агентом и, в отличие от физического лица, обязан платить налоги даже если он ничего не зарабатывает. Так ИП без работников в 2022 году обязано заплатить, независимо от размера своих доходов, 34 445 руб. на ОПС и 8766 руб. на ОМС. Если ваши доходы не очень велики, это довольно серьезно. Но при этом, если вносить эти деньги ежеквартально, авансовыми платежами, то ситуация меняется. При окончательном расчете налога на доходы сумма поступлений за год умножается на 6% и из нее вычитаются эти авансовые платежи. Если вы, как ИП, заработали за год 500 000 руб., то общая сумма налога будет 34 445 р. + 2000 р. Всего 36 445 руб. Так получается потому, что ваши авансовые платежи уже превысили те проценты, которые вы обязаны перечислить в налоговую инспекцию. А 2000 р. вы платите за те двести тысяч, на которые превысили трехсоттысячный порог.

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Агент физическое лицо в этом случае заплатил бы 65 000 руб. Согласитесь, весьма ощутимая разница. Зато ему не придется, в отличие от ИП, платить ни копейки, если вдруг по какой-то причине он не сможет работать.

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Пока мы вели речь об ИП без работников. Если же он берет в штат одного или несколько человек, которые будут работать по найму и получать заработную плату ,то к вышеперечисленным налогам добавятся налоги и страховые взносы за каждого из них в фонд пенсионного страхования (22%), ОМС (5,1%) и фонд  травматизма и материнства (2,9%). 

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Работа агентом в статусе самозанятого

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Говорить о том, что страховой агент работает в качестве самозанятого, не совсем корректно. В данном случае речь идет не об агентском договоре, а о партнерской программе. Разница между ними довольно существенная:

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агентский договор - агент (физлицо или ИП) заключает договора от имени страховой компании, исключение составляют ситуации, когда речь идет о работе с юридическими лицами или крупных страховых суммах при страховании физических лиц. В этом случае подписантом выступает штатный сотрудник страховой компании, а не сам агент. Но поиск клиента, переговоры и т.д. ложится на агента, он, фактически, делает это от своего имени, хоть и по поручению компании.

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Партнерская программа - агент (самозанятый) оказывает страховщик услугу по привлечению клиентов. И получает за нее свое вознаграждение.

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Налог при этом, как и все самозанятые при работе с юридическими лицами, он платит 6%.

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Вокруг того может работать страховой агент в качестве самозанятого или нет сейчас ведется много споров. Формально он просто самостоятельно привлекает клиентов для страховщика, но фактически страховая компания платит ему комиссионное вознаграждение и является его работодателем. Т.е. он выполняет те же условия, что и обычный агент в рамках агентского договора. А это явно противоречит Федеральному Законодательству.

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Выводы: в каком статусе выгоднее работать страховому агенту

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Подведем итоги. Как же выгоднее работать страховым агентом.

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Для начинающего агента с небольшой клиентской базой и нестабильными большими доходами, гораздо предпочтительнее заключать агентский договор в качестве физического лица: отсутствие отчетности перед налоговой и оплата налога только с фактического заработка - неоспоримое преимущество в данном случае.

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В свою очередь опытным страховым агентам с солидной клиентурой и большими оборотами гораздо интереснее работать в форме юридического лица - индивидуального предпринимателя. Явная экономия на налогах и повышенная комиссия в общей сложности приведут к увеличению их доходов.

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Страховым компаниям. в свою очередь, работать с самозанятыми и ИП гораздо выгоднее, чем с физическими лицами, так как это позволяет им существенно экономить на налогах.

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Согласно Федеральному Законодательству Страховщик должен привести пострадавшее в ДТП имущество в то же состояние, в каком оно было до аварии. Поэтому при обращении пострадавшего в страховую компанию по ОСАГО, всегда делается поправка на учет износа автомобиля и соответствующая корректировка стоимости деталей, которые подлежат замене. 

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Расчет износа по ОСАГО

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До 2014 года страховые компании для расчета износа автомобиля по ОСАГО пользовались методиками расчета, которые выбирали сами, на свое усмотрение. Кроме того, не было ограничений и по величине амортизации механизмов, иногда это приводило к тому, что результат достигал 80-90%. В итоге размер компенсации ущерба по ОСАГО для авто с пробегом, которых большинство на дорогах нашей страны, очень часто становился предметом судебных споров. Одной из причин этого было занижение расчетной стоимости запчастей, подлежащих замене. 

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В 2014 году была введена Единая методика расчета восстановительных расходов на ремонт автомобиля, с тех пор в случаях, когда восстановление автомобиля оплачивается по полису ОСАГО, калькуляция делается только по ней. По ней же рассчитывается износ по ОСАГО.

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Как производится расчет износа по ОСАГО

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Износ по ОСАГО рассчитывается экспертами по специальной формуле, которая учитывает множество факторов.

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В том числе срок эксплуатации механизма и пробег транспортного средства на момент ДТП, а также специальные коэффициенты, которые позволяют учесть износ конкретной детали срока эксплуатации (ΔT) и пробега транспортного средства (ΔL).

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Данная формула закреплена в Положении Банка России от 04 марта 2021 года № 755-П “О единой методике определения размера расходов на восстановительный ремонт в отношении поврежденного транспортного средства”. Здесь же, в Приложении 4, приведены значения коэффициентов ΔT и  ΔL,, которые используются при расчетах. 

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От чего зависит процент износа автомобиля

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В первую очередь от срока и интенсивности эксплуатации. Проще говоря, от возраста авто и его пробега. Чем старше автомобиль и чем больше он проехал за свою историю, тем больше он самортизировал. Но, как и везде, при этом есть ряд нюансов, которые тоже учитывают.

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Например, согласно той же “Единой методике”, в некоторых случаях на отдельные запчасти может быть начислен так называемый “дополнительный износ”. Классический пример - ржавчина на кузове вследствие некачественной покраски или вообще не устранение ранее полученных нарушений лакокрасочного покрытия. В тоже время есть целый перечень комплектующих, на которые при расчете расходов на восстановительный ремонт устанавливается нулевое значение их изнашивания, независимо от условий эксплуатации и даты выпуска автомобиля.

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Максимальный размер износа

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До введения “Единой методики” степень амортизации поврежденных автомобилей не ограничивалась никакими рамками. Это вызывало много вопросов. Ведь любой автомобиль — это механизм, который периодически ремонтируется, в нем меняются какие-то детали и т.д. Поэтому однозначно определять, насколько он изношен, отталкиваясь от даты выпуска авто не совсем правильно.

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За годы его существования многие запчасти были заменены, и, соответственно, в целом механизм частично обновлен и изношен менее, чем показывает расчет, основанный только на его возрасте. В итоге было принято и закреплено в “Единой методике” решение, что при определении размера выплаты по ОСАГО, максимально допустимое значение амортизации автомобиля 50%.

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Можно ли взыскать сумму износа с виновника ДТП

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Несложно догадаться, что суммы, которую выплатила страховая компания по ОСАГО владельцу не новой машины, пробежавшей по дорогам сотню, а то и несколько сот тысяч километров, на то, чтобы ее починить, чаще всего не хватает.

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В этом случае раньше, до того, как расчет размеры выплат по ОСАГО закрепили на законодательном уровне, автовладельцы обращались к независимым экспертам, потом в дело вступали автоюристы и начинались судебные споры со страховой компанией.

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Иногда и сейчас можно столкнуться с подобной практикой. К сожалению, не все понимают, что при составлении калькуляции для суда со страховщиком по ОСАГО, любой эксперт обязан делать расчет по той же методике, что и страховщик. Со всеми вытекающими последствиями, от определения средней стоимости запчастей до учёта износа данного авто.

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Другое дело, если вы хотите взыскать недостающие средства с виновника ДТП. В этом случае речь идет о компенсации расходов на полный восстановительный ремонт вашего транспортного средства, в том числе оплаты приобретения взамен утраченных новых запчастей.

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Часто в подобных случаях возникает вопрос: “Если я все равно должен платить пострадавшему по моей вине, то зачем мне ОСАГО?” Ответ прост. Во-первых, не платить полностью, а доплачивать. Во-вторых, автогражданка оплачивает восстановление поврежденного имущества до исходного состояния, а виновник обязан компенсировать фактический ущерб, причиненный им. А фактически для ремонта авто часто приходится покупать новые детали.

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Несложно догадаться, что стоимость, например, нового бампера существенно отличается от затрат на старый, купленный где-нибудь на разборке. Иногда в подобной ситуации достаточно досудебной претензии для того, чтобы вопрос решился положительно. Если виновник не согласен с вашими требованиями, значит остается решать вопрос через суд.

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Ремонт без учета амортизации

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В настоящее время страховая компания имеет право возместить ущерб по ОСАГО не денежными средствами, а направлением в автомастерскую. В этом случае применение запчастей, бывших в употреблении, категорически запрещено. Поэтому в этом случае стоимость ремонта автомобиля по ОСАГО считают без учета износа.

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И здесь, иногда, начинаются проблемы. Получившихся сумм просто может не хватить на приобретение нужных оригинальных деталей. Поэтому либо начинают предлагать установку аналогов, стоимость которых ниже оригиналов, либо выставляют счет на доплату, так как ремонтники обязаны использовать новые запчасти. А считают расходы на них по ОСАГО с учетом износа. Но чаще всего страховщики просто предлагают выплатить денежные средства и ремонтировать авто самостоятельно.

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Законодательство по вопросам износа ТС по ОСАГО

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Условия возмещения вреда имуществу. поврежденному в результате ДТП, в том числе и автомобилю регламентируются законом “Об ОСАГО”. Этому посвящена гл. 18 в которой, в частности, говорится о том, что выплата производится “в размере расходов, необходимых для приведения имущества в состояние в котором оно находилось до момента наступления страхового случая”. Говоря простым языком, если на автомобиле пострадало старое крыло, платить как за новое его владельцу не будут.  

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Второй документ, который так же имеет прямое отношение к этому вопросу “Положение Банка России от 4 марта 2021 г. № 755-П “О единой методике определения размера расходов на восстановительный ремонт в отношении поврежденного транспортного средства”. В нем содержатся формулы, по которым и производится расчет износа автомобиля и выплата по ОСАГО в целом. При этом амортизация учитывается только в отношении деталей и узлов, которым требуется замена (гл.4). Когда рассчитывается стоимость расходных материалов, оплаты работ и т.д. этот коэффициент не учитывается.

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Максимальный процент износа машины по ОСАГО

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Как уже говорилось ранее, максимальный процент износа машины, который страховщик может учесть при расчете страховой выплаты по ОСАГО, сейчас равен 50%. Поэтому если при определении изнашивания авто по формуле, закрепленной в “Единой методике” получится значение, которое будет существенно ниже этого показателя, для расчета будет применено его максимально допустимое значение. Размер компенсации расходов на приобретение запчастей для замены, вышедших из строя, будет равен половине стоимости новых деталей.

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Можно ли взыскать износ с виновника

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В случае, если реальные расходы на ремонт машины после ДТП превышают размер выплаты по ОСАГО, потерпевший имеет право взыскать недостающую сумму с виновника. Это право подтверждено Постановлением Конституционного суда РФ от 10 марта 2017 года.

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В нем объясняется, что, согласно действующему законодательству, возможность полного возмещения вреда пострадавшему виновником ДТП, допускается. Для этого потерпевший должен доказать, что ущерб, который ему причинен, превышает размер страхового возмещения по ОСАГО. В свою очередь виновник имеет право затребовать проведение судебной экспертизы для того, чтобы проверить, насколько обоснованы претензии истца не завысили ли стоимость ремонта его эксперты.

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И, тем более, потерпевший имеет полное право требовать с виновника ДТП полное возмещение расходов на восстановление своего имущества, если у него нет полиса ОСАГО. В этом случае аварийщик оплачивает все из своего кармана.

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Как избежать износа в ОСАГО

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Непосредственно в ОСАГО этого сделать не удастся. Исключение составляют те случаи, когда пострадали детали, только приобретенные и установленные на автомобиль. Если кто-то “удачно” припарковался в ваш новенький бампер, то при обращении по ОСАГО к заявлению нужно приложить копии документов, подтверждающих его приобретение и установку. В этом случае в отношении данной конкретной детали износ учитываться не будет.

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Тем не менее обезопасить себя от этих проблем вполне возможно. Сейчас многие страховые компании при оформлении ОСАГО предлагают различные варианты полисов мини-каско. Это, конечно, не полновесный полис, который защищает и от падения деревьев, дтп с животными, возгорания ТС и т.д. Но при столкновении с лихачем на дороге, благодаря такой страховке, вы сможете не волноваться о том хватит или не хватит на ремонт полученных по ОСАГО денег. Вы просто отправите свое авто на ремонт, а страховщик сам будет взаимодействовать и со страховой компанией виновника, И, при необходимости, с ним самим. Причем независимо от того, есть у него ОСАГО или нет.

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Налог на добавленную стоимость ввели в России в 1992 году. Поскольку в убыток себе работать не может ни одно предприятия платят его все, независимо от того торгует ли предприятие пирожками или разводит хомячков. В убыток себе торговать не будет никто, поэтому расходы на НДС несут все. Даже покупатели, так как несложно догадаться, затраты на уплату налогов тоже входят в конечную цену товара-услуги. Зачастую организации вместо того, чтобы нанимать штатных менеджеров по продажам привлекают к сотрудничеству людей, готовых работать по реализации их товаров или услуг за определенный процент от сделки, по агентскому договору. Иногда посредники такого рода тоже сталкиваются с уплатой НДС.

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НДС с агентского вознаграждения: как рассчитать

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Платить или не платить агенту НДС со своих доходов и в каком размере зависит от того, в частности, на какой системе налогообложения он находится, какие услуги оказывает Заказчику, есть ли у него льготы по уплате этого налога и т.д. Разбираемся, как рассчитать размер налога на добавленную стоимость в разных ситуациях.

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Что такое агентский договор

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Такой вид партнерства очень распространен в коммерческой деятельности. Согласно статье 1005 ГК РФ, “по агентскому договору одна сторона (агент) обязуется за вознаграждение совершать по поручению другой стороны (принципала) юридические и иные действия от своего имени, но за счет принципала либо от имени и за счет принципала”.

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Эта форма работы применяется во многих сферах бизнеса, как при торговле товарами, так и при оказании услуг. Агенту это удобно тем, что, как правило, не требует значительных финансовых вложений с его стороны, а размер оплаты его труда четко регламентируется агентским договором. Противоположная сторона экономит свои ресурсы, не вкладываясь в организацию рабочих мест для многочисленных посредников и на оплате их труда, так как фиксированного оклада при такой форме сотрудничества обычно не предусматривается.

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Все зависит от результатов его работы. Это позволяет планировать доходы и сводит к минимуму финансовые риски. Кроме этого, агенту не нужно выкупать товар для дальнейшей перепродажи и резервировать свои средства для предварительной оплаты за услуги, которые оказываются клиенту с его помощью. Страховые агенты, которые работают как раз по таким договорам, прекрасно об этом знают. Отчасти поэтому страхование и стало для многих доступным стартапом в собственном бизнесе.

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Начисление НДС и счета-фактуры

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Обычно вопрос о начислении НДС возникает если агент и принципал применяют разные системы налогообложения. Начисление налога на прибыль производится агентом на свою зарплату по договору.

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Отчетной датой обычно является дата подписания акта выполненных работ, которая и является датой выполнения агентом работ для заказчика. После этого агент в пятидневный срок обязан выставить принципалу счет-фактуру на сумму, в которую входят оплата предоставленных по агентскому договору услуг и приплюсованный к нему НДС.

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При этом нужно учесть, что даже если вы выступаете агентом при реализации продукции, которая НДС не облагается, то со своих доходов, если они плюсуются к их исходной стоимости и, соответственно, повышают конечную цену для потребителя, платить все равно придется.

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НДС по агентскому договору у принципала

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Вы продаете товары в качестве представителя какой-то организации или наоборот, пользуетесь услугами агента при их реализации. В любом случае уплата НДС является обязательным условием для налогового агента, но алгоритм будет разным:

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Бывают ситуации, когда агент ведет посредническую деятельность от своего лица. В этом случае документооборот выстраивается иначе:

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НДС по агентскому договору у агента

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Начисление НДС только в том случае, если какие-либо товары продаются от имени агента. В этом случае счет-фактуру выставляете вы и регистрируете его в первой части учетной книги счетов-фактур. Одни экземпляр отправляете покупателю, второй - принципалу. Тот, в свою очередь, присылает счет-фактуру агенту. Его также нужно будет зарегистрировать, но уже во второй части журнала учета.

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Если речь идет о покупке товаров, то ни от имени заказчика, ни от своего имени, вы принять НДС к учету вы не можете. В первом случае счета-фактуры будут сразу выставлены на принципала и их даже не понадобится регистрировать. Во втором - регистрация будет необходима, при этом документ, полученный от продавца, вы вносите во вторую часть журнала, а тот, которые в свою очередь перевыставите заказчику - в первую.

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Авансовый НДС по агентскому вознаграждению

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Этот вопрос затрагивает только тех, кто применяет общую систему налогообложения. Те, кто пользуется УСН налог на добавленную стоимость не начисляют. Размер НДС при этом рассчитывается очень просто, его ставка также равна 20% от вознаграждения агента. Дата начисления обычно указывается в агентском договоре, например, это может быть день, когда Заказчик утверждает отчет своего представителя о проделанной работе. При этом формируются следующие бухгалтерские проводки:

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ПринципалАгент
Дт 44 Кт 76Отражает вознаграждение агентуДт 76 Кт 90Отражает комиссию за выполнение договора
Дт 19 Кт 76НДС с агентского вознагражденияДт 90 Кт 68Начисление НДС с комиссии
Дт68-НДС Кт19Налоговый вычет на НДСДт 51 Кт 76Оплата вознаграждения получена
Дт 76 Кт 51Перечислена комиссия агенту
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Авансовый НДС начисляют. если агентское вознаграждение сразу вычитается из средств, уплаченных за товар, который он продает от имени заказчика или наоборот, приобретает для него, по его поручению товары или услуги. Налог в этом случае рассчитывается с суммы агентского вознаграждения.

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Уплата НДС с агентского вознаграждения в бюджет

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Налог на добавленную стоимость, который начислен на вознаграждение агента, оплачивается в составе общей суммы налога. Делается это ежеквартально по итогам отчетного периода. Денежные средства необходимо перечислять не позднее 25 числа каждого из трех месяцев прошедшего квартала.

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Почему агентский договор привлекает внимание налоговых органов

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Налоговая инспекция очень внимательно относится к организациям, привлекающим для развития своего бизнеса агентов. Это происходит по ряду причин. Главная их них заключается в том, что некоторые компании, пытаясь снизить налоги, “маскируют” подрядчиков, через заключение с ними агентского договора.

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Вполне естественно, что налоговики активно борются с этим явлением. В сфере их внимания часто оказываются организации, которые ведут свою деятельность в полном соответствие с законодательством. Штрафных санкций порядочным предпринимателям проверка, безусловно, не принесет, но терять время и нервы тоже не стоит. 

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Для того, чтобы этого избежать, при работе по агентскому договору стоит учитывать некоторые нюансы. В частности, не стоит нанимать сотрудников - если вы перепоручаете свои обязанности кому-то еще, вас могут заподозрить в подрядной деятельности. А также своевременно предоставлять отчетность принципалу согласно заключенному с ним договору

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Кроме этого, нередко вопросы у налоговиков возникают по причине того, что и сам этот документ оформлен не совсем корректно. Одним из обязательных требований является указание в нем точной информации о размере вашего вознаграждения за исполнение конкретных обязанностей.

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Их перечень также прописывается в соглашении. Если в договоре будет указано, что вы обязуетесь что-то сделать, а заказчик, в свою очередь, обещает вам за это что-то заплатить, то, скорее всего, это очень заинтересует налоговиков. Работа по агентскому договору не является безвозмездной, поэтому отсутствие или размытость в нем этих сведений вызовет много вопросов.

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Стоит отметить, что страховые агенты с НДС практически не сталкиваются, так как в своей деятельности они выступают от имени страховой компании и оплата услуг производится клиентами напрямую на счет страховщика. По сути, они сами ничего не продают и, соответственно, не влияют на ценообразование. Тем не менее, скрупулёзное отношение к документообороту и форме договоров даже в этом случае будет только плюсом.

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 Иногда налоговики запрашивают агентские договора на проверку и, если при этом будут выявлены какие-то недочеты, вопросы могут быть к обоим подписантам.

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У нас приятная новость по страхованию Ипотеки!

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По всем банкам на платформе уже доступно оформление апартаментов и комнат СК Пари и СК Макс. 

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Процесс оформления и размер КВ не отличается от стандартного страхования квартир.

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Немного расскажем про апартаменты и комнаты в разрезе страхования ипотеки.

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Апартаменты считаются недвижимым имуществом и являться предметом залога при оформлении ипотеки в банке. Внешне они ничем не отличаться от обычной квартиры — та же кухня, прихожая, санузел, одна или несколько комнат с лоджиями или балконами. По статусу они ближе всего к гостиничным номерам — можно жить, оформлять временную регистрацию, но прописаться невозможно.

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Именно в этом секрет и удачных локаций, и относительно низкой цены. Требования к застройщику нежилой недвижимости на порядок ниже. Например, он может отдать под апартаменты часть бизнес-центра, построить апарт-отель на территории бывшего завода или фабрики.

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Принципиальных отличий при проведении сделок по апартаментам нет. Их можно покупать и продавать, сдавать в аренду, отдавать в залог. Банки дают привлекательные ипотечные программы по ним.

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При покупке, кредитовании и страховании апартаментов существуют свои особенности:

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Некоторые банки выдают ипотечный кредит только на часть жилья, например на одну комнату или на одну из долей права собственности на помещение. У самой процедуры есть свои особенности и ограничения. 

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Долевое владение — это распространенный вид права собственности в России. Необходимость выкупа долей может возникнуть при разделе совместно нажитого имущества или наследства, выкупе коммунальных помещений у нескольких собственников. Если средств не хватает, можно подать заявку на ипотеку.

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Основных сценариев, по которым можно оформить ипотеку на комнату или одну из долей жилого помещения, существует три:

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Шансы получить одобрение на ипотеку на комнату выше в случае выкупа последней доли, поскольку тогда исчезает необходимость получать согласие всех собственников недвижимости на сделку купли-продажи и передачу всей квартиры в залог.

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Процесс оформления ипотеки на комнату мало отличается от заключения стандартного ипотечного договора. Договоры подобного вида заключаются реже, чем классические договоры по ипотеке, каждую ситуацию банки рассматривают индивидуально.

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У данного вида ипотеки есть свои нюансы, которые следует учесть перед началом оформления договора. Например, обязательными дополнительными этапами будет оформление договоренностей с владельцами других долей или комнат, а также проверка жилплощади на соответствие условиям банка.

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Оформить ипотечный кредит на долю в помещении можно только при покупке вторичного жилья.

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Если у квартиры есть другие собственники, необходимо, чтобы они были согласны с продажей части помещения и при этом не планировали выкупать ее самостоятельно. Дело в том, что преимущественное право приобретения комнаты или одной из долей принадлежит владельцам остальных частей жилплощади, вне зависимости от того, проживают они здесь или нет. Согласие собственников является первоочередным, желательно его получить до момента обращения в банк, иначе все действия могут оказаться напрасными.

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Жилая недвижимость должна отвечать условиям банка, не быть в залоге, не находиться в ветхом или предназначенном к сносу здании. Поскольку такие объекты имеют довольно низкую ликвидность, банки будут обращать особое внимание на юридическую чистоту объекта и его фактическое состояние.

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Любая ипотека — это оформление кредита под залог недвижимости. В качестве залога обычно выступает покупаемый объект, чуть реже — другое недвижимое имущество, принадлежащее заемщику. 

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В случае с ипотекой на комнату или долю дело обстоит иначе: оформить в залог только часть помещения невозможно, потому что такой объект имеет низкую ликвидность, и продать его банку будет сложно. По правилам в обременение должна быть передана вся квартира целиком, а для этого понадобится согласие всех остальных собственников. Если собственники не согласны, решить эту проблему можно, предложив банку в качестве залога другую недвижимость, находящуюся в собственности у заемщика или созаемщиков.

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Следите за нашими новостями.

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Хороших продаж!

\n', 'Пари и Макс - подключено страхование апартаментов и комнат', 'По 30 банкам на платформе уже доступно оформление апартаментов и комнат СК Пари и СК Макс.', 'publish', 'open', 'open', '', 'pari-i-maks-podklyucheno-strahovanie-apartamentov-i-komnat', '', '', '2022-11-25 13:17:01', '2022-11-25 13:17:01', '', 0, 'https://pampadu.ru/blog/?p=1890', 0, 'post', '', 0), (1891, 13, '2022-11-25 13:16:42', '2022-11-25 13:16:42', '', '1039х498', '', 'inherit', 'open', 'closed', '', '1039h498-20', '', '', '2022-11-25 13:16:42', '2022-11-25 13:16:42', '', 1890, 'http://pamtest.ru/wp-content/uploads/2022/11/1039h498.jpg', 0, 'attachment', 'image/jpeg', 0), (1895, 13, '2022-12-06 07:26:05', '2022-12-06 07:26:05', '\n

? Коллеги, еще не закончилась наша акция по увеличенному КВ в ипотечном страховании, а мы уже подготовили для вас еще 1 сюрприз.

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Декабрь - это время волшебства. А кто настоящие волшебники - если не страховые агенты! Что нужно всем без исключения чародеям? Правильно - волшебная палочка, чтобы магия начала работать. Ладно хватит конспираций, скажем «Люмос максима» и прольем свет на это.

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Пампаду разыгрывает 100 тыс. руб в декабре по 2 продуктам!

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? Е-ОСАГО:

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Условия просты:
• В период с 1 по 31 декабря оформляйте полис “Пролонгации” Е-ОСАГО от СК «АльфаСтрахование» через платформу Пампаду.

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Что такое пролонгация - читать

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Количество победителей 25 человек, получат по 2000 рублей (те кто больше всего оформил полисов по зеленому коридору или пролонгацию Альфа-Страхование)

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? ИПОТЕКА:

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Условия просты:
• В период с 1 по 31 декабря оформляйте полис ипотечного страхования через платформу Пампаду с максимально выгодным КВ 55%.
• Количество победителей 25 человек, получат по 2000 рублей (те кто больше всего оформил полисов ипотечного страхования по любой страховой компании и в любом банке с максимально выгодным КВ.

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Подведение итогов 13 января. Деньги поступят на счет в личном кабинете, где вы их сможете вывести в стандартном режиме.

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P.S. Также мы, как истинные волшебники, в эту холодную, зимнюю пору, продолжаем вас согревать самыми лучшими комиссионными вознаграждениями по ипотечному страхованию, помимо этого продолжается повышенная ставка 7600 р. за каждую выданную кредитную карту Газпромбанка

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Желаем праздничных продаж,
Ваша волшебная палочка в страховании, команда Пампаду! ?

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Виджеты ОСАГО и Ипотека — это калькуляторы расчета стоимости полиса и сервисы оформления и покупки полиса для посетителей вашего сайта или приложения. Вы можете установить их за 5 минут по отдельности и за 10 минут совместно, без разработки. Главное, чтобы у вас был доступ к редактированию контента вашего сайта или приложения.

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Если у вас нет сайта или приложения, можете разместить ссылку на виджет в соцсети или отправлять ее напрямую клиенту. Вы получите комиссионное вознаграждение за каждый проданный через виджет полис, как если бы вы сами оформляли их своим клиентам.

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Вознаграждение за все продажи будет начисляться вам также, как если бы вы сами оформляли полисы клиентам. Все расчеты и продажи фиксируются в вашем личном кабинете на нашей платформе.

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Зачем нужен виджет?

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Чтобы запустить продажи полисов ОСАГО или Ипотеки на своем сайте или в приложении. А еще отправлять своим клиентам ссылки, пройдя по которым они самостоятельно рассчитают, сравнят и купят страховку, а вы получите за это стандартное вознаграждение.

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На каких устройствах и сайтах работает виджет?

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Виджет можно установить на любой сайт, также можно оставить ссылку на него в социальных сетях. Поддерживается любое разрешение экрана и любые мобильные платформы: Android или iOS. В приложениях установка через webview.

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Чем виджет Пампаду лучше других?

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Многим. Об этом подробнее можно почитать на специальной странице нашего сайта.

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Как настроить виджет виджеты ОСАГО и Ипотека?

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Подробней о работе виджетов, настройках и всех возможностях можно почитать в статье виджет ОСАГО и статье виджет Ипотека.

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API (Application Programming Interface) ОСАГО и Ипотека — это программный интерфейс приложения и специальный протокол, по которому функции сайта Пампаду в части оформления полисов ОСАГО и Ипотеки могут работать на другом сайте. Это набор способов обмена информацией между двумя сайтами, разными серверами и другие варианты.

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API выглядит:

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Зачем нужен API?

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Чтобы запустить продажи полисов ОСАГО или Ипотеки на своем сайте или в приложении.

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На каких устройствах и сайтах работает API?

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API можно интегрировать на любой сайт, также можно подключать к мобильным приложениям на Android или iOS. 

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Как подключить API ОСАГО и Ипотека?

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Для этого нужно отправить запрос на сотрудничество на почту - agents@pampadu.ru.
В теме письма указать продукт, который вас интересует и указать адрес сайта, на котором будет использоваться и оставить контактные данные.

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Какие преимущества работы с нашими продуктами API/Виджет?
1. Удобный пользовательский интерфейс;
2. уникальный функционал;
3. поддержка по продуктам 24/7;
4. фишки, которых нет в агентском канале ;-) ;
5. улучшенная проходимость для конечного пользователя;
6. еженедельный выпуск обновлений;
7. дополнительная поддержка в лице Product Manager и CEO;
8. закрытые технические чаты в телеграмм;
9. КВ не отличаются от агентской части, нет никаких оговорок “ДО”
10. ежемесячное обучение по работе с продуктами;

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Мы стараемся, предоставить вам как можно больше инструментов для работы и организовать условия, которые помогут вам заработать на этом. Остались вопросы? Вы всегда можете написать в чат поддержки.

С любовью к своему делу,
команда Пампаду.ру!

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В 90 годы в России открылось множество числа страховых компаний. Тогда их количество приближалось к тысяче. В итоге встал вопрос о координации их деятельности, взаимодействии представителей рынка с органами государственной власти, защите их интересов и т. д.

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Всероссийский союз страховщиков (ВСС)

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В настоящее время в средствах массовой информации упоминание об этой организации встречается достаточно часто. Она принимает активное участие в разработке дополнений и изменений к действующим законам, касающимся страхования, осуществляет контроль за работой страховщиков, служит площадкой для обращений клиентов по спорным вопросам и т. д.

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Общие сведения о союзе страховщиков

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Главной целью для достижения которой создавался Всероссийский Союз Страховщиков были защита их интересов, регулирование и сбалансированность функционирования участников рынка. Это некоммерческая организация, поэтому получение прибыли в результате своей деятельности не является ее целью. Она существует более 18 лет и все это время успешно решает поставленные перед ней задачи.

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История Всероссийского союза страховщиков

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Когда необходимость решения вопроса регулирования внутрикорпоративных отношений назрела окончательно, в России появились сразу два объединения: Страховой Союз России и Российский Союз Страховщиков. Всероссийский Союз Страховщиков был создан 16 марта 1994 года на учредительном объединительном собрании этих двух структур.

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На тот момент в него вошли стали около 400 страховых компаний, был принят Устав общества и избран его первый президент. 20 мая 1994 года он получил Свидетельство о регистрации в качестве юридического лица и начал работать на законных правах. Спустя пару лет, незадолго до начала 1996 года, обе организации объединились.

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С этого момента для всех российских страховщиков ВСС - Всероссийский Союз Страховщиков стал единственным формированием, объединяющим всех представителей рынка страхования. Сейчас в содружество входят все страховые компании, работающие на территории нашей страны.

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Цели и задачи союза страховщиков

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Объединение создано для оказания помощи участникам профессионального рынка решении разных проблем, формирования сферы страховых услуг в стране, обеспечение устойчивости работы всей системы и т. д.

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Основные цели союза

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Главной целью ассоциации, согласно Уставу, является “Развитие страхового рынка Российской Федерации, содействие созданию условий для эффективного функционирования страхового рынка Российской Федерации и обеспечения его стабильности, защита и представление интересов своих членов в Банке России, федеральных органах исполнительной власти, органах исполнительной власти субъектов Российской Федерации, органах местного самоуправления, судах, международных структурах путем объединения и координации совместных усилий, направленных на прогресс и совершенствование страхового дела”

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В соответствие с поставленными целями работа ведется по трем направлениям:

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объединение страховых организаций для содействия развитию национального страхового дела

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В ходе своей деятельности ВСС решает задачи

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Для реализации поставленных целей объединение выполняет ряд задач. В том числе:

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Члены ВСС, их права и обязанности

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Партнерство открыто для всех, но некоторые ограничения все-таки присутствуют. Войти в него может любая, в том числе и не российская, страховая компания, у которой есть лицензия на право осуществление этой деятельности в Российской Федерации. При этом она должна полностью удовлетворять требованиям, которые предъявляются Уставом и Условиями членства. Одобрение от других членов сообщества при этом не требуется.

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Вхождение в сообщество дает организациям как определенные права, так и ряд обязанностей. В частности, они имеют право:

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Членство в ВСС

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Вхождение в организацию осуществляется на добровольной основе. при этом ее члены не могут состоять в других НКО. Это не распространяется на ассоциированных участников альянса, у которых есть право быть участниками одновременно в нескольких НКО. Кроме этого, компании, которые полностью соответствуют требованиям Федерального Законодательства, выполняют требования Устав, внутренних регламентов Всероссийского Союза Страховщиков, но еще не получившие лицензию на осуществление страховой деятельности на территории РФ, могут быть кандидатами в члены альянса. После того, как лицензия будет получена, он становится полноправным членом партнерства.

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Прекратиться членство участников может по следующим причинам:

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Структура Всероссийского союза страховщиков

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Как и у всякой НКО его главным органом управления является собрание членов. На нем сроком на три года избирается его Президиум и Президент, Долгое время пост Президента занимал Игорь Юргенс, но в августе этого года он заявил о своей отставке. В настоящее время главным претендентом на эту должность является Евгений Уфимцев, кандидатуру которого поддержал Президиум. Окончательно все станет известно 25 ноября 2022 года, именно на этот день назначено общее собрание, которое должно вынести окончательное решение по этому вопросу.

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Президент ВСС осуществляет общее руководство партнерством, в том числе:

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К компетенции Президиума относится

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Кроме этого, в составе ВСС действуют:

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Дисциплинарная комиссия - рассматривает переданные в нее дела о нарушениях базовых и внутренних регламентов, допущенных членами, применяет к ним меры воздействия, разрабатывает предложения по осуществлению контроля за выполнением членами организации требований федерального законодательства, нормативных правовых актов Российской Федерации и т. д.

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Контрольное управление - следит за выполнением членами сообщества требований федерального законодательства, рассматривает документы кандидатов в состав сообщества, проводит проверки членов Ассоциации и т. д.

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Несколько комитетов, комиссий и рабочих групп. В том числе:

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Официальный сайт ВСС

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Этот интернет-ресурс содержит большое количество информации, которая полезна как страховщикам, так и страхователям. На главной странице сайта размещаются новости и анонсы мероприятий. Весь сайт для удобства пользователей разделен на несколько блоков

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:

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О ВСС - сведения о его структуре и членском составе, нормативные документы и правовая информация, Центр оценки квалификаций и т. д. Здесь же на вкладке “Проекты” находится сервис проверки подлинности полисов ДМС трудовых мигрантов, который пока работает в тестовом режиме.

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О страховании - коротко рассказывает об основных видах страхования: жизнь, имущество, автострахование, туризм и медицина. Здесь же есть ссылки на законодательство, которое их регулирует и информация о порядке урегулирования обращений по возмещению ущерба.

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ESG - непонятная для многих аббревиатура. Расшифровывается как “Экология, социальная политика и корпоративное управление”. Несмотря на широкое распространение за рубежом, в России это не очень известно. То, что организация в своей деятельности придерживается этого тренда. означает, что она строит свой бизнес на трех китах основных принципах:

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E - ответственное отношение к окружающей среде (англ. environment)

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S - высокая социальная ответственность (англ. social)

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G - высокое качество корпоративного управления (англ. governance)

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В данном разделе можно найти аналитические материалы о внедрении этих принципов в страховой сфере России, новости компаний, а также информацию о климатологии страхования.

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Фин. грамотность - содержит информационные материалы о работе по развитию финансовой грамотности среди населения, выступает организатором различных мероприятий как для состоявшихся людей, так и для студентов и подростков. Информация об этой работе, проекты, которые планируется реализовать, а также рабочие материалы и контакты для взаимодействия при проведении мероприятий, находится здесь.

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Пресс-центр - интересен прежде всего журналистам, так как здесь можно найти пресс-релизы, анонсы мероприятий и т. д.

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Музей - онлайн-музей развития страхования в России начиная с 1918 года. Включает множество экспонатов, причем касающихся истории не только отечественных, но и зарубежных страховых компаний.

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Проекты ВСС

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В своей деятельности партнерство большое внимание уделяет реализации различных проектов, направленных на продвижение финансовой грамотности в сфере страхования и для этого, реализует ряд проектов.

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В том числе страховое сообщество деловую игру “Предел риска”, которая работает в форме симулятора экономической реальности и дает участникам возможность самому принимать решения, от которых будет зависеть размер доходов, которыми он располагает. К работе в этом направлении. В 2021 году ВСС совместно с Ассоциацией Банков России организовало и провело первый конкурс для учащихся ВУЗов “Знатоки страхования”. В нем приняли участие более двухсот студентов из ВУЗов Чувашии.

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Поскольку объединение является одним из соучредителей Ассоциации Финансовой Грамотности России, он активно участвует в реализуемых ей проектах. В том числе проводит мероприятия, направленные на их масштабирование и тиражирование, приглашает к сотрудничеству экспертов и волонтеров. Контактная информация указана здесь же, вместе со ссылками на описание игры “Предел риска”.

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ВСС сегодня

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На сегодняшний день партнерство работает свыше 28 лет и объединяет более 140 страховых компаний. Он активно взаимодействует с государственными органами власти, является членом таких организаций как Российский Союз промышленников и предпринимателей, Торгово-промышленная палата Российской Федерации, Международная ассоциация страховых надзоров и т. д. Все это позволяет ему вести плодотворную деятельность, направленную на создание благоприятных условий для развития страхового рынка в России.

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В настоящее время Ассоциация разрабатывает стратегию развития страхования в России на ближайшие три-пять лет. По словам исполнительного директора Российского Союза Автостраховщиков Евгения Уфимцева она предусматривает, в частности, возможность создания единого “Союза Союзов” страховых компаний, который объединит все три, действующие на сегодняшний день - ВСС, РСА и НССО.

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Большое внимание уделяется развитию медицинского страхования, задачи по ДМС планируется привязывать к обязательному медицинскому страхованию. Кроме этого, в стратегию будут включены задачи по развитию новых видов страхования и дальнейшей цифровизации этой отрасли.

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Весь рынок страховых услуг условно можно разделить на две части: розничное и корпоративное страхование. Розница хорошо знакома практически всем агентам, это все, что касается работы с физическими лицами. Страхование корпоративных клиентов  наоборот, для большинства страховщиков остается чем-то малоприятным и, иногда, пугающим. Рынок услуг для юридических лиц гораздо шире, чем для отдельных граждан, больше страховых продуктов и, соответственно, возможностей для страховщика. Разбираемся, какие виды корпоративного страхования различают, что можно страховать и каковы перспективы этого направления для страхового агента и в России в целом.

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Корпоративное страхование: виды, классификация

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Согласно законодательству в России выделено 4 основных вида страхования:

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Классификация страховых продуктов для предприятий 

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Все виды страхования условно можно разделить на несколько категорий. Делается это в зависимости от ряда причин.

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Обязательные и добровольные виды страхования 

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Прежде всего они делятся на две категории. Первая из них это обязательные договора - предприятия заключают их по требованию государства, оно закреплено законодательством и отказаться от этой обязанности никто не имеет права. К этим видам, прежде всего относятся хорошо знакомое всем ОСАГО, и, кроме него:

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Остальные договора заключаются либо добровольно, либо добровольно-принудительно. Ко второй категории относятся договора, которые заключают, например, по требованию банка, когда имущество организации служит залогом по кредиту. При невыполнении этого условия кредит будет выдан, но под более высокий процент. Поэтому клиент сам решает, какой вариант ему предпочтительнее. Тоже самое можно сказать о договорах страхования ответственности, которые по требованию СРО заключают строительные организации и т.д. Поэтому четкую границу между этими категориями договоров провести сложно. Один и тот же договор в одной ситуации будет добровольным, а в другой - практически обязательным.

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Рисковое и накопительное страхование 

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Это касается исключительно личного страхования сотрудников предприятий. Как при индивидуальном страховании жизни, так и при страховании групп людей. По рисковым договорам выплата производится только в том случае, если жизни или здоровью застрахованного человека причинен вред, например в результате несчастного случая. В зависимости от условий договора страховое возмещение выплачивается либо “Таблице выплат”, которая представляет собой список различных травм и процент от страховой суммы, в соответствие с которым рассчитывается выплата. Либо ущерб возмещается по количеству дней больничного пострадавшего человека. При этом условии сама травма не важна, важно сколько дней человек был законно лишен возможности работать, за каждый из них выплачивается доля процента от страховой суммы.

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Накопительная страховка напоминает банковский вклад. Но при этом человек одновременно с накоплением денежных средств получает и финансовую защиту, так как в договор обычно включается и рисковая составляющая. Накопительные договора заключаются на длительный срок, обычно не менее пяти лет. По его окончании человек получает накопленную им за этот срок сумму с процентами, начисленными на нее. Часто задают вопрос, какой смысл копить деньги в страховой компании, если это можно сделать через банк? Можно, но некоторые вещи банковский вклад вам не гарантирует.

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Пример: мужчина делает накопительную страховку на сына, при этом сам он выступает страхователем. Он планировал за 10 лет накопить ребенку на учебу в институте 500 000 рублей. Случилось так, что спустя год с небольшим наш клиент умер. Семья сразу получила 250 000 руб. по факту его смерти. И самое главное: несмотря на то, что с момента смерти страхователя в страховую компанию больше не поступит ни копейки от этой семьи после того, как срок действия договора закончится, ребенок получит те самые полмиллиона, которые планировал ему подарить на совершеннолетие его папа. Ни один банк не предложит вам таких условий.

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Классификация в зависимости от объекта страхования

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Как мы уже говорили, в зависимости от того, что страхуется по договору, все их можно классифицировать в зависимости от объекта страховой защиты.

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  1. Имущественное страхование. Также можно разделить на несколько групп. К этой категории относятся договора по защите:
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2. Страхование ответственности. Несмотря на то, что все они направлены на возмещение вреда в результате каких-либо действий страхователя, и здесь есть несколько подгрупп:

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3. Корпоративное страхование жизни:

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Рынок корпоративного страхования России: перспективы развития

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В условиях рыночной экономики любое предприятие самостоятельно заботится о своей финансовой стабильности. Одним из инструментов риск-менеджмента служит корпоративное страхование, которое позволяет обеспечить максимальную комплексную защиту интересов организации любой сферы деятельности. С его помощью решается целый ряд задач от защиты имущества до мотивации сотрудников и защиты информации, которая хранится на серверах компаний. Безусловно, в настоящее время этот сегмент страхового рынка в России развит не настолько хорошо, как за рубежом. Но в последнее время спрос на эту услугу растет. Техногенные катастрофы, пожары, наводнения и т.д. заставляют бизнес всерьез задуматься о защите своих интересов. За последние пару лет страховой рынок, как и все предприятия России не раз сталкивался с определенными сложностями, среди которых в частности можно назвать:

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Но несмотря на это страховщики приспосабливаются к новым условиям, более индивидуально и гибко подходят к разработке предложений для клиентов, запускают новые проекты, временно замораживая старые, которые пока не актуальны на рынке. Меры, принятые в перестраховании, в частности перераспределение защиты внутри РФ и активное взаимодействие с перестраховщиками из дружественных стран и т.д. Все это уже дает положительный эффект для развития корпоративного страхования и страхового рынка в нашей стране в целом.

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Корпоративное страхование жизни 

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Изначально программы корпоративного страхования жизни и здоровья членов коллектива рассматривались предприятиями как инструмент, который позволяет в случае смерти одного из ключевых сотрудников получить со страховой компании средства на обучение другого специалиста.

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В настоящее время суть этого термина, по крайне мере в России, изменилась. Сейчас так говорят о долгосрочных договорах для коллективов предприятий. Чаще всего речь в этом случае идет о накопительном или пенсионном страховании. Это все чаще рассматривается как инструмент мотивации для всего коллектива.

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Накопительные страховые договора или, как иногда говорят, “золотые наручники” позволяют удержать на предприятии хороших специалистов. При их наличии договора застрахованный прекрасно понимает, что, отработав определенный срок на своем месте, он получит хороший бонус. И лишится этой возможности при досрочном увольнении для перехода на новое место работы.

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Пенсионное страхование действует по тому же принципу. Человек гораздо серьезнее отнесется к предложению конкурентов, если понимает, что после выхода на пенсию именно с этого предприятия или просто отработав на нем достаточное время, он получит хорошую прибавку к своей будущей пенсии.

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Таким образом, корпоративное страхование жизни позволяет повысить социальную защищенность сотрудников организации, повысить лояльность коллектива и снизить текучку кадров в целом.

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Корпоративные программы страхования: виды

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Обеспечить комплексную защиту организации одним страховым договором невозможно. Поэтому сейчас большим спросом пользуется программный подход к решению этого вопроса. Приведем несколько примеров.

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Программа имущественного страхования

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Предприятие выпускает выдувную тару и просит застраховать его имущество. Обычный договор, который, кстати, часто делается при страховании залогов включает в себя стандартный набор рисков: пожар, воздействие воды, наезд транспорта и т.д. Что сможем предложить клиенту мы?

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Сначала определяемся с имуществом, которое будем страховать: у нас производственные цеха с большими окнами, оборудование, запасы сырья и готовой продукции. По стандартному договору при большой площади остекления разбитое стекло не является страховым случаем, поэтому к пакету рисков для страхования здания включаем дополнительный риск “Бой стекол”.  Второй момент: в цеху установлено сложное производственное оборудование, оно может выйти из строя не из-за пожара или прорыва системы отопления, оно может просто сломаться. Поэтому к этой позиции добавляем риск “Поломка механизмов”. Теперь комплексная программа страхования имущества данного предприятия готова.

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Если же пойти немного дальше и предложить программу защиты данного бизнеса в целом, то стоит добавить:

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Обычно сюда входит:

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страхование здания, включая конструктивные элементы, отделку внешнюю и внутреннюю и инженерное оборудование. К стандартному пакету рисков чаще всего добавляется риск “бой стекол”, так как большинство ТЦ обладают большой площадью остекления, и  гражданской ответственности собственника здания 

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Кроме этого, для любого предприятия могут быть интересны программы коллективного страхования сотрудников: от несчастного случая и болезней, пенсионное, накопительное, добровольное медицинское страхование и т.д. Каждая из них также носит индивидуальный характер и составляется с учетом особенностей конкретного клиента.

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Корпоративное медицинское страхование

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Согласно статистике сейчас все больше сотрудников при выборе места работу отдают предпочтение организациям, где есть договора добровольного медицинского страхования коллектива. Они дают возможность пользоваться услугами коммерческих клиник, лечиться и отдыхать в санаториях за счет страховки и т.д.

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Предприятию ДМС интересен по ряду причин. 

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кадровая политика - улучшается социальная защита и, соответственно, привлекательность предприятия для профессиональных кадров

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финансовая составляющая - расходы на ДМС в размере 8% от фонда заработной платы можно отнести на себестоимость и уменьшить на них налогооблагаемую базу. 

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Кроме этого, есть моменты, не столь иные, но тоже очень существенные.

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Руководитель предприятия потратил на лечение и протезирование зубов около 800 000 рублей. Заплатил он эти деньги из своей зарплаты, с которой, естественно, были уплачены все налоги. Это почти половина от данной суммы. Если бы лечение осуществлялось при посредничестве страховой компании по договору ДМС, налог на заработную плату платить не пришлось бы. Кроме того, качество работы врачей, правильность назначений и их обоснованность, стоимость услуг - все это контролировали бы специалисты страховщика.

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И еще один нюанс: при качественном лечении человек выздоравливает быстрее, следовательно сотрудник быстрее выходи на работу и приступает к своим обязанностям. 

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ДМС бывает двух видов:

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рисковый - срабатывает тогда, когда с застрахованным что-то произошло: сломал человек ногу, обострилась язва или понадобилась госпитализация, это будет оплачено страховкой. Просто пройти анализы или обследование при такой форме договора не получится. При этом договор заключается на год, когда он заканчивается, вместе с ним заканчиваются и обязательства страховщика. Страховая премия на следующий страховой год уплачивается заново в полном объеме даже если по закончившемуся договору не было ни одного обращении.

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депозитный- организация перечисляет на счет страховой компании определенную сумму средств, в рамках которой потом осуществляется медицинское обслуживание сотрудников. За небольшой процент (в среднем 5-10) страховщик берет на себя массу обязанностей: контролирует качество обслуживания в медицинских учреждениях, организовывает лечение за рубежом, такие программы предусматривают и вызов коммерческой скорой помощи, прохождение обследований, сдачу анализов и т.д. И еще одно существенное отличие депозитного ДМС от рискового. Если организация в течение года пользуясь медицинскими услугами не списала со своего счета все зарезервированные средства, то оставшаяся их часть перейдёт на следующий год. Клиент в таком случае получит право выбора: доплатить до исходной страховой суммы и сэкономить на оплате договора на новый год, либо внести туже сумму и увеличить объем страхового покрытия.

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Независимо от выбранного варианта ДМС организация сама определяет основные условия его заключения:

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общую страховую сумму и индивидуальные суммы на сотрудников

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количество человек, которые будут застрахованы. Договор может быть заключен как на весь коллектив, так и на нескольких человек, например топ-менеджеров

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перечень клиник и услуг, которыми смогут пользоваться застрахованные. Это может быть целый перечень медицинских учреждений, а может быть только одна клиника или санаторий, неважно в России или за рубежом, все зависит от предпочтений и возможностей клиентов.

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Страхование корпоративных рисков – эффективная защита непредвиденных обстоятельств 

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Начну с примера. В торговом центре пожар, так или иначе пострадали многие арендаторы. У одних имущество выгорело полностью, у других прокоптилось и пропахло продуктами горения. В любом случае проблемы у всех. Единственные, кто были спокойны в этой ситуации - мои клиенты. Их имущество, кстати, пострадало больше всех. Но они оказались единственными, кто был застрахован. Весь ущерб, а это более трехсот тысяч рублей им возместила страховая компания.

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Комплексное страхование корпоративных рисков прекрасная подушка для организации в любой ситуации. Сложно предвидеть все. Вы сделали суперсовременную защиту от пожара, поставили тройные блокировки на системах отопления и водоснабжения, кучу дополнительных реле в электрощитах, п новичок-сотрудник просто ошибся при работе с дорогущим станком и тот вышел из строя. Итог - производство встало, запчасти дорогие и едут к вам издалека, прибыли нет, а налоговая инспекция и банк-кредитор требуют своевременных платежей. Да и заработную плату сотрудникам платить нужно вовремя. Тяжёлая ситуация. А всего этого можно избежать, просто застраховав свое имущество и включив в этот же договор ряд дополнительных рисков. И при наличии такой страховки затраты на ремонт оборудования, стоимость запчастей и их доставку, платежи налоговикам и взносы по кредиту, зарплату сотрудникам на период простоя, возьмет на себя страховая компания. Согласитесь, просто и эффективно. И даже в этой ситуации руководитель предприятие сможет спокойно заниматься своими делами, а не поиском средств на погашение своих финансовых обязательств.

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Корпоративное пенсионное страхование – действенный мотивационный аргумент для сотрудников 

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О своей будущей пенсии рано или поздно задумывается каждый, но не все могут повлиять на ее размер. Поэтому корпоративные пенсионные программы, благодаря которым софинансирует или финансирует полностью предприятие для своих сотрудников, являются одним из самых мощных мотивационных инструментов. Сотрудник, понимая, что бонус к пенсии надо заслужить, старается выполнять все требования работодателя с максимальной отдачей. Тот, в свою очередь, таким образом экономит денежные средства за счет льгот по налогообложению и решает управленческие задачи, так как при должной степени мотивации снижается текучка кадров и повышается качество работы. Возможно несколько вариантов реализации таких программ, если говорить о вариантах их финансирования. Две из них - солидарная и индивидуальная, полностью оплачиваются организацией. В первом случае деньги поступают на общий счет, а во втором на индивидуальные счета сотрудников в НПФ. Третья программа - паритетная, в этом случае оплата взносов делается и предприятием, и застрахованным сотрудником самостоятельно. Сотрудникам это выгодно потому, что при досрочном увольнении они не теряют ту часть пенсии, которую сформировали сами. Кроме этого, право на нее будет и у их наследников. 

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Страхование корпоративного имущества – возможность обезопасить себя и собственные активы от непредусмотренных расходов 

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Говорят огонь хуже вора, вор хоть стены оставляет. Насколько сложно и дорого восстановить здание и оборудование, например, после пожара? Хорошо, если есть денежные средства в нужном объеме, а если их нет? Все вложено в сырье, оборудование и т.д., а ведь предприятие не собачья будка, понадобится могут десятки и сотни миллионов. Держать на счету такие суммы на черный день никто не будет, деньги должны работать. Поэтому самое продуктивное решение - договор страхования корпоративного имущества. В него можно включить очень многое:

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Кроме того, договор страхования может предусматривать так называемые рефрижераторные риски. На случай, если ваша продукция хранится в холодильных камерах и может испортится при их отключении. Или платежи по налогам и кредитам, если вы вынуждены простаивать из-за пострадавшего при страховом случае вашего имущества.

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Иногда приходится слышать: «Страховка — это дорого, у нас ничего не случится”. К сожалению, последнее утверждение не всегда сбывается. А насчет “дорого” могу привести пример из практики. Как-то мне пришлось делать договор для одного производственного предприятия, в него включили все их имущество и те самые финансовые риски, о которых я упоминала. Страховая сумма получилась около 300 000 000 рублей, стоимость страховки составила 280 000 р.

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Договор корпоративного страхования: основные условия 

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Договора страхования у всех страховщиков составлены по одной и той же схеме. В них прописывается предмет договора, размер страховой суммы, дается описание страховых случаев и исключений из них, указывается срок действия договора и порядок уплаты страховой премии и т.д. Но тем не менее есть вещи, на которые обязательно нужно обращать внимание.

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Исключения из страхового покрытия - может оказаться так, что из-за каких-то особенностей вашего бизнеса договор именно с этой компанией заключать не стоит

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Размер и вид франшизы - франшиза. это деньги, которые вы не получите, чтобы ни случилось. Поэтому чем она больше, тем менее интересен вам этот документ. 

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Условия выплат - алгоритм действий при наступлении страхового случая должен быть прописан до мелочей, с указанием контактов страховщика, по которым вы должны будете о нем сообщить. 

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Порядок разрешения споров. Очень часто изначально указывается, что будут  рассматривать споры по договору, который обеспечивает корпоративное страхование, в Москве, если дело дойдет до суда. Поверьте, это очень неудобно даже если вы живете во Владимире. А если во Владивостоке?

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И конечно же читаем правила страхования, особенно тщательно то, что написано внизу страницы мелким шрифтом. Если вы внимательно изучите правила и сам договор, внесете в него необходимые правки, то он станет для вас действительно надежной защитой и гарантией сохранения финансовой стабильности вашего бизнеса.

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ОСАГО

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6 сентября 2018 г. был запущен наш основной(флагманский) продукт - страхование ОСАГО. 

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Что такое ОСАГО ?

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ОСАГО — это обязательное страхование автогражданской ответственности. То есть если по вине владельца полиса ОСАГО случилось ДТП, платить пострадавшим будет не он, а его страховая компания(СК).

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24 сентября 2018 г. был добавлен первый агент на платформу. В этот же день у нас был продан первый полис ОСАГО.

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Какие документы нужны для оформления полиса Е-ОСАГО?

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Как оформить полис ОСАГО B категории?

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Для оформления полиса нажмите “+Новая сделка” и в списке выберите продукт ОСАГО и нажмите кнопку “Оформить”

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Процесс оформления:

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  1. На первом этапе выберите способ оформления полиса - это “Новый договор” или “Пролонгация”. Далее заполните данные(берете с документов клиента). Нажмите кнопку “Рассчитать”.
  2. На втором этапе выберите одну из страховых компаний и нажмите кнопку “Купить”. На этой странице вы можете увидеть стоимость полиса и размер вашего вознаграждения за покупку каждого варианта.
  3. На третьем этапе страховая компания формирует ссылку на оплату полиса. Вы проходите по данной ссылку и делаете оплату с помощью банковской карты на сайте страховой компании. Также эту ссылку можно отправить клиенту на почту или телефон, указав его номер тут же. Через 5-15 минут после оплаты полиса, на этом этапе вместо ссылки на оплату появится полис и сопутствующие документы, которые вы можете скачать. Дополнительно все документы отправляются на почту клиента, которую вы указали на первом этапе оформления полиса.
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Какие регионы доступны по ОСАГО?

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У каждой СК свой список регионов, в которых они готовы взять на страхование транспортные средства. У нас доступна к страхованию большая часть регионов РФ, но есть те, которые закрыты для продаж в связи с высокой убыточностью. Ознакомиться со списком доступных регионов по каждой страховой компании вы можете по ссылке в разделе “Моя комиссия”.

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Как проверить купленный полис?

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Чтобы убедиться в легальности полиса, его всегда можно проверить: 

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  1. На сайте РСА (Российский Союз Автостраховщиков).
  2. По телефону горячей линии страховой компании, в которой был куплен полис (назовите серию и номер полиса и попросите проверить его легальность).
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Важно - процесс оформления полиса с получение печатной формы на руки занимает не больше 20 минут(в среднем - это 10 минут).

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Еще информацию по процессу оформления и о самом продукте вы можете прочитать в разделе “Помощь” или обратиться в Техническую Поддержку.

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Ипотека

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7 июня 2021 г. мы вывели в свет флагманский продукт - страхование Ипотеки. Первый полис был продан 8 июня 2021 г. 

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Кто еще сомневался и откладывал свое знакомство с перспективным продуктом получили возможность опробовать его на практике. И для тех, кто уже оформлял полисы -  этот продукт, это отличный повод познакомиться по новому с Пампаду и перевести свои продажи из других каналов к нам. Мы не хитрим, поэтому рекордная комиссия НЕ за счет увеличения цен на полисы. Это важно понимать. Выгода вам и вашему клиенту. Субсидируем повышенные комиссии бессрочно, но только на онлайн оформление.

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Какие документы нужны для оформления?

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Паспорт заемщика, кредитный договор, если уже заключен с банком.  Для полиса по имуществу еще потребуется указать характеристики объекта залога (площадь квартиры, адрес, год постройки и этажность дома, есть ли газификация и деревянные перекрытия). Их можно найти в кадастровом или техпаспорте жилого объекта.

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Как оформить полис Ипотеки?

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Для оформления полиса нажмите “+Новая сделка” и в списке выберите продукт Ипотека и нажмите кнопку “Оформить”

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Процесс оформления:

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  1. Внесите четыре параметра: выбрать банк, указать сумму остатка задолженности по кредиту, дату рождения и пол заемщика. 
  2. На этапе предварительного расчета в «Дополнительных сведениях» настройте фильтры: известен ли номер кредитного договора, оформлено ли право собственности у заемщика и есть ли деревянные перекрытия, газификация или неузаконенные перепланировки в залоговом имуществе. Это отсеет заведомо неподходящие вам предложения. Здесь же укажите тип полиса, который нужен вашему клиенту: по страхованию залогового имущества, жизни или комплексный. Далее выберите подходящий продукт и страховую и нажмите кнопку “Купить полис”.
  3. На втором этапе — приступайте к оформлению полиса. Введите данные о заемщике и кредитном договоре. Здесь могут потребоваться сведения о характеристиках залогового имущества, а также о весе, росте, артериальном давлении или профессии заемщика. Это зависит от выбранного типа полиса и страховой компании.
  4. На третьем этапе — оплаты — обязательно перепроверьте все  введенные данные и нажмите кнопку “Купить”. После того как сформируется ссылка на оплату, вы сможете отправить ее клиенту на электронный адрес или телефон или оплатить самостоятельно. Обратите внимание на срок действия ссылки, указанный рядом. По его истечении вы не сможете оплатить полис.
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Зачем агенту новый продукт Ипотека?

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Большинство людей не могут купить жилье за наличный расчет и приобретают его в кредит. А по закону ответственность ипотечного заемщика перед банком должна быть застрахована. И продлеваться ежегодно. Потому найти клиентов не составит труда. Поспрашивайте знакомых, коллег или друзей, наверняка среди них есть те, кому нужна помощь. Подберите им страховку с оптимальными условиями, а самое главное — значительно дешевле, чем предлагает банк-кредитор.

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Для чего используется страхование Ипотеки?

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Страхование ипотеки гарантирует банку, что долг будет выплачен даже если с заложенным имуществом или его клиентом что-то случится. А застрахованный заемщик и его наследники получают финансовую защиту от претензий в случае утраты трудоспособности или смерти. Без страховки банки не выдают ипотечный кредит. И в случае просрочки ежегодного продления применят штрафные санкции. Какие именно - прописывается в кредитном договоре.

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Еще информацию по процессу оформления и о самом продукте вы можете прочитать в разделе “Помощь” или обратиться в Техническую Поддержку.

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Важно - процесс оформления полиса с получение печатной формы на руки занимает не больше 7 минут(в среднем - это 5 минут).

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Мини-Каско

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27 июня 2022 г. мы открыли продукт - Мини-Каско. Первый полис был в день открытия продукта.

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Мини-КАСКО — это добровольное страхование собственного автомобиля от определенного набора рисков. Наиболее популярными из которых являются страхование от угона или ущерба в ДТП по вине водителей без ОСАГО.

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Какие документы нужны для оформления Мини-Каско?

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Чтобы оформить полис Мини-Каско, вам потребуются паспорта страхователя и собственника транспортного средства, а также ПТС или СТС на авто. Водительские удостоверения при заполнении полиса не потребуются, так как страховка предусматривает «мультидрайв» — неограниченное количество лиц, допущенных к управлению.

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Требуется ли осмотр автомобиля при оформлении Мини-Каско?

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Для оформления полисов мини-КАСКО осмотр автомобиля не требуется.

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Как оформить Мини-Каско?

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Для оформления полиса нажмите “+Новая сделка” и в списке выберите продукт Мини-Каско и нажмите кнопку “Оформить”

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Процесс оформления:

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  1. Чтобы увидеть предварительные расчеты Мини-Каско, достаточно указать всего 2 параметра: год выпуска и стоимость автомобиля. Старайтесь указывать верные данные, тогда на предрасчете вы получите окончательную стоимость полисов, которая не изменится при детальном расчете. 
  2. На странице предварительных расчетов вы можете сравнить предложения страховых компаний для автомобиля указанного возраста и стоимости. Если ориентироваться в большом списке программ затруднительно, скройте неподходящие с помощью фильтров вверху страницы.
  3. При выборе программ страхования заполнить все необходимые сведения. Функционал автозаполнения полей по ОСАГО обязателен к применению только для Альфастрахования. По остальным СК выбираете по желанию. 
  4. Заполняются данные по полису и после нажимаем кнопку “Купить”.
  5. Сформировав ссылку на оплату можно сразу перейти к оплате, скопировать или отправить страхователю письмом на почту или в СМС. Она действует всего 20 минут с момента получения. По истечении срока придется обновить ссылку и переходить к оплате по новой ссылке. Печатные формы поступят на почту, указанную в контактах страхователя, и будут загружены в ЛК. 
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Кому нужно Мини-Каско?

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Полисы мини-КАСКО имеют довольно привлекательную стоимость и поэтому подходят тем, кто заинтересован в защите собственного автомобиля, но не может позволить себе классический продукт. Как правило, выбирают мини-КАСКО опытные водители, которые уверенно чувствуют себя на дорогах и хотят застраховаться только от ДТП по чужой вине, угона или стихийных бедствий. 

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Важно - процесс оформления полиса с получение печатной формы на руки занимает не больше 5 минут(в среднем - это 4 минуты).

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Еще информацию по процессу оформления и о самом продукте вы можете прочитать в разделе “Помощь” или обратиться в Техническую Поддержку.

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Если рассматривать финансовую вертикаль, то это один из самых прибыльных и легких в освоении инструментов для заработка на арбитраже трафика. Ключевые офферы в финансовой вертикали — это дебетовые и кредитные карты, МФО, банки, а также сервисы по подбору кредитов. Если вы планируете заработать на этих инструментах, но не знаете, с чего начать, как привлечь трафик и где искать партнеров, читайте статью от авторов компании «Пампаду».

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Подробно рассказали про трафик в финансовой вертикали в 2022 году, особенностях, какие партнерки использовать для увеличения прибыли.

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Основные сегменты

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Ключевые сегменты вертикали — микрофинансовые компании, банки, страхование, монопродукты. В арбитраже трафика помогают партнерские сети. Одна из таких — компания «Пампаду», которая позволяет заработать с помощью перечисленных инструментов. Более подробно рассмотрим каждый из этих сегментов.

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МФО

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Микрофинансовые компании выдают займы сроком до 30 дней. Чаще всего такими услугами пользуются люди, которым срочно нужны деньги до зарплаты.  Для заработка на партнерке МФО достаточно зарегистрироваться в «Пампаду», выбрать один или несколько офферов и начать их рекламировать. Доход арбитражника — это не только процент за выданный заем по партнерской ссылке, но и возможность заработка за регистрацию.

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Выбираете вкладку на главной странице «Пампаду» с финансовыми продуктами, указываете МФО и смотрите, какие есть продукты. Например, компания «Турбозайм» за выдачу денег готова платить 2500 руб. Перед началом распространения рекламы о компании лучше почитайте, какие особенности, а также требования МФО предъявляет клиентам.

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Банки

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Если планируете получать доход по математической вертикали за оформление дебетовых и кредитных карт, выберите соответствующую вкладку в главном меню СРА «Пампаду». Здесь можно получать прибыль не только за оформление пластика, но и целевое действие, например, за отправленную заявку.

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Нюансов у этих продуктов довольно много, поэтому лучше всего изучить каждый. За счет этого сможете принять верное решение и выбрать подходящую финансовую вертикаль с целью получения прибыли. Если не знаете, с чего начать и какую партнерскую программу выбрать, начните с изучения информации. Больше всего финансовые компании готовы платить за оформление по вашей ссылке кредитной карты. Например, на сайте «Пампаду» за оформление кредитки от Газпромбанка можно сразу заработать 7600 руб.

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Страхование

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Еще один инструмент — страхование. Это может быть оформление КАСКО, ОСАГО. Страховки жизни и здоровья, имущества. Рынок меняется, и появляются новые продукты, а также опции. Например, в последнее время популярностью стало пользоваться коробочное страхование. 

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В отличие от классической страховки, сюда включены все возможные нюансы порчи имущества, начиная от кражи, заканчивая затоплением квартиры со стороны соседей. Комиссию можно получать не только за оформленные продукты, но и поданные заявки.

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Монопродукты

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Это уже отдельная группа, в которую входят разные инструменты. Например, вклады, инвестиции, кассы онлайн для юрлиц, аграрные проекты, страхование рассчетно-кассового обслуживания. Если клиент оформить страховку РКО по вашей ссылке, вы получите за это вознаграждение.

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Почему финансовая вертикаль подходит новичкам и опытным арбитражникам?

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Если гемблинг вертикали живут до тех пор, пока аккаунт арбитражника не забанят, в финансовой вертикали зависит все от вас самих. Чтобы не пользоваться в будущем прокси, заводить новый аккаунт, когда ваш оказался в черном списке, пользуйтесь финансовой вертикалью. Главное не накручивайте трафик. Проводите рекламу белыми способами.

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Н возникает вопрос, как заработать достаточно без накруток и удастся ли это новичкам, у которых нет технических навыков. Да, заработать на арбитраже трафика можно, но для этого придется выбрать компании и начать лить на них трафик. Предварительно вы должны знать, кто ваша целевая аудитория, что и позволит вам сформировать правильную рекламную кампанию.

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Целевая аудитория

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Кто ЦА — целевая аудитория. Это люди, которым нужны деньги, дебетовые или кредитные карты, страховка, быстрый заем в МФО. Выбирайте трафик так, чтобы вашу ссылку просматривала именно целевая аудитория. Например, если выбрали дебетовые карты для молодежи, а рекламу купили на сайте по пошиву одежды, никакого результата это не принесет. Вы просто сольете весь бюджет.

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Если решили зарабатывать с помощью партнерок МФО, покупайте трафик на соответствующих ресурсах, форумах, каналах в социальных сетях.

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Источники трафика

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Один из важных моментов для заработка — источник трафика. Вы можете создать собственный одностраничный сайт и купить на него рекламу, заказать раскрутку у популярного блогера в социальных сетях. Не забывайте и об особенностях рекламы, например, в Google AdWords с 2016 года запрещена реклама МФО. Подробнее рассмотрим источники трафика.

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Сайт-витрина

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Создайте небольшой сайт и запустите рекламу. Здесь вы можете рекламировать любые продукты, создать отдельную страницу для страхования, банковских карт. Пишите интересные и полезные статьи, чтобы на ваш сайт заходили люди и получали нужную информацию. В итоге постепенно привлечете естественный трафик, раскрутите сайт и увеличите прибыль.

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Контекст

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Рекламируйте продукты на ресурсах, которые это допускают. Как было сказано выше, в Google AdWords не получится запустить рекламу МФО. Это привело к тому, что в Яндекс.Директ хлынул поток клиентов, поэтому повысились ставки. Чтобы сразу не слить деньги, изучайте ЦА.

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Социальные сети

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Это перспективный вид трафика. Запускайте рекламу в Инстаграм, покупайте размещение и публикации в каналах телеграм, ВК. Обращайте внимание на целевую аудиторию, цены, количество подписчиков.

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Креативы и подходы

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Самая стабильная вертикаль — финансы. Если правильно продумать объявление и запустить рекламу, сможет получать регулярный доход без перебоев. Напишите продающий заголовок и текст, добавьте к ним яркие и привлекательные креативы, дайте объявление. В креативах покажите следующее.

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Но для создания работающего креатива придется потратить время. Возможно, нужно будет привлечь человека, который специализируется именно на разработке креативов. Но это лучше, чем плодить однообразные заголовки и тексты, которые не выделяются среди сотен подобных.

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Какие могут возникнуть сложности?

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Чаще всего сложности возникают у новичков. Они не знают, откуда брать трафик, где покупать рекламу. Некоторые тестируют один продукт и сразу вкидывают всю сумму. Так делать категорически запрещается. Новичкам еще приходится конкурировать с командами опытных маркетологов, которые пользуются скорингом, внедряют разные финансовые витрины и комбинируют способы. Еще одна проблема начинающих в том, что по их ссылке проходят одни и те же пользователи, а новых нет. Но рекламодатели платят за привлечение повторных клиентов суммы скромнее, в итоге доход арбитражника падает. Чтобы этого не произошло с вами. Пользуйтесь разными механиками и комбинируйте способы.

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Специфика вертикали

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Перед рекламой оффера обратите внимание на то, как разрешается подавать продукт от банка или МФО. Учитывайте такие особенности, как сложность воронки продаж, общее количество шагов, варианты оплаты. Если клиенту будет сложно заполнить анкету или пройти несколько ступеней верификации, то это может его оттолкнуть. В итоге потеряете целевую аудиторию. В завершении выделим плюсы финансовой вертикали.

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Если вы планируете зарабатывать на подборе персонала, воспользуйтесь интересным предложением от компании Яндекс. На сайте СРА «Пампаду» вы можете зарегистрироваться и сразу приступить к заработку. Узнайте о тонкостях регистрации, особенности партнерского сервиса Яндекс.   

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Основные условия

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Если по вашей реферальной ссылке человек ознакомиться с вакансией и устроится курьером в Яндекс. Еду, вы получите вознаграждение в размере 11550 руб. Сумма актуальная на момент подготовки материала. Подробнее рассмотрим вопросы регистрации и условия партнерской программы Яндекс, а также получение вознаграждения.

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Регистрация

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Зарегистрируйтесь на сайте «Пампаду» и в главном меню выберите вкладку «Подбор персонала». Перед вами появится список доступных вакансий, где вы выбираете «Курьер в Яндекс Еду».

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Нажмите на карточку, чтобы ознакомиться с подробными условиями. Выплата в размере 11550 руб. выплачивается в течение 30 дней за целевое действие. Это значит, что человек должен стать курьером доставки Яндекс по вашей ссылке, выйти на работу и сделать не менее 5 заказов.

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Для этого вам нужно будет скопировать ссылку работы курьером и вставить на свой ресурс. Это может быть ваш сайт, блог, аккаунт в социальной сети. Вы также можете опубликовать объявление и опубликовать ссылку с предложением о работе. Как видите, никаких сложностей с регистрацией нет, достаточно стать партнером «Пампаду», выбрать вакансию и начать ее распространять. Способы рекламы партнерской программы выбираете сами.

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Партнерская программа

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Если хотите, чтобы ваша реклама сервиса Яндекс принесла доход, внимательно изучите особенности партнерки. В рекламе сказано, что средний доход курьера Яндекс составляет 3400 руб. в день, а график работы свободный. Эти преимущества можно будет использовать в вашем объявлении.

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Обязательно опишите условия работы и процесс оформления. Все это позволит соискателю получить исчерпывающую информацию по вашему объявлению, поэтому он подаст заявку, и уже не будет искать дополнительную информации. Постарайтесь ответить на все возможные вопросы, чтобы именно ваша реферальная ссылка стала полезной.

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На сайте «Пампаду» посмотрите, какой вид трафика по вакансии пункта быстрого питания будет запретный: брокерские компании, Попандер, мотивированный контет и другие. С полным списком ознакомьтесь на сайте. Посмотрите и требования к соискателям, которые предъявляет Яндекс Еда.

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Преимущества

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Среди плюсов партнерской программы Яндекс выделим следующие моменты.

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Условия выплаты

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Чтобы получить вознаграждение вам нужно сделать так, чтобы соискатель устроился курьером в сеть ресторанов Яндекс и сделал более пяти доставок. Компания гарантирует стабильные выплаты, поэтому здесь работают тысячи людей. Главное условие в том, чтобы кандидат сервиса доставки Яндекс зарегистрировался курьером по вашей партнерской ссылке. После этого вы получите уведомление в личный кабинет сайта «Пампаду», а выплату можете вывести любым удобным способом.

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Мы оставляем моментальный вывод средств для физ. лиц и самозанятых в прежнем режиме без ограничений во все праздничные дни. А это значит, что при желании вы сможете поработать, продать несколько продуктов, получить выплату и провести выходные ещё интереснее!

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Продавайте на Пампаду, выводите деньги и дарите радость себе и своим близким в это торжество! С наступающим! ??

Платим, пока вы тратите! В КАБИНЕТ

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Накопительно-ипотечная система обеспечения военнослужащих жильем (НИС) работает в России с 2005 года. Часть категорий военных включается в нее автоматически, часть - добровольно, подав рапорт. Но их всех объединяет одно.

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Ежегодно на счет каждого участника этой системы государство перечисляет накопительный взнос. В этом году он составляет 311 045,05 рубля. Спустя три года человек получает право использовать накопленные деньги в качестве первого взноса, чтобы оформить военную ипотеку. Условия предоставления такого займа таковы, что пока заемщик продолжает служить, кредит за него гасит государство. Из собственных средств он оплачивает расходы на страховку приобретенной квартиры или дома. Таким образом, благодаря накопительно-ипотечной системе решается вопрос обеспечения жильем военнослужащих и их семей.

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Несмотря на то, что военная ипотека имеет ряд специфических особенностей по сравнению с “мирным” ипотечным займом, требования по страхованию на участников этой программы распространяются в той же мере. Согласно Федеральному Закону № 102-ФЗ “Об ипотеке”, заемщик обязан застраховать залоговое имущество от рисков утраты и повреждения на стоимость не ниже чем размер задолженности перед банком-кредитором. Обычно вместе с этим предлагают застраховать жизнь и здоровье заемщика, мотивируя это снижением процентной ставки по ипотечной сделке.

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Особенности страхования по военной ипотеке

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Эта программа ипотеки рассчитана на военнослужащих. Страхование военной ипотеки практически ничем не отличается от “гражданской”. В в зависимости от банка в котором оформлена военная ипотека условия и требования к деталям полиса могут отличаться.

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Обязательным при этом является только страхование жилья, которое приобретается заемщиком. Но некоторые банки предлагают застраховать квартиру (имущество), а также жизнь и здоровье, титул, гарантируя при этом льготную процентную ставку по кредиту.

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Страховые суммы по всем рискам устанавливаются в размере не меньшем, чем остаток ипотечной  задолженности по кредиту, а срок действия обычно совпадает со сроком кредитования. Многие банки допускают оформление годовых полисов с их беспрерывной пролонгацией. 

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Обязательное страхование жилья по военной ипотеке

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Страхование квартиры по военной ипотеке, как и в принципе любой ипотечной недвижимости, является обязательным, это закреплено в законе. Детальные условия каждый банк устанавливает сам.  Чаще всего ограничиваются защитой конструктивных элементов (стены, перекрытия, полы и т.д.), гораздо реже речь идет о комплексном полисе, включающем отделку и инженерное оборудование объекта.

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При этом совсем нет необходимости заключать договор на весь срок ипотечного займа и, уж тем более, платить страховку сразу за весь срок на который выдан кредит. Во-первых, тарифы у страховщиков постоянно меняются. Сегодня оптимальные условия предложила вам одна компания, на следующий год - другая. А во-вторых при досрочном погашении кредита хотя бы частичном, снизится и стоимость полиса. В среднем тариф у разных страховщиков колеблется от 0,1% до 0,2%.

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В настоящее время по программе военная ипотека работают 13 банков. Условия страхования ипотечной недвижимости у них практически идентичны. В полис должен быть включен риск утраты и повреждения залогового объекта.

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Если же речь идет о покупке квартиры в строящемся доме, то страховка оформляется при регистрации на нее права собственности. Страховая сумма устанавливается равной остатку задолженности по кредиту на момент оформления полиса, а срок действия обычно год с его последующей пролонгацией. И так непрерывно до тех пор, пока кредит не будет закрыт.

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Кроме этого один из банков (ПАО «Банк «Санкт-Петербург») требует, чтобы страховка заканчивалась на месяц позже, чем должен быть погашен ипотечный займ. В этом случае возможно сделать генеральный договор с графиком платежей по нему. В случае досрочного погашения части займа, в график платежей вносятся соответствующие изменения.

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Требования по страхованию жизни и здоровья

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В настоящее время предложение личного страхования в рамках ипотечной программы для военнослужащих предусматривается четырьмя банками

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Программы страховой защиты абсолютно идентичны и включают ограниченный набор рисков: смерть и полную потерю трудоспособности - установление инвалидности I и II группы - в связи с впервые диагностированным во время действия полиса заболеванием или обострением хронического заболевания, о котором было заявлено на момент заключения полиса.

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Зачастую военнослужащие в ответ на предложение застраховать жизнь отказываются, аргументируя отказ тем, что уже застрахованы государством. Жизнь военнослужащих действительно застрахована в соответствие с законодательством, но предусматривает страховую защиту только в том случае, когда военнослужащий находится “при исполнении” своих должностных обязанностей.

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Если, например, он уедет в отпуск и попадет под машину, то какими бы тяжелыми не были последствия, он не получит по той страховке ничего. Кроме того, лимит ответственности в этом случае также ограничен, по риску смерть 2 000 000 рублей, по риску инвалидность I группы -  1 500 000 руб. Не факт, что этих денег хватит на погашение ипотечной задолженности. И еще один весомый аргумент: снижение процентной ставки в случае заключения этого договора.

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Стоит добавить, что при заключении договора относительно жизни и здоровья, заемщик будет застрахован дважды. В данном случае это допустимо. Каждая из этих страховок имеет свой нюанс. Личное страхование заемщика обеспечивает ему круглосуточную защиту, но риски военных действий в нем являются исключением. В свою очередь этот риск закрывается обязательной страховкой военнослужащих, но действует она только во время исполнения им своих служебных обязанностей.

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Если отказаться от страховки

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Полностью отказаться от страховки нельзя, так как относительно залогового имущества эта обязанность закреплена Федеральным законодательством. Чем грозит отказ от остальных видов? По сути только более высокой процентной ставкой по кредиту. Некоторые заемщики так и рассуждают, что переплата процентов банку будет меньше, чем стоимость страховки. К сожалению, в критических ситуациях страховка может стать настоящим спасательным кругом. Очень сложно погасить задолженность перед банком, получая пенсию по инвалидности.

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Титульное страхование

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При покупке квартиры или любой другой недвижимости на вторичном рынке есть риск того, что сделка будет опротестована. Поэтому иногда банки предлагают заемщику военной ипотеки застраховать титул. В этом году такое предложение есть только у  АО «БАНК СГБ». Этот договор интересен тем, что он не страхует саму недвижимость.

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По нему страхуется риск утраты права на нее. Т.е. фактически объектом защиты является право собственности, которое переходит от прежнего владельца к настоящему и защищает он от рисков, которые потенциально могут возникнуть, если сделка будет оспорена в судебном порядке.

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Договор титульного страхования не является обязательным, хотя его наличие также может повлиять на снижение процентной ставки. В отличие от остальных страховок, он делается только в течение первых трех лет действия военной ипотеки. Связано это с тем, что после этого данный риск, становится ничтожным в связи с истечением срока исковой давности и аннулирование ипотечной сделки становится невозможным.

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Как выбрать страховую для страхования военной ипотеки

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На сайте банка, одобрившего кредит, нужно посмотреть список аккредитованных в нем страховщиков. Условия и форма договора в каждой из них абсолютно идентичны, разными будут только цены на страховку оформление полиса. Остается их только сравнить.

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Это очень удобно в личном кабинете агента на Пампаду. Вы вводите данные один раз и получаете результат сразу по нескольким компаниям. Можно пойти другим путем и вручную перебирать все подходящие вам страховые компании. Рассмотрим на конкретном примере.

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Допустим, на 2022-2023 гг вы остановили свой выбор на компании “Ингосстрах”. Страховка оформляется онлайн. Достаточно зайти на сайт компании и открыть калькулятор ипотеки. “Ингосстрах” - компания с наивысшим рейтингом надежности, аккредитованная во многих банках. Поэтому ее полис примет любой банк. При оформлении страховки в “Ингосстрах” страховая сумма, как и в любой другой компании, указывается в соответствие с требованием банка, но не меньше задолженности по кредиту.

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Примеры выплат по ипотечному страхованию

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Страховые компании часто публикуют новости о крупных страховых выплатах, в том числе и по ипотечным займам. Например:

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Как видно из приведенных примеров, так нелюбимое многими страхование действительно работает. Причем именно страховка служит зачастую той подушкой безопасности, которой так не хватает в сложных ситуациях.

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Рекомендуем другие записи по схожей теме

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Страхование и военная ипотека

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Необходимо ли страховать квартиру, купленную по военной ипотеке?

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Рисковать своими деньгами не любит никто. Банки не исключение. Поэтому они делают все, чтобы максимально обезопасить себя и защитить свои финансовые интересы. Одним из наиболее распространенных инструментов такой защиты служит страхование.

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Например, когда речь идет об ипотеке, в обязательном порядке страхуется приобретенная за счет кредитных средств недвижимость. Очень часто заемщику предлагают застраховать свою жизнь и здоровье. Это делается добровольно, вернее сказать добровольно-принудительно, так как в этом случае клиенту предоставляют в качестве бонуса снижение процентной ставки.

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А иногда банк обязывает заемщика осуществить титульное страхование по ипотеке. Встречается это не очень часто, хотя для тех, кто покупает жилье по ипотеке на вторичном рынке эта услуга очень актуальна. Разбираемся подробно, что такое титульное страхование недвижимости и от чего оно защищает страхователя.

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Титульное страхование и его особенности

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Обычно страховка защищает либо имущество, либо имущественные интересы страхователя на тот случай, если он случайно причинит кому-нибудь вред. При страховании титула объектом страхования выступает право собственности на приобретенную недвижимость.

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Причем неважно коммерческий это объект, жилой частный дом или квартира в многоэтажке. Договор может быть заключен как до регистрации прав собственника в Росреестре, так и после. Но в любом случае действовать начнет он только тогда, когда новый владелец вступит в законные права и все формальности будут соблюдены.

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Что такое титульное страхование

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Титул — это право собственности на движимое и недвижимое имущество, которое подтверждено документально и на законных основаниях. Страхование титула по ипотеке защищает покупателя квартиры от риска утраты права на нее по каким-либо причинам.

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При приобретении жилья на вторичном рынке могут возникнуть риски того, что сделка будет опротестована и признана ничтожной. В этом случае покупатель проблемного объекта рискует потерять и имущество, и деньги. Да еще и банку останется должен вернуть не выплаченную долю кредита.

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В связи с этим данный вид страхования очень актуален, хотя и не слишком распространен. Ассоциируется он традиционно с ипотечным кредитом, хотя случаи добровольного заключения подобных договоров тоже встречаются.

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Особенности титульного страхования 

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В данном случае страхуется не сам объект недвижимости, а именно право владения им. При этом страховой компании абсолютно все равно сколько лет назад построена та недвижимость, из чего, для чего оно предназначено и т.д. В данном случае значение имеет то, сколько раз переходил объект из рук в руки до ипотечной сделки, сколько человек в нем прописано и т.д.

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Договор носит добровольный, вернее добровольно-принудительный характер. При этом он гораздо полезнее заемщику, чем банку, выдавшему ипотечный займ. Утрата права собственности на объект, купленный в ипотеку, не освобождает человека от обязанностей перед банком.

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Еще одно отличие данного вида страхования в том, что в отличие от других страховок он актуален только первые три года после сделки, ровно столько составляет срок давности, установленный законодательством. По его истечении сделку отменить невозможно.

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Еще одной особенностью титульного страхования является то, что причины, по которым договор может сработать, в нем не перечисляются. Любая из них, не противоречащая законодательству РФ, может привести к страховому случаю и выплате по договору. А вот перечень исключений прописан в обязательном порядке и с ним стоит очень внимательно ознакомиться.

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Риски утраты титула 

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Страхование титула при покупке квартиры на вторичном рынке очень разумно. Вариантов, из-за который покупатель может потерять право собственности, а вместе с ним и само жилье, множество. Начиная от банальной подделки документов и заканчивая неожиданно появившимися наследниками. Условно все их делят на две группы, причем и в том и в другом случае речь идет о судебных исках.

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Виндикационный иск

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Виндикационный иск - это истребование (виндикация) квартиры или дома из незаконного пользования. Происходит это в тех случаях, когда уже после перехода права собственности на объект недвижимости появляется некто, и приводит доказательства, что ранее он владел этим объектом.

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А значит его права были ущемлены при данной сделке. Это может быть наследник, которого не уведомили о вступлении в наследство, или вернувшийся из мест не столь отдаленных гражданин, который когда-то владел частью квартиры, например, и был временно выписан из нее. И в силу обстоятельств просто не знал и не мог повлиять на продажу объекта 

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В этом случае наш заемщик никак не сможет изменить ход событий. Для него главным будет доказать, что он действительно не знал об этих проблемах, сделка была возмездной, и, следовательно, он является добросовестным покупателем. Впрочем, последнее будет несложно, так как в этом случае им были использованы не только личные средства, а и те, которые он получил от банка. Да и вся сделка шла под контролем кредитора.

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Иск о признании совершенной сделки с недвижимостью ничтожной

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Второй вариант, когда ипотечная сделка также может быть опротестована. В этом случае речь идет о том, что при ее совершении были нарушены права законного владельца объекта ипотечной сделки. Например, недееспособного старика или несовершеннолетнего ребенка.

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При совершении подобных сделок много нюансов, которые обязательно нужно учитывать. Так при участии в продаже ребенка, необходимо разрешение на сделку органов опеки. А в случае, когда бывший владелец квартиры находится в весьма пожилом возрасте, обязательно предоставление справок из психоневрологического и наркологического диспансеров. Из-за этого риск того, что в будущем что-то пойдет не так очень велик. И, соответственно, высока вероятность аннулирования сделки в судебном порядке.

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Сколько стоит титул в ипотечном страховании

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Однозначно ответить на этот вопрос нельзя. Тариф зависит от многих факторов. В том числе от того сколько собственников было у этой недвижимости, как она попала к продавцу и сколько лет назад это произошло.

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Дело в том, что ипотечная сделка может быть признана ничтожной только в течение трех лет после ее совершения. Поэтому если предыдущая продажа квартиры, например, была за пару лет до нее, риск утраты титула значительно увеличивается.

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На что обратить внимание при оформлении титульного страхования

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Очень тщательный сбор пакета документов. Ипотечное страхование титула, в отличие от других договоров, связано не с состоянием объекта недвижимости, а с его историей: количеством владельцев, людьми, прописанными в нем, наличием среди них детей или наоборот людей преклонного возраста. Любая страховая компания, которая возьмется рассматривать возможность заключения подобного договора, предоставит вам полный перечень бумаг, необходимых ей для оценки риска. 

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Срок действия страхования: титул, как правило, страхуется первые три года с момента сделки купли-продажи. Если у вас будет заключен генеральный договор, то это будет в нем указано сразу. Если же вы оформляете полисы с годовым сроком действия, то при пролонгации в следующем году не забудьте это учесть. В то же время смысла переплачивать за эту страховку по истечение трехлетнего периода нет. По истечение срока исковой давности опротестовать сделку невозможно.

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Страховая сумма. Банк вполне устроит, если вы заключите договор на сумму, которая будет равна остатку задолженности по кредиту. Или, как требуют некоторые банки, немного ее превысит. Но не забывайте, если наступит страховой случай вы получите ровно столько дней, которое нужно для того, чтобы закрыть кредит. Если же вы хотите обезопасить себя полностью, лучше застраховаться на полную стоимость квартиры или дома. В этом случае если что-то пойдет не так, вы и задолженность погасите, и свои деньги вернете.

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Пакет документов. Для оценки рисков и принятия решения о возможности и условиях страхования понадобится предоставить документы на сам объект сделки, а также документы и от продавца, и от покупателя. Причем, если продавец находится в преклонном возрасте страховщик может затребовать справку из психо и неврологического диспансеров, выданную врачом в присутствии свидетелей.

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Документы на квартиру. В них все должно быть безукоризненно, иначе сделка вряд ли будет одобрена страховщиком и оформить полис не удастся.

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В качестве примера могу привести случай из практики, когда один из клиентов приобрел очень дорогую квартиру и решил застраховать титул добровольно. Случай сам по себе редкий, но и сделка та была весьма странной. Трехкомнатная квартира стояла несколько лет пустой (судя по документам). При этом ее владелец, если верить Свидетельству на право собственности, все это время был прописан на улице. Именно так: область, район, деревня, улица. Без номера дома. Немудрено, что страховать его никто не стал.

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Необходимые документы для оформления страхования титула

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Для страхования титула пакет документов гораздо шире, чем для других договоров. Страховщику понадобится от покупателя паспорт или уставные документы, если в его роли выступает юридическое лицо. А вот от продавца ипотечной квартиры бумаг нужно гораздо больше, ведь именно они позволяют проследить историю объекта:

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  1. Паспорт (уставные документы если продавец организация, а не физическое лицо), причем, как я говорила ранее, в определенных случаях нужно будет документально подтвердить дееспособность продавца
  2. Правоустанавливающие документы 
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Если страховщик сочтет, что предоставленных документов недостаточно, он может запросить дополнительную информацию. Например, поинтересоваться, где будет жить пожилой человек после продажи квартиры и т.д.

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Часто задаваемые вопросы 

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Изменятся ли условия кредитного договора, если не пролонгировать договор страхования титула?

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Да, если его наличие является необходимым требованием для предоставления льготной процентной ставки. Дисконт будет аннулирован и ставка поднимется.

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После приобретения квартиры на вторичном рынке сделка была опротестована в судебном порядке. Суд присудил возврат обеим сторонам всего полученного по сделке. Можно ли в этом случае рассчитывать на выплату от страховой компании по договору страхования титула?

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Да, решение суда является основанием для обращения к страховщику. Но при этом все права на получение денежных средств от оппонента переходит к нему.

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Жизнь заемщика, квартира и титул застрахованы по генеральному договору с ежегодным графиком платежей. Нужно ли уведомлять страховщика о том, что вы решили застраховаться в другом месте на более выгодных условиях?

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Обычно нет. Неуплата очередного взноса по ипотеке означает автоматическое расторжение договора страхования. Но, на всякий случай, лучше детально изучить пункты о досрочном прекращении его действия.

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От чего защищает договор титульного страхования ипотеки?

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В правилах указано, что страховым риском является “имущественные интересы Страхователя (Выгодоприобретателя), связанные с прекращением, обременением (ограничением) права собственности и других вещных прав на недвижимое имущество”, 

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Какие случаи входят в титульное страхование

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В качестве примера можно привести следующие наиболее часто встречающиеся ситуации:

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Для большей наглядности реальная история. Человек приобрел квартиру, а через полгода из мест, не столь отдаленных вернулся брат женщины, которая ее продавала. Он был временно выписан на то время, пока отбывал срок. При этом являлся собственником доли этой жилплощади, которая досталась им с сестрой по наследству после смерти матери. Неудивительно, что, вернувшись домой, он предъявил свои права на данную квартиру. При этом заявил новому владельцу: “Я буду жить здесь, вы мне не мешаете”.

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Можно ли отказаться от титула при ипотеке? 

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Титульное ипотечное страхование относится к добровольным видам, поэтому отказ от него, в принципе, вполне возможен. Но при этом есть риск, что-либо банк откажет вам в выдаче кредита, либо повысит процентную ставку. Но в этом случае можно просто поискать банк, который не выдвигает подобного требования.

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Нестраховые случаи титульного страхования

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Исключения есть из любых правил. Страховщик несет ответственность только в том случае, если исковое заявление в суд поступило в период действия договора. Кроме этой оговорки полис не поможет если:

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Здесь перечислены не все ситуации, в которых данная страховка не поможет. Полный перечень исключений из страхового покрытия есть во всех Правилах страхования, которые являются неотъемлемой частью любого страхового полиса.

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В чем основные отличия апартаментов от квартиры?

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Апартаменты — это коммерческие помещения, которые зачастую используются в качестве жилых.

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Какие плюсы покупки апартаментов?

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  1. Продаются дешевле квартир — в среднем до 30%.
  2. Выгоднее сдавать в аренду, чем квартиры.
  3. Нет ограничений, которые накладываются на перепланировку.
  4. Нет платы за капитальный ремонт.
  5. Как правило, комплексы с апартаментами возводят в районах с развитой инфраструктурой.
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Какие минусы приобретения апартаментов?

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  1. Нельзя оформить “постоянную регистрацию”.
  2. Коммунальные платежи выше, чем в квартирах — в среднем до 30%.
  3. Налог на имущество также больше: для жилой квартиры — 0,1% кадастровой стоимости, для апартаментов — 0,5–2%.
  4. Застройщик может не соблюдать строительные нормы, необходимые при возведении жилых помещений, а также благоустраивать придомовую территорию.
  5. Апартаменты нельзя приобрести за счет средств материнского капитала, с них не получить налогового вычета, нет льгот на оплату коммунальных платежей.
  6. Приставы могут забрать апартаменты в счет погашения долга, даже если это единственное жилье.
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Какие бывают виды апартаментов?

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  1. Апарт-отель — это квартира с гостиничным сервисом. Здесь можно останавливаться на небольшой срок, готовить еду. Есть ресепшн, куда можно обратиться по различным вопросам
  2. Доходный дом — это дом, построенный специально для сдачи жилья в аренду. В отличие от апарт-отелей, номера арендуют на более длительный срок (от одного месяца).
  3. Кондоминиум — это объект недвижимости, которым совместно владеют и управляют несколько собственников. Апартаменты в кондоминиуме можно выкупить для себя или сдавать в аренду.
  4. Многофункциональный комплекс — этот вид больше всех похож на квартиру. В них можно жить, перепродать или сдавать в аренду.
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Можно ли прописаться в апартаментах?

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Апартаменты относятся к коммерческим помещениям, поэтому, в отличие от квартир, “постоянную прописку” в них получить нельзя! Но есть возможность оформить временную регистрацию и неограниченно продлевать ее.

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Важно! Для получения временной регистрации апартаменты должны иметь статус гостиничного типа. В помещениях административно-делового назначения зарегистрироваться не получиться.

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Можно ли оформить полис страхования ипотеки на Пампаду?

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По страхованию Ипотеки уже подключено 3-е страховые компании, по которым можно оформить полисы Имущество и Комбинированный (Жизнь+Имущество). 

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Полис Жизни можно оформить по всем 8-ми страховым компаниям.

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Важно! “Тип имущества” не прописывается в условиях полиса Жизни. И его можно отдельно оформить по любой страховой компании и с любым “Типом имущества”.

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Какое КВ я получу за полис?

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Мы платим самое высокое КВ на рынке, не используем маркетинговых уловок ДО и т.п. У нас конкретное вознаграждение получает каждый агент, работающий с нами напрямую! Подробнее здесь

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Отличается ли процент КВ при страховании квартир от апартаментов?

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Мы не используем таких разделений, а платим конкретное вознаграждение всем агентам, независимо от выбранного типа продукта работающим с нами напрямую!

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Страхуйте ипотеку на Пампаду, получите лучшие условия и зарабатывайте больше! ? ПЕРЕЙТИ В КАБИНЕТ

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Коллеги, на связи Пампаду.ру, совсем недавно появился слух, что среди страховых агентов существуют супермены или как мы их называем мультиагенты, которые зарабатывают во много раз больше, чем остальные. Мы решили разобраться в чем же их секрет успеха!

Уже продолжительное время на Пампаду.ру можно продавать не только страховые продукты, будь то ипотека, ОСАГО, Каско, миниКаско и т.д, но и финансовые и HR-офферы. Сначала пользователи нашего сервиса не охотно пользовались финансовыми продуктами, но теперь ситуация абсолютно другая и вот почему:

Агент который продает помимо страховых продуктов, еще и финансовые - зарабатывает в 3 раза больше, чем его коллега, который использует в работе только страховки.

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Почему же так происходит?

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Давайте пройдемся по конкретным примерам, которые мы увидели на платформе. Отчетный период возьмем декабрь месяц и посмотрим конкретные кейсы.

P.S. Все персонажи и детали истории реальные и да, так может каждый))

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Кейс - 1

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Большего всего на финансовых продуктах в декабре заработал агент с именем Сергей, 208 000 рублей - он получил комиссии. Сергей оформил 28 кредитных карт Газпромбанка, вознаграждение за одну оформленную карту Газпромбанка составляет 7600 рублей, 7600 рублей КАРЛ, когда средняя комиссия за ОСАГО - 700 рублей. Чтобы заработать 208 000 рублей продавая ОСАГО, Сергей должен был оформить 297 полисов, вместо 28 карт Газпромбанка.

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Кейс - 2

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Другой агент Ксения заработала 136000 рублей продавая финансовые офферы. Она оформила 15 кредитных карт Газромбанка и 6 дебетовых карт от разных банков. КВ за Газпромбанк 7600 рублей, среднее КВ за дебетовую карту - 1000 рублей. Чтобы заработать 136 000 рублей продавая ОСАГО, Ксения должна была оформить 194 полиса, вместо 15 карт Газпромбанка и 7 дебетовых карт.

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Кейс - 3

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Иван заработал 116 000 рублей продавая финансовые продукты на Пампаду. Он оформил 12 кредитных карт Газпромбанка и 7 дебетовых карт от разных банков. Чтобы заработать 116 000 рублей продавая ОСАГО, Иван должен был оформить 165 полисов, вместо 12 карт Газпромбанка и 7 дебетовых карт.

Мы хотим, чтобы пользователи Пампаду.ру зарабатывали больше и повышали качество своей жизни. У каждого страхового агента есть пул клиентов, которые ему доверяют и оформляют страховые полисы не 1 год подряд, также есть близкий круг знакомых и родственников, предлагайте финансовые продукты своим клиентам и знакомым и становитесь суперменами среди агентов!

Зарабатывайте в 3 раза больше занимаясь страхованием вместе с Пампаду.ру!

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Перейти в кабинет
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С любовью к своему делу,
команда Пампаду.ру!

\n', 'Стань мульти-агентом и зарабатывай в 3 раза больше!', 'Агент который продает помимо страховых продуктов, еще и финансовые - зарабатывает в 3 раза больше, чем его коллега, который использует в работе только страховки.', 'publish', 'open', 'open', '', 'stan-multi-agentom-i-zarabatyvaj-bolshe', '', '', '2023-01-26 15:28:43', '2023-01-26 15:28:43', '', 0, 'https://pampadu.ru/blog/?p=1943', 0, 'post', '', 6), (1944, 13, '2023-01-26 15:28:35', '2023-01-26 15:28:35', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-32', '', '', '2023-01-26 15:28:35', '2023-01-26 15:28:35', '', 1943, 'http://pamtest.ru/wp-content/uploads/2023/01/1030h502-2.jpg', 0, 'attachment', 'image/jpeg', 0), (1959, 13, '2023-02-01 09:30:41', '2023-02-01 09:30:41', '\n

Впервые на Пампаду! Разыгрываем престижную технику от компании Apple за продажи финансовых продуктов в феврале и марте.

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Как принять участие?
Продавайте финансовые продукты в период с 1.02.2023 по 31.03.2023 и участвуйте в розыгрыше супер призов от Пампаду и банков партнеров:

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Macbook Air 2022 M2 - в номинации «Звезда Пампаду» - от 51 продажи
iPhone 14 128 ГБ - в номинации «Сильный лидер» - 36-50 продаж
Apple Watch Series 8 41мм - в номинации «Уверенный игрок» - 16-35 продаж
Apple AirPods Pro 2 - в номинации «Успешный старт» - 5-15 продаж

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Среди номинированных участников в каждой категории случайным образом будет определен один победитель.

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⚙️ Для того, чтобы все активные агенты попали в каждую из номинаций, по конверсиям совершённым в период с 01.02.2023 по 31.03.2023 количество продаж для каждого агента будет посчитано с учетом «докатов» в апреле, а уже 19.05.2023 мы опубликуем результаты розыгрыша и имена победителей!

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Желаем удачи, участвуйте и выигрывайте! ?

\n', 'Яблочный джем - выиграй Macbook Air 2022 и другие сладкие призы!', 'Впервые на Пампаду! Разыгрываем престижную технику от компании Apple за продажи финансовых продуктов в феврале и марте.', 'publish', 'open', 'open', '', 'yablochnyj-dzhem-vyigraj-macbook-air-2022-i-drugie-sladkie-prizy', '', '', '2023-02-01 09:30:41', '2023-02-01 09:30:41', '', 0, 'https://pampadu.ru/blog/?p=1959', 0, 'post', '', 7), (1960, 13, '2023-02-01 09:30:24', '2023-02-01 09:30:24', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-33', '', '', '2023-02-01 09:30:24', '2023-02-01 09:30:24', '', 1959, 'http://pamtest.ru/wp-content/uploads/2023/02/1030h502.jpg', 0, 'attachment', 'image/jpeg', 0), (1962, 13, '2023-02-03 10:22:36', '2023-02-03 10:22:36', '\n

Только вчера стартовал «Яблочный джем» розыгрыш за продажи финансовых продуктов, но это ещё не всё! Спешите выиграть денежные призы до 20 000 рублей за продажи страхования в феврале!

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? Как принять участие?

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Оформляйте полисы ОСАГО и попадите в список участников, в зависимости от кол-ва проданных полисов. В каждой категории будут выбраны по 2 победителя.

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2 победителя— по 20.000 рублей — нужно оформить минимум 55 полисов

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2 победителя — по 10.000 рублей — нужно оформить минимум 40 полисов

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2 победителя — по 5.000 рублей — нужно оформить минимум 20 полисов

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Оформите больше всех полисов Ипотеки и выиграйте до 10.000 рублей!

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3 победителя — по 10.000 рублей

6 победителей — по 5.000 рублей

9 победителей — по 1.000 рублей

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⚠️ Акция распространяется только на агентов, работающих с нами в статусе физ. лица и самозанятого. А это значит, что шансы для них увеличиваются в разы!

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⏱ Акция действует в период с 2.02.2023 по 1.03.2023

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Итоги розыгрыша будут подведены до 10 марта.

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Желаем удачи и хороших продаж! ?

\n', 'Страховой бум! Выиграй до 20 000 рублей за продажи ОСАГО и Ипотеки в феврале', 'Только вчера стартовал «Яблочный джем», но это ещё не всё! Спешите выиграть денежные призы до 20 000 рублей за продажи страхования в феврале!', 'publish', 'open', 'open', '', 'strahovoj-bum-vyigraj-do-20-000-rublej-za-prodazhi-osago-i-ipoteki-v-fevrale', '', '', '2023-02-03 10:22:36', '2023-02-03 10:22:36', '', 0, 'https://pampadu.ru/blog/?p=1962', 0, 'post', '', 0), (1963, 13, '2023-02-03 10:22:12', '2023-02-03 10:22:12', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-34', '', '', '2023-02-03 10:22:12', '2023-02-03 10:22:12', '', 1962, 'http://pamtest.ru/wp-content/uploads/2023/02/1030h502-1.jpg', 0, 'attachment', 'image/jpeg', 0), (1971, 13, '2023-02-13 09:30:25', '2023-02-13 09:30:25', '\n

Уважаемые коллеги

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Раньше достаточно было указать серию и номер полиса, а остальные данные были дополнительными и актуализировались страховыми компаниями. Не всегда данные подгружались в соответствии с требованиями РСА и  расчеты уходили в отказ.

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В результате анализа и опираясь на наш опыт был доработан блок «Предыдущий Полис».

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Теперь при уточнении предыдущего полиса нужно обязательно заполнять следующие поля:

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Где взять информацию по предыдущему полису?

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Наиболее популярный способ - это запросить необходимые данные у страхователя.

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Найти эту информацию можно:На печатной/электронной форме полиса;
1.1. Серия предыдущего полиса - нужно сверить с предыдущим бланком и выбрать доступную серию из выпадающего списка.
1.2. Номер предыдущего полиса - нужно сверить с предыдущим бланком и указать в соответствующем поле.
1.3. Дата окончания предыдущего полиса - нужно сверить с предыдущим бланком и указать в соответствующем поле.
1.4. Страховая компания по предыдущему полису - нужно сверить с предыдущим бланком и выбрать доступную СК из выпадающего списка.

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2. Самостоятельно найти нужный полис на сайте РСА по ГРЗ/VIN/Номеру кузова или шасси ТС:
2.1. Серия предыдущего полиса - нужно сверить с сайтом РСА и выбрать доступную серию из выпадающего списка.
2.2. Номер предыдущего полиса - нужно сверить с сайтом РСА и указать в соответствующем поле.
2.3. Дата окончания предыдущего полиса - нужно проверить предполагаемую ДНД на сайте РСА и прибавить к ней + 12 месяцев (максимум, если пред. полис был оформлен на соответствующий период) и указать в соответствующем поле.
2.4. Страховая компания по предыдущему полису - нужно сверить с предыдущим бланком и выбрать доступную СК из выпадающего списка.

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Рекомендованный нами способ - не указывать предыдущий полис на 1-м шаге. Наши внутренние алгоритмы проверят наличие пред. полиса и выведут/заполнят самый актуальный из них.

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Какой из способов использовать решает каждый пользователь индивидуально.

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Желаем приятных продаж?.

\n', '⚙️Выпустили приятное улучшение - изменился блок «Предыдущий Полис»', 'Раньше достаточно было указать серию и номер полиса, а остальные данные были дополнительными и актуализировались страховыми компаниями. Не всегда данные подгружались в соответствии с требованиями РСА', 'publish', 'open', 'open', '', 'vypustili-priyatnoe-uluchshenie-izmenilsya-blok-predydushhij-polis', '', '', '2023-02-13 09:30:25', '2023-02-13 09:30:25', '', 0, 'https://pampadu.ru/blog/?p=1971', 0, 'post', '', 0), (1972, 13, '2023-02-13 09:30:10', '2023-02-13 09:30:10', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-35', '', '', '2023-02-13 09:30:10', '2023-02-13 09:30:10', '', 1971, 'http://pamtest.ru/wp-content/uploads/2023/02/1030h502-2.jpg', 0, 'attachment', 'image/jpeg', 0), (1975, 13, '2023-02-14 13:15:16', '2023-02-14 13:15:16', '\n

Уважаемые коллеги⚠️!

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Мы прислушались к вашим отзывам и пожеланиям по продукту Ипотека.
Результат - выпустили два приятных обновления.

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Были переработаны⚙️:
фильтры предварительного расчета;
способ выбора типа полиса.

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  1. Добавлен новый фильтр - “Тип имущества”.
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\"\"/
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При выборе соответствующего типа имущества - результат предварительного расчета покажет предложения с указанным Типом имущества.

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2. Изменили способ выбора типа полиса. Теперь панель выглядит так:

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Добавили подсказку выбранного типа полиса. Чтобы проверить ее наведите курсор мыши на соответствующую кнопку/ки типа полиса.

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Вторая подсказка появиться в выдаче предложений страховых по выбранному типу полиса.

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Обновления затронули личный кабинет агента и все виджеты. Дополнительных настроек вносить не нужно.

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Результат обновлений - это плодотворная работа команды Пампаду. 

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Хороших продаж ?

\n', 'Ипотека - обновили предварительный расчет!', 'Мы прислушались к вашим отзывам и пожеланиям по продукту Ипотека. Результат - выпустили два приятных обновления.\n', 'publish', 'open', 'open', '', 'ipoteka-obnovili-prdevaritelnyj-raschet', '', '', '2023-02-14 13:15:16', '2023-02-14 13:15:16', '', 0, 'https://pampadu.ru/blog/?p=1975', 0, 'post', '', 0), (1976, 13, '2023-02-14 13:14:53', '2023-02-14 13:14:53', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-36', '', '', '2023-02-14 13:14:53', '2023-02-14 13:14:53', '', 1975, 'http://pamtest.ru/wp-content/uploads/2023/02/1030h502-3.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (1982, 15, '2023-03-02 11:01:31', '2023-03-02 11:01:31', '\n

Работа страхового агента привлекает многих: свободный график, неплохой доход. отсутствие контроля со стороны сурового начальства и т.д. К тому же теперь, когда работать можно не выходя из дома, эта профессия становится еще востребованнее. Подрабатывать таким образом может любой: и сотрудник автопарка, и молодая мама в декрете. Портит картину только одно обстоятельство: отсутствие у агента гарантированного ежемесячного заработка. Вполне понятно, что любой человек прежде, чем начать работать, хочет знать, за какие деньги он это будет делать. попробуем дать ответ на этот вопрос в нашей статье.

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Сколько зарабатывает страховой агент

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Точную цифру, тем более если речь идет про агента-новичка, назвать практически нереально. С одного заключенного договора страхования можно заработать и 100 рублей и в тысячу раз больше. Все будет зависеть от того какие виды страховых продуктов вы продаете, в каком количестве и какое вознаграждение по агентскому договору платят вам ваши партнеры - страховщики. По одним и тем же полисам комиссия у разных страховых компаний может отличаться весьма существенно, поэтому даже при одних и тех же объемах собранных по договорам средств, агентское вознаграждение также бывает разными.

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С чего начать новичку

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Самое первое, что вам необходимо сделать, если вы решили попробовать себя в роли агента на рынке страховых услуг, это заключить агентский договор со страховой компанией или онлайн-агрегатором, который также даст вам возможность работать в этом качестве. После вы получаете доступ в свой личный кабинет и именно агентский договор регламентирует порядок взаимодействия со страховщиком, и, в том числе, ваше комиссионное вознаграждение.

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Второй вопрос (или первый), который задает себе каждый человек, который начинает осваивать новую сферу деятельности: “С чего начать работать?”. Страховой бизнес и работа страхового агента не исключение. Понятно, что каждому хочется быстрее начать заключать солидные договора с пяти, а то и шестизначной комиссией, но сразу это навряд ли получится. Поэтому начинать лучше всего с самого известного вида страхования ОСАГО. Для страхового агента здесь целый ряд преимуществ. Судите сами:

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Параллельно освоению автогражданки стоит изучить варианты полисов КАСКО. Машин, приобретенных в кредит, сейчас очень много и это прекрасное поле деятельности для агента. При покупке их страхуют в салоне, а вот на следующий год свои услуги им вполне можете предложить и вы. Ну, а для тех, кому данная страховка не по плечу, можно подобрать вариант договора на случай, если они пострадают в ДТП от незастрахованного водителя. Стоимость этих полисов невелика, оформляются они так же предельно просто, и при этом позволяют их владельцу избежать неприятных ситуаций. Поэтому они довольно востребованы.

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В дальнейшем вы сами определите для себя, что предпочтительнее, расширять перечень страховых услуг и переходить к более серьезным договорам, или продолжать развиваться в сфере автострахования. С одной стороны, взносы здесь относительно невелики, но, в свою очередь, поиск клиентов гораздо проще.

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Возможен ли агентский договор без вознаграждения

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Агентский договор всегда носит возмездный характер. Согласно ч.1. ст.1005 ГК РФ “По агентскому договору одна сторона (агент) обязуется за вознаграждение совершать по поручению другой стороны (принципала) юридические и иные действия от своего имени, но за счет принципала либо от имени и за счет принципала”. Размер вознаграждения агента может быть прописан прямо в тексте договора или в отдельном приложении, но, в любом случае, эта информация в нем содержится в обязательном порядке. Если в процессе совместной деятельности страховая компания захочет изменить размер комиссии, принципал обязан уведомить об этом агента и оформить дополнительное соглашение к основному договору. Данный документ обязательном порядке подписывается обеими сторонами и является неотъемлемой частью агентского договора. Один экземпляр остается на руках у агента, а второй у страховщика.

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Как устанавливается вознаграждение агента по агентскому договору

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Обычно в страховой компании существуют базовые ставки комиссии в рамках агентского договора и именно они используются для определения размера агентского вознаграждения при заключении договора с агентом. Но не стоит думать, что это догма. Во-первых, в последнее время именно по ОСАГО размер агентского КВ у многих компаний меняется практически ежемесячно. Во-вторых, при определенных объемах продаж размер комиссионного вознаграждения по агентскому договору, зачастую, происходит в индивидуальном порядке. размер комиссии для успешных страховых агентов и брокеров может обсуждаться индивидуально. Поэтому сейчас, как никогда, для агента выгодно работать с несколькими страховщиками и самостоятельно определяться, кто их них на сегодняшний день, предлагает вам наиболее выгодные условия.

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Стоит отметить, что у многих страховых компаний в агентском договоре указываются и виды страхования, которыми имеет право заниматься агент. Поэтому если вы решили расширить ассортимент своих услуг, то и в договор со страховой компанией обязательно внести соответствующие изменения.

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Что влияет на величину агентского вознаграждения

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Не стоит путать понятия “величина агентского вознаграждения” и “заработок агента”. Агентское вознаграждение, т.е. комиссия, которую платит страховщик в размере определенного процента от стоимости заключенного с помощью агента договора, зависит от нескольких факторов:

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Величина размера вознаграждения агента во многом зависит от следующих причин:

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Как увеличить свой доход

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Вопрос, который волнует каждого, независимо от сферы его деятельности. Что можно посоветовать страховому агенту, который всерьез хочет развиваться в этом бизнесе и увеличивать свой доход? Прежде всего постоянно увеличивать свою клиентскую базу. Делать это можно несколькими способами:

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Как производится оплата по агентскому договору

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При заключении агентского договора вы указываете свои банковские реквизиты, по которым принципал обязан перечислять агентское вознаграждение. Если вы сотрудничаете с платформой-агрегатором, то по окончании месяца выставляете счет на сумму, указанную в вашем личном кабинете агента и деньги, приходят на счет. Если вы работаете со страховой компанией, выплата вознаграждения будет произведена только после полной оплаты и сдачи всех договоров, оформленных в прошедшем месяце. В основном это касается тех агентов, которые работают с юридическими лицами, так как в этом случае оплата договора производится по счету, и страховая компания иногда требует предоставить копию платежного поручения. Естественно, если речь идет об электронных полисов. В остальном все аналогично. Вы подписываете акт выполненных работ и выставляете счет (если работаете в качестве ИП).

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Некоторые аспекты получения процентов от стоимости

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Почему-то именно доход страхового агента волнует многих больше всего. Никого не удивляет, что, например продавец в магазине, взвешивая колбасу, тоже зарабатывает на покупателе. Но вот то, что, работая страховыми агентами, люди тоже зарабатывают деньги, как ни странно, задевает очень многих.

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Нередко встречаются автовладельцы, которые считают, что у страхового агента только одна цель - впарить полис подороже. К сожалению, такие случаи действительно бывают. Преследуя сиюминутную выгоду, агент продает договора с максимальной стоимостью и после этого просто прощается с клиентом.

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Если вы собираетесь работать в этом бизнесе долго и всерьез, то старайтесь предложить клиенту полис, который максимально удовлетворяет его требования в сочетании цены и качества. В этом, кстати, очень удобно использовать сервис онлайн-платформы, где вы видите несколько расчетов цены полиса сразу по нескольким компаниям. Если вы предлагаете более дорогой вариант, то объясните почему вы так делаете. В итоге и этот клиент останется с вами, и еще порекомендуют вас кому-нибудь. В сухом остатке обороты растут, а вместе с ними и доход от работы.

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Итоги

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Комиссия агента, установленное условиями договора, может быть самым разным. Но в большей степени агентское вознаграждение зависит от самих страховых агентов. Если раньше заработок агента был напрямую привязан к месту его проживания, то сейчас все гораздо проще. В режиме онлайн можно работать по всей России. Сотрудничество с рядом страховых компаний и несколькими онлайн-площадками позволяет выбирать партнеров, которые предлагают наиболее высокое агентское вознаграждение. Кроме того, страховой бизнес один из немногих, в котором вы можете начать работать и зарабатывать практически с нуля, не вкладывая собственных средств и обучаясь в процессе работы. Стоит отметить, что навыки, полученные при продаже страховых услуг, такие, как умение продавать и договариваться, очень востребованы. Многие страховые агенты расширяют сферу деятельности и начинают работать и на продажах финансовых услуг. Это особенно удобно при сотрудничестве с онлайн-площадками, которые предлагают своим партнерам большой перечень и страховых и финансовых продуктов. Например, все это доступно в личном кабинете агента на Пампаду. А чем больше ассортимент товаров вы предлагаете своим клиентам, тем выше ваш доход. И не забывайте, каждый договор страхования, это не только сиюминутная выгода. Прежде всего это перспектива. Сегодня клиент застраховал у вас ОСАГО, а завтра, возможно, вы будете страховать его бизнес.

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Группа страховых компаний “Югория” является в настоящее время одной из крупнейших страховых компаний России и продолжает активно и динамично развиваться. В том числе и за счет растущей агентской сети. Сегодня поговорим о том, как стать агентом этой компании, как происходит регистрация агентского кабинета и его функциональных возможностях.

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Личный кабинет Югория: как зарегистрироваться и пользоваться страховым сервисом

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“Югория”, как и любая другая страховая компания, старается создать своим агентам для работы максимально комфортные условия. Но доступ в личный кабинет агент получает только после того, как будет заключен агентский договор. Поэтому если вы решили работать с этой компанией, то начать стоит или с визита в один из ее офисов, или просто оставить заявку на сайте. На вкладке “Карьера в Югории” наряду с информацией о требующихся специалистах есть большая “кнопка”: “Стать агентом”. 

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Нажимаете на нее, переходите на следующую страницу и заполняете открывшуюся форму:

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Отправляете данные, спустя какое-то время с вами свяжется менеджер компании, ответственный за работу с агентами. Обычно это сотрудник ближайшего к вам офиса, так как хоть функционал ЛК и позволяет работать в онлайн-режиме персональный наставник будет вам весьма полезен.

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После того, как ваши документы пройдут проверку службы безопасности и других специалистов, агентский договор будет подписан и вам предоставят доступ в агентский кабинет.

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Вход в личный кабинет

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После подписания агентского договора на вашу электронную почту придет письмо, в котором будет ссылка на агентский портал компании, а также ваши личные логин и пароль. Эта информация строго конфиденциальна и передавать ее вы не имеете права никому, даже своему куратору. Страница входа выглядит следующим образом:

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Ставим галочку “Вход без кода”, вводим логин и пароль. При этом абсолютно не важно, являетесь ли вы агентом физическим лицом или юридическим, алгоритм идентичен для всех. Любой агент, независимо от его статуса, может зайти в агентский портал компании через его личный кабинет с помощью своего личного индивидуального логина и пароля. У большинства страховых компаний, как и у компании “Югория” вход осуществляется на специальном агентском портале.

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Иногда задают вопрос: “А можно ли войти в агентский кабинет через Госуслуги?” В самом деле, сейчас этот сайт позволяет открыть доступ к многим сервисам, в том числе и к личным кабинетам пользователей услуг страховщиков. Но есть один очень серьезный нюанс. С помощью этого портала вы можете зайти только в кабинет клиента страховой компании, доступ же к агентскому ЛК дается только индивидуально, после подписания агентского договора и на специальном ресурсе.

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Возможности зарегистрированного пользователя

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Как и у всех страховщиков, у страховой компании “Югория” личный кабинет агента прежде всего нацелен на то, чтобы его владельцу было максимально комфортно в нем работать.

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Условно его можно разделить на два больших блока: рабочее пространство в котором непосредственно осуществляется оформление полисов и личное, в котором пользователь видит необходимую ему информацию: статистику продаж, график очередных взносов и т.д. Теперь о каждом из них расскажем подробнее.

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При входе в систему вы попадаете на главную страницу. Здесь находится информация о страховых продуктах, которые доступны агенту при работе в ЛК, перечень их довольно широк. Это и ОСАГО, КАСКО, имущественное и медицинское страхование и т.д., а также программы, рассчитанные на оказание услуг малому бизнесу.

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Кроме этого, здесь же располагается новостная лента, на которой публикуются новости компании, рассказывается о новых видах страхования и т.д. Есть и разные полезные “мелочи”. Например, можно воспользоваться встроенным сервисом склейки изображений, что очень удобно при загрузке документов, или распечатать бланк извещения о ДТП.

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Иногда клиенты обращаются с просьбой помочь им в той или иной ситуации, например внести изменения в договор страхования или обратиться в компанию при страховом случае и т.д. Возможность внести изменения в действующий полис у клиентов при этом безусловно есть. Это прямо предусмотрено законодательством РФ и договором страхования. Но, к сожалению, у агента таких возможностей нет. Все обращения получателей страховых услуг могут направляться в компанию через их собственный личный кабинет.

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Оформление полисов

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 Для того, чтобы оформить тот или иной договор страхования, вы заходите в пункт меню “новый договор” и в выпадающем меню выбираете интересующую вас программу. Заполняете открывшуюся форму и делаете расчет.

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Разберем этот процесс на примере оформления полиса ОСАГО.

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На первой вкладке заполняются сведения о транспортном средстве. Процесс автоматизирован, что позволяет значительно экономить ваше время и избегать ошибок. Достаточно ввести госномер автомобиля и информацию о нем будет заполнена. Вам останется только немного ее дополнить.

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Переходим на следующую вкладку. Здесь определяется срок действия полиса, форма оплаты, срок платежа и вид страхового полиса. Большинство из них в настоящее время оформляется в электронном виде, что значительно упрощает документооборот и облегчает работу агента.

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И третья вкладка, на которой вносится информация о Страхователе, Собственнике ТС и водителях, допущенных к управлению.

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После того, как все пункты будут заполнены, нажимаем внизу: “Рассчитать и сохранить”.  Если все заполнено правильно вы увидите стоимость полиса, если же вы что-то пропустили, программа сообщит об том, выделив вкладки, информация на которых нуждается в корректировке.

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После того, как электронный полис успешно рассчитан и сохранен, можно его “выпускать”.  И, конечно же, оплачивать. Оплата возможна разными способами. Можно отправить клиенту ссылку на оплату на его телефон или электронную почту, можно принять наличные и провести платеж самостоятельно, программа сама формирует необходимые отчетные документы, а также можно сформировать и выставить счет клиенту.

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Последнее очень удобно при работе с юридическими лицами. Если оплата производилась по ссылке, платеж “привязывается” автоматически, если же платили по счету, то сведения заносятся вручную на вкладке полиса “Платежи”.

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Работать над договором страхования можно несколько дней, что очень удобно если клиент, например при оформлении КАСКО, затрудняется с выбором нужного ему полиса. Черновик полиса сохраняется в системе и всегда можно к нему вернуться для того, чтобы с помощью функции кроссирования перебрать варианты

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Еще один положительный момент данного агентского сервиса — это возможность кроссирования одних договоров в другие. Например, если вы оформили клиенту ОСАГО, можно быстро рассчитать для него же КАСКО, страховку от несчастного случая или страхование квартиры. Конечно, если речь пойдет о недвижимости, данные о ней вносить все равно придется, но та информация, которая уже есть в программе, подтянется к новому договору из исходного.

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Перечень программ, доступных агентам, достаточно широк. Несколько вариантов оформления КАСКО, различные программы для страхования недвижимости - домов, квартир, имущества юридических лиц, страхование от несчастного случая, в том числе и спортивные страховки.

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Возможности зарегистрированного пользователя

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Кроме оформления полисов, зарегистрированному пользователю доступен еще ряд функций, которые, с одной стороны, не имеют прямого отношения к продажам страховых продуктов, но, в то же время, оказывают на этот процесс серьезное влияние.

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Речь идет о “личной” зоне владельца, ФИО которого указывается в правом верхнем углу экрана. При нажатии на него открывается еще одно меню, в котором также несколько вкладок: личная страница, профиль пользователя, сервис склейки изображение и т. Еще одна из них называется “Облако знаний”, на ней остановимся более подробно.

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Уже по названию можно догадаться, что за ней скрывается учебный портал. Здесь очень много полезной информации: сведения о страховых продуктах, руководства по заключению договоров, информация о технике продаж, рекламные материалы и т.д. Это позволяет агентам расширять свои знания как о видах страхования, так и совершенствовать технику продаж, что, в свою очередь, напрямую связано с их доходами.

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Поддержка

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Палочка-выручалочка для любого агента. В случае, если зависла система, случайно ошиблись при оформлении полиса, не грузятся фотографии - пишем в поддержку. Ее специалисты придут на помощь. Нажимаете на свое ФИО, в выпадающем меню выбираете “поддержка” и пишете свое обращение.

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Восстановление пароля от ЛК

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В случае, если вы забыли пароль и не можете войти в систему, пугаться не стоит. Для решения проблемы есть несколько вариантов:

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Функционал личного кабинета

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 После того, как агент получает логин и пароль для входа в личный кабинет в страховой компании “Югория”, ему становятся доступны следующие возможности:

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Контактные данные для связи

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В личном кабинете страхового агента “Югории” на вкладке “Поддержка” указан телефон Федерального контактного центра компании и электронная почта службы технической поддержки. Кроме этого, здесь же находится ссылка для перехода на официальный сайт компании и техническое руководство пользователя корпоративной учетной системы.

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Заключение

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На мой взгляд личный кабинет страхового агента СК “Югория” очень комфортен. Простой интерфейс, возможность кроссировать страховые продукты из одних в другие, широкий спектр страховых продуктов, все это позволяет быстро и качественно делать котировки полисов и, соответственно, подбирать клиенту оптимальные условия страхования в кратчайшие сроки. Еще одно несомненное преимущество данного сервиса - обучающие материалы, причем не только по самим страховым продуктам, но и по их продажам. А все мы прекрасно знаем, насколько важно уметь продавать свои знания.

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? Который час?
Верно, пора объявлять результаты акции «Страховой бум»

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В период с 02.02.2023 по 01.03.2023 среди агентов, работающих с нами в статусе физ. лица и самозанятого проходил розыгрыш, где каждый из вас мог выиграть денежные призы.

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⚡️ Подробнее об условиях прошедшей акции читайте здесь.

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Как и обещали, было определено:

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ОСАГО:
2 победителя— по 20.000 рублей
Продали: 185 полисов
2 победителя — по 10.000 рублей
Продали: 82 полиса
2 победителя — по 5.000 рублей
Продали: 51 полис

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Ипотека:
3 победителя — по 10.000 рублей
Продали: 56 полисов
6 победителей — по 5.000 рублей
Продали: 69 полисов
9 победителей — по 1.000 рублей
Продали: 73 полиса

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Список победителей можно посмотреть здесь

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? Призы уже начислены в личном кабинете и доступны к выводу!

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?Благодарим всех за участие!
Команда Пампаду. ру

\n', 'Результаты акции «Страховой бум»', 'Результаты акции «Страховой бум» по продуктам ОСАГО и Ипотека. Список победителей можно увидеть прямо сейчас.', 'publish', 'open', 'open', '', 'rezultaty-aktsii-strahovoj-bum', '', '', '2023-03-09 13:51:22', '2023-03-09 13:51:22', '', 0, 'https://pampadu.ru/blog/?p=1997', 0, 'post', '', 0), (1999, 13, '2023-03-09 13:50:21', '2023-03-09 13:50:21', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-39', '', '', '2023-03-09 13:50:21', '2023-03-09 13:50:21', '', 1997, 'http://pamtest.ru/wp-content/uploads/2023/03/1030h502-2.jpg', 0, 'attachment', 'image/jpeg', 0), (2003, 13, '2023-03-14 09:29:26', '2023-03-14 09:29:26', '\n

Уважаемые коллеги, мы доработали форму заполнения данных по продукту страхование Ипотеки.

Появилось 4 фичи, которые помогут упростить и ускорить сам процесс. Расскажем по порядку о каждой из них:

1. “Кем выдан” - поле в котором выбирается название подразделения, которое выдало паспорт. Теперь оно автоматически заполняется, когда вводится “Код подразделения”

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\"\"
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2. “Площадь квартиры” - поле в котором указывается площадь страхуемого имущества. Теперь оно автоматически заполняется, когда вводится “Адрес страхуемого объекта”.

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\"\"
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3. “Рыночная стоимость” - поле в котором указывается рыночная стоимость страхуемого объекта. Теперь оно автоматически заполняется, когда вводится “Адрес страхуемого объекта”.

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\"\"
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4. “Кадастровый номер” - поле в котором указывается кадастровый номер страхуемого объекта. Теперь оно автоматически заполняется, когда вводится “Адрес страхуемого объекта”.

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\"\"
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Все данные берутся из открытых источников. Рекомендуем перед оформление сверить данные, которые алгоритм авто заполнил с реальной информацией.

Мы предоставляем самые выгодные условия для агентов:
-субсидируем полисы ипотеки для вас, чтобы достигать рекордного КВ на рынке 60% по ипотечному страхованию
-комиссия за оформление ипотеки начисляется сразу
-оформление занимает всего 10 минут

Хороших продаж команда Пампаду. ру

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12:07:46', '2023-03-14 12:07:46', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/03/screencast-2023-03-14-01-54-21-1-2.gif', 0, 'attachment', 'image/gif', 0), (2033, 1, '2023-03-14 12:24:51', '2023-03-14 12:24:51', '', 'screencast-2023-03-14-01-54-21-12', '', 'inherit', 'open', 'closed', '', 'screencast-2023-03-14-01-54-21-12', '', '', '2023-03-14 12:24:51', '2023-03-14 12:24:51', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/03/screencast-2023-03-14-01-54-21-12.gif', 0, 'attachment', 'image/gif', 0), (2034, 1, '2023-03-14 12:25:10', '2023-03-14 12:25:10', '', 'screencast-2023-03-14-01-54-21-13', '', 'inherit', 'open', 'closed', '', 'screencast-2023-03-14-01-54-21-13', '', '', '2023-03-14 12:25:10', '2023-03-14 12:25:10', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/03/screencast-2023-03-14-01-54-21-13.gif', 0, 'attachment', 'image/gif', 0), (2035, 1, '2023-03-14 12:27:00', '2023-03-14 12:27:00', '', 'screencast-2023-03-14-01-54-21-14', '', 'inherit', 'open', 'closed', '', 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`wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (2044, 13, '2023-03-15 10:57:29', '2023-03-15 10:57:29', '\n

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У нас приятная новость. По страхованию ипотеки мы повышаем вознаграждение по СБербанку в СК Зетта.

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? Платим 48% всем агентам

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Что можно застраховать через Зетта?
Имущество
Жизнь
Жизнь+Имущество (комбинированный)

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Доступный банк:
Сбербанк

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По СК возможно оформить полис на «Тип имущества»:
Квартиры.

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Условия:
Срок страхования — 1 год
Минимальная ДНД — +1 день от даты оформления
Лимит по страховой сумме — до 20 млн. ₽
Лимит по возрасту — до 60 лет
Лимит по году постройки дома — не старше 1953 г.

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Простой расчёт по 4-м параметрам и не требуется согласования, подгрузки документов. Застраховать можно, практически любую квартиру.

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Страховая компания аккредитована Сбербанком.

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? Успейте оформить полис по СК на максимально выгодных условиях.

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Отличных продаж.

\n', 'Повышение КВ по ипотеке в СК Зетта', 'Приятная новость. По страхованию ипотеки мы повышаем вознаграждение по СБербанку в СК Зетта.', 'publish', 'open', 'open', '', 'povyshenie-kv-ipoteka-v-sk-zetta', '', '', '2023-03-15 10:57:29', '2023-03-15 10:57:29', '', 0, 'https://pampadu.ru/blog/?p=2044', 0, 'post', '', 0), (2045, 1, '2023-03-15 10:52:42', '2023-03-15 10:52:42', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-3', '', '', '2023-03-15 10:52:42', '2023-03-15 10:52:42', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/03/1030h502-1-3.jpg', 0, 'attachment', 'image/jpeg', 0), (2046, 1, '2023-03-15 10:52:50', '2023-03-15 10:52:50', '', '1030h502-1-3-150x150-1', '', 'inherit', 'open', 'closed', '', '1030h502-1-3-150x150-1', '', '', '2023-03-15 10:52:50', '2023-03-15 10:52:50', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/03/1030h502-1-3-150x150-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2048, 1, '2023-03-15 10:58:48', '2023-03-15 10:58:48', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-4', '', '', '2023-03-15 10:58:48', '2023-03-15 10:58:48', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/03/1030h502-1-4.jpg', 0, 'attachment', 'image/jpeg', 0), (2054, 13, '2023-03-16 12:06:29', '2023-03-16 12:06:29', '\n

Друзья, коллеги и профессионалы страхового рынка, у нас в компании открывается супер важная и интересная вакансия с огромными перспективами роста.

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?Мы ищем сильного руководителя страховых онлайн продуктов:
ОСАГО, Ипотека и впоследствии других запускаемых.
Необходимо будет возглавить команду этих продуктов и заниматься активным их развитием, отвечая как за продуктовую разработку, back log, так и за P&L этих продуктов.
Работа в тесном контакте с основателем и другими отделами компании.

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Мы знаем, что на канал Пампаду подписано много талантливых специалистов и мастеров своего дела. Возможно именно ты тот, кого мы ищем. Если интересно развивать страховые продукты на агентской площадке №1, хочется перемен и реализации своего потенциала, то читай подробности по ссылке на HH.ru и откликайся на вакансию.

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?Команда Пампаду.ру

\n', 'Работа в Пампаду - Product Owner ОСАГО и Ипотека.', 'Ищем в команду талантливого сотрудника. Если интересно развивать страховые продукты, откликайся на вакансию.', 'publish', 'open', 'open', '', 'rabota-v-pampadu-product-owner-osago-i-ipoteka', '', '', '2023-03-16 12:06:29', '2023-03-16 12:06:29', '', 0, 'https://pampadu.ru/blog/?p=2054', 0, 'post', '', 0), (2055, 1, '2023-03-16 12:05:25', '2023-03-16 12:05:25', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-3', '', '', '2023-03-16 12:05:25', '2023-03-16 12:05:25', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/03/1030h502-2-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2059, 13, '2023-03-17 10:26:36', '2023-03-17 10:26:36', '\n

Только вчера мы рассказали о вакансии Product Owner ОСАГО и Ипотека, как уже сегодня еще одна возможность присоединиться к команде.

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Мы ищем руководителя партнерской сети (HR вертикаль) который займется активным развитием этого уже запущенного и проверенного направления.

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➕Основным преимуществом работы является то, что мы только развиваем эту вертикаль и у соискателя есть уникальная возможность сделать свой вклад в развитие, реализовать свои идеи.

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За подробностями как всегда на HH.ru по ссылке.
Если подходите и есть интерес, то откликайтесь и мы с удовольствием пообщаемся.

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?PS Поделитесь с коллегами и друзьями, если знаете что им будет интересна эта вакансия.

\n', 'Вакансия в Пампаду—Руководитель HR вертикали', 'Ищем руководителя партнерской сети HR вертикаль,который займется активным развитием этого уже запущенного и проверенного направления.', 'publish', 'open', 'open', '', 'vakansiya-v-pampadu-rukovoditel-hr-vertikali', '', '', '2023-03-17 10:26:36', '2023-03-17 10:26:36', '', 0, 'https://pampadu.ru/blog/?p=2059', 0, 'post', '', 0), (2061, 1, '2023-03-17 10:26:18', '2023-03-17 10:26:18', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-4', '', '', '2023-03-17 10:26:18', '2023-03-17 10:26:18', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/03/1030h502-2-2.jpg', 0, 'attachment', 'image/jpeg', 0), (2064, 13, '2023-03-21 12:58:52', '2023-03-21 12:58:52', '\n


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? Посоветуй кандидата и получи 30.000 рублей

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На прошлой неделе мы опубликовали две вакансии в команде Пампаду:

1. Product Owner ОСАГО и Ипотека

2. Руководитель HR вертикали

Мы готовы заплатить 30 тыс. руб. тому, кто посоветует/приведет подходящего кандидата, который к нам присоединится и пройдет испытательный срок.

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Как это работает? Все очень просто:

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  1. Расскажите о вакансии своему коллеге или другу, который как вам кажется подходит под одну из вакансий.
  2. Заполните эту ➡️форму

    указав ФИО потенциального кандидата или пускай на собеседовании скажет, что пришел от вас.
  3. Если по результатам собеседования кандидат присоединится к нам и пройдет испытательный срок, то мы заплатим вам 30 тыс. руб.
\n\n\n\n

?PS Поделитесь с коллегами и друзьями, если знаете что им будет это интересно

\n', 'Посоветуй кандидата и получи 30.000 рублей.', 'Получите вознаграждение за рекомендацию того, кто посоветует/приведет подходящего кандидата, который к нам присоединится и пройдет испытательный срок!', 'publish', 'open', 'open', '', 'posovetuj-kandidata-i-poluchi-30-000-rublej', '', '', '2023-03-21 12:58:52', '2023-03-21 12:58:52', '', 0, 'https://pampadu.ru/blog/?p=2064', 0, 'post', '', 0), (2065, 1, '2023-03-21 12:58:21', '2023-03-21 12:58:21', '', '1030х502 (4)', '', 'inherit', 'open', 'closed', '', '1030h502-4-3', '', '', '2023-03-21 12:58:21', '2023-03-21 12:58:21', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/03/1030h502-4.jpg', 0, 'attachment', 'image/jpeg', 0), (2068, 13, '2023-03-27 12:17:11', '2023-03-27 12:17:11', '\n

Коллеги, в декабре мы подключили моментальные выплаты физическим лицам на Пампаду, скорость варьировалась от 1 минуты до нескольких дней.

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✅ Теперь мы усовершенствовали процесс и ВСЕ физические лица уже получают выплаты МОМЕНТАЛЬНО.

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Всем, кто ожидал, выплаты были начислены, можете проверить поступления на карту.

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Самозанятые продолжают получать выплаты за 1 минуту на самых выгодных условиях.

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Узнать подробнее можно здесь.

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Мы работаем над быстрыми выплатами юридическим лицам, скоро абсолютно все агенты будут получать выплаты быстро!

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Следите за новостями!

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❣️Хороших продаж, команда Пампаду!

\n', 'Быстрые выплаты физическим лицам', 'Добавили мгновенные выплаты для физических лиц. Мы работаем над быстрыми выплатами юридическим лицам, скоро абсолютно все агенты будут получать выплаты сразу!', 'publish', 'open', 'open', '', 'bystrye-vyplaty-fizicheskim-litsam', '', '', '2023-03-27 12:17:11', '2023-03-27 12:17:11', '', 0, 'https://pampadu.ru/blog/?p=2068', 0, 'post', '', 0), (2069, 1, '2023-03-27 12:17:00', '2023-03-27 12:17:00', '', '1030х502 (4)', '', 'inherit', 'open', 'closed', '', '1030h502-4-4', '', '', '2023-03-27 12:17:00', '2023-03-27 12:17:00', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/03/1030h502-4-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2073, 13, '2023-03-27 13:57:16', '2023-03-27 13:57:16', '\n

Привет, коллеги!

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Мы решили провести вебинар по страхованию КАСКО, где у вас будет возможность узнать:

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? Спикеры:

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Анна - Product manager личного кабинета и офлайн продуктов.
Ольга - Руководитель отдела расчётов КАСКО.

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Начало: 30 марта в 14:00 по МСК в Telegram-канале Пампаду.

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❗️ Подключайтесь к трансляции и готовьте вопросы, вы сможете задать их в конце эфира!

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Также у вас есть возможность отправить нам свои вопросы заранее — заполните форму.

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? Включите уведомления, чтобы не пропустить. Вместе с вами разберем актуальные вопросы и начнем успешно зарабатывать на Пампаду и получать мгновенные выплаты!

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Ждём вас, команда Пампаду!

\n', 'Обучающий вебинар для пользователей Пампаду.', 'Вебинар по страхованию КАСКО. Не пропустите 30.03.2023 в 14:00 по МСК в Telegram-канале Пампаду. ', 'publish', 'open', 'open', '', 'obuchayushhij-vebinar-dlya-polzovatelej-pampadu', '', '', '2023-03-27 13:57:16', '2023-03-27 13:57:16', '', 0, 'https://pampadu.ru/blog/?p=2073', 0, 'post', '', 0), (2074, 1, '2023-03-27 12:41:10', '2023-03-27 12:41:10', '', '1030х502 (5)', '', 'inherit', 'open', 'closed', '', '1030h502-5-2', '', '', '2023-03-27 12:41:10', '2023-03-27 12:41:10', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/03/1030h502-5.jpg', 0, 'attachment', 'image/jpeg', 0), (2078, 13, '2023-03-28 10:29:14', '2023-03-28 10:29:14', '\n

Уважаемые коллеги поо продукту страхование Ипотеки доступна пролонгация полисов.

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Пролонгировать можно только:

\n\n\n\n\n\n\n\n

Как работает:

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Теперь в разделе “Все полисы” появилась кнопка “Пролонгировать”.

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При нажатии кнопки интерфейс перебрасывает на страницу предрасчета.

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Обязательно нужно изменить “Сумму остатка по кредиту” на актуальную на день продления.

\n\n\n\n

В списке определиться с страховой компанией.
Если не менять страховую компанию необходимо нажать кнопку “Продолжить”. В случае, если решили сменить - нажать кнопку “Купить полис”.

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\n\n\n\n

Все ранее заполненные данные по прошлому полису заполняться в карте автоматически. Дата начала будет следующий день за датой окончания прошлого полиса.

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Вам необходимо лишь выполнить 3 действия:

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  1. Заполнить недостающие данные 
  2. Проверить правильность
  3. Нажать кнопку “Оформить полис”.
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Хороших продаж, команда Пампаду

\n', 'Пришло время пролонгировать Ипотеку!', 'Пролонгируйте Ипотеку вместе с Пампаду! Читайте подробнее как можно пролонгировать полисы в личном кабинете!', 'publish', 'open', 'open', '', 'prishlo-vremya-prolongirovat-ipoteku', '', '', '2023-03-28 10:29:14', '2023-03-28 10:29:14', '', 0, 'https://pampadu.ru/blog/?p=2078', 0, 'post', '', 0), (2079, 1, '2023-03-28 10:27:22', '2023-03-28 10:27:22', '', '1030х502 (6)', '', 'inherit', 'open', 'closed', '', '1030h502-6-2', '', '', '2023-03-28 10:27:22', '2023-03-28 10:27:22', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/03/1030h502-6.jpg', 0, 'attachment', 'image/jpeg', 0), (2087, 13, '2023-03-30 09:46:18', '2023-03-30 09:46:18', '\n

Произошли определенные обновления КБМ, о которых стоит знать водителям. Узнать про ключевые изменения вы можете далее. 

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КБМ (коэффициент бонус-малус) представляет собой показатель, зависимый от страховой истории автомобилиста. Чем меньше КБМ, тем ниже стоимость страхового полиса. При определении КБМ ОСАГО принимается во внимание число страховых случаев, которые произошли за прошлый год. Полезно знать, когда обновляется КБМ в 2023 г., чтобы приблизительно рассчитать цену страховки.

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КБМ — это индивидуальный показатель аварийности, который участвует в расчетах ОСАГО/КАСКО.

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Основные изменения в тарифах ОСАГО

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Изменение КБМ в 2023 году распространяется сразу на всех автомобилистов. Коэффициент  учитывает безаварийную эксплуатацию машины, влияет на стоимость полиса. Если за прошлый год аварий из-за автомобилиста не было, новая страховка будет стоить меньше. В противном случае будет стоить дороже.

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В 2023 г. перемен в правилах определения коэффициента нет. В последний раз их изменяли в 2022 г. Тогда страховка стала стоить меньше для аккуратных автомобилистов.

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Выделяют 3 показателя:

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ЦБ РФ стремится к расширению тарифного коридора страховок. Это позволит страховщикам назначать сниженный тариф аккуратным автомобилистам, повышенный – рисковым, нарушающим ПДД. С осени 2022 г. минимальная базовая ставка страховки для физлиц равна 1646 руб., максимальная – 7535 руб. Для юрлиц и лицензированных таксистов действуют собственные показатели.

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Представители ЦБ России заявляют, что из-за большого количества аварий, разницей между уровнем водителей и недооцененности тарифных планов сильнее всего расширится коридор для таксистов. Это обеспечит воздействие рублем на неаккуратных водителей такси.

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В таблице мы показали как изменятся коэффициенты КБМ с 1 апреля.

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КоэффициентКласс КБМ на период КБМ
32
3,92М
2,940
2,251
1,762
1,173
14
0,915
0,836
0,787
0,748
0,689
0,6310
0,5711
0,5212
0,4613
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Базовая ставка и тарифный коридор ОСАГО в 2023 год

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Базовая ставка и тарифный коридор ОСАГО в 2023 г. таковы:

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Ставку помножают на региональный коэффициент, равный 0.64-1.99.

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Тарифный коридор ОСАГО с учетом регионального коэффициента в Москве в 2023 году

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Для столицы Российской Федерации условия следующие:

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Какие факторы влияют на цену ОСАГО

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Таких факторов много. В таблицах коэффициентов принимаются во внимание субъект РФ, где зарегистрирован водитель, мощность машины, возраст гражданина. При этом некоторые персональные факторы для расчета базовой ставки отданы на откуп страховщикам. Им наложили запрет лишь на дискриминирующие факторы (национальность, вероисповедание).

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На стоимость полиса влияют срок использования машины, частота езды. Используя телематику, возможно узнать стиль езды водителя. К косвенным факторам относится наличие семьи. Люди, у которых есть дети, водят сдержанно. Также более сдержанно водят те, у кого есть другая собственность, кроме машины.

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Подорожают ли полисы ОСАГО

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В ЦБ РФ полагают, что текущие тарифные планы весьма сбалансированы. Сегодня они зависят не только от существующего коридора, но и от страховщиков. Тем не менее, завышение расценок вряд ли произойдет. Для рынка характерна высокая конкурентность. Страховщики борются за аккуратных водителей.

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Для предотвращения завышения расценок страховщикам поставили потолок цены страховки. Стоимость полиса не может быть больше базового тарифа с учетом регионального коэффициента больше, чем в 3 раза.

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Какие еще коэффициенты изменятся

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Раньше в ЦБ РФ изменили и иные существующие показатели. К ним относятся возраст, стаж водителя. Небольшие изменения, учитывающие статистические данные, произошли по всем возрастам. В обновленной системе водители подразделяются на 58 групп, где учитываются возраст, водительский опыт.

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Коэффициенты регионов пока не затрагивают. Их планировали отменить в 2022 г. Определили, что регион проживания имеет лишь косвенное влияние на уровень риска. Личные качества гражданина куда важнее. Однако быстрый отказ от существующей системы вряд ли возможен.

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Новые правила техосмотра в 2023 году

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Для покупки полиса больше не требуется предоставлять диагностическую карту. Однако это актуально лишь для автомобилей физических лиц. Обусловлено это тем, что не везде в РФ нормально работают пункты ТО. Кроме того, ДТП из-за неисправного состояния автомобилей в общем количестве аварий совсем немного – 0.1% по информации ГИБДД.

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Теперь страховщики имеют право выполнять продажу страховок по более высокой цене тем гражданам, которые не прошли ТО. При этом послабления в законодательной базе не освобождают от необходимости прохождения техосмотра. С 01.03.2022 штраф за управление автомобилем, не прошедшим техосмотр, равен 2000 руб. До этого он не превышал 800 руб. Кроме того, теперь штраф может быть выписан камерами.

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Проверить КБМ можно при помощи нашего сервиса

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Если возникнут вопросы, вы всегда можете написать в чат поддержки!


Следите за обновлениями, команда Пампаду!

\n', '1 апреля обновился КБМ ОСАГО', 'Изменения КБМ с 1 апреля!\nАктуальные данные уже в статье с таблицей коэффициентов. ', 'publish', 'open', 'open', '', 'izmenenie-kbm-s-1-aprelya', '', '', '2023-03-30 09:46:18', '2023-03-30 09:46:18', '', 0, 'https://pampadu.ru/blog/?p=2087', 0, 'post', '', 1), (2088, 1, '2023-03-30 09:44:51', '2023-03-30 09:44:51', '', '1030х502 (5)', '', 'inherit', 'open', 'closed', '', '1030h502-5-3', '', '', '2023-03-30 09:44:51', '2023-03-30 09:44:51', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/03/1030h502-5-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2094, 13, '2023-04-01 11:10:00', '2023-04-01 11:10:00', '\n

За период акции «Яблочного джема» мы вместе с участниками отправили в банк 16 000 заявок .
Активность проявили 3300 агентов и уже через месяц узнаем, кто победит в каждой номинации и заберет главный выигрыш MacBook Air 2022.

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19.05.2023 опубликуем результаты розыгрыша и имена победителей!

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? Кто не смог принять участие, не расстраивайтесь, скоро будут запущены акции и каждый сумеет побороться за призы!

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❣️Участвуйте и выигрывайте вместе с Пампаду!

\n', 'Собираем урожай «Яблочного джема»', 'Закончилась акция «Яблочного джема». Итоги 19.05.2023 и мы узнаем, кто победил главный приз!', 'publish', 'open', 'open', '', 'sobiraem-urozhaj-yablochnogo-dzhema', '', '', '2023-04-01 11:10:00', '2023-04-01 11:10:00', '', 0, 'https://pampadu.ru/blog/?p=2094', 0, 'post', '', 0), (2095, 1, '2023-03-31 14:00:39', '2023-03-31 14:00:39', '', '1030х502 (6)', '', 'inherit', 'open', 'closed', '', '1030h502-6-3', '', '', '2023-03-31 14:00:39', '2023-03-31 14:00:39', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/03/1030h502-6-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2097, 1, '2023-03-31 14:03:21', '2023-03-31 14:03:21', '', '1030х502 (7)', '', 'inherit', 'open', 'closed', '', '1030h502-7-2', '', '', '2023-03-31 14:03:21', '2023-03-31 14:03:21', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-7.jpg', 0, 'attachment', 'image/jpeg', 0), (2098, 13, '2023-04-01 12:50:00', '2023-04-01 12:50:00', '\n

Это не шутка!

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Теперь вам не придется тратить время на то, чтобы искать выгодные варианты по банковским продуктам, самые выгодные предложения на Пампаду!

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Это не розыгрыш, это реальность!

— Высокие ставки;
— Мгновенные выплаты;
— Постоянная поддержка нашей команды.

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Партнеры, все подробности будут опубликованы ➡️
в канале.

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Подписывайтесь чтобы быть в курсе новостей по банковским продуктам – первыми!

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? С любовью к своему делу, команда Пампаду ру!

\n', 'Повышаем ставки на ВСЕ банковские продукты!', 'Повышаем ставки на ВСЕ банковские продукты!\nТеперь вам не придется тратить время на то, чтобы искать выгодные варианты по банковским продуктам, самые выгодные предложения на Пампаду!', 'publish', 'open', 'open', '', 'povyshaem-stavki-na-vse-bankovskie-produkty', '', '', '2023-04-01 12:50:00', '2023-04-01 12:50:00', '', 0, 'https://pampadu.ru/blog/?p=2098', 0, 'post', '', 0), (2099, 1, '2023-03-31 14:20:26', '2023-03-31 14:20:26', '', '1030х502 (8)', '', 'inherit', 'open', 'closed', '', '1030h502-8-2', '', '', '2023-03-31 14:20:26', '2023-03-31 14:20:26', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/03/1030h502-8.jpg', 0, 'attachment', 'image/jpeg', 0), (2103, 13, '2023-04-03 11:37:30', '2023-04-03 11:37:30', '\n

В арбитраже трафика используется своя терминология или сленг. Если вы планируете получать прибыль на арбитраже, изучите термины, научитесь анализировать информацию и высчитывать среднюю прибыль. За счет этого удастся сократить издержки и можно будет увеличить прибыль. В статье мы расскажем о том, что такое EPC в арбитраже, как высчитывается, что означает. Подробно объясним, что такое CR и с чего начать работу.

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Что такое EPC и почему он важен для арбитража?

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EPC - эта аббревиатура расшифровывается как earn per click и означает приблизительный доход, который удастся получить при покупке трафика. Например, если по данным EPC 2 руб., то такую прибыль в среднем удастся получить с посетителя. ЕРС — показатель заработка со 100 переходов.

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В партнерке при арбитраже рассчитывается значение между всеми, кто льет на оффер. Это говорит о том, что значение на самом деле среднее. У кого-то этот показатель будет выше, а у кого-то ниже. Например, если 9 арбитражников заработали 2 руб., а один заработал 38 руб., то среднее значение будет отображаться в 4 руб.

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С чего начать новичку?

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Для начала выясним значение EPC — средний заработок со 100 переходов. Эта аббревиатура отображает средний доход по предложению или офферу с одного клика. В расчетах — это отношение полученного дохода с партнерки к числу кликов. Соответственно, чем больше этот показатель, тем выше уровень дохода вебмастера с одного клика.

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Новички часто забывают, что EPC демонстрирует исключительно доход и не учитывает затраты. Арбитражнику нужно самостоятельно прогнозировать доход с партнерки. Обо всем подробнее расскажем ниже. 

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Как увеличить показатель EPC?

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Представим, что вы нашли нужный оффер, с помощью которого планируете получить прибыль. Теперь нужно провести тесты, что позволит убедиться в том, что рекламная кампания настроена правильно. Сделать это можно так.

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Для правильно оптимизации сделайте следующее.

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Важно. Если лендинг неудачный, нет полноценного креатива, оптимизация рекламы не поможет арбитражнику увеличить продажи. Это значит, что помимо оптимизации нужно работать над креативом и лендингом.

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Но возникает вопрос, как определить, что оптимизация в маркетинге выполнена без ошибок? Модель статистики в арбитраже поможем во всем разобраться. Изучите статистику посещения за разные периоды времени. Обратите внимание на значение. Пример, если данные за неделю выше по сравнению с трехдневным периодом, оптимизация проведена правильно. В случае падения значения ЕРС, вы допустили ошибку при настройке.

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Как использовать EPC при работе с трафиком?

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Если ваши партнерки предлагают выгодные офферы, а вы не хотите сливать бюджет на постоянные тесты, выбирайте максимально выгодные предложения. После того как выбор сделан, запустите рекламную кампанию. Предположим, вы готовы купить 5 тыс. кликов, но в качестве теста начните с 200-500.

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Если значение ниже среднего, значит, задумайтесь над оптимизацией или измените лендинг. Когда данные ближе к средним EPC или даже превышают эту цифру, значит, вы все сделали правильно

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Как высчитывается в рекламе EPC?

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Как мы уже выяснили выше, показатель EPC по формуле выглядит так: EPC = (Доход / Клики). Чтобы было понятно, давайте рассмотрим на примере партнерки в арбитраже. Арбитражник на оффер привлек 1000 кликов. В итоги получил 5 продаж, где комиссия составила 500 рублей. Заработок составил: 500*5= 2500 рублей.

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Подставляем значения в формулу и получаем что показатель EPC = 2,5, т. к. 2500/1000= 2,5. На этот показатель лучше всего ориентироваться при выборе оффера, но не забывайте, что это не абсолютное значение. Это означает среднюю прибыль вебмастера, которую можно прогнозировать. В партнерской сети на главной странице есть такие сведения и можно посмотреть результат. Иногда сведения отображаются отдельно для разных ГЕО.

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Получается, что значение отображает соотношение целевых действий к общему количеству пользователей. Если в партнерской сети среднее значение выше, чем у вас получилось, то это говорит о том, что вы с ошибками настроили рекламную кампанию. Арбитражник должен стремиться к тому, чтобы этот показатель был примерно таким же или даже выше. Чем выше конверсия с партнерской сети, тем больше удастся заработать на арбитраже. Чтобы не сливать весь бюджет, запланированный на рекламную кампанию, протестируйте рекламу. Посмотрите, сколько человек купило продукт и высчитайте значение EPC.

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Норма показателя EPC 

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Актуальных и усредненных значений для всех офферов не существует. Есть ниши, где EPC достигает 150 рублей, а в других сферах он не превышает и 5 рублей. Главное опираться на то, сколько денег было потрачено на рекламу, а сколько удалось заработать.

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Но все равно в партнерской сети хотелось бы знать, какое значение нормальное, а какое нет.

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После запуска рекламной кампании и начала слива трафика EPC должен превышать стоимость клика. Например, если вы получили 1500 кликов и вышли в плюс, значит для вас показатель хороший. Но когда значение меньше стоимости клика, значит, вы уходите в минус.

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Чтобы было понятно, как это работает в арбитраже трафика и работе с партнерской сетью, рассмотрим на примере. Предположим, через тизерную сеть вы покупаете трафик 1 клик = 1 рублю. На партнерку вы слили 3 тыс. руб. ии 3 тыс. кликов. В итоге получили заказы на 6 тыс. руб. Это значит, что  значение= 2 рубля, при ваших затратах в 1 рубль. В итоге ваша прибыль составила 3 тыс. руб. Но если значение будет равно 0,7 или 0,8 руб., вы ушли в минус и не только не заработали, но и потеряли. Предположим, с переходов вебмастера заработали 25000 руб., а слили на 10 тыс.. Это говорит о том, что вы заработали, а не потеряли деньги.

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Что такое CR в арбитраже трафика?

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CR (conversion rate) - коэффициент конверсии, количество или процент пользователей, которые сделали целевое действие. Например, подписались, заполнили анкету или сделали покупку. Например, с 1000 переходов вебмастера целевое действие совершили 10 человек. Это значит, что CR в арбитраже трафика равен 1%.

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Формула расчета выглядит так: Количество посетителей, которые делали целевое действие нужно разделить на общее количество людей и умножить на 100%. Пример расчета мы разобрали выше.

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CR в арбитраже применяется для отображения реальных результатов и позволяет понять, сколько было заработано.

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Основные CPA Термины

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Особенности CPA

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Если планируете больше зарабатывать, после изучения СРА терминов, приступайте к анализу. Тестируйте рекламные кампании, но старайтесь не сливать весь бюджет сразу. Даже когда нашли определенную нишу, не забывайте, что значения меняются. Многое зависит и от самого продукта, на который покупаете трафик. Если с одним у вас высокий показатель дохода, то с аналогичными настройками можно слить бюджет на другом товаре.

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Выбирайте партнерки, где большое количество предложений, которые регулярно пополняются. За счет этого любой арбитражник найдет подходящий оффер и сможет получать прибыль. Чтобы сразу не сливать бюджет, пробуйте привлекать клиентов бесплатно. Например,  через свой сайт, социальные сети. Поле этого можно будет тестировать продажу через тизерную и контекстную рекламу. 

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Подводим итоги

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Чтобы осмысленно выбирать офферы, начинающему арбитражнику нужно освоить терминологию. Основные термины мы рассмотрели и рассказали простыми словами. Теперь вы знаете, что если EPC в рекламе ниже средних значений, рекламная кампания настроена неверно. Требуется провести оптимизацию или сменить лендинг. 

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Помимо этого мы вкратце разобрали, что такое CR в арбитраже трафика и на что влияет. Эти данные отображают процент посетителей, которые совершили целевое действие. В статье выяснили, что если ваши партнерки предлагают выгодные офферы, а вы не хотите сливать бюджет на тесты, выбирайте максимально выгодные предложения.

\n', 'CPA термины: что такое EPC и CR в арбитраже трафика?', 'Рассказываем что такое EPCи CPA в арбитраже трафика простыми словами. Зачем учитывать в рекламе формулы расчёта бюджета, партнерский маркетинг и арбитраж. Показатель вебмастера, средний доход клика, все CPA термины', 'publish', 'open', 'open', '', 'cpa-terminy-chto-takoe-epc-i-cr-v-arbitrazhe-trafika', '', '', '2023-04-03 11:37:30', '2023-04-03 11:37:30', '', 0, 'https://pampadu.ru/blog/?p=2103', 0, 'post', '', 0), (2104, 1, '2023-04-03 11:36:56', '2023-04-03 11:36:56', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-40', '', '', '2023-04-03 11:36:56', '2023-04-03 11:36:56', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (2106, 13, '2023-04-03 11:42:51', '2023-04-03 11:42:51', '\n

Что в арбитраже трафика означает высказывание apruv? Для арбитражников или владельцев сайтов — это важное значение, которое отображает процент подтвержденных лидов. В арбитраже апрув напрямую влияет на доход арбитражника. Если этот показатель низкий, вы просто сольете деньги. Давайте подробно разберем, что такое апрув в арбитраже трафика и расскажем все простыми словами. После прочтения материала у вас не останется никаких вопросов.

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Что влияет на величину apruv?

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По партнерской программе можно получать солидные выплаты, если соблюдать все правила. На величину лида апрувов влияет число заявок, которые были подтверждены рекламодателем. Давайте подробно разберем, какие показатели оказываю влияние на апрув.

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С чего начать новичку?

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Для начала новичку нужно понять, что такое арбитраж трафика. Арбитраж трафика - это когда вы берете в работу оффер и начинает привлекать клиентов, чтобы они совершали целевые действия. Апрув - это какой процент пользователей совершил целевое действие, а рекламодатель одобрил эти заявки.

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Например, вы купили трафик, и по вашей ссылке было оформлено 50 заказов. Но рекламодатель проверил и 20 заявок отклонил. В итоге из оставшихся 30 заявок рекламодатель их всех обзвонил. И выяснилось, что еще 10 отказались от оформления продукта. Это значит, что апрув ставил 20 заявок, за которые арбитражник и получит вознаграждение.

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Процент апрува может быть низким или высоким, но новичку нужно четко следовать правилам оффера. Именно с этого нужно начинать всем арбитражникам, которые хотят заработать. Например, если в рекламе нельзя было использовать определенные слова и выражения, а вы об этом забыли, выплату могут отклонить. В итоге снизится процент апрува. Некоторые рекламодатели запрещают лить трафик из социальных сетей или определенных ресурсов, что также нужно учитывать при выборе оффера.

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Как можно повлиять на апрув арбитражнику?

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Мы уже выяснили, что показатель, демонстрирующий количество подтвержденных покупок или заказов — это апрув. Но может ли арбитражник повлиять на это? Да, для этого ему нужно проработать рекламную кампанию, оценить качество трафика. Низкий апрув или высокий также зависит от следующих действий арбитражника

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Зависимость апрува от CPA сети 

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Неорганизованность CPA сети часто приводит к тому, что падают показатели. Встречается и шейф в арбитраже или обман, когда заявку СРА-сеть отклоняет, хотя по факту рекламодатель ее оплатил. Но чаще всего, если был средний апрув, а потом резко упал, то это не всегда значит, что со стороны арбитражника допущена ошибка. Есть вероятность, что СРА сеть к этому причастна.

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Важно выбирать сеть не только, по отзывам, но и качеству работы. Большое количество офферов не всегда говорит о том, что площадка работает честно. Протестируйте, посмотрите, оцените работу сети.

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Какие средние показатели approve в CPA сетях?

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У каждого рекламодателя, сети и колл-центра, свой показатель. Если вы уже выбрали партнерку, теперь давайте посмотрим на показатель apruv.

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В странах ЕС и СНГ среднее значение апрува составляет в районе 42-45%. В Италии и Испании это значение опускается до 35%, а в Азиатских странах достигает 50%.

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Один из самых высоких средних значений апрува в Румынии — 75%. Если выбрали Индию, то здесь показатель довольно низкий и редко превышает 10%. Но если брать среднее значение апрув по Европе и СНГ, то получается в районе 45%.

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Где увидеть показатели approve?

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Если работаете с партнеркой «Пампаду», выберите оффер и посмотрите процент подтверждения. Например, если работает с займами от компании «Быстроденьги», то процент подтверждения составляет 17%. Это значит, что из 100 оставленных заявок компания подтвердила 17.

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По кредитной карте Газпромбанка показатель составляет 23%, а вознаграждение арбитражнику — 7600 рублей. Это говорит о том, что из 100 поданных заявок на оформление кредитки, компания одобряет 23. Благодаря этим данным показатель апрув в арбитраже помогает оценить арбитражнику процент заработка и подсчитать сумму вложений.

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Чтобы не уйти в минус, пользуйтесь следующей схемой. Например, показатель апрув составляет 53%, стоимость заявки, которую подтвердил рекламодатель — 300 рублей. Это значит, что затрата на лид не должна превышать 159 рублей, чтобы не уйти в минус.

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Какие действия можно предпринять при проседании approve?

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Причины низкого apruv мы уже выяснили, теперь давайте поговорим о том, что делать при проседании этого показателя. В этом случае лучше самому написать в службу поддержки. 

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Если работаете с «Пампаду», то таких ситуаций практически не бывает. В других СРА сетях встречались такие случаи, когда после слива трафика значение апрува резко падало. Если служба поддержки не помогает, а вы думаете, что это шейв в арбитраже трафика, лучше сменить партнерку.

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Проверка в личном кабинете

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Зайдите в личный кабинет партнерки «Пампаду» и перейдите на оффер, который вас интересует. Здесь вы можете посмотреть не только лендинги, но и правила публикации, размещения и процент подтверждения. Если возникли сомнения, свяжитесь со службой поддержки или напишите менеджеру для дополнительной консультации.

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В личном кабинете «Пампаду» вы получите подробные сведения по поводу апрув лидов, узнаете, с каким оффером лучше всего работать.

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Выводы

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В этой статье мы рассказали, что такое апрув, на что влияет и как рассчитывается. По поводу оплаты в арбитраже вы также поняли, что далеко не по каждой успешной заявке ждет вознаграждение. Можно сказать, что апрув — это далеко не однозначный показатель, поэтому иногда радоваться можно значению в 40%, а доход по финансам всего будет 10%. Помните, что для улучшения этого значения часто помогает смена лендинга, работа с целевой аудиторией и смена партнерки. Большое значение играет качество трафика, настройка времени показа рекламы и гео.

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Коллеги, напоминаем, что с 1 апреля мы подняли ставки по всем банковским продуктам.

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Рассмотрим более детально:

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— По офферу Кредитная карта Газпромбанка вознаграждение было 7600 р. стало 8550 р.

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— По офферу Кредитная карта Росбанк вознаграждение было 4900 р. стало 5600 р;

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— По офферу Кредитная карта Возможностей от ВТБ вознаграждение было 4650 р. стало 5320 р.

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⚡️ Такие глобальные изменения произошли по всем категориям банковских продуктов!

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В среднем новые ставки на 12% больше предыдущих.

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Все подробности опубликованы в канале.

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?Желаем вам успешных продаж, команда Пампаду!

\n', 'Пампаду повысил ставки по ВСЕМ банковским продуктам!', 'Теперь вам не придется тратить время на то, чтобы искать выгодные варианты по банковским продуктам, самые выгодные предложения на Пампаду!', 'publish', 'open', 'open', '', 'pampadu-povysil-stavki-po-vsem-bankovskim-produktam', '', '', '2023-04-03 14:59:56', '2023-04-03 14:59:56', '', 0, 'https://pampadu.ru/blog/?p=2109', 0, 'post', '', 0), (2110, 1, '2023-04-03 14:59:39', '2023-04-03 14:59:39', '', '1030х502 (10)', '', 'inherit', 'open', 'closed', '', '1030h502-10-2', '', '', '2023-04-03 14:59:39', '2023-04-03 14:59:39', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-10.jpg', 0, 'attachment', 'image/jpeg', 0), (2112, 13, '2023-04-04 09:41:10', '2023-04-04 09:41:10', '\n

? Новые стандарты отменяют индивидуальные подходы страховщиков!

С 1 октября 2022 года вступили в силу единые стандарты минимальных требований при страховании рисков заемщиков, установленные указанием Банка России.

Указание Банка России предусматривает, что заемщик должен информироваться по ряду позиций и ему выдается ключевой информационный документ. (КИД)

? Документ должен содержать:
— информацию о страховой премии по договору, подлежащей уплате;
— перечень рисков (с разделением на значимые для кредита и дополнительные);
— порядок страховых выплат;
— пакете документов на выплату;
— порядок досрочного расторжения договора;
— об обязанности осуществлять очередной взнос по договору в течение 30 дней и праве кредитора в противном случае пересмотреть ставку по займу.


Агенты это значит, что заемщики смогут по любым вопросам, связанным с кредитным страхованием, обращаться не только к страховщику, но и выдавший кредит банк - как по вопросам получения страховой выплаты, так и по вопросам досрочного расторжения договора страхования.

Заемщик предупреждается о праве расторгнуть договор страхования, вернуть уплаченную премию без потерь в течение 14 дней с момента заключения договора.

Срок страхования не может превышать срок потребительского кредита, страховая сумма равна основному долгу по договору, при расчете не учитывается размер процентов за использование кредита\"

Преимущества  оформление ипотечных страховок через Пампаду. ру

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☀️ Удачных продаж, команда Пампаду!

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\n', 'В России введены новые стандарты по страхованию ипотеки.', 'В России введены новые стандарты по страхованию ипотеки. \nНовые стандарты отменят индивидуальные подходы страховщиков!', 'publish', 'open', 'open', '', 'v-rossii-vvedeny-novye-standarty-po-strahovaniyu-ipoteki', '', '', '2023-04-04 09:41:10', '2023-04-04 09:41:10', '', 0, 'https://pampadu.ru/blog/?p=2112', 0, 'post', '', 0), (2113, 1, '2023-04-04 09:40:12', '2023-04-04 09:40:12', '', '1030х502 (9)', '', 'inherit', 'open', 'closed', '', '1030h502-9-2', '', '', '2023-04-04 09:40:12', '2023-04-04 09:40:12', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-9.jpg', 0, 'attachment', 'image/jpeg', 0), (2120, 13, '2023-04-05 14:54:40', '2023-04-05 14:54:40', '\n

Открыто, честно, без стеснения и с гордостью делимся результатами совместной работы с партнерами по онлайн и офлайн страховым продуктам в марте.

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Итоги марта по онлайн ОСАГО:

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Количество продаж: 23 700 + полисов
Агенты заработали: 15 193 435 руб.
Самый дорогой полис: 57 635 руб.
Самое высокое КВ: 9 525 руб.
Сделали доработок: 10+

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Итоги марта по онлайн ипотеке:

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Количество продаж: 1800+ полисов
Агенты заработали: 6 202 000 руб.
Самый дорогой полис: 76 648 руб.
Самое высокое КВ: 40 479 руб.
Сделали доработок: 7+ и подключили РГС с КВ 60% всем!

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Итоги марта по офлайн КАСКО:

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Количество продаж - 72
Агенты заработали - 646 272 руб.
Крупнейшее КВ - 33 558 руб.

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Итоги марта по офлайн ипотеке:

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Количество продаж - 193 полиса
Агенты заработали - 708 192 руб.
Крупнейшее КВ - 35 077 руб.

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?Важные события в марте на Пампаду:

1. Закончили розыгрыш и подводим итоги «Яблочного джема»
2. Быстрые выплаты физическим лицам!
3. Повысили ставки по ВСЕМ банковским продуктам.
4. Провели обучающий вебинар по продукту КАСКО для пользователей Пампаду!

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?Желаем вам хороших продаж вместе с Пампаду!

\n', 'Прозрачные итоги Марта.', 'Открыто, честно, без стеснения и с гордостью делимся результатами совместной работы с партнерами по онлайн и офлайн страховым продуктам в марте. ', 'publish', 'open', 'open', '', 'prozrachnye-itogi-marta', '', '', '2023-04-05 14:54:40', '2023-04-05 14:54:40', '', 0, 'https://pampadu.ru/blog/?p=2120', 0, 'post', '', 0), (2121, 1, '2023-04-05 14:53:46', '2023-04-05 14:53:46', '', '1030х502 (4)', '', 'inherit', 'open', 'closed', '', '1030h502-4-5', '', '', '2023-04-05 14:53:46', '2023-04-05 14:53:46', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-4.jpg', 0, 'attachment', 'image/jpeg', 0), (2123, 13, '2023-04-05 15:05:07', '2023-04-05 15:05:07', '\n

Коллеги, хотели бы познакомить вас с отделами Пампаду и открыто рассказать какие задачи стоят перед командой.

#продуктология — в голове наших ребят тысячи задач, ночью сняться проекты и сроки, они отвечают за то, чтобы пользователи оставались довольными за счет бесперебойной работы продукта и расширения функционала, постоянно что-то тестируют, что приводит к усовершенствованию продукта и сервиса для пользователей.

#аккаунтингэтомояжизнь — это голос ваших личных менеджеров!
Найдут подход к каждому и решат любые задачи в пользу наших партнеров.

#маркетинговыйход — здесь вечный творческий брейншторм и сводка цифр в отчеты, порой, команда не решается проходить мимо маркетинга, ведь любое движение может превратиться в контент!

#техническаяподдержка — стоят на страже пользователей, решают возникающие проблемы, знают ответ на любой вопрос.

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Мы ценим партнеров и усовершенствуем процесс работы — это наш главный приоритет!

\n\n\n\n

? На Пампаду зарабатывают на страховых продуктах, получают рекордное КВ по Ипотеке 60%, оформляют банковские продукты по высоким ставкам и быстро выводят выплаты за целевые действия!

\n\n\n\n

?С любовью к своему делу, команда Пампаду.

\n', 'А как там внутри Пампаду?', 'Мы ценим партнеров и усовершенствуем процесс работы — это наш главный приоритет!\nОткрыто рассказываем какие задачи стоят перед командой.\n', 'publish', 'open', 'open', '', 'a-kak-tam-vnutri-pampadu', '', '', '2023-04-05 15:05:07', '2023-04-05 15:05:07', '', 0, 'https://pampadu.ru/blog/?p=2123', 0, 'post', '', 0), (2124, 1, '2023-04-05 15:03:31', '2023-04-05 15:03:31', '', '1030х502 (5)', '', 'inherit', 'open', 'closed', '', '1030h502-5-4', '', '', '2023-04-05 15:03:31', '2023-04-05 15:03:31', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-5.jpg', 0, 'attachment', 'image/jpeg', 0), (2130, 13, '2023-04-06 14:08:36', '2023-04-06 14:08:36', '\n

Вы уже знаете, что мы выпустили приложение Пампаду в App Store и Play market, сейчас готовим публикацию в App Gallery, отдельно будет анонс.

\n\n\n\n

Мы постоянно работаем над улучшением сервиса - решили проблемы разавторизации и скачивания полисов. Теперь ничто не мешает зарабатывать на Пампаду прямо из смартфона!
Попробуйте и оставляйте положительные отзывы. ?

\n\n\n\n

Также по просьбам агентов выкладываем файл apk для скачивания на Андроид, он доступен по ссылке.

\n\n\n\n

? Удачного дня, команда Пампаду!

\n', 'Пампаду в твоем смартфоне!', 'Пампаду в твоем смартфоне, на каких площадках можно скачать приложение. Готовим публикацию в App Gallery, отдельно будет анонс.', 'publish', 'open', 'open', '', 'pampadu-v-tvoem-smartfone', '', '', '2023-04-06 14:08:36', '2023-04-06 14:08:36', '', 0, 'https://pampadu.ru/blog/?p=2130', 0, 'post', '', 0), (2133, 1, '2023-04-06 14:05:38', '2023-04-06 14:05:38', '', '1030х502 (4)', '', 'inherit', 'open', 'closed', '', '1030h502-4-6', '', '', '2023-04-06 14:05:38', '2023-04-06 14:05:38', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-4-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2142, 13, '2023-04-07 09:30:16', '2023-04-07 09:30:16', '\n

Коллеги, хотим поделиться успешным кейсом по оформлению ипотечного страхования на Пампаду!

Агент работает с нами с июня 2021 года и раньше продавала только ОСАГО. Оформляя в месяц 17~20 полисов, зарабатывала на ОСАГО ~ 12600 ₽, комиссия c каждого полиса ~ 860 ₽.
Ознакомившись с обучающей презентацией по ипотечному страхованию.

Произошло:

— Агент обучается новому продукту благодаря базе знаний Пампаду и применяет их в работе.
— В ноября прошлого года начала заниматься ипотечным страхованием и увеличила свой доход в 4 раза

Прикладываем статистику из личного кабинета, где агент продает только ОСАГО.

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\"\"
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Но наступает ноябрь 2022 года и агент начинает пользоваться продуктом Ипотечного страхования в работе.

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\"\"
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Оформляя ежемесячно ~20 полисов и зарабатывая с каждого ~ 2500 ~ 2800 ₽


Итог — агенты, страхование ипотеки один из востребованных продуктов!
с ним можно увеличить доход в разы.

Расширяйте свои возможности вместе с Пампаду и получайте рекордное КВ по Ипотечному страхованию до 60%

Если у вас возникли вопросы, можете обращаться к вашему личному менеджеру, или в техническую поддержку

\n\n\n\n

? Зарабатывайте вместе с Пампаду!

\n', 'x4 в заработке на Ипотечном страховании!', 'Делимся успешным кейсом по оформлению ипотечного страхования на Пампаду как можно увеличить доход в х4', 'publish', 'open', 'open', '', 'h4-v-zarabotke-na-ipotechnom-strahovanii', '', '', '2023-04-07 09:30:16', '2023-04-07 09:30:16', '', 0, 'https://pampadu.ru/blog/?p=2142', 0, 'post', '', 0), (2143, 1, '2023-04-07 09:24:58', '2023-04-07 09:24:58', '', 'Group-2', '', 'inherit', 'open', 'closed', '', 'group-2', '', '', '2023-04-07 09:24:58', '2023-04-07 09:24:58', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/Group-2.jpg', 0, 'attachment', 'image/jpeg', 0), (2144, 1, '2023-04-07 09:26:57', '2023-04-07 09:26:57', '', 'Group-1', '', 'inherit', 'open', 'closed', '', 'group-1', '', '', '2023-04-07 09:26:57', '2023-04-07 09:26:57', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/Group-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2145, 1, '2023-04-07 09:27:07', '2023-04-07 09:27:07', '', 'Group-1-1', '', 'inherit', 'open', 'closed', '', 'group-1-1', '', '', '2023-04-07 09:27:07', '2023-04-07 09:27:07', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/Group-1-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2147, 1, '2023-04-07 09:30:52', '2023-04-07 09:30:52', '', '1030х502 (4)', '', 'inherit', 'open', 'closed', '', '1030h502-4-7', '', '', '2023-04-07 09:30:52', '2023-04-07 09:30:52', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-4-2.jpg', 0, 'attachment', 'image/jpeg', 0), (2153, 13, '2023-04-07 13:08:05', '2023-04-07 13:08:05', '\n

С Пампаду просто и выгодно.

\n\n\n\n

Дорогие коллеги, мы активно работаем над продуктом, поэтому часто выходят улучшения в сервисе, что позволяет агентам зарабатывать больше!

\n\n\n\n

?Ознакомьтесь с короткой сводкой возможностей, которые можно применять в работе и повышать доход вместе с Пампаду.ру:

1. Рекордное КВ по Ипотеке в 60%

2. Быстрые выплаты физ. лицам.

3. Высокие ставки на все банковские продукты!

Вместе с нами просто зарабатывать и легко взаимодействовать!

\n\n\n\n

? С любовью к своему делу, команда Пампаду.ру
Хороших выходных и солнечного настроения!

\n', 'Возможности с Пампаду', 'Повышай свой заработок благодаря возможностям Пампаду. Рассказываем о них в этой статье.', 'publish', 'open', 'open', '', 'vozmozhnosti-s-pampadu', '', '', '2023-04-07 13:08:05', '2023-04-07 13:08:05', '', 0, 'https://pampadu.ru/blog/?p=2153', 0, 'post', '', 0), (2154, 1, '2023-04-07 11:49:44', '2023-04-07 11:49:44', '', '1039х498', '', 'inherit', 'open', 'closed', '', '1039h498-21', '', '', '2023-04-07 11:49:44', '2023-04-07 11:49:44', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1039h498.png', 0, 'attachment', 'image/png', 0), (2185, 13, '2023-04-10 10:58:54', '2023-04-10 10:58:54', '\n

В команду страховых продуктов ищем системного аналитика, который будет заниматься поддержкой текущих продуктов (ОСАГО и Ипотека) и подготовкой к запуску новых.
Если у тебя есть опыт работы с интеграциями по этим продуктам, то это будет большим преимуществом. Возможна как удаленная работа, так и гибридный формат в офисе Москва-Сити.

\n\n\n\n

Если у вас аналитический склад ума, вы внимательны и усидчивы, а условия вакансии подходящие ➡️ откликайтесь на hh.ru и мы с удовольствием пообщаемся.

\n\n\n\n

Хотели напомнить, что мы готовы заплатить 30 тыс. руб. тому, кто посоветует подходящего кандидата, который к нам присоединится и пройдет испытательный срок.

\n\n\n\n

?PS. Поделитесь с коллегами и друзьями, если знаете, что им будет интересна эта вакансия.

\n', 'Открытая вакансия в Пампаду!', 'Пампаду ищет в команду системного аналитика, подробнее об условиях вакансии в данной статье.', 'publish', 'open', 'open', '', 'otkrytaya-vakansiya-v-pampadu', '', '', '2023-04-10 10:58:54', '2023-04-10 10:58:54', '', 0, 'https://pampadu.ru/blog/?p=2185', 0, 'post', '', 0), (2186, 1, '2023-04-10 10:58:19', '2023-04-10 10:58:19', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-41', '', '', '2023-04-10 10:58:19', '2023-04-10 10:58:19', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502.png', 0, 'attachment', 'image/png', 0), (2195, 13, '2023-04-11 13:06:00', '2023-04-11 13:06:00', '\n

Ранее агент оформлял только ОСАГО полисы, при звонке знакомстве, выяснилось, что он не знал о повышенном вознаграждении  60% на Пампаду.

\n\n\n\n

КВ агента по ОСАГО за март: 22 853.77₽

\n\n\n\n

Персональный менеджер предложил ознакомиться с ипотечным страхованием, предоставил источники для обучения, отвечал на интересующие вопросы.
Агент решил попробовать оформить ипотечное страхование через Пампаду и продолжал в это время поддерживать связь с личным менеджером, который помогал с оформлением полиса, подсказывал нюансы.

\n\n\n\n

?Агент за март оформил:
48 полисов и получил КВ 22 853.77₽
в среднем полис стоил 476 ₽

\n\n\n\n

При оформлении 1 полиса по ипотечному страхованию получил КВ 4 381.20₽

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Общий заработок за март: 27 234,97 ₽

\n\n\n\n

Не упустите возможность заработать дополнительно на продуктах Пампаду!

\n\n\n\n

Как стать мульти-агентом и зарабатывай в 3 раза больше, можно прочитать здесь.

\n\n\n\n

⚡️ Польза общения с персональными менеджерами Пампаду:

1. Повысить приоритет обращения, ускорить решение вопросов технического характера

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2. Сбор обратной связи по работоспособности площадки, предложений по улучшению.

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3. Помощь в решении сложных кейсов при оформлении страховки ОСАГО, Ипотеки и др.

\n\n\n\n

4. Оперативное информирование обо всех существенных изменениях на площадке.

Менеджер ваш друг и товарищ!

Если возникли вопросы, можете обращаться к личному менеджеру, или техническую поддержку.

? С любовью к своему делу, команда Пампаду.ру

\n\n\n\n

#осаго#ипотека

\n', '1 полис по ипотеке + 4 381.20₽ к заработку!', 'Подробнее про кейс мульти-агента Пампаду, как увеличить свой заработок вместе с Пампаду.ру.', 'publish', 'open', 'open', '', '1-polis-po-ipoteke-4-381-20-k-zarabotku', '', '', '2023-04-11 13:06:00', '2023-04-11 13:06:00', '', 0, 'https://pampadu.ru/blog/?p=2195', 0, 'post', '', 0), (2196, 1, '2023-04-11 13:03:01', '2023-04-11 13:03:01', '', '1030х502 (1) (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-1-2', '', '', '2023-04-11 13:03:01', '2023-04-11 13:03:01', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-1-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2206, 13, '2023-04-12 09:54:25', '2023-04-12 09:54:25', '\n

РСА назвал регионы-лидеры по обращениям в суд по ОСАГО
по итогам 2022 г. места распределились следующим образом:

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1. Республика Марий Эл. (39,1%)
2. Республика Северная Осетия — Алания (12,5%)
3. Архангельская область (10,1%)
4. Республика Адыгея (9,6%)
5.Камчатский край (9%)
6. Ярославская область (8,4%)
7. Краснодарский край (7,8%)
8. Приморский край (6,6%)
9. Республика Ингушетия (6,4%)
10. Карачаево-Черкесская Республика (5,9%)

 В самых крупных по количеству автовладельцев городах — Москве и Санкт-Петербурге — этот показатель по итогам 2022 г. оказался одинаковым и составил 1,8%, что ниже среднего в целом по РФ.

Хотим сообщить, что Министерство финансов поддерживает увеличение штрафа за езду без полиса ОСАГО — причем штрафы должны быть «не меньше 5 тысяч»
заявил заместитель главы Минфина Алексей Моисеев, выступая в Совете Федерации.
При этом, по словам замминистра, возможно деление штрафов — на физических и на юридических лиц.

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В соответствии с Правилами дорожного движения водитель не имеет права выезжать на дороги общего пользования без полиса ОСАГО. Если у водителя-виновника ДТП не окажется полиса, то пострадавший не сможет получить возмещение у своей страховой компании и ему нужно будет обращаться в суд.

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Однако официально этот вид контроля до сих пор не заработал.

Партнеры, при наступления ДТП, пострадавшая сторона сможет получить возмещение только через суд, у вас, есть возможность оформлять страховку ОСАГО через Пампаду в любое удобное время, 24 часа в сутки, включая выходные дни и праздники.
Мы убеждены, что клиенты скажут вам спасибо!

Хороших продаж, команда Пампаду.ру!

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#осаго

\n', 'Статистика обращений в суд по ОСАГО.', 'РСА назвал регионы-лидеры по обращениям в суд по ОСАГО, прикладываем статистику. Изменения в штрафах за езду без ОСАГО.', 'publish', 'open', 'open', '', 'statistika-obrashhenij-v-sud-po-osago', '', '', '2023-04-12 09:54:25', '2023-04-12 09:54:25', '', 0, 'https://pampadu.ru/blog/?p=2206', 0, 'post', '', 0), (2207, 1, '2023-04-12 09:53:02', '2023-04-12 09:53:02', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-6', '', '', '2023-04-12 09:53:02', '2023-04-12 09:53:02', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-1.png', 0, 'attachment', 'image/png', 0), (2225, 13, '2023-04-13 12:51:39', '2023-04-13 12:51:39', '\n

? По продукту ОСАГО СК «АльфаСтрахование» расширила условия!

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Уважаемые коллеги! У нас приятная новость.

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— Новый бизнес в Вологодской области.
— Новый бизнес и зеленый коридор в Воронежской области.

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?Список открытых регионов по СК «АльфаСтрахованию» вы можете посмотреть в разделе \"Моя комиссия\"

\n\n\n\n

Если у вас остались вопросы, можете написать в чат поддержки.

\n\n\n\n

? Хороших продаж, команда Пампаду.ру!

\n', 'По продукту ОСАГО СК «АльфаСтрахование» расширила условия!', 'В данной статье можно узнать, про расширенные условия по продукту ОСАГО СК «АльфаСтрахование» ', 'publish', 'open', 'open', '', 'po-produktu-osago-sk-alfastrahovanie-rasshirila-usloviya', '', '', '2023-04-13 12:51:39', '2023-04-13 12:51:39', '', 0, 'https://pampadu.ru/blog/?p=2225', 0, 'post', '', 0), (2226, 1, '2023-04-13 12:50:18', '2023-04-13 12:50:18', '', '1030х502 (5)', '', 'inherit', 'open', 'closed', '', '1030h502-5-5', '', '', '2023-04-13 12:50:18', '2023-04-13 12:50:18', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-5-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2228, 13, '2023-04-13 13:44:36', '2023-04-13 13:44:36', '\n

Друзья, напоминаем вам, что с 1 апреля произошло изменение ставок по всем банковским продуктам.
Собрали самые выгодные предложения для вас:

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Кредитная карта Разумная - Ренессанс Кредит с 3 640 руб. до 6 000 руб.

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ВТБ - Кредитная карта \"Возможностей\" с 4 650 руб. до 5 320 руб.

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Кредитная карта МТС Банк - Деньги Zero с 3 500 руб. до 4 000 руб.

Кредитная карта МТС банк - Деньги Weekend с 3 500 руб. до 4 000 руб.

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Кредитная карта МТС банк - CashBack МИР с 3 500 руб. до 4 000 руб.

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Кредитная карта Тинькофф Platinum с 3 150 руб. до 3 630 руб.

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Кредитная карта Тинькофф Drive с 2 970 руб. до 3 357 руб.

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Росбанк - Кредитная Карта #120наВСЁ Плюс (Выдача) с 4 900 руб. до 5 600 руб.

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Кредитная карта Открытие - 120 дней без % с 2 450 руб. до 2 800 руб.

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Кредитная карта УБРиР - MyFreedom с 4 200 руб. до 4 800 руб.

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Дебетовая карта МИР ВТБ с 2 000 руб. до 2 250 руб.

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Дебетовая Альфа-Карта Premium с 1 750 руб. до 2 000 руб.

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Дебетовая Альфа-карта МИР с 1 200 руб. до 1 333 руб.

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МТС Банк - Дебетовая карта Деньги Weekend с 1 400 руб. до 1 600 руб.

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МТС Банк - Дебетовая карта Cashback МИР с 1 400 руб. до 1 600 руб.

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Дебетовая карта Тинькофф - Black МИР с 940 руб. до 1 060 руб.

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Дебетовая карта Тинькофф - Premium МИР с 1 680 руб. до 1 890 руб.

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Дебетовая карта Прибыль УРАЛСИБ с 1 250 руб. до 1 455 руб.

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Дебетовая карта Открытие - Opencard МИР с 1 100 руб. до 1 300 руб.

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Дебетовая карта My Life УБРиР с 1 050 руб. до 1 200 руб.

⚡️ Вступайте в ➡️ канал посвященный банковским продуктам на Пампаду и узнавайте все новости и изменения первыми!

? С любовью к своему делу, команда Пампаду ру!

\n', 'Повышенные ставки на ВСЕ банковские продукты на Пампаду!', 'С 1 апреля произошло изменение ставок по всем банковским продуктам. \nСобрали самые выгодные предложения для вас в данной статье. ', 'publish', 'open', 'open', '', 'povyshennye-stavki-na-vse-bankovskie-produkty-na-pampadu', '', '', '2023-04-13 13:44:36', '2023-04-13 13:44:36', '', 0, 'https://pampadu.ru/blog/?p=2228', 0, 'post', '', 0), (2229, 1, '2023-04-13 13:43:43', '2023-04-13 13:43:43', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-7', '', '', '2023-04-13 13:43:43', '2023-04-13 13:43:43', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-1-1.png', 0, 'attachment', 'image/png', 0), (2266, 13, '2023-04-14 09:51:54', '2023-04-14 09:51:54', '\n

Моментальные выплаты на Пампаду уже успели оценить физ.лица и самозанятые, пришла очередь ИП и ООО быстро получать выплаты!

Часть агентов юр.лиц уже опробовала функционал и получила первые выплаты 10 апреля.

➡️ Переходим на безбумажный способ выплат для всех ИП и ООО c 17 апреля. 

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Теперь акты можно будет формировать самостоятельно на желаемую сумму и не ждать целый месяц выплаты. Подписывать акт нужно будет прямо в личном кабинете, нажав кнопку \"принять\" рядом с актом. Все подробности о переходе на быстрые выплаты юр.лицам и подписание оферты можно прочесть в статье.

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Для этого мы с вами переходим на новый договор-оферту , который тоже можно будет подписать без бумаги и сканов - при помощи нашего партнера Nopaper.

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Почему мы выбираем Nopaper - подписывать с ними документы быстро, легко, удобно и безопасно.
Nopaper выбирают и страховые компании, например, Альфастрахование и Совкомбанк Жизнь.
Подписывая оферту один раз, мы с вами сильно упрощаем себе работу в дальнейшем, позволяя вам заказывать выплаты несколько раз в месяц и получать деньги быстрее. Больше про Nopaper.

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Средний срок выплаты будет составлять около 6 рабочих дней.
Дополнительно всем пришлем письмо с уведомлением о расторжении предыдущего договора и инструкцией перехода на новый тип выплат.

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? Отличных продаж, команда Пампаду!

\n', 'Превышение скорости выплат на Пампаду — это реально!', 'Моментальные выплаты на Пампаду уже успели оценить физ.лица и самозанятые, пришла очередь ИП и ООО быстро получать выплаты. Читать подробнее в данной статье. ', 'publish', 'open', 'open', '', 'prevyshenie-skorosti-vyplat-na-pampadu-eto-realno', '', '', '2023-04-14 09:51:54', '2023-04-14 09:51:54', '', 0, 'https://pampadu.ru/blog/?p=2266', 0, 'post', '', 0), (2269, 1, '2023-04-14 09:51:10', '2023-04-14 09:51:10', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-5', '', '', '2023-04-14 09:51:10', '2023-04-14 09:51:10', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-2.png', 0, 'attachment', 'image/png', 0), (2296, 1, '2023-04-14 13:30:26', '2023-04-14 13:30:26', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-42', '', '', '2023-04-14 13:30:26', '2023-04-14 13:30:26', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-2.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (2299, 13, '2023-04-14 13:44:50', '2023-04-14 13:44:50', '\n

Проверка диагностической карты – процедура, которая позволяет определить оригинальность полученного заключения. Проверить данные в ЕАИСТО сможет автовладелец, используя специальный сервис.

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Как проверить карту по базе РСА

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В легитимности карты можно убедиться, заглянув на специальный сайт. Проверка осуществляется через ЕАИСТО. Здесь можно определить достоверность заключения, выданного на станции техобслуживания. Чтобы понять, как проверить диагностическую карту, выполните ряд действий. Введите данные об автотранспортном средстве: гос. номер или VIN-код. Заполнение специальных полей даст ответ о том, является ли заключение действующим или нет. Введенная информация сверяется с той, что есть в базе данных. После проверки появятся данные о машине, а также о том, когда она прошла техосмотр. Полученная информация поможет понять, оригинальное заключение или нет.

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Почему следует сделать проверку

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Проверка диагностической карты нужна, чтобы в дальнейшем не возникло трудностей с оформлением полиса ОСАГО. Немного времени, потраченного на заполнение специальных полей и получение ответа, – ваша уверенность в том, что техосмотр был проведен в законном порядке. Информация о нем есть в ЕАИСТО. Это единая база, где собраны данные о проведенных техосмотрах. Если же данные в ЕАИСТО отсутствуют, возможно вы стали жертвой мошенников. Поэтому, что обезопасить себя, не забывайте проверять диагностическую карту техосмотра сразу же после прохождения данной процедуры. Своевременная сверка данного заключения поможет избежать неприятностей:

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Стоит отметить, что данные в базу поступают сразу при прохождении технического осмотра, поэтому не забывайте проверить наличие диагностической карты на автотранспортное средство. Такой подход позволит обезопасить себя от мошеннических действий.

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ВНИМАНИЕ! При проведении сделок с машиной, при желании оформить страховку или после оформления проверьте оригинальность карты.

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Почему отсутствует информация об авто в базе данных

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В случае если проверка диагностической карты по ЕАИСТО выдает нулевой результат, нужно обратиться на станцию техобслуживания, где было выдано заключение о прохождении техосмотра. Сообщите сотруднику организации о возникшей проблеме. Возможно, сведения еще не попали в базу данных. В случае отказа разбираться в произошедшем, нужно идти в полицию.

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Зачем требуется

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Каждый владелец автотранспортного средства, возраст которого составляет свыше четырех лет, должен получить диагностическую карту. Без данного заключения нельзя садиться за руль и использовать транспорт. В противном случае автовладельца ждет штраф, размер которого с 2022 года составляет 2 тыс. рублей.

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Как получить дубликат диагностической карты

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При потере заключения проходить повторный техосмотр не потребуется. Чтобы его восстановить, нужно выполнить ряд действий:

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  1. Обратиться в организацию, где пройден техосмотр.
  2. Написать заявление с просьбой восстановить карту.
  3. Предоставить необходимые данные о транспортном средстве.
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Как правило, о готовности заключения оповещают сотрудники станции техобслуживания. Изготовить дубликат можно в течение 1-2 дней. Далее остается заплатить за оказанную услугу.

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Благодаря использованию специальных сервисов проверка диагностической карты автомобиля через ЕАИСТО осуществляется быстро. К тому же не потребуется повторное прохождение техосмотра, если ранее выполнены необходимые процедуры.

\n', 'Проверить диагностическую карту', 'Проверка диагностической карты – процедура, которая позволяет определить оригинальность полученного заключения. Расскажем в статье, как проверить.', 'publish', 'open', 'open', '', 'kak-proverit-diagnosticheskuyu-kartu', '', '', '2023-04-14 13:44:50', '2023-04-14 13:44:50', '', 0, 'https://pampadu.ru/blog/?p=2299', 0, 'post', '', 0), (2301, 13, '2023-04-17 14:49:28', '2023-04-17 14:49:28', '\n

С ростом цен на недвижимость невозможно представить покупку жилья или участка без ипотеки. Но культура ипотечного страхования в России мало развита. В этой статье расскажем, что это такое, и какие преимущества даёт.

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Ипотечное страхование — это услуга, предоставляемая банками или страховыми компаниями. Она нужна, чтобы защитить всех участников сделки. Другими словами, если с покупателем недвижимости что-то происходит, страховщик покроет за него расходы. Заёмщик ничего не платит, а банк при этом не теряет свои деньги.

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Обязательно ли оформлять страховку при ипотеке?

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Да, это необходимо по закону (№ 102-ФЗ «Об ипотеке»), и делается всегда. При ипотечном страховании недвижимости выдают полис, без которого невозможно оформить кредит.

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Что можно застраховать:

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По закону требуется только страхование имущества при ипотеке. Помните, что прочие виды — добровольные, как бы сильно банки ни настаивали.

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Единственное исключение, когда полис можно не оформлять — это покупка на этапе застройки. Но когда объект будет сдан в эксплуатацию, оформлять полис на недвижимость все равно придётся.

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Зачем тогда нужно необязательное страхование?

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Страхование ипотеки — это не только законный способ обезопасить себя и своё имущество. Банкам выгодно, чтобы вы воспользовались дополнительными услугами, поэтому часто они бонусом понижают ставку по кредиту. Фиксированной таксы нет, каждый кредитор выдвигает свои условия, поэтому во время оформления страховки по ипотеке внимательно ознакомьтесь с договором.

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Покупатели часто недооценивают дополнительные способы страхования. А зря. Несчастные случаи на работе, взрывы газа у соседей, падение подъёмных кранов — вовсе не выдуманные истории.

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В новостях часто пишут о случаях, когда люди покупали квартиру у одного человека, а потом появлялись его дальние родственники с притязаниями на жилплощадь. Оказывается, квартира также полагалась им по наследству, поэтому они имеют полное право оспорить такую покупку.

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Участились случаи потери работы из-за закрытия компаний — некоторые зарубежные работодатели прекращают свою деятельность в России, и люди остаются без дохода.

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Во многих банках предусмотрена услуга комплексного страхования ипотеки, когда заёмщик оформляет сразу все типы. Такой вариант стоит рассмотреть, потому что зачастую так оказывается намного выгоднее, чем с одним обязательным вариантом, или доплаты будут незначительными. При этом банки охотнее соглашаются на заём, понижают процентную ставку и сумму первоначального взноса.

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Комплексное страхование — это не уловка банка, чтобы получить от заёмщика больше денег. Недвижимость стоит дорого. Вы доплатите в год несколько тысяч, но будете уверены, что не потеряете имущество и не подведёте близких.

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Как оформить ипотеку на имущество? Какие документы нужны?

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Сначала нужно получить полис в страховой компании. Лучше выбрать ту, с которой сотрудничает сам банк, или которая у него аккредитована. В противном случае он может отказать.

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Минимальный обязательный пакет документов для оформления полиса включает:

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Иногда страховая организация может потребовать дополнительные документы — зависит от того, какими видами страхования вы воспользуетесь. Например, чтобы застраховать жизнь и здоровье, компания может потребовать справку от врача и подробные сведения о вашем образе жизни. Если у заёмщика есть хронические заболевания, есть сведения, что он часто попадает в аварии с травмами, стоимость полиса может увеличиваться.

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Если вы оформляете стандартный полис на имущество, его цена будет зависеть от типа недвижимости, ее площади, адреса, года постройки и размера кредита. Сумма выплаты варьируется от 0,3 до 1% от стоимости имущества, которое вы страхуете.

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На неё также влияют возраст, профессия, стаж работы, условия труда и даже пол. Женщинам, как правило, делают ставку ниже.

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Если с документами все в порядке, страховщик предоставит полис. Копию нужно отдать в банк, оригинал остаётся на руках у заёмщика.

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Полис необходимо продлевать каждый год, а если удалось закрыть ипотеку досрочно, можно провести перерасчёт. В этом случае страховая может вернуть остаток суммы по полису.

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Что делать, если наступил страховой случай? Страховая оплатит все расходы?

\n\n\n\n

Необходимо сразу же позвонить страховщику. Вам зададут необходимые вопросы и расскажут, какие документы и свидетельства предоставить. Иногда может прислать своих представителей на место происшествия. Страховщики будут внимательно изучать каждый случай. Нередко оказывается, что люди сами портят имущество или наносят себе увечья, чтобы получить денежную компенсацию.

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При страховании недвижимости главным выгодоприобретателем становится кредитор. Например, покупатель застраховал имущество. Если гарантийный случай подтверждается, и его сумма превышает остаток по кредитному договору с банком, то разница зачисляется на счёт заёмщика. Если меньше, то страховая выплачивает полную сумму банку.

\n\n\n\n

Некоторые люди жалуются, что страховые ни за какие несчастные случаи не заплатят, но это неправда. Нужно внимательно читать условия договора. Например, если человек не застраховал здоровье, никто не будет компенсировать потерю трудоспособности. Встречаются и другие случаи. Допустим, жизнь застраховали, но в программе компенсации не было указано воздействие радиации, от которого впоследствии и пострадали. Тогда страховщик тоже ничего не заплатит.

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Но если вы уверены, что компания обманывает и не выплачивает компенсацию,  необходимо немедленно обращаться в суд.

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Почему риелторам стоит обратить внимание на Pampadu

\n\n\n\n

Pampadu — это бесплатная платформа с понятным интерфейсом для оформления страховок на ипотеку. Сервис будет полезен и опытным, и только начинающим риелторам.

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Почему мы? 

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Начните зарабатывать с Pampadu! Присоединяйтесь!

\n', 'Страхование ипотеки: что это и зачем нужно', 'С ростом цен на недвижимость невозможно представить покупку жилья или участка без ипотеки. Но культура ипотечного страхования в России мало развита. В этой статье расскажем, что это такое, и какие преимущества даёт.', 'publish', 'open', 'open', '', 'strahovanie-ipoteki-chto-ehto-i-zachem-nuzhno', '', '', '2023-04-17 14:49:28', '2023-04-17 14:49:28', '', 0, 'https://pampadu.ru/blog/?p=2301', 0, 'post', '', 0), (2303, 13, '2023-04-17 11:32:52', '2023-04-17 11:32:52', '\n

— Максимальный заработок одного пользователя в марте с продаж банковских продуктов составил 225 000 рублей!
— В общей сложности наши пользователи заработали 14,5+ млн. рублей!
— Продано более 2,300 банковских продуктов.
— Отправлено 8700 заявок.

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Подписывайтесь на ➡️ канал посвященный банковским продуктам и узнавайте все новости первыми!
У вас есть возможность вступить в ➡️ чат поддержки , где обсуждают рабочие ситуации, обмениваются опытом, задают интересующие вопросы.

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? Не останавливайтесь на достигнутых результатах и увеличивайте свой доход с помощью продуктов Пампаду!

\n', 'Делимся цифрами марта по банковским продуктам на Пампаду', 'В данной статье рассказываем про результаты банковских продуктов на Пампаду за март.', 'publish', 'open', 'open', '', 'delimsya-tsiframi-marta-po-bankovskim-produktam-na-pampadu', '', '', '2023-04-17 11:32:52', '2023-04-17 11:32:52', '', 0, 'https://pampadu.ru/blog/?p=2303', 0, 'post', '', 0), (2304, 1, '2023-04-17 11:31:37', '2023-04-17 11:31:37', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-43', '', '', '2023-04-17 11:31:37', '2023-04-17 11:31:37', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-3.jpg', 0, 'attachment', 'image/jpeg', 0), (2307, 13, '2023-04-17 14:12:41', '2023-04-17 14:12:41', '\n

Работа агентом по недвижимости выглядит привлекательной и перспективной, но, сколько риэлторы зарабатывают на самом деле? Это зависит от региона оказания услуг, сегмента рынка и типов объектов, принадлежности к агентствам и профессиональных навыков. Новичок может в течение многих месяцев не видеть ощутимого дохода, а опытный агент иногда получает 100 000-200 000 рублей за сделку.

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Разобраться в том, сколько зарабатывает риэлтор в отдельном регионе, поможет анализ статистических данных из открытых источников и мнения участников рынка. Это руководители агентств и департаментов недвижимости, бизнесмены, застройщики и арендаторы.

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Специфика работы риэлтором

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Плюсы работы агентом недвижимости:

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Есть и минусы – ненормированный график и сложности в оплате труда. При сравнении, сколько могут зарабатывать риэлторы, работающие по фиксированному графику агентства, и частные агенты, суммы будут сильно различаться. Чем больше времени посвящено работе, тем выше отдача. Но риэлторы по продаже и аренде недвижимости получают доход от закрытой сделки, поэтому регулярности в денежных поступлениях на начальных этапах нет.

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Можно ли заработать выше среднего для региона

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Сколько заработает риэлтор, зависит от него, и в одном агентстве зарплата сотрудников может сильно различаться. Важно, получает ли агент дополнительный доход от партнеров. Это предложение страхования и различных финансовых продуктов. С каждой партнерской продажи у агента есть дополнительный доход, что делает его заработок выше среднего для рассматриваемого региона. Имеет значение и его процентная ставка в агентстве, какие сделки он курирует.

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Многое зависит от специфики региона, насколько в нем оживлен рынок недвижимости. Основной интерес представляют промышленные и культурные, туристические центры, такие как Москва, Санкт-Петербург, большие города регионального значения. В районных центрах темпы строительства и миграционные потоки намного ниже, что сказывается и на показателях спроса на недвижимость.

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Из чего складывается заработок риэлтора в России

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Определяющие критерии:

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Сложно точно вычислить, сколько зарабатывает агент по недвижимости, и суммы могут сильно различаться даже в черте одного города.

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От чего зависит доход риэлтора

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Факторы, которые определяют, сколько зарабатывают риэлторы, это регион, типы объектов и сделок. Аренда и стоимость квадратного метра при покупке жилой или коммерческой недвижимости в Москве будет дороже, чем в малых городах областного значения. Объекты в деловом центре столицы будут намного дороже, чем в спальных районах или за МКАД. Еще один фактор – сложность сделки. Пример – расселение коммунальной квартиры, которое связано с большими трудностями, чем продажа отдельной цельной жилплощади. В этом случае необходимо работать одновременно с несколькими собственниками, учитывая личные потребности и запросы каждого из них.

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Сколько зарабатывает риэлтор-новичок и опытный профессионал

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Опытные риэлторы получают в месяц в среднем от 70-80 тысяч рублей, но у новичков ситуация иная. По статистике в течение 1-2 лет в профессии остаются трое из десяти. В зависимости от региона и условий работы первые сделки у новичков могут состояться спустя 6-9 месяцев. Поэтому многое зависит от терпения и целеустремленности.

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В течение первого года агент может сидеть на голом окладе, но постепенно появляется опыт, нарабатываются навыки делового общения, приходит понимание рынка, осознание психологии частного и коммерческого клиента. Заработки начинают увеличиваться, как и комиссионные от сделок. Компании поощряют профессионалов дополнительными премиями, доверяют им крупные проекты.

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Где выше доход – в агентстве или в частной практике

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Новичкам лучше трудоустраиваться в агентство. Это возможность получить опыт, научиться азам специальности у профессионалов. Оклад поможет в течение первого года обеспечивать первостепенные потребности. С профессиональным ростом будет увеличиваться и доход. В некоторых случаях при сравнении, сколько могут заработать частные риэлторы и сотрудники агентств, оказывается, что работать в компании выгоднее.

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Работающий по ИП агент не делится комиссией с руководством, он сам назначает комиссию за свои услуги, но и налоговое бремя он несет самостоятельно. Клиенты чаще доверяют и стараются сотрудничать с агентствами, поэтому частному профессионалу сложнее нарабатывать клиентскую базу и конкурировать с компаниями, выделяющими большие бюджеты на рекламу и продвижение.

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Сколько зарабатывают агенты недвижимости в Москве

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Столичный регион привлекателен с точки зрения ценников на жилую и коммерческую недвижимость, в плане обилия объектов во всех ценовых сегментах. Сколько могут зарабатывать риэлторы в Москве в среднем, зависит от уровня профессионализма, но даже новичок может в течение года выйти на уровень в 70-90 тысяч рублей в месяц. В дальнейшем доход может превысить 1.5-2 миллиона рублей в год. Но не стоит забывать и о конкуренции, поэтому добиться таких результатов смогут только стрессоустойчивые и целеустремленные претенденты.

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Опытные риэлторы рекомендуют на начальных этапах не взваливать на себя больше, чем можно выдержать. Столица диктует свои правила, и с ними стоит считаться. Сложнее всего рассчитывать время и быть пунктуальным, так как в пробках стоит весь город, поэтому организовать в течение дня 3-4 деловые встречи или показа объекта – это уже настоящее искусство.

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На какой доход можно рассчитывать в регионах

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Это зависит от конкретного региона. Для сравнения цена аренды однокомнатной квартиры в Москве составляет от 30000 рублей, а в Рязани аналогичное жилье можно снять за 12000-15000 рублей. Это касается и объектов на продажу. Комиссия агента в Рязани будет вдвое ниже. Но это не делает сектор менее привлекательным.

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Если предположить, сколько зарабатывают риэлторы от сделки в Москве, и сравнить эту цифру с зарплатой агента в Рязани, соотношение будет примерно два к одному. Но стоит учитывать и уровень цен на продукты потребления и услуги. Поэтому заработок можно считать пропорциональным уровню жизни в конкретном регионе.

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Как повысить заработок

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Один из способов повышения дохода – партнерские программы. Сервис Pampadu помогает расширять комплекс услуг, оказываемых клиентам на рынке недвижимости. В числе дополнительных продуктов:

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Партнерский сервис Pampadu помогает получать дополнительный доход от продаж второстепенных продуктов при заключении сделок с недвижимостью. Это может увеличить заработок риэлтора в любом регионе России. Интуитивно понятный интерфейс и удаленный доступ через личный кабинет упрощают работу с сервисом.

\n', 'Сколько зарабатывает агент по недвижимости', 'Сколько зарабатывают риэлторы (агенты недвижимости) в разных регионах России. Что определяет доход, как можно его увеличить дополнительными заработками на партнерских сервисах.', 'publish', 'open', 'open', '', 'skolko-zarabatyvaet-agent-po-nedvizhimosti', '', '', '2023-04-17 14:12:41', '2023-04-17 14:12:41', '', 0, 'https://pampadu.ru/blog/?p=2307', 0, 'post', '', 0), (2308, 1, '2023-04-17 12:54:57', '2023-04-17 12:54:57', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-8', '', '', '2023-04-17 12:54:57', '2023-04-17 12:54:57', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-1-2.jpg', 0, 'attachment', 'image/jpeg', 0), (2309, 13, '2023-04-17 13:56:48', '2023-04-17 13:56:48', '\n

Запустили быстрые выплаты для всех ИП и ООО. Юр. лицам на почту продублируем подробную инструкцию, пожалуйста ознакомьтесь с ней, прежде чем заказывать выплату.

✅ Вам нужно будет подписать оферту через приложение наших партнеров Nopaper - это удобный и надежный сервис электронного документооборота, который также используют страховые компании, например, Альфастрахование.
Узнать больше про Nopaper.

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Процесс регистрации занимает всего несколько минут, электронная подпись будет храниться в смартфоне. Это абсолютно бесплатно и дает вам доступ к гораздо более быстрому выводу денег!

? Вам не нужно распечатывать акты и делать сканы, акты будут доступны в нашем личном кабинете, вы сможете подписывать их одним кликом. При необходимости их можно распечатать.

Срок выплаты на расчетный счет в среднем составляет 3-6 рабочих дней.
После получения средств вы сможете сформировать новый акт, таким образом вместо одного раза в месяц вы сможете получать деньги каждую неделю и чаще.

Для тех, у кого есть субагенты - ваши платежные отношения, в т.ч. частоту выплат регулируете вы сами.
Для того, чтобы вывести баланс субагентов нажмите вывести общий баланс.

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? Хороших продаж, команда Пампаду!

\n', 'БЫСТРЫЕ ВЫПЛАТЫ доступны ДЛЯ ВСЕХ пользователей Пампаду!', 'Быстрые выплаты доступны для всех пользователей Пампаду. \nРасскажем подробнее в данной статье.', 'publish', 'open', 'open', '', 'bystrye-vyplaty-dostupny-dlya-vseh-polzovatelej-pampadu', '', '', '2023-04-17 13:56:48', '2023-04-17 13:56:48', '', 0, 'https://pampadu.ru/blog/?p=2309', 0, 'post', '', 0), (2310, 1, '2023-04-17 13:54:40', '2023-04-17 13:54:40', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-44', '', '', '2023-04-17 13:54:40', '2023-04-17 13:54:40', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-3.png', 0, 'attachment', 'image/png', 0), (2318, 1, '2023-04-17 14:48:29', '2023-04-17 14:48:29', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-6', '', '', '2023-04-17 14:48:29', '2023-04-17 14:48:29', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-2-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2321, 13, '2023-04-18 08:19:22', '2023-04-18 08:19:22', '\n

Выдача любого кредита (в том числе и ипотечного) – риск для банка, который он всеми силами стремится свести к минимуму. Страхование квартиры, как предмета залога по ипотеке, является одним из инструментов снижения такого риска. О том, что такое обязательное страхование при ипотеке, и как оно работает, расскажем подробнее.

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Обязательно ли страховать квартиру при ипотеке

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Будущим ипотечникам приходится непросто. Нужно выбрать подходящее жилье, собрать документы для получения кредита, рассчитать оптимальный ипотечный платеж и подать заявку на кредитование в банк. Сделать все это в довольно сжатые сроки, поэтому и вопросов при оформлении ипотечного кредита возникает немало.

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Один из этих вопросов звучит так: «Обязательно ли страхование квартиры при ипотеке?» Чтобы ответить на него, разберемся, какие виды страховок при ипотечном кредитовании вообще существуют. А еще выясним, какие из них нужны обязательно, а без каких можно обойтись.

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Виды ипотечных страховок

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Существует три вида страхования, непосредственно связанных с ипотечным кредитованием:

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Разберемся, какие страховки обязательны при ипотеке.

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Обязательное ипотечное страхование

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Из приведенного перечня обязательным для заемщика является только первый вид страхования, который защищает сам объект недвижимости.

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Дело в том, что ипотечный кредит – долгая история, которая тянется годами, а иногда и десятилетиями. Если на столь длительном отрезке времени заемщик утратит свою платежеспособность и не сможет вносить обязательные платежи, банк просто продаст жилье и заберет часть вырученных средств в счет погашения долга.

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Если же с жильем что-то случится – оно будет разрушено из-за землетрясения, пожара или другого внешнего воздействия, продавать будет нечего – вернуть свои деньги банк не сможет.

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Именно поэтому законодатель обязывает заемщика страховать само жилье от утраты и повреждения (ст. 31 Федерального закона «Об ипотеке (залоге недвижимости)» от 16.07.1998 № 102-ФЗ). При наступлении страхового случая невыплаченную часть кредита погасит не заемщик, а страховщик.

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Правило об обязательном страховании недвижимости при ипотеке не действует в том случае, если квартира была куплена по ДДУ – договору долевого участия. Пока дом не достроен и не поставлен на кадастровый учет, формально квартиры не существует – а, значит, и страховать заемщику нечего. Первую страховку нужно купить только после подписания передаточного акта и регистрации права собственности на недвижимость в Росреестре.

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Что будет, если не застраховать квартиру при ипотеке

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Страховка приобретается ежегодно – можно оплатить продление действующего полиса или купить новый (даже в другой страховой компании). А еще можно приобрести полис на весь срок кредитования – оплатить его можно сразу или частями, раз в год перечисляя страховщику страховую премию.

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Полис нужно приобретать заранее, не дожидаясь, пока истечет срок действия предыдущей страховки. Если страховку не продлить, банк применит санкции – какие именно, можно прочитать в договоре кредитования, заключенном в момент оформления ипотеки.

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Банк может:

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А если заемщик отказывается от приобретения страхового полиса в момент оформления ипотеки, банк скорее всего просто откажет ему в выдаче кредита.

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Добровольное ипотечное страхование

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Остальные виды страхования при ипотеке не обязательны – заемщик сам решает, покупать страховку, или нет.

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Страхование жизни и здоровья

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Жизнь и здоровье заемщики чаще всего страхуют в добровольно-принудительном порядке. Если этого не сделать, банк увеличит процентную ставку по ипотеке (соответствующие условия устанавливаются договором ипотечного кредитования, заключенного между заемщиком и банком).

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Если стоимость страховки превышает выгоду от применения сниженной процентной ставки, от нее можно отказаться – просто не покупать страховой полис. Но и платить по кредиту при проблемах со здоровьем придется самостоятельно (а в случае смерти заемщика его долги перейдут наследникам).

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Титульное страхование

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Титульное страхование защищает права владельца недвижимости от проблем, которые уже есть, но о которых ни покупатель, ни банк на момент заключения сделки не знают. Обычно титульное страхование позволяет минимизировать риски, связанные с правовым статусом жилья – проблемы могут возникнуть, например, в следующих случаях:

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Страховать титул тоже необязательно – но банки часто настаивают на том, чтобы заемщик такую страховку все-таки купил. Логика банка проста: если квартира окажется проблемной, а сделку признают недействительной и отменят, заемщик останется без жилья – а при худшем (но вполне реальном) раскладе, еще и без денег. Расплатиться с банком он не сможет – значит банк останется без денег, которые были выданы заемщику в качестве кредита.

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Отказ от титульного страхования также может увеличить стоимость полиса, поэтому заемщику придется выбирать: покупать страховку или платить повышенные проценты по ипотеке.

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Если жилье приобретено на первичном рынке, страховать титул не нужно – риски, связанные с прошлыми владельцами, в этом случае полностью отсутствуют.

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Стоимость страхового полиса

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Стоимость страховки зависит от нескольких факторов:

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Сэкономить на страховке можно, приобретая полис не в той организации, которая выдала кредит, а в любой аккредитованной ею страховой компании. Перечень таких компаний можно найти на сайте кредитора. Чаще всего выгода получается существенная – например, обязательные страховки при ипотеке в Сбербанке стоят в два-три раза дороже, чем в сторонних страховых компаниях.

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Возврат денег за страховой полис при досрочном погашении кредита

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Если ипотечный кредит был погашен досрочно, остаток средств по страховке страховщик может вернуть страхователю. Какую именно сумму удастся получить, зависит от условий договора страхования.

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Некоторые страховщики делают полный перерасчет и возвращают страхователю часть страховой премии, рассчитанную пропорционально времени, оставшемуся до окончания срока действия полиса.

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Отдельные компании не так лояльны к клиентам – из оставшейся части страховой премии они вычитают расходы компании: иногда сумма вычета бывает сопоставима с суммой остатка, и на руки страхователь получает совсем небольшие деньги.

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Итак, если у вас есть ипотека, страховка квартиры обязательна. А вот жизнь и титул можно не страховать – но нужно готовиться к тому, что процентная ставка по кредиту увеличится как минимум на один процентный пункт.

\n', 'Обязательно ли страхование квартиры при ипотеке', 'Читатель узнает, что такое обязательное страхование при ипотеке, какие еще виды страхования бывают, и что будет, если недвижимость не застраховать. ', 'publish', 'open', 'open', '', 'obyazatelno-li-strahovanie-kvartiry-pri-ipoteke', '', '', '2023-04-18 08:19:22', '2023-04-18 08:19:22', '', 0, 'https://pampadu.ru/blog/?p=2321', 0, 'post', '', 0), (2323, 1, '2023-04-18 08:17:56', '2023-04-18 08:17:56', '', '1030х502 (3)', '', 'inherit', 'open', 'closed', '', '1030h502-3-2', '', '', '2023-04-18 08:17:56', '2023-04-18 08:17:56', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-3-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2326, 13, '2023-04-18 08:45:11', '2023-04-18 08:45:11', '\n

Владельцы ипотечных квартир знают, что помимо ежемесячных платежей есть регулярные расходы в виде страхования. Страхование при покупке недвижимости с помощью ипотеки является обязательным для заемщиков, дает банку гарантии закрытия долга в неожиданных обстоятельствах.

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Виды страховок

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Существует три вида страховых полисов при оформлении жилищного кредита:

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  1. Полис на квартиру, которая находится в залоге у банка.
  2. Полис защиты жизни и здоровья заемщика.
  3. Титульное страхование.
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Первый вид страховки является обязательным. Остальные два по закону относятся к добровольным (необязательным) видам страхования, но почти всегда они влияют на условия кредитования. Суммы страховых премий рассчитываются индивидуально, в большинстве случаев при оформлении ипотеки уже известна примерная стоимость страховых полисов. Страховка по ипотеке продление предполагает один раз в год.

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Зачем продлевать

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По действующему законодательству (ФЗ №102), продление страховки по ипотеке является обязательным для заемщиков. Даже небольшой перерыв в действии полиса грозит для заемщика неприятными последствиями. Действующий полис – прописанное в договоре условие, игнорировать его не получится.

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Если произошло окончание договора страхования и его не продлили, организация-кредитор имеет право на:

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Все последствия для заемщиков, если не продлить страховку по ипотеке, указаны в кредитном договоре. Конечно, аннулирование договора и требование досрочного закрытия кредита – крайняя мера, но банки могут на нее пойти, если другие средства воздействия не помогли. Увеличение процентной ставки по кредиту даже на 1% грозит ощутимой переплатой, увеличивает ежемесячный платеж, в среднем, на несколько тысяч рублей. Помимо финансовой переплаты, без полиса заемщик утрачивает защиту от непредвиденных обстоятельств, связанных с его жизнью и здоровьем, а также с самой квартирой.

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Документы для продления

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Узнать точно, какие документы для продления страховки ипотеки понадобятся, можно у представителя страховой компании или на сайте сервиса, где предполагается покупка. Если пролонгация происходит без смены страховщика, то почти всегда можно обойтись без документов. Они уже зафиксированы системой.

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Если страховка по ипотеке закончилась, а полис продляется со сменой страховой компании, то нужно подготовить список документов. Они предоставляются в виде оригиналов или сканов, некоторые сервисы требуют только указать данные, без загрузки самих документов. Максимальный пакет состоит из:

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  1. Паспорта заемщика или созаемщика.
  2. Договора ипотечного кредитования.
  3. Текущего графика платежей по кредиту.
  4. Справки ЕГРН.
  5. Заявления об открытии или пролонгации полиса.
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Почти всегда страховой полис действует 1 календарный год с момента оформления. Иногда предусмотрен льготный период, когда год уже прошел, но защита продолжает действовать при условии наличия следующего платежа. Также сейчас появились предложения о заключении договоров на весь период действия ипотеки. Если заемщик погасит кредит досрочно, он имеет право на обращение в страховую организации для возврата части уплаченного взноса.

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Как продлевать

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Если закончилась страховка по ипотеке, продлить можно разными способами:

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Если страховка по ипотеке через год продлевается у того же страховщика, то собирать пакет документов не потребуется. Пролонгация договора – техническая процедура и не требует больших усилий. Клиент может выбирать, у того же страховщика оформлять новый полис или сменить организацию. По закону такое право есть. Зачастую заемщики выбирают несколько страховых компаний для минимизации расходов.

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Как это работает? На каждый из трех видов необходимых страховок оформляется отдельный полис. Зачастую у одного страховщика выгодные условия, например, на страхование имущества, но стоимость защиты жизни и здоровья может быть выше рыночной. Выбирать полисы по стоимости оправдано с точки зрения контроля расходов, но это может отнять много времени и усилий. Узнать, какие страховые организации аккредитованы банками, можно при обращении в выдавший кредит банк (через отделение, на сайте, по горячей линии). Список страховщиков-партнеров может меняться.

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Сейчас набирает популярность использование специальных сервисов, которые экономят время заемщиков. Сервисы помогают быстро рассчитать платежи, когда нужна повторная страховка по ипотеке. Можно оперативно выбрать предложения с оптимальным соотношением рисков и стоимости. Оплата договоров и отправка готовых полисов происходят за несколько минут. Сервисами часто пользуются риэлторы и агентства недвижимости.

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Продление страховки через сервис Pampadu для агентов

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Среди сервисов-агрегаторов страховых компаний особое место занимает Pampadu. Это современная платформа для страховых агентов и агентов по недвижимости. Она позволяет быстро подобрать, какую страховку нужно продлевать при ипотеке, определиться с общей стоимостью. Кроме того, сервис помогает агентам зарабатывать. Комиссионное вознаграждение составляет от 5% до 50% от стоимости полиса.

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На платформе представлены все необходимые виды страховых программ, предусмотрены комплексные договоры. Действия, как продлить страховку по ипотеке, интуитивно понятны. Также есть инструкция с описанием шагов. Сервис работает с четырьмя крупными страховщиками, которые аккредитованы в восьми банках:

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  1. Сбербанк.
  2. ВТБ.
  3. Газпромбанк.
  4. Райффайзенбанк.
  5. Банк Дом РФ.
  6. Юникредит Банк.
  7. Московский кредитный банк.
  8. Банк Санкт-Петербург.
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Список партнеров (банков и страховщиков) постепенно увеличивается, но уже сейчас сервис позволяет оформить полис для большинства открытых в России ипотечных программ. Для агентов использование сервиса pampadu.ru бесплатно. При этом агенты-партнеры могут зарабатывать, оформляя нужные для клиентов полисы, сразу после регистрации в системе. В отличие от многих других платформ, здесь не нужно загружать документы и выполнять дублирующие действия. А время оформления занимает в среднем всего около 7 минут.

\n', 'Как продлить страховку по ипотеке', 'Ипотечная сделка предполагает, помимо ежемесячных платежей по кредиту, ежегодное продление страхового полиса. Узнать, обязательно ли это, как можно избежать переплаты и где лучше всего страховку по ипотеке продлить, можно в нашей статье.', 'publish', 'open', 'open', '', 'kak-prodlit-strahovku-po-ipoteke', '', '', '2023-04-18 08:45:11', '2023-04-18 08:45:11', '', 0, 'https://pampadu.ru/blog/?p=2326', 0, 'post', '', 0), (2327, 1, '2023-04-18 08:42:56', '2023-04-18 08:42:56', '', '1030х502 (4)', '', 'inherit', 'open', 'closed', '', '1030h502-4-8', '', '', '2023-04-18 08:42:56', '2023-04-18 08:42:56', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-4-3.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (2332, 13, '2023-04-18 11:22:42', '2023-04-18 11:22:42', '\n

Дорогие партнеры, на прошлой неделе, мы сообщили об изменениях которые произошли в телеграмм канале Пампаду.

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Стало проще следить за актуальной информацией и не терять её!

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Телеграмм каналы разделены по продуктам:
1. Страховые продукты Пампаду + доступ к закрытому клубу по заполненной заявке.
2. Pampadu CPA + чат поддержки
3. Агентский канал Пампаду — анонсы изменений на платформе, новости страхования, опросы, вебинары.

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? Все инструменты и поддержка для успешной работы в одном месте, увеличивайте свой доход с помощью продуктов Пампаду!

\n', '? Обновления в телеграмм канале Пампаду!', 'Все инструменты и поддержка для успешной работы в одном месте, увеличивайте свой доход с помощью продуктов Пампаду, ознакомьтесь с обновлениями в данной статье.', 'publish', 'open', 'open', '', 'obnovleniya-v-telegramm-kanale-pampadu', '', '', '2023-04-18 11:22:42', '2023-04-18 11:22:42', '', 0, 'https://pampadu.ru/blog/?p=2332', 0, 'post', '', 0), (2333, 1, '2023-04-18 11:22:05', '2023-04-18 11:22:05', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-45', '', '', '2023-04-18 11:22:05', '2023-04-18 11:22:05', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-4.png', 0, 'attachment', 'image/png', 0), (2337, 1, '2023-04-18 13:04:44', '2023-04-18 13:04:44', '', '1681822991007', '', 'inherit', 'open', 'closed', '', '1681822991007', '', '', '2023-04-18 13:04:44', '2023-04-18 13:04:44', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1681822991007.jpg', 0, 'attachment', 'image/jpeg', 0), (2338, 1, '2023-04-18 13:10:40', '2023-04-18 13:10:40', '', '1681823421845', '', 'inherit', 'open', 'closed', '', '1681823421845', '', '', '2023-04-18 13:10:40', '2023-04-18 13:10:40', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1681823421845.jpg', 0, 'attachment', 'image/jpeg', 0), (2339, 1, '2023-04-18 13:11:06', '2023-04-18 13:11:06', '', '1681823421845-1', '', 'inherit', 'open', 'closed', '', '1681823421845-1', '', '', '2023-04-18 13:11:06', '2023-04-18 13:11:06', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1681823421845-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2340, 1, '2023-04-18 13:15:22', '2023-04-18 13:15:22', '', '1681823664649', '', 'inherit', 'open', 'closed', '', '1681823664649', '', '', '2023-04-18 13:15:22', '2023-04-18 13:15:22', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1681823664649.jpg', 0, 'attachment', 'image/jpeg', 0), (2351, 13, '2023-04-19 08:29:40', '2023-04-19 08:29:40', '\n

ОСАГО — это полис обязательного страхования автогражданской ответственности.

Госавтоинспекция предлагает отменить обязательное предъявление полиса ОСАГО при постановке транспортного средства на учет.

? Такое предложение содержится в письме начальника Главного управления по обеспечению безопасности дорожного движения МВД РФ Михаила Черникова на имя председателя комитета Совета Федерации по экономической политике Андрея Кутепова.

Также предлагается исключить установленный законом «Об ОСАГО» контроль за исполнением владельцами транспортных средств обязанности по страхованию при регистрации, а также внести соответствующие изменения в другие законы.

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16 марта стало известно, что депутаты Госдумы разработали поправки в закон «Об ОСАГО», предусматривающие возможность досрочного расторжения договора страхования спустя три месяца после его заключения. Действующее законодательство позволяет автовладельцу заключить договор ОСАГО с учетом ограниченного использования транспортного средства в течение трех и более месяцев в году.

Однако страховая премия по договору обязательного страхования, которым учитывается ограниченное использование транспортного средства, определяется по особой формуле и фактически делает приобретение такого полиса невыгодным для страхователя, отмечают авторы законопроекта.

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Партнеры, на данный момент без ОСАГО при обычной проверке документов автомобилиста ждет штраф, а при ДТП, в котором он будет виноват, отсутствие полиса несет финансовые расходы.

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ЧАСТЫЕ ВОПРОСЫ ПО ОСАГО

 ❤️ Удачных продаж, команда Пампаду!

\n', '✔️ГИБДД за отмену требования полиса ОСАГО при регистрации машины.', 'Госавтоинспекция предлагает отменить обязательное предъявление полиса ОСАГО при постановке транспортного средства на учет. ', 'publish', 'open', 'open', '', 'gibdd-za-otmenu-trebovaniya-polisa-osago-pri-registratsii-mashiny', '', '', '2023-04-19 08:29:40', '2023-04-19 08:29:40', '', 0, 'https://pampadu.ru/blog/?p=2351', 0, 'post', '', 0), (2352, 1, '2023-04-19 08:29:12', '2023-04-19 08:29:12', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-7', '', '', '2023-04-19 08:29:12', '2023-04-19 08:29:12', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-2-1.png', 0, 'attachment', 'image/png', 0), (2354, 13, '2023-04-19 08:41:05', '2023-04-19 08:41:05', '\n

Для каждого автовладельца актуален вопрос, как выбрать страховую компанию. Для тех, кто живет в крупных городах, проблем нет, а вот в небольших населенных пунктах люди сталкиваются с тем, что есть одно, в лучшем случае несколько агентов, у которых и стоимость ОСАГО примерно одинаковая, и условия идентичные. Предлагаем правила выбора надежной компании, которая покроет все расходы, связанные со страховыми случаями.

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Важные критерии выбора страховой компании

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Давайте разберем, на что нужно обратить внимание при выборе страховой компании, прежде чем заключать договор:

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  1. Лицензия компании. Составьте для себя правила выбора надежной страховой компании — финансовая грамотность. Проверяйте лицензии, они есть у каждого страховщика.
  2. Стоимость полиса. На итоговую цену влияют: пол и возраст водителя, стаж управления автомобилем и прочее. В любой компании стоимость страховки устанавливается с учетом базовой ставки, установленной Центробанком России, поэтому слишком низкая цена должна насторожить. Скорее всего, полис окажется подделкой.
  3. Репутация страховщика. Поверяйте рейтинг надежности и качества услуг. Как правильно выбрать страховую компанию ОСАГО? Стоит проверить, как давно она позиционируется на рынке, отсутствие скрытых платежей и навязанных услуг при оформлении полиса.
  4. Сумма возмещения. ОСАГО — это страховка ответственности перед третьими лицами. Если вы будете виновником ДТП, то восстановление имущества и компенсация лечения пострадавшим производится за счет полиса. Максимум, на что вы можете рассчитывать — это 400 тысяч рублей на возмещение имущественного ущерба и 500 тысяч, если пострадали люди.
  5. Процедура урегулирования страхового случая. Изучите, как давно организация работает, и какой у нее процент положительно принятых решений.
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По каким критериям выбирать страховую компанию, разобрались. Еще один аспект, влияющий на выбор — это простота оформления полиса. Необязательно искать агента и посещать его офис, достаточно оформить полис в онлайн-формате. На заполнение обязательных полей уходит 5-10 минут, а сам документ придет на электронную почту страхователя.

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Преимущества и недостатки страхования ОСАГО онлайн

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Что важно при выборе страховой компании — это удобство оформления полиса. Онлайн-формат не предусматривает посещения офиса агента, сбор и предоставление справок, прочей бюрократии. Чтобы получить полис, достаточно:

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Среди преимуществ онлайн-оформления стоит отметить:

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  1. Экономию времени и денег. Чтобы приобрести страховку, достаточно доступа в интернет. Не придется затрачивать время и средства на бензин или дорогу.
  2. Выбор нужных услуг без «навязывания» дополнительных опций.
  3. Удобство хранения. Электронный вариант полиса можно распечатать или скачать на любой носитель.
  4. Невозможность потерять документ. Электронный полис придет на электронную почту, также он будет храниться в личном кабинете страхователя на сайте страховщика.
  5. Отсутствие рисков. Оформляя полис на официальном сайте страховой компании, вы не станете жертвой мошенников.
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Конечно, недостатки у электронного ОСАГО тоже есть. Например, если у вас недавно полученное удостоверение водителя или полис приобретается впервые, придется обращаться в офис компании или к агенту. Оформленный онлайн-документ дольше проверяется сотрудниками ГИБДД, а если при заполнении формы на сайте страховой вы допустите ошибку, полис будет недействительным.

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Это незначительные недостатки. Главное — разобраться, на что необходимо обратить внимание при выборе страховой компании. Если вы агент или ищете подработку, рекомендуем воспользоваться нашим сервисом. Мы — официальный партнер страховых компаний, с которым можно зарабатывать в онлайн-формате уже сегодня. Станьте представителем крупнейших компаний, готовых оплачивать вознаграждение за продажи и новых клиентов!

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Наше приложение доступно для скачивания в App Store, Google Play и в App Gallery ➡️ Ссылка
*откроется магазин приложений в зависимости от вашей операционной системы

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Дополнительно прикладываем файл apk, если ваш телефон не имеет доступ к перечисленным магазинам приложений ➡️ Ссылка.

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?Будем очень признательны за положительные отзывы для продвижения нашего приложения!

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Если вы столкнулись с какой-либо проблемой, опишите ее в чат поддержки с указанием ОС Android/IOS.
Мы продолжаем работать над приложением и очень ценим вашу обратную связь, ведь вы помогаете нам становится лучше!

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?Отличных продаж с Пампаду!

\n', 'Приложение Пампаду теперь доступно и для смартфонов Huawei и Xiaomi!', 'Пампаду в твоем смартфоне. Наше приложение доступно для скачивания в App Store, Google Play и в App Gallery.', 'publish', 'open', 'open', '', 'prilozhenie-pampadu-teper-dostupno-i-dlya-smartfonov-huawei-i-xiaomi', '', '', '2023-04-19 12:33:23', '2023-04-19 12:33:23', '', 0, 'https://pampadu.ru/blog/?p=2358', 0, 'post', '', 0), (2359, 1, '2023-04-19 12:32:22', '2023-04-19 12:32:22', '', '1030х502 (3)', '', 'inherit', 'open', 'closed', '', '1030h502-3-3', '', '', '2023-04-19 12:32:22', '2023-04-19 12:32:22', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-3-1.png', 0, 'attachment', 'image/png', 0), (2361, 13, '2023-04-20 06:59:09', '2023-04-20 06:59:09', '\n

Программа страхования ипотеки открывает новые перспективы для риелторских агентств и ИП. Более 50 % покупателей приобретают дома и квартиры в ипотеку. В связи с этим им требуется застраховать ипотечную собственность, что указано в рамках договора. Партнерская программа ипотеки на платформе Пампаду позволит оформить полис ипотечного страхования на выгодных для всех условиях.

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Что собой представляет партнерская программа ипотечной страховки

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Партнерская программа ипотеки позволит риелтору получать процент не только с продажи недвижимости, но и с реализации страховки. С сервисом Pampadu можно заработать до 60% комиссионного вознаграждения с каждого страхового полиса. Заемщик также останется в плюсе – риелтор сможет предложить ему тариф дешевле, чем в любом банке и большинстве страховых агентств.

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Как подключиться к нашей партнерской программе

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Для присоединения к программе страхования Пампаду, следует заполнить на сайте форму регистрации. Это займет у вас всего пару минут. После этого откроется доступ к личному кабинету, в котором в котором вам будут сразу доступны 9 страховых компаний для оформления ипотечного полиса.

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Продавать страховки можно дистанционно из любого места – весь процесс происходит онлайн. Партнеру начисляются проценты за каждый полис, оформленный через наш агрегатор страхования.

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Выгоды работы с онлайн-страхованием

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При заключении сделки риелтор может предложить клиенту дополнительную услугу, выбрав выгодный вариант по ипотечному страхованию. Покупателю недвижимости будет доступна страховка без посещения офиса и с экономией денег. Это повысит рейтинг агента по продажам и его популярность на рынке услуг.

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Благодаря постоянному потоку клиентов, риелторское агентство, присоединившееся к нашей программе партнерства, сможет повысить прибыль своей компании.

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Почему партнеры предпочитают сотрудничать с Pampadu

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Ипотечное страхование на Пампаду имеет такие преимущества:

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Сколько можно получать на ипотечном страховании

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С каждого проданного агентом полиса ему поступает прибыль. Процент вознаграждения зависит от вида страховки. Статус партнера не столь существенен – физические лица, самозанятые, юрлица или ИП могут зарабатывать до 60 % с каждой продажи.

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Страхование ипотеки, а также жизни и здоровья заемщика относится к одной из востребованных и доходных услуг.

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Если покупатель берет ипотеку на 5 млн. руб., то страхование недвижимости и здоровья будет стоить 15-20 тыс. руб. От продажи такой комплексной услуги агент заработает 60 % вознаграждения, что составляет 9-12 тыс. руб.

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Советы риелторам и агентствам, как эффективно донести преимущества программ ипотечного страхования до своих клиентов

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Разобраться в онлайн-страховании сможет любой новичок. Чтобы начать работать, изучите обучающие материалы. Опыт не требуется – служба поддержки Pampadu готова оперативно прийти к вам на помощь.

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Если у вашей компании есть сайт, вы сможете разместить там материалы партнерской программы в виде ссылок, баннеров или онлайн-калькулятора. Это поможет привлечь внимание клиентов к предоставляемой вами дополнительной услуге страхования.

\n', 'Программы онлайн-страхования для риелторов и агентств', 'Что дает программа страхования ипотеки риелтору? Станьте партнером платформы Pampadu и зарабатывайте до 60% вознаграждения за услуги. Расскажем про все преимущества партнерской программы ипотеки.', 'publish', 'open', 'open', '', 'programmy-strahovaniya-ipoteki-dlya-riehltorov-i-agentstv', '', '', '2023-04-20 06:59:09', '2023-04-20 06:59:09', '', 0, 'https://pampadu.ru/blog/?p=2361', 0, 'post', '', 0), (2362, 1, '2023-04-20 06:57:21', '2023-04-20 06:57:21', '', '1030х502 (6)', '', 'inherit', 'open', 'closed', '', '1030h502-6-4', '', '', '2023-04-20 06:57:21', '2023-04-20 06:57:21', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-6.jpg', 0, 'attachment', 'image/jpeg', 0), (2367, 13, '2023-04-20 10:09:56', '2023-04-20 10:09:56', '\n

? Дочитайте до конца!

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Во Всероссийском союзе страховщиков (ВСС) рассказали об одном виде мошенничества, с которым россияне начали сталкиваться все чаще.

Если человек проведет оплату на таком сайте, то его средства получат мошенники. Об этом сообщил вице-президент ВСС Сергей Ефремов.

Клиентам страховщиков рассылают сообщения от якобы страховых компаний, в которых говорят о необходимости пролонгировать страховку. К письму прикрепляют липовую ссылку для оплаты.

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Дорогие партнеры, будьте осторожны, проинформируйте клиентов и дайте им советы по избежанию мошенничества:

— Если клиент получил сообщение и оно вызвало сомнение, необходимо обратиться к агенту и уточнить нужно ли ему на самом деле что-то оплачивать;
— Необходимо внимательно проверить от кого поступило сообщение,
точный URL-адрес прикрепленного сайта;
— Ни в коем случае не вводить персональные данные на посторонних ресурсах, их могут заполучить злоумышленники;
— Предупредите клиента что лучше всегда обращаться к вам напрямую.

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Будьте внимательны ко всем рассылкам и не дайте себя обмануть!

? С заботой о вас, команда Пампаду!

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Банк ВТБ известен своими финансовыми продуктами. Его мажоритарный акционер – государство. Большая доля государственного участия вызывает доверие клиентов: учреждение быстро пресекает мошеннические действия и соблюдает условия соглашений. А партнерская программа ВТБ банка - хороший источник дополнительного дохода.

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Для того чтобы стать агентом банка нужно подключится к партнерке - на официальном сайте или через сервис Пампаду. Подключение к реферальной программе банка ВТБ с нашей платформой имеет много преимуществ:

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Платформа «Пампаду» предлагает подключиться к партнеркам разных банков. На сайте можно сравнивать условия, выбирать выгодные, работать с 2-3 продуктами. При этом не придется каждый раз заполнять анкету и заключать новый договор. Внесите данные 1 раз и приступайте к поиску.

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Актуальные офферы

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Партнерские программы банков — офферы, по которым можно получать вознаграждение за рекомендацию банковских продуктов. На платформе «Пампаду» представлено 6 офферов:

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 У заработка на партнерках нет максимального потолка. Он зависит от активности: больше заключенных договоров – выше полученное вознаграждение. По статистике, 60-70% партнеров получают 20-30 тысяч рублей ежемесячно. До 5% вебмастеров выходят на заработок в 100 тысяч рублей. 25% арбитражников рассчитывают на разовые гонорары.

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Условия партнерок

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Партнерские программы ВТБ доступны для физических и юридических лиц, ИП/ООО и самозанятых. Предварительно нужно изучить пул разрешенных и запрещенных источников трафика. Привлекать клиентов можно с помощью разных инструментов:

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Запрещены смс-рассылки и звонки, создание сайтов с дизайном банка, сео-трафик на бренд, контекст. Учитывайте список минус-слов для каждого оффера, по которым не допускается продвигать финансовые продукты.

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Вознаграждение начисляется только за новых клиентов банка. Зарегистрируйтесь на платформе «Пампаду», чтобы получить доступ к партнеркам. Если планируется заключать больше 20 договоров ежемесячно, лучше регистрироваться как ООО или ИП. В таком случае комиссии будут выше.

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Преимущества и недостатки партнерских программ ВТБ

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К достоинствам партнерок относят:

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  1. Большой выбор продуктов для разных категорий.
  2. Подробное описание условий.
  3. Легкое продвижение, благодаря надежности финансового учреждения, периодическим акциям для клиентов.
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Недовольство у вебмастеров вызывает только один момент – продолжительный холд (30 дней).Улучшите материальное положение без дополнительных вложений. Регистрируйтесь на платформе «Пампаду» и присоединяйтесь к партнерским программам ВТБ, чтобы получать вознаграждение за каждого, приведенного вами, клиента банка.

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? Делимся кейсами онлайн страхованию ипотеки:

Максимальная стоимость полиса - 101 376 руб.
Страховая компания - Ренессанс
Банк - Сбербанк
Остаток кредита - 9 000 000 руб.
Максимальное КВ - 50 688 руб.

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Максимальная стоимость полиса - 54 810 руб.
Страховая компания - ВСК
Банк - Сбербанк
Остаток кредита - 4 500 000 руб.
Максимальное КВ - 24 665 руб.

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Максимальная стоимость полиса - 24 770 руб.
Страховая компания - Энергогарант
Банк - Сбербанк
Остаток кредита - 10 520 484 руб.
Максимальное КВ - 12 385 руб.

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Максимальная стоимость полиса - 75 702 руб.
Страховая компания - Альфа Страхование
Банк - ВТБ
Остаток кредита - 7 400 000 руб.
Максимальное КВ - 11 355 руб.

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Максимальная стоимость полиса - 62 262 руб.
Страховая компания - ПАРИ
Банк - Банк ДОМ. РФ
Остаток кредита - 7 529 550 руб.
Максимальное КВ - 6 226  руб.

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Максимальная стоимость полиса - 6 914 руб.
Страховая компания - Росгосстрах
Банк - Сбербанк
Остаток кредита - 1 186 011 руб.
Максимальное КВ - 4 149  руб.

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Партнеры, благодаря ипотечному страхованию на Пампаду у вас есть возможность получать рекордное КВ 60% по ипотеке и повышать свой заработок, если вы еще не используете в работе ипотечное страхование –  представляем вашему вниманию обучающую презентацию.➡️ СМОТРЕТЬ
В которой вы узнаете особенности разных видов ипотечного страхования, способы снизить стоимость полиса и повысить продажи, а также условия и преимущества оформления через менеджеров Пампаду. 

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❣️ С любовью к своему делу, команда Пампаду!

\n', 'Кейсы онлайн страхования ипотеки', 'Каждый агент может получать рекордное КВ по ипотеке 60% на Пампаду. \nДелимся кейсами онлайн страхования ипотеки. ', 'publish', 'open', 'open', '', 'kejsy-onlajn-strahovaniya-ipoteki', '', '', '2023-04-21 13:50:52', '2023-04-21 13:50:52', '', 0, 'https://pampadu.ru/blog/?p=2374', 0, 'post', '', 0), (2378, 1, '2023-04-21 13:48:37', '2023-04-21 13:48:37', '', '1030х502 (5)', '', 'inherit', 'open', 'closed', '', '1030h502-5-7', '', '', '2023-04-21 13:48:37', '2023-04-21 13:48:37', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-5-3.jpg', 0, 'attachment', 'image/jpeg', 0), (2382, 1, '2023-04-21 14:10:58', '2023-04-21 14:10:58', '', 'Lichnyj_kabinet_strahovogo_agenta_-_16_kompanij_s_KV_35__i_bystrymi_vyplatami_2023-04-19_19-46-52', '', 'inherit', 'open', 'closed', '', 'lichnyj_kabinet_strahovogo_agenta_-_16_kompanij_s_kv_35__i_bystrymi_vyplatami_2023-04-19_19-46-52', '', '', '2023-04-21 14:10:58', '2023-04-21 14:10:58', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/Lichnyj_kabinet_strahovogo_agenta_-_16_kompanij_s_KV_35__i_bystrymi_vyplatami_2023-04-19_19-46-52.png', 0, 'attachment', 'image/png', 0), (2385, 1, '2023-04-21 14:11:25', '2023-04-21 14:11:25', '', 'Lichnyj_kabinet_strahovogo_agenta_-_16_kompanij_s_KV_35__i_bystrymi_vyplatami_2023-04-19_19-46-52-1', '', 'inherit', 'open', 'closed', '', 'lichnyj_kabinet_strahovogo_agenta_-_16_kompanij_s_kv_35__i_bystrymi_vyplatami_2023-04-19_19-46-52-1', '', '', '2023-04-21 14:11:25', '2023-04-21 14:11:25', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/Lichnyj_kabinet_strahovogo_agenta_-_16_kompanij_s_KV_35__i_bystrymi_vyplatami_2023-04-19_19-46-52-1.png', 0, 'attachment', 'image/png', 0), (2387, 1, '2023-04-21 14:17:51', '2023-04-21 14:17:51', '', 'Lichnyj_kabinet_strahovogo_agenta_-_16_kompanij_s_KV_35__i_bystrymi_vyplatami_2023-04-19_19-46-42', '', 'inherit', 'open', 'closed', '', 'lichnyj_kabinet_strahovogo_agenta_-_16_kompanij_s_kv_35__i_bystrymi_vyplatami_2023-04-19_19-46-42', '', '', '2023-04-21 14:17:51', '2023-04-21 14:17:51', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/Lichnyj_kabinet_strahovogo_agenta_-_16_kompanij_s_KV_35__i_bystrymi_vyplatami_2023-04-19_19-46-42.png', 0, 'attachment', 'image/png', 0), (2389, 1, '2023-04-21 14:18:54', '2023-04-21 14:18:54', '', 'Lichnyj_kabinet_strahovogo_agenta_-_16_kompanij_s_KV_35__i_bystrymi_vyplatami_2023-04-19_19-46-11', '', 'inherit', 'open', 'closed', '', 'lichnyj_kabinet_strahovogo_agenta_-_16_kompanij_s_kv_35__i_bystrymi_vyplatami_2023-04-19_19-46-11', '', '', '2023-04-21 14:18:54', '2023-04-21 14:18:54', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/Lichnyj_kabinet_strahovogo_agenta_-_16_kompanij_s_KV_35__i_bystrymi_vyplatami_2023-04-19_19-46-11.png', 0, 'attachment', 'image/png', 0), (2390, 1, '2023-04-21 14:20:04', '2023-04-21 14:20:04', '', 'Lichnyj_kabinet_strahovogo_agenta_-_16_kompanij_s_KV_35__i_bystrymi_vyplatami_2023-04-19_19-46-22', '', 'inherit', 'open', 'closed', '', 'lichnyj_kabinet_strahovogo_agenta_-_16_kompanij_s_kv_35__i_bystrymi_vyplatami_2023-04-19_19-46-22', '', '', '2023-04-21 14:20:04', '2023-04-21 14:20:04', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/Lichnyj_kabinet_strahovogo_agenta_-_16_kompanij_s_KV_35__i_bystrymi_vyplatami_2023-04-19_19-46-22.png', 0, 'attachment', 'image/png', 0), (2391, 13, '2023-04-21 14:44:36', '2023-04-21 14:44:36', '\n

Банк Тинькофф в 2021 году вошёл в список системно-значимых банков, который составляет Банк России. В 2022 году выручка компании составила чуть меньше 274 млрд рублей. Ликвидность Тинькофф – более 300 млрд рублей, а чистая прибыль банка – 63,4 млрд рублей. Сейчас у компании более 30 млн клиентов и она не собирается на этом останавливаться.  Тинькофф готов платить вам за привлечение новых клиентов. Рассмотрим, как это работает.

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Партнерская программа от Тинькофф – это возможность заработать на продуктах компании. Компания предлагает программы, которые пользуются спросом у населения: дебетовые и кредитные карты, открытие счетов для бизнеса, программы рассрочки и другие.

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Рассмотрим, как работает у компании Тинькофф партнерская программа. Вы выбираете услугу, которая будет интересна вашей аудитории, и размещаете информацию о ней в социальных сетях, в своём Блоге или на сайте. Как только по вашей ссылке перешёл человек, оформил кредитную карту или дебетовую карту, вам поступает вознаграждение на счёт. Вознаграждение зачисляется в рублях, которые можно сразу обналичить или потратить.

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Где размещать информацию

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Партнерская программа Тинькофф направлена на популяризацию продуктов банка. У потенциальных клиентов есть возможность сравнить и выбрать для себя более выгодные условия кредитования или оптимизировать расходы на сотовую связь. Размещать предложение с вашей партнёрской ссылкой можно:

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Размещать ссылки можно бесплатно или платно, например, настроить таргетированную рекламу ВКонтакте. Но если вы не знаете, как настраивать рекламные объявления, то можете просто взять информацию с официального сайта компании, добавить к нему партнёрскую ссылку, и разместить бесплатное объявление. Партнерская программа банка Тинькофф позволяет зарабатывать любому человеку.

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Почему это выгодно

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Никто не откажется от дополнительного заработка, особенно если это не требует больших усилий. Рассмотрим, почему стоит подключиться к партнёрской программе Тинькофф банка. Выгоды для вас:

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Вы можете посматривать актуальную статистику по своим объявлениям. Информация обновляется два раза в день.

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Офферы партнерки Тинькофф банка

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Если у вас есть Блог, сайт или страница в социальных сетях, то вы понимаете, что интересует вашу аудиторию. Выбирайте полезные офферы, которые предлагает Тинькофф банк, а партнерская программа обеспечит вам вознаграждение, если ваши подписчики воспользуются предложением.  Например:

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Это далеко не все офферы, которые предлагает партнёрская программа Тинькофф банка. Вы можете получить вознаграждение и за другие действия, например, найти специалиста, в котором нуждается компания.

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Чтобы деньги поступили на счёт, внимательно соблюдайте условия программы. Партнёрская программа Тинькофф банка – это гарантированные выплаты при соблюдении следующих условий:

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Заработать по партнёрской программе с Тинькофф банком можно от 1 000 рублей, предела нет. Вы можете сотрудничать  с компанией по фиксированной ставке или получать процент с прибыли банка, полученный от привлечённого клиента. Такой вариант сотрудничества более выгоден, если по вашей ссылке к банку подключится состоятельный человек или компания с оборотом в 100-200 млн рублей.

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Плюсы и минусы

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\n
ПлюсыМинусы
Известный брендНизкая вероятность подтверждения заявки
Подключение к партнёрской программе в течение дняРазмещать ссылки на некоторых ресурсах можно после согласования
Персональный менеджерПокупной трафик плохо окупается
Круглосуточная поддержка 
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Как подключиться к партнерке

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В статье мы рассмотрели, что это – партнёрская программа от Тинькофф и как она работает. Подключиться к ней можно через сайт банка, но есть более удобный способ – сервис Пампаду. ру. Эта платформа позволяет зарабатывать всем. Чтобы начать зарабатывать, зайдите на сайт и нажмите на кнопку «Регистрация».

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Офферы банка Тинькофф на Пампаду

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Дорогие партнеры, напоминаем что собираем урожай розыгрыша «Яблочного джема» где была возможность продавая банковские продукты в период с 1.02.2023 по 31.03.2023 быть номинированным и выиграть призы:

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— в номинации «Звезда Пампаду» — Macbook Air 2022 M2;
— в номинации «Сильный лидер» — iPhone 14 128ГБ;
— в номинации «Уверенный игрок» — Apple Watch Series 8 41мм;
— в номинации «Успешный старт» — Apple AirPods Pro 2.

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19.05.2023 опубликуем результаты розыгрыша и имена победителей!

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Благодаря высоким ставкам на Пампаду, не упустишь повышение собственного заработка!

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Все подробности по банковским продуктам опубликованы ➡️
в канале.

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❤️ Хороших продаж, команда Пампаду!

\n', 'С Пампаду — не пропаду,а выиграю престижную технику', 'Партнеры, подводим результаты акции «Яблочного джема» \n19.05.2023 опубликуем результаты розыгрыша и имена победителей!\nСледите за новостями!', 'publish', 'open', 'open', '', 's-pampadu-ne-propadu-a-vyigrayu-prestizhnuyu-tehniku', '', '', '2023-04-24 10:38:10', '2023-04-24 10:38:10', '', 0, 'https://pampadu.ru/blog/?p=2418', 0, 'post', '', 0), (2419, 1, '2023-04-24 10:36:35', '2023-04-24 10:36:35', '', '1030х502 (5)', '', 'inherit', 'open', 'closed', '', '1030h502-5-8', '', '', '2023-04-24 10:36:35', '2023-04-24 10:36:35', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-5-4.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (2421, 13, '2023-04-24 12:30:07', '2023-04-24 12:30:07', '\n

Коллеги, всем привет!

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⚡️ Сегодня мы готовы сообщить о том, что с 24.04.2023 г. открываем продажи полисов для новых клиентов в Рязанской и Тульской областях.

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Список открытых регионов по СК «АльфаСтрахованию» вы можете посмотреть в разделе \"Моя комиссия\"

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?Следите за обновлениями, команда Пампаду!

\n', 'Новые возможности по продукту ОСАГО СК «АльфаСтрахование»', 'Открываем продажи полисов по продукту ОСАГО СК «АльфаСтрахование» для новых клиентов в Рязанской и Тульской областях.', 'publish', 'open', 'open', '', 'novye-vozmozhnosti-po-produktu-osago-sk-alfastrahovanie', '', '', '2023-04-24 12:30:07', '2023-04-24 12:30:07', '', 0, 'https://pampadu.ru/blog/?p=2421', 0, 'post', '', 0), (2422, 1, '2023-04-24 12:27:51', '2023-04-24 12:27:51', '', '1030х502 (4)', '', 'inherit', 'open', 'closed', '', '1030h502-4-10', '', '', '2023-04-24 12:27:51', '2023-04-24 12:27:51', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-4-5.jpg', 0, 'attachment', 'image/jpeg', 0), (2424, 13, '2023-04-25 10:26:49', '2023-04-25 10:26:49', '\n

Комиссия на Пампаду выплачивается мгновенно для физ.лиц и самозанятых!

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На прошлой неделе мы запустили быстрые выплаты для всех ИП и ООО!

\n\n\n\n

Теперь процесс получения выплат очень удобен и не требует заполнения бумаг, все можно сделать в течении 5 минут онлайн.

\n\n\n\n

На данный момент более 200 агентов подписали новую оферту и получили доступ к функционалу, вывели 1 миллион рублей.

ИНСТРУКЦИЯ ЗДЕСЬ.

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?Вам на почту придет уведомление о расторжении текущего договора, не пугайтесь, это необходимо для перехода на быстрые выплаты.

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ПОДРОБНЕЕ О БЫСТРЫХ ВЫПЛАТАХ В ➡️ БЛОГЕ.

\n\n\n\n

?Заказывайте и выводите заработанное в любой момент, команда Пампаду!

\n', 'Быстрые выплаты на Пампаду для всех!', 'Быстрые выплаты на Пампаду.\nИнструкция как получить доступ к функционалу в данной статье. ', 'publish', 'open', 'open', '', 'bystrye-vyplaty-na-pampadu-dlya-vseh', '', '', '2023-04-25 10:26:49', '2023-04-25 10:26:49', '', 0, 'https://pampadu.ru/blog/?p=2424', 0, 'post', '', 0), (2425, 1, '2023-04-25 10:25:28', '2023-04-25 10:25:28', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-8', '', '', '2023-04-25 10:25:28', '2023-04-25 10:25:28', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-2-2.png', 0, 'attachment', 'image/png', 0), (2427, 13, '2023-04-25 13:02:49', '2023-04-25 13:02:49', '\n

? Таких условий нет ни у кого!

\n\n\n\n

Готовим для вас обновление реферальной программы.

\n\n\n\n

Привлекая новых агентов на Пампаду, вы будете зарабатывать с их продаж ОСАГО, ипотеки и банковских продуктов.

\n\n\n\n

⚡️Только представьте как сильно вырастет ваш доход, учитывая поднявшиеся ставки по банковским продуктам!

\n\n\n\n

Например, за 10 кредитных карт Газпром, оформленных одним рефералом, вы получите 4 275 руб.

\n\n\n\n

Запуск новой реферальной программы запланирован на май.

\n\n\n\n

?Следите за новостями,
команда Пампаду!

\n', 'Обновление реферальной программы.', 'Уже в мае планируется обновление по реферальной программе в Пампаду!\n', 'publish', 'open', 'open', '', 'obnovlenie-referalnoj-programmy', '', '', '2023-04-25 13:02:49', '2023-04-25 13:02:49', '', 0, 'https://pampadu.ru/blog/?p=2427', 0, 'post', '', 0), (2428, 1, '2023-04-25 12:27:56', '2023-04-25 12:27:56', '', '1030х502 (4)', '', 'inherit', 'open', 'closed', '', '1030h502-4-11', '', '', '2023-04-25 12:27:56', '2023-04-25 12:27:56', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-4-1.png', 0, 'attachment', 'image/png', 0), (2431, 13, '2023-04-26 09:53:33', '2023-04-26 09:53:33', '\n

Коллеги, совсем недавно мы сообщили об изменениях в телеграмм канале Пампаду!
У вас есть возможность вступить в чат Закрытого страхового клуба!

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Где можно делиться и помогать друг- другу и обсуждать рабочие ситуации по продуктам:
— ОСАГО/КАСКО;
— Ипотека;
— Свободное общение с коллегами, где можно обменяться опытом;
— В клубе проходят розыгрыши, где участники могут побороться за денежные призы!

\n\n\n\n

? Как раз сейчас в рубрике ипотеки проходит розыгрыш: «Лучший кейс от агента по ипотечному страхованию»
Где есть шанс выиграть денежный приз, а также публикация кейса в основном канале Пампаду.

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Доступ к закрытому клубу по заполненной заявке.

\n\n\n\n

Чтобы попасть в клуб, нужно иметь 3+ продажи ипотеки и 10+ продаж любого продукта на Пампаду.

\n\n\n\n

❣️Увидимся в закрытом клубе, команда Пампаду!

\n', 'Где лучшие условия? в Закрытом клубе!', 'Вступайте в Закрытый страховой клуб получайте возможность общаться с коллегами, узнавать новости страхования и участвовать в розыгрышах Пампаду!', 'publish', 'open', 'open', '', 'gde-luchshie-usloviya-v-zakrytom-klube', '', '', '2023-04-26 09:53:33', '2023-04-26 09:53:33', '', 0, 'https://pampadu.ru/blog/?p=2431', 0, 'post', '', 0), (2432, 1, '2023-04-26 09:51:48', '2023-04-26 09:51:48', '', '1030х502 (5)', '', 'inherit', 'open', 'closed', '', '1030h502-5-9', '', '', '2023-04-26 09:51:48', '2023-04-26 09:51:48', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-5-5.jpg', 0, 'attachment', 'image/jpeg', 0), (2435, 13, '2023-04-26 12:15:47', '2023-04-26 12:15:47', '\n

АльфаСтрахование в очередной раз расширяет сегментацию по ОСАГО.

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⚡️С 25.04.2023 г. открываем нижеуказанные регионы и типы бизнеса:

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Татарстан республика – открываем первичку, повышаем КВ по зеленому коридору, ReBuy и Пульсар.
Волгоградская область – открываем первичку.
Калининградская область – открываем первичку.
Нижегородская область – открываем зеленый коридор.
Пензенская область – открываем зеленый коридор.
Ростовская область – открываем первичку.

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Первичка - новый бизнес/клиент для компании.
Зеленый коридор - переход клиента из другой СК.

\n\n\n\n

❣️Хороших продаж!

\n', '?Изменение сегментации АльфаСтрахование.', 'АльфаСтрахование в очередной раз расширяет сегментацию по ОСАГО. С 25.04.2023 г. открываем новые регионы и типы бизнеса, ознакомиться подробнее в данной статье.', 'publish', 'open', 'open', '', 'izmenenie-segmentatsii-alfastrahovanie', '', '', '2023-04-26 12:15:47', '2023-04-26 12:15:47', '', 0, 'https://pampadu.ru/blog/?p=2435', 0, 'post', '', 0), (2436, 1, '2023-04-26 12:14:00', '2023-04-26 12:14:00', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-9', '', '', '2023-04-26 12:14:00', '2023-04-26 12:14:00', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-2-3.png', 0, 'attachment', 'image/png', 0), (2438, 13, '2023-04-27 09:28:00', '2023-04-27 09:28:00', '\n

На Пампаду есть возможность застраховать ипотеку по сложным случаям - дома, крупные остатки по кредиту, титул, возрастные заемщики, рефинансирование и прочее

❓ Ответы на частые вопросы по офлайн-страхованию ипотеки здесь.

1. Застраховали дом, с крупным остатком по кредиту
КВ - 12 013 руб.
Страховая компания - Ренессанс
Банк - ВТБ
Остаток кредита - 39 000 000 руб.

2. Застраховали дом
КВ - 18 181 руб.
Страховая компания - Ренессанс
Банк - Сбербанк
Остаток кредита - 4 200 000 руб.

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3. Застраховали жизнь возрастного заемщика (1959 г.)
КВ - 27 509 руб.
Страховая компания - Ренессанс
Банк - Сбербанк
Остаток кредита - 5 900 000 руб.

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Менеджер поможет оформить полис, когда нет возможности застраховать в онлайне. В заявке указывайте номер клиента.
Подробнее здесь.

Начисляем КВ по офлайн продуктам каждый понедельник!
Напоминаем, быстрые выплаты теперь доступны для всех агентов, даже для юр. лиц.

❣️Хороших продаж, команда Пампаду!

\n', 'Делимся кейсами офлайн страхования ипотеки', 'Успешные кейсы по офлайн страхованию ипотеки.\nПереходим в статью, читаем и вдохновляемся!', 'publish', 'open', 'open', '', 'delimsya-kejsami-oflajn-strahovaniya-ipoteki', '', '', '2023-04-27 09:28:00', '2023-04-27 09:28:00', '', 0, 'https://pampadu.ru/blog/?p=2438', 0, 'post', '', 0), (2439, 1, '2023-04-27 09:27:12', '2023-04-27 09:27:12', '', '1030х502 (5)', '', 'inherit', 'open', 'closed', '', '1030h502-5-10', '', '', '2023-04-27 09:27:12', '2023-04-27 09:27:12', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-5.png', 0, 'attachment', 'image/png', 0), (2442, 13, '2023-04-28 09:57:22', '2023-04-28 09:57:22', '\n

Хотим напомнить о том, что оформляя ипотечные полисы через личный кабинет Пампаду или через виджет, вам доступны эксклюзивные условия по ряду страховых компаний.

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В чем заключаются эксклюзив?

\n\n\n\n

— Стоимость полиса ниже рынка и других сервисов
— Расширен доступный список типов имущества для страхования
— Увеличенные лимиты по сумме долга
— Увеличенные лимиты по максимальному возрасту
— Уменьшенное количество требуемой информации для оформления полиса

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Попробуйте, сравнивайте расчеты, стоимость и размер вознаграждения по разным СК и банкам.

\n\n\n\n

Когда лучшая цена + КВ 50-60%, то даже сотрудники страховых компаний оформляют себе ипотечный полис через нас, а не напрямую.
? Попробуйте и вы.

\n\n\n\n

Частые вопросы при страховании ипотеки.

❣️ Хороших продаж, команда Пампаду

\n', '? Эксклюзивные условия по ипотеке на Пампаду.', 'Преимущества оформления ипотечного страхования на Пампаду.', 'publish', 'open', 'open', '', 'eksklyuzivnye-usloviya-po-ipoteke-na-pampadu', '', '', '2023-04-28 09:57:22', '2023-04-28 09:57:22', '', 0, 'https://pampadu.ru/blog/?p=2442', 0, 'post', '', 0), (2443, 1, '2023-04-28 09:56:54', '2023-04-28 09:56:54', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-10', '', '', '2023-04-28 09:56:54', '2023-04-28 09:56:54', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-2-4.png', 0, 'attachment', 'image/png', 0), (2445, 13, '2023-04-28 11:36:27', '2023-04-28 11:36:27', '\n

⚠️ Важная информация про выплаты и тех. поддержку в праздничные дни.

\n\n\n\n

?В майские праздники выплаты агентам будут производиться в обычном режиме:

\n\n\n\n\n\n\n\n

? График работы тех. поддержки:

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1 мая — с 9:00 до 15:00;
С 2 мая — в обычном режиме;
6, 7, 8 и 9 мая — 9:00 до 15:00;
С 10 мая - в обычном режиме.

\n\n\n\n

Планируйте свою работу заранее и не забывайте отдыхать.

\n\n\n\n

?Хороших выходных и прекрасного настроения, команда Пампаду!

\n', 'График работы Пампаду на майские праздники', 'Информация про выплаты и техническую поддержку в праздничные дни.', 'publish', 'open', 'open', '', 'grafik-raboty-pampadu-na-majskie-prazdniki', '', '', '2023-04-28 11:36:27', '2023-04-28 11:36:27', '', 0, 'https://pampadu.ru/blog/?p=2445', 0, 'post', '', 0), (2446, 1, '2023-04-28 10:55:44', '2023-04-28 10:55:44', '', '1030х502 (7)', '', 'inherit', 'open', 'closed', '', '1030h502-7-4', '', '', '2023-04-28 10:55:44', '2023-04-28 10:55:44', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-7-2.jpg', 0, 'attachment', 'image/jpeg', 0), (2448, 13, '2023-05-01 11:49:00', '2023-05-01 11:49:00', '\n

Желаем вам теплых солнечных дней и веселья,
Пусть весна вдохновляет на новые достижения,
а удача сопутствует во всех начинаниях.
Счастья, улыбок и добра!

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С графиком работы технической поддержки и начислением выплат можно ознакомиться ➡️ ЗДЕСЬ.

\n\n\n\n

❣️Желаем вам приятных выходных,
Команда Пампаду.ру!

\n', '? Партнеры, поздравляем вас с 1 мая днём весны и труда!', 'Партнеры, поздравляем вам с 1 мая! \nИскренние поздравления от команды Пампаду в данной статье.', 'publish', 'open', 'open', '', 'partnery-pozdravlyaem-vas-s-1-maya-dnyom-vesny-i-truda', '', '', '2023-05-01 11:49:00', '2023-05-01 11:49:00', '', 0, 'https://pampadu.ru/blog/?p=2448', 0, 'post', '', 0), (2449, 1, '2023-04-28 11:51:26', '2023-04-28 11:51:26', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-11', '', '', '2023-04-28 11:51:26', '2023-04-28 11:51:26', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/04/1030h502-2-5.png', 0, 'attachment', 'image/png', 0), (2452, 13, '2023-05-03 09:19:44', '2023-05-03 09:19:44', '\n

Приложение Пампаду доступно для скачивания в App Store, Google Play и в App Gallery по ссылке здесь.
По запросам предоставляем также файл apk ссылка здесь.

\n\n\n\n

?Будем очень признательны за положительные отзывы для продвижения нашего приложения!

\n\n\n\n

Сегодня добавили отступ в приложении, теперь внизу экрана кнопки всегда доступны; починили скачивание полисов.
Мы продолжаем работать над приложением и очень ценим вашу обратную связь, ведь вы помогаете нам становится лучше!

\n\n\n\n

Если вы столкнулись с какой-либо проблемой, опишите ее в чат поддержки с указанием ОС Android/IOS.

\n\n\n\n

? Хороших продаж, команда Пампаду

\n', '? Зарабатывай в любом месте вместе с приложением Пампаду!', 'Зарабатывай с Пампаду через мобильное приложение!\nПриложение доступно для скачивания в App Store, Google Play и в App Gallery', 'publish', 'open', 'open', '', 'zarabatyvaj-v-lyubom-meste-vmeste-s-prilozheniem-pampadu', '', '', '2023-05-03 09:19:44', '2023-05-03 09:19:44', '', 0, 'https://pampadu.ru/blog/?p=2452', 0, 'post', '', 0), (2453, 1, '2023-05-03 09:19:06', '2023-05-03 09:19:06', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-46', '', '', '2023-05-03 09:19:06', '2023-05-03 09:19:06', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502.jpg', 0, 'attachment', 'image/jpeg', 0), (2455, 13, '2023-05-03 12:39:24', '2023-05-03 12:39:24', '\n

На Пампаду можно оформить не только страхование ОСАГО, но и КАСКО

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Приводим несколько кейсов заработка наших агентов в апреле:

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  1. КВ - 38 296 руб.
    СК - Тинькофф страхование
    Стоимость полиса - 247 554 руб.
  2. КВ - 35 503 руб.
    СК - Тинькофф страхование
    Стоимость полиса - 183 600 руб.
  3. КВ - 10 123 руб.
    СК - Гелиос
    Стоимость полиса - 59 332 руб.
\n\n\n\n

Если вы оформляли КАСКО на Пампаду в прошлом году, не забудьте предложить клиенту пролонгацию полиса. Наши менеджеры также позвонят вам с напоминанием.

\n\n\n\n

Помимо собственных пролонгаций, вы также можете оформить пролонгацию полиса, оформленного в другом месте. Оставьте заявку как обычно и сообщите подробности менеджеру.

\n\n\n\n

Размер КВ по КАСКО можно узнать здесь.
При тесном общении с менеджером расчета получится подобрать полис с лучшими условиями для клиента и хорошим КВ!

\n\n\n\n

❣️Отличных продаж!

\n', 'Кейсы по оформлению КАСКО в апреле.', 'Делимся успешными кейсами по оформлению КАСКО на Пампаду. ', 'publish', 'open', 'open', '', 'kejsy-po-oformleniyu-kasko-v-aprele', '', '', '2023-05-03 12:39:24', '2023-05-03 12:39:24', '', 0, 'https://pampadu.ru/blog/?p=2455', 0, 'post', '', 0), (2456, 1, '2023-05-03 12:38:41', '2023-05-03 12:38:41', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-47', '', '', '2023-05-03 12:38:41', '2023-05-03 12:38:41', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502.png', 0, 'attachment', 'image/png', 0), (2458, 13, '2023-05-04 10:24:42', '2023-05-04 10:24:42', '\n

В России предлагают увеличить срок ремонта автомобиля по ОСАГО с 30 до 45 дней, соответствующую рекомендацию Совет Федерации дал Минфину.

Обсуждение действительно ведётся, сообщил представитель Российского союза автостраховщиков (РСА). В пресс-службах Минфина и ЦБ не ответили на запрос.

Сейчас у владельца поврежденного авто есть два пути решения проблемы по ОСАГО:

— Получение денег;
— Ремонт машины.

В течении 5 дней после ДТП владелец автомобиля может обратиться в страховую компанию, а затем отправить транспортное средство на экспертизу или же вызвать оценщика от страховщика. После экспертизы оценку отправляют владельцу авто, и с этого момента начинается отсчет срока.

Совфед рекомендовал Минфину увеличить доступный период ремонта до 45 дней временно, но сколько продлится такое нововведение, в документе не уточняется.

?Следите за новостями вместе с Пампаду!

\n', 'Сроки ремонта по ОСАГО могут увеличиться с 30 дней до 45 дней.', 'В России предлагают увеличить срок ремонта автомобиля по ОСАГО с 30 до 45 дней, подробнее в данной статье.', 'publish', 'open', 'open', '', 'sroki-remonta-po-osago-mogut-uvelichitsya-s-30-dnej-do-45-dnej', '', '', '2023-05-04 10:24:42', '2023-05-04 10:24:42', '', 0, 'https://pampadu.ru/blog/?p=2458', 0, 'post', '', 0), (2459, 1, '2023-05-04 10:23:59', '2023-05-04 10:23:59', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-48', '', '', '2023-05-04 10:23:59', '2023-05-04 10:23:59', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2461, 13, '2023-05-04 11:42:14', '2023-05-04 11:42:14', '\n

У нас еще одна “горячая” новость!

Мы запустили новый инструмент - виджеты и витрины!

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Создайте свой финансовый маркетплейс, витрину или виджет за 5 минут, с помощью удобного конструктора в личном кабинете Пампаду!

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Используйте тонкие настройки для тестирования гипотез, устанавливайте Яндекс Метрику, настраивайте цели и проводите более эффективные рекламные кампании с оптимизацией по конверсиям повышая свой ROMI!

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? СОЗДАТЬ ВИТРИНУ ?

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Новости по офферам в ➡️ канале.

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? Всем роста продаж, команда Пампаду!

\n', 'Успеваете за обновлениями на Пампаду?', 'Создайте свой финансовый маркетплейс, витрину или виджет за 5 минут, с помощью удобного конструктора в личном кабинете Пампаду! ', 'publish', 'open', 'open', '', 'uspevaete-za-obnovleniyami-na-pampadu', '', '', '2023-05-04 11:42:14', '2023-05-04 11:42:14', '', 0, 'https://pampadu.ru/blog/?p=2461', 0, 'post', '', 0), (2462, 1, '2023-05-04 11:19:00', '2023-05-04 11:19:00', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-9', '', '', '2023-05-04 11:19:00', '2023-05-04 11:19:00', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-1.png', 0, 'attachment', 'image/png', 0), (2465, 13, '2023-05-05 09:55:58', '2023-05-05 09:55:58', '\n

Зарабатывайте с помощью виджетов на Пампаду.

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Повышайте свой заработок с помощью виджетов и витрин Пампаду, легко интегрируйте и запускайте продажи полисов ОСАГО, Ипотеки или банковских продуктов на своем сайте или в приложении.

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Настраивайте индивидуальный внешний вид или выбирайте одну из готовых цветовых схем, чтобы посетители воспринимали виджет как часть вашего сайта или приложения.

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Делитесь ссылками на виджеты со своими клиентами, пройдя по которым они смогут самостоятельно рассчитать, сравнить, купить или оформить продукт, а вы за это получите стандартное вознаграждение.

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Отслеживайте статистику своих виджетов онлайн, тестируйте гипотезы и находите максимально эффективные связки для увеличения своего дохода!

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❣️ Хороших продаж, команда Пампаду!

\n', 'Зарабатывайте с помощью виджетов на Пампаду.', 'Повышайте свой заработок с помощью виджетов и витрин Пампаду, легко интегрируйте и запускайте продажи полисов ОСАГО, Ипотеки или банковских продуктов на своем сайте или в приложении.', 'publish', 'open', 'open', '', 'zarabatyvajte-s-pomoshhyu-vidzhetov-na-pampadu', '', '', '2023-05-05 09:55:58', '2023-05-05 09:55:58', '', 0, 'https://pampadu.ru/blog/?p=2465', 0, 'post', '', 0), (2466, 1, '2023-05-05 09:55:44', '2023-05-05 09:55:44', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-49', '', '', '2023-05-05 09:55:44', '2023-05-05 09:55:44', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-2.png', 0, 'attachment', 'image/png', 0), (2469, 15, '2023-05-05 11:49:11', '2023-05-05 11:49:11', '\n

Банковские офферы – прибыльная ниша среди предложений, которые можно продвигать по партнерским программам. Счета, вклады, дебетовые, кредитные карты с выгодными условиями регулярно требуются людям. Партнерская программа Открытие объединяет все продукты банка «Открытие», которые оформляются по ПП на сайте Пампаду.

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Как подключиться к партнерке банка «Открытие»

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Для подключения к ПП необходимо выполнить следующие шаги:

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\"\"
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\"\"
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Офферы партнерки банка «Открытие»

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Партнерка банка Открытие на Пампаду представлена сразу несколькими категориями офферов. Среди них найдется то, что можно предложить вашей аудитории, если вы блогер либо владелец сайта или сообщества в соцсети. Также это дает больше возможностей при размещении рекламы. Например, в места, где реклама кредитных карт не приветствуется, можно предлагать дебетовую карту или ипотеку.

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Выбирайте выгодный оффер для себя

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  1. Кредитные карты, комиссия 2800 рублей за целевое действие:
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\"\"
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2. Дебетовые карты, выгода 1300 рублей:

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\"\"
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3. Кредит, вознаграждение по ПП – 8800 рублей:

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\"\"
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4. РКО, выплата по ПП 2370 рублей:

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\"\"
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5. Ипотека, комиссия 16000 рублей:

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Pampadu – давний партнер банка «Открытие», поэтому здесь часто появляются выгодные офферы с большой комиссией и хорошими условиями для лида, которые легко продвигать. Об изменениях в условиях вас будут информировать оповещения на сайте, так вы ничего не пропустите.

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Сколько можно заработать на партнерской программе Открытие в Пампаду

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Сумма заработка на партнерской программе банка «Открытие» зависит от нескольких факторов, таких как тип продукта, количество клиентов, размер вознаграждения. Условия партнерской программы могут быть различными для каждого вида оффера. Минимальный заработок по перечисленным предложениям – 1300 рублей, это комиссия за дебетовую карту. Сумма небольшая, но дебетовые карты продвигать проще всего, и выдают их независимо от занятости и уровня дохода. Наибольшая сумма за 1 сделку – 16 тысяч рублей, ее можно получить за оформленную ипотеку.

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Также возможно получение бонусов и премий за выполнение условий. Окончательный заработок зависит от результативности рекламной кампании, количества клиентов, качества выполняемых ими целевых действий, поэтому точную сумму заработка заранее предсказать невозможно.

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ПП Открытие: плюсы и минусы

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Сервис партнерских продаж Пампаду предоставляет доступ к офферам для вебмастеров, блогеров, для всех, кто хочет заработать на ПП. Если вы собираетесь выбрать партнерку этого банка, вот ее плюсы:

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У ПП данного банка есть также и ряд недостатков:

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Соотношения плюсов и минусов офферов банка Открытие – однозначно в пользу плюсов. Банк честно выплачивает комиссии, не задерживает выплаты и не обманывает с начислениями. Сервис Pampadu отслеживает действия банка для защиты своих пользователей и тоже выплачивает деньги в обозначенный срок.

\n', 'Партнерская программа банка Открытие', 'Банковские офферы – прибыльная ниша среди предложений, которые можно продвигать по партнерским программам. В статье рассмотрим подробнее', 'publish', 'open', 'open', '', 'partnerskaya-programma-banka-otkrytie', '', '', '2023-05-05 11:49:11', '2023-05-05 11:49:11', '', 0, 'https://pampadu.ru/blog/?p=2469', 0, 'post', '', 0), (2470, 13, '2023-05-05 11:34:14', '2023-05-05 11:34:14', '\n

? Техническая поддержка работает:
6, 7, 8 и 9 мая С 9:00 до 15:00

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График работы менеджеров по офлайн ипотеке:
6 и 8 мая — с 10:00 до 15:00 по МСК,
7 и 9 мая — выходной.

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График работы менеджеров по КАСКО:
6, 7, 8 и 9 мая - с 10:00 до 18:00 по МСК.

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?Выплаты агентам будут производиться в обычном режиме:
— физ. лицам и самозанятым поступление на карту в течение 1 минуты;
— юр. лицам поступление на расчетный счет в течение 1-7 рабочих дней после принятия акта в ЛК.

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?Планируйте свою работу заранее!
Прекрасных выходных, команда Пампаду!

\n', 'Важная информация про выплаты и тех. поддержку в праздничные дни.', 'График работы Пампаду на майские праздники.', 'publish', 'open', 'open', '', 'vazhnaya-informatsiya-pro-vyplaty-i-teh-podderzhku-v-prazdnichnye-dni', '', '', '2023-05-05 11:34:14', '2023-05-05 11:34:14', '', 0, 'https://pampadu.ru/blog/?p=2470', 0, 'post', '', 0), (2471, 1, '2023-05-05 11:34:01', '2023-05-05 11:34:01', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-50', '', '', '2023-05-05 11:34:01', '2023-05-05 11:34:01', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-3.png', 0, 'attachment', 'image/png', 0), (2473, 1, '2023-05-05 11:38:18', '2023-05-05 11:38:18', '', '1683286683451', '', 'inherit', 'open', 'closed', '', '1683286683451', '', '', '2023-05-05 11:38:18', '2023-05-05 11:38:18', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683286683451.jpg', 0, 'attachment', 'image/jpeg', 0), (2474, 1, '2023-05-05 11:40:03', '2023-05-05 11:40:03', '', '1683286792130', '', 'inherit', 'open', 'closed', '', '1683286792130', '', '', '2023-05-05 11:40:03', '2023-05-05 11:40:03', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683286792130.jpg', 0, 'attachment', 'image/jpeg', 0), (2475, 1, '2023-05-05 11:41:10', '2023-05-05 11:41:10', '', '1683286860517', '', 'inherit', 'open', 'closed', '', '1683286860517', '', '', '2023-05-05 11:41:10', '2023-05-05 11:41:10', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683286860517.jpg', 0, 'attachment', 'image/jpeg', 0), (2476, 1, '2023-05-05 11:42:15', '2023-05-05 11:42:15', '', '1683286923254', '', 'inherit', 'open', 'closed', '', '1683286923254', '', '', '2023-05-05 11:42:15', '2023-05-05 11:42:15', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683286923254.jpg', 0, 'attachment', 'image/jpeg', 0), (2477, 1, '2023-05-05 11:43:58', '2023-05-05 11:43:58', '', 'личный кабинет Пампаду', '', 'inherit', 'open', 'closed', '', '1683287023297', '', '', '2023-05-05 11:43:58', '2023-05-05 11:43:58', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683287023297.jpg', 0, 'attachment', 'image/jpeg', 0), (2478, 1, '2023-05-05 11:44:59', '2023-05-05 11:44:59', '', '1683287085881', '', 'inherit', 'open', 'closed', '', '1683287085881', '', '', '2023-05-05 11:44:59', '2023-05-05 11:44:59', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683287085881.jpg', 0, 'attachment', 'image/jpeg', 0), (2479, 1, '2023-05-05 11:48:10', '2023-05-05 11:48:10', '', '1030х502-2', '', 'inherit', 'open', 'closed', '', '1030h502-2-12', '', '', '2023-05-05 11:48:10', '2023-05-05 11:48:10', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-2.jpg', 0, 'attachment', 'image/jpeg', 0), (2484, 15, '2023-05-05 12:03:44', '2023-05-05 12:03:44', '\n

Реферальные программы – это один из рабочих инструментов маркетинга, позволяющий компаниям привлекать новую целевую аудиторию с минимальными тратами.

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Что такое реферальная система

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Суть проекта – клиенты приглашают своих знакомых и друзей воспользоваться услугами или купить товары компании, за что получают вознаграждение.

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В отличие от партнерской программы при реферальной за привлечение нового клиента вознаграждение получает не только партнер (реферер), но и пришедший по его рекомендации клиент (реферал). При партнерском маркетинге за продажу товаров или услуг денежный бонус получает только партнер.

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Реферальная программа (РП) – способ продвижения товаров и услуг, который отлично подходит стартапам, малому и среднему бизнесу. Участник получает уникальную ссылку или код, который можно передавать друзьям и знакомым. Если кто-то из них переходит по этой ссылке и оформляет покупку на сайте компании, то реферер получает вознаграждение в виде определенного бонуса (скидка, бонусные баллы или деньги).

\n\n\n\n

Так, сервис Dropbox предлагал 500 Гб в облаке за каждого друга, который по их рекомендации начинал бы пользоваться хостингом. За 15 месяцев компания увеличила клиентскую базу в 40 раз.

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Для запуска системы не требуется специальных знаний или опыта для продвижения товаров или услуг компании. Не нужно создавать свой сайт или блог для размещения рекламных материалов. «Рефералка» – это простой заработок для обычных пользователей интернета.

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Виды реферального маркетинга

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Существует несколько типов программ, различающихся по условиям участия и вознаграждениям.

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По задачам

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Это классическая реферальная программа, в которой пользователь приглашает друзей или знакомых присоединиться к сервису или приложению, за что получает бонусы или скидки на свои покупки.

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Ряд предприятий в качестве рефереров используют своих сотрудников, которые получают бонус, если приведут на работу в свою компанию востребованных специалистов: программистов, руководителей звена, узкопрофильных работников. Бизнес экономит на кадровых агентствах и рекрутерах.

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По виду вознаграждения

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Различают следующие виды наград:

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По условиям участия и вознаграждениям различают односторонние и двусторонние программы. В первом случае вознаграждение получает только реферер, во втором – он и привлеченный им клиент. Есть многоуровневые реферальные программы с возможностью заработка на приглашении друзей не только первого уровня, но и тех, кто был приглашен вторыми или третьими.

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Активным пользователем РП является американская компания Blizzard. Она разработала «рефералки» почти для каждой своей онлайн-игры. Игроки-рефереры, привлекая друзей, получают бонусы в виде опыта, уникальных способностей или бесплатной подписки. Не остаются внакладе и новички-рефералы. Им также предлагается бонус в виде снаряжения или очков опыта.

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Плюсы и минусы

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Плюсы реферальной программы:

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Однако, несмотря на то что программа позволяет получить новых клиентов почти без усилий, её эффективность зависит от активности рефералов. Это значит, что компании придется найти оптимальные средства их мотивации.

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Реферальные программы почти не работают в сегменте B2B или на товарах и услугах экстренного спроса (услуги эвакуатора, сантехника). Зато они популярны среди владельцев онлайн-магазинов, а также интернет-сервисов.

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Преимущества «партнерки» заключаются в более высокой комиссии за продажу, возможности выбора целевой аудитории и контроле качества продукта или услуги. Ее главный минус – временные и финансовые траты на рекламу.

\n\n\n\n

Выбор между реферальной и партнерской программой зависит от целей компании, характеристик продукта или услуги. Важно также помнить об этических нормах при подобных маркетинговых действиях.

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Сколько можно заработать

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Одной из причин, почему люди присоединяются к реферальным программам, является возможность заработать. Это процент от суммы заказа, который оформит человек, пришедший по реферальной ссылке. Дополнительный доход вебмастеров, работающих по реферальным проектам, составляет до 20 тысяч в месяц.

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Заработать на программе можно только при активном продвижении своей ссылки, а также привлечении новых клиентов. При пассивном распространении ссылок, QR или промокодов только среди своих друзей заработок будет небольшим.

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Виды вознаграждений

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В рамках реферальной программы возможны различные виды вознаграждения для участников:

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Задача отдела маркетинга – подобрать такой вид вознаграждения, который будет стимулировать клиентов к активному продвижению компании среди его друзей и знакомых.

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Партнерская программа предполагает более активное участие партнера в продажах товаров или услуг. Он получает комиссионные за каждую проданную единицу товара или услугу по ссылке-партнерке. При этом у него есть возможность выбора модели оплаты: CPA (оплата за действия), CPL (оплата за лид) или CPS (оплата за продажу).

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Чем отличается партнерская программа от реферальной

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Стоит сразу отметить, что это два разных подхода к привлечению клиентов. Реферальная программа базируется на рекомендациях существующих клиентов, которые получают вознаграждение за привлечение новых пользователей. Партнерский проект тесное предполагает сотрудничество с сайтами или блогерами, которые рекламируют продукты или услуги компании и получают за это комиссию от продаж.

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Базовое отличие:

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Первая, как правило, обходится дешевле компании, так как вознаграждения за привлечение новых клиентов ниже в сравнении с комиссиями «партнерки».

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Оба вида могут использоваться одновременно для достижения различных целей. Например, компания может запустить партнерскую программу для увеличения продаж, а реферальный проект – для увеличения лояльности клиентов.

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Риэлтор – популярная профессия в сегменте недвижимости. Рынок развивается, растет спрос на услуги профессионалов.

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Однако, как и в любой другой сфере, зарплатные ожидания не всегда соответствуют реалиям, поэтому многие риэлторы начинают искать дополнительный заработок.

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Сегодня у специалистов этого профиля есть дополнительный доход – страхование. В чем особенности работы и как заработать на страховании риэлтору? Разбираемся.

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Как начать работать

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Для агента, который ищет дополнительный заработок, страхование недвижимости – отличный вариант. У специалиста уже имеется наработанная клиентская база, с которой начинают работать. При оформлении сделки по купле-продаже или аренде недвижимости риэлтор может дополнительно выступить в качестве страхового агента и в итоге получить двойной доход.

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Первое, что рекомендуется сделать – это изучить виды страхования.

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Затем стоит разработать план продаж:

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Еще на этапе подбора агент рассказывает об услуге. Работать можно с клиентами, которые уже купили жилье или в процессе его приобретения, а также как вариант, использовать базу данных клиентов. При этом не требуется регистрировать отдельную компанию, оформлять ИП или ООО. С каждого заключенного договора агент получает вознаграждение, поэтому страхование недвижимости обеспечивает регулярный доход, а также помочь укрепить связь с клиентами.

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Виды дополнительных заработков

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Для получения дополнительного дохода риэлтор использует несколько методов. Базовый доход специалиста – это оформление сделок по аренде или продаже недвижимости. Специалист заключает договор с клиентом, получая оплату за свои услуги.

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Где еще найти целевую аудиторию?

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Риэлторы участвуют в маркетинговых акциях, проводимых компаниями-застройщиками. Ищут клиентов не только для себя, но и для риэлтерских агентств, получая за это комиссию от суммы продаж, процент от стоимости объекта или фиксированные выплаты за каждого нового покупателя.

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Однако эффективным видом дополнительного заработка показало себя страхование.

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Одно из его преимуществ – упрощенное оформление. Заключив партнерский договор, риэлтор автоматически получает доступ в личный кабинет. Здесь он подбирает страховую компанию, делает расчет стоимости страховки, оформляет страховой полис.

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Онлайн-страхование – это выгодно

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Можно ли заработать риэлтором на страховании? Конечно. Сегмент онлайн-страховок набирает популярность ввиду упрощения процедуры, экономии времени и денег, так как на многие продукты страховщики предоставляют скидки.

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Риэлторы предлагают оформление страховки удаленно. Это означает, что все процессы, от подбора тарифа до внесения оплаты, происходят онлайн. Не нужно дополнительно снимать офис, оформлять кучу документов, организовывать личные встречи. Для работы специалисту требуется только рабочий интернет.

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Это улучшит финансовый статус и повысит качество сервиса, гарантируя защиту собственности клиентов. Этот вид дополнительного заработка не требует много времени. Страховой агент работает в любое время, самостоятельно корректируя рабочий график.

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При оформлении ипотеки страхование – обязательное условие. Это открывает перед риэлтором-агентом дополнительные возможности, так как подобная страховка требует ежегодного продления.

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Может ли риэлтор стать страховым агентом

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Риэлторы рассматривают различные способы дополнительного заработка, включая страхование. Знание и понимание работы полезно при продаже недвижимости. В качестве страхового агента риэлтор предлагает дополнительный сервис, например, подбор выгодных тарифов или оформление страховки не только на жилье, но и автомобиль. Это выгодно риэлтору и клиенту.

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Предоставление дополнительных услуг повысит степень удовлетворенности покупателей и приведет к повторным продажам. Такого специалиста порекомендуют друзьям или близким, что позволит увеличить число потенциальных клиентов. При этом агенту не придется беспокоиться о том, что покупатель откажется от страховки, так как это дополнительный, а не базовый заработок.

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Работа в таком режиме не потребует дополнительных вложений или выполнения плана. Все будет зависеть только от активности и желания самого агента.

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Партнерская программа: что это такое

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Партнерская программа – это соглашение между агентом и страховой компанией, предоставляющей возможность заработка на партнерских продажах.

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Как риэлтору заработать на «партнерке»?

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Необходимо заключить партнерский договор (зарегистрироваться в системе). Затем специалист по недвижимости самостоятельно продает полисы, заполняя документы и ведя учет клиентов. Вначале работы по партнерской программе, он получает доступ к личному кабинету для оформления полисов.

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Партнерские программы по страхованию популярны в силу востребованности. В ряде случаев они необходимы для получения кредита или оформления ипотеки. Застраховать можно не только движимое или недвижимое имущество, но и здоровье, жизнь, домашних питомцев.

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Это способ дополнительного заработка без больших трат времени и ресурсов на поиски новых клиентов. Для страховщиков программы выгодны тем, что помогают расширить круг потенциальных клиентов и увеличить доверие к компании, поэтому они сотрудничают с риэлторами.

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Как стать агентом ипотечного страхования

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Страхование – обязательное условие при покупке жилья в ипотеку, так как оно обеспечивает защиту кредитора от возможных потерь, связанных с невозвратом кредита. Агенты по ипотечному страхованию предлагают различные виды страхования, помогая им выбрать подходящую опцию.

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Чтобы стать агентом по ипотечному страхованию, достаточно зарегистрироваться в онлайн-сервисе Pampadu.ru и можно сразу же приступать к продажам. Выплаты вознаграждения производятся на карту агента, указанную при регистрации.

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Преимущества партнерской программы Пампаду

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Партнерская программа сервиса позволяет зарабатывать ИП, компаниям, самозанятым и физическим лицам. Вознаграждение, предлагаемое сервисом выше среднерыночного, показателя в этом сегменте. Действует реферальная программа, позволяющая размещать соответствующие ссылки.

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Дополнительные плюсы Пампаду:

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Еще один плюс Пампаду – оперативное оформление договора со страховщиком. Все документы по запросу пришлют в течение нескольких часов.

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Сервис удобен в плане использования. Работает служба поддержки (7 дней в неделю) и есть блок ответов на распространенные вопросы.

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Предложение ипотечного кредитования – одни из самых выгодных банковских офферов, которые можно предлагать по партнерским программам. Читайте подробный обзор о партнерской ипотеке: зачем такие офферы выдает банк, как с ними работать и сколько можно заработать на конкретных предложениях на Пампаду.

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Партнерская программа по ипотеке – что это и зачем нужно

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Партнерская ипотека – это соглашение между банком и партнером, которое предусматривает привлечение клиентов для получения ипотечного кредита в финансовой организации через партнера. Партнером может быть организации, такие как застройщики, риелторские агентства, интернет-площадки. Либо частные лица – вебмастера, блогеры, владельцы сообществ в соцсетях, риэлторы.

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Партнерство предусматривает несколько форм сотрудничества, таких как:

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В рамках партнерской программы по ипотеке банк предоставляет партнеру специальные условия для продвижения своих продуктов на рынке, например, более выгодные ставки, бонусы и премии за привлечение клиентов.

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Для чего банк запускает партнерки

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Запуск партнерских программ для финансовых организаций имеет несколько целей:

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В целом, партнерская программа является действенным инструментом для привлечения новых клиентов и увеличения объемов продаж своих продуктов.

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Кому выгодно работать с партнерками по ипотеке

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Партнером по выдаче ипотеки может стать любое юридическое или физическое лицо, которое имеет отношение к сфере недвижимости и которое готово привлекать клиентов для получения ипотечного кредита в банке-партнере. К примеру, партнерами могут быть:

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Если вы вебмастер, блогер, владелец сообщества в социальной сети, канала на YouTube, в Telegram, вы тоже можете попробовать продвигать партнерскую ссылку на оформление ипотеки для своей аудитории. Здесь важна вовлеченность аудитории: например, если ваш канал или сообщество связаны с недвижимостью, или аудитория – молодые семьи, которым требуются жилье, либо инвесторы в недвижимость, сдающие жилье в аренду.

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Как стать партнером ипотечной программы через Пампаду

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Для того чтобы стать партнером по ипотечному кредитованию в сервисе партнерских продаж Pampadu, необходимо зарегистрироваться в личном кабинете agents.pampadu.ru

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\"личный
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Вам сразу будут доступны офферы всех банков в разделе Финансовые продукты – Ипотека. Там можно прочитать условия по каждому офферу и с суммой вознаграждения за целевое действие.

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\"офферы
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Кнопка «Оформить» запускает оформление ипотеки на странице банка. После одобрения вам зачислится вознаграждение в личном кабинете Пампаду, которое можно вывести на карту или счет.

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Личный кабинет агента на Pampadu.ru

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Сервис партнерских продаж Pampadu.ru предоставляет инструменты для работы. В меню слева вы можете выбрать офферы финансовых продуктов и отсортировать их по видам, банкам, городам, платежным системам, другим условиям.

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Сервис предоставляет подробные отчеты по заключенным сделкам – это помогает отслеживать собственный KPI, результативность рекламных кампаний по конкретным продуктам, будущие поступления на счет.

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Вебмастеру Пампаду предоставляет инструмент оформления виджетов, которые можно вставить на сайт. Конструктор помогает создать виджет или лендинг без навыков дизайна и сторонних программ.

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В разделе «Помощь» пользователя ждут подробные статьи, которые будут полезны как новичку, так и опытному пользователю партнерских сайтов.

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Обзор ипотечных офферов на Пампаду

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Ипотека – новый раздел финансовых продуктов на сайте. Пока что доступно 3 банка, в будущем их станет больше. Какие партнерские программы банков по ипотеке доступны на Пампаду:

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1. Банк Открытие, сумма вознаграждения 16000 рублей:

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2. Альфа-Банк, выплата по ПП – 3670 рублей:

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3. Газпромбанк, вознаграждение за целевое действие 2200 рублей:

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Ипотечное кредитование – востребованный продукт, поэтому количество офферов будет только расширяться.

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Сколько можно заработать на ипотечной ПП

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Сумма вознаграждения зависит от банка, который предлагает оффер. Если новая финансовая организация входит на ипотечный рынок, она будет предлагать выгодный оффер, чтобы увеличить число заявок. Например, «Открытие» дает 16 тысяч за оформленную ипотеку любой категории. Много прибыли можно получить, если вы совмещаете продвижение услуг по партнерке и работу с недвижимостью.

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Риэлтерские агентства, частные риэлторы, агентства по подбору недвижимости могут распространять партнерскую ссылку на ипотечный кредит среди своих клиентов, которые заинтересованы в данной услуге. Это будет выгодно не только партнеру, но и клиентам, так как условия по ипотеке могут быть выгоднее, чем при визите в банк.

\n', 'Партнерская ипотека', 'Предложение ипотечного кредитования – одни из самых выгодных банковских офферов, которые можно предлагать по партнерским программам. Читайте подробный обзор о партнерской ипотеке.', 'publish', 'open', 'open', '', 'partnerskaya-ipoteka', '', '', '2023-05-05 12:44:07', '2023-05-05 12:44:07', '', 0, 'https://pampadu.ru/blog/?p=2494', 0, 'post', '', 0), (2495, 1, '2023-05-05 12:43:38', '2023-05-05 12:43:38', '', '1030х502-5', '', 'inherit', 'open', 'closed', '', '1030h502-5-11', '', '', '2023-05-05 12:43:38', '2023-05-05 12:43:38', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-5.jpg', 0, 'attachment', 'image/jpeg', 0), (2497, 1, '2023-05-05 12:46:26', '2023-05-05 12:46:26', '', '1683290766084', '', 'inherit', 'open', 'closed', '', '1683290766084', '', '', '2023-05-05 12:46:26', '2023-05-05 12:46:26', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683290766084.jpg', 0, 'attachment', 'image/jpeg', 0), (2499, 1, '2023-05-05 12:48:36', '2023-05-05 12:48:36', '', '1683290899449', '', 'inherit', 'open', 'closed', '', '1683290899449', '', '', '2023-05-05 12:48:36', '2023-05-05 12:48:36', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683290899449.jpg', 0, 'attachment', 'image/jpeg', 0), (2500, 1, '2023-05-05 12:49:18', '2023-05-05 12:49:18', '', '1683290939569', '', 'inherit', 'open', 'closed', '', '1683290939569', '', '', '2023-05-05 12:49:18', '2023-05-05 12:49:18', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683290939569.jpg', 0, 'attachment', 'image/jpeg', 0), (2502, 1, '2023-05-05 12:53:28', '2023-05-05 12:53:28', '', '1683291198527', '', 'inherit', 'open', 'closed', '', '1683291198527', '', '', '2023-05-05 12:53:28', '2023-05-05 12:53:28', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683291198527.jpg', 0, 'attachment', 'image/jpeg', 0), (2504, 13, '2023-05-09 11:55:00', '2023-05-09 11:55:00', '\n

Пусть в вашем доме всегда будет уют и тепло,
В жизни — благополучие и счастье,
а на душе — спокойствие и уверенность в завтрашнем дне!

\n\n\n\n

С чувством глубокой признательности мы вспоминаем всех тех, кто жизнь отдал и чтим их память.
Здоровья тем ветеранам, которые еще вместе с нами.

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С уважением,
Команда Пампаду.

\n', 'Команда Пампаду поздравляет вас с днём Великой Победы!', 'Поздравляем с Днем Победы!', 'publish', 'open', 'open', '', 'komanda-pampadu-pozdravlyaet-vas-s-dnyom-velikoj-pobedy', '', '', '2023-05-09 11:55:00', '2023-05-09 11:55:00', '', 0, 'https://pampadu.ru/blog/?p=2504', 0, 'post', '', 0), (2505, 1, '2023-05-05 12:55:28', '2023-05-05 12:55:28', '', '1683291313414', '', 'inherit', 'open', 'closed', '', '1683291313414', '', '', '2023-05-05 12:55:28', '2023-05-05 12:55:28', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683291313414.jpg', 0, 'attachment', 'image/jpeg', 0), (2506, 1, '2023-05-05 12:56:16', '2023-05-05 12:56:16', '', '1683291356383', '', 'inherit', 'open', 'closed', '', '1683291356383', '', '', '2023-05-05 12:56:16', '2023-05-05 12:56:16', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683291356383.jpg', 0, 'attachment', 'image/jpeg', 0), (2507, 1, '2023-05-05 12:57:09', '2023-05-05 12:57:09', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-10', '', '', '2023-05-05 12:57:09', '2023-05-05 12:57:09', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-1-1.png', 0, 'attachment', 'image/png', 0), (2510, 15, '2023-05-05 13:24:36', '2023-05-05 13:24:36', '\n

Партнерская программа МТС банка – это возможность получать основной или дополнительный доход, привлекая новых перспективных клиентов. Суть проекта заключается в рекламе услуг и продуктов финансовой организации, в результате которой банк получает новых активных клиентов, а его партнер – вознаграждение от 2 до 8 тысяч рублей.

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Офферы партнерки

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МТС банк является коммерческой финансовой структурой. Он получил лицензию еще в 1993 году. Спустя 30 лет он вошел в число ведущих банковских учреждений страны, работающих как с частными, так и юридическими лицами.

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Сегодня его клиентская база превысила 3 млн участников. Ежемесячно в интернете размещается более полумиллиона запросов «МТС банк». При этом финансовая организация предлагает ряд партнерских программ, которые позволят заработать на его офферах. Последние делятся на 4 группы:

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Также допускается классификация по типу клиентов. Для частных лиц предлагаются партнерки, связанные с регистрацией счетов (расчетного и валютного), для предприятий – открытие счетов и кредитных линий.

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Условия программы

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Партнеры заключают агентский договор, в котором прописываются все условия сотрудничества.

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В качестве партнеров выступают:

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В задачу агента входит продвижение банковских продуктов любым способом (сарафанное радио, размещение ссылок и предложение, консультирование клиентов).

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Вознаграждение за каждого клиента выплачивается при условии выполнения всех пунктов агентского договора. При этом лимита на число привлеченных компаний и частных лиц нет.

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Специально для своих партнеров организация разработала два вида мотиваций. Первая (стандартная) подразумевает стандартную выплату при нахождении в месяц менее 30 новых активных клиентов. Вторая используется при высоком уровне привлечения. Сумма бонусов при этом также выше.

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Все условия, в том числе, объем вознаграждения и тип мотивации прописываются заранее в договоре.

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Перспективы заработка

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Перед подписанием партнерского соглашения (агентского договора) стоит заранее проконсультироваться с работающими агентами или ознакомиться с отзывами. Из них можно узнать не только о «подводных камнях» и других нюансах работы с МТС банком, но и понять границы потенциальных доходов.

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\"Суть
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На сайте указано, что за каждый открытый и используемый расчетный или валютный счет партнер получает 8 тысяч и 10 тысяч рублей соответственно.

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С кредитными продуктами все иначе. Здесь можно рассчитывать на комиссионные в размере 0,25-0,5% от объема кредита.

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Преимущества и недостатки партнерской системы

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В число преимуществ партнерской программы МТС банка входит репутация финансового учреждения, которое входит в ТОП 30, наличие личного менеджера, прикрепленного к каждому новому партнеру и отсутствие лимита на сумму вознаграждения.

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К тому же в качестве партнеров рассматриваются частные, лица, компании, ИП и самозанятых.

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На практике, получаемое вознаграждение, соответствует среднему значению по рынку. Поэтому такие проекты чаще рассматриваются как источники дополнительного, а не базового дохода.

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Особенности подключения к партнерке

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Напрямую к партнерке МТС банка можно подключиться на официальном сайте финансово-кредитного учреждения. Для этого необходимо заполнить анкету, обсудить с персональным менеджером все вопросы и заключить агентский договор.

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Но есть способ проще. Онлайн-сервис Пампаду позволит оперативно подключиться к партнерке не только МТС, но и других финансово-кредитных учреждений, входящих в ТОП 30.

\n\n\n\n
\"\"
\n', 'Партнерская программа МТС банка', 'Суть партнерки от МТС банка: офферы, условия, преимущества и недостатки. Как стать партнером компании, и каковы перспективы работы', 'publish', 'open', 'open', '', 'partnerskaya-programma-mts-banka', '', '', '2023-05-05 13:24:36', '2023-05-05 13:24:36', '', 0, 'https://pampadu.ru/blog/?p=2510', 0, 'post', '', 0), (2511, 1, '2023-05-05 13:16:56', '2023-05-05 13:16:56', '', '1030х502-1', '', 'inherit', 'open', 'closed', '', '1030h502-1-11', '', '', '2023-05-05 13:16:56', '2023-05-05 13:16:56', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-1-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2512, 1, '2023-05-05 13:20:02', '2023-05-05 13:20:02', '', '1683292786057', '', 'inherit', 'open', 'closed', '', '1683292786057', '', '', '2023-05-05 13:20:02', '2023-05-05 13:20:02', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683292786057.jpg', 0, 'attachment', 'image/jpeg', 0), (2513, 1, '2023-05-05 13:23:00', '2023-05-05 13:23:00', '', '1683292966179', '', 'inherit', 'open', 'closed', '', '1683292966179', '', '', '2023-05-05 13:23:00', '2023-05-05 13:23:00', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683292966179.jpg', 0, 'attachment', 'image/jpeg', 0), (2515, 15, '2023-05-10 11:03:53', '2023-05-10 11:03:53', '\n

Благодаря возможностям интернета, сейчас зарабатывать онлайн может каждый. Выбрав заинтересовавшее банковское предложение, вы сможете получить источник реального дохода. Партнерская программа УБРиР предполагает сотрудничество в сфере распространения, рекламы и продажи своих офферов.

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Офферы партнерской программы УБРиР

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В данном контексте под оффером понимается условие, которое заключается в выполнении клиентом определенного действия или приобретения банковского продукта. За его выполнение банковское учреждение готово заплатить своему партнеру установленную сумму – комиссионную выплату.

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УБРиР предлагает офферы по таким направлениям:

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\"\"
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\"\"
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\"\"
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\"\"
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\"\"
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Этот список не исчерпывающий, банк готов предложить другие услуги, а также регулярно проводит акции для новых и действующих клиентов.

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Партнерская программа УБРиР – какие условия?

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Партнерка УБРиР доступна как для юридических, так и для физических лиц, а также ИП и самозанятых. В условиях договора указаны обязанности обеих стороны. Так, партнер должен содействовать продвижению банковских офферов, а банк – выплачивать ему вознаграждение за совершение клиентами целевого действия. Подробные требования вы узнаете, став партнером УБРиР.

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Сколько зарабатывают на партнерке УБРиР?

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На официальном сайте банка ubrr.ru не приводятся условия и размеры начисляемого вознаграждения, узнать такую информацию можно, только зарегистрировавшись в качестве партнера. Личный менеджер сам свяжется с вами, чтобы обсудить детали дальнейшего сотрудничества.

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На сайте Пампаду, в личном кабинете, у каждого оффера УБРиР вы можете увидеть свое комиссионное вознаграждение, а также у других банков.

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Партнерка УБРиР: плюсы и минусы

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УБРиР был основан в 1990 году и принадлежит к лидерам банковской отрасли в РФ. За эти годы он получил высокую оценку от своих клиентов и заработал репутацию надежной финансовой организации. Чтобы поддерживать доверие клиентов, банк постоянно совершенствует свои продукты.

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Преимущества партнерской программы от банка УБРиР:

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Поскольку партнерка УБРиР базируется на двухстороннем сотрудничестве, минусов от такого взаимодействия практически не может быть. К недостаткам можно отнести:

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Как присоединиться к партнерке УБРиР

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Вы можете зарегистрироваться в качестве партнера на официальном сайте банка, но гораздо удобнее сделать это с помощью сервиса Пампаду, где можно сотрудничать сразу с несколькими банками! Мы откроем для вас доступ к базе знаний и предоставим полный каталог офферов. Кроме того, вы можете вступить в чат по РКО-офферам и воспользоваться персональной консультацией.

\n\n\n\n
\"\"
\n', 'Партнерская программа Уральского банка реконструкции и развития', 'partnerskaya-programma-ubrir', 'publish', 'open', 'open', '', 'partnerskaya-programma-ubrir', '', '', '2023-05-10 11:03:53', '2023-05-10 11:03:53', '', 0, 'https://pampadu.ru/blog/?p=2515', 0, 'post', '', 0), (2516, 13, '2023-05-10 10:16:34', '2023-05-10 10:16:34', '\n

Мы знаем, что многие агенты ждали акцию по ОСАГО.

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МОМЕНТ НАСТАЛ!

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?В акции участвуют СК: Росгосстрах, МАКС.
В акции не учитываются для расчёта полисы с 0кв.

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? Бонус будет начислен, если продать один полис МАКС и два РГС, или три полиса СК МАКС, все варианты подходят.

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За расчет берутся страховые полисы ОСАГО всех СК за период с 10 по 30 апреля. Бонус выплачивается только за полисы от СК Росгосстрах и МАКС, если вы сделали больше продаж чем в прошлом месяце.

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Например: Агент Иванов Иван Иванович оформил с 10 по 30 апреля 40 полисов ОСАГО по всем СК. С 10 мая по 31 мая, Иван Иванович оформил 55 полисов по всем СК, из них 5 полисов по СК Росгосстрах и МАКС. Он получит 500 рублей бонусом.

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Срок проведения акции: с 10 по 31 мая 2023 года.
Участие принимают все зарегистрированные на платформе Пампаду.ру.
Бонусы будут начислены с 1 по 5 июня 2023 года в личный кабинет.

\n\n\n\n

❣️С любовью к своему делу,
команда Пампаду.ру!

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Новый налоговый статус самозанятых в России упростил законное получение профессионального дохода и уплату налога за него. Это открывает дополнительные возможности для работы, включая профессию риелтора. В данной статье мы рассмотрим, может ли риелтор быть самозанятым, какие преимущества и недостатки этого статуса. Объясним, как получить этот налоговый статус онлайн, без визита в налоговую. Будем анализировать правовые аспекты работы риелтора в качестве самозанятого, а также рассмотрим, какие возможности и перспективы открываются для риелторов при выборе этого статуса.

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Может ли риэлтор быть самозанятым в 2023

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Да, риэлтор может работать в статусе самозанятого в России. Этот статус подразумевает возможность работать на себя, не образуя юридического лица и не заключая трудовые договоры с работодателями. Риэлторы, работающие в статусе самозанятых, должны будут самостоятельно оплачивать налоги и отчитываться перед налоговой службой.

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Статус самозанятого риэлтора позволяет работать на своей работе, а также заниматься дополнительной деятельностью без оформления ИП или ООО. Кроме того, работа в статусе самозанятого более гибкая и экономичная для риэлтора. Однако следует учитывать, что работа в этом статусе требует большей самостоятельности в планировании и учете своих доходов и расходов.

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Важно: самозанятому риелтору нужно заключать не агентский договор, а договор на оказание услуг. Работа по агентскому договору в статусе самозанятого невозможна. На многих ресурсах, в том числе в партнерских программах, работающий на себя называется «агентом». Пусть вас не смущает этот термин – достаточно не заключать агентский договор, чтобы сохранять свой налоговый статус.

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Ограничения для самозанятых риелторов и консультантов

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При ответе на вопрос, может ли риелтор работать самозанятым, стоит обговорить ограничения, установленные законом. Самозанятые риэлторы и консультанты могут столкнуться с некоторыми ограничениями при работе в этом статусе. В частности, следует учитывать следующие моменты:

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Какие услуги можно оказывать и с кем можно работать

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Самозанятый риэлтор по недвижимости может оказывать услуги по сделкам с недвижимостью, которые не требуют наличия специального образования или лицензии. К примеру, можно заниматься:

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Самозанятый риэлтор может работать как с юридическими, так и с физическими лицами. Налог на профессиональный доход со сделок с физическим лицом составляет 4%, с юридическим лицом – 6%. Также он может работать в качестве агента по продаже или аренде недвижимости для других агентств или брокеров, получая за это вознаграждение. Еще возможно одновременно быть партнером банка, предлагая клиентам ипотечное кредитование и страховые продукты.

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Как риелтору стать самозанятым: способы регистрации и сроки

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После выяснения вопроса, можно ли риелтору стать самозанятым, и особенностей его работы в этом статусе, следует выяснить, как гражданину зарегистрироваться в качестве плательщика НПД. Чтобы стать самозанятым, необходимо зарегистрироваться на сайте налоговой службы РФ. Для регистрации необходимо выполнить следующие шаги:

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Сроки регистрации в качестве самозанятого риэлтора зависят от скорости обработки заявления налоговой службой. Регистрация завершается мгновенно, а если нет аккаунта на Госуслугах, потребуется до суток на проверку данных.

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Как можно принимать оплату

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Самозанятый риэлтор может принимать оплату за свои услуги различными способами, в зависимости от предпочтений клиентов.

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Онлайн-касса для работы не требуется. Доход придется самостоятельно учитывать в приложении «Мой налог», там же происходит автоматический расчет налогового бремени. Важно учитывать, что при проведении любых операций с деньгами необходимо соблюдать законодательство РФ и налоговые правила.

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Расчет налога, взносы в ПФР для самозанятых

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Самозанятый риэлтор должен уплачивать налог на полученный доход по ставке 4% в случае, если он работает с физическими лицами, и 6%, если с юридическими. Расчет происходит автоматически по каждой сделке в приложении «Мой налог». Пользоваться им можно, если годовой доход не превышает 2,4 миллиона рублей. Если доход превышает указанный порог, то потребуется смена налогового статуса на ИП.

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Самозанятым гражданам не начисляется трудовой стаж, поэтому им будет положена только социальная пенсия. Обеспечить себе пенсию страховую они могут, только зарегистрировавшись в программе добровольного пенсионного страхования. Зарегистрироваться на участие можно в приложении «Мой налог». Участникам этой программы необходимо каждый год класть денежную сумму, чтобы начать копить сумму пенсионных баллов.

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Самозанятый риэлтор может иметь право на налоговые вычеты, например, на расходы по обучению или затраты на организацию своей деятельности. За регистрацию в этом статусе он уже имеет налоговый вычет в размере 10 тысяч рублей. Обращаться за ним никуда не нужно – он уже действует в приложении. Сначала ваши налоги вычитаются из этой суммы. Когда 10 тысяч закончатся, придется оплачивать налог из своих доходов или подключать автоплатеж.

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Самозанятость для риелтора: плюсы и минусы

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Самозанятость для риэлтора имеет свои плюсы и минусы. Рассмотрим их более подробно.

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Плюсы:

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Минусы:

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Самозанятость выгодна, если риелтор готов самостоятельно управлять деятельностью и заниматься поиском клиентов. Но необходимо учитывать те риски и ограничения, которые сопутствуют этому виду деятельности.

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Дополнительный заработок на Пампаду – страхование ипотеки

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Риэлторы зарабатывают дополнительные средства, предлагая клиентам услуги по страхованию ипотеки на объекты недвижимости. Страхование ипотеки позволяет защитить заемщика от возможных рисков при выплате кредита, таких как потеря работы, болезнь или другие непредвиденные обстоятельства.

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Может ли самозанятый риелтор быть партнером банка по ипотечному кредитованию? Да, но он не имеет права самостоятельно заключать договоры страхования ипотеки от имени страховой компании. Он предоставляет клиентам консультации и помогать оформить страхование через страховую компанию. Если самозанятый риэлтор имеет опыт работы с банками и ипотечными программами, то он может предоставлять консультации своим клиентам по выбору подходящей ипотечной программы и оформлению документов.

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Предложить клиенту оформить страхование ипотеки или ипотечное кредитование можно через участие в партнерской программе, например, через сервис Pampadu.

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Банки представляют свои офферы (предложения): ипотечное страхование или оформление ипотеки. 

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Риэлтор вносит в заявку данные клиента и получает вознаграждение после одобрения  кредита или выдачи страхового полиса клиенту. Деньги агенту платит ПП, а не банк. Этот доход можно учитывать при уплате НПД, чтобы не иметь проблем с налоговой.

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Особенность сервиса Пампаду – это компенсация суммы налога самозанятому гражданину, быстрые выплаты юр.лицам и физ.лицам, а также комиссионное вознаграждение до 60% за оформление ипотечного полиса.

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Предоставление услуг по страхованию ипотеки станет дополнительным источником дохода для самозанятого риэлтора, при условии, что он разбирается в данной теме и готов предоставлять консультации.

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Ипотечный брокер – это профессионал, который помогает выбрать ипотечный кредит. Рассказываем о функциях и обязанностях ипотечного брокера, о том, за что ему платят, о возможностях партнерских программ по ипотеке. Статья будет полезна всем, кто интересуется ипотечным кредитованием, хочет разобраться в деталях этого процесса, стать кредитным брокером по ипотеке и зарабатывать на ипотечных партнерских программах.

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Что делает ипотечный брокер

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Ипотечные брокеры – сотрудники банка или самозанятые граждане (агенты в ПП), которые помогают выбрать наиболее подходящий для них ипотечный кредит. Они работают с несколькими банками и могут предложить клиентам варианты кредитования. Их обязанности:

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Ипотечный брокер получает вознаграждение за свою работу от банков, партнерских сервисов или от клиентов, в зависимости от условий договоренности.

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На чем зарабатывает брокер по ипотечному кредитованию и сколько стоят услуги ипотечного брокера

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Брокер по ипотеке работает на комиссионной основе и получает процент от суммы выданного кредита. Размер этой комиссии может составлять от 0,5% до 3% от суммы кредита. Стоимость услуг зависит ряда факторов, таких как регион, сложность процесса получения кредита, уровень конкуренции на рынке и договоренности с клиентом. Эти комиссии выплачиваются только если кредит на жилье был выдан.

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Некоторые брокеры предлагают фиксированный тариф за свои услуги, который зависит от количества и сложности услуг. Также брокеры могут взимать плату за оформление документов или за проведение экспертизы недвижимости. Эти услуги могут быть включены в стоимость услуг или оплачиваться отдельно. Стоимость услуг по подбору кредита и сопровождению сделки следует обсуждать заранее и закреплять в договоре, чтобы избежать недоразумений и неожиданных расходов в процессе получения кредита на жилье.

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Каковы перспективы профессии

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Факторы, которые влияют на перспективы этой профессии:

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В целом, профессия ипотечного брокера остается востребованной, так как многие люди нуждаются в помощи при выборе ипотечного кредита. Однако для результативной работы в этой сфере необходимо постоянно совершенствовать знания и навыки, а также следить за изменениями на рынке недвижимости и в законодательстве.

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Преимущества профессии брокера по ипотеке

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Эта профессия имеет несколько преимуществ:

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Профессия брокера по ипотеке может быть привлекательной для людей, заинтересованных в постоянных доходах и гибком графике работы, а также тех, кто хочет помогать другим людям.

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Минусы работы ипотечным брокером

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Профессия все же имеет несколько минусов:

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Для тех, кто готов к постоянному развитию и имеет стойкую мотивацию, эта профессия может быть достаточно привлекательной.

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Как определить мошенников в этой профессии

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Чтобы определить мошенников в этой сфере, нужно обратить внимание, как работают ипотечные брокеры, нет ли в их работе следующих признаков:

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Важно также проверять удостоверения личности ипотечных брокеров, а также просить у них документы, подтверждающие выполнение работ. Если вы не уверены в честности ипотечного брокера, лучше выбрать другого.

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Сервис Пампаду для ипотечного брокера

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Удаленный формат работы брокера по ипотеке – партнерские программы. Для участия в ПП не нужно устраиваться на работу в банк и иметь для этого высшее образование по специальности «Финансы и кредит». Достаточно зарегистрироваться на сайте партнерской программы и начать работу, соблюдая правила офферов.

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Вознаграждение по ипотечным офферам в ПП в PAMPADU.

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Сервис партнерских продаж Пампаду может быть полезен в следующих случаях:

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Сервис PAMPADU также удобен для тех, кто зарабатывает с его помощью. Много обучающих материалов для новичков доступны бесплатно – можно агентом по кредитованию (не только по ипотеке), страхованию, или вебмастером, с нуля. У сайта понятный интерфейс, легко разобраться и начать работу с первого дня после регистрации. Есть постоянная техническая поддержка и консультации менеджеров ПП для всех агентов. Партнерка сотрудничает с банками, которые дают выгодные для агента ипотечные офферы. Сервис не требует плату с агентов. 

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Использование сервиса Пампаду необязателен для ипотечного брокера, но может быть полезным для увеличения дохода.

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Партнерские программы – это способ заработать дополнительные деньги в интернете. Одним из основных инструментов ПП является партнерская ссылка. Это ссылка, которая содержит код, идентифицирующий партнера и связывающий его с конкретным оффером. При переходе по уникальному веб-адресу и последующем целевом действии партнер получает комиссионные. В этой статье мы рассмотрим ТОП-10 способов разместить партнерскую ссылку для максимизации прибыли.

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Эффективные способы размещения партнерских ссылок

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Результативность работы в ПП напрямую зависит от того, где вебмастер размещает партнерские ссылки, выданные ему оффером.

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На своем сайте

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Размещение на своем сайте – один из способов рекламирования выбранного оффера. Для этого вебмастер может использовать различные форматы: баннеры, текстовые адреса или кнопки. Можно использовать сервисы сокращения ссылок, или вставлять их в текст, используя анкоры. Размещение рекламного поста на своем сайте может увеличить доходы вебмастера от ПП – ведь за рекламу не нужно никому платить.

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Гостевые посты на чужих сайтах и в блогах

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Размещение ссылки на чужих блогах и сайтах (гостевые посты) может быть результативным способом продвижения оффера.

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Необходимо найти блоги и сайты, которые имеют живой трафик и соответствуют тематике оффера, который вы рекламируете. Если вы нашли нужный ресурс, необходимо связаться с его владельцем и договориться о размещении рекламы. Это может быть платной услугой, поэтому необходимо выяснить стоимость и условия размещения рекламы.

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При выборе ресурса необходимо учитывать его репутацию и качество контента. Выкладывание рекламы оффера на низкокачественном сайте может снизить вашу репутацию и уменьшить результативность работы в ПП, привести к блокировке вас как партнера. При размещении ссылки на чужих блогах и сайтах необходимо следить за ее работоспособностью и регулярно проверять, что она ведет на страницу оффера.

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На форуме

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Необходимо найти форумы, которые соответствуют тематике оффера, которые вы продвигаете, и имеют активную аудиторию. Размещение рекламы должно быть естественным и соответствовать контексту обсуждения на форуме.

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Чтобы увеличить число переходов, выбирайте темы, которые вызывают большой интерес у пользователей и связаны с продуктом или услугой, которую вы собираетесь советовать. Необходимо следить за активностью темы и не размещать рекламные посты в устаревшие или неактуальные темы.

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В социальных сетях

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Соцсети – места, где можно размещать партнерские ссылки бесплатно. Для этого необходимо создать страницу в социальной сети, выбрать оффер и разместить на странице партнерскую ссылку, прикрепив ее к завлекающему рекламному посту. Для выкладывания рекламы можно использовать сообщества и паблики, комментарии, фотографии.

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Используйте инструменты социальных сетей, такие как опросы, конкурсы или встроенные рекламные объявления, для увеличения охвата. Необходимо следить за правилами социальных сетей и не злоупотреблять размещением рекламы, чтобы не навредить своей репутации или не получить блокировку страницы.

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В Яндекс Кью и Ответы Mail.ru

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Это сервисы вопросов от пользователей и ответов на них. Для продвижения необходимо создать аккаунт, выбрать оффер и разместить на странице ссылку в виде ответа на вопросы пользователей. Можно использовать инструменты для придания своему совету естественности – сторителлинг, уникализация ответов, рейтинги, сокращение ссылок.

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Используем YouTube

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Видео на YouTube, полноценные и YouTube Shorts привлекают большое число трафика ежедневно. А собственные способы продвижения этой платформы позволяют легко набирать просмотры. Короткий рассказ в видеоформате о продукте или услуге, обещание выгоды для зрителя и ваша ссылка в описании – вот все, что достаточно для обеспечения большого числа переходов и целевых действий. Другие видеосервисы работают по похожему принципу, но видеосервис YouTube ценят за то, что он сам продвигает выложенные пользователями видео.

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E-mail рассылка по своей базе подписчиков

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E-mail рассылки вовсе не устарели – это по-прежнему эффективный способ продвижения, если у вас есть база подписчиков. Чтобы создать рассылку, необходимо сформировать список подписчиков, выбрать оффер и разместить в письме партнерскую ссылку в виде баннера, анкора или кнопки.

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Используйте свою репутацию. Лид видит адрес отправителя, и письмо от любимого блогера или с сайта, на который он часто заходит, человек откроет с большей вероятностью, чем письмо с неизвестного адреса. Используйте инструменты e-mail маркетинга, такие как персонализация писем, сегментация аудитории для увеличения результативности рассылки.

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Личные связи

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Личные контакты – это родственники, друзья, друзья друзей, знакомые, коллеги. Это все потенциальные лиды первой очереди, если выбранный вами оффер предлагает полезный продукт, за который не будет стыдно перед родными. Например – дебетовая карта с выплатой от банка на счет после первой покупки.

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Люди в интернете могут не верить в щедрость компаний и не перейдут на страницу из рекламного поста, даже если там обещают деньги на карту за ее регистрацию. А для своей семьи вы можете заработать по несколько тысяч рублей каждому, если всем оформите по такой карте.

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Групповые чаты в мессенджерах

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Групповые чаты в мессенджерах Телеграмм, Ватсап и других, интегрированный мессенджер в соцсети ВКонтакте – это источник трафика для ПП. Там сидят живые люди, со своими потребностями, которые способны что-то покупать, пробовать новое. В чате с большим числом человек ваше рекламное сообщение увидят сразу много людей. В некоторых чатах нет модерации, или модераторы плохо работают – поэтому риск получить блокировку не так высок. Но не злоупотребляйте спамом как по чатам, так и по личным сообщениям. 

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Доски объявлений

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Доски объявлений в интернете – это место, где интересы людей относительно товаров и услуг пересекаются. Пользуйтесь этим, когда выбираете, где можно разместить партнерскую ссылку. HR-офферы там работают напрямую – просто размещайте объявление о приеме на работу, собирайте заявки и отправляйте ссылку на заполнение анкеты соискателю. Желающие купить недвижимость – ваши потенциальные лиды на ипотечные офферы. Результативных связок на досках объявлений много.

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Как разместить партнерскую ссылку: пошаговая инструкция

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Вот пошаговая инструкция по размещению партнерской ссылки:

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Используйте эту инструкцию и предложенные способы, а также выберите оффер, который будет привлекательным для вашей аудитории, чтобы достичь наибольшей результативности работы в ПП.

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Партнерские программы – это способ заработка в Интернете, когда вы продвигаете продукты или услуги других компаний и получаете комиссионные с продаж. Рассказываем, как выбрать партнерскую программу в соответствии с вашими интересами и навыками.

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На что обратить внимание при выборе ПП

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Выбор партнерской программы – важный шаг в вашей карьере в интернет-маркетинге. Убедитесь, что вы выбираете ПП, которая соответствует вашим интересам и навыкам.

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Принцип работы ПП

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Принцип работы партнерских программ заключается в том, что вы продвигаете продукты или услуги компаний-партнеров и получаете комиссионные с продаж. Партнерство осуществляется через партнерские ссылки или коды, которые отслеживают продажи, сделанные вашими клиентами.

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Процесс работы ПП выглядит так:

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Важно помнить, что успешная работа в ПП зависит от того, насколько результативно вы будете продвигать продукты или услуги компании-партнера. Чтобы увеличить свой доход, старайтесь использовать различные маркетинговые методы и инструменты, такие как контекстная реклама, социальные сети, электронная почта.

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Виды партнерских программ

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Перед тем, как выбрать партнерку, изучите их виды:

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  1. Cost-per-Sale – партнер получает комиссию только в случае, если лид покупает через вашу уникальную партнерскую ссылку.
  2. Cost-per-Click – оплата за каждый клик на его ссылку.
  3. Cost-per-Acquisition – оплата за каждого лида, который зарегистрировался или купил продукт через его ссылку.
  4. Cost-per-Impression – вознаграждение за каждое показанное объявление или рекламу, даже если лид не переходит по ссылке.
  5. Pay-per-Lead – деньги выплачиваются за каждый лид, то есть за контактные данные клиента, который проявил интерес к продукту или услуге.
  6. Реферальная ПП – комиссия за привлечение новых партнеров в программу.
  7. Cost-per-Install – оплата проходит за каждую установку приложения на устройство.
  8. Cost-per-Subscription – партнер получает выплату за каждую подписку на продукт или услугу.
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Выбор видов ПП зависит от вашей целевой аудитории, продукта или услуги, которые вы продвигаете, вашей стратегии маркетинга.

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Требования партнерской программы

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Большинство партнерских программ имеют следующие требования:

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Важно ознакомиться с требованиями партнерской программы перед ее регистрацией и началом продвижения продуктов или услуг. Это поможет избежать возможных нарушений, чтобы с гарантией получить прибыль от участия в ПП.

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Разнообразие офферов и вертикалей

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Офферы могут быть различными по вертикалям. Вертикаль – это категория товаров и услуг, которые участвуют в ПП. Рассмотрим некоторые вертикали и примеры офферов:

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Обилие офферов в ПП позволяет выбирать подходящие предложения для вашей аудитории и получать большую прибыль от участия в программе. Чем больше офферов – тем ниже порог вхождения в партнерку, тем больше возможностей адаптировать источники трафика под оффер.

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Техподдержка

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Техподдержка в партнерских программах нужна, чтобы партнеры могли решать возникающие проблемы, получать помощь. Если вы думаете, какую партнерскую программу выбрать, обратите внимание на особенности работы техподдержки:

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Чем внимательнее техподдержка, тем больше вероятность того, что партнеры будут результативно продвигать продукты компании-партнера и генерировать продажи.

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Отзывы

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Отзывы на партнерские программы – важный компонент для привлечения новых партнеров и удержания текущих. Если партнерский сайт реагирует на отзывы, проводит улучшение функционала сайта или приложения, разрешает спорные ситуации, отслеживает и наказывает авторов недобросовестных офферов, то данную ПП можно рассмотреть для заработка.

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Как заработать первые деньги на ПП

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Чтобы заработать первые деньги на ПП, необходимо соблюдать ее условия и выбрать оффер. Вот несколько советов по заработку на ПП для начинающих:

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Заработок на партнерских программах может быть прибыльным, но требует времени и усилий. Лучшие офферы для партнерского заработка – финансовые (банковские). Их потребители – широкая аудитория. Для других вертикалей (товары, здоровье, туризм и т.д.) потребуется более тщательная выборка аудитории, а значит, ее уменьшение. Сеть партнерских продаж PAMPADU предлагает заработать на самых несложных офферах: банковских продуктах, страховании. Это можно сделать как специалисту (риелтору, банковскому или страховому агенту), так и вебмастеру – человеку, который умеет только создавать сайты и настраивать рекламу.

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Партнерские программы по финансам (банковские продукты)

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Партнерские программы банков – это маркетинговая стратегия, которая позволяет банкам привлекать новых клиентов, удерживать текущих путем сотрудничества с партнерами. Данные ПП предлагают продукты, связанные с финансовой сферой.

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Примеры офферов по финансам:

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ПП по финансам могут принести много комиссионных, если правильно продвигать продукты и услуги. Часто они выгоднее, чем выбор той же самой услуги при визите в банк.

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Заказ дебетовой карты в банке – бесплатно, но с платным обслуживанием. А заказ дебетовой карты по партнерской ссылке – бесплатно, с пожизненным бесплатным обслуживанием, с начислением небольшой суммы на счет при активации карты. Либо сниженный процент по ипотеке, долгий льготный период по потребительскому кредиту, микрозайму, экспресс-кредиту и т.д. Поэтому финансовые продукты легко продвигать и находить клиентов на них.

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Какую партнерку выбрать вебмастеру

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Некоторые ПП и офферы легче использовать людям, работа которых связана с тематикой оффера. Например, страховой агент с клиентской базой заработает на страховании, риелтор – на ипотечных программах, блогер с большой аудиторией – на оффере, выбранном с учетом интересов своей аудитории. Но что делать новичку, который только пришел в эту сферу? Ему можно стать вебмастером.

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Вебмастер создает сайты – полноценные или одностраничные (лендинги). Создать лендинг легко с помощью конструктора, полноценный сайт из нескольких страниц – чуть сложнее. Также вебмастер может продвигать чужой сайт, оптимизировать его.

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Вебмастера могут зарабатывать на ПП несколькими способами:

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Вебмастеру, для облегчения продвижения созданного сайта, желательно найти ПП, для которой клиентами будет максимально большая аудитория. Сюда как раз подходят финансовые продукты: дебетовые карты с выгодными условиями, кредиты и микрозаймы – они требуются большому количеству людей. Остается только выбрать банковский оффер, условия которого разрешают рекламу на сайтах и лендингах.

\n', 'Как выбрать партнерскую программу', 'Статья представляет собой практическое руководство для тех, кто ищет, как выбрать партнерскую программу для монетизации своего бизнеса. Здесь рассматриваются основные критерии выбора ПП. Статья будет полезна предпринимателям, владельцам онлайн-бизнеса, и всем, кто хочет увеличить доходы за счет ПП.\n', 'publish', 'open', 'open', '', 'kak-vybrat-partnerskuyu-programmu', '', '', '2023-05-10 17:17:38', '2023-05-10 17:17:38', '', 0, 'https://pampadu.ru/blog/?p=2553', 0, 'post', '', 0), (2554, 1, '2023-05-10 17:13:36', '2023-05-10 17:13:36', '', '1030х502-3', '', 'inherit', 'open', 'closed', '', '1030h502-3-5', '', '', '2023-05-10 17:13:36', '2023-05-10 17:13:36', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-3-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2555, 1, '2023-05-10 17:14:35', '2023-05-10 17:14:35', '', 'image', '', 'inherit', 'open', 'closed', '', 'image-6', '', '', '2023-05-10 17:14:35', '2023-05-10 17:14:35', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/image.png', 0, 'attachment', 'image/png', 0), (2556, 1, '2023-05-10 17:15:17', '2023-05-10 17:15:17', '', 'image-1', '', 'inherit', 'open', 'closed', '', 'image-1-3', '', '', '2023-05-10 17:15:17', '2023-05-10 17:15:17', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/image-1.png', 0, 'attachment', 'image/png', 0), (2557, 1, '2023-05-10 17:16:02', '2023-05-10 17:16:02', '', 'image-2', '', 'inherit', 'open', 'closed', '', 'image-2-2', '', '', '2023-05-10 17:16:02', '2023-05-10 17:16:02', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/image-2.png', 0, 'attachment', 'image/png', 0), (2559, 1, '2023-05-10 17:20:11', '2023-05-10 17:20:11', '', 'image-3', '', 'inherit', 'open', 'closed', '', 'image-3-2', '', '', '2023-05-10 17:20:11', '2023-05-10 17:20:11', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/image-3.png', 0, 'attachment', 'image/png', 0), (2561, 1, '2023-05-10 17:21:23', '2023-05-10 17:21:23', '', 'image-4', '', 'inherit', 'open', 'closed', '', 'image-4-2', '', '', '2023-05-10 17:21:23', '2023-05-10 17:21:23', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/image-4.png', 0, 'attachment', 'image/png', 0), (2563, 15, '2023-05-11 09:46:45', '2023-05-11 09:46:45', '\n

Партнерская программа Росбанк – это модель, по которой владельцы сайтов или блогов могут зарабатывать деньги на продвижении дебетовых, кредитных карт и кредитов Росбанка. Банк выкладывает свой оффер (предложения) на сервис партнерских продаж Пампаду.

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Как подключиться к партнерке Росбанка

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Для участия в ПП Росбанка необходимо создать аккаунт на сайте pampadu.ru, выбрать оффер и получить свой партнерский идентификатор. Оффер находится в разделах: Финансовые продукты – кредитные карты или дебетовые карты.

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\"фин
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Партнерам даются ссылки и рекламные материалы, которые они размещают на выбранных и разрешенных условиями оффера площадках. Любой пользователь Пампаду (агент) может выбрать оффер и предлагать клиентам оформить финансовый продукт по ссылке, которая ведет на страницу оффера, но содержит код агента.

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Условия ПП Росбанка на Пампаду

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Когда пользователь переходит по этой ссылке и оформляет заявку на банковскую карту или кредит, партнер получает выплату. ПП позволяет владельцам сайтов получать доход без необходимости продажи товаров или услуг напрямую. Вместо этого они могут продвигать кредитные продукты, используя свой трафик и аудиторию. Росбанк предоставляет своим партнерам статистику и отчетность, которые помогают им отслеживать результат своих действий и оптимизировать свою стратегию продвижения.

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ПП Росбанка дает выгоду, включая большие комиссионные, различные способы выплаты комиссионных, возможность получать доход постоянно. Однако для участия в ПП необходимо соответствовать определенным требованиям, включая поступление живого трафика, соблюдение правил оффера.

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Офферы ПП Росбанка

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На сайте Pampadu доступны следующие офферы этого банка:

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\"офферы
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Оффер агент выбирает исходя из своих возможностей по привлечению трафика. Премиальная дебетовая карта рассчитана на бизнесменов. В списке ее условий есть бизнес-залы, travel-бонусы и консьерж-сервис. Дебетовая карта МожноВсё рассчитана на самую большую аудиторию. Ее предлагают любому гражданину РФ от 18 лет. Карта с бесплатным обслуживанием и кэшбеком, что увеличивает ее выгоду для клиентов. Кредитные карты выдаются только при наличии положительной кредитной истории. Найти клиентов с положительной кредитной историей, готовых получить карту, сложнее. Поэтому банк дает такие большие комиссионные за выдачу.

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Сколько зарабатывают на партнерке Росбанка

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Количество заработка на ПП Росбанка зависит от тематики сайта или рекламного объявления, креатива, количества посетителей. В итоге, оно зависит от конверсии – от количества людей, которые по вашей ссылке оформляют кредитную карту или кредит. Комиссионные, которые выплачивает Росбанк за успешно оформленную заявку, могут составлять от 1 600 до 5600 рублей. В ПП Росбанка на сервисе Пампаду предусмотрена система бонусов для партнеров, которые достигают результатов.

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При правильной стратегии продвижения и большой аудитории, охваченной рекламной кампанией, зарабатывают от участия в ПП Росбанка по любому из предложенных офферов.

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Плюсы и минусы партнерки Росбанка

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Плюсы ПП Росбанка:

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Минусы партнерской программы Росбанка:

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ПП Росбанка на сервисе Пампаду предлагает владельцам сайтов заработок на продвижении кредитных продуктов. Однако участники программы должны поддерживать качество трафика на сайтах и других платформах, чтобы добиться успеха в этой сфере.

\n', 'Партнерская программа Росбанка', 'Статья рассказывает, что такое партнерская программа Росбанка, на сервисе партнерских продаж Пампаду. Росбанк предоставляет своим партнерам доступ к различным инструментам и рекламным материалам для продвижения программы на своих сайтах. Статья также содержит информацию об условиях офферов, доступных на сайте ПП, и условиях выплаты комиссионных.', 'publish', 'open', 'open', '', 'partnerskaya-programma-rosbanka', '', '', '2023-05-11 09:46:45', '2023-05-11 09:46:45', '', 0, 'https://pampadu.ru/blog/?p=2563', 0, 'post', '', 0), (2564, 1, '2023-05-11 09:39:45', '2023-05-11 09:39:45', '', 'image-5', '', 'inherit', 'open', 'closed', '', 'image-5-2', '', '', '2023-05-11 09:39:45', '2023-05-11 09:39:45', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/image-5.png', 0, 'attachment', 'image/png', 0), (2565, 1, '2023-05-11 09:44:00', '2023-05-11 09:44:00', '', '1683798223854', '', 'inherit', 'open', 'closed', '', '1683798223854', '', '', '2023-05-11 09:44:00', '2023-05-11 09:44:00', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683798223854.jpg', 0, 'attachment', 'image/jpeg', 0), (2566, 1, '2023-05-11 09:45:57', '2023-05-11 09:45:57', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-51', '', '', '2023-05-11 09:45:57', '2023-05-11 09:45:57', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-7.jpg', 0, 'attachment', 'image/jpeg', 0), (2568, 15, '2023-05-11 09:54:47', '2023-05-11 09:54:47', '\n

Реклама риелтора – важная часть его работы, который помогает привлечь больше клиентов и увеличить продажи. В статье рассмотрены методы рекламы услуг риелтора, которые могут быть использованы для повышения продаж.

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Способы продвижения риелторских услуг

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Существует множество способов продвижения риэлторских услуг. Их можно разделить по ресурсам, на которых производится реклама: в интернете, вне интернета, через личные контакты («сарафанное радио»).

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Продвижение в интернете

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Интернет упростил рекламу риелторских услуг, сделал ее более доступной. Также увеличил количество возможных клиентов и географию охвата для рекламодателя. Виды продвижения в интернете, которыми могут пользоваться риелторы:

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Продвижение вне интернета

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Хотя продвижение услуг риелтора в интернете может быть результативным, есть также множество способов продвижения вне интернета. Вот некоторые из них:

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Каждый из этих способов рекламы риелтора по недвижимости может быть результативным, в зависимости от вашей аудитории и рынка недвижимости, на котором вы работаете.

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Сарафанное радио

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Так называется обмен информацией при личном контакте – через знакомых, через бывших клиентов. Качество работы риелтора, а значит, рост числа его довольных клиентов – обеспечивает бесплатное продвижение этим способом. Сюда же можно отнести участие в мероприятиях. Это помогает риелтору установить контакт с будущими клиентами и продвинуть свои услуги. Риэлторы могут участвовать в выставках, конференциях и других мероприятиях.

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Важно выбирать подходящие для своей аудитории способы продвижения и постоянно анализировать работу маркетинговых кампаний.

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Зарабатывайте с платформой Пампаду

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Сервис Pampadu может быть отличным способом заработка для риелторов, вебмастеров и владельцев сайтов. Пампаду – это платформа, которая связывает своих агентов и компании, предлагающие ПП и офферы (предложения). Компании размещают свои офферы на сервисе, а пользователя сайта могут стать партнерами и продвигать эти офферы для заработка комиссионных. На одной платформе собраны офферы банков, страховых компаний и т.д. Не нужно дополнительно проходить регистрацию в ПП каждого банка. Оформление страховых полисов разных компаний происходит в одном кабинете.

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Агенты получают ссылки или баннеры, которые нужно разместить на своих сайтах. Когда пользователь переходит по этой ссылке и совершает действие, партнерка получает комиссионные от компании, а агент получает комиссию от партнерки. Комиссионные могут быть фиксированными (например, 1000 рублей за каждую продажу), либо процентными (например, 5% от продаж). Также могут быть установлены другие условия: минимальная сумма выплаты, периодичность выплат и т.д.

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Сервис партнерских программ PAMPADU предоставляет веб-мастерам инструменты для отслеживания продаж и доходов, а также статистику посещаемости и конверсии. Для компаний ПП могут быть способом привлечения новых клиентов и увеличения продаж. Сервисы Пампаду выгодны для обеих сторон и представляют собой способ дополнительного заработка для веб-мастеров, риелторов и банковских агентов.

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Как риелтору начать зарабатывать с сервисом партнерских программ Пампаду:

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\"личный
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\"оформление
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Важно выбирать офферы, которые соответствуют вашей аудитории и интересам. Не забывайте следовать правилам программы и не использовать запрещенные методы продвижения.

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Базы недвижимости используются риелторами для поиска и работы с объектами недвижимости. Они помогают ускорить процесс поиска, облегчить доступ к базе информации, сократить время на сделки. Они также пригодятся тем, кто работает по ПП и предлагает банковские офферы – ипотечное кредитование, страхование ипотеки, получая за это комиссионные выплаты. Перечисляем базы данных, которыми пользуются риелторы.

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Риелторская база данных

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В России есть 5 популярных баз данных:

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\"WinNER\"
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\"SmartAgent\"
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\"ЦИАН\"
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\"Домклик\"
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\"авито\"
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Пользуются всеми базами данных недвижимости для риелторов, чтобы улучшить результат своей риелтерской деятельности или результативность работы в ПП по предложению страхования ипотеки или ипотечных кредитов.

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Каким должен быть настоящий риелтор

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Базы данных риелтору для результативной работы будет мало. Качества, которыми должен обладать риелтор:

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Эти качества требуются практически везде и не являются высоким порогом вхождения в профессию. Высшее образование или специальность в области экономики или юриспруденции риелтору тоже не требуется, если он работает в статусе самозанятого. Те же самые качества требуются и для работы по ипотечным офферам в ПП.

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Ошибки при работе с базой недвижимости

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При работе с базой данных могут возникнуть ошибки, которые могут привести к негативным последствиям:

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Для избегания этих ошибок необходимо иметь знания о юридических аспектах сделки, а также быть осторожным при работе с БД.

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Как увеличить свой доход от риелторства с сервисом партнерских продаж PAMPADU

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Сервис партнерских продаж PAMPADU может помочь увеличить доход от риелторской деятельности. Помимо работы по сопровождению сделок, риелтор может предлагать клиенту дополнительные услуги по партнерской программе, получая за это комиссионные. Неважно, работаете вы на компанию или на себя в статусе самозанятого.

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Что нужно, чтобы начать зарабатывать с Пампаду:

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С помощью сервиса Pampadu вы увеличите доход от риелторской деятельности, предоставляя дополнительные услуги в виде офферов, получаемых на сервисе ПП.

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Страхование ипотеки для риелторов

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Страхование ипотеки является дополнительной услугой от риэлторов, которые занимаются продажей недвижимости. Страхование ипотечного кредита защитит покупателя от рисков во время внесения ипотечных платежей.

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Риэлторы предлагают клиентам разные виды страхования ипотеки, чтобы помочь им защитить свои интересы и уменьшить риски. Среди офферов в сервисе ПП Пампаду есть предложения от банков по ипотечному страхованию. Важно выбирать надежных страховых партнеров и предоставлять клиентам полную информацию о страховании ипотеки.

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Партнерская программа ипотечного кредитования

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ПП ипотечного кредитования – это способ увеличить доход для риелторов, предлагая покупателям получить ипотечный кредит на покупку жилья. Риелторы работают с банками и кредитными организациями, которые предлагают ипотечные кредиты, и получать комиссионные за каждый оформленный кредитный договор. Работать можно через сервис Пампаду – там представлены выгодные офферы по ипотечному кредитованию, с выгодой до 12 тысяч рублей комиссионных за выданную ипотеку.

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Для участия в ПП ипотечного кредитования риэлтору нужно:

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\"личный
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\"\"
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\"оформить
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Преимущества участия в ПП ипотечного кредитования включают увеличение дохода, расширение клиентской базы, улучшение репутации как профессионала. Для работы с ПП выбирайте надежные офферы, предоставляйте клиентам полную информацию о кредитных условиях и рисках.

\n', 'Базы недвижимости, которыми пользуются риэлторы', 'Статья описывает базы недвижимости, которыми пользуются риелторы для работы с объектами. Также в статье рассказывается о профессии риелтора, типичных ошибках, которых следует избегать при работе.\n', 'publish', 'open', 'open', '', 'bazy-nedvizhimosti-kotorymi-polzuyutsya-riehltory', '', '', '2023-05-11 10:44:55', '2023-05-11 10:44:55', '', 0, 'https://pampadu.ru/blog/?p=2571', 0, 'post', '', 0), (2572, 13, '2023-05-11 11:02:17', '2023-05-11 11:02:17', '\n

Сегодня мы ищем в команду специалиста технической поддержки пользователей на удаленную работу по будним дням: любой город и регион!
График работы с 10:00 до 19:00 МСК в будние дни.
Выходные дни: Суббота, воскресенье и праздничные дни

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?Если вы усидчивы, внимательны и любите помогать людям, опыт работы в СРА сети и знание финансовой вертикали будет плюсом.

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Условия вакансии подходящие?
Тогда отправляйте свое резюме на эл.почту.
Будем рады вам в команде Пампаду!

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Что нужно, чтобы вашу заявку рассмотрели?
Оставить заявку по ссылке ➡️ ЗДЕСЬ.

PS. Поделитесь с коллегами и друзьями, если знаете, что им будет интересна эта вакансия.

\n', 'Вакансия на должность оператора технической поддержки в Pampadu!', 'В команду Пампау ищем оператора технической поддержки, подробнее об условиях в данной статье.', 'publish', 'open', 'open', '', 'vakansiya-na-dolzhnost-operatora-tehnicheskoj-podderzhki-v-pampadu', '', '', '2023-05-11 11:02:17', '2023-05-11 11:02:17', '', 0, 'https://pampadu.ru/blog/?p=2572', 0, 'post', '', 0), (2573, 1, '2023-05-11 10:38:08', '2023-05-11 10:38:08', '', 'авито', '', 'inherit', 'open', 'closed', '', '1683801448042', '', '', '2023-05-11 10:38:08', '2023-05-11 10:38:08', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683801448042.jpg', 0, 'attachment', 'image/jpeg', 0), (2574, 1, '2023-05-11 10:38:41', '2023-05-11 10:38:41', '', 'Домклик', '', 'inherit', 'open', 'closed', '', '1683801415829', '', '', '2023-05-11 10:38:41', '2023-05-11 10:38:41', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683801415829.jpg', 0, 'attachment', 'image/jpeg', 0), (2575, 1, '2023-05-11 10:39:57', '2023-05-11 10:39:57', '', 'ЦИАН', '', 'inherit', 'open', 'closed', '', '1683801379550', '', '', '2023-05-11 10:39:57', '2023-05-11 10:39:57', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683801379550.jpg', 0, 'attachment', 'image/jpeg', 0), (2576, 1, '2023-05-11 10:40:49', '2023-05-11 10:40:49', '', 'SmartAgent', '', 'inherit', 'open', 'closed', '', '1683801341232', '', '', '2023-05-11 10:40:49', '2023-05-11 10:40:49', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683801341232.jpg', 0, 'attachment', 'image/jpeg', 0), (2577, 1, '2023-05-11 10:42:20', '2023-05-11 10:42:20', '', 'WinNER', '', 'inherit', 'open', 'closed', '', '1683801305434', '', '', '2023-05-11 10:42:20', '2023-05-11 10:42:20', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1683801305434.jpg', 0, 'attachment', 'image/jpeg', 0), (2579, 1, '2023-05-11 10:46:08', '2023-05-11 10:46:08', '', 'базы недвижимости риэлторов', '', 'inherit', 'open', 'closed', '', '1030h502-5-12', '', '', '2023-05-11 10:46:08', '2023-05-11 10:46:08', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-5-1.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (2581, 1, '2023-05-11 10:47:15', '2023-05-11 10:47:15', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-15', '', '', '2023-05-11 10:47:15', '2023-05-11 10:47:15', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-2-2.png', 0, 'attachment', 'image/png', 0), (2584, 13, '2023-05-11 13:48:03', '2023-05-11 13:48:03', '\n

Привет коллеги, на Пампаду выходит много улучшений и если вы что-то пропустили рассказываем обо всем по порядку:

1. Провели обучающий вебинар для пользователей Пампаду по продукту КАСКО!

2. Повысили ставки на ВСЕ банковские продукты!

3. Подключили быстрые выплаты для для всех ИП и ООО!

4. Приложение Пампаду в App Store, Google Play и в App Gallery.

5. Рассказали про эксклюзивные условия по ипотеке на Пампаду.

6. Запустили новый инструмент - виджеты и витрины.

?На Пампаду зарабатывают на страховых продуктах, получают рекордное КВ по Ипотеке 60%, оформляют банковские продукты по высоким ставкам и быстро выводят выплаты за целевые действия!

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?С любовью к своему делу, команда Пампаду!

\n', '?Горячие новости на Пампаду!', 'Улучшения Пампаду собранные в одном месте, не пропусти ничего!', 'publish', 'open', 'open', '', 'goryachie-novosti-na-pampadu', '', '', '2023-05-11 13:48:03', '2023-05-11 13:48:03', '', 0, 'https://pampadu.ru/blog/?p=2584', 0, 'post', '', 0), (2585, 1, '2023-05-11 13:46:01', '2023-05-11 13:46:01', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-13', '', '', '2023-05-11 13:46:01', '2023-05-11 13:46:01', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-1-3.jpg', 0, 'attachment', 'image/jpeg', 0), (2587, 13, '2023-05-12 09:23:45', '2023-05-12 09:23:45', '\n

Мы продолжаем дорабатывать и улучшать все продукты.
В этот раз хотим поделиться с вами обновлениями по продукту Ипотечное страхование.

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  1. Скорректировали минимальную дату начала действия полиса. Теперь сразу в нескольких компаниях доступно оформление с сегодняшнего дня: ВСК, ПАРИ, Ренессанс, Альфа. По другим СК +1 день.
  2. Обновили лимиты остатка долга по всем компаниям и банкам. Во многих СК минимальный остаток для страхования 100 тыс., но есть у кого и 900 тыс. руб. Будет меньше ошибок.
  3. Скорректировали точность предрасчета в Энергогаранте для женщин ☺️
  4. Упростили процесс заполнения данных для Альфа-Страхование.
  5. Снизили стоимость полиса в Пари для ВТБ банка по поределенным группам заемщиков.
  6. Исправили ошибку выставления КВ для субагентов по Энергогаранту.
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⚡️На следующей неделе добавим +8 банков среди которых будет так ожидаемый Альфа-Банк.

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? С любовью к своему делу,
Команда Пампаду.

\n', 'Улучшения ипотечного страхования.', 'Мы всегда стараемся улучшить наш сервис, встречайте новые улучшения по ипотечному страхованию на Пампаду.', 'publish', 'open', 'open', '', 'uluchsheniya-ipotechnogo-strahovaniya', '', '', '2023-05-12 09:23:45', '2023-05-12 09:23:45', '', 0, 'https://pampadu.ru/blog/?p=2587', 0, 'post', '', 0), (2588, 1, '2023-05-12 09:23:32', '2023-05-12 09:23:32', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-16', '', '', '2023-05-12 09:23:32', '2023-05-12 09:23:32', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-2-3.png', 0, 'attachment', 'image/png', 0), (2590, 13, '2023-05-12 10:59:40', '2023-05-12 10:59:40', '\n

Уже 19.05.2023 опубликуем результаты розыгрыша и имена победителей акции «Яблочный джем»
в которой была возможность выиграть престижную технику от компании Apple за продажи банковских продуктов!

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Кто не смог принять участие, не расстраивайтесь!
Прямо сейчас у нас проходит действующая акция:
«Оформи полисов ОСАГО больше, чем в прошлом месяце и получи дополнительно 100 рублей за каждый полис по СК: МАКС и РОСГОССТРАХ на Пампаду.ру»

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?Не упустите шанс заработать больше вместе с Пампаду!

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Участвуйте и выигрывайте,
команда Пампаду!

\n', '?Скоро – призы в руках победителей акции «Яблочный джем»', 'Участвуйте и выигрывайте вместе с Пампаду, действующая акция внутри, переходи и знакомься с условиями!', 'publish', 'open', 'open', '', 'skoro-prizy-v-rukah-pobeditelej-aktsii-yablochnyj-dzhem', '', '', '2023-05-12 10:59:40', '2023-05-12 10:59:40', '', 0, 'https://pampadu.ru/blog/?p=2590', 0, 'post', '', 0), (2591, 1, '2023-05-12 09:59:21', '2023-05-12 09:59:21', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-14', '', '', '2023-05-12 09:59:21', '2023-05-12 09:59:21', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-1-4.jpg', 0, 'attachment', 'image/jpeg', 0), (2593, 13, '2023-05-12 13:13:40', '2023-05-12 13:13:40', '\n

Гепард разгоняется до 90 км/ч за 3 секунды, а выплаты от Пампаду поступают мгновенно самозанятым и физ. лицам!

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?Юр.лицам тоже платим быстро - 400 агентов уже подписало оферту через Nopaper и получило доступ к быстрым выплатам.
Более 5,5 млн. руб. было уже выплачено на расчетные счета за короткий срок - от 1 до 7 рабочих дней с момента подтверждения акта в ЛК.
Чтобы присоединиться к их числу, следуйте инструкции, ознакомиться можно ЗДЕСЬ.

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Быстрые выплаты на Пампаду не заставят тебя ждать!

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ПОДРОБНЕЕ О БЫСТРЫХ ВЫПЛАТАХ В ➡️ БЛОГЕ.

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С заботой о вас команда Пампаду!

\n', '?Когда он увидел быстрые выплаты на Пампаду!', 'Мгновенные выплаты самозанятым и физ. лицам, юр.лицам тоже платим быстро!', 'publish', 'open', 'open', '', 'kogda-on-uvidel-bystrye-vyplaty-na-pampadu', '', '', '2023-05-12 13:13:40', '2023-05-12 13:13:40', '', 0, 'https://pampadu.ru/blog/?p=2593', 0, 'post', '', 0), (2594, 1, '2023-05-12 12:17:56', '2023-05-12 12:17:56', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-17', '', '', '2023-05-12 12:17:56', '2023-05-12 12:17:56', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-2-4.png', 0, 'attachment', 'image/png', 0), (2597, 13, '2023-05-15 12:54:02', '2023-05-15 12:54:02', '\n

Коллеги, недавно мы запустили акцию «Оформи полисов ОСАГО больше, чем в прошлом месяце и получи дополнительно 100 рублей за каждый полис по СК: МАКС и РОСГОССТРАХ на Пампаду.ру»

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?Бонус будет начислен, если продать один полис МАКС и два РГС, или три полиса СК МАКС, все варианты подходят.

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За расчет берутся страховые полисы ОСАГО всех СК за период с 10 по 30 апреля.
Бонус выплачивается только за полисы от СК Росгосстрах и МАКС, если вы сделали больше продаж чем в прошлом месяце за указанный период.
В акции не участвуют полисы с 0 КВ.

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?Давайте разберем акцию на 2 примерах.

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1 пример: Агент Иванов Иван Иванович с 10 по 30 апреля оформил 24 полиса ОСАГО по всем СК. А с 10 мая по 31 мая оформил 27 полисов ОСАГО из них 11 полисов по СК: МАКС и Росгосстрах. Агент получит дополнительно 1100 рублей за 11 полисов по этим СК. Причем не важно в каком порядке они были оформлены.

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2 пример: Агент Агент Иванов Иван Иванович с 10 по 30 апреля оформил 30 полисов ОСАГО по всем СК. А с 10 мая по 31 мая оформил 29 полисов ОСАГО из них 10 полисов по СК: МАКС и Росгосстрах. Агент получит 0 рублей, т.к не сделал дополнительный прирост, к прошлому месяцу.

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?Участвуйте в акции и зарабатывайте больше вместе с Пампаду.ру!

\n', 'Запущена акция «Оформи полисов ОСАГО больше, чем в прошлом месяце и получи дополнительно 100 рублей за каждый полис по СК: МАКС и РОСГОССТРАХ на Пампаду.ру»', 'Используйте шанс увеличить свой заработок, переходи и читай условия ', 'publish', 'open', 'open', '', 'zapushhena-aktsiya-oformi-polisov-osago-bolshe-chem-v-proshlom-mesyatse-i-poluchi-dopolnitelno-100-rublej-za-kazhdyj-polis-po-sk-maks-i-rosgosstrah-na-pampadu-ru', '', '', '2023-05-15 12:54:02', '2023-05-15 12:54:02', '', 0, 'https://pampadu.ru/blog/?p=2597', 0, 'post', '', 0), (2598, 1, '2023-05-15 12:48:05', '2023-05-15 12:48:05', '', '1030х502 (3)', '', 'inherit', 'open', 'closed', '', '1030h502-3-6', '', '', '2023-05-15 12:48:05', '2023-05-15 12:48:05', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-3-1.png', 0, 'attachment', 'image/png', 0), (2600, 13, '2023-05-16 11:41:20', '2023-05-16 11:41:20', '\n

Суммарные продажи авто в апреле 2023 года составили 54 270 единиц, что на 21 654 единиц больше прошлогоднего результата.
Это уже второй месяц подряд, когда показатели продаж показывают увеличение продаж.

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\"\"
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\"\"
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\"\"
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✅ В апреле 2023 года россияне чаще всего покупали машины марки Автоваз, а также автомобили китайских производителей.

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Стоит напомнить, что с марта 2022 года многие автопроизводители прекратили поставлять транспорт в Россию, а также остановили производство на местных заводах.

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Спустя год ситуация восстановилась, за счет интенсивной продажи китайских автомобилей, которые теперь стали одними из самых нужных машин на рынке. Им удалось занять главное место на рынке авто и спрос только растет.

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⚡️ Партнеры, хотелось бы отметить, что ситуация на рынке авто с ростом продаж нового транспорта также положительно скажется на продаже автомобильных страховок — ОСАГО, КАСКО.

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У вас есть возможность оформлять страховку через Пампаду в любое удобное время, 24 часа в сутки, включая выходные дни и праздники!
Подробнее.

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?Следите за новостями вместе с Пампаду!

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Реальность ли это?

В Центробанке заявили, что водитель без действующего полиса ОСАГО, который совершает нарушение ПДД под камерами, должен получать сразу 2 штрафа.
Соответствующие поправки в КоАП, которые позволят выписывать два штрафа одновременно, регулятор сейчас обсуждает с МВД и РСА.
Почему сразу 2 штрафа?
Обратимся к статьи 4.4 Кодекса об административных правонарушениях:
При совершении лицом двух и более административных правонарушений административное наказание назначается за каждое совершенное административное правонарушение.

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Поэтому будет выписываться сразу 2 штрафа.

?Обращаем ваше внимание, что в апреле 2023 года заместитель главы Минфина Алексей Моисеев высказал мнение, что штраф за езду без страховки может быть повышен с нынешних 800 рублей до 5 тыс. рублей с градацией для физических и юридических лиц. Это связано с тем, что в текущих реалиях штраф в размере 800 рублей уже кажется слишком несущественным. Поэтому некоторым автомобилисты выбирают уплатить штраф за езду без полиса ОСАГО в размере 800 рублей либо с учетом 50%-ой скидки в размере 400 рублей, чем покупать полис ОСАГО.
По словам главы Российского союза автостраховщиков Евгения Уфимцева, введение автоматических штрафов с камер видеонаблюдения за отсутствующий полис ОСАГО повысит защищенность автолюбителей, а также приведет к снижению стоимости страхования. Также он отметил, что на текущий момент по России передвигается около 10% водителей без полиса ОСАГО. И данный показатель постепенно снижается, а введение автоматически штрафов с камер приведет к значительному сокращению, а вместе с этим подобный функционал поспособствует снижению стоимости страховки для аккуратных водителей.

Партнеры, на данный момент система проверки по камерам без полиса ОСАГО еще не работает, поэтому страховку все проверяют при досмотре документов, на текущий момент, водителю, передвигающемуся на автомобиле без страховки, грозит штраф в размере 800 рублей.
Сейчас прорабатывают технические вопросы информационного взаимодействия РСА и МВД, а также методологию. Среди обсуждаемых тем – целесообразность нормативных изменений, прежде всего в КоАП в части штрафа за отсутствие полиса ОСАГО.

❣️Следите за новостями, команда Пампаду!

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?Делимся цифрами апреля по банковским продуктам на Пампаду:

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— В общей сложности наши пользователи заработали 18,5+ млн. рублей!
— Продано более 3,5 тыс. банковских продуктов.
— Отправлено 12,5 тыс. заявок.
— Максимальный заработок одного пользователя в марте с продаж банковских продуктов составил 364 100 рублей!

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?Коллеги, напоминаем, что мы подняли ставки по всем банковским продуктам, теперь вы можете зарабатывать еще больше!

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Деньги начислены на балансы личного кабинета и доступны для снятия!
Надеемся, что высокие ставки и быстрые выплаты позволят вам увеличить объемы продаж в этом месяце!

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Подписывайтесь на ➡️ канал посвященный банковским продуктам и узнавайте все новости первыми!

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?С любовью к своему делу, команда Пампаду!

\n', 'Цифры апреля по банковским продуктам на Пампаду', 'Рассказываем про результаты апреля банковских продуктов на Пампаду.', 'publish', 'open', 'open', '', 'tsifry-aprelya-po-bankovskim-produktam-na-pampadu', '', '', '2023-05-17 12:09:56', '2023-05-17 12:09:56', '', 0, 'https://pampadu.ru/blog/?p=2637', 0, 'post', '', 0), (2638, 1, '2023-05-17 12:09:43', '2023-05-17 12:09:43', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-20', '', '', '2023-05-17 12:09:43', '2023-05-17 12:09:43', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-2-7.png', 0, 'attachment', 'image/png', 0), (2640, 13, '2023-05-19 05:14:43', '2023-05-19 05:14:43', '\n

Партнерский маркетинг – один из методов продвижения бренда, товара или услуги. Он применяется как в онлайн, так и в офлайн-бизнесе. Его суть заключается в том, что компания не рекламирует свою деятельность напрямую, а запускает партнерскую программу, чтобы целенаправленно продвигать свой бизнес. CPA – это название маркетинговой модели такого взаимодействия.

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Что означает СРА

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Дословно Cost Per Action переводится как «оплата за действие». В отличие от других рекламных методов, оплата производится не за показы (CPM) или клики (CPC), а исключительно за выполнение пользователем конкретного полезного действия, т.е. фактически компания приобретает в его лице нового клиента.

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СРА-сети – что это? Принцип работы рекламной платформы

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CPA-сети – это агрегаторы партнерских программ, которые собирают множество предложений в одном месте. Цель такой биржи свести рекламодателя и вебмастера (или блогера, арбитражника) для сотрудничества.

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Как выбрать СРА-сеть?

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Невозможно назвать универсальную CPA-сеть, которая подойдет каждому маркетологу. Выбор CPA-сети производится на основе таких ориентиров:

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Что понимается под оффером в СРА-сетях?

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СРА-маркетинг строится на партнерских сетях, в которых собираются офферы из разных партнерок. В таком контексте под оффером подразумевается предложение рекламодателя для заинтересованных лиц, которое он размещает на бирже. Оффер должен содержать условия и ограничения, накладываемые рекламодателем на работу вебмастера.

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В нем указываются:

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CPA – что это такое в рекламе? Откуда можно привлекать трафик

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Трафик должен привлекать посетителей на сайт рекламодателя и побуждать их совершить целевое действие.

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Источниками трафика могут быть:

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СРА и мошенники: как защититься от фрода

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Рекламодатель может стать жертвой манипуляций недобросовестных вебмастеров. Они способны привлекать искусственный трафик с помощью ботов, подмены доменов и прочих уловок. Мошенничество может проводиться с cookies, в результате чего рекламодатель может заплатить за одно и то же действие неоднократно. Такие действия называют в арбитраже трафика фродом.

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CPA-сети стараются следить за качеством трафика, но полную гарантию защиты от мошенничества они не обеспечивают. Поэтому рекламодатель должен сам следить за своими компаниями, анализировать трафик и своевременно выявлять негативные факторы с помощью доступных ему инструментов.

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Как рассчитать стоимость действия

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Формула CPA позволяет рассчитать стоимость конверсии:

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CPA = Расходы на рекламу / Число целевых действий

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К примеру, затраты на рекламу составили 30 000 рублей, а целевым действием была выбрана заявка на консультацию. По итогам компании было оставлено 600 заявок, то есть цена целевого действия составила:

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30000 / 600 = 50 рублей

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Инструменты Google Analytics и Яндекс Метрики позволяют автоматически подсчитать среднюю цену целевого действия.

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Какие операции считаются целевыми

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Полезным действием в рамках CPA-модели можно считать любая операция, исходя из специфики бизнеса.

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Например, могут оплачиваться такие сценарии:

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Различия между СРА и CPL

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Если CPA-модель – это метод оплаты за действие, то Cost Per Lead – это плата за лид. CPL – метод оплаты за получение от потенциальных клиентов контактной информации. Это может авторизация в личном кабинете на сайте, получение заявки, заполнение формы обратной связи, опрос или анкета.

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Работа с Пампаду

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Что такое CPA-сети и как пользоваться ими в работе, вы уже знаете. Теперь можно применить знания на практике. Например, воспользоваться агрегатором партнерских программ Pampadu, зарабатывая на продаже онлайн-страховок и банковских продуктов. Став партнером, можно использовать различные инструменты для продвижения: установить на своем сайте виджет, разместить в социальной сети рекламный баннер или указать реферальную ссылку в объявлении. Изучив подробную инструкцию, зарабатывать на этой ЦПА-сети сможет каждый.

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Выводы

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Начав работать с CPA-сетями, можно получить дополнительный источник дохода. При грамотном подходе партнерская сеть станет вашей площадкой для экспериментов и выбора подходящего решения. При этом важно контролировать трафик и следить за ростом прибыли.

\n', 'Что такое CPA и как работают CPA-сети', 'СРА – это возможность платить только за полезное действие. Не сливайте бюджет на рекламу, пока не попробуете, как работают CPA-маркетинг. Рассмотрим офферы, фрод и привлечение трафика в CPA-сетях.', 'publish', 'open', 'open', '', 'cpa-chto-ehto-i-kak-rabotaet', '', '', '2023-05-19 05:14:43', '2023-05-19 05:14:43', '', 0, 'https://pampadu.ru/blog/?p=2640', 0, 'post', '', 0), (2642, 15, '2023-05-18 08:39:03', '2023-05-18 08:39:03', '\n

Рекламная платформа играет роль посредника между бизнесом и партнерами, предоставляя возможность заработать на определенных действиях пользователей. СРА-сети позволяют организовать сотрудничество так, чтобы это было полезно для каждой из сторон. Используя CPA-офферы, рекламодатель платит исключительно за результат.

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СРА-офферы: что это такое?

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В CPA-сети офферы – это партнёрские программы компаний, представленные в виде предложений от рекламодателей.

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При этом партнер получает выплату только за совершение посетителем целевого действия – к примеру, за оформление заказа, скачивание приложения или регистрацию на сервисе.

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Работа с СРА-оффером

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Оффер в маркетинге – это формат взаимодействия между рекламодателем и вебмастером. Арбитражник берет заказ, приводит трафик на сайт и получает фиксированное вознаграждение за выполнение посетителями целевого действия. Свой процент за посредничество получает и CPA-сеть, связавшая заказчика и исполнителя.

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Как выбрать лучший СРА-оффер

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Если вы выбираете офферы для арбитража, то изучите топовые предложения и оцените, подходят ли вам их условия.

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В карточке партнерской программы указываются значимые метрики. Сконцентрируйтесь на следующих:

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Учитывайте, что чем выше показатели у оффера, тем больше конкуренция среди веб-мастеров, подключенных к партнерской программе.

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Где найти офферы

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Выберите агрегатор и зарегистрируйтесь в CPA-сети (например, на платформе Pampadu). Чаще всего от вас потребуется сразу указать источники трафика — площадки, которые вы будете использовать для рекламы. Для этого укажите ссылку на свой сайт, группу или канал в мессенджере. Также можно выбрать рекламную сеть, если вы будете создавать и продвигать свои объявления с ее помощью.

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Из чего состоит оффер

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Правильно оформленный оффер содержит:

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Формат работы

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Выбрав оффер, нужно подать заявку на подключение к партнерской программе, упомянув в ней тип трафика, который вы собираетесь генерировать. Ваша заявка будет рассмотрена в течение нескольких дней. Если придет отказ, ищите другой оффер. Если заявка будет одобрена, вам отправят реферальную ссылку, с которой можно приступить к привлечению трафика.

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Типы офферов

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CPA-сети могут иметь одно или несколько направлений (вертикалей), в зависимости от типа офферов, которые на них представлены. CPA-офферы бывают товарные, финансовые, информационные. В отдельные категории вынесены товары для взрослых, фармакологические препараты, беттинг, онлайн-знакомства, партнерские программы по заказу дипломных работ.

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По доступности оффер может быть открытым, закрытым и эксклюзивным. Открытый – доступен на всех агрегаторах, закрытый – в vip-режиме, эксклюзивный – только на этой бирже.

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Источник трафика

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Если вы хотите зарабатывать на CPA-сетях, важно разобраться с подходящими инструментами и каналами трафика, соответствующими интересам вашей ЦА.

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Источниками для привлечения трафика на сайт рекламодателя могут быть:

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Внимательно изучите описание оффера, чтобы не пропустить требования рекламодателя. Например, он может запретить какой-либо канал продвижения. Если проигнорировать это требование, вас могут попросту исключить из партнерской программы.

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Выбрав вертикали и офферы, вам предстоит проверить различные стратегии и подходы. Проведение A/B-тестирования позволит проанализировать результаты компаний и определить эффективные решения для получения большей прибыли и оптимизации конверсии.

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Процент апрува

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Процент апрува показывает конверсию на этапе перехода от заявок к оплате. Approve – это метрика, которая зависит от количества одобренных CPA-сетью заявок . Показатель апрув отличается в разных нишах: для финансовых офферов он обычно составляет 5-10 %, для товарных – 20-45 %, в инфобизнесе – 30-60 %.

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Среди различных способы привлечения пользователей совершить целевое действие арбитражники могут использовать мотивированный трафик. В этом случае они искусственно стимулируют спрос, обещая им вознаграждение за совершение необходимого действия на сайте или в приложении.

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Мотивированный трафик – что это такое простыми словами?

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Мотивированный трафик ― это привлечение пользователей, согласных выполнить нужное целевое действие, оцениваемое как конверсия, в обмен на деньги или любой другой способ вознаграждения.

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Привлечение мотивированного трафика

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Органический приток лучше монетизируется и гарантирует лояльность пользователей. В этом случает юзер сам находит сайт в поисковой выдаче или скачивает приложение по своим предпочтениям. Но если цель – повысить позиции ресурса или вывести мобильное приложение в топ, то можно использовать отдельные поведенческие факторы. Это может быть число установок, регистрация в игре, посещение сайта в течение установленного времени. В этом случае рекламодатель может закрыть глаза, на привлечение вебмастером мотивированных пользователей.

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Мотивированный трафик обеспечивается не ботами, а реальными людьми, использующими определенные устройства – например, на базе iOS. Такой трафик можно «лить», используя специальные сервисы целевых задач. В этом случае пользователи получают выплату или иной бонус за совершение на сайте рекламодателя полезного действия.

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Возможности мотивного трафика

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Мотивированный трафик иногда допустим для сайтов с короткими задачами, в раскрутке мобильных игр и приложений. Если для продвижения ресурса важно увеличить число посетителей сайта, регистраций, скачиваний файлов, то конверсия может быть получена и таким методом. Главное – изучить карточку оффера и убедиться, что маркетинговая компания будет оплачена рекламодателем.

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С помощью мотивированного трафика можно решить такие задачи:

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Целевым действием может быть не только установка приложения, но и прохождение игры до определенного этапа, поиск по ключевым словам, отзыв после скачивания файла.

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«Теневая сторона» мотивированного трафика

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С точки зрения многих рекламодателей мотивированный трафик неприемлем. Он может быть запрещен на уровне целой CPA-сети, отдельной ее вертикали или конкретного оффера. Речь идет о сферах, в которых важна вовлеченность пользователя, длительность пользования услугой или дальнейшая конверсия в покупку.

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Подбор целевой аудитории при работе с мотивным трафиком

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Если вебмастер приведет на сайт преследующих выгоду посетителей, владелец сайта терпит убытки. Учтите, что примерно 30% аудитории, которую привлек бонус, составляют подростки.

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Но не стоит забывать о том, что большинство пользователей все же составляют лица возрастом 18-35 лет. Если целевым действием является установка мобильного приложения, не исключено, что оно их увлечет и они будут им пользоваться. В то же время большое количество скачиваний поможет вывести приложение для мобильных устройств в топ выдачи.

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Как зарабатывать, используя мотивированный трафик

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Для начала работы с мотивированным трафиком нужно найти оффер, в котором он разрешен. Алгоритм действий может быть таким:

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  1. Находим в партнерской сети оффер – например, связанный с геймингом.
  2. Внимательно изучаем описание оффера, правила площадки. Кроме разрешенных каналов продвижения, обратите внимание также на настройки геолокации и другие параметры, по которым определяется целевая аудитория. Если мотивированный трафик приветствуется, можно подавать заявку на присоединение к программе.
  3. После одобрения заявки, арбитражник может приступать к работе. «Лить» трафик можно, разместив свой оффер на соответствующей платформе. Плата за выполнение пользователем задания должна быть выгодна арбитражнику. Она устанавливается исходя из суммы установленного заказчиком вознаграждения.
  4. Далее вам будут поступать от пользователей отчеты о выполнении целевого действия. В задании вы можете запросить у них предоставление логина или скрин о регистрации в игре.
  5. После проверки информации по статистическим показателях, можно оплачивать заказ.
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Преимущества и недостатки мотивного трафика

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Вебмастерам нужно крайне осторожно использовать этот метод продвижения, особенно, если вы подмешиваете мотивированный трафик в нормальный.

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Плюсы:

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Минусы:

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Почему банки против мотивированного трафика

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Одним из популярных банковских офферов выступает выдача дебетовых карт. Рассмотрим схему с их заказом третьими лицами. Партнерская программа обычно предполагает фиксированную сумму вознаграждения за такое целевое действие – допустим, 2000 рублей. Арбитражник размещает на сайте объявлений предложение оформить дебетовую карту за вознаграждение, которое еще называют рефбек.

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Если обещанная им выплата составляет 500 рублей, то арбитражник получит маржу в размере 75%. Привлекая ежедневно к сотрудничеству двух человек, он заработает 3000 рублей в день.

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Однако на практике такое объявление и аккаунт, с которого оно размещено, могут заблокировать. Банки не заинтересованы в трафике такого качества. Привлеченные вознаграждением клиенты, скорее всего, не станут в будущем пользоваться дебетовой картой и в скором времени закроют. За подобные действия арбитражник может быть отключен от партнерской программы за нарушение правил.

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Какие офферы на Пампаду разрешают мотивированный трафик, а какие нет

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Любому банку нужна живая аудитория с действующими счетами. Поэтому став банковским агентом, необходимо постоянно привлекать не мотивированный трафик, а новых клиентов. Стимулирующий трафик или регистрация за вознаграждение запрещен во всех финансовых офферах на платформе Pampadu, но иногда его можно использовать в сфере подбора персонала. Ознакомиться с подробными условиями оффера можно, зайдя в его описание и открыв вкладку «Типы трафика» – вы узнаете, к каким видам отнесен мотивированный трафик.

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\"типы
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Подведем итоги: где можно использовать мотивный трафик

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Если вы хотите использовать этот способ продвижения честным путем, следует внимательно изучать условия партнерских программ, искать офферы, в описании которых он не запрещен. Получить заработок будет проще, если обратить внимание на игры и другие мобильные приложения, для которых первостепенно быстрое продвижение, попадание в рейтинги и топы.

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В деятельности агента, занимающегося недвижимостью, иногда возникает необходимость обмена опытом. Благодаря интернету, общаться, делиться знаниями, искать помощь, спрашивать совет можно онлайн. Форум риелторов позволит следить за новостями и тенденциями рынка, решить спорные вопросы и вырасти в профессии.

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Зачем риелторам форумы?

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Любые навыки необходимо улучшать, расширяя спектр знаний и методик. Риелтор должен знать, куда обратиться за помощью и где получить нужную информацию. Он заинтересован избежать потери времени и быстро выполнить любую задачу, не упустив возможную прибыль. С этой целью создаются тематические сайты – сервисы общения пользователей по интересам.

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«Болталка» для агентов по недвижимости позволяет общаться в общем чате («ветке» обсуждения) или задавать вопросы посетителям сайта личными сообщениями. Можно затронуть интересующую проблему, создав новую тему для обсуждения, следя за ответами других пользователей.

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Форумы риелторов: виды

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Условно сайты общения агентов можно разделить на виды: для новичков, для профессионалов, образовательные, объединяющие. Чаты дают возможность активно сотрудничать, найти партнеров для сотрудничества.

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Однако некоторые площадки утратили значимость, в 2023 году форум риелторов уже не так популярен. Рейтинг набирают другие форматы – например, каналы Telegram или группы WhatsApp. Такие чаты часто организовывают ресурсы по недвижимости.

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Популярные риелторские форумы

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Портал НЕРС (Национальная Единая Риелторская Сеть) создал собственный клуб, который объединил ряд форумов по недвижимости. После регистрации на конференции NERS.ru, предоставляется доступ ко всей базе материалов, новостям, рейтингам, другой полезной информации.

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Приведем примеры популярных сервисов, позволяющих агентам активно общаться и делиться опытом.

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\"нерс\"
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Площадки для начинающих

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Такой форум поможет начать работать желающим стать агентом. Иногда подобные сервисы предусматривают консультации профессионалов из сферы недвижимости. Примером такой площадки можно считать рубрику «Вопрос риелтору» на Циан.

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Для объединений

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Здесь проводятся обсуждения или голосования, на основе которых принимаются совместные решения и формируется политика деятельности. К таким тематическим сообществам относятся: Гильдия риелторов Москвы (ГРМ), Гильдия риелторов России (ГРР), Ассоциация риелторов Санкт-Петербурга и Ленобласти.

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Образовательные

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На таких сервисах приводятся материалы обучающего характера – например, важные изменения нормативной базы. Здесь обсуждают тренинги, семинары, предстоящие события.

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Уроки риелторской деятельности успешно помогут организовать работу. Изучив обсуждение, можно понять, стоит ли обучаться у определенных коучей или участвовать в конкретных мероприятиях.

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Например, на портале BN.ru (ГК «Бюллетень Недвижимости») есть разделы «Предстоящие мероприятия» и «Риелтор PRO. Обмен опытом».

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Для профи

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На таких площадках предпочитают общаться опытные агенты. Здесь обсуждают вопросы сделок, щекотливые с юридической стороны, иные спорные ситуации. Если вы будете регулярно посещать такой сайт, то найдете много полезного контента.

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Примером подобного сервиса можно считать раздел «Блоги» на Циан, где специалисты делятся работающими кейсами, обсуждают продуктивность конкретных инструментов в работе. Каждый может задать автору вопрос или комментировать его запись, за счет чего происходит коллективное обсуждение.

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Чем полезен сервис Пампаду?

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Платформа партнерских продаж Pampadu – полезный для специалиста инструмент, который поможет увеличить общий доход. Участие в партнерке позволит агенту по недвижимости, параллельно с закрытием главных сделок, предлагать клиентам дополнительные услуги – например, ипотечное страхование. Комиссионные выплаты начисляются с каждого проданного полиса, а операции проводятся в онлайн-формате.

\n\n\n\n
\"партнерка
\n', 'Форумы для риэлторов и агентств недвижимости', 'Форум риелторов – это источник полезных знаний и площадка обмена опытом. Рассмотрены популярные в 2023 годы форумы риелторов, полезные агенту по недвижимости инструменты.', 'publish', 'open', 'open', '', 'forumy-dlya-riehltorov-i-agentstv-nedvizhimosti', '', '', '2023-05-18 09:49:12', '2023-05-18 09:49:12', '', 0, 'https://pampadu.ru/blog/?p=2650', 0, 'post', '', 0), (2651, 1, '2023-05-18 09:41:31', '2023-05-18 09:41:31', '', '1684402868965', '', 'inherit', 'open', 'closed', '', '1684402868965', '', '', '2023-05-18 09:41:31', '2023-05-18 09:41:31', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1684402868965.jpg', 0, 'attachment', 'image/jpeg', 0), (2652, 1, '2023-05-18 09:41:55', '2023-05-18 09:41:55', '', 'нерс', '', 'inherit', 'open', 'closed', '', '1684402794747', '', '', '2023-05-18 09:41:55', '2023-05-18 09:41:55', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1684402794747.jpg', 0, 'attachment', 'image/jpeg', 0), (2653, 1, '2023-05-18 09:45:17', '2023-05-18 09:45:17', '', '1684403088548', '', 'inherit', 'open', 'closed', '', '1684403088548', '', '', '2023-05-18 09:45:17', '2023-05-18 09:45:17', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1684403088548.jpg', 0, 'attachment', 'image/jpeg', 0), (2654, 13, '2023-05-18 09:55:19', '2023-05-18 09:55:19', '\n

Ого, так быстро!
Выплаты на Пампаду не заставят тебя ждать!

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Юр.лица сейчас получают выплату за 1- 4 дня с момента подтверждения акта в личном кабинете.
Уже более 500 агентов подключилось к быстрым выплатам
по этой ➡️ ИНСТРУКЦИИ.
Более 8,5 млн. было выплачено нашим партнерам ИП и ООО по сформированным актам.

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Если у вас есть вопрос по переходу на быстрые выплаты для юр.лиц, задайте его ЗДЕСЬ.
Скоро выложим ответы на частые вопросы.

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Самозанятые и физ.лица продолжают получать выплаты моментально.

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❣️Хороших продаж,
команда Пампаду!

\n', 'Выплаты на Пампаду не заставят тебя ждать!', 'Пользуйтесь моментальным выводом средств на Пампаду.\nЧитать подробнее в данной статье.', 'publish', 'open', 'open', '', 'vyplaty-na-pampadu-ne-zastavyat-tebya-zhdat', '', '', '2023-05-18 09:55:19', '2023-05-18 09:55:19', '', 0, 'https://pampadu.ru/blog/?p=2654', 0, 'post', '', 0), (2655, 1, '2023-05-18 09:47:34', '2023-05-18 09:47:34', '', 'партнерка страхование ипотеки', '', 'inherit', 'open', 'closed', '', '1684403240516', '', '', '2023-05-18 09:47:34', '2023-05-18 09:47:34', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1684403240516.jpg', 0, 'attachment', 'image/jpeg', 0), (2656, 1, '2023-05-18 09:48:35', '2023-05-18 09:48:35', '', '1030х502-3 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-3-1', '', '', '2023-05-18 09:48:35', '2023-05-18 09:48:35', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-3-1-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2658, 1, '2023-05-18 09:54:05', '2023-05-18 09:54:05', '', '1030х502 (3)', '', 'inherit', 'open', 'closed', '', '1030h502-3-7', '', '', '2023-05-18 09:54:05', '2023-05-18 09:54:05', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-3-4.png', 0, 'attachment', 'image/png', 0), (2660, 15, '2023-05-19 03:41:08', '2023-05-19 03:41:08', '\n

Форум арбитражников – это то место, где новичок найдет помощь в решении проблемы, получит полезную информацию от практиков.

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Изучение теоретической части и терминов позволяет при первой же маркетинговой кампании понять, чем арбитраж отличен от того, что написано в статьях. На практике появляются странные настройки, проблемы с модераторами бирж. Реклама не приносит переходов или же люди посещают лендинг, но не оформляют заказ. Это превращается в серьезную преграду.

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Небольшие ошибки провоцируют расход средств впустую. На форуме арбитражников трафика можно рассказать про ситуацию, получить информацию от коллег, которые уже встречались с проблемой.

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Полезны подобные сайты и для опытных арбитражников. Профессионалы обсуждают новости, делятся наблюдениями, публикуют отзывы о сервисах, партнерках, офферах. Это полезные сведения, способные защитить других арбитражников от финансовых потерь.

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Даже имея опыт люди сталкиваются с проблемами: сменой правил бирж, плохими источниками трафика, нечестными рекламодателями. Форум поможет донести информацию до других.

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Еще форум по арбитражу трафика полезен для тех, кто представляет партнерские программы. Обратитесь к целевой аудитории, расскажите про офферы, акционные предложения. На сайтах можно наладить обратную связь с партнерами, получить информацию о проблемах в работе CPA-системы, потребностях web-мастеров и тех, кто занимается арбитражем.

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Популярные форумы

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Платформы делят на русскоязычные и англоязычные. Из русскоязычных платформ стоит обратить внимание на FB-killa. Эту платформу называют местом сбора контента русскоязычного сегмента интернета. Присутствуют англоязычная ветка, разделы, где обсуждают аффилейты, ищут работу, предоставляют услуги.

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Еще в рунете популярна площадка CPA-Club. Это закрытая платформа для тех, кто занимается арбитражем, зарабатывая от 10 тыс. USD ежемесячно. На CPA-Club нет токсичных людей, оскорблений. Это закрытый клуб, где пользователи уважают друг друга, обмениваются опытом, познаниями.

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\"форумы
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К молодым проектам относится Addset. Здесь можно ознакомиться с ревью сервисов, платежек, кейсами, задать вопрос, создать собственный блог. Предусмотрены разные мануалы, руководства от партнерских программ и практиков. Можно опубликовать объявление о поиске работы, арбитражников.

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\"форум
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Лучшие англоязычные форумы

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Одной из лучших англоязычных площадок считается STM. Здесь можно ознакомиться с тематическими исследованиями, руководствами, сведениями по разным темам, пообщаться с web-мастерами. За 7 лет работы STM превратился в авторитетную платформу по аффилированному маркетингу. Пользователи организовывают конференции, делятся своей компетенцией, дают инструкции начинающим арбитражникам.

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\"\"
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Еще неплохой площадкой считается AffPlayBook. Здесь доступны:

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На площадке предусмотрены обучающие видеоролики, тематические исследования. Можно поделиться знаниями, задать вопросы, пообщаться с арбитражниками.

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К топовым форумам относят Madsociety.net. Здесь обмениваются разными стратегиями и обсуждают их. Можно обсудить СЕО, СММ-маркетинг, коммерцию. Доступны подразделы, где покупают и продают инструменты, услуги, обсуждают бизнес-темы. Пользоваться площадкой можно лишь после оплаты подписки.

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Есть много площадок для арбитражников трафика, но выше перечислены только топовые из них. Посетите платформу, чтобы получить полезную информацию, побеседовать с другими пользователями, поделиться опытом.

\n', 'Лучшие форумы для арбитражников трафика', 'Несмотря на то, что часть аудитории форумов перетянули мессенджеры, подобные сайты по-прежнему могут помочь в продвижении ресурса. Выбрать лучший форум арбитражников можно, изучив нижеприведенную статью.', 'publish', 'open', 'open', '', 'luchshie-forumy-dlya-arbitrazhnika-russkie-i-zarubezhnye', '', '', '2023-05-19 03:41:08', '2023-05-19 03:41:08', '', 0, 'https://pampadu.ru/blog/?p=2660', 0, 'post', '', 0), (2661, 1, '2023-05-19 03:34:04', '2023-05-19 03:34:04', '', 'форумы для арбитражников', '', 'inherit', 'open', 'closed', '', '1684467226858', '', '', '2023-05-19 03:34:04', '2023-05-19 03:34:04', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1684467226858.jpg', 0, 'attachment', 'image/jpeg', 0), (2662, 1, '2023-05-19 03:35:13', '2023-05-19 03:35:13', '', 'форум addset', '', 'inherit', 'open', 'closed', '', '1684467298817', '', '', '2023-05-19 03:35:13', '2023-05-19 03:35:13', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1684467298817.jpg', 0, 'attachment', 'image/jpeg', 0), (2663, 1, '2023-05-19 03:38:03', '2023-05-19 03:38:03', '', '1684467466810', '', 'inherit', 'open', 'closed', '', '1684467466810', '', '', '2023-05-19 03:38:03', '2023-05-19 03:38:03', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1684467466810.jpg', 0, 'attachment', 'image/jpeg', 0), (2664, 1, '2023-05-19 03:40:16', '2023-05-19 03:40:16', '', 'лучшие форумы для арбитражников', '', 'inherit', 'open', 'closed', '', '1030h502-4-1-2', '', '', '2023-05-19 03:40:16', '2023-05-19 03:40:16', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-4-1-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2666, 13, '2023-05-19 04:17:11', '2023-05-19 04:17:11', '\n

Почти все агентства недвижимости работают в условиях тотальной конкуренции. Внедрение CRM ускоряет рутинные процессы, позволяя управлять контактами, хранить данные о потенциальных покупателях и продавцах, автоматизировать ряд стандартных процессов.

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Рассмотрим CRM для агентств недвижимости, позволяющие ускорить бизнес-процессы и повысить результативность работы команды.

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Какие задачи решает CRM

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CRM-системы для агентств недвижимости – это программные комплексы, разработанные для решения профильных задач.

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Программа создает профили клиентов, ведет историю общения, фиксирует контакты, отслеживает стадии сделок.

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Базовым функционалом является обработка заявок на просмотр объектов, расписание показов, уведомление клиентов о проводимых мероприятиях. Ряд ПО могут формировать отчеты по продажам или анализировать работу компании.

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В системе предусмотрена интеграция с другими программами (сайтом агентства, соцсетями) для автоматического импорта данных из объявлений или запросов на просмотр объектов. Важно также обеспечить безопасность хранения данных клиентов и объектов недвижимости.

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Таким образом, задачами CRM является: систематизация и хранение данных, а также автоматизация рутинных процессов. Вопрос хранения информации при этом играет базовую роль, так как от него зависит конкурентоспособность АН и его репутация на рынке недвижимости.

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CRM для АН

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CRM помогают оперативно управлять базами данных, автоматизировать и ускорять процессы, защищать информацию.

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Они не только выполняют базовые задачи, но и решают иные задачи:

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В рейтинге CRM для агентств недвижимости первые позиции занимают такие платформы, как Bitrix24, amoCRM, NTRUM. Каждая из этих систем повышает эффективность работы с клиентами и управления бизнесом.

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NTRUM

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NTRUM входит в пятерку лучших CRM для агентств недвижимости. Представляет собой набор инструментов для управления клиентской базой и автоматизации процессов продаж.

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Базовые преимущества NTRUM:

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Разработчики позаботились встроить оптимизатор цикла продаж, который выдает статистику по каждой операции: от лида до подписания договора купли-продажи. Пользователи положительно отзываются о работе техподдержки.

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\"\"
NTRUM
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YUcrm

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YUcrm обладает функционалом, который включает в себя управление клиентской базой, автоматизацию процессов продаж, маркетинга, отчетности. Благодаря интеграции с почтовыми сервисами и социальными сетями, YUcrm быстро находит потенциальных клиентов.

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К дополнительным плюсам можно отнести:

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YUcrm – это необходимый минимум функций, по приемлемой цене.

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\"crm
YUcrm
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AmoCRM

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AmoCRM позиционируется как понятная система, позволяющая управлять продажами и клиентской базой.

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ПО автоматизирует процессы работы компании, отслеживает стадии сделок, контролирует действия менеджеров. Используются застройщиками и АН.

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В amoCRM присутствует интеграция с сервисами: Яндекс.Недвижимость, Авито, ЦИАН, а также интеграция с Google Analytics, позволяющая анализировать работу рекламных источников. Есть мобильное приложение.

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Особенность – клиент арендует сервер разработчика.

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\"amocrm
AmoCRM
\n\n\n\n

AT Realt + Битрикс24

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AT Realt и Битрикс24 используются крупными АН.

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Преимущества:

\n\n\n\n\n\n\n\n

ПО регулярно обновляется. В случае проблем оперативно работает служба техподдержки.

\n\n\n\n
\"битрикс
AT Realt и Битрикс24
\n\n\n\n

JokerCRM

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JokerCRM входит в Topnlab CRM для агентств недвижимости благодаря совместной разработке с профильными специалистами.

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Программа управляет этапами работы с клиентами, от поиска покупателей до заключения сделки. Предусмотрены отдельные блоки для разных категорий пользователей и задач. Джокер интегрируется с сайтами, мессенджерами, электронной почтой.

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Пакет можно приобрести или арендовать. Второй вариант целесообразнее, так как позволяет регулярно привлекать разработчиков для настройки функционала под работу компании.

\n\n\n\n
\"joker
JokerCRM
\n\n\n\n

JoyWork

\n\n\n\n

JoyWork – нетипичный представитель – федеральная система учета, которую разработчики адаптировали под нужды АН и застройщиков.

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Достоинства программы:

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JoyWork управляет базами, ведением сделок (с разбивкой на детальные этапы), контролирует задачи, распределяя их между сотрудниками.

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JoyWork – это интуитивный интерфейс, подробная аналитика по продажам и отчетность о работе каждого сотрудника.

\n\n\n\n

Отсутствует мобильное приложение.

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\"joywork
JoyWork
\n\n\n\n

Kvartus: что это

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Kvartus также ориентирована на небольшие АН. Работает только через аренду сервера разработчика. Число ресурсов, на которые выгружаются объявления сокращено до 100. Присутствует функционал автоматизации рабочих процессов и интеграция со сторонними сервисами (ЦИАН, Авито).

\n\n\n\n

Система имеет интуитивно понятный интерфейс, а также поддержку на русском языке. Kvartus предоставляет возможность отслеживать результативность работы каждого сотрудника агентства.

\n\n\n\n
\"Kvartus
Kvartus
\n\n\n\n

CRM-1RS

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CRM-1RS разработчики адаптировали под все базовые браузеры. Программа позволяет анализировать работу сотрудников на удаленке.

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Функционал включает:

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Настраивается под потребности АН. Выгружается на 50 платформ. Техподдержка работает круглосуточно.

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\"CRM-1RS
CRM-1RS
\n\n\n\n

АрендаСофт

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АрендаСофт позволяет вести учет объектов недвижимости, заключать договоры с клиентами, контролировать исполнение обязательств. Благодаря интеграции с сайтом агентства, программа автоматически обновляет информацию о доступных объектах на сайте и отправляет уведомления клиентам о новых предложениях. АрендаСофт ведет учет финансовых операций, формирует отчетность, анализирует результаты работы компании.

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Минус – отсутствие разграничения прав доступа для категорий пользователей. Нет оценки работы персонала.

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\"arendasoft
АрендаСофт
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Риелтор Про Web

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Риелтор Про Web – система с интуитивным интерфейсом, понятным даже новичкам. Риелтор Про Web предоставляет набор инструментов для маркетинга и продвижения услуг агентства. Поддерживает все соцсети и мессенджеры. Подходит для небольших или средних АН.

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\"Риелтор
Риелтор ПРО WEB
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Базовые преимущества

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CRM-системы предоставляют не только возможность управления клиентской базой или взаимодействия с потенциальными покупателями, но и целый комплекс услуг для вашего бизнеса.

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Они включают:

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Некоторые программы также предоставляют доступ к базам данных объектов недвижимости, помогают управлять документами.

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Как выбрать CRM для агентства недвижимости

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Подбор ПО является ключевым моментом для АН. Необходимо учитывать такие факторы, как функциональность, легкость использования, интеграция с другими приложениями, цена. Перед окончательным выбором рекомендуется ознакомиться с отзывами пользователей, а также провести тестирование нескольких систем.

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Специализация

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Специализированные ПО позволяют делить данные на требуемые категории:

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Отдельно могут выводиться земельные участки.

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При выборе специализированной CRM необходимо учитывать особенности бизнеса и требуемый функционал.

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Функционал

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Программы предоставляют множество инструментов для работы с объектами недвижимости, контактами клиентов, создания отчетов и аналитики. Они также могут включать дополнительные функции, например, возможность проводить онлайн-показы объектов или интеграцию с социальными сетями, почтовыми сервисами, телефонными системами, формирование аналитики продаж. Хорошие системы также обеспечивают безопасность данных клиентов и доступ к информации только соответствующих пользователей.

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Кроссплатформенность

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Сотрудники АН могут работать не только на компьютерах, но и на мобильных устройствах, что требует от программного обеспечения оперативной адаптации под различные операционные системы. (Windows, iOS, Android).

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Кроссплатформенность позволяет пользователям получать доступ к данным клиентов или объектов недвижимости с любого устройства.

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Парсинг

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CRM могут предоставлять возможность автоматического парсинга данных с различных сайтов, таких как ЦИАН или Авито. Это позволяет быстро получать информацию о новых объектах недвижимости на рынке или обновлениях цен на уже имеющиеся. Кроме того, использование функции парсинга позволяет избежать ошибок при ручном вводе данных, сэкономив время менеджеров по работе с базой объектов.

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Техническая поддержка

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Когда дело касается CRM, важно не только выбрать платформу, но и обеспечить ее бесперебойную работу. Техническая поддержка – фактор, который следует учитывать при выборе соответствующего ПО.

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Системы предоставляют круглосуточную техническую поддержку по телефону, через электронную почту или чат. Команда специалистов оперативно решает все возникающие проблемы, обеспечивая стабильность работы платформы в любое время суток.

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ДомКлик PRO представляет собой популярнейшую платформу, где размещают публикации те, кто хочет продать дом, купить жилье, оформить ипотечный кредит. ДомКлик ПРО отличен тем, что его используют не владельцы недвижимости, а застройщики, риэлторы, которые работают одновременно с несколькими публикациями.

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Создать в ДомКлик личный кабинет стоит по таким причинам:

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Еще отмечают инструменты, обеспечивающие комфортное проведение сделок. В ДомКлик личный кабинет риэлтора предусматривает такие возможности:

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Создать аккаунт на платформе можно так:

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  1. Открыть сервис.
  2. Выбрать «Агентам и агентствам».
  3. Кликнуть по кнопке регистрации.
  4. Написать личную информацию и контакты.
  5. Верифицировать телефонный номер.
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Персональная карточка риэлтора

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Сервис предусматривает персональные карточки для прошедших регистрацию агентов. Карточки включают в себя сведения о работе риэлтора, отзывы, оценки реальных продавцов и покупателей недвижимости. Объективные сведения из персональной карточки позволяют выбрать риэлтора, который будет сопровождать сделку. Оценки и отзывы увеличивают уровень доверия к агенту.

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Чтобы увидеть, как люди видят карточку, откройте подраздел «Основное», кликните по ссылке в блоке «Карточка риэлтора». Она включает в себя такие сведения:

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Если риэлтор верифицирован в личном кабинете pro.domclick.ru, отображается надпись «Профиль подтвержден», а фотография обрамляется зеленым цветом.

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Рейтинг агента

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Люди, завершив сделку, могут дать оценку работы агента по пятибалльной системе, оставить отзыв. Используется методика, позволяющая исключить ложные отзывы, субъективные оценки. Пишут отзыв одним из следующих способов:

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При формировании рейтинга учитываются те оценки, что дали за последний год. Обновление рейтинга – ежедневное.

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Оформление ипотечного кредита за покупателя

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При подаче заявки на ипотечный кредит риэлтором клиент зачастую не готов сразу выполнить отправку нужных документов. Однако платформа позволяет агенту сформировать заявку, после чего останется дождаться, пока заемщик сам пришлет документы. Это запустит процесс одобрения.

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Альтернативный вариант – отправка документов через сайт государственных услуг. Это удобный вариант, если человек имеет зарплатную карточку у кредитора. В таком случае не понадобится выполнять самостоятельную отправку – система автоматизированная.

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Безопасные расчеты – стандарт качества в отрасли

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Гарантия безопасных расчетов позволяет сэкономить время. Это важно, ведь риэлтор продает собственное время – его правильное применение считается одним из основных моментов в работе.

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Электронная регистрация сделок – опережение времени

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Здесь можно сказать то же, что и про безопасные расчеты. Электронная регистрация сделок позволяет сэкономить время, не посещать госучреждение лишний раз. Кроме того, при использовании сервиса на ипотеку дается скидка 0.3%.

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Продвижение публикаций

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Среди риэлторов применяется стратегия продвижения недвижимости, основанная на поиске ФОБа. Так называют человека, который давно ищет квартиру, изучил локации и расценки. Когда он приходит на новые объекты, то выдвигает релевантное и близкое к стоимости сделки предложение.

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Цель агента – отыскать такого человека. Чем быстрее риэлтор вышел на сделку, тем более продуктивно он потратил время и средства. Поиск ФОБа занимает около 14 дней после старта продаж. В продвижении недвижимости поможет платформа DomClick. Плановое продвижение обеспечивает хороший коммерческий эффект, лучшее соотношение стоимости и числа звонков.

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Программа для смартфона

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ДомКлик сравним со швейцарским ножом – мультифункциональным предметом, который под рукой. Возможности риэлтора, связанные с работой, на платформе безграничны. Можно общаться в чате, получать одобрение недвижимого имущества для покупателя. Все это можно делать где и когда угодно – нужно лишь подключение к Сети. Такую возможность обеспечивает приложение для смартфона.

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Находясь дома у человека либо на просмотре недвижимости, можно безотрывно от работы переместить объект в избранное, поделиться. Также в программе предусмотрены звонки, выпуск электронной подписи. Профессия риэлтора характеризуется мобильностью. В течение дня, независимо от собственного местонахождения, специалист должен поддерживать коммуникацию с клиентами.

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Упрощенное оформление СЭР и СБР

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Сделка с недвижимым имуществом должна быть зарегистрирована в Росреестре. СЭР обеспечивает оформление собственнического права без визита в Росреестр либо МФЦ. Это работает так:

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  1. Когда недвижимое имущество одобрено, агенту становится доступна новая кнопка упрощенного оформления.
  2. При отправке заявки через СЭР большинство сведений загружаются из сделки покупателя. Нужно проверить, корректно ли все оформлено, и отправить информацию кредитору.
  3. Риэлтору остается указать цену недвижимости, реквизиты счета эскроу.
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Преимущества Пампаду

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Пампаду – это платформа для агентов, зарабатывающих на страховках. В ДомКлик страхование предусмотрено при оформлении ипотеки. Пампаду – бесплатная интернет-платформа, где любой желающий зарабатывает на продаже и оформлении страховок. Преимущества сервиса таковы:

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Платформа оптимальна для тех, кто занимается продажей страховок, развитием агентских сетей в субъектах РФ.

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Работа с возражениями в недвижимости – это не просто получение сведений, а выяснение сути. После следует грамотная, правильная отработка. Для работы риэлтор должен понимать, как предотвратить возражения, устранить их при разговоре.

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Топ-8 частых возражений

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Чаще встречаются такие возражения:

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  1. В помощи с продажей не нуждаюсь. Человек, который в 1-й раз планирует сделку с недвижимым имуществом, полагает, что риэлтор просто найдет покупателей. Каждый 3-й продавец отказывается сотрудничать с агентами, а через 2-3 мес. возвращается, так как не может сам выполнить продажу недвижимого имущества. Цель агента – показать, что от работы с ним продавец выиграет. Озвучьте цифры – они влияют на сознание людей.
  2. За помощь необходимо заплатить. Люди жадничают из-за недооценки риэлторского труда. Расскажите человеку про то, чем ценна помощь агента. Донесите до продавца информацию о рисках, сопряженных с самостоятельной продажей недвижимого имущества, про ответственность, принимаемую риэлтором. Докажите человеку, что он заплатит не просто так.
  3. Я уже сотрудничал с риэлторами, но они ничего не сделали. При таком варианте не воспринимайте слова на свой счет и уж тем более не обижайтесь. Человек рассказывает про собственный отрицательный опыт, поэтому проявите искреннее сочувствие.
  4. Я не стану ничего подписывать. Первое, с чего начинаются отношения агента и клиента – это оформление соглашения. Однако, если неправильно выбрать момент для подписания договора, появляется риск столкнуться с возражением, отпугнуть человека. Клиенты не хотят сталкиваться с формальностями в виде подписания документов, привязываться к конкретному риэлтору. Также они опасаются, что столкнутся с обманом. Сомнения клиента говорят о плохом контакте с ним, отсутствие доверия к агенту.
  5. Почему я должен сотрудничать? Не стоит уверять человека в том, что вы более надежны, нежели иные риэлторы. Лучше расскажите человеку про плюсы работы. Тут работают примеры из практики, потому разработайте перечень кейсов. Это подтвердит, что вы не новичок, уверит клиента в навыках. Главное – научиться добавлять кейсы в разговор в правильный момент.
  6. Приходите с покупателями. Бывает, что человек не хочет показывать недвижимость риэлтору, хочет видеть реальных покупателей. Агенту же необходимо оказаться на просмотре недвижимости, чтобы посмотреть на нее собственными глазами, получить новый объект. Просмотр объекта без покупателя – не простая прихоть агента, а необходимость. Продавцы могут указывать недостоверные сведения в публикации, писать неполную информацию о недвижимости. Они лгут по поводу того, что все бумаги подготовлены для заключения сделки.
  7. Другие агенты берут 3%, а у вас 4% – зачем буду платить больше? Для отработки возражения необходимо осознавать ценность собственных услуг, а также понимать, чем отличаетесь от других риэлторов. Скажите клиенту, что понимаете его и хотите рассказать про то, какие услуги включены во взимаемую плату.
  8. Я подумаю. Среди риэлторов принято называть возражение ложным. Люди так часто маскируют возражение, которое неудобно озвучивать. Это сравнимо с ситуацией, когда товар не требуется человеку, но воспитание не дает озвучить резкий отказ. Однако в сфере недвижимого имущества такое возражение оказывается реальным. Поинтересуйтесь, что не дает человеку принять решение, предложите свою помощь.
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Подготовка к встрече с клиентом

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Для грамотной отработки возражений позаботьтесь о хорошей подготовке к беседе с продавцом. Узнайте о предпочтениях человека как можно больше. В этом поможет СРМ-платформа, где сведения о каждом человеке написаны в специальной карточке.

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Также СРМ-система служит для хранения информации о покупателях. В ней хранятся такие сведения:

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Карточки предусматривают возможность настройки полей, фиксацию информации в них. К примеру, запишите, что у человека кошка и 3 ребенка. Это обеспечит понимание клиентов, продуктивное проведение встреч.

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Причины возникновения возражений

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Агент осознает, что совершает продажу 3 раза. Риэлтор продает:

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На стадии продажи услуги и появляются возражения. Они обусловлены:

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Правила работы с возражениями

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Прежде всего, агент должен уметь слушать, сохранять тактичность, понимать правила ведения разговора, осторожно демонстрировать собственный профессионализм. Для сохранения положительной атмосферы при разговоре учитывайте следующие правила:

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Неопытные агенты совершают ошибки. К частым ошибкам относят следующее:

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Часто риэлторы ошибаются при затрагивании темы конкурентов. Не нужно отрицательно отзываться о них. Отметьте факты из их работы – допускается раскрытие недостатков. Еще клиенты спрашивают у агентов про цену услуг. Если клиент полагает, что услуги слишком дорогие, поинтересуйтесь, почему он так думает. Если клиент сомневается, просит время подумать, не оказывайте давление. Однако поинтересуйтесь, чем обусловлена неуверенность.

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Зная правила борьбы с возражениями и избегая частых ошибок, риэлтор обеспечивает себе высокий процент заключенных сделок. Получать дополнительный заработок можно, используя сервис Пампаду. Плюсы платформы таковы:

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Платформу Пампаду используют и те, кто занимается продажей страховых услуг, различных финансовых продуктов. Сервис заключает в себе хороший заработок для тех, кто работает в области недвижимого имущества, финансов. Риэлторы, использующие Пампаду, положительно отзываются о платформе, утверждают, что она обладает широким функционалом.

\n', 'Как работать с возражениями клиентов в недвижимости', 'Риэлторы часто сталкиваются с тем, что клиенты сопротивляются, выдвигают претензии. Чтобы предотвратить конфликты и грамотно выйти из неловкой ситуации, изучите, как ведется работа с возражениями в недвижимости.', 'publish', 'open', 'open', '', 'kak-riehltoru-rabotat-s-vozrazheniyami', '', '', '2023-05-19 05:00:25', '2023-05-19 05:00:25', '', 0, 'https://pampadu.ru/blog/?p=2683', 0, 'post', '', 0), (2684, 1, '2023-05-19 04:58:42', '2023-05-19 04:58:42', '', 'работа с возражениями для риэлторов', '', 'inherit', 'open', 'closed', '', '1030h502-1-1-4', '', '', '2023-05-19 04:58:42', '2023-05-19 04:58:42', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-1-1-2.jpg', 0, 'attachment', 'image/jpeg', 0), (2687, 15, '2023-05-19 05:11:08', '2023-05-19 05:11:08', '\n

Арбитражный трафик – перспективное направление интернет-маркетинга. Популярные способы его покупки в рекламных сетях – CPA, CPM и CPC. Однако, чтобы успешно зарабатывать на них, разберитесь в принципе работы.

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CPC (CostperClick): что это и как работает

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CPC трафик – это модель оплаты рекламы, в которой рекламодатель платит за каждый клик по его объявлению. В арбитраже CPC используется для продвижения товаров или услуг для целевой аудитории. Рекламные кампании, работающие на CPC, основаны на ключевых словах и таргетинге по интересам пользователей.

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Размер ставки за клик зависит от конкуренции ключевых слов и качества рекламного объявления. Для успешной работы с CPC правильно подбирайте ключевики, объявления и регулярно тестируйте варианты. Контролируйте расходы на рекламу и корректируйте рекламную кампанию для получения максимальной прибыли.

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Преимущества и недостатки работы по CPC для арбитражников

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Работа по CPC (cost-per-click) – популярный тип оплаты в арбитражном маркетинге.

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Преимущества:

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Недостатки модели:

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Преимущества и недостатки CPC для источника трафика

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Главными «плюшками» CPC для источника трафика являются:

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Кроме того, эксперты называют модель CPC минимально рисковой.

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Минус – неэффективность CPC при работе со слабой аудиторией или использовании неправильно подобранных ключевых слов. Также необходим высокий CTR объявлений.

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CPM (CostperMiele): принцип работы модели

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CPM – это метод оплаты рекламных показов, когда арбитражник получает деньги за каждые 1000 показов рекламного баннера на сайте. То есть, рекламодатель оплачивает только количество показов, а не пришедших клиентов или продажи.

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В арбитраже CPM используют для привлечения трафика и увеличения числа просмотров страниц. Чтобы заработать на CPM, необходима высокая посещаемость и интересный для пользователей контент. CPM неэффективен для продвижения товаров или услуг с низкой конверсией и небольшим числом заказов.

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Плюсы и минусы CPM для арбитражников

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Преимущества модели:

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Однако у CPM немало и недостатков. К ним относятся:

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Кроме того, CPM не учитывает эффективность рекламы и конверсию, поэтому нередко менее выгоден в сравнении с другими моделями оплаты.

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Преимущества и недостатки CPM для источника трафика

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Для источника трафика, работающего по CPM–стабильный доход. Формат подходит для сайтов с высоким трафиком.

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Недостатки – необходимость охвата большой аудитории и отсутствие отдельной проплаты кликов.

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CPT: особенности модели

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CPT (costpertime или «время – деньги») – модель оплаты в арбитражном маркетинге, где рекламодатель платит за размещение рекламы в определенном промежутке времени (неделя, месяц). То есть, если сайт продает рекламу по CPT за 1000$ в месяц, то рекламодатель оплачивает эту сумму вне зависимости от того, сколько кликов или просмотров получит его объявление.

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CPT модель нередко используют крупные компании с большим бюджетом и необходимостью долгосрочного размещения рекламы на конкретном сайте (например, для узнаваемости бренда).

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Плюсы и минусы CPT для арбитражников

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Для арбитражников CPT интересен в следующих моментах:

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Плата за размещение рекламы фиксированная и не зависит от количества кликов или просмотров. Арбитражник точно знает, сколько он заработает в течение определенного периода.

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Недостаток метода – тщательная разработка объявлений (баннеров). Функция – интерес у пользователя и кликабельность, иначе рекламный бюджет на CPT модель будет потрачен впустую.

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Кроме того, CPT менее прибыльный по сравнению с другими методами оплаты.

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Бонусы и «антиплюшки» CPT для источника трафика

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Главные «плюшки» CPT:

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Минусы модели:

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Кроме того, из-за фиксированных цен на CPT, источник трафика может не получать выгоду от более эффективной работы с объявлениями.

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CPA (CostPerAction): что это и как работает

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CPA трафик – это форма оплаты за действие пользователя на сайте рекламодателя. Этот вид оплаты используется в случаях, когда рекламодатель не хочет платить за простой клик или показ баннера, а желает получить какую-то конкретную пользу от посещения своего сайта.

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Виды действий:

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В арбитражном маркетинге CPA используют для продвижения товаров и услуг с помощью контекстной рекламы, социальных сетей и других каналов. Рекламодатель устанавливает цену за каждое действие пользователей на своем сайте, а рекламная площадка берет комиссию за предоставление трафика. Сеть дает не просто трафик, а подтвержденные лиды, поэтому и цена модели соответствующая. Обеспечивается уровень контроля над бюджетом и эффективностью кампаний.

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Для успешного использования CPA в арбитраже подберите целевую аудиторию и создайте привлекательный лендинг, который будет мотивировать пользователей на выполнение нужного действия. Следите за конверсией и оценивайте эффективность рекламных кампаний через специальные инструменты аналитики.

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Плюшки и минусы CPA для арбитражников

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Арбитражник называют CPA выгодной моделью оплаты, так как они получают доход только при выполнении целевого действия пользователем. Базовые риски ложатся на рекламную сеть.

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К недостаткам:

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При правильном подходе и выборе предложений CPA станет выгодным инструментом в работе арбитражника.

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Преимущества и недостатки CPA для сетки

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Выбор офферов, условия, набор полезных инструментов – все это базовые преимущества модели.

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CPA менее предсказуем, чем другие формы оплаты. При нем возникают трудности с отслеживанием целевых действий пользователя.

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Работа с CPA требует подготовки и определенного уровня опыта в работе с аудиторией и выборке офферов. Рекламодателям важно знать целевой рынок и его потребности.

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Какую модель выбрать

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В арбитражном трафике используются разные модели оплаты рекламы: CPA (оплата за действия), CPM (оплата за показы) и CPC (оплата за клики).

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CPA – подходит для продаж финансовых продуктов, а также цифровых товаров или услуг, где определяется конверсия. CPT– хорош для увеличения осведомленности о бренде, поскольку в этом случае не требуется тесное взаимодействие с пользователем. CPC – подходит для сайтов с конверсией, где каждый клик приведет к продаже.

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В зависимости от цели маркетинга выбирают ту модель оплаты, которая лучше всего соответствует запросам компании. При этом стоит учесть, что использование только одной модели неэффективное.

\n', 'CPA, CPM, CPC в арбитраже трафика', 'Что собой представляют модели покупки трафика CPA, CPM, CPC. Оценка их главных преимуществ и недостатков для участников процесса – арбитражников и источников трафика.', 'publish', 'open', 'open', '', 'cpa-cpm-cpc-v-arbitrazhe-chto-ehto-plyusy-i-minusy-modelej-oplaty', '', '', '2023-05-19 05:11:08', '2023-05-19 05:11:08', '', 0, 'https://pampadu.ru/blog/?p=2687', 0, 'post', '', 0), (2688, 1, '2023-05-19 05:10:16', '2023-05-19 05:10:16', '', 'cpa cpm cpc', '', 'inherit', 'open', 'closed', '', '1030h502-1-1-1', '', '', '2023-05-19 05:10:16', '2023-05-19 05:10:16', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-1-1-1-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2690, 1, '2023-05-19 05:14:04', '2023-05-19 05:14:04', '', 'cpa оффер', '', 'inherit', 'open', 'closed', '', '1030h502-2-21', '', '', '2023-05-19 05:14:04', '2023-05-19 05:14:04', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-2-2.jpg', 0, 'attachment', 'image/jpeg', 0), (2693, 13, '2023-05-22 10:27:26', '2023-05-22 10:27:26', '\n

Вам 6000 р. за каждую выданную карту, каждому вашему клиенту кешбэк 3000 р. за покупки на сумму от 3000 р.

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⚡️ Подробные условия акции вы можете узнать в карточке оффера или на сайте рекламодателя.
Акция действует до 31.05.2023

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Все больше агентов увеличивают свой доход благодаря оформлению банковских продуктов!

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Как зарабатывать на банковских продуктах с Пампаду рассказали здесь.

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✔️ Подпишитесь на обновления по банковским офферам в нашем канале и узнавайте все новости первыми!

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Хороших продаж!

\n', 'Кредитная карта Разумная - выгодная карта для вас и ваших клиентов!', 'Выгодное предложение по кредитной карте Разумная. Подробнее об условиях в статье.', 'publish', 'open', 'open', '', 'kreditnaya-karta-razumnaya-vygodnaya-karta-dlya-vas-i-vashih-klientov', '', '', '2023-05-22 10:27:26', '2023-05-22 10:27:26', '', 0, 'https://pampadu.ru/blog/?p=2693', 0, 'post', '', 0), (2694, 1, '2023-05-22 10:27:10', '2023-05-22 10:27:10', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-22', '', '', '2023-05-22 10:27:10', '2023-05-22 10:27:10', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-2-8.png', 0, 'attachment', 'image/png', 0), (2696, 13, '2023-05-22 12:44:46', '2023-05-22 12:44:46', '\n

❓От агентов юр.лиц приходят вопросы по быстрым выплатам и мы собрали часто задаваемые из них:

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  1. Что делать, если не соответствует номер телефона в Пампаду и в Nopaper?
  2. Не хочу/ не могу выпустить НЭП, как тогда подписать оферту и начать получать быстрые выплаты?
  3. В ЛК Пампаду ошибка 404 при переходе на оферту, как тогда подписать?
  4. Не вижу документ на подпись в ЛК Nopaper, что делать?
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Подробные ответы вы можете изучить в разделе помощь по ссылке➡️ ЗДЕСЬ.

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?С любовью к своему делу, команда Пампаду!

\n', 'Ответы на частые вопросы по подключению быстрых выплат юр.лицам', 'Ответы на актуальные вопросы по подключению быстрых выплат юр.лицам', 'publish', 'open', 'open', '', 'otvety-na-chastye-voprosy-po-podklyucheniyu-bystryh-vyplat-yur-litsam', '', '', '2023-05-22 12:44:46', '2023-05-22 12:44:46', '', 0, 'https://pampadu.ru/blog/?p=2696', 0, 'post', '', 0), (2697, 1, '2023-05-22 12:44:36', '2023-05-22 12:44:36', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-23', '', '', '2023-05-22 12:44:36', '2023-05-22 12:44:36', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-2-9.png', 0, 'attachment', 'image/png', 0), (2699, 13, '2023-05-23 10:16:33', '2023-05-23 10:16:33', '\n

Помогаем страховать ипотеку в редких банках (более 80 банков), с возрастными заемщиками с крупным остатком по кредиту, при рефинансировании, ипотеку на частные и старые дома, страхование конструктива, жизни, титула.

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Если сомневаетесь, можно ли застраховать ваш случай - оставьте заявку менеджеру и уточните условия.
Предварительно ознакомьтесь с инструкцией, чтобы оформление произошло максимально быстро.

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?Преимущества офлайн-страхования ипотеки через Пампаду:

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— Работа с 10+ страховыми компаниями.
— Аккредитация в 80+ банках.
— Все виды страхования:
Жизнь, Имущество, Титул.
— Все объекты залога:
квартира, частный дом, апартаменты, таунхаус, комната.
— Возраст заемщиков: от 18 до 75 лет.

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Заявка на офлайн форму откроется, если по параметрам полис не проходит в онлайне.

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?С заботой о вас, команда Пампаду!

\n', 'На Пампаду можно застраховать ЛЮБУЮ ипотеку.', 'Работая вместе с нами вы можете страховать любое ипотечное страхование.', 'publish', 'open', 'open', '', 'na-pampadu-mozhno-zastrahovat-lyubuyu-ipoteku', '', '', '2023-05-23 10:16:33', '2023-05-23 10:16:33', '', 0, 'https://pampadu.ru/blog/?p=2699', 0, 'post', '', 0), (2700, 1, '2023-05-23 10:16:19', '2023-05-23 10:16:19', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-24', '', '', '2023-05-23 10:16:19', '2023-05-23 10:16:19', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-2-10.png', 0, 'attachment', 'image/png', 0), (2704, 13, '2023-05-23 12:04:41', '2023-05-23 12:04:41', '\n

Сегодня мы ищем в команду специалиста технической поддержки пользователей на удаленную работу по будням дням: любой город и регион!

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График работы с 10:00 до 19:00 МСК в будние дни. (полный рабочий день)
Субботу, воскресенье и праздничные дни выходные дни.

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? Если вы усидчивы, внимательны и любите помогать людям.
А условия вакансии подходящие - тогда отправляйте свое резюме на эл.почту.
Будем рады вам в команде Пампаду!

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Что нужно, чтобы вашу заявку рассмотрели?
Оставить заявку по ссылке➡️ЗДЕСЬ.

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PS. Поделитесь с коллегами и друзьями, если знаете, что им будет интересна эта вакансия.

\n', 'Открытая вакансия на должность оператора технической поддержки в Пампаду!', 'Открытая вакансия на Пампаду! \n', 'publish', 'open', 'open', '', 'otkrytaya-vakansiya-na-dolzhnost-operatora-tehnicheskoj-podderzhki-v-pampadu', '', '', '2023-05-23 12:04:41', '2023-05-23 12:04:41', '', 0, 'https://pampadu.ru/blog/?p=2704', 0, 'post', '', 0), (2705, 1, '2023-05-23 12:04:17', '2023-05-23 12:04:17', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-25', '', '', '2023-05-23 12:04:17', '2023-05-23 12:04:17', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-2-11.png', 0, 'attachment', 'image/png', 0), (2708, 13, '2023-05-24 10:00:41', '2023-05-24 10:00:41', '\n

?Рассказываем про крупные продажи наших агентов по КАСКО в апреле:

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  1. Страховая компания - Ренессанс
    Стоимость полиса - 419 930 руб.
    КВ - 61 414 руб.
  2. Страховая компания - Тинькофф
    Стоимость полиса - 173 600 руб.
    КВ - 33 569 руб.
  3. Страховая компания - Совкомбанк
    Стоимость полиса - 159 920 руб.
    КВ - 23 388 руб.
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Оставьте заявку на расчет КАСКО менеджеру Пампаду от 22 страховых компаний, поможем подобрать выгодное предложение для вас и клиента!

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Предварительный расчет отличается от конечного, подготовьте необходимые для него документы ↪️ по инструкции

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❣️Хороших продаж!

\n', 'Кейсы по Каско в апреле.', 'Рассказываем про крупные продажи наших агентов по КАСКО в апреле.', 'publish', 'open', 'open', '', 'kejsy-po-kasko-v-aprele', '', '', '2023-05-24 10:00:41', '2023-05-24 10:00:41', '', 0, 'https://pampadu.ru/blog/?p=2708', 0, 'post', '', 0), (2709, 1, '2023-05-24 10:00:30', '2023-05-24 10:00:30', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-16', '', '', '2023-05-24 10:00:30', '2023-05-24 10:00:30', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-1-6.jpg', 0, 'attachment', 'image/jpeg', 0), (2712, 13, '2023-05-24 13:32:39', '2023-05-24 13:32:39', '\n

Мы знаем как много агентов работает с нами в регионах двух столиц, поэтому корректируем размер вознаграждения в сторону повышения.

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?В Альфа-страховании для физ. лиц и самозанятых:
— В Московской области.
— В Ленинградской области.

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В СК МАКС увеличено КВ для всех типов пользователей:
— В Москве и МО.
— В Санкт-Петербурге и ЛО.

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А также в СК Макс сняли ограничения по сегментации - теперь будет меньше полисов с признаком \"пул\" и нулевой комиссией.

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Подробности смотрите в разделе личного кабинета \"Моя Комиссия\" или во время расчета полиса ОСАГО.

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?С заботой о вас,
команда Пампаду!

\n', 'Повысили КВ за полисы ОСАГО в Московском регионе и Санкт-Петербурге.', 'Корректируем размер вознаграждения в сторону повышения в Московском регионе и Санкт-Петербурге.', 'publish', 'open', 'open', '', 'povysili-kv-za-polisy-osago-v-moskovskom-regione-i-sankt-peterburge', '', '', '2023-05-24 13:32:39', '2023-05-24 13:32:39', '', 0, 'https://pampadu.ru/blog/?p=2712', 0, 'post', '', 0), (2713, 1, '2023-05-24 12:31:14', '2023-05-24 12:31:14', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-17', '', '', '2023-05-24 12:31:14', '2023-05-24 12:31:14', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-1-7.jpg', 0, 'attachment', 'image/jpeg', 0), (2715, 1, '2023-05-24 13:32:22', '2023-05-24 13:32:22', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-26', '', '', '2023-05-24 13:32:22', '2023-05-24 13:32:22', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-2-12.png', 0, 'attachment', 'image/png', 0), (2717, 13, '2023-05-25 09:42:58', '2023-05-25 09:42:58', '\n

? Российский союз автостраховщиков (РСА) продемонстрировал статистику продаж электронного полиса обязательного страхования автогражданской ответственности за 2022 год.

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С прошлого года было продано 23,3 млн полисов е-ОСАГО. Таким образом, количество оформленных электронных страховок на авто выросло на 9% по сравнению с 2021 годом, когда страховщики продали 21,4 млн подобных полисов.

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По заявлению РСА, доля е-ОСАГО составляет 57,8% от всех проданных за этот период полисов обязательного страхования автогражданской ответственности.

РСА назвали регионы-лидеры по продажам электронного ОСАГО в 2022 году:

Москва – 2,2 млн штук (9,4% от всех продаж электронных полисов ОСАГО в России);
Московская область – 1,2 млн штук (5,2%);
Краснодарский край – 909 тыс. штук (3,9%);
Свердловская область – 829 тыс. штук (3,6%);
Санкт-Петербург – 694 тыс. штук (3%);
Челябинская область – 660 тыс. штук (2,8%);
Республика Татарстан – 632 тыс. штук (2,7%);
Новосибирская область – 573 тыс. штук (2,5%);
Самарская область – 569 тыс. штук (2,4%);
Воронежская область – 497 тыс. штук (2,1%);
Красноярский край – 491 тыс. штук (2,4%);
Алтайский край – 483 тыс. штук (2,1%);
Приморский край – 483 тыс. штук (2,1%);
Ростовская область – 482 тыс. штук (2,1%);
Республика Башкортостан – 470 тыс. штук (2%).

Как сообщил президент РСА Евгений Уфимцев, количество проданных электронных полисов ОСАГО растет с каждым годом, преимущественно это связано с тем, что данным продуктом легко пользоваться, оформлять его можно даже из дома.

⚡️ Плюсы электронного полиса е-осаго.

Будьте в курсе новостей, вместе с Пампаду!

\n', 'В каких регионах чаще оформляют e-осаго.', '(РСА) продемонстрировал статистику продаж электронного полиса обязательного страхования автогражданской ответственности за 2022 год. ', 'publish', 'open', 'open', '', 'v-kakih-regionah-chashhe-oformlyayut-e-osago', '', '', '2023-05-25 09:42:58', '2023-05-25 09:42:58', '', 0, 'https://pampadu.ru/blog/?p=2717', 0, 'post', '', 0), (2718, 1, '2023-05-25 09:22:23', '2023-05-25 09:22:23', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-18', '', '', '2023-05-25 09:22:23', '2023-05-25 09:22:23', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-1-8.jpg', 0, 'attachment', 'image/jpeg', 0), (2722, 13, '2023-05-25 11:04:10', '2023-05-25 11:04:10', '\n

Если у вас уже есть аудитория, которой нужно страхование ипотеки, автомобиля или вы хотите заниматься продвижением банковских продуктов — начните зарабатывать прямо сейчас при помощи инструментов для вебмастеров на Пампаду:

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1. Виджеты это калькуляторы расчета стоимости полиса и сервисы оформления и покупки полиса для посетителей вашего сайта или приложения. Также можно создать виджет по банковским продуктам и МФО. Их легко установить на любой сайт или приложения, через размещения строчки кода в нужном месте. Дополнительно можно разместить ссылку на виджет в социальных сетях или отправить клиенту. Все расчеты и продажи отобразятся в вашем личном кабинете

2. Реферальная программа позволяет зарабатывать стабильно со всех продаж на Пампаду с тех, кто зарегистрируется по вашей ссылке. Какой бы продукт они не начали продавать, вы будете получать свою долю. У вас много риелторовов, страховых агентов или вебмастеров? Расскажите им о пампаду и получайте стабильный доход.

3. Витрины/Сайт - создайте с помощью конструктора витрину или сайт с банковскими продуктами, где у каждого автоматически будет ваша индивидуальная ссылка, по которой все продажи и оформления будут зафиксированы в личном кабинете, а комиссия начислена на баланс. Меняйте внешний вид, настраивайте передачу конверсия в яндекс метрику и оптимизируйте ваш трафик.

4. API - это возможность для профессиональных пользователей создать агрегатор ОСАГО или ипотечного страхования под своим брендом, используя подключение к нам по методам api. Требуются разработчики, которые будут настраивать и поддерживать интеграцию.

✔️ Преимущества работы виджетов и витрин:

1. Индивидуальная настройка внешнего вида.
Настраивайте внешний вид или выбирайте одну из готовых цветовых схем, используйте собственный фирменный стиль, логотип. Клиенты не узнают, что вы используете стороннее решение.
2. Установка на сайт за 2 минуты.
Просто скопируйте две строчки кода и вставьте в редактор любой страницы своего сайта или приложения.
3. Прозрачная статистика
Возможно тестировать гипотезы и находить для себя максимально эффективные способы заработка, а также видеть какой процент от стоимости полиса будет начислен вам на баланс по каждой страховой компании или банку. Возможность передавать цели в яндекс метрику.
4. Вознаграждение будет доступно сразу.
Выводите заработанное, когда вам удобно, даже сразу после успешной покупки посетителем.

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➡️ Подробнее про быстрые выплаты на Пампаду.

5. Конверсия в покупку существенно выше.
Предварительный расчет быстрый и точный, отправляем sms и Email тем, кто \"бросил\" оформление, благодаря данным деталям, процент совершивших покупку от всех посетителей сайта или приложения становится выше.

Повышайте свой заработок с помощью виджетов и витрин Пампаду, легко интегрируйте и запускайте продажи полисов ОСАГО, Ипотеки или банковских продуктов на своем сайте или в приложении. Поддерживаем крупных партнеров, кто интегрируется по APi.

⤵️ ЧИТАТЬ ПОДРОБНЕЕ ⤵️

Виджет продажи полисов ОСАГО

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Виджет продаж полисов Ипотеки

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Виджет банковских продуктов и МФО

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Совсем скоро расскажем о новых возможностях реферальной программы и интеграции с банковскими и HR продуктами!

❣️ С заботой о вас,
команда Пампаду!

\n', 'Инструменты для веб-мастеров по страховым и банковским продуктам: api, виджет, витрина, white label.', 'начните зарабатывать прямо сейчас при помощи инструментов для вебмастеров на Пампаду!', 'publish', 'open', 'open', '', 'instrumenty-dlya-veb-masterov-po-strahovym-i-bankovskim-produktam-api-vidzhet-vitrina-white-label', '', '', '2023-05-25 11:04:10', '2023-05-25 11:04:10', '', 0, 'https://pampadu.ru/blog/?p=2722', 0, 'post', '', 0), (2723, 1, '2023-05-25 10:30:13', '2023-05-25 10:30:13', '', 'image-7', '', 'inherit', 'open', 'closed', '', 'image-7', '', '', '2023-05-25 10:30:13', '2023-05-25 10:30:13', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/image-7.png', 0, 'attachment', 'image/png', 0), (2724, 1, '2023-05-25 10:31:55', '2023-05-25 10:31:55', '', 'image-3-1', '', 'inherit', 'open', 'closed', '', 'image-3-1', '', '', '2023-05-25 10:31:55', '2023-05-25 10:31:55', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/image-3-1.png', 0, 'attachment', 'image/png', 0), (2725, 1, '2023-05-25 10:32:44', '2023-05-25 10:32:44', '', 'image-2-1', '', 'inherit', 'open', 'closed', '', 'image-2-1', '', '', '2023-05-25 10:32:44', '2023-05-25 10:32:44', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/image-2-1.png', 0, 'attachment', 'image/png', 0), (2726, 1, '2023-05-25 10:33:14', '2023-05-25 10:33:14', '', 'image-1-1', '', 'inherit', 'open', 'closed', '', 'image-1-1', '', '', '2023-05-25 10:33:14', '2023-05-25 10:33:14', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/image-1-1.png', 0, 'attachment', 'image/png', 0), (2729, 1, '2023-05-25 11:05:09', '2023-05-25 11:05:09', '', '1030х5022', '', 'inherit', 'open', 'closed', '', '1030h5022', '', '', '2023-05-25 11:05:09', '2023-05-25 11:05:09', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h5022.png', 0, 'attachment', 'image/png', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (2732, 17, '2023-05-26 09:32:48', '2023-05-26 09:32:48', '\n

Пампаду – это платформа для риэлторов, предпринимателей, web-мастеров. Здесь зарабатывают, продавая финансовые, страховые продукты. Сервис партнерских продаж позволяет получать доход вне зависимости от опыта, уже спустя 5 мин после создания аккаунта. На платформе доступна связанная с Уралсиб партнерская программа.

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Офферы партнерки

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Уралсиб – известная банковская организация России, предусматривающая большое количество финансовых продуктов, услуг для физлиц, компаний.

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Уралсиб специализируется на следующих видах бизнеса:

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Филиалы банка есть в 7 субъектах РФ, 46 городах.

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Уралсиб предлагает 5 офферов. Один из офферов – кредитка с грейс-периодом 4 мес.

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Плюсы кредитки Уралсиб для заемщиков таковы:

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Компания проводит промоакцию «5000 на счет» для тех, кто оформляет кредитку «120 дней на максимум». Участвуя в акции, заемщик получает до 5 тыс. руб. на карту. Для получения бонуса необходимо выполнить оформление и активацию карточки «120 дней на максимум», исполнять условия промоакции на протяжении 5 мес.

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\"кредитная
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Еще банк предлагает оффер «Дебетовая карта Прибыль». Агент может получать 1455 руб. за каждую оформленную карточку, которую активировали. Для активации клиент должен получить карточку и оплатить ей в течение месяца после выдачи покупку хотя бы на 500 руб. К покупкам не относятся перевод средств на баланс сим-карты, отправка денег на другую карту, обналичивание. Соотношение числа отправленных заявок к подтвержденным равняется 25%. Средняя время поступления комиссионного вознаграждения – 80 суток.

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3-й оффер Уралсиба – это «Дебетовая карта Прибыль – Кешбэк 10% в аптеках». Условия оффера для агентов такие же, как и для обычной карточки банка. Однако для карты действуют другие условия:

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4-й оффер – «Дебетовая карта Прибыль Сыграй и получи до 1000 бонусных рублей». Условия для агента точно такие же, как у описанных выше карт. Разрешены такие виды трафика:

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По согласованию доступны:

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5-й оффер – «Расчетный счет для бизнеса». За каждый открытый активный счет для ИП или ООО агент получает от 5178 до 6268 руб. Средний срок зачисления комиссионных – 2 мес. Соотношение отправленных заявок к подтвержденным равно 15%. Точные размеры комиссионных таковы:

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Целевая аудитория, с которой нужно работать – это предприятия среднего и малого бизнеса, у которых раньше не было расчетного счета в Уралсибе. Активным считается счет, по которому была выполнена транзакция хотя бы на 15 тыс. руб.

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Условия партнерки

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Для получения дохода нужно, чтобы клиент получил карту, а затем в течение месяца оплатил ей покупку на сумму минимум 500 руб. Соотношение отправленных заявок к подтвержденным равно 3%.

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Для успешного заработка партнеру необходимо знать, как искать клиентов. Доступны разные варианты:

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  1. Сделайте паблик в соцсети, начните продвижение кредиток Уралсиб.
  2. Отыщите тематические паблики в социальных сетях, где публикуют рекламу.
  3. Выполните настройку таргетированной рекламы на своем профиле в соцсети, где осуществляете продвижение банковских предложений.
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Сколько позволяет заработать партнерская программа Уралсиб

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Партнер будет получать 3360 руб. за каждую карточку, которую выдали и активировали, совершив покупку. Средний срок поступления дохода на текущий счет – 2 мес. Срок отсчитывается с момента, когда заявка перешла из статуса «На проверке». Когда партнер получает доход, статус заявки меняется на «Начислено».

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Преимущества и недостатки партнерки

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Плюс партнерской программы Уралсиб заключается в популярности банка. Многие потенциальные клиенты слышали про Уралсиб, поэтому склонны доверять партнерским ссылкам. Люди часто переходят по ним для оформления карты, ведь банк предлагает клиентам бонус за оформление карты.

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Еще один плюс партнерской программы – это невысокие требования кредитора к клиентам, желающим оформить карту. Банк выдвигает требования, которым соответствуют многие заемщики. Это обеспечивает высокий процент одобренных заявок.

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Недостаток партнерской программы – не самый высокий доход. 3360 руб. нельзя назвать высоким вознаграждением за выдачу и активацию кредитной карточки клиенту. Также к минусам партнерки относят долгий срок получения денег. Средства от банка поступают партнеру в течение 60 дней.

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Как подключиться к партнерской программе

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Чтобы подключиться к партнерке, зарегистрируйтесь на Пампаду. Для этого:

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  1. Откройте платформу.
  2. Кликните по «Регистрация».
  3. Укажите ФИО, телефонный номер, электронную почту, город.
  4. Выберите «ИП или ООО» либо «Физическое лицо».
  5. Нажмите на «Зарегистрироваться».
  6. Откройте письмо от Пампаду, которое придет на электронную почту.
  7. Нажмите на «Активировать профиль».
  8. Установите пароль.
  9. Кликните по «Сохранить».
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\"личный
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После этого авторизуйтесь. Понадобится:

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  1. Ввести электронную почту.
  2. Написать пароль.
  3. Согласиться с правилами платформы.
  4. Кликнуть по кнопке входа.
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Теперь найдите оффер. Необходимо:

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  1. Открыть раздел «Фин. продукты».
  2. Нажать на «Кредитные карты».
  3. Кликнуть по «Оформить» напротив оффера «Уралсиб – Кредитная карта 120 дней без %».
  4. Кликнуть по кнопке копирования ссылки.
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После этого отошлите ссылку потенциальному заемщику в мессенджер либо любым иным методом. Web-мастер может применять скопированную ссылку, чтобы монетизировать трафик. После того, как заемщик перешел по полученной ссылке, он должен сам подать заявку через банковский сайт.

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♾ Добавили 8 новых банков для ипотечного страхования в СК Абсолют.

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Рады сообщить о расширении списка банков, доступных онлайн для ипотечного страхования в СК Абсолют.
Среди них так ожидаемый Альфа-Банк.
— ВТБ;
— Открытие;
— Альфа-Банк;
— Газпром;
— Райффайзен;
— АК БАРС;
— Абсолют Банк;
— Банк Уралсиб.

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? Доступные типы страхования:
— Жизнь;
— Имущество;
— Жизнь+Имущество.

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Лимиты:
— Жизнь - до 5 млн. р
— Имущество - до 15 млн. р
— Жизнь + Имущество - до 5 млн. р

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Коллеги, обращаем ваше внимание, что расчет стоимости по новым банкам в СК Абсолют может длиться до 1 минуты.

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⚡️Пользуйтесь фильтрами, на предварительном расчете, чтобы точно узнать, какие СК готовы оформить полис. Размер вознаграждения на Пампаду как вы любите - максимально возможный.

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P.S. Напоминаем, что если по условиям нельзя оформить полис онлайн, вы можете оформить абсолютно любой ипотечный полис через наших менеджеров.

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?Продуктивного дня, команда Пампаду!

\n', 'Новые банки для ипотечного страхования в СК Абсолют.', 'Расширили список банков, доступных онлайн для ипотечного страхования в СК Абсолют.', 'publish', 'open', 'open', '', 'novye-banki-dlya-ipotechnogo-strahovaniya-v-sk-absolyut', '', '', '2023-05-26 09:36:16', '2023-05-26 09:36:16', '', 0, 'https://pampadu.ru/blog/?p=2741', 0, 'post', '', 0), (2745, 1, '2023-05-26 09:35:35', '2023-05-26 09:35:35', '', '1030х502 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-2-27', '', '', '2023-05-26 09:35:35', '2023-05-26 09:35:35', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-2-13.png', 0, 'attachment', 'image/png', 0), (2747, 15, '2023-05-26 09:42:16', '2023-05-26 09:42:16', '\n

Попандер – это публикация с рекламой, появляющаяся в новом окошке под вкладкой, с которой работает человек. Триггер для открытия popunder определяют настройками JavaScript. Бывает, что для запуска поп-рекламы достаточно зайти на страницу с кодом. В других случаях триггер – это клик по области страницы.

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Примеры всплывающих окон с рекламой

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Pop under – не единственный рекламный формат, при котором окошко всплывает в браузере. Еще применяют popup. Он характеризуется большей агрессивностью, невозможностью игнорирования. Пользователь будет взаимодействовать с ним хотя бы для того, чтобы закрыть появившееся окошко поверх странички. Popup – это навязчивая реклама, часто раздражающая людей. Даже клавиша, закрывающаяся появившееся окошко, перенаправляет на страничку рекламируемого бренда. Это и делает рекламу агрессивной.

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Если сравнить popup и popunder, то последний характеризуется большей лояльностью. Оба вида рекламы обеспечивают крупные объемы трафика при маленьком бюджете. Попандер характеризуется хорошей конвертацией предложений, связанных с развлечениями, продуктами, услугами широкого потребления, новыми товарами.

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Popup подходит, чтобы работать с целевой сегментированной аудиторией. Чтобы работать с popup, необходимо провести тестирование, отыскать предложение. Несмотря на агрессивный формат, такая реклама обеспечивает сбор базы, привлечение и монетизацию крупных объемов трафика.

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Как рекламировать с помощью попандера

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Для запуска popunder рекламы следуйте такому алгоритму:

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  1. Выбор сети рекламы или источника трафика, которые позволяют настраивать попандеры.
  2. Настройка таргетинга на аудиторию с максимальной точностью.
  3. Создание всплывающего баннерного блока.
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Источники трафика работают с платформами-партнерами, где публикуются рекламные окошки. Сайты для размещения рекламы определяют настройки таргетинга.

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Плюсы и минусы попандеров

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Popunder имеет преимущества и недостатки. Преимущества таковы:

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  1. Топовый формат рекламы для тех, кто обучается партнерскому продвижению. Попандер не предусматривает баннера, креатива, в отличие от иных форматов рекламы. Запустить можно, имея посадочную страницу. Чем меньше шагов до конверсии, тем легче обучаться.
  2. Низкая цена. Popunder – самый дешевый рекламный формат из существующих. Продажа выполняется по модели CPM либо оплате за тысячу показов.
  3. Работа с феноменом баннерной слепоты. Popunder трудно не увидеть, в особенности на ПК.
  4. Использование для монетизации ресурсов. Попандер не ухудшает дизайн ресурса. Кроме того, люди не всегда определяют, из какой вкладки была открыта страница с рекламой, а значит, не связывают ее с ресурсом.
  5. Адаптация к устройствам. ПК, нетбуки, планшеты, телефоны – это дает возможность отыскать аудиторию под предложение.
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К недостаткам относят следующее:

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  1. Отрицательное отношение возможных клиентов. В отличие от баннерной рекламы, где человек самостоятельно определяет, откликаться на публикацию или нет, popunder не оставляет выбора. Реклама будет показана вне зависимости от решения пользователя.
  2. Трудности с установлением целевой аудитории. Аудитория popunder сетей обширна, но характеризуется разрозненностью. Там труднее отыскать собственную аудиторию, нежели в соцсетях, где доступен таргетинг предпочтений, возрастной категории.
  3. Зависимость от апдейтов браузеров, уязвимость к ПО для блокировки рекламных блоков. Popunder сильнее прочих рекламных форматов уязвим к блокираторам рекламы. Однако на popunder трафике до сих пор зарабатывают.
  4. Трафик ботов. При арбитраже специалист сталкивается с трафиком от ботов. Считается, что в попандер сетях процент трафика ботов выше, чем в иных рекламных форматах. Сегодня все сети рекламы ведут активную работу над снижением количества трафика ботов. Никому не нужен пустой трафик.
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Насколько попандеры эффективны

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Отвечать на вопрос лучше численными показателями. Например, можно рассмотреть, как выросло количество покупаемого popunder трафика в рекламной сети «РичАдс». С момента пуска в 2019 г. количество трафика увеличилось в 8 раз. За это время конверсии на popunder в «РичАдс» увеличились в 4 раза.

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Доверие тех, кто занимается арбитражем, и готовность инвестировать деньги в закупку попандер трафика, говорят лучше слов, которые не могут быть подкреплены статистическими сведениями. Объем закупаемого трафика – лишь одна сторона картины. Еще один, не менее значимый, параметр – это конверсии, приносимые трафиком.

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Как выбрать оффер для попандеров

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Popunder – формат рекламы, который характеризуется специфичностью. Особенность в том, что люди не ждут увидеть рекламный блок в моменте, не проявляют интереса. Вряд ли popunder побудит «холодных» пользователей бросить дела и осуществить оплату. По этой причине оптимальный вариант для popunder – простейшие предложения, которые требуют от пользователя минимальных действий. Например, попандеры побуждают юзеров к следующему:

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Доход от таких предложений будет невысоким. Однако, если правильно подойти к делу, можно компенсировать выплаты за оффер количеством. У popunder объемы трафика большие.

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Не забывайте о вертикалях, хорошо конвертирующих на popunder. Каждый год их перечень изменяется. В разных сетях рекламы есть свои тренды по популярным предложениям. Об этом рекомендуется узнать у менеджера сети рекламы. Он расскажет, какое предложение стоит использовать под трафик.

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Опробуйте доменный трафик. Он работает почти так же, как поп-реклама. Чтобы запустить его, необходима лишь посадочная страница. Однако трафик более «подогретый», показывает высокие результаты по конверсиям.

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Примеры попандеров

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С popunder легко работать, потому что не требуются баннеры и креативы. Воронка включает в себя посадочную страницу либо лендинг с прелендом. С учетом того, что множество сетей рекламы дают готовые посадочные страницы, обучаться арбитражникам рекомендуется на поп-рекламе. Опытные специалисты утверждают, что посадочные страницы стоит делать самостоятельно. В таком случае доход будет выше. Лучше прочих popunder показывает себя при работе с офферами, которые связаны с ВПН, программами.

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Отношение посетителей и поисковиков

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Большая часть людей закрывают всплывающую страничку с рекламной информацией, не ознакомившись с ее содержимым. Зачастую баннеры раздражают пользователей, потому активно применяются сервисы, блокирующие их.

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В 2009 г. Yandex стал выявлять ресурсы, которые используют попандеры. К ресурсам могут применить санкционные меры, к примеру, понизить позиции в выдаче либо забанить. Баннеры советуют применять на ресурсах с новостями, в подразделах со скидочными предложениями, промоакциями, бесплатными офферами. Тема рекламы должна быть сопряжена с предпочтениями целевой аудитории.

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Сегодня то, насколько будут эффективны попандеры, зависит от используемой тематики публикаций, настроек. Опытному человеку popunder даст прибыль. Неопытный вебмастер рискует столкнуться с фильтрами поисковиков, попасть под санкции.

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Про сервис Пампаду

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Платформа Pampadu подходит для страховых агентов, брокеров, кураторов. Они выполняют продажу страховок, занимаются развитием сетей в российских регионах. Также платформа подходит для тех, кто ищет дополнительный доход. На сайте можно найти временную или постоянную работу с выплатами. Например, можно стать партнером банковской организации. За каждую кредитку, которую оформил клиент, партнер банковской организации получит определенную денежную сумму на свой счет.

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Также платформа подходит для бизнеса любого масштаба. Платформа позволяет расширить перечень услуг и товаров для клиентов, получить новый источник прибыли. Еще сервис подходит web-мастерам, тем, кто занимается арбитражем. Доступна монетизация трафика посредством реферальных ссылок, виджетов, баннеров. Еще Pampadu используют владельцы блогов, инфлюенсеры. Им доступно получение заработка с любых продаж, которые были совершены по их рекомендациям.

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У арбитражников может возникать вопрос – брокерский трафик что это такое? Так называют трафик, используемый, по большей части, в вертикалях финансов. Специалист выполняет сбор лидов, отдает их рекламодателю, выступая посредником. От классического арбитража брокерский трафик отличен значимостью арбитражника. В обычном арбитраже специалист привлекает лиды на лендинг. В брокерском трафике арбитражник выполняет сбор информации о потенциальных клиентах самостоятельно.

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Такой трафик в CPA считается «сомнительным». Это обусловлено даже не риском фрода – апрувнуть фальшивые лиды нельзя. Проблема заключается в личной информации. В соответствии с законодательством, личную информацию причисляют к персональным сведениям, которые запрещено сообщать третьим лицам. Рекламодатель получает персональную информацию от тех, кто занимается арбитражем.

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Работая с подобным трафиком, необходимо подстраховаться, сделав пункт «Согласен на сбор персональных данных». Для безопасности от вероятных проблем интегрируйте запрос разрешения в скрипт операторов call-центра.

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Как лить брокерский трафик на финансовые офферы

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Такой трафик в финансовых вертикалях нередко относят к одному из основных источников. Алгоритм следующий:

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  1. Выбор партнерской программы. Это достаточно сложная процедура. Такой трафик допустим не везде. Учитывайте не только разрешенные виды трафика, но и иные моменты. Проверьте, какие существуют технические средства отправки информации в CPA-систему. API обеспечит оперативную передачу данных. Определите, существует ли и как работает call-центр под соответствующие геолокации. От этого зависит, «отработают» ли отправленные лиды. Бесплатно доступные сертификаты SSL пригодятся лендингу. Форма онлайн консультанта, квиз-формы, шаблонные заявки также считаются преимуществом.
  2. Выбор предложения. В серьезных CPA-сетях сортируют предложения по типу принимаемого трафика. Если сортировать нельзя, подберите оптимальные офферы по иным параметрам, изучите условия. Учитывайте привлекательность оффера для клиента. Подумайте, захотят ли пользователи оформлять заявки на услугу. Проверьте, какие готовые промо материалы есть. Изучите условия по целевой аудитории, геолокации. Как раз в случае с брокерским трафиком часто забывают о портрете целевой аудитории. В России и Украине могут быть проблемы и с геолокацией. Существует несколько областей, откуда заявки не учитываются. Учитывайте долю апрува. В финансовых вертикалях она гораздо меньше, чем, к примеру, в товарных. Хороший показатель – это минимум 20%.
  3. Выбор источника трафика. К лучшим источникам относят социальные сети Tik Tok, Instagram, Facebook. Лить с них сложно, потому рекламировать вертикали финансов там нельзя. Однако целевой аудитории там много. Кроме того, для нее характерна платежеспособность.
  4. Еще один вариант – квиз-ленд. Квиз-формы упрощают сбор информации о потенциальных клиентах. Сделайте форму согласия на сбор личной информации. Квиз-ленд можно разработать за 20-30 мин посредством Tilda, Marquiz, иных конструкторов.
  5. Используйте прилки, необязательно с уклоном в финансы. Регистрируясь, человек указывает информацию: телефонный номер, электронную почту. Это позволяет формировать базу.
  6. Сделайте call-центр. Операторы станут обзванивать людей, входящих в клиентскую базу. Заполнение заявок выполняется на лендинге предложения. Вариант потребует потратиться на создание call-центра, однако результат способен компенсировать расходы. Сегодня даже не нужно брать в аренду офисное помещение. Виртуальная телефония доступна даже при маленьком бюджете.
  7. Используйте доски объявлений. Это бесплатно доступный источник брокерского трафика. Необязательно размещать публикации под финансовые вертикали. Набирайте людей на вакансию, а затем отправляйте информацию о них рекламодателю.
  8. Сочетайте схемы. Опубликуйте объявление с вакансией на Avito, выполните сбор информации о пользователях. Выполните обзвон посредством call-центра. Все зависит от креативности.
  9. Передача информации, ожидание апрува. При использовании API информация о пользователях сразу поступает в базу рекламодателя. Если API отсутствует, передача подготовленных баз выполняется иным методом. Затем начинает работать call-центр. Сотрудники выполняют обзвон контактов. Остается подождать, пока лиды не будут подтверждены, получить доход.
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Офферы под брокерский трафик на Пампаду

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Pampadu – это сервис для агентов, бизнеса, web-мастеров. Здесь люди зарабатывают, продавая страховки, банковские продукты. Платформа подойдет и тем, кому нужны предложения под брокерский трафик.

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Брокерский трафик даже в вертикали финансов разрешен далеко не всеми рекламодателями. Внимательно изучите условия предложения перед тем, как лить трафик. Подберите предложение так, чтобы оно заинтересовало людей. Кроме того, оффер должен мотивировать оформить заявку на услугу.

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Партнерские программы на Pampadu предлагают немало вариантов для тех, кому необходимы офферы под брокерский трафик. Популярный вариант – дебетовые карточки, кредитки с бонусами наподобие бесплатного обслуживания, кешбэком. Это одни из популярнейших продуктов банков. Комиссионные за оформление карточки не такие большие, как за подтверждение кредита и ипотечный заем. Однако процент подтверждения по карточкам гораздо выше.

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Еще один популярный вариант – микрокредиты. Партнерские программы микрофинансовых организаций лояльно относятся к брокерскому трафику. Также стоит рассмотреть кредиты. Это прибыльные офферы, однако не такие быстрые, как карточки. Решиться на оформление большого кредита многим сложно. Кроме того, далеко не каждый человек соответствует банковским требованиям по минимально необходимому заработку. Зарабатывать на микрокредитах гораздо легче.

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Еще стоит рассмотреть создание расчетного счета, иные услуги для ИП и ООО. Здесь привлекать лиды труднее, потому что компании обычно обращаются непосредственно в банковскую организацию.

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Если говорить о доступных на Pampadu офферах, то один из лучших вариантов – «Быстроденьги – Заем под залог ПТС». За каждый оформленный микрозайм партнер получает от 2535 до 8453 руб. Среднее время оплаты – 1 мес., показатель подтверждения равен 17%.

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Еще один вариант – оффер «Webbankir – Выдача». Партнер получает 3555 руб. за каждый оформленный микрозайм. Доход не поступает, если микрозайм погашается в течение 8 суток после выдачи.

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Также брокерский трафик разрешен в оффере «LIME – микрозаймы». Партнер получает 3199 руб. за каждый оформленный микрокредит. Микрофинансовая организация LIME включена в топ популярнейших МФО России. Новым заемщикам микрозаймы выдают на короткий срок, тогда как постоянным клиентам доступны большие суммы с минимальными требованиями. Как и многие другие МФО, LIME стала работать полностью дистанционно. Это обеспечивает возможность подачи заявки и получения необходимой суммы через сайт.

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Большое количество офферов позволяет подобрать лучший вариант для заработка на привлечении клиентов.  Брокерский трафик специфичен, поэтому его запрещают использовать банковские организации. Однако микрофинансовые организации лояльно относятся к брокерскому трафику, позволяют применять его для привлечения заемщиков. При этом за привлечение клиентов в МФО партнер компании получает доход, который не хуже заработка на партнерках банков. Также стоит отметить, что побудить человека оформить микрозайм гораздо проще, чем взять крупный кредит или тем более оформить ипотеку. Изучите раздел «Типы трафика» в оффере перед тем, как лить трафик.

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Пампаду – это бесплатно доступная интернет-площадка, где агенты, брокеры, предприниматели, web-мастера зарабатывают на продаже и оформлении страховок, банковских продуктов, выполнении целевых действий. Страховщики и банки предоставляют за это комиссионное вознаграждение. У Почта Банк партнерская программа позволяет получать неплохой доход. 

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Офферы партнерки Почта Банка на Пампаду

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Почта Банк представляет собой универсальный розничный банк, который создала в 2016 г. группа ВТБ и Почты России на основе Лето Банка. Основная цель организации – сделать финансовые услуги доступными для россиян. Компания занимается развитием крупной региональной сети на основе почт. Это даст возможность основным финансовым услугам проникнуть во все российские регионы. 

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Партнерская программа Почта Банка предусматривает выдачу комиссионных за клиентов, оформивших кредит наличными. Он позволяет получить большую сумму кредитных денег от банковской организации с маленькими процентами на продолжительный период. 

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Кредит наличными выдается Почта Банком на таких условиях: 

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К клиентам, желающим получить кредит наличными, выдвигают такие требования: 

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Партнер может работать с гражданами в любых российских регионах, за исключением следующих: 

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Ограничения обусловлены отсутствием филиалов банка в указанных регионах. 

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Запрещено применять наименования банка в рекламных публикациях. При выявлении подобного трафика банк имеет право на списание даже тех конверсий, которые получили допустимым способом. Также партнера отключают от оффера. Еще запрещено применять мотивированный трафик, при котором партнер предлагает заемщику процент от комиссионных за оформление кредита. 

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Рекомендации для участников партнерской программы Почта Банка

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Банк провел анализ, позволивший определить, какие займы чаще всего одобряют. Чаще всего выдают кредиты на 300, 400, 500, 700 тыс. руб. Кроме того, было установлено, что при публикации офферов с таргетингом на столицу и СПб, а также населенные пункты с населением более 800 000 граждан, процент был более высоким, чем у других городов. Желательно осуществлять продвижение оффера в обозначенных городах, делая упор на указанные суммы. Это даст возможность максимизировать заработок на оффере. 

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Также для успешного продвижения учитывайте рекомендации: 

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Банк не выдает кредиты наличными индивидуальным предпринимателям, самозанятым. 

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Разрешены такие типы трафика: 

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Запрещается продвигать банковский продукт в сервисах Meta. Также нельзя создавать доверие, упоминая бренд. Еще запрещены такие типы трафика: 

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При работе с оффером необходимо учитывать минус-слова. К ним относятся «почтобанк», «банк почта России», «карта элемент» и другие слова, полный перечень которых приведен в условиях оффера. 

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Сколько можно заработать на партнерке Почта Банка

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Банк предлагает 7130 руб. за каждый оформленный кредит наличностью. Среднее время зачисления комиссионных – 30 суток. Соотношение числа отправленных заявок к подтвержденным равно 3%. Если заемщик в течение прошлого месяца подавал заявку на заем, то новая учитываться не будет. Оформление иных продуктов по первичной заявке на заем не учитывается. Партнерка позволяет неплохо зарабатывать. Например, 30 подтвержденных заявок за месяц принесут агенту более 200 000 руб. дохода. 

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Агент получает реферальную ссылку для кредита наличными в личном кабинете. В ссылку вшит идентификатор пользователя на площадке Pampadu. Изменять ссылку нельзя. В противном случае партнер рискует потерять конверсию, даже если заемщик оформил заем. Партнер отсылает ссылку заемщику. После этого клиент подает заявку на получение кредита наличными через банковский сайт. 

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При работе с заявками необходимо учитывать следующее: 

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Выплаты предоставляются ежемесячно. Комиссионные за прошлый месяц поступают с 5-го по 15-е число. Банк вправе отказать в предоставлении вознаграждения либо списать конверсии с партнера за применение типов трафика, которые запрещены. Ежемесячно в личном кабинете Pampadu обновляют банковские выгрузки с промежуточными показателями. Обратитесь в чат Пампаду, чтобы получить информацию о статусе оформлений по ссылкам после 15-го числа каждого месяца. 

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Плюсы и минусы партнерской программы Почта Банка

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Выделяют такие преимущества партнерки: 

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К минусам относят то, что кредит наличными выдается на большую сумму. Не каждому заемщику нужна такая крупная сумма. 

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Как подключиться к партнерке Почта Банка

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Для подключения партнерки сначала найдите соответствующий оффер. После этого: 

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  1. Кликните по кнопке копирования ссылки. 
  2. Отправьте ссылку заемщику. Воспользуйтесь ссылкой для монетизации трафика. 
  3. Дождитесь, пока заемщик оформит кредит наличными. 
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Партнерские программы на Пампаду

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На Pampadu есть много партнерок банков, страховых компаний. Каждый, кто хочет зарабатывать, найдет подходящий для себя вариант. В личном кабинете есть статистика по работе с офферами. 

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Регистрация на платформе для работы с партнерскими программами занимает минимальное количество времени. Зарегистрировавшись, пользователь ознакомится с офферами, выберет подходящий вариант. Главное – применять только разрешенные типы трафика. В противном случае комиссионные не будут выданы, а оффер отключат. 

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Кликандер это вид pop-рекламы. Существуют и другие типы. Внешне они одинаковые – посадочная страница с оффером. Изменяется место, механика показа. Кроме clickunder, существуют popunder, popup. То, как будет отображена pop-реклама на сайте, определяется по настройкам JavaScript.

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Отличия кликандера от попандера и попапа

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Попандер и кликандер – почти одно и то же. Различие заключается в том, что первый показывается под страницей автоматически. Clickunder отображается после нажатия на часть сайта. Зачастую их не отделяют друг от друга, называя общим словом popunder.

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Еще в pop-рекламе существует popup. Новая страница показывается над той, которую смотрит человек. Эта реклама раздражает, так как препятствует просмотру интересного человеку контента. Clickunder или popunder характеризуются меньшей навязчивостью, нежели popup. Человек может не сразу увидеть, что под вкладкой доступна еще одна, и посмотрит рекламу, когда завершит собственные дела.

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Чтобы маркетинговая кампания давала лиды, учитывайте следующее:

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  1. Категории платформ. К примеру, для вертикали «Плагины» выбирайте такие категории площадок, где что-либо загружают. Например, человек перешел на платформу с торрентами, кликнул по клавише скачивания, увидел кликандер, призывающий загрузить софт. Человек считает, что загружает торрент, однако в действительности устанавливает браузерный плагин.
  2. На посадочной странице должно быть небольшое количество текста, клавиша с призывом к действию. К примеру, для вертикалей свипстейков либо розыгрышей применяют преленд с таким известным гаджетом, как айфон.
  3. Если прогрузка страницы будет долгой, у человека не хватит терпения, так как он не давал согласия на получение рекламы. По этой причине позаботьтесь о моментальной загрузке прелендов и лендинговых страниц.
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Чтобы лендинговые и прелендинговые страницы быстро загружались, помните о таких рекомендациях:

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  1. Выполняйте сжатие изображений без снижения качества посредством TinyPNG.
  2. Применяйте «ленивую «загрузку. Пока изображения грузятся, лендинг тормозит. Чтобы предотвратить это, используйте атрибут «loading» со значением «lazy» в теге «img». В таком случае картинки будут грузиться не сразу, а при скроллинге.
  3. Приобретите быстрый хостинг для посадочной страницы.
  4. Чтобы не запутаться в большом количестве информации, применяйте трекер. Трекер позволит выполнять анализ трафика, фильтрацию ботов, составление черных и белых списков для оптимизации кампаний.
  5. Чем больше трафика, тем лучше. Крупнейшие сети, например, «Кадам», обеспечивают 120 млн переходов за день в регионах планеты.
  6. Следите за качеством трафика. Если в сети рекламы много трафика от ботов, существует риск слива бюджета, отсутствия нужных конверсий. Сетка рекламы должна регулировать это. Например, «Кадам» применяет многофакторную систему, позволяющую контролировать качество трафика.
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Преимущества кликандеров

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Clickunder рекламу называют топовым форматом для того, чтобы обучать партнерскому маркетингу. Его легко использовать. Плюсы clickunder таковы:

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  1. Невысокая цена, крупные объемы кликандер трафика. Поп-трафик характеризуется небольшой ценой, крупными объемами трафика. Это вариант для тех, кто желает опробовать аффилейт-маркетинг.
  2. Нет необходимости думать о креативах. Чтобы получить много clickunder трафика, нужна хорошая посадочная страница. Это позволит быстрее выйти на конверсию, так как нет креатива, с которого пользователь заходит на прелендинг либо лендинг. Это означает уменьшенное количество компонентов для проверки, легкое нахождение связки для конвертации лидов.
  3. Лояльность модерации. Pop-трафик характеризуется меньшей привередливостью, если сравнить, к примеру, с трафиком из «Фейсбука» либо от контекстной рекламы. Он позволяет выполнять запуск множества кампаний, которые не одобрят «Фейсбук» и «Инстаграм». Можно не беспокоиться, что профили будут забанены.
  4. Адаптация pop-рекламы под устройства. За долгие годы существования pop-рекламу адаптировали под любые устройства. ПК, нетбуки, планшеты, смартфоны – это дает возможность отыскать аудиторию под предложение.
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Недостатки кликандера

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Как и другой тип рекламы, clickunder имеет недостатки. Минус – «холодная» аудитория. Человеку неинтересна показываемая реклама. Позаботьтесь о правильном оформлении посадочной страницы. В таком случае посыл и предложение будут считаны моментально, пока пользователь не вышел с сайта.

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Еще к минусам относят наличие трафика от ботов. В поступающем от pop-рекламы трафике существуют боты. Их меньше, чем в прошлые годы, но они по-прежнему есть. Рекламные сетки осуществляют фильтрацию фрода. К примеру, в «РичАдс» для этого применяют как внутренние фильтры, так и «Адскор».

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Вертикали под clickunder

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Предложения для clickunder и popunder связаны одной логикой. Используйте предложение с несложным действием: загрузка, указание электронной почты, подписка. Нужно, чтобы возможный лид принял моментальное решение. По этой причине посредством clickunder трудно осуществлять продвижение предложений, где необходимо заплатить. В особенности это актуально, если речь идет не о символичной плате.

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У любой сети рекламы существуют собственные ниши-фавориты. В таких нишах поступающий от clickunder и попандера трафик будет высоким. Например, в летний сезон 2021 г. в «РичАдс» на clickunder лучше прочих работали программы, ВПН, криптовалюта.

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Clickunder для финансовой вертикали – почему нельзя

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Основная причина, почему использовать кликандеры в финансовых вертикалях нельзя – это особенность рекламного формата. Тем, кто поставляет финансовые продукты, нужно, чтобы пользователь совершил оплату или заполнил заявку. Clickunder, как было сказано выше, лучше подходит для простых действий.

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Сфера применения

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Лучшие вертикали для работы с кликандерами таковы:

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  1. Софт для смартфонов и планшетов. На прелендинге для ПО нужно показывать суть софта. За долю секунды человек должен разобраться, что за приложение перед ним, какие действия необходимо совершить. К примеру, можно показать изображение игры в покер и клавишу загрузки. Учитывая тип ПО, можно применять разные приемы для привлечения внимания людей. К примеру, часто встречаются надписи «Необходимо скачать программу для просмотра видеоролика».
  2. Свипстейки, розыгрыши. На прелендинг добавляют рулетку, подарочные боксы с оповещением о возможности выигрыша приза. К примеру, можно добавить уведомление о возможности получить iPhone. Кликнув по уведомлению, человек указывает информацию о себе.
  3. Новости, контент. На преленде размещается новость. Кроме того, применяют любой новостной контент различных категорий. Все зависит от того, где будет размещена реклама. Это могут быть «желтые» новости, информация о политике, спорте.
  4. Подписки на новостной контент, обновления. Когда человек заходит на страницу, показывается окно с подпиской на обновления. При нажатии «Разрешить» новости станут показываться в виде всплывающих push-уведомлений справа внизу экрана.
  5. Плагины, софт. На прелендах этой вертикали пишут, какую пользу получит человек после скачивания. К примеру, предложите бесплатно инсталлировать плагин, блокирующий рекламные вставки. Сделайте клавишу для выполнения целевого действия. Кнопка должна быть яркой, большого размера, привлекать к себе внимание пользователей.
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Платформа Пампаду

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Площадка Pampadu предусматривает много возможностей для заработка. Здесь доступны различные офферы для тех, кто хочет зарабатывать на привлечении клиентов в разные организации. Для каждого оффера предусмотрена информация о допустимом и запрещенном трафике. Чтобы просмотреть ее, откройте соответствующий раздел на странице оффера. Не используйте запрещенный трафик, чтобы избежать возникновения проблем. Например, если использовать запрещенный трафик при сотрудничестве с банком, продвигая кредитную карту, банковская организация отключит оффер. В результате партнер потеряет возможность заработка.

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\"\"
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Именно с РКО связана партнерская программа ЛОКО Банк. Она позволяет зарабатывать на привлечении клиентов к получению РКО в банковской организации. Клиентами выступают ИП, ООО.

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Офферы партнерки ЛОКО-Банка

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У предлагаемой ЛОКО Банком партнерской программы есть 1 оффер – РКО. Агент получает от 3500 руб. за каждый активный счет РКО, если клиент – индивидуальный предприниматель. Если клиент – организация, то комиссионные равны 6 тыс. руб.

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После создания счета клиент должен выполнить не меньше 3 транзакций на сумму от 30 тыс. руб. Операции должны быть выполнены в течение 90 дней. Средний срок зачисления дохода агенту – 3 мес. Соотношение числа отосланных заявок к подтвержденным равно 7.41%.

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17.04.2023 банк сделал доступным новый способ создания счета через российскую почту. РКО ориентировано на владельцев малого, среднего бизнеса. Тариф «НОЛЬ ПЯТЬ» доступен клиентам бесплатно.

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Условия таковы:

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РКО в банковской организации доступно юрлицам, индивидуальным предпринимателям. Если счет открывает организация, понадобятся такие документы:

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Условия партнерской программы ЛОКО-Банк

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РКО представляет собой расчетный счет для бизнеса. Он необходим любым ИП и ООО, планирующим заниматься предпринимательством. Следовательно, все продвижение нужно направлять на ИП и ООО.

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Правилами партнерки запрещено:

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Помните, что хороший клиент для банковской организации – это тот, кому РКО необходимо. Клиент должен внести средства на баланс и пользоваться счетом.

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Разрешены такие виды трафика:

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К запрещенным относят такие типы трафика:

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Пользуйтесь своей базой клиентов, чтобы находить заинтересованных лиц. Рассылайте реферальные ссылки в мессенджерах. Сделайте сообщество в соцсети, где станете осуществлять продвижение банковского продукта. Отправляйте приглашения ежедневно, чтобы увеличивать аудиторию. Чтобы пользователи подписывались на группу и были активными, добавляйте полезный контент. Например, публикуйте записи, связанные с:

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Поищите группы, связанные с финансами, в социальных сетях. Ищите живые сообщества, подписчики которых проявляют активность. Договоритесь с руководством паблика о размещении рекламных публикаций. Публикации должны быть короткими, но содержательными. Только так они привлекут внимание клиентов. Добавляйте к постам цепляющие изображения.

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Осуществите настройку таргетированной рекламы. Это сложный процесс, но результат весьма эффективен. Распространяйте ссылки в соцсетях, статьях, которые направлены на то, чтобы привлечь потенциальных клиентов.

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Преимущества и недостатки партнерки

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Плюс партнерской программы – это известность ЛОКО-Банка. Благодаря данному преимуществу агент может легко привлечь клиента к открытию расчетного счета. Предприниматели доверяют ЛОКО-Банку, поэтому часто становятся клиентами.

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Также к плюсам относят высокое вознаграждение за привлечение организаций. Привлекая организации к получению банковских услуг, которые связаны с РКО, агент ЛОКО-Банка хорошо зарабатывает. Еще один плюс – это высокий процент подтвержденных заявок.

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Недостаток партнерки – это невысокое вознаграждение за привлечение индивидуальных предпринимателей. Размер комиссионных за привлечение ИП мог бы быть побольше. Также к минусам относят большое количество видов запрещенного трафика.

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Как подключиться к партнерской программе

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Доступно 2 основных типа партнерок. Есть партнерские программы страховых компаний, предусматривающие выдачу вознаграждения за оформление полиса клиентом. Также есть партнерки банковских организаций – чтобы агент получил комиссионные, клиент должен оформить дебетовую карточку, кредитку, РКО, ипотеку или займ наличными.

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Главный плюс партнерских программ на Пампаду – это гарантированный доход за привлечение клиентов страховщикам, банкам. Также к преимуществам партнерок на Pampadu относят неплохие комиссионные.

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Для подключения к партнерке зарегистрируйтесь на Pampadu, выберите соответствующий оффер. После этого:

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  1. Нажмите на кнопку копирования ссылки.
  2. Отправьте ссылку клиенту.
  3. Подождите, пока по отправленной ссылке не будет оформлена заявка.
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В своем личном кабинете агент может проверить доход, число успешных продаж. Также доступен показатель среднего чека. Он позволяет узнать среднюю выплату за каждого привлеченного клиента.

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В личном кабинете доступен раздел «Отчеты». В этом разделе можно быстро отыскать и выгрузить сведения по числу ваших и субагентских соглашений, которые были оплачены. Предусмотрена сортировка информации по периоду, виду страховки, страховой фирме, ФИО субагента, источнику продаж. Отчетности представляют собой таблицы с суммированными параметрами в 1-й строчке. В следующих строчках приводятся сведения по каждому агенту.

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Еще в личном кабинете предусмотрен раздел «Выплаты». Там показываются начисления комиссионных. Агент может просмотреть их размер, актуальный статус. Еще один из доступных разделов – это «Агенты». Он полезен тем, кто занимается ведением сети агентов, увеличивая собственный заработок за месяц. Есть возможность добавления сотрудников, приглашения агентов, самостоятельного курирования их работы (включая предоставление комиссионных).

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RTB real time bidding – технология, позволяющая продавать показы рекламы в аукционном форме в режиме real time. Выполняется продажа не места для рекламы, а показа маркетинговой публикации человеку. РТБ что это? Технологию применяют для поиска целевой аудитории, привлечения людей релевантными публикациями.

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Чем RTB отличается от других технологий рекламы

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Технология real time bidding RTB предусматривает размещение на аукционе показа публикации человеку с конкретными интересами, ищущему сведения на сайте. Правильно настроив таргетинги, рекламодатель выходит на целевую аудиторию. RTB реклама не предусматривает фиксированной цены за показы публикаций. Расценки определяют рекламодатели. Победителем аукциона становится тот, кто дает высокую цену.

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Как работает РТБ

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RTB аукцион предусматривает 3 участников:

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  1. RTB-сеть, организующая аукцион.
  2. Сайты-продавцы, предлагающие места, где размещают публикации. Для участия в торгах сайт выполняет подключение к SSP, установку кода. Посредством SSP платформы размещают на аукционе места под рекламу, автоматически выполняют продажу показов.
  3. Сети, размещающие рекламные публикации. Они приобретают показы для рекламодателей. Сети выполняют сбор ставок, креативов рекламодателей. В торгах принимают участие несколько сетей. К каждой из них подключается много рекламодателей.
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Аукцион проходит так:

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  1. Переход пользователя на платформу издателя, подключенную к SSP.
  2. Отправка сайтом запроса о готовности к показу рекламных публикаций. Платформа отправляет описание страницы, формат публикации. Кроме того, передается обезличенная информация о пользователе. К ней относят историю запросов, локацию, демографические и социальные параметры. Если необходимо, SSP выполняет докупку дополнительных сведений о пользователях сайтов у DMP.
  3. Сбор SSP информации о посетителе, формирование лота для продажи на торгах. Выполняется отправка лота DSP.
  4. Совершение ставок на лот рекламодателями, для которых посетитель считается целевым.
  5. Выбор SSP ставки, определение победителя аукциона, показ публикации пользователю.
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RTB технология предусматривает демонстрацию публикации не по максимальной ставке, а по цене, предложенной прошлым рекламодателем. Работает алгоритм «аукциона 2-й цены». К примеру, если на аукционе 3 участника предложили 500, 600, 700 руб., победителем признают того, кто предложил 700 руб. При этом за демонстрацию публикации будет заплачено 600 руб.

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Платформы, которые продают рекламу, определяют минимально допустимое значение цены показа. Если ни одна ставка не превысит установленный лимит, то ни одна DSP не победит. В подобной ситуации место под публикацию будет пустовать либо там станет отображаться реклама площадки. Хоть алгоритм аукционов и выглядит затянутым, торги занимают меньше секунды, то есть пока загружается сайт.

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Правила RTB

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Чтобы RTB маркетинг был успешным, учитывайте правила:

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  1. Чтобы запустить кампанию, рекламодатели должны иметь представление о портрете целевой аудитории, позаботиться о правильной настройке таргетингов, которых немало. К таргетингам причисляют половую принадлежность, возрастную категорию, геолокацию. Также имеют значение заработок, предпочтения, устройства.
  2. Элементы RTB в интернете должны срабатывать за минимальный срок. По этой причине важна инфраструктура поставщиков.
  3. Сеть рекламы должна обеспечить быструю передачу RTB кода, отправляющего информацию, запрашивающего баннер.
  4. Реклама показывает эффективность, когда есть возможность сбора максимума характеристик, связанных с поведением, предпочтениями посетителя. RTB должна уметь не только предоставлять информацию, но и, если необходимо, получать ее на биржах, агрегаторах.
  5. Сервер сети должен выполнять агрегацию сведений о пользователях, выставление лота тем, кто участвует в торгах.
  6. Рекламодатели должны позаботиться о выставлении ставок за демонстрацию баннерной рекламы человеку.
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Форматы рекламы RTB

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В сфере интернет-рекламы существуют разные сервисы. Крупнейшие площадки – у Yandex, «Гугл», ВК. Участвовать в торгах могут различные виды баннерной рекламы и публикаций. К примеру, Yandex предлагает 4 вида рекламы для демонстрации в блоке RTB:

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  1. Медийная – делает бренд либо товар узнаваемыми. К медийному типу причисляют графические публикации, smart-баннеры. Последние – это карточки продуктов с фотографиями, расценками, описанием. Они адаптируются под пользователя.
  2. Стандартная – графическо-текстовые публикации, дизайн которых разрабатывается автоматически. Блок адаптируется под размер места под рекламу на площадке. Публикации дополняют компонентами: быстрыми ссылками, кнопками CTA.
  3. Нативная – обеспечивает адаптацию графическо-текстовых публикаций под сайт. Владелец ресурса при нативном формате сам устанавливает набор компонентов, которые будут присутствовать в публикации. Владелец выбирает заголовок, картинку, текстовое наполнение. Чтобы дизайн публикации сочетался с внешним видом ресурса, применяют настройки CSS, HTML.
  4. Видеореклама – небольшие видео с автоматической адаптацией к размеру блока с рекламой на сайте.
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Преимущества RTB-рекламы

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Такой формат заключает в себе выгоду для участников. Владельцы ресурсов, используя RTB платформы, обеспечивают себе выгодную продажу каждого рекламного показа. Пользователи просматривают релевантные публикации, баннерную рекламу.

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Больше плюсов от применения RTB получают рекламодатели. RTB обеспечивает:

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RTB предусматривает низкий порог входа. Выполнять запуск маркетинговых кампаний могут рекламодатели даже с маленьким бюджетом.

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RTB в арбитраже

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Существуют разные методы выбора выигрышной ставки. Можно проанализировать рынок, проконсультироваться с менеджером, подобрать лучший вариант, начать отслеживать винрейт. Еще используют предиктор. Функция предусмотрена в «РичАрдс». Она создает прогнозы количества трафика по таргетингу (геолокация, устройство, дополнительные настройки), помогает в подборе оптимальной ставки для маркетинговой кампании. Прогнозы создаются на базе статистики за предыдущие сутки. Предиктор позволяет не ошибиться с бидом, определить точное количество доступного трафика под геолокацию и таргетинг.

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Офферы в финансовой вертикали

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Элементы вертикали: МФО, банковские организации, страховые фирмы, монопродукты. В рамках финансовой вертикали предлагают такие продукты, как кредитные карты, дебетовые карточки, РКО, микрозаймы. В арбитраже трафика помогают партнерские сети. Сервис Pampadu позволяет получать доход посредством перечисленных инструментов.

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Если гемблинг вертикали существуют, пока профиль арбитражника не будет забанен, то в сфере финансов все зависит от вас. Чтобы не попасть в ЧС, используйте финансовую вертикаль, не накручивая трафик. Выполняйте продвижение разрешенными методами.

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Получать доход от арбитража возможно, однако для этого понадобится подобрать фирмы, начать заливать на них трафик. Понадобится определить, кто является целевой аудиторией – это даст возможность создать правильную маркетинговую кампанию, получить доход в будущем. Эффективное продвижение позволяет донести до пользователей важную информацию о продукте.

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Платформа Пампаду

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Сервис Pampadu оптимален для тех, кто хочет зарабатывать на арбитраже трафика. Платформа предлагает большое количество инструментов для тех, кто выполняет продвижение. Также на платформе предусмотрены другие способы заработка. Зарабатывайте, продавая страховые продукты, банковские услуги, находя покупателей на недвижимое имущество. Начисленный доход сразу доступен для использования. Точные условия сотрудничества зависят от конкретной организации, с которой вы работаете.

\n', 'RTB-реклама: что это такое и как работает', 'У тех, кто занимается рекламой, может возникать вопрос – РТБ что это? RTB – методика, которая позволяет покупать и продавать интернет-рекламу, принимать участие в аукционе рекламодателям.\n', 'publish', 'open', 'open', '', 'rtb-reklama-chto-ehto-takoe-i-kak-rabotaet', '', '', '2023-05-26 10:20:04', '2023-05-26 10:20:04', '', 0, 'https://pampadu.ru/blog/?p=2773', 0, 'post', '', 0), (2774, 1, '2023-05-26 10:17:43', '2023-05-26 10:17:43', '', '1030х502-4 (2)', '', 'inherit', 'open', 'closed', '', '1030h502-4-2-2', '', '', '2023-05-26 10:17:43', '2023-05-26 10:17:43', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-4-2.jpg', 0, 'attachment', 'image/jpeg', 0), (2776, 13, '2023-05-26 11:54:44', '2023-05-26 11:54:44', '\n

На Пампаду можно застраховать любую ипотеку - с крупным остатком, в редком банке, на дом, с возрастным заемщиком, рефинансированием, а также застраховать титул!

Делимся примерами продаж и заработка наших агентов:

Страховая компания - Росгосстрах
Банк - Сбербанк
КВ - 56 202 руб.
Остаток кредита - 10 000 000 руб.
Титул и имущество

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Страховая компания - Ренессанс
Банк - Сбербанк
КВ - 16 117 руб.
Год рождения заемщика 1962
Жизнь

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Страховая компания - Ингосстрах
Банк - Инвестторгбанк
КВ - 4 899 руб.
Остаток кредита - 5 399 187 руб.
Жизнь и имущество

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Страховая компания - Ингосстрах
Банк - Альфа-банк
КВ - 6 227 руб.
Остаток кредита - 7 309 278 руб.
Жизнь и имущество, рефинансирование

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Страховая компания - Ингосстрах
Банк - ВТБ
КВ - 18 027 руб.
Остаток кредита - 26 400 000 руб.
Имущество, дом

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Оформить данные случаи можно при помощи менеджера Пампаду по ➡️ ИНСТРУКЦИИ.

? Комиссию начисляем на баланс каждый понедельник. Для начисления КВ по офлайн ипотеке, полис должен быть подписан клиентом.

❗️ При страховании частного дома, всегда требуется отчет об оценке (или же технический паспорт и актуальные фотографии). Чтобы при предварительном расчете стоимость не разнилась с точной, направляйте его по запросу менеджера при первом звонке. Это значительно ускорит обработку заявок!
Остальные необходимые документы собраны ЗДЕСЬ.

Если вы новичок в ипотечном страховании, для вас подготовили презентацию и обучающий вебинар

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Хороших продаж, команда Пампаду!

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Совсем недавно мы подвели итоги розыгрыша «Яблочного Джема»
Победители в номинации «Звезда Пампаду\" и «Сильный лидер» уже забрали свои призы

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Остальные подарки победителям будут направлены почтой.

Поздравляем тех, кто выиграл, а кто не смог принять участие, не расстраивайтесь, совсем скоро у нас будет объявлен новый розыгрыш, где каждый сможет поучаствовать и побороться за крутые подарки!

? Увеличивайте свой заработок и выигрывайте вместе с Пампаду!

\n', 'Пампаду раздает подарки', 'Участники розыгрышей на Пампаду получают свои подарки, на их месте может оказаться каждый из наших партнеров!', 'publish', 'open', 'open', '', 'pampadu-razdaet-podarki', '', '', '2023-05-29 10:07:07', '2023-05-29 10:07:07', '', 0, 'https://pampadu.ru/blog/?p=2786', 0, 'post', '', 0), (2787, 1, '2023-05-29 10:03:31', '2023-05-29 10:03:31', '', 'Foto-1', '', 'inherit', 'open', 'closed', '', 'foto-1', '', '', '2023-05-29 10:03:31', '2023-05-29 10:03:31', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/Foto-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2788, 1, '2023-05-29 10:03:52', '2023-05-29 10:03:52', '', 'Foto-2', '', 'inherit', 'open', 'closed', '', 'foto-2', '', '', '2023-05-29 10:03:52', '2023-05-29 10:03:52', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/Foto-2.jpg', 0, 'attachment', 'image/jpeg', 0), (2789, 1, '2023-05-29 10:05:06', '2023-05-29 10:05:06', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-52', '', '', '2023-05-29 10:05:06', '2023-05-29 10:05:06', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-8.jpg', 0, 'attachment', 'image/jpeg', 0), (2790, 1, '2023-05-29 10:06:53', '2023-05-29 10:06:53', '', 'Foto-2-1', '', 'inherit', 'open', 'closed', '', 'foto-2-1', '', '', '2023-05-29 10:06:53', '2023-05-29 10:06:53', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/Foto-2-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2793, 13, '2023-05-29 12:49:45', '2023-05-29 12:49:45', '\n

ИП и ООО сейчас получают деньги за 1 рабочий день после запроса и подтверждения акта в личном кабинете.
Всего после перехода на быстрые выплаты было оплачено 700 актов, каждый в срок менее недели!

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Инструкция по переходу в СТАТЬЕ.

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Ответы на частые вопросы по подключению быстрых выплат юр. лицам ЗДЕСЬ.

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Самозанятые и физ.лица получают выплаты моментально, в течение 1 минуты после запроса.

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❣️Заказывайте и выводите заработанное в любой момент, команда Пампаду!

\n', 'Быстрые выплаты на Пампаду в цифрах', 'Быстрые выплаты на Пампаду для всех! \nОзнакомиться подробнее в данной статье.\n', 'publish', 'open', 'open', '', 'bystrye-vyplaty-na-pampadu-v-tsifrah', '', '', '2023-05-29 12:49:45', '2023-05-29 12:49:45', '', 0, 'https://pampadu.ru/blog/?p=2793', 0, 'post', '', 0), (2794, 1, '2023-05-29 12:48:20', '2023-05-29 12:48:20', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-53', '', '', '2023-05-29 12:48:20', '2023-05-29 12:48:20', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-8.png', 0, 'attachment', 'image/png', 0), (2796, 13, '2023-05-30 11:07:42', '2023-05-30 11:07:42', '\n

HR продукты — это офферы по найму сотрудников и подбору персонала в компании.

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Месяц май был плодотворным, рассказываем какие изменения у нас произошли:
— Появилось + 28 офферов;
— Конверсии увеличились в 4 раза;
— Повысили ставки для партнеров.

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И это только за 30 дней HR вертикаль набирает большие обороты.

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⚡️Июнь станет еще большим открытием для всех веб-мастеров:

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— Эксклюзивные офферы;
— Работа с крупными брендами;
— Выплаты 2 раза в месяц.

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➡️ Подписывайтесь на канал и будьте в курсе актуальных новостей по банковским продуктам и HR-офферам.

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Начните зарабатывать на привлечении вместе с Пампаду!

\n', 'Зарабатывай дополнительно на HR продуктах!', 'Итоги мая по hr продуктам на Пампаду!\nначните зарабатывать на перспективном продукте вместе с нами!', 'publish', 'open', 'open', '', 'zarabatyvaj-dopolnitelno-na-hr-produktah', '', '', '2023-05-30 11:07:42', '2023-05-30 11:07:42', '', 0, 'https://pampadu.ru/blog/?p=2796', 0, 'post', '', 0), (2797, 1, '2023-05-30 11:06:34', '2023-05-30 11:06:34', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-54', '', '', '2023-05-30 11:06:34', '2023-05-30 11:06:34', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-9.png', 0, 'attachment', 'image/png', 0), (2799, 13, '2023-05-31 10:21:48', '2023-05-31 10:21:48', '\n

Дорогие агенты, очень часто от вас приходил вопрос в техническую поддержку о том, почему меняется статус по банковским продуктам, мы заинтересованы в разъяснении не меньше чем вы, поэтому рассказываем:

Когда вы совершили целевое действие по банковским продуктам, то статус переходит — в работе.
Конверсия появляется , если вы создали заявку, в течение 24 часа!
Важно понимать, что именно создать заявку, а не поделится ссылкой с клиентом.
После создания заявки в течение 24 часов появляется заявка со статусом в работе, также время зависит от банка как он быстро передаст информацию по данной сделке.

?По некоторым офферам статус меняется только во время сверки, поэтому ожидайте пожалуйста ближайшую сверку.
По времени оплаты:
— если время оплаты 60 дней, прошло 15 и сверка через 2 недели, то скорее всего конверсия будет оплачена не в эту сверку, а в следующую;
—В большинстве случаев, если целевое действие сделано с 1 по 25 число, то конверсия войдет в сверку, даже если срок оплаты указан 60 дней;
— Если с 25 по 31 то уже высока вероятность, что в другой отчетный период попадет.

❗️Коллеги, напоминаем, что обработка запросов на поиск конверсий происходит один раз в месяц в период сверки и в случае, если конверсии не будут найдены, по вашей заявке будет отправлен запрос в банк, обработка которого обычно занимает от 30 до 120 дней.
В зависимости от банка, сроки обработки запрос могут быть увеличены и к сожалению ускорить данный процесс не возможно.
Мы предоставим Вам ответ на почту, которую вы указали при заполнении формы на поиск конверсии при любом решении. Если вы не получили ответ, то запрос еще находится в работе.
Рекомендуем Вам ознакомиться со СТАТЬЕЙ, чтобы в будущем уменьшить вероятность возникновения подобных ситуаций.

?С заботой о вас, команда Пампаду!

\n', 'Смена статуса по банковским продуктам', 'Поделимся информацией о том, почему меняется статус по банковским продуктам и от чего это зависит.', 'publish', 'open', 'open', '', 'smena-statusa-po-bankovskim-produktam', '', '', '2023-05-31 10:21:48', '2023-05-31 10:21:48', '', 0, 'https://pampadu.ru/blog/?p=2799', 0, 'post', '', 0), (2800, 1, '2023-05-31 10:20:15', '2023-05-31 10:20:15', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-55', '', '', '2023-05-31 10:20:15', '2023-05-31 10:20:15', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/05/1030h502-10.jpg', 0, 'attachment', 'image/jpeg', 0), (2805, 13, '2023-06-01 09:04:16', '2023-06-01 09:04:16', '\n

? Привязка ОСАГО к машине или водителю?

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Расскажем сегодня об этой новости в канале Страховые продукты Пампаду.

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➡️ПОДПИСЫВАЙТЕСЬ

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Будьте в курсе актуальных новостей, вместе с нами!

\n', 'Полис ОСАГО могут отвязать от автомобиля и привязать к водителю', 'Сейчас автовладелец страхует свою ответственность перед другими лицами на конкретную машину. ОСАГО может обзавестись опцией привязки полиса не к машине, а к гражданину.', 'publish', 'open', 'open', '', 'polis-osago-mogut-otvyazat-ot-avtomobilya-i-privyazat-k-voditelyu', '', '', '2023-06-01 09:04:16', '2023-06-01 09:04:16', '', 0, 'https://pampadu.ru/blog/?p=2805', 0, 'post', '', 0), (2806, 1, '2023-06-01 09:04:01', '2023-06-01 09:04:01', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-56', '', '', '2023-06-01 09:04:01', '2023-06-01 09:04:01', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502.jpg', 0, 'attachment', 'image/jpeg', 0), (2808, 15, '2023-06-01 10:41:42', '2023-06-01 10:41:42', '\n

Если вы решили заняться риелторской деятельностью, вам будет необходимо встать на учет в ФНС как ИП или юридическая организация. В заявлении о постановке на учет потребуется указать код ОКВЭД своей деятельности. Но проблема заключается в том, что не существует единого установленного ОКВЭД для риелтора, и его нужно самостоятельно выбрать по классификатору.

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Сервис партнерских продаж Pampadu предлагает риелторам и агентам по недвижимости дополнительный заработок на продаже финансовых и страховых продуктов. Зарабатывать с нами можно даже без опыта и оформления юрлица – мы сотрудничаем с физическими лицами и самозанятыми. Но если решите оформить юридический статус, без указания ОКВЭД вам не обойтись.

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Что такое ОКВЭД и кому он необходим

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Под аббревиатурой ОКВЭД понимают Общероссийский классификатор видов экономической деятельности. Этот норматив определяет соответствие цифровых кодов их расшифровке.

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ОКВЭД упрощает процесс налогообложения и ведения статистики. Благодаря данным справочника становится понятно, какую налоговую ставку для какого вида деятельности нужно установить.

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Подбираем ОКВЭД агентских услуг

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Работа риелтора относится к посредническим услугам, поскольку он выступает посредником между продавцом и покупателем (или квартиросъемщиком и арендодателем). Код ОКВЭД для риелтора должен соответствовать основным видам деятельности, планируемой для агенства или ИП.

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Чтобы подобрать код, выберете по оглавлению классификатора подходящий по названию раздел. Найдите там необходимый подраздел. В подразделе изучите описание видов деятельности и выберете из них соответствующие.

\n\n\n\n

Какой код ОКВЭД для риелтора нужно указать? Используйте только коды, содержащие 4 и более знаков, разделенных точкой. Коды с меньшим числом цифр нельзя указывать в заявлении.

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При регистрации ИП риелтор подает в налоговую и второе заявление с указанием кода ОКВЭД – о переходе на НПД (налогообложение профессионального дохода) или УСН (упрощённую налоговую систему).

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Подборка кодов

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Риелторы, торговые и страховые агенты могут воспользоваться нашим готовым набором кодов ОКВЭД. Коды подходят как для регистрации ИП, так и для коммерческой организации:

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66.22 – Деятельность страховых агентов и брокеров.

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66.29 – Деятельность вспомогательная прочая в области страхования и пенсионного обеспечения.

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67.20 – Иная деятельность в области страхования.

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68.20 – Аренда и управление собственной или арендованной недвижимостью.

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68.31 – Деятельность агентств недвижимости на основе договора или за вознаграждение.

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68.32 – Управление недвижимостью за вознаграждение или на основе договора.

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82.99 – Административная деятельность и сопутствующие услуги.

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Приведенный список ОКВЭД актуален для риелтора в 2023 году. Версия классификатора ежегодно обновляется, в нее вносят изменения и дополнения.

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Пояснения и уточнения

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В блоге Пампаду публикуется много информации, полезной для риелторов и агентств по работе с недвижимостью. А став нашим партнером, риелтор может получать дополнительный заработок или даже увеличить общий доход в несколько раз! Например, вы можете предложить своим клиентам страхование имущества, покупаемого в ипотеку. Для этого станьте партнером Пампаду и получайте комиссионное вознаграждение за каждый выданный полис.

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Если вы решили заняться риелторской деятельностью, вам будет необходимо встать на учет в ФНС как ИП или юридическая организация. В заявлении о постановке на учет потребуется указать код ОКВЭД своей деятельности. Но проблема заключается в том, что не существует единого установленного ОКВЭД для риелтора, и его нужно самостоятельно выбрать по классификатору.

\n\n\n\n

Сервис партнерских продаж Pampadu предлагает риелторам и агентам по недвижимости дополнительный заработок на продаже финансовых и страховых продуктов. Зарабатывать с нами можно даже без опыта и оформления юрлица – мы сотрудничаем с физическими лицами и самозанятыми. Но если решите оформить юридический статус, без указания ОКВЭД вам не обойтись.

\n\n\n\n

Что такое ОКВЭД и кому он необходим

\n\n\n\n

Под аббревиатурой ОКВЭД понимают Общероссийский классификатор видов экономической деятельности. Этот норматив определяет соответствие цифровых кодов их расшифровке.

\n\n\n\n

ОКВЭД упрощает процесс налогообложения и ведения статистики. Благодаря данным справочника становится понятно, какую налоговую ставку для какого вида деятельности нужно установить.

\n\n\n\n

Подбираем ОКВЭД агентских услуг

\n\n\n\n

Работа риелтора относится к посредническим услугам, поскольку он выступает посредником между продавцом и покупателем (или квартиросъемщиком и арендодателем). Код ОКВЭД для риелтора должен соответствовать основным видам деятельности, планируемой для агенства или ИП.

\n\n\n\n

Чтобы подобрать код, выберете по оглавлению классификатора подходящий по названию раздел. Найдите там необходимый подраздел. В подразделе изучите описание видов деятельности и выберете из них соответствующие.

\n\n\n\n

Какой код ОКВЭД для риелтора нужно указать? Используйте только коды, содержащие 4 и более знаков, разделенных точкой. Коды с меньшим числом цифр нельзя указывать в заявлении.

\n\n\n\n

При регистрации ИП риелтор подает в налоговую и второе заявление с указанием кода ОКВЭД – о переходе на НПД (налогообложение профессионального дохода) или УСН (упрощённую налоговую систему).

\n\n\n\n

Подборка кодов

\n\n\n\n

Риелторы, торговые и страховые агенты могут воспользоваться нашим готовым набором кодов ОКВЭД. Коды подходят как для регистрации ИП, так и для коммерческой организации:

\n\n\n\n

66.22 – Деятельность страховых агентов и брокеров.

\n\n\n\n

66.29 – Деятельность вспомогательная прочая в области страхования и пенсионного обеспечения.

\n\n\n\n

67.20 – Иная деятельность в области страхования.

\n\n\n\n

68.20 – Аренда и управление собственной или арендованной недвижимостью.

\n\n\n\n

68.31 – Деятельность агентств недвижимости на основе договора или за вознаграждение.

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68.32 – Управление недвижимостью за вознаграждение или на основе договора.

\n\n\n\n

82.99 – Административная деятельность и сопутствующие услуги.

\n\n\n\n

Приведенный список ОКВЭД актуален для риелтора в 2023 году. Версия классификатора ежегодно обновляется, в нее вносят изменения и дополнения.

\n\n\n\n

Пояснения и уточнения

\n\n\n\n\n\n\n\n

В блоге Пампаду публикуется много информации, полезной для риелторов и агентств по работе с недвижимостью. А став нашим партнером, риелтор может получать дополнительный заработок или даже увеличить общий доход в несколько раз! Например, вы можете предложить своим клиентам страхование имущества, покупаемого в ипотеку. Для этого станьте партнером Пампаду и получайте комиссионное вознаграждение за каждый выданный полис.

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Помогаем страховать ипотеку в разных случаях – найдем предложение для возрастных заемщиков или старого жилого фонда. Полис, оформленный через наш сервис, выходит дешевле, чем в банке на 20-40 %. Пампаду постоянно дорабатывает и улучшает свои продукты, чтобы обеспечивать выгодные условия сотрудничества.

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Помогаем страховать ипотеку в разных случаях – найдем предложение для возрастных заемщиков или старого жилого фонда. Полис, оформленный через наш сервис, выходит дешевле, чем в банке на 20-40 %. Пампаду постоянно дорабатывает и улучшает свои продукты, чтобы обеспечивать выгодные условия сотрудничества.

\n', 'Коды ОКВЭД для услуг риэлтора', 'Какую роль играет ОКВЭД для риелтора и как его определить? Вы узнаете об этом, прочитав нашу новую статью. Мы поможем с выбором кода ОКВЭД и поясним детали.', 'publish', 'open', 'open', '', 'kody-okved-dlya-uslug-rieltora', '', '', '2023-06-01 10:41:42', '2023-06-01 10:41:42', '', 0, 'https://pampadu.ru/blog/?p=2808', 0, 'post', '', 0), (2809, 1, '2023-06-01 09:55:48', '2023-06-01 09:55:48', '', '1030х502 (4)', '', 'inherit', 'open', 'closed', '', '1030h502-4-15', '', '', '2023-06-01 09:55:48', '2023-06-01 09:55:48', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-4.jpg', 0, 'attachment', 'image/jpeg', 0), (2810, 1, '2023-06-01 09:58:52', '2023-06-01 09:58:52', '', '1685087786558 (1)', '', 'inherit', 'open', 'closed', '', '1685087786558-1', '', '', '2023-06-01 09:58:52', '2023-06-01 09:58:52', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1685087786558-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2811, 13, '2023-06-01 11:44:23', '2023-06-01 11:44:23', '\n

Привет, коллеги!

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Лето уже наступило, и как ранее говорили, мы меняем подход к продвижению и тратим больше на бонусы агентам и увеличенное вознаграждение, вместо прямой рекламы!

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Поэтому запускаем по настоящему жаркую акцию, которая поможет вам заработать на ОСАГО и страховании ипотеки больше чем, в любом другом месте!

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Продавай в июне больше, чем мае и получи дополнительные бонусы на счет в личном кабинете или возможность выиграть ценные призы от Пампаду.ру!

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Условия участия:

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?ОСАГО

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Оформи полисов ОСАГО больше, чем в прошлом месяце и получи дополнительно 100 рублей за каждый полис по СК: МАКС и РОСГОССТРАХ на Пампаду.ру

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В акции участвуют СК: Росгосстрах, МАКС.
В акции не учитываются для расчёта полисы с 0 кв.

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Бонус будет начислен, если продать один полис МАКС и два РГС, или три полиса СК МАКС, все варианты подходят.

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За расчет берутся страховые полисы ОСАГО всех СК за период с 1 по 31 мая.
Бонус выплачивается только за полисы от СК Росгосстрах и МАКС, если вы сделали больше продаж чем в прошлом месяце.

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Например: Агент Иванов Иван Иванович оформил с 1 по 31 мая 40 полисов ОСАГО по всем СК. С 1июня по 30 июня, Иван Иванович оформил 55 полисов по всем СК, из них 5 полисов по СК Росгосстрах и МАКС. Он получит 500 рублей бонусом.

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?Ипотека

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Оформляйте в период с 01.06.23 по 30.06.22 (июнь) на 3, 5, 10 или даже 20 полисов больше, чем за период 01.05.23 по 31.05.23 (май).

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на 3 полиса больше = +1400 рублей;
на 5 полисов больше = +2000 рублей;
на 10 полисов больше = +4000 рублей;
на 20 полисов больше = +8000 рублей.

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?И среди всех кто больше всего оформит полисов ипотечного страхования разыгрываем 3 телефона.

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1 место — смартфон Xiaomi;
2 место — смартфон Honor;
3 место — смартфон Meizu.

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Также мы продолжаем повышать КВ до 60% на ипотечное страхование до конца июля!!!

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?Отличная возможность поучаствовать в акции и повысить свой доход на продаже ипотечных полисов.

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Если вы выполните условия по нескольким продуктам, то ваше вознаграждение будет суммировано.
В рамках одного продукта бонус начисляется только один раз. Учитываются только полисы свыше 3 000 рублей по ипотеке.

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❗️Пользователи, зарегистрировавшиеся в июне 2023, в акции не участвуют.

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Подведение итогов.

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Срок действия акции — с 01.06.23 по 30.06.23.
Подведение итогов состоится 03.07.23.
Результаты мы опубликуем в нашем Телеграм-канале 03.07.23.
Бонусы на баланс личного кабинета участников акции будут начислены с 10.07.23 по 17.07.23

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?Желаем удачи и хороших продаж!
С любовью к своему делу,
Команда Пампаду!

\n', '☀️ Новая акция на Пампаду! Заработай на ОСАГО и страховании ипотеки!', 'Запустили по настоящему жаркую акцию, которая поможет вам заработать на ОСАГО и страховании ипотеки!\nС условиям можно ознакомиться в данной статье.', 'publish', 'open', 'open', '', 'novaya-aktsiya-na-pampadu-zarabotaj-na-osago-i-strahovanii-ipoteki', '', '', '2023-06-01 11:44:23', '2023-06-01 11:44:23', '', 0, 'https://pampadu.ru/blog/?p=2811', 0, 'post', '', 2), (2815, 15, '2023-06-01 11:00:28', '2023-06-01 11:00:28', '\n

Поиск объектов недвижимости и новых клиентов занимает в работе риелтора большую часть времени. Агенту приходится часто делать холодные звонки – совершать исходящие звонки потенциальным клиентам. Чтобы упростить такие типовые задачи, можно применять скрипты продаж риелтора.

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Сервис партнерских продаж Пампаду активно сотрудничает с агентами по недвижимости и риелторскими агентствами. Мы подготовили краткий гайд о том, как риелтору применять скрипты при общении с потенциальными клиентами.

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Зачем риелтору скрипты звонка и как их применять

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Работу риелтора сложно представить без развитых навыков коммуникации, устойчивости к стрессу и умения разрешать конфликтные ситуации. Зная страхи продавца или покупателя, можно предугадать его возможную реакцию и грамотно обойти любые возражения. Имея наготове действенные скрипты продаж риелтора, вы сможете уверенно общаться с потенциальным клиентом.

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Как риелтору совершать холодные звонки

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Если клиент звонит сам или оставляет заявку на обратный звонок, это означает, что он уже заинтересован в посреднических услугах агента. Если же вы звоните ему, то нужно построить беседу таким образом, чтобы клиент оценил выгоду от сотрудничества. Если вы сможете донести ценность ваших услуг, то с большой вероятностью он решит заключить с вами договор.

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Скрипты продаж для риелтора или агентства по недвижимости – это возможность быстро оценить перспективы совершения сделки и прийти к результату, не упустив первостепенных вопросов. Ваша задача – заинтересовать клиента и договориться о встрече для просмотра недвижимости.

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Причины неудачного холодного звонка по скрипту

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Часто собственники не хотят иметь дела с риелторскими компаниями по ряду причин. Если вы сразу предлагаете такому человеку сотрудничать, то он может попросту завершить звонок без объяснений. Чтобы этого не произошло, нужно задать общению положительный настрой, завладеть интересом клиента.

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Например, можно использовать скрипт продаж риелтора, построенный на принципе трех «да». Сначала задайте собеседнику три уточняющих вопроса подряд, на которые он должен ответить утвердительно. Только затем приступайте к обсуждению текущей задачи. Такой диалог повышает вероятность того, что собеседник ответит положительно на ваше деловое предложение.

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Разработать действенный скрипт можно, применив к разговору модель AIDA: «Внимание – Интерес – Желание – Действие». Также не следует забывать, как работает классическая воронка продаж риелтора: «Звонок – Встреча – Договор – Сделка».

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Вы можете выбрать любой подход к разработке сценария разговора. Главное, чтобы он привел к конечной цели.

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Работающие скрипты для риелторов

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Скрипты продаж риелтора – это важный элемент успешных сделок. Тренируясь на готовых скриптах, вы сможете развить навыки общения и наработать собственную клиентскую базу. Пошаговый алгоритм позволит вам не растеряться в любой момент разговора.

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Типовой скрипт беседы с потенциальным клиентом состоит из следующих этапов:

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  1. Начало разговора. Представившись, не забудьте уточнить актуальность предмета разговора.
  2. Установка контакта с собеседником. На этом шаге задают вопросы по документам на объект и планируемой сделке.
  3. Назначение личной встречи. Важно договориться о просмотре объекта на ближайшее время.
  4. Уточнение нюансов. Соберите максимум информации о предмете общения.
  5. Окончание разговора. Поблагодарите собеседника за уделенное время, еще раз подтвердите назначенную встречу.
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Холодный звонок риелтора собственнику: пример скрипта

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Построить диалог с владельцем квартиры можно по следующему сценарию:

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1. Начало разговора

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«Добрый день. Я звоню по объявлению о продаже квартиры по адресу... Предложение еще актуально?»

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2. Установка контакта

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«Мой клиент интересуется вашей квартирой» или «Я подбираю квартиру для одного клиента. Ваше предложение соответствует его запросам...»

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Если вы имеете дело с агентом по недвижимости, можно задать несколько вопросов из п. 2.1 и завершить разговор.

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Если с вами разговаривает собственник или его доверенное лицо, продолжайте действовать по скрипту:

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«Можно ли узнать детали продажи?»

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2.1 Вопросы по документам

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- «К чему вам эта информация?»

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- «Мой клиент хочет, чтобы в договоре купли-продажи указывалась реальная цена жилья. Так он обезопасит себя в случае судебных разбирательств»

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- «К чему вам эта информация?»

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- «Мой клиент хочет приобрести квартиру в течение этого месяца»

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- «К чему вам эта информация?»

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- «Подобные обстоятельства могут вызвать задержку при выходе на сделку»

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2.2 Вопросы по сделке

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- «К чему вам эта информация?»

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- «Мне важно определить сроки, в которые мы сможем выйти на сделку»

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Если сделка встречная:

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- «К чему вам эта информация?»

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- «Мне нужно понимать, сколько времени вам потребуется на поиск» или «Возможно, я смогу предложить нужный вариант»

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- «К чему вам эта информация?»

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- «В случае необходимости одобрения от банка может потребоваться больше времени, чем мы рассчитывали».

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3. Назначение личной встречи

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4. Уточнение нюансов

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Если вам отказали: «Позволите узнать, почему?»

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5. Окончание разговора

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Скрипты риелторских продаж: работа с возражениями 

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Для эффективной работы с возражениями важно выяснить, как клиент представляет результат сделки и сколько он готов за это заплатить. Нельзя напрямую убеждать клиента, что он ошибается или не владеет темой!

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Будьте готовы столкнуться с типичными возражениями:

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Как сделать скрипт холодного звонка риелтора более эффективным

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Чтобы скрипт сработал, вы должны быть уверены в собственных силах и готовы развеять сомнения клиента. Приведем несколько советов, которые помогут в создании собственного продуктивного скрипта холодного звонка:

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  1. Убедитесь, что потенциальный клиент располагает временем, чтобы вас выслушать.
  2. Сосредоточьтесь на разговоре и не отвлекайтесь на другие дела. Чтобы расположить к себе собеседника, постарайтесь находиться в приподнятом настроении.
  3. Скорее всего, вы будете далеко не первым агентом, который звонит по объявлению. Они тоже могли использовать готовые сценарии разговора. Поэтому старайтесь выбрать нестандартный подход, найти собственную манеру ведения разговора.
  4. При работе с сомнениями важно приводить факты, цифры и примеры. По сути, нужно провести грамотную презентацию риелторских услуг за отведенное время.
  5. Не поддавайтесь на провокации, не соглашайтесь предоставить скидку или снизить комиссионные. Это никак не приблизит вас к подписанию договора, а наоборот, убедит клиента, что все риелторы – мошенники.
  6. Будьте готовы к тому, что на звонок ответит не собственник жилья, а такой же агент по недвижимости, как и вы. Сотрудничать в таком случае не получится.
  7. Не воспринимайте отказы, как результат недобросовестной работы, относитесь к ним спокойно. Вы сможете сохранить уверенность для следующих разговоров, если будете считать их рабочим моментом.
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О сервисе Pampadu

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Даже правильно составленный скрипт продаж не может гарантировать риелтору заключение сделки. Это только инструмент, способный повысить вероятность успеха при общении с клиентом. Поэтому риелтору не стоит игнорировать другие возможности для получения дополнительного дохода и пополнения клиентской базы.

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Участие в партнерской программе Пампаду позволит агенту по недвижимости продвигать свои услуги, предлагая клиентам дополнительный сервис. Например, можно провести мониторинг ипотечного страхования и выбрать страховку жилья с лучшими условиями. Наверняка ваш клиент будет благодарен, что ему не пришлось самому искать страховую компанию. А главное, полис обойдется для него дешевле, чем предлагал банк.

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Регистрация на нашей площадке займет всего пару минут, а комиссионное вознаграждение для партнера составляет до 60 % стоимости страхового полиса. Работайте с Pampadu и гарантированно получайте быстрые выплаты!

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Площадка Пампаду активно сотрудничает с риелторами, страховыми агентами и брокерами. В поиске действенных инструментов для продвижения своих услуг риелтор нередко рассматривает возможность вступления в профильный союз или гильдию.

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Российская Гильдия Риелторов – наиболее рейтинговое сообщество профессиональных агентов по недвижимости в РФ. Поэтому маркетологи сервиса партнерских программ Пампаду подготовили для вас обзор по этому вопросу.

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Что такое Российская Гильдия Риелторов?

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Российская Гильдия Риэлторов (РГР) – это некоммерческая организация, начавшая деятельность в 1992 году. Она была создана для объединения риелторов с целью формирования, регулирования и развития рынка недвижимости в России. Официальный Сайт Российской Гильдии Риэлторов – rgr.ru.

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РГР имеет Устав и Кодекс этики. За нарушение положений этих нормативных документов или стандартов практики членство в гильдии может быть приостановлено. В случае наступления уголовного преследования в связи с совершением преступления, связанного с рабочей деятельностью, членство в гильдии прекращается в принудительном порядке.

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Что дает членство в РГР?

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Вступление в РГР даст риелтору ряд преимуществ на фоне конкурентов. Разберемся, какие выгоды может принести членство в гильдии.

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Деловые отношения

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Без полезных знакомств сложно подняться по карьерной лестнице. Присоединившись к гильдии, можно завести новые связи, найти опытного наставника или партнеров для работы. С целью профессионального и личностного роста организован HR-клуб РГР. Обмен опытом между членами гильдии также может принести пользу.

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Обучение и карьерный рост

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РГР регулярно организуют для своих участников обучающие мероприятия, выставки по вопросам недвижимости, конгрессы, бизнес-форумы, конференции, конкурсы. Члены Гильдии Риелторов России могут принимать участие в тренингах, семинарах, круглых столах, занимать призовые места и получать номинации.

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Аттестация и сертификация

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Риелторская деятельность не требует лицензирования, поскольку этот вид услуг не включен в соответствующий перечень. То есть посреднические услуги может оказывать любой желающий, но это не значит, что он относится к профессионалам в этой сфере.

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В 2002 году обязательное лицензирование риелторской деятельности было отменено. Тогда руководство РГР решило ввести собственные инструменты регулирования этого вопроса – аттестацию риелторов и сертификацию компаний, занимающихся вопросами недвижимости.

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Агентства по недвижимости и брокерские компании для вступления в гильдию должны пройти добровольную сертификацию. С этой целью компания-кандидат подвергается экспертизе на соответствие стандартам РГР. Аттестация – это проверка знаний агента или брокера по недвижимости, пройдя которую, он получает от РГР аттестат соответствия.

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После прохождения экзамена ваши данные будут внесены в Единый реестр сертифицированных компаний и аттестованных специалистов.

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Влияние на рынок

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Принимая участие в заседании комиссий и рабочих групп гильдии, вы сможете непосредственно формировать стандарты качества риелторских услуг. И даже воздействовать на становление и развитие цивилизованного рынка недвижимости в вашем регионе.

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Статус

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Использование знака качества и логотипа РГР положительно сказывается на имидже агента и вселяет чувство надежности в потенциальных клиентов. Принадлежность к РГР принято воспринимать, как свидетельство профессионализма и надежности компании.

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Что это значит для риелтора

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Членство в Гильдии риелторов России может стать ступенью на пути к успеху и развитию бизнеса. РГР открывает для риелтора массу новых возможностей и перспектив. Главное – активно их использовать, иначе оплата членских взносов не оправдает себя. Размера взносов за участие в сообществе определяется статусом участника. Единоличные члены уплачивают 33 000 руб./год, коллективные – от 8 000 руб./год (в зависимости от тарифного плана). Размер единоразового вступительного взноса для участника составляет 25 000 руб.

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Гильдия или партнерка – что выгоднее?

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Вступление в РГР позволит активнее продвигать корпоративный или личностный бренд. Но, стоит отметить, что членство в гильдии не влияет напрямую на доход от совершаемых агентом продаж. Оно никак не сказывается на ставке налогообложения и не способствует поиску новых клиентов.

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Чтобы расти в профессиональном плане, параллельно увеличивая заработок, рассмотрите возможности партнерских программ.

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Агрегатор партнерских продаж Pampadu занимает лидирующие позиции среди конкурентов.

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Регистрация займет всего пару минут и вы сразу же сможете изучить перспективы нашей площадки. На сайте Пампаду можно выбрать такие предложения, которые позволят риелтору получать дополнительной доход – как при совершении коммерческих сделок, так и в дальнейшей перспективе. Пример тому – оформление страхового полиса по ипотеке, которое будет выгодно вашему клиенту, а вам принесет до 60 % КВ от его стоимости.

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Если собственник недвижимости решил ее продать, он чаще всего обращается за помощью к риелтору. В этом случае ему нужно будет подготовить документы для продажи квартиры. Специалисты площадки партнерских продаж Pampadu готовы помочь агентам по недвижимости в решении этого вопроса. Мы подготовили исчерпывающий список документов, которые могут понадобиться для совершения сделки.

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Сбор документов

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Услуги риелтора при продаже квартиры включают и ее предпродажную подготовку. Она включает в себя сбор документов для продажи.

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Чтобы оформить сделку купли-продажи, потребуются такие документы:

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При наличии у владельца жилья несовершеннолетних детей:

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Если договор заключается от имени одного из участников сделки:

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При регистрации права собственности покупателю необходимо оплатить госпошлину. Внести платеж можно через кассу банка, онлайн в приложении или на месте в МФЦ. Главное – сделать это до рассмотрения заявления.

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Какие документы нужны покупателю для оформления ипотеки

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Многие покупатели решают воспользоваться для приобретения недвижимости ипотечным кредитованием. Если собственник согласен на сделку с такими условиями, от него потребуется предоставить в кредитную организацию следующие документы:

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  1. Предварительный договор купли-продажи (ПДКП), подтверждающий тот факт, что стороны пришли к соглашению и намерены совершить сделку.
  2. Документы об отсутствии задолженности по платежам и взносам за содержание жилплощади.
  3. Технический паспорт на недвижимость. В техпаспорте приводится планировка квартиры. Изучив ее, можно легко проверить, проводились ли предыдущим владельцем работы по перепланировке и законны ли они были. 
  4. Выписку из домовой книги или справку из управляющей компании, указывающую на наличие или отсутствие проживающих в квартире.
  5. Расписку о получении первоначального взноса (с обязательным указанием паспортных данных субъектов сделки).
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Выбранная для покупки квартира будет выполнять для кредитной организации функцию залога. Рассмотрев документы, банк оценит, удовлетворяет ли объект недвижимости его требованиям.

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Покупателю, в свою очередь, для оформления ипотеки нужно предоставить документы согласно перечню. Изучив их, банк оценит финансовое состояние и платежеспособность клиента. Список требуемых для ипотеки документов схож в большинстве финансовых организаций:

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  1. Паспорт, СНИЛС и ИНН;
  2. Свидетельство о браке (если покупатель состоит в нем);
  3. Брачный договор (при его наличии);
  4. Свидетельства рождении детей (при оформлении ипотеки с использованием маткапитала);
  5. Справку о доходах, подтверждающую финансовую состоятельность покупателя (по форме банка или 2-НДФЛ, для предпринимателей – 3-НДФЛ);
  6. Сведения о трудовом стаже (копия трудовой книги в бумажном виде или выписка из электронной версии);
  7. Свидетельство о государственном пенсионном страховании (при наличии);
  8. Документы об образовании (для участников специальных государственных программ);
  9. Военный билет (для мужчин до 27 лет);
  10. Выписку из домовой книги, подтверждающую, что в квартире имеются или отсутствуют прописанные жильцы;
  11. Заявление по установленной кредитной организацией форме.
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Отдельные финансовые организации могут предъявлять и другие требования к перечню документов. Некоторые банки требуют еще один документ, подтверждающий личность – например, водительское удостоверение. Поэтому покупателю лучше уточнить эти обстоятельства заранее.

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Какие ещё документы могут потребоваться при продаже

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Рынок недвижимости часто становится площадкой для мошеннических действий. Чтобы исключить недоразумения, покупатель вправе попросить дополнительные документы:

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С точки зрения законодательства, собственник квартиры или риелтор, действующий от его имени, не обязаны предоставлять эти документы. Но и покупатель вправе не соглашаться на сделку при их отсутствии.

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Во время регистрации сделки государственный служащий вправе узнать дополнительные сведения. Например, если собственник менял фамилию и данные в имеющихся у него документах не совпадают. В этом случае нужно дополнительно предоставить документы, подтверждающие достоверность данных. Например, свидетельство о перемене имени, о заключении брака или его расторжении.

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Закрытие долгов

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Потенциальные покупатели часто хотят увидеть справки об отсутствии долгов за содержание имущества. Эти документы обязательно потребуются, если в сделке участвует кредитная организация.

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Покупатель обязан оплачивать расходы на оплату коммунальных платежей с момента своего вступления в право собственности. То есть, долги продавца по этой статье расходов ему оплачивать не придется. В то же время взносы в фонд капитального ремонта привязаны к самому объекту недвижимости. Поэтому задолженность по таким платежам автоматически наследуется покупателем.

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Желательно, чтобы продавец погасил все имеющиеся долги до продажи квартиры. Но стороны могут оговорить и другие варианты погашения задолженности. Например, продавец может оплатить их из суммы полученного от покупателя задатка. В таком случае это решение должно быть прописано в ПДКП. Другим вариантом решения может стать снижение продавцом стоимости квартиры на сумму задолженности.

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Снятие жильцов с учёта

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Согласно законодательству, выписаться из отчуждаемой квартиры жильцы могут как до совершения сделки, так и после. На практике многие владельцы, как и их родственники, предпочитают сняться с учета до подписания договора. Юридически свободную квартиру, без прописанных в ней жильцов, можно быстрее реализовать. Этой же точки зрения придерживается и большинство покупателей.

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Выписаться из квартиры можно, обратившись в территориальное отделение МВД, МФЦ или подав заявление на сайте «Госуслуги». Проще всего сняться с учета, зарегистрировавшись по новому адресу – в этом случае предыдущая прописка будет автоматически аннулирована. Заявление о снятии с регистрации несовершеннолетнего оформляют родители или опекуны.

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Сняться регистрационного учета можно, доверив это право другому лицу. Для этого потребуется оформить у нотариуса доверенность на другого человека. Те, кто находятся за границей, могут выписаться из квартиры по доверенности, заверенной в российском консульстве.

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Согласно ст. 293 ГК РФ прежний собственник и члены его семьи обязаны освободить жилое помещение до подачи документов на отчуждение имущества. Но в договоре купли-продажи можно указать, что прописанные жильцы будут сняты с учета после перехода права собственности. Они могут также договориться о сроке, в течение которого прежние жильцы должны выписаться. Если же такой срок не указан, то, согласно ст. 314 ГК РФ, жильцам необходимо выписаться в течение 7 дней после перехода права собственности.

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Составление предварительного договора

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Предварительный договор – это документ, который фиксирует намерение сторон заключить сделку купли-продажи имущества. Если речь не идет об ипотечном кредитовании, то заключать предварительный договор необязательно. ПДКП может быть составлен в добровольном порядке в таких случаях:

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Преддоговор может составить любая из сторон сделки, нотариус или специально нанятый юрист. Чтобы договор имел законную силу, его оформляют письменно, в той же форме, что и основной (с учетом ст. 429 ГК РФ). В его тексте обязательно должен быть указан предмет договора, но сама стоимость квартиры может быть не указана. Заверять ПДКП у нотариуса нужно только в том случае, если планируется регистрировать у него основной договор. ПДКП не подлежит регистрации в Росреестре.

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В тексте ПДКП обычно указывают срок подписания сторонами основного договора по сделке. Если же такой срок не указан, то подразумевается, что договор купли-продажи будет заключен в течение года после подписания ПДКП. Если же основной договор не будет подписан в установленный срок, покупатель вправе обратиться с иском о нарушении соглашения в суд.

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Составление и подписание основного договора купли-продажи

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ДКП заключается с учетом требований ст. 434, 550, 554 ГК РФ. Он может быть заключен в бумажной или электронной форме, подписан обеими сторонами сделки.

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В договоре обязательно нужно раскрыть следующие тезисы:

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  1. Всех участников сделки – как со стороны продавца, так и со стороны покупателя. Указываются ФИО, адрес регистрации и сведения из документа, подтверждающего личность гражданина. Обязательно раскрывается факт нахождения в браке кого-либо из участников сделки.
  2. Все данные по объекту сделки: полный адрес, описание (общую площадь, количество жилых комнат, этаж). Желательно указать также кадастровый номер.
  3. Стоимость квартиры и проведение ее оплаты. Не стоит занижать фактическую стоимость квартиры, назначенную владельцем, указывая в договоре оценочную или кадастровую. Это снизит налоговую нагрузку для продавца, но увеличивает риск недобросовестной сделки для покупателя.
  4. Порядок освобождения квартиры. В договоре указывают сроки фактического освобождения квартиры от личного имущества и снятия с регистрационного учета прописанных.
  5. Ответственность сторон за невыполнение условий договора.
  6. Дата и место заключения договора.
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После подписания документа, желательно прошить оба его экземпляра – это обезопасит стороны от замены страниц. Если договор заверяется нотариусом, он сделает это сам, по правилам нотариального делопроизводства.

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В тексте договора можно дополнительно прописать отдельные моменты:

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Но любые договоренности не исключают полностью риск для покупателя. В конечном итоге любые возникшие спорные вопросы решаются в судебном порядке.

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Нужно ли нотариально заверять ДКП и кто в этом больше заинтересован

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Нотариус при заключении сделки выступает в качестве представителя государства, гаранта правомерности отчуждения имущества. Если нотариус заверяет ДКП, он должен убедиться в дееспособности сторон, добровольности принятого решения, проверить предоставленные документы на достоверность.

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Многие покупатели заинтересованы в совершении нотариально заверенной сделки. Она снизит риск того, что их ввели в заблуждение при совершении продажи.

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Нотариальное заверение купли-продажи обязательно потребуется в случае, если собственником квартиры выступает несовершеннолетний или лицо, признанное недееспособным.

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Что будет, если пакет документов неполный

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Отсутствие или утрата документов могут затормозить процесс оформления ДКП. Большинство бумаг можно восстановить, обратившись в Росреестр или МФЦ.

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Допустим, факт отсутствия необходимых документов выявлен при регистрации договора-купли продажи в государственных органах. В этом случае регистратор все равно примет документы на рассмотрение. Но сделка не состоится, пока продавец не предоставит отсутствующие справки или свидетельства. Ему укажут на перечень отсутствующих документов и установят срок их подачи. Исключение составляет квитанция об оплате госпошлины – без ее наличия документы вернут без рассмотрения.

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Какие еще услуги может предложить риелтор покупателю

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Купля-продажа квартиры на условиях ипотеки открывает дополнительные возможности для риелтора. Это шанс предложить покупателю выгодное ипотечное страхование имущества, а также страховку жизни и здоровья. Сервис партнерских продаж Пампаду позволит риелтору выбрать лучшие условия страховки из множества предложений. Сотрудничая с нами, вы можете получать комиссионные выплаты до 60 % от стоимости каждого проданного страхового полиса!

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\"\"
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На сервисе партнерских продаж Пампаду вы можете заработать на арбитраже трафика. Для этого есть много рекламных инструментов. Один из них – тулбары. Здесь мы расскажем вам все, что нужно знать о тулбарах в арбитраже.

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Toolbar: что это

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Toolbar – это панель дополнительных инструментов (кнопок) для браузера. Дословно слово переводится как «панель инструментов». Она может облегчать скачивание музыки или видео с известных сайтов, показывать статистику посещаемости, расширять функционал открытой страницы или конкретного сайта.

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Toolbars бывают в виде расширения (дополнения) для браузера, или как отдельное приложение. Тулбар пользователь может установить самостоятельно, в магазине расширений для браузера, или скачав его откуда-то еще. Также панель инструментов может появиться в браузере сама. Это означает, что пользователь согласился на ее автоматическую установку. Например, не снял галочку при установке бесплатной или нелицензионной игры или программы, скачанной с неофициального сайта.

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Виды тулбаров:

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А арбитраже используются рекламные тулбары. Реже – полезные с рекламным объявлением. Их задача – появиться в браузере у потенциального клиента оффера и показать рекламное предложение.

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Как использовать

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Для создания тулбара потребуются минимальные навыки разработчика приложений, все-таки это дополнение к приложению или даже отдельное приложение. С помощью конструкторов тулбары создаются легко. Остается вынудить пользователя его установить. Сделать это можно двумя способами:

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Если это расширение, оно запускается при старте браузера. Если это программа, она по умолчанию добавляется в автозапуск и стартует при запуске ПК.

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Где используется

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Toolbar реклама – это раздражающий вид интернет-рекламы. Особенно если она проникает на компьютеры пользователей обманом. Человек сразу начнет искать, как удалить лишнюю панель в любимом браузере. И быстро найдет причину ее появления, ведь мест для проверки всего 3: список расширений, список недавно установленных программ и автозагрузка.

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После удаления, потраченных в связи с этим нервов и неприятного ощущения от нарушения своего личного цифрового пространства пользователь вряд ли будет уважать компанию, оффер которой красовался на тулбаре. Или же пользователь не станет обращать внимание на рекламу в своем браузере – у него выработается «рекламная слепота».

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Но неопытные пользователи в попытках убрать лишний элемент самостоятельно могут кликать по кнопке и переходить на открывающийся сайт много раз. Если целевым действием является только переход, от такого тулбара будет польза.

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Создать полезную панель инструментов, подав «в нагрузку» к ней рекламу – достаточно сложно. И не факт, что с этого будет много конверсии. Поэтому тулбары разрешают далеко не все компании.

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Актуален ли в 2023

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Чаще всего этот вид привлечения трафика находится в списке запрещенных. Разрешить этот вид трафика могут офферы таких тематик, как adult (контент для взрослых), gambling (азартные игры), иногда nutra (лекарственные препараты, БАДы, как правило, несертифицированные). Добросовестные компании не желают, чтобы их партнеры бросали тень на их бренд, используя такой неприятный для пользователей рекламный инструмент.

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Поэтому Toolbar-реклама – не слишком актуальный вид привлечения трафика в 2023 году. Компьютерная грамотность пользователей и их уровень цифровой гигиены растет, поэтому тулбары стало сложно «забросить» в их компьютеры. Люди внимательно смотрят, что, куда и зачем они качают и устанавливают. А если установка произошла, они быстро удаляют рекламное приложение или находят способ удаления в интернете. Еще toolbar имеет ограничение по целевой аудитории – он только для пользователей ПК, а большая часть трафика в 2023 году идет с мобильных устройств.

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Toolbar в финансовых офферах

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Финансовые организации (банки, МФО) в условиях своих офферов запрещают toolbar как вид привлечения трафика. Они не хотят, чтобы что-то, подписанное их брендом, участвовало в обмане пользователей – пусть даже это принудительная установка приложения на их ПК. На сервисе PAMPADU тулбар-трафик запрещен во всех видах финансовых офферов.

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О сервисе Пампаду

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Сервис партнерских продаж Пампаду – это платформа, позволяющая зарабатывать на партнерских программах банков, страховых компаний, подборе персонала. Создание одного аккаунта дает доступ ко всем офферам на сайте.

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Сервис работает с российскими банками, МФО и страховыми компаниями, предлагает выгодные офферы с большими комиссионными выплатами. Выплаты в Пампаду выше, чем у конкурентов.

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Сам партнерский сервис и организации, оставляющие офферы для работы, тщательно следят за качеством трафика. Такие виды трафика, как тулбар-трафик, здесь запрещены. Детально о разрешенных и запрещенных видах трафика можно прочитать, нажав на кнопку «Полные условия» напротив каждого оффера, и перейдя во вкладку «Типы трафика».

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На Пампаду можно использовать другие рекламные инструменты – более результативные и честные. На сервисе интуитивно понятный личный кабинет и стандартизированные карточки офферов – всегда понятно, как можно, а как нельзя продвигать оффер.

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А если у партнера возникают вопросы относительно источников трафика или другие, он всегда может обратиться к внимательной техподдержке сервиса.

\n', 'Что такое Toolbar в арбитраже', 'В этой статье вы узнаете, что такое Toolbar и как он используется в арбитраже трафика. Мы расскажем вам все об этом рекламном инструменте: как и где его использовать, актуальны ли тулбары сейчас и приемлем ли Toolbar-трафик в партнерских программах.', 'publish', 'open', 'open', '', 'chto-takoe-toolbar-v-arbitrazhe', '', '', '2023-06-01 17:15:50', '2023-06-01 17:15:50', '', 0, 'https://pampadu.ru/blog/?p=2830', 0, 'post', '', 0), (2831, 1, '2023-06-01 17:12:06', '2023-06-01 17:12:06', '', '1030х502-8', '', 'inherit', 'open', 'closed', '', '1030h502-8-4', '', '', '2023-06-01 17:12:06', '2023-06-01 17:12:06', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-8.jpg', 0, 'attachment', 'image/jpeg', 0), (2832, 1, '2023-06-01 17:12:36', '2023-06-01 17:12:36', '', 'image', '', 'inherit', 'open', 'closed', '', 'image-13', '', '', '2023-06-01 17:12:36', '2023-06-01 17:12:36', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/image.png', 0, 'attachment', 'image/png', 0), (2833, 1, '2023-06-01 17:12:36', '2023-06-01 17:12:36', '', 'image-1', '', 'inherit', 'open', 'closed', '', 'image-1-4', '', '', '2023-06-01 17:12:36', '2023-06-01 17:12:36', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/image-1.png', 0, 'attachment', 'image/png', 0), (2834, 1, '2023-06-01 17:13:23', '2023-06-01 17:13:23', '', 'image-2', '', 'inherit', 'open', 'closed', '', 'image-2-3', '', '', '2023-06-01 17:13:23', '2023-06-01 17:13:23', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/image-2.png', 0, 'attachment', 'image/png', 0), (2835, 1, '2023-06-01 17:13:23', '2023-06-01 17:13:23', '', 'image-3', '', 'inherit', 'open', 'closed', '', 'image-3-3', '', '', '2023-06-01 17:13:23', '2023-06-01 17:13:23', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/image-3.png', 0, 'attachment', 'image/png', 0), (2837, 1, '2023-06-01 17:17:22', '2023-06-01 17:17:22', '', '1685639823764', '', 'inherit', 'open', 'closed', '', '1685639823764', '', '', '2023-06-01 17:17:22', '2023-06-01 17:17:22', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1685639823764.jpg', 0, 'attachment', 'image/jpeg', 0), (2847, 13, '2023-06-02 09:01:10', '2023-06-02 09:01:10', '\n

Когда хочется всё и сразу — это про HR вертикаль!

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?С 1 июня мы запускаем обновление по офферам:

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Яндекс Еда - вознаграждение до 7000 рублей;

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OZON - вознаграждение от 400 до 4360 рублей за релевантный лид и трудоустройство.

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❓А теперь ответ на главный вопрос: \"Как получать выплату раз в неделю и не ждать месяц?\"

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Чем больше подтвержденных заявок, тем быстрее вы получите выплату!

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15-25 релевантных заявок в неделю или 2 трудоустройства— выплата 2 раза в месяц

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25 релевантных заявок в неделю или 4 трудоустройства — выплата каждую неделю.

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Досрочные выплаты реализовываются по пятницам.

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Агенты, расширяйте возможности заработка, а если у вас остались вопросы по HR- продуктам, задайте их в ➡️ЧАТЕ.

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Хороших продаж, вместе с Пампаду!

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Пампаду объявляет летний сезон акции открытым!

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В июне у вас есть возможность принять участие в розыгрыше «ТЕПЛОЕ ЛЕТО НА ПАМПАДУ» где можно выиграть призы, а также заработать на ОСАГО и страховании Ипотеки больше чем, в любом другом месте!

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Если вы выполните условия по нескольким продуктам, то ваше вознаграждение будет суммировано.

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⚡️Чем раньше вы начнете оформлять страховые продукты, тем выше шанс получить вознаграждение и призы!

ПОДРОБНЕЕ ПРО АКЦИЮ.

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?Оформляйте и участвуйте!

\n', '?Лови момент розыгрыша и получи заряд солнечного настроения!', 'Пампаду объявляет летний сезон акции открытым!', 'publish', 'open', 'open', '', 'lovi-moment-rozygrysha-i-poluchi-zaryad-solnechnogo-nastroeniya', '', '', '2023-06-02 11:33:18', '2023-06-02 11:33:18', '', 0, 'https://pampadu.ru/blog/?p=2851', 0, 'post', '', 0), (2852, 1, '2023-06-02 11:24:04', '2023-06-02 11:24:04', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-59', '', '', '2023-06-02 11:24:04', '2023-06-02 11:24:04', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-2.png', 0, 'attachment', 'image/png', 0), (2856, 13, '2023-06-05 10:03:45', '2023-06-05 10:03:45', '\n

? Коллеги, напоминаем вам, об оффере Кредитная карта Газпромбанк -180 дней без %

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Целевое действие: Выдача
Вознаграждение: зарабатывайте 7 600 р. за каждую выданную карту!
Среднее время оплаты: 30 дней
Подтверждения: 23%

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? Зарабатывай на дебетовых и кредитных картах, кредитах и микрозаймах, дополнительно за каждый выданный и активированный продукт.

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Если вы только хотите начать заниматься банковскими продуктами вместе с нами, представляем вам обучающее видео-гайд о фин. офферах

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Остались вопросы?
Присоединяйся к нашему ЧАТУ и будь в курсе актуальных новостей по банковским продуктам.

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?Хороших продаж, команда Пампаду!

\n', 'Кредитная карта Газпромбанк -180 дней без %', 'Выгодное предложение по Кредитной карте Газпромбанк -180 дней без % зарабатывайте 7 600 р. за каждую выданную карту!', 'publish', 'open', 'open', '', 'kreditnaya-karta-gazprombank-180-dnej-bez', '', '', '2023-06-05 10:03:45', '2023-06-05 10:03:45', '', 0, 'https://pampadu.ru/blog/?p=2856', 0, 'post', '', 0), (2857, 1, '2023-06-05 10:03:35', '2023-06-05 10:03:35', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-60', '', '', '2023-06-05 10:03:35', '2023-06-05 10:03:35', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-3.png', 0, 'attachment', 'image/png', 0), (2859, 13, '2023-06-05 11:57:16', '2023-06-05 11:57:16', '\n

✅ Подводим итоги мая по офлайн продуктам.

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Несмотря на майские праздники наши агенты оставались активными и заработали:

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— По КАСКО - 632 476 руб.
Самое высокое КВ за 1 полис - 54 468 руб.

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Каждому вашему клиенту по ОСАГО вы можете предложить оформить КАСКО!
Оставьте менеджеру заявку на расчет ➡️ ПО ИНСТРУКЦИИ.

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— По офлайн ипотеке - 537 383 руб.
Самое высокое КВ за 1 полис - 24 496 руб.

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Страхуем любую ипотеку, более 80 банков, ознакомиться подробнее с условиями В СТАТЬЕ.

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?Мы начисляем КВ по офлайн продуктам каждую неделю!

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Расширяйте возможности заработка вместе с Пампаду!

\n', 'Итоги мая по офлайн продуктам', 'Подводим итоги мая по офлайн продуктам, несмотря на майские праздники наши агенты оставались активными! Подробнее в статье.', 'publish', 'open', 'open', '', 'itogi-maya-po-oflajn-produktam', '', '', '2023-06-05 11:57:16', '2023-06-05 11:57:16', '', 0, 'https://pampadu.ru/blog/?p=2859', 0, 'post', '', 0), (2860, 1, '2023-06-05 11:56:49', '2023-06-05 11:56:49', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-61', '', '', '2023-06-05 11:56:49', '2023-06-05 11:56:49', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2864, 13, '2023-06-06 09:39:54', '2023-06-06 09:39:54', '\n

Коллеги, среди множества преимуществ работы на Пампаду, мы выделяем быстрые выплаты:

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На данный момент ИП и ООО получают выплаты уже на следующий раб. день после принятия акта в личном кабинете!

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За май мы ускоренно выплатили юр.лицам почти 8 млн. руб.

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❓Ответы на вопросы по новому способу для юр.лиц ЗДЕСЬ.

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Самозанятые и физ. лица продолжают получать деньги моментально!

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С заботой о Вас,
команда Пампаду!

\n', '⚡️ Быстрые выплаты на Пампаду!', 'Многие агенты уже попробовали взаимодействовать с нами при помощи быстрых выплат, присоединяйся и ты!', 'publish', 'open', 'open', '', 'bystrye-vyplaty-na-pampadu', '', '', '2023-06-06 09:39:54', '2023-06-06 09:39:54', '', 0, 'https://pampadu.ru/blog/?p=2864', 0, 'post', '', 0), (2865, 1, '2023-06-06 09:38:28', '2023-06-06 09:38:28', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-62', '', '', '2023-06-06 09:38:28', '2023-06-06 09:38:28', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-4.png', 0, 'attachment', 'image/png', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (2869, 15, '2023-06-06 11:35:04', '2023-06-06 11:35:04', '\n

Pampadu.ru – это сервис партнерских продаж, где каждый может получать дополнительный доход, распространяя продукты банков и страховых компаний на широкую аудиторию, используя контекстную рекламу. Контекстная реклама – это реклама, которая демонстрируется пользователям автоматически, исходя из их собственных запросов в поисковых системах или поведения в интернете. С развитием технологий компании чаще используют этот вид продвижения для своих продуктов.

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Виды контекстной рекламы

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Контекстную рекламу можно разделить на несколько видов:

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Выбор подходящего типа зависит от целевой аудитории, бюджета и целей рекламной кампании.

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Где размещается контекстная реклама

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Места, где контекстная реклама обычно размещается:

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Контекстная реклама может быть размещена на одной или нескольких из перечисленных площадок в зависимости от целевой аудитории и целей рекламной кампании.

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Плюсы контекстной рекламы

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Преимущества контекстной рекламы включают:

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Контекстная реклама в арбитраже

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Арбитражники зарабатывают на разнице между стоимостью трафика и доходом от продажи. Для этого они используют различные стратегии, такие как подбор ключевых слов, тестирование рекламных объявлений, оптимизация ставок за клик и другие. Контекстная реклама в арбитраже может применяться следующим образом:

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Арбитражник может работать в различных платформах, таких как контекстная реклама Гугл Адс, Яндекс.Директ, Bing Ads.

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Контекстная реклама в финансовых партнерках

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Контекстная реклама – один из легальных типов трафика. Ее принимают в качестве источника трафика как партнерские сервисы, так и непосредственно банки. Этот инструмент соответствует интересам и рекламодателя, и потребителя рекламы.

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 Для рекламодателя он полезен тем, что подстраивается под интересы клиента, и видит их несколько шире, чем ограничивает конкретное приложение. Рассмотрим 2 случая:

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В обоих случаях рекламодатель получает внимание целевого клиента – человека, который заинтересован, с которым можно работать.

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Для потребителя объявления на основе запросов и интересов также полезны. Их преимущество – они не случайны, а стараются закрыть ту потребность, о которой потребитель сообщает напрямую (введя поисковый запрос), своим сетевым поведением, или подходящими параметрами. Второй плюс – сужается круг предложений, но они раскрываются более полно. Например: финансовых продуктов на рынке множество, и часто условия по ним отличаются. Если потребитель заинтересовался кредитом, то такие объявления покажут все предложения банков по кредитам для него, отталкиваясь от других параметров (пол, возраст, геолокация). Ему остается только выбрать выгодный исходя их условий.

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В итоге можно сделать вывод, что контекстная реклама – результативный инструмент продвижения, выгодный для рекламодателя, полезный и не слишком раздражающий для потребителя, разрешенный в партнерских программах. Эту технологию стоит изучить, если вы хотите много зарабатывать на партнерских сервисах. Один из таких сервисов – платформа PAMPADU.

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О сервисе

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Сервис партнерских продаж Пампаду – площадка, которая позволяет любому человеку работать с партнерскими программами разных организаций, создав всего 1 аккаунт. Партнерская программа – это соглашение между двумя сторонами, которое позволяет одной стороне (партнеру) продвигать продукты или услуги другой стороны (компании) и получать за это вознаграждение. В рамках партнерской программы компания предоставляет партнеру рекламные материалы, связанные с его продуктами или услугами, а также устанавливает правила оплаты. Партнер, распространяет эти рекламные материалы и привлекает потенциальных клиентов для компании.

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Сервис Пампаду предлагает работать с партнерками нескольких организаций одновременно, не заключая соглашение с каждой из них. Среди офферов на сервисе есть финансовые продукты (кредитные и дебетовые карты, ипотека, вклады, кредиты). А также страхование (ОСАГО, КАСКО, страхование ипотеки) и подбор персонала.

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    Про каждый оффер можно подробно прочитать, нажав кнопку «Полные условия». Например, разрешенные и запрещенные источники трафика можно посмотреть во вкладке «Типы трафика». Контекстная реклама разрешена практически всеми офферами на сервисе – вот почему стоит изучить ее.

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    На сервисе есть подборка обучающих материалов, полезных как новичку в арбитраже трафика, так и опытному пользователю партнерских программ. Еще пользователю Пампаду предоставляются бесплатные инструменты для отслеживания статистики своих продаж.

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    \"\"
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    Также есть раздел помощи. Сотрудники сервиса отвечают быстро и помогают в работе новичкам, решают спорные ситуации.

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    Первое достоинство сервиса – комиссионные выплаты, они выше, чему у конкурентов. Выплаты начисляются на прикрепленную карту в срок, установленный оффером для проверки.

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    Если вы только узнали о контекстной рекламе и хотите изучить этот инструмент продвижения, сервис Пампаду – это место, где можно испытать новые навыки. Если вы уже профессионал по продвижению, изучите офферы – возможно, комиссия по ним выгоднее, чем там, где вы работали до этого.

    \n', 'Что такое контекстная реклама', 'Контекстная реклама – это средство интернет-маркетинга. Он показывается только тем пользователям, которые интересуются конкретным товаром или услугой. Рассказываем о сути контекстной рекламы и о том, как использовать ее для заработка на партнерском сервисе Pampadu.', 'publish', 'open', 'open', '', 'chto-takoe-kontekstnaya-reklama', '', '', '2023-06-06 11:35:04', '2023-06-06 11:35:04', '', 0, 'https://pampadu.ru/blog/?p=2869', 0, 'post', '', 0), (2870, 1, '2023-06-06 11:21:50', '2023-06-06 11:21:50', '', 'image-4', '', 'inherit', 'open', 'closed', '', 'image-4-3', '', '', '2023-06-06 11:21:50', '2023-06-06 11:21:50', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/image-4.png', 0, 'attachment', 'image/png', 0), (2871, 1, '2023-06-06 11:21:50', '2023-06-06 11:21:50', '', 'image-5', '', 'inherit', 'open', 'closed', '', 'image-5-3', '', '', '2023-06-06 11:21:50', '2023-06-06 11:21:50', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/image-5.png', 0, 'attachment', 'image/png', 0), (2872, 1, '2023-06-06 11:21:50', '2023-06-06 11:21:50', '', 'image-6', '', 'inherit', 'open', 'closed', '', 'image-6-3', '', '', '2023-06-06 11:21:50', '2023-06-06 11:21:50', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/image-6.png', 0, 'attachment', 'image/png', 0), (2873, 1, '2023-06-06 11:27:21', '2023-06-06 11:27:21', '', '1686050759502', '', 'inherit', 'open', 'closed', '', '1686050759502', '', '', '2023-06-06 11:27:21', '2023-06-06 11:27:21', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1686050759502.jpg', 0, 'attachment', 'image/jpeg', 0), (2874, 1, '2023-06-06 11:30:25', '2023-06-06 11:30:25', '', '1686051015424', '', 'inherit', 'open', 'closed', '', '1686051015424', '', '', '2023-06-06 11:30:25', '2023-06-06 11:30:25', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1686051015424.jpg', 0, 'attachment', 'image/jpeg', 0), (2875, 1, '2023-06-06 11:32:34', '2023-06-06 11:32:34', '', 'контекстная реклама', '', 'inherit', 'open', 'closed', '', '1030h502-9-4', '', '', '2023-06-06 11:32:34', '2023-06-06 11:32:34', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-9.jpg', 0, 'attachment', 'image/jpeg', 0), (2877, 15, '2023-06-06 12:11:45', '2023-06-06 12:11:45', '\n

    Поисковики почти не дают шансов дорвейным сайтам на попадание в выдачу. Времена, когда алгоритмы работали сыро и невнятно, уже прошли. Однако существуют арбитражники, осуществляющие добычу трафика и зарабатывающие посредством дорвейных сайтов. Полезно знать про сайты дорвеи что это.

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    Актуальность дорвеев в 2023

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    Дело обстоит так, что на тех, кто обманывает алгоритмы, налагаются жесткие санкции. По этой причине привлечение трафика «левыми» методами становится сложной задачей. Дорвейные сайты попадают под бан при любом раскладе. Однако использовать их можно, регулярно проводя анализ и придумывая новые варианты обхода правил.

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    К примеру, арбитражники с опытом стали создавать поисковые системы с информационной базой и API-интерфейсом PHP. Подобное решение доступно благодаря бесплатному «Сфинкс». Он предусматривает пакетирование вызовов UDF, многопоточную загрузку индекса. Такой вариант дает возможность не запутаться в сложных алгоритмах поисковых систем, обеспечивает рост и развитие.

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    Что такое дорвеи в арбитраже

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    Дорвейный сайт перенаправляет трафик на офферы рекламодателей. Такие сайты не заключают в себе информационной пользы. Их делают быстро, затачивая под конкретные запросы в поисковиках. Арбитражники выполняют SEO-продвижение подобных сайтов, чтобы они занимали высокие позиции в выдаче. Используя дорвейные сайты, можно привлечь лидов в партнерки.

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    Для продвижения сайтов на топовые позиции арбитражники работают с разными запросами для поисковиков. К примеру, ключи указываются в title, description, заголовке, тексте в больших количествах. Смысловая нагрузка при этом не важна. Когда человек набирает в поисковой системе соответствующий ключу запрос, ему выдает дорвейный сайт. Пользователи переходят по сниппету, попадают на дорвейный сайт либо сразу происходит перенаправление на предложение рекламодателя. Это обеспечивает привлечение целевой аудитории.

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    На дорвейных сайтах применяют clickunder. Пользователь выполняет переход на сайт, прокрутку страницы либо клик по любой из ее частей. После этого в новой вкладке появляется посадочная страница с описанием продукции.

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    Большое значение для продвижения в «Гугл» имеют ссылки. Арбитражники размещают большое количество ссылок на доры, приобретая их на Sape либо применяя готовые программы. Еще дорвейные сайты продают под видом обычных. Приобретать доры не рекомендуется, потому что их создали для раскрутки платформы.

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    Преимущества дорвеев

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    Трафик с доров противоречив, однако имеет и плюсы:

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    1. Владелец платформы обеспечивает себе бесплатное получение большого количества трафика. Тратиться нужно на разработку дора. При этом применяют бесплатные ВДС или ВПС, домен, ничего не тратя на размещение дора.
    2. При грамотном применении дор обеспечивает наращивание аудитории, поднятие ссылочного веса.
    3. Не требуется тратить много сил на то, чтобы грамотно оптимизировать платформу. Сосредоточьтесь на качестве, подаче контента вместо того, чтобы внедрять ключи, считать параметры, связанные со статистикой.
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    Недостатки дорвеев

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    Из недостатков доров отмечают следующее:

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    1. Поисковые системы не любят доры, потому часто выполняют блокировку. Надеяться на то, что дор долго проживет, не стоит. Это временное явление, которое недолго будет находиться в топ-10 выдачи «Гугл».
    2. Нужно менять страницы для перенаправления, наполняя новым контентом и плавно переосмысливая кампанию по раскрутке платформы через подставные сайты с «рыбным» текстом, ключевиками.
    3. Если нет возможности использовать бесплатный хостинг либо нужен хороший домен, понадобится тратить деньги на то, чтобы арендовать сервер, а также на доменные имена. Это может обойтись в большую сумму, нежели применение белых методов продвижения.
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    Работа дорвеев с поисковиками

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    «Гугл» и Yandex отрицательно относятся к дорам. Создатели поисковиков борются с дорами, не дают развиваться платформам, которые продвигают посредством перенаправления и злоупотребления алгоритмами.

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    Российская версия «Гугл» реже выполняет блокировку доров, так как не всегда выявляет текст без смысла, который сгенерировали. По этой причине думать о контенте дора не стоит. Главное – позаботиться об оптимизации, продвижении на верхние позиции. Дор держится в выдаче минимум 1 мес. В таком случае получите трафик со стороны поисковика «Гугл». Еще потребуются обратные ссылки. Спамьте на форумах без модерации, в комментариях к разным публикациям.

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    Индексация в Yandex попеременная. Новые сайты переходят в выдачу волнами. Это не означает, что дор сразу после того, как размещен в интернете, с новой волной окажется в выдаче. Понадобится подождать минимум 1 мес., чтобы новые домены переиндексировались 2-3 раза.

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    Некоторые web-мастера ускоряют проверку, приобретая домен постарше, которому доверяют поисковые системы. Трафик появляется сразу после того, как сайт первично индексирован. Главное – корректно настроить дор. Yandex предпочитает сложную структуру, потому позаботьтесь о том, чтобы дор содержал:

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    В отличие от «Гугл», Yandex выполняет тщательную проверку текста. Поисковик определяет, написал ли текст человек либо контент сгенерировал компьютер.

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    Дорвеи и партнерские программы

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    Некоторые арбитражники применяют оптимизированные сайты, чтобы переадресовывать людей на партнерские ссылки. Пользователь работает с брендом и имеет ссылку на страницу, переход по которой дает ему доход. Иначе говоря, человек привлекает рекламодателю нового клиента (в том числе потенциального), получая за это доход.

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    Чтобы не создавать сложные методики распространения партнерских ссылок, можно сделать доры, которые оптимизировали на выход в верхние позиции поисковика. Выполните настройку перенаправления на партнерский сайт. Можно в разы повысить трафик, собственный заработок, если это не запрещается партнеркой.

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    Дорвейный трафик – какой он

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    Доры делают, чтобы привлечь органический трафик. Он стоит столько же, сколько и любой иной трафик из поисковиков. Однако спустя небольшой временной промежуток поток пользователей прекращается из-за бана доров. Впрочем, ничто не мешает делать новые дорвеи сколько угодно.

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    Люди часто не догадываются о переходе на страницу предложения через дор. Не имеющий смысла текст с кучей ключей пользователи не замечают, потому что сразу переадресовываются на посадочную страницу. Некоторые арбитражники утверждают, что доры даже полезны. К примеру, пользователь идет, где приобрести запчасти для автомобиля, и сразу оказывается на сайте с необходимыми автозапчастями. Это удовлетворяет запрос. Однако трафик в любом случае привлекается нечестно с точки зрения поисковой системы.

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    Сеть дорвеев что такое

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    Дорвейные страницы чаще делают сразу в нескольких экземплярах. Такую возможность обеспечивают автоматизированные сервисы, позволяющие по шаблону делать сайты-клоны. Каждый из них заполняется контентом, проходит оптимизацию ключами. Разработка дорвейной сетки дает возможность быстро получить максимум трафика, не привлекая при этом внимание поисковой системы.

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    Дорвейная сетка – это страницы, ссылающиеся одна на другую. Благодаря множеству низкочастотных запросов и грамотной оптимизации такие платформы занимают топовые позиции в выдаче.

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    Сколько в среднем живут дорвеи

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    Доры запрещены поисковиками, потому что относятся к спаму, бесполезны, а служат только для сбора пользователей, которые проходят мимо. Из-за этого существуют они недолго. Достаточно оказаться в поле зрения ботов Google и Yandex для бана.

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    Когда правила поисковиков стали жесткими, срок существования доров существенно уменьшился. Сайты, вызывающие подозрения алгоритмов, банят даже спустя 30 мин после их разработки. Некоторым черным дорам удается просуществовать пару недель. Срок, в течение которого существует дорвей, и используют для продвижения определенной платформы.

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    Заработок на дорвеях

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    Чтобы зарабатывать на дорах, нужно правильно выбрать вертикаль и CPA-сетку, на предложения которой будет литься трафик. Партнерские программы предусматривают готовый лендинг, который можно разместить на сайте. Тематики различаются (азартные игры, займы, товары). Технически реализовать этот метод легко. Витрина партнера работает в облаке, не связана с дором. Однако все выглядит так, словно сам владелец дора сделал витрину.

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    Для заработка на дорвейных страницах найдите подходящее предложение. Изучите перечень партнерок, доступных на Pampadu, для выбора CPA-сетки с разными предложениями от прямых рекламодателей.

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    Как создают дорвеи

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    Чтобы создать текст для продвижения в поисковиках, применяют синонимайзинг. Слова в тексте меняют на синонимы, чтобы повысить уникальность минимум до 50%. Синонимайзинг делают посредством специального      ПО. Это приводит к возникновению странных фраз, снижению адекватности текстового контента.

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    Еще применяют машинный перевод. Текст выглядит ломано, не всегда корректно, но уникален. При наличии подходящих ключевиков страница будет занимать верхние позиции в выдаче поисковиков.

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    Топ ниш, где используются дорвеи

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    Доры применяют для получения дохода почти в любой сфере арбитража. Дорвейные страницы дают чистый органический трафик, принимаемый всеми рекламодателями. При наличии ограничений рекламодателя заливают трафик через прокладку. Главное – регулярно создавать новые доры.

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    Чаще всего дорвейный трафик используют в таких сферах:

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    1. Адалт – доры обеспечивают привлечение большого количества трафика посредством запросов низкой частотности. Однако адалт-платформы быстро попадают под бан Yandex.
    2. Дейтинг – доры в данной сфере долго не попадают под бан, но приносят небольшое количество трафика. Обусловлено это сложностью попадания в выдачу из-за серьезной конкуренции – в интернете есть немало сайтов, связанных со знакомствами.
    3. Даунлоад – доры обеспечивают конвертацию трафика благодаря готовым инсталлам.
    4. Азартные игры – в интернете существует немало гемблинговых доров, накрытых фреймом (готовым лендингом). Они не попадают под бан 3-4 мес. Роботы поисковых систем видят не скриптовый фрейм, а разделы казино.
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    Многоязычные поисковые системы зачастую не учитывают смысловую нагрузку, красоту текстового контента. Они пропускают масштабные доры, которые занимают огромное количество страниц. Однако спустя определенный период Google отправляет роботов на проведение проверки. По этой причине дорвейные страницы поначалу показывают хорошую индексацию, однако потом банятся.

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    Отдельно отмечают эссейную сферу, которая уже 1.5 десятка лет занимает 30% от общего рынка в интернете. Число тех, кто хочет получить высшее образование, стабильно повышается, в особенности в англоязычном сегменте.

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    Дорвеи в финансовой вертикали

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    Дорвеи применяют в офферах по микрозаймам. Банки запрещают применять доры. Предложения по микрозаймам характеризуются большими ставками за целевое действие, серьезной конкуренцией. Оказаться в топе даже с нормальным контентом сложно. В случае с дорвеями сложность задачи возрастает до максимума. Однако это не мешает в получении трафика даже в такой конкурентной сфере.

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    \"\"
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    Стратегий продвижения микрокредитов много, однако чаще всего создают витрины. Кто-то затрачивает много средств на оригинальный контент, тогда как другие просто парсят его, синонимизируют, получая трафик. Накрутив поведенческие факторы, можно попасть в топ Yandex.

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    О сервисе

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    Офферы от рекламодателей доступны на интернет-платформе Pampadu. Существует много предложений, позволяющих получать доход тому, кто льет дорвейный трафик. Офферы, доступные на Пампаду, связаны с самыми разными тематиками. Также используйте другие способы залива трафика. Главное – изучить условия конкретного рекламодателя. Правилами некоторых партнерских программ запрещено лить дорвейный трафик. Соблюдая правила партнерской программы и привлекая пользователей на сайт рекламодателя, арбитражник обеспечивает себе неплохой доход.

    \n', 'Дорвеи: что это такое в арбитраже трафика', 'Пик популярности дорвейных сайтов уже давно прошел, однако их по-прежнему используют для добычи трафика, заработка. Про дорвеи что это рассказано далее.', 'publish', 'open', 'open', '', 'dorvei-chto-eto-takoe-v-arbitrazhe-trafika', '', '', '2023-06-06 12:11:45', '2023-06-06 12:11:45', '', 0, 'https://pampadu.ru/blog/?p=2877', 0, 'post', '', 0), (2878, 1, '2023-06-06 12:07:38', '2023-06-06 12:07:38', '', 'дорвейный трафик', '', 'inherit', 'open', 'closed', '', '1030h502-7-6', '', '', '2023-06-06 12:07:38', '2023-06-06 12:07:38', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-7.jpg', 0, 'attachment', 'image/jpeg', 0), (2879, 1, '2023-06-06 12:10:14', '2023-06-06 12:10:14', '', '1686053379206', '', 'inherit', 'open', 'closed', '', '1686053379206', '', '', '2023-06-06 12:10:14', '2023-06-06 12:10:14', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1686053379206.jpg', 0, 'attachment', 'image/jpeg', 0), (2881, 15, '2023-06-06 12:21:53', '2023-06-06 12:21:53', '\n

    Предложение о продаже квартиры, размещенное на тематических площадках, часто становится отправной точкой для заключения сделки. Маркетологи сервиса партнерских продаж Пампаду активно сотрудничают с риелторами и агентствами по недвижимости. Чтобы помочь вам в продажах, мы подготовили подробную статью о том, как написать объявление о продаже квартиры.

    \n\n\n\n

    Что указывать в объявлении?

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    Предложение о продаже квартиры должно заинтересовать покупателя. Важно дать максимум информации об объекте недвижимости в доступной для восприятия форме. Нужно описать объект продажи, выделить его достоинства, условия сделки, структурировать текст объявления. Недостатки тоже не стоит скрывать, но акцентировать на них внимание не нужно – указывайте фактическое состояние объекта.

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    Выбираем площадки для размещения

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    Сайты для размещения объявлений должны быть посвящены недвижимости или содержать отдельный раздел о ней. Также учитывают охват целевой аудитории и популярность ресурса среди покупателей.

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    К наиболее популярным площадкам относятся: «Avito Недвижимость», «Циан», «Юла», «Домклик» и «Яндекс.Недвижимость».

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    Определяем портрет потенциального покупателя

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    Составляя текст объявления, подумайте о потенциальном покупателе, которого может заинтересовать эта жилплощадь. Клиенты могут различаться по уровню дохода, приоритетам в выборе жилья, запросам к инфраструктуре, внешнему и внутреннему благоустройству.

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    Определите, кого может заинтересовать квартира. Например, она может быть выгодна в качестве инвестиции или сдачи в аренду. Однокомнатные квартиры чаще всего приобретают молодые семьи или для проживания одного человека. Двухкомнатные – популярны среди семей со средним уровнем дохода и более обеспеченных одиноких людей. Трехкомнатные квартиры чаще всего покупают семьи с несколькими детьми или для проживания совместно с другими родственниками, а также обеспеченные семейные пары с расчетом на перспективу.

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    Подумайте о неочевидных плюсах объекта. Например, если жилплощадь находится в центре города, то покупатель может пренебречь отсутствием внутренней отделки ради более низкой цены. Квартира, имеющая просторную кухню, раздельный санузел или несколько лоджий будет удобна для большой семьи.

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    Используйте всю имеющуюся информацию в тексте объявления, чтобы закрыть вероятные вопросы клиентов. Например, можно сделать акцент на премиальных отделочных материалах, элитной сантехнике или виде из окна на реку. Даже старый жилой фонд может иметь достоинства – расскажите о высоких потолках, тихом дворе, замене проводки и канализации, застекленной лоджии, установленных пластиковых окнах и других обстоятельствах.

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    Составляем объявление

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    Перечисленные выше сервисы выставляют определенные требования к подаче объявления. Ознакомьтесь с ними и заполните обязательные поля. Объявление должно содержать достоверные данные – укажите адрес дома, этажность, общую жилую площадь квартиры, этаж, наличие лифта, количество комнат, актуальную стоимость. Эти сведения могут влиять на поисковую выдачу пользователей. Указывать номер квартиры не следует, иначе этой информацией могут недобросовестно воспользоваться.

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    Максимально раскройте технические параметры квартиры. Составьте описание санузла, кухни, балкона или лоджии, укажите на высоту потолков, наличие грузового лифта.

    \n\n\n\n

    Желательно указать год постройки и серию дома – эту информацию можно найти в техпаспорте или найти в интернете. Указав кадастровый номер квартиры, вы сможете повысить доверие пользователей. Многие сервисы проверяют данные самостоятельно – тогда объявлению присваивается статус «Проверено в Росреестре».

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    Планировки квартир могут отличаться, поэтому желательно приложить к объявлению точный план с расположением комнат. Эту информацию можно запросить онлайн, без посещения БТИ.

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    Не вводите читателя в заблуждения. Если в квартире проведена перепланировка или отсутствует внутренняя отделка, не стоит это скрывать.

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    Изучаем технические сведения о квартире

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    Обустройство дома, его подъезда, двора. Можно упомянуть любые имеющиеся преимущества:

    \n\n\n\n\n\n\n\n

    Покупатель хочет узнать как можно больше информации о доме. Укажите год его постройки, название жилого комплекса и управляющей компании, опишите состояние фасада и внутренних коммуникаций.

    \n\n\n\n

    Квартира. Сам объект недвижимости может дать много информации. Опишите ремонт, зонирование пространства, оборудование санузла. Если квартира продается вместе с находящейся в ней мебелью и установленной техникой, стоит указать это в объявлении, перечислив позиции.

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    Инфраструктура. Покупатели интересуются не только состоянием жилплощади, но и местом ее расположения, районом. В объявлении можно упомянуть:

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    Посмотрите расположение объекта на карте города – так вы сможете выявить достоинства района. Информацию об образовательных и лечебных учреждениях легко найти в интернете.

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    Документы на недвижимость. В объявлении можно указать, как было имущество приобретено владельцем, кто жил в помещении, отсутствие прописанных. На некоторых сайтах интегрирована возможность проверки документов на квартиру через Росреестр.

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    Условия продажи. В объявлении можно описать условия сделки – с внесением средств наличными, использованием ипотеки или маткапитала. Если сделка альтернативная, укажите условия обмена с доплатой или размены на другое имущество. 

    \n\n\n\n

    Потенциальная доходность. Если квартира перспективна с точки зрения сдачи в аренду, можно упомянуть этот факт. Это может заинтересовать потенциальных инвесторов, которые не планируют использовать квартиру для собственного проживания. Например, если квартира расположена в историческом или деловом центре города, вблизи вокзала или аэропорта.

    \n\n\n\n

    Программа реновации. Если дом, где расположен объект продажи, включен в программу реновации, то можно использовать эту возможность. Такие программы действуют в Москве, Подмосковье, Санкт-Петербурге, Севастополе, Тюмени, Республике Дагестан, других субъектах и городах РФ.

    \n\n\n\n

    Реновация подразумевает расселение владельцев квартир старого жилого фонда в новые благоустроенные высотки. Если использовать эту информацию в тексте объявления, важно упомянуть условия действующей программы: срок и гарантии, помощь в организации переезда, возможности расширения жилплощади за счет доплаты.

    \n\n\n\n

    Структурируем информацию

    \n\n\n\n

    При размещении объявления учитывайте удобство восприятия для потенциального покупателя. С этой целью текст информации необходимо структурировать. Разбейте текст на смысловые абзацы (по 3-4 предложения в каждом) и отделите их друг от друга пустой строкой.

    \n\n\n\n

    Не набирайте сплошной текст капслоком – это вызывает негативную реакцию читателя. Прописными буквами или жирным шрифтом можно выделить только самую важную информацию, отдельные слова.

    \n\n\n\n

    Делаем фото и видео квартиры

    \n\n\n\n

    Объявления без фото редко привлекают пользователей, особенно это касается вопросов недвижимости – как покупки, так и аренды. В первую очередь, покупателя интересует, как выглядит предмет продажи.

    \n\n\n\n

    Снимки должны быть качественными и содержательными. Чтобы сделать хорошее фото, освободите квартиру от лишних вещей, мусора, людей и домашних животных. Посторонние предметы могут помешать объективной оценке помещения.

    \n\n\n\n

    Выберете выгодные ракурсы, стараясь охватить максимум помещений. Используйте широкоформатную съемку там, где это будет уместно. Избегайте отражений в зеркалах, снимков напротив источников освещения и засвечивания от вспышки объектива.

    \n\n\n\n

    Делайте фото при ярком освещении и в разрешении HD. Не стоит использовать размытые фото. Можно сделать фотографии при искусственном освещении, но предпочтение отдается дневному свету. Чем больше фото, тем лучше – так покупатель сможет составить полное представление о жилплощади.

    \n\n\n\n

    Видеоролик позволит запечатлеть все комнаты, показать двор или вид из окна. Можно комментировать съемку, акцентируя внимание на важных деталях. Например, натяжных потолках или встроенной бытовой технике. Если вы не хотите записывать видео голосом, наложите с помощью монтажа текстовые комментарии.

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    Рассматриваем возможность продвижения в соцсетях

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    Люди проводят в социальных сетях до нескольких часов в день, поэтому пост о продаже квартиры может дать хороший охват аудитории.

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    Но большинство пользователей воспринимает соцсети как вид досуга, поэтому продвижение на таких площадках не гарантирует продажу квартиры. Возможно, вы только зря потратите усилия на создание рекламы в соцсетях. Лучше сосредоточить внимание на популярных площадках для покупки недвижимости – таких, как «Циан» и «Авито».

    \n\n\n\n

    Если вы все же решили продвигать предложение о продаже с помощью SMM, желательно разместить пост с видеороликом. Главное – чтобы контент был интересным, с «цепляющей» историей, позитивным, запоминающимся. Такие посты часто набирают большое количество просмотров и могут заинтересовать пользователей.

    \n\n\n\n

    Оформляем платное размещение

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    Чтобы объявление попало в топ выдачи, придется оплатить его размещение. Платеж легко провести в личном кабинете, оплатив через СБП или банковской картой.

    \n\n\n\n

    Вы можете выбрать срок платного показа и конкретные опции рекламы. Попробуйте быстро продать квартиру, оплатив размещение объявления на минимально доступное количество дней. Так вы не потратите лишних средств.

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    Следим за объявлением после размещения

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    В личном кабинете на сайте можно отслеживать популярность размещенного предложения: количество просмотров и коммуникаций с пользователями, рейтинг поисковой выдачи.

    \n\n\n\n

    Если просмотров мало, подумайте, как можно отредактировать текст, изменить подачу информации. Возможно, стоит перепроверить технические характеристики или сделать другие фотографии. Чтобы увеличить количество показов, воспользуйтесь опциями продвижения.

    \n\n\n\n

    После того как объявление разместили, в личном кабинете можно отслеживать его продуктивность. Также можно при необходимости отредактировать текст объявления и, если нужно, оплатить дополнительные опции по показам.

    \n\n\n\n

    Как пошагово разместить объявление о продаже квартиры

    \n\n\n\n

    Подытожим, какие шаги потребуются для размещения объявления:

    \n\n\n\n
    1. Изучите документы, подтверждающие право собственности, и технический паспорт на квартиру – их можно получить в электронном виде, без посещения БТИ и МФЦ.
    2. Соберите сведения о доме, районе его расположения, изучите преимущества жилплощади перед другими предложениями.
    3. Сформулируйте текст объявления, приложив к нему качественные фото квартиры. Также можно добавить туда видеоролик, снятый во дворе дома или с видом из окна.
    4. Когда объявление будет составлено, разместите рекламу на самых посещаемых площадках по продаже недвижимости.
    5. Если квартиру не удалось продать в течение недели, проанализируйте статистику объявления и скорректируйте его, опираясь на количество просмотров и содержание телефонных звонков.
    \n\n\n\n

    Сервис Пампаду предлагает дополнительный заработок для риелторов и агентств по продаже недвижимости. Вы можете дополнить текст объявления упоминанием выгодных условий страхования ипотеки с вашей помощью. Это поможет рассеять сомнения пользователей и ускорить продажу квартиры. Регистрация займет всего пару минут и вам сразу же будут показаны предложения партнерских программ по ипотечному страхованию более 30 банков и страховых компаний.

    \n', 'Как риэлтору написать эффективное объявление о продаже квартиры', 'В статье мы подробно расскажем вам о том, как написать объявление о продаже квартиры так, чтобы оно заинтересовало потенциального покупателя. Рассматриваем размещение и рекламу пошагово.', 'publish', 'open', 'open', '', 'kak-rieltoru-napisat-effektivnoe-obyavlenie-o-prodazhe-kvartiry', '', '', '2023-06-06 12:21:53', '2023-06-06 12:21:53', '', 0, 'https://pampadu.ru/blog/?p=2881', 0, 'post', '', 0), (2882, 1, '2023-06-06 12:17:50', '2023-06-06 12:17:50', '', 'эффектное объявление для риэлтора', '', 'inherit', 'open', 'closed', '', '1030h502-4-3-2', '', '', '2023-06-06 12:17:50', '2023-06-06 12:17:50', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-4-3.jpg', 0, 'attachment', 'image/jpeg', 0), (2884, 13, '2023-06-06 13:47:34', '2023-06-06 13:47:34', '\n

    С 10 по 31 мая проходил розыгрыш «Оформи полисов ОСАГО больше, чем в прошлом месяце и получи дополнительно 100 рублей за каждый полис по СК: МАКС и РОСГОССТРАХ на Пампаду.ру»

    \n\n\n\n

    В акции приняли участие 516 агентов!

    \n\n\n\n

    Им отправлено письмо, а деньги уже зачислены в личные кабинеты!

    \n\n\n\n

    Проверьте свой кабинет, возможно, выиграли именно вы!

    \n\n\n\n

    Команда Пампаду поздравляет победителей! ?

    \n\n\n\n

    Если в этот раз вам не повезло, не останавливайтесь и продолжайте оформлять полисы, ведь именно сейчас проходит акция «ТЕПЛОЕ ЛЕТО НА ПАМПАДУ» где можно выиграть призы, а также заработать на ОСАГО и страховании Ипотеки!

    \n\n\n\n

    Зарабатывайте больше вместе с Пампаду.ру!

    \n', '? Объявляем итоги акции!', 'Итоги акции! \nУзнайте выиграли ли вы денежное вознаграждение от Пампаду!', 'publish', 'open', 'open', '', 'obyavlyaem-itogi-aktsii', '', '', '2023-06-06 13:47:34', '2023-06-06 13:47:34', '', 0, 'https://pampadu.ru/blog/?p=2884', 0, 'post', '', 0), (2885, 1, '2023-06-06 13:28:21', '2023-06-06 13:28:21', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-63', '', '', '2023-06-06 13:28:21', '2023-06-06 13:28:21', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-5.png', 0, 'attachment', 'image/png', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (2888, 13, '2023-06-07 10:32:23', '2023-06-07 10:32:23', '\n

    ? Как лить трафик на HR в 2023 году?

    ROI 160 на валидных заявках — вознаграждение меньше, но объем больше. Пока рекрутеры ищут офферы с высокой оплатой за трудоустройство, вебмастера завоевывают этот рынок через таргетированную и контекстную рекламу.
    Парсинг аудитории, выбор городов, анализ рынка, запуск рекламных объявлений — составляющие хорошего кейса.

    ?А теперь в цифрах — общий бюджет на месяц 70 000 рублей.
    Из них:

    \n\n\n\n
    1. Создание лендинга с вакансиями — 5 000 рублей;
    2. Заказ креативов для баннеров — 3 000 рублей;
    3. Подписка на онлайн-парсер для ВК — 1 000 рублей;
    4. Рекламный кабинет My Target — 20 000 рублей;
    5. Рекламный кабинет ЯДирект — 41 000 рублей.
    \n\n\n\n

    Это уже не тестовый запуск, это работа по воронке:
    баннерная реклама в ВК на аудиторию парсинга и баннерный + ключевой запуск контекста.За месяц получилось 454 подтвержденных валидных заявок из 1760 конверсий — доход 180 000 рублей.

    ?Исследуйте HR-вертикаль с помощью новых инструментов продвижения, вместе с Пампаду!

    \n', 'Трафик на HR в 2023 году', 'Исследуйте HR-вертикаль с помощью новых инструментов продвижения, вместе с Пампаду!', 'publish', 'open', 'open', '', 'trafik-na-hr-v-2023-godu', '', '', '2023-06-07 10:32:23', '2023-06-07 10:32:23', '', 0, 'https://pampadu.ru/blog/?p=2888', 0, 'post', '', 1), (2889, 1, '2023-06-07 10:31:30', '2023-06-07 10:31:30', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-64', '', '', '2023-06-07 10:31:30', '2023-06-07 10:31:30', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-6.png', 0, 'attachment', 'image/png', 0), (2891, 15, '2023-06-07 11:13:41', '2023-06-07 11:13:41', '\n

    У тех, кто занимается арбитражем, возникает вопрос – тизерные сети это что? Особенность тизерной рекламы заключается в том, что она не показывает сразу продаваемый товар. Для получения информации человек нажимает на публикацию. После этого он переходит на посадочную страницу, сайт либо в чат с консультантом, где и получает подробные сведения. 

    \n\n\n\n

    Что это

    \n\n\n\n

    Тизер – это реклама, помещенная в отдельный блок с завлекающим заголовком. Публикации нацелены на привлечение внимания человека, побуждение его к клику по тизеру. Для получения дохода необходимы публикации с привлекающими внимание изображениями, интригующими заголовками. 

    \n\n\n\n

    Тизерные сети – это посреднические фирмы, обеспечивающие сотрудничество web-мастера и арбитражника. Тот, кто занимается арбитражем, получает трафик, а вебмастер – доход. Арбитражник, разумеется, также имеет доход, однако сначала ему поступает лишь трафик. Доход рекламодателя зависим от числа переходов, количества действий, которые совершил человек. Кроме того, на прибыль влияет факт покупки товара. 

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    Виды

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    Говоря про тизеры что это такое, отметим классификацию подобной рекламы по тематикам сайтов, где она публикуется. У сайтов с различной тематикой разная аудитория. Выделяют такие типы тизеров: 

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    1. Общие – оптимальны для большинства сетей. Сайты общей тематики подходят для продвижения большей части партнерок. 
    2. Женские – направлены на продвижение товаров, услуг, которые представляют интерес лишь для женщин. 
    3. Товарные – предназначены для продвижения определенных товаров. 
    4. Тематические – характеризуются узкой направленностью, ориентируются на определенную аудиторию. Тизеры ориентированы на водителей, родителей, коллекционеров монет, людей, занимающихся спортом. 
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    Принципы работы

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    Форматы работы рекламы в тизерных сетях разнятся по: 

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    Определенные сети обеспечивают возможность мелкой настройки рекламных публикаций. Например, меняют вид устройств, с которых людям доступен просмотр рекламы. Для очистки трафика от ботов, фродов существует черный список. В него web-мастер добавляет сайты, на которых реклама не будет показываться. 

    \n\n\n\n

    Тизеры не содержат большого количества текстовой информации. Заголовок небольшой. Убирайте воду, добавляйте информацию только по делу. Не забывайте о призыве. Человек ощущает, что реклама обращается непосредственно к нему, а не к неопределенному пользователю. 

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    В одной публикации продвигается 1 оффер. Не добавляйте в тизер много разных товаров, услуг. Акцентируйте внимание на определенном продукте. К примеру, при продвижении услуг web-студии не стоит подробно писать о том, чем она занимается. 

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    Пользователь осознает, чем выгоден ему переход. Добавляйте информацию о скидочных предложениях, распродажах, поступлении новых товаров в ассортимент. Используйте методы подгона пользователей. Публикации, сообщающие о том, что у пользователя осталось мало времени, привлекают внимание, мотивируют человека на клик по рекламе. 

    \n\n\n\n

    Неточности в тексте отталкивают пользователя, не дают ему поверить в то, что оффер честный. Пользователь заметит ошибку в слове, подумает, что его пробует обмануть школьник, не станет совершать переход. Проверяйте текст на ошибки. 

    \n\n\n\n

    В каждом тексте содержится ключевик, привлекающий внимание человека. Помечайте ключевые слова жирным шрифтом. Тизерная реклама конкретного оффера будет эффективнее. 

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    Оформляем изображение

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    Каким бы интригующим не был заголовок, пользователь в любом случае сначала смотрит на картинку. При оформлении изображения полезно помнить о таких рекомендациях: 

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    1. Качество важнее размера. Для тизерной рекламы не применяют изображения высокого разрешения. Картинка компактная, качественная. Профессиональные фото и пиксельные картинки не используют. 
    2. Анимации повышают количество откликов. 
    3. Картинка с эмоциональным откликом, даже отрицательным. Выберите несколько изображений для анимации. Используйте систему «фото до и после». Обыкновенные изображения не слишком полезны. 
    4. Юмор допустим, но на подходящих сайтах. Будет странно, если пользователь изучает трагическую новость, а ему показывают тизерную рекламу с шутками. 
    5. Не используйте картинки из Сети. Это вызовет нарушение авторских прав, не привлечет внимания пользователей. Сделайте уникальную картинку на базе 2-3 неуникальных либо используйте бесплатный контент из фотостоков. 
    \n\n\n\n

    Не забывайте, что картинки и текст сочетаются друг с другом. Например, при продвижении товара для сброса веса не стоит использовать фотографии косметических средств. Выбирайте картинки грамотно. 

    \n\n\n\n

    Рекомендации:

    \n\n\n\n
    1. Для тематики похудения оптимальны фото стройных либо, наоборот, полных людей, изображения полезной еды. Используйте серые и перечеркнутые фото, где показаны люди, которые мучаются от физических нагрузок. 
    2. Для тематики фитнеса оптимальны фото людей, занимающихся бодибилдингом. Используйте фото полезной еды, спортзалов. 
    3. Для тематики финансов оптимальны изображения банкнот, дорогих машин, людей в классических костюмах. На фотографии должны нужны атрибуты богатой жизни. 
    4. Для продвижения косметических средств используйте фото людей с хорошим мейкапом, изображения косметичек. 
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    Стратегии продвижения

    \n\n\n\n

    Есть 3 основных тактики продвижения тизеров: 

    \n\n\n\n
    1. Установление максимальной цены перехода. Плавно уменьшайте цену перехода по мере увеличения количества кликов. 
    2. Установление минимальной стоимости перехода. При использовании подобной стратегии количество важнее качества. Не тратьте много усилий на тизерную рекламу. Понадобятся десятки и, возможно, сотни тизеров. Кликов будет немного, однако благодаря большому числу публикаций получится результат. 
    3. Следование золотой середине. Сделайте среднее число публикаций, установив стандартную цену перехода. 
    \n\n\n\n

    Выбираем тизерную сеть

    \n\n\n\n

    При выборе учитывайте, как соотносится трафик со стоимостью. Информация об этом доступна на главной странице сайта и в особом подразделе. Кроме того, сведения предоставляет техподдержка. По запросу предоставляют подробные статистические сведения. Если потребуется, арбитражник получит информацию по определенным характеристикам. Чем выше эффективность сети, тем подробнее предоставляемые ей статистические сведения. Изучите информацию по операторам, браузерам, через которые люди совершают переходы. Выполнив анализ статистики, решите, стоит ли использовать тизерную сеть. 

    \n\n\n\n

    Изучите белый список сайтов, где будет публиковаться тизерная реклама. Сайты в белом списке не переспамлены, не содержат шок-контент. Удостоверьтесь, что сайты из белого списка тематически соответствуют продвигаемому товару. 

    \n\n\n\n

    После того, как выбрали сеть, решите, публикации какого формата будете применять. Все привыкли к изображениям с текстом, однако доступны и иные форматы: 

    \n\n\n\n
    1. Мессенджер – человеку показывается всплывающий тизер в окне чата. Такие окна напоминают диалоги в соцсетях, мессенджерах. Человеку кажется, что ему отправили сообщение, после чего он совершает клик по объявлению. 
    2. Имитация контекстной рекламы. 
    3. Тизеры в видео. 
    4. Статья – человек замечает завлекающий текст, нажимает на него, происходит переход на нужный сайт. 
    5. Кликандер – неприятный для людей тип тизеров. Суть кликандера состоит в том, что при клике по любой части сайта человека перенаправляет на сайт оффера. Совершив переход, пользователь продолжит просмотр изначальной страницы. 
    6. Тизеры, баннеры. 
    7. Мобильная тизерная реклама – доступна лишь в приложениях. К примеру, человек играет в игру, а вверху показывается окно с рекламой. 
    \n\n\n\n

    Стоит ли арбитражнику работать с тизерными сетями

    \n\n\n\n

    Чтобы принять правильное решение, разберитесь в плюсах и минусах тизеров. Основные достоинства тизерных сетей таковы: 

    \n\n\n\n
    1. Минимальная стоимость. Запустить продвижение возможно, имея 50 руб. В определенных сетях цена клика при минимальном количестве настроек стартует с 5 коп. 
    2. Интригующий заголовок обеспечивает активные переходы по тизеру. 
    3. Ограничений почти нет. Выполняйте продажу чего угодно, за исключением того, что запрещает законодательство. 
    4. Нет тратьте деньги на контент. Создать тизерную рекламу можно без привлечения специалистов в области копирайтинга, дизайна. Публикацию делайте сами за 2-3 мин. 
    5. Есть возможность выбирать аудиторию по разным параметрам: геолокация, браузер, устройство, возрастная категория, половая принадлежность. 
    6. Настроек обеспечат продажу разных товаров, начиная с косметических средств и заканчивая машинами. 
    7. Отсутствуют проблемы с модерацией. Существуют сети с по-настоящему строгими правилами модерации, однако их немного. Публикации, не пропущенные в «Инстаграм», «ВКонтакте», «Одноклассники», точно одобрят в тизерных сетях. Существуют некоторые ограничения, упомянутые выше, однако их очень мало. 
    8. Работа с тизерами не вызывает сложностей. Требуется только найти подходящее предложение, подобрать сеть и внести средства на баланс. 
    \n\n\n\n

    К минусам работы с тизерными сетями относят следующее: 

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    1. «АдБлок» и другое ПО, блокирующее рекламные публикации. Люди подустали от навязчивой рекламы, потому массово используют разные блокировщики, скрывающие почти все рекламные публикации в Сети. Шанс, что пользователи заметят публикацию, ниже, чем в прошлом. 
    2. У пользователей разбегаются глаза. Тизеры не публикуются по одному. Их публикуют блоками, содержащими до 10 тизеров. Пользователь замечает блок с рекламой, после чего его внимание рассеивается. Человек может попросту не увидеть продвигаемый товар, даже если он необходим ему. 
    3. Накрутка кликов. Бывает, что те, кто владеет сетями, активируют разных ботов, накручивающих переходы. Боты выполняют автоматические клики по определенным публикациям для быстрого освобождения места для иных тизеров. По этой причине сотрудничать нужно лишь с надежными площадками, имеющими хорошую репутацию. 
    4. Сложно работать с товарами, которые имеют малую популярность. Сети работают почти с любыми товарами, услугами, однако продвигать узконаправленные офферы сложно. 
    5. Пользователи игнорируют тизеры. Люди попросту не доверяют им. Вероятно, 50% людей, кликнувших по тизерной рекламе, разочаровались. Вместо инфоповода человек увидел большое количество спама, бесполезных сведений. Если пользователь уже несколько раз переходил по тизерам, он вряд ли обратит на них внимание в будущем. 
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    Тизерные сети в банковских офферах

    \n\n\n\n

    Тизерные сети приносят недорогой и, если грамотно все настроить, качественный трафик. Однако помните, что пользователь нажимает на изображение из любопытства, без намерения оформить микрозайм или кредит. В случае с тизерами платят за клики. Лучший вариант – создать несколько кампаний с различными картинками, gif, заголовками, следя за тем, насколько эффективна каждая публикация. 

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    О сервисе Пампаду

    \n\n\n\n

    На платформе Pampadu собраны офферы от банков, МФО. Арбитражник может стать участником партнерской программы, продвигая кредиты, микрозаймы, РКО, ипотеку посредством тизерной рекламы. Чтобы использовать платформу, зарегистрируйтесь. Для этого: 

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    1. Нажмите на «Регистрация». 
    2. Введите ФИО. 
    3. Укажите телефонный номер. 
    4. Введите электронную почту. 
    5. Укажите город. 
    6. Выберите, как планируете работать – в качестве физлица или ИП, ООО. 
    7. Кликните по «Зарегистрироваться». 
    \n\n\n\n
    \"\"
    \n\n\n\n

    После этого авторизуйтесь. Понадобится: 

    \n\n\n\n
    1. Нажать на кнопку входа. 
    2. Ввести электронную почту и пароль. 
    3. Согласиться с правилами платформы. 
    4. Поставить отметку в пункте «Запомнить», если необходимо. 
    5. Подтвердить авторизацию. 
    \n\n\n\n

    Для ознакомления с финансовыми офферами перейдите в раздел «Фин. продукты». После этого выберите один из типов офферов. Доступны такие варианты: 

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    \"\"
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    Тут же доступны статистические сведения. Выбрав тип офферов, изучите перечень доступных предложений. Клик по кнопке «Оформить» перенаправит на страницу банка или МФО. 

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    \"\"
    \n\n\n\n

    Перед тем, как начинать работать с партнерской программой, изучите типы разрешенного трафика. В перечне разрешенного трафика должны присутствовать тизерные сети. В некоторых случаях тизерные сети допустимо использовать после согласования с рекламодателем. 

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    \"\"
    \n\n\n\n

    Платформа Пампаду обеспечивает тем, кто продвигает финансовые офферы, неплохой доход. Например, за каждую оформленную дебетовую карточку «ЮнионПэй» Газпромбанк готов платить по 2600 руб. Деньги зачисляются пользователю в среднем за 35 суток. 

    \n\n\n\n

    Сервис Pampadu предлагает и другие возможности для заработка посредством тизерных сетей. Например, можно продвигать услуги страховых фирм. Компании готовы платить за оформление полисов ОСАГО, КАСКО, страхование ипотеки. Использовать тизерную рекламу в офферах, доступных на Pampadu, нельзя, но можно применять много других источников трафика.

    \n', 'Тизерные сети: что это такое и как с ними работать', 'Тизерные сети – это посредники между web-мастерами и арбитражниками. Подробнее о тизерных сетях и особенностях их выбора рассказано далее. ', 'publish', 'open', 'open', '', 'tizernye-seti-chto-eto-takoe-i-kak-s-nimi-rabotat', '', '', '2023-06-07 11:13:41', '2023-06-07 11:13:41', '', 0, 'https://pampadu.ru/blog/?p=2891', 0, 'post', '', 0), (2892, 1, '2023-06-07 11:00:30', '2023-06-07 11:00:30', '', 'image-7', '', 'inherit', 'open', 'closed', '', 'image-7-2', '', '', '2023-06-07 11:00:30', '2023-06-07 11:00:30', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/image-7.png', 0, 'attachment', 'image/png', 0), (2893, 1, '2023-06-07 11:00:30', '2023-06-07 11:00:30', '', 'регистрация пампаду', '', 'inherit', 'open', 'closed', '', 'image-8-2', '', '', '2023-06-07 11:00:30', '2023-06-07 11:00:30', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/image-8.png', 0, 'attachment', 'image/png', 0), (2894, 1, '2023-06-07 11:00:31', '2023-06-07 11:00:31', '', 'image-9', '', 'inherit', 'open', 'closed', '', 'image-9-2', '', '', '2023-06-07 11:00:31', '2023-06-07 11:00:31', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/image-9.png', 0, 'attachment', 'image/png', 0), (2895, 1, '2023-06-07 11:00:31', '2023-06-07 11:00:31', '', 'image-10', '', 'inherit', 'open', 'closed', '', 'image-10-2', '', '', '2023-06-07 11:00:31', '2023-06-07 11:00:31', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/image-10.png', 0, 'attachment', 'image/png', 0), (2896, 1, '2023-06-07 11:05:19', '2023-06-07 11:05:19', '', '1030х502-5 (3)', '', 'inherit', 'open', 'closed', '', '1030h502-5-3-2', '', '', '2023-06-07 11:05:19', '2023-06-07 11:05:19', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-5-3.jpg', 0, 'attachment', 'image/jpeg', 0), (2899, 13, '2023-06-07 13:38:44', '2023-06-07 13:38:44', '\n

    ? Ипотечное страхование один из востребованных продуктов 2023 года!

    \n\n\n\n

    Хотя бы потому что данный продукт участвует в акции «ТЕПЛОЕ ЛЕТО НА ПАМПАДУ»

    \n\n\n\n

    ?Рассказываем про условия:

    \n\n\n\n

    Оформляйте ипотечные полисы в период с 01.06.23 по 30.06.22 (июнь) на 3, 5, 10 или даже 20 полисов больше, чем за период 01.05.23 по 31.05.23.

    \n\n\n\n

    ⚡️И получайте возможность дополнительно заработать и выиграть ценные призы.

    \n\n\n\n

    Агенты, в рамках данного розыгрыша есть возможность заработать не только на страховании ипотеки, также в акции участвует продукт ОСАГО.

    \n\n\n\n

    ПОДРОБНЕЕ ОБ УСЛОВИЯХ.

    \n\n\n\n

    Участвуйте и выигрывайте!

    \n', 'Участвуйте в акции«ТЕПЛОЕ ЛЕТО НА ПАМПАДУ»', 'Зарабатывай дополнительно на востребованном продукте и получай ценные призы от Пампаду!', 'publish', 'open', 'open', '', 'uchastvujte-v-aktsii-teploe-leto-na-pampadu', '', '', '2023-06-07 13:38:44', '2023-06-07 13:38:44', '', 0, 'https://pampadu.ru/blog/?p=2899', 0, 'post', '', 0), (2900, 1, '2023-06-07 13:37:08', '2023-06-07 13:37:08', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-65', '', '', '2023-06-07 13:37:08', '2023-06-07 13:37:08', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-7.png', 0, 'attachment', 'image/png', 0), (2903, 13, '2023-06-08 09:14:22', '2023-06-08 09:14:22', '\n

    ?Пампаду в твоем смартфоне!

    \n\n\n\n

    В этом году мы запустили приложение Пампаду, которое включает весь функционал платформы.

    \n\n\n\n

    ? Продолжаем работать над его улучшением:
    — Решили проблему разавторизации - теперь ничего не отвлекает от заработка на Пампаду.
    — Полис можно скачать прямо из приложения.
    — Ссылки на внешние страницы теперь открываются в браузере, что делает работу более удобной.

    \n\n\n\n

    Обновления вышли в Google Play и в App Gallery
    (об обновлении в App Store сообщим отдельно).
    Скачать/обновить приложение можно по ➡️ ССЫЛКЕ.

    \n\n\n\n

    По ссылке выше вы также можете оставить отзыв.

    \n\n\n\n

    ?Будем очень признательны за ваши положительные отзывы в Google Play, App Store и App Gallery!

    \n\n\n\n

    С заботой о вас, команда Пампаду!

    \n', 'Приложение Пампаду', 'Запустили приложение Пампаду, которое включает весь функционал платформы.\nОб улучшениях приложения расскажем в этой статье.', 'publish', 'open', 'open', '', 'prilozhenie-pampadu', '', '', '2023-06-08 09:14:22', '2023-06-08 09:14:22', '', 0, 'https://pampadu.ru/blog/?p=2903', 0, 'post', '', 0), (2904, 1, '2023-06-08 09:14:12', '2023-06-08 09:14:12', '', '1030х502-1', '', 'inherit', 'open', 'closed', '', '1030h502-1-19', '', '', '2023-06-08 09:14:12', '2023-06-08 09:14:12', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-1-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2907, 13, '2023-06-08 14:02:21', '2023-06-08 14:02:21', '\n

    У тебя есть возможность заработать на оформлении полисов ОСАГО больше, чем в прошлом месяце и получить дополнительно 100 рублей за каждый полис по СК: МАКС и РОСГОССТРАХ на Пампаду.ру

    \n\n\n\n

    В акции участвуют СК: Росгосстрах, МАКС.

    \n\n\n\n

    ? Продавай в июне больше, чем мае и получи дополнительные бонусы на счет в личном кабинете или возможность выиграть ценные призы от Пампаду.ру!

    \n\n\n\n

    В рамках данного розыгрыша есть возможность заработать на оформлении полисов ОСАГО, также в акции участвует продукт ипотечного страхования.

    \n\n\n\n

    ? ПОДРОБНЕЕ ОБ УСЛОВИЯХ

    \n\n\n\n

    Зарабатывайте больше вместе с Пампаду!

    \n', '☀️Лето - это время зарабатывать деньги и принимать участие в акции Пампаду!', 'Акция которая принесет тебе возможность заработать на оформлении полисов ОСАГО!', 'publish', 'open', 'open', '', 'leto-eto-vremya-zarabatyvat-dengi-i-prinimat-uchastie-v-aktsii-pampadu', '', '', '2023-06-08 14:02:21', '2023-06-08 14:02:21', '', 0, 'https://pampadu.ru/blog/?p=2907', 0, 'post', '', 0), (2908, 1, '2023-06-08 14:02:13', '2023-06-08 14:02:13', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-66', '', '', '2023-06-08 14:02:13', '2023-06-08 14:02:13', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-8.png', 0, 'attachment', 'image/png', 0), (2911, 15, '2023-06-09 12:15:28', '2023-06-09 12:15:28', '\n

    API traffic это тип трафика, состоящий из 2 стадий. На 1-м этапе пользователь выполняет целевое действие на сайте web-мастера. Последний выполняет передачу информации о действиях человека в CPA-систему либо прямому рекламодателю. Вся процедура выполняется посредством API-платформы – она позволяет обмениваться пользовательской информацией. 

    \n\n\n\n

    API – набор определенных программистом методов, функций и протоколов. Они описываются в документации, предназначены для работы с приложением, платформой. API позволяют создавать программы, которые взаимодействуют с другими сервисами. У разработчиков есть возможности для создания сложных, функциональных приложений и сервисов с использованием функционала сторонних ресурсов. 

    \n\n\n\n

    С помощью API автоматизируют множество задач, повторяемых каждый день, например, получение информации с сайтов, ее анализ. Известные сервисы, например, Twitter, Facebook, Instagram, предоставляют API разработчикам. 

    \n\n\n\n

    API делают разработку программного обеспечения эффективной и упрощают процесс интеграции приложений. Они позволяют создавать универсальные методы работы с приложениями, что позволяет разработчикам использовать их в проектах. 

    \n\n\n\n

    Для чего нужны мультизаявки и как они помогают вебмастерам

    \n\n\n\n

    API трафик – это то, что проходит через мультизаявки. При стандартном заливе используют ссылку на определенное предложение, на которое заливают трафик. Это обеспечивает направление людей, которых привлекли, на конкретный оффер. 

    \n\n\n\n

    При использовании мультизаявок дело обстоит иначе. Оформляя заявку, человек указывает сведения в форме. Обычно указывают ФИО, телефон, электронную почту. При оформлении ОСАГО понадобится подготовить СТС, ПТС, диагностическую карту для автомобилей старше 4 лет, водительские права. 

    \n\n\n\n

    Как работают мультизаявки на Пампаду

    \n\n\n\n

    Использование мультизаявки начинается с того, что лид оказывается в системе Pampadu. После этого лид проходит через особый фильтр, позволяющий определить, соответствует ли он конкретным страховым организациям. Все делается в автоматическом режиме, потому отнимает минимум времени. После фильтра формируется список страховых, которым подходит лид. 

    \n\n\n\n

    Виджет предназначен для запуска продажи страховок ОСАГО или ипотеки на сайте, либо в приложении. Кроме того, виджет позволяет рассылать ссылки. Переходя по ним, пользователи могут выполнять расчет, сравнение, покупку страховых полисов. Агенту зачисляется за это вознаграждение. 

    \n\n\n\n

    Почему арбитражнику выгодно использовать API-трафик

    \n\n\n\n

    Преимущества API-трафика таковы: 

    \n\n\n\n
    1. Мы предусматриваем условия, при которых наша платформа осуществляет автоматический подбор нескольких предложений для конкретного человека. Это означает, что при дублировании лида либо отказе у определенного страховщика система выполняет автоматическое направление к иной компании. Это предотвращает перегрузку клиента, позволяет найти максимальное количество вариантов конверсии лида. 
    2. Один человек, которого привлекли, принесет вознаграждение как за подтверждение заявки, так и за оформление страховки. Конверсия одного человека у 3-4 рекламодателей позволяет получить вознаграждение за 3-4 лида. 
    3. Прибыль web-мастера при использовании мультизаявок больше, чем при применении прямых предложений. 
    \n\n\n\n

    API предусматривает автоапдейты. Достаточно выполнить обновление данных 1 раз. После этого будет выполнено обновление сведений на всех требуемых площадках. Также API позволяет получать статистическую информацию в режиме реального времени. Доступны все статистические сведения, распределенные по категориям за разные периоды. Можно проверить число переходов, посетителей, количество заявок. 

    \n\n\n\n

    API обеспечивает автоматизацию рабочих процессов. Появляется возможность автоматического создания и оптимизации определенных кампаний для каждого вида трафика. Также API предусматривает управление кампаниями посредством скриптов, изменение ставки, запуск, остановку, добавление зон в черные списки. 

    \n\n\n\n

    API-трафик обеспечивает «плавную» интеграцию между сервисами. Такой трафик позволяет не выполнять перенос сведений из одной информационной базы в другую, адаптируются к разным видам интерфейсов. Это ускоряет рабочие процессы. 

    \n\n\n\n

    Как работает виджет для финансовых офферов

    \n\n\n\n

    Виджет финансового оффера встраивают на сайт. Виджет содержит каталог банковских продуктов для пользователей сайта. Инсталлировать его можно за 5 мин. Главное – иметь возможность редактировать контент сайта. 

    \n\n\n\n

    Доход за все продажи, которые оформляются по ссылкам виджета, будет зачисляться так же, как и при размещении рефералок в соцсетях. Все полученные лиды приведены в разделе статистики. 

    \n\n\n\n

    О сервисе Пампаду

    \n\n\n\n

    Платформа Pampadu позволяет использовать витрины, виджеты. Витрины представляют собой сайты с офферами страховщиков. Перейдя на витрину, человек сам указывает подходящий оффер, выполняет оформление. Вам начисляется выплата. 

    \n\n\n\n

    Pampadu позволяет сделать виджет для сайта или полноценную витрину за 3 мин. Для этого, авторизовавшись в личном кабинете, следуйте такому алгоритму: 

    \n\n\n\n
    1. Кликните по «Создать». 
    2. Выполните настройку дизайна. Сначала укажите название виджета или витрины. 
    3. Выберите тип виджета или витрины. Виджет-каталог оптимален, если нужно нативно интегрировать перечень страховых офферов на сайт. Виджет-витрина предусматривает дополнительные функции. Еще доступен сайт-витрина. 
    4. Настройте внешний вид виджета или витрины. 
    5. Кликните по «Дальше». 
    6. Выберите предложения. Предусмотрены фильтры по конкретным страховым продуктам. 
    7. Нажмите на «Дальше». 
    8. Введите идентификатор счетчика Яндекс.Метрики. 
    \n\n\n\n
    \"\"/
    \n\n\n\n

    Большую часть времени web-мастера тратят на то, чтобы оптимизировать маркетинговую кампанию, бюджет, найти целевой трафик, выйти в положительный ROMI. Тем, кто пользуется Pampadu, доступна настройка Яндекс.Метрики на виджете. Это позволяет web-мастеру оптимизировать собственные маркетинговые кампании. Для отслеживания конверсий на виджете нужно: 

    \n\n\n\n
    1. Копировать идентификатор счетчика Яндекс.Метрики. 
    2. Внести идентификатор счетчика метрики в конструктор виджета. 
    3. Создать новую цель в подразделе «Цели» интерфейса сервиса. Понадобится указать название и тип цели, задать регулярное выражение номера, кликнуть по клавише «Добавить цель», чтобы сохранить изменения. 
    \n\n\n\n
    \"\"/
    \n\n\n\n

    На этом настройка цели завершается. Выполняйте запуск маркетинговых кампаний, применяя стратегию «Оплата за конверсии», оплачивая переходы на банковский сайт. Это обеспечит эффективное расходование бюджета, выделенного на рекламу. 

    \n\n\n\n

    После ввода номера счетчика в Яндекс.Метрике кликните по «Дальше». Копируйте код из соответствующей строки, вставьте в тег <body> в коде сайта. Копируйте ссылку на витрину для использования в маркетинговых публикациях. Ссылку дополняют UTM-метками на собственное сохранение. Не забудьте нажать «Завершить». 

    \n\n\n\n

    При настройке дизайна виджета или витрины доступны цвета. Предусмотрено 2 варианта показа предложений на витрины: списки, карточки. При добавлении офферов доступна функция «Добавить все». Также добавляют предложения банков вручную. 

    \n\n\n\n

    Используйте платформу Pampadu, чтобы лить API-трафик, эффективно продвигать страховые офферы. Сервис подходит для заработка на продаже страховых полисов, привлечении клиентов по партнерским ссылкам. Выплаты начисляются в сжатые сроки. Pampadu предусматривает варианты заработка от лучших банковских и страховых организаций.

    \n', 'Что такое API-трафик простыми словами и как он работает', 'Вебмастера привыкли лить прямой трафик на трекинговую ссылку. Однако используют и API traffic это способ, предусматривающий использование мультизаявок. \n', 'publish', 'open', 'open', '', 'chto-takoe-api-trafik-prostymi-slovami-i-kak-on-rabotaet', '', '', '2023-06-09 12:15:28', '2023-06-09 12:15:28', '', 0, 'https://pampadu.ru/blog/?p=2911', 0, 'post', '', 0), (2913, 1, '2023-06-09 12:16:39', '2023-06-09 12:16:39', '', '1030х502-6 (3)', '', 'inherit', 'open', 'closed', '', '1030h502-6-3-2', '', '', '2023-06-09 12:16:39', '2023-06-09 12:16:39', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-6-3.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (2915, 15, '2023-06-09 12:36:21', '2023-06-09 12:36:21', '\n

    Монетизация – это процесс превращения имеющихся ресурсов в прибыльное предприятие. В статье мы рассмотрим основные понятия и принципы монетизации онлайн, которые подойдут для любого активного пользователя интернета. Сервис партнерских продаж PAMPADU – доступное средство для монетизации сразу нескольких ресурсов. Рассказываем подробнее, как это сделать. 

    \n\n\n\n

    Что такое монетизация

    \n\n\n\n

    Суть монетизации – это превращение имеющегося ресурса или идеи в прибыльный проект. Монетизировать – это означает конвертировать актив или ресурс в деньги. Как работает монетизация– она позволяет компаниям и предпринимателям зарабатывать на своей деятельности или реинвестировать доходы в развитие своего бизнеса. 

    \n\n\n\n

    Денежная монетизация – превращение в деньги. Это не всегда означает продажу. Это может быть заработок с помощью какого-либо ресурса. Монетизировать можно имеющиеся материальные активы (продать помещение, землю, оборудование, либо заставить их работать и приносить прибыль). Также можно монетизировать время – не сидеть на месте, а заняться заработком денег. Кроме времени, наиболее доступный конвертации в деньги ресурс – это выход в интернет и умение им пользоваться. 

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    Примеры монетизации онлайн: 

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    Выбор метода зависит от типа бизнеса, его целей и аудитории. 

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    Монетизация трафика

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    Монетизация трафика – это процесс получения дохода от посещения сайта, просмотра рекламы и других действий пользователей в Интернете. Методы монетизации трафика: 

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    Монетизация трафика зависит от качества контента, аудитории, конкуренции и выбранного метода. 

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    Монетизация социальных сетей

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    Монетизация социальных сетей – это процесс получения дохода от использования социальных сетей, таких как ВКонтакте, Одноклассники и других. Как работает монетизация в социальных сетях: 

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    Эти методы подойдут не только для соцсетей, но и для мессенджеров (например, Telegram), которые переживают сейчас пик популярности и вытесняют соцсети. 

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    Модели монетизации 

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    Модели монетизации – это способы оплаты рекламы в Интернете. Существует несколько основных моделей: 

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    Выбор модели зависит от целей рекламодателя. Например, CPM может быть полезен для бренда, который хочет повысить осведомленность о своем продукте, в то время как CPC или CPA могут быть полезны для компаний, которые хотят получить больше трафика на свой сайт или увеличить свои продажи. Важно контролировать бюджет и результаты каждой рекламной кампании, чтобы оставаться в плюсе.

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    Кому подходит монетизация

    \n\n\n\n

    Монетизация подходит для различных типов онлайн-бизнеса и может быть эффективна для различных категорий людей:

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    Монетизация может быть эффективна для людей, которые хотят заработать дополнительный доход, работая на себя и управляя своим временем, например, для студентов, домохозяек, фрилансеров и других. Важно помнить, что процесс требует усилий и времени. Необходимо выбрать наиболее подходящий метод, создать качественный контент, привлекать посетителей и подписчиков, тестировать различные способы и анализировать результаты.

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    Какие сайты можно монетизировать

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    Практически любой сайт можно монетизировать. Для любой тематики и конкретного контента можно подобрать рекламу сопутствующей тематики или подходящий под аудиторию оффер. Что можно легко монетизировать, пользуясь доступными инструментами:

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    Это далеко не полный список, подходящий метод и конкретный оффер можно подобрать под любую тематику и специфику. 

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    Когда лучше начинать монетизацию

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    Начинать монетизацию своего сайта или блога следует тогда, когда у вас уже есть достаточное количество посетителей и контента, который заинтересовал вашу аудиторию. Чем больше посетителей, тем больше вероятность того, что вы сможете сделать прибыльным свой сайт или блог. Однако не стоит слишком спешить с началом. Сначала убедитесь, что ваше содержание полезно для вашей аудитории. Если пользователи находят ваш контент полезным, они будут возвращаться на ваш сайт, делиться вашим контентом и рекомендовать его друзьям. 

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    Если вы начнете монетизировать свой сайт или блог раньше, чем у вас будет достаточно посетителей или контента, это может повредить вашей репутации и отпугнуть ваших посетителей. Лучшее время для начала – это когда вы уверены в полезности своего контента и у вас достаточно посетителей. 

    \n\n\n\n

    Как подготовить сайт к монетизации

    \n\n\n\n

    Правильная подготовка сайта поможет вам достичь результата. Как это сделать: 

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    Сколько можно заработать

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    Сумма заработка на монетизации сайта или страницы в социальной сети зависит от количества посетителей и подписчиков, качества контента, тематики, и выбранного метода. Сумма оплаты зависит от того, насколько полезен ваш трафик для рекламодателей. 

    \n\n\n\n

    Некоторые блогеры зарабатывают пару долларов в месяц, а некоторые получают доход в тысячи и десятки тысяч долларов. Важно понимать, что монетизация сайта или страницы в социальной сети – это процесс, который требует усилий и времени. Чтобы добиться прибыльности, необходимо постоянно улучшать качество контента, привлекать новых посетителей и подписчиков, тестировать методы и анализировать результаты. 

    \n\n\n\n

    Самый понятный метод монетизации относительно расчетов будущего заработка – партнерские программы. В ПП вы сами выбираете оффер, который вам нравится – например, по размеру вознаграждения за целевое действие. Если вы используете партнерский сервис, то он тоже заинтересован в вашем успехе и предоставит нужные для работы инструменты – аналитику, обучающие статьи, виджеты и т.д. 

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    Виджеты Пампаду

    \n\n\n\n

    Виджеты и витрины Pampadu позволяют увеличить доход, обеспечивают легкую интеграцию и запуск продаж продвигаемых продуктов на сайте либо в приложении. Можно менять их внешний вид по своему желанию либо использовать подготовленные шаблоны. 

    \n\n\n\n

    Агент делится ссылками на виджеты с пользователями. Перейдя по ссылке, человек сравнивает разные продукты, проводит расчеты, подает заявку на оформление продукта. 

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    Чтобы монетизировать сайт, необязательно даже переделывать его структуру. Достаточно добавить на него виджет партнерского сервиса Пампаду. Виджет будет содержать вашу партнерскую ссылку и описание офферов. Не придется ничего оформлять вручную, что исключить неточности и обезопасит партнера от нарушений условий оффера при оформлении. 

    \n\n\n\n

    Виджеты на сайте pampadu.ru содержатся в личном кабинете в меню слева, в разделе «Вебмастеру». Там есть 2 подраздела: Страхование и Финансовые продукты. 

    \n\n\n\n

    Виджет Пампаду, помогающий продвигать продукты страхования – это калькулятор ОСАГО или ипотечного страхования. 

    \n\n\n\n
    \"Screenshot.png\"/
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    Выбирайте цвет оформления, ширину виджета, напишите свои заголовок и подзаголовок. 

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    В подразделе «Финансовые продукты» пользователь Пампаду сделает виджет – каталог или витрину. В каталоге в одном модуле будут все офферы, которые агент доставит в конструкторе. Офферы оформляются списком или карточками. 

    \n\n\n\n
    \"Screenshot
    \n\n\n\n

    В виджет-витрину загружается собственное изображение. Это расширяет возможности пользовательского креатива. Но изображение не должно нарушать условие всех задействованных офферов. Оформит список офферов также можно списком или карточками, и выбрать цветовую схему оформления.

    \n\n\n\n
    \"Screenshot
    \n\n\n\n

    К виджету добавляется аналитика для отслеживания продаж. Создание виджета для финансовых офферов делается в 4 шага и занимает 5-10 минут. 

    \n\n\n\n

    О сервисе Пампаду

    \n\n\n\n

    Сервис партнерских продаж Пампаду поможет вам монетизировать сайт, блог, страницу в соцсети, канал в Телеграм, а еще время и навыки. На сервисе есть не только виджеты, но и другие инструменты для результативного заработка. Например:

    \n\n\n\n\n\n\n\n

    Партнерский сервис Pampadu готов помогать агентам с монетизацией в интернете, ведь он тоже заинтересован в продвижении своих офферов. От агента требуется только разрешенный источник трафика (сайт, соцсеть и т.д.), аудитория и желание работать и выполнение условий офферов.

    \n', 'Монетизация: что это простыми словами и для чего нужна', 'Статья объясняет основные понятия и принципы монетизации сайта, социальной сети или блога. В статье рассмотрены различные методы монетизации, а также рассмотрены ключевые факторы, влияющие на ее результативность.', 'publish', 'open', 'open', '', 'monetizatsiya-chto-eto-prostymi-slovami-i-dlya-chego-nuzhna', '', '', '2023-06-09 12:36:21', '2023-06-09 12:36:21', '', 0, 'https://pampadu.ru/blog/?p=2915', 0, 'post', '', 0), (2916, 1, '2023-06-09 12:27:42', '2023-06-09 12:27:42', '', '1030х502-6 (4)', '', 'inherit', 'open', 'closed', '', '1030h502-6-4-2', '', '', '2023-06-09 12:27:42', '2023-06-09 12:27:42', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-6-4.jpg', 0, 'attachment', 'image/jpeg', 0), (2918, 13, '2023-06-09 12:32:57', '2023-06-09 12:32:57', '\n

    ⚡️Сервис страхования Ипотеки стал еще удобнее:

    \n\n\n\n
    1. Теперь можно оформить полис день в день в ВСК, Энергогаранте, Альфастрахование, Ренессанс, а по другим СК минимальная дата начала действия полиса - на следующий день.
    2. Подсказки о неверной дате начала действия если дата кредитного договора конфликтует с началом страхования - Вы получите уведомление.
    3. Чеки вместе с полисом можно скачать после этапа оплаты (уже по трем СК). Мы знаем как часто чек необходим в банке, но не всегда легко найти его на почте.
    \n\n\n\n

    ?Учли ошибки и пожелания, о которых вы нам сообщали:

    \n\n\n\n

    — Время действия ссылки на оплату по Альфастрахования увеличили до конца дня вместо 20 минут, можно комфортно проводить оплату до конца суток.
    — Исправлены ошибки определения адреса для компании ВСК - это означает меньше отказов при получении ссылки на оплату.
    — Предложим оформление через менеджера в случае отказа в оформлении онлайн.

    \n\n\n\n

    Если вы знаете что еще улучшить в процессе оформления ипотеки - напишите нам в чат поддержки и мы обязательно сделаем.

    \n\n\n\n

    И не забывайте об акции Июня, где можно получить до +8 тыс. руб. бонусом и выиграть смартфон, продавая ипотечные полисы на Пампаду.

    \n\n\n\n

    ?Продуктивного дня!

    \n', 'Улучшение ипотечного страхования', 'Сервис страхования Ипотеки стал еще удобнее!\nПодробнее про изменения в данной статье.', 'publish', 'open', 'open', '', 'uluchshenie-ipotechnogo-strahovaniya', '', '', '2023-06-09 12:32:57', '2023-06-09 12:32:57', '', 0, 'https://pampadu.ru/blog/?p=2918', 0, 'post', '', 0), (2919, 1, '2023-06-09 12:32:36', '2023-06-09 12:32:36', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-67', '', '', '2023-06-09 12:32:36', '2023-06-09 12:32:36', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-9.png', 0, 'attachment', 'image/png', 0), (2922, 13, '2023-06-09 12:48:36', '2023-06-09 12:48:36', '\n

    Сервис партнерских продаж Pampadu стоит на страже интересов своих партнеров – компаний и арбитражников. Для этого на сервисе применяются инструменты антифрода, или защиты от мошенничества. В статье рассматриваются виды мошенничества, риски и последствия, а также методы и инструменты для обнаружения и предотвращения мошеннических действий. Рассматриваются подходы к созданию системы антифрода на основе технологий, таких как аналитика данных, машинное обучение и биометрические технологии. Статья представляет полезную информацию для бизнеса, который хочет обеспечить безопасность своих клиентов и защитить себя от мошенничества в онлайн-среде.

    \n\n\n\n

    Что такое антифрод

    \n\n\n\n

    Антифрод – это система мер по предотвращению и борьбе с мошенничеством. Например, в партнерских сервисах или в партнерских программах банков. Антифрод в партнерском сервисе нужен, чтобы компании-клиенты партнерского сервиса получали нужный им целевой трафик. Чтобы они не тратили выделенные на вознаграждения партнерам деньги впустую. Антифрод в банке – это комплекс мер, который защищает банки от мошеннических действий с картами, бонусами, партнеркой банка. 

    \n\n\n\n

    Чтобы понимать, что значит антифрод, стоит освоить понятие «фрод». Дословно это переводится как «мошенничество». Партнерское мошенничество относится к схеме, использующей партнерские маркетинговые программы компании, которые предлагают компенсацию за отправку трафика через шлюзы, подводящие клиентов к продажам. Эта форма мошенничества реализуется путем принудительного пропуска через сайт «плохого» трафика. Такой трафик не приводит к продаже.

    \n\n\n\n

    Партнерское мошенничество легко обмануть. С точки зрения масштабирования, такая маркетинговая программа, основанная на результатах, может быть приемлемой практикой. Но она предоставляет партнерам возможность регистрации, а затем использовать программы вознаграждения, которые не были оптимизированы от фрода. 

    \n\n\n\n

    Партнерский фрод использует преимущества любой модели партнерских платежей, которая у вас есть. В зависимости от того, как ваша компания вознаграждает аффилированных маркетологов, вредоносные методы для запуска этих вознаграждений включают:

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    Эксплойты с оплатой за использование:

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    Согласно отчету Juniper Future Digital Advertising: Artificial Intelligence & Advertising Fraud 2019-2023, к 2023 году общие потери рекламодателей от фрода вырастут до 100 миллиардов долларов. 

    \n\n\n\n

    Если это влияет на ваш бизнес, лучшим сценарием будет понимание того, что тратите маркетинговые деньги не на тех людей, и расторгнете контракт. Но проблема в том, что к тому времени, когда вы выполняете анализ работы аффилиата, уже слишком поздно.

    \n\n\n\n

    Фрод, при существующем уровне технологий анонимизации в сети – явления неустранимое. Существует прямая зависимость между мошенничеством с партнерками и числом промо-акций. Для сокращения ущерба применяется антифрод. Его задача – вовремя реагировать на постоянно возникающие схемы обхода условий партнерского заработка, а в идеале – выставлять преграды мошенникам заранее. 

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    Антифрод система использует аналитику данных и машинное обучение для поиска аномалий в поведении клиентов и определения рисковых транзакций. Также используются биометрические технологии для авторизации пользователей и предотвращения мошеннических действий. Антифрод может применяться не только в ПП и партнерских сервисах, но и в электронной коммерции, финансовом секторе. Они помогают защитить бизнес от ущерба, который может быть причинен мошенническими действиями, а также обеспечить безопасность клиентов. 

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    Элементы системы антифрода: 

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    Система антифрода помогает защитить бизнес от мошенничества и обеспечить безопасность клиентов.

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    Как работает антифрод-проверка

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    Антифрод-проверка в партнерских программах – это система мер, направленных на предотвращение мошенничества в партнерских программах. Она может использоваться как для защиты рекламодателя от мошеннических действий со стороны партнеров, так и для защиты партнеров от мошеннических действий со стороны рекламодателя. Система антифрод-проверки – это процедуры и инструменты для проверки партнеров и транзакций. Например, для проверки партнеров существует верификация личности, проверка источника трафика, анализ работы и другие методы.

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     Для проверки транзакций применяется аналитика данных, машинное обучение и другие технологии. Элементы системы антифрод-проверки в партнерских программах: 

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    Без антифрод-проверки высок риск потратить бюджет на продвижение через партнерку впустую.

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     Уязвимость антифрода

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    Уязвимость антифрода – это слабое место в защите от мошенничества, которое используется фродерами для проведения мошеннических действий. Причины уязвимости антифрода: 

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    Для устранения уязвимостей системы антифрода необходимо использовать современные технологии и методы, такие как аналитика данных, машинное обучение и биометрические технологии. Также необходимо обеспечить полную автоматизацию системы антифрода и обновлять ее регулярно для адаптации к изменениям в мошеннических схемах. Уязвимость антифрода является постоянной угрозой для бизнеса и требует непрерывного мониторинга и улучшения системы защиты.

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    Антифрод в арбитраже

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    Мошенничество в арбитраже может происходить как со стороны арбитражников, так и со стороны веб-мастеров и партнеров. Это приводит к неправомерным выплатам и ущербу для рекламодателей. 

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    Методы антифрода в арбитраже трафика: 

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    Система антифрода в арбитраже трафика должна быть гибкой и адаптивной, чтобы быстро реагировать на изменения в мошеннических схемах и защищать интересы рекламодателей. Для этого нужна координация между участниками арбитражного процесса (рекламодатели, арбитражники, веб-мастера), чтобы обменяться информацией и выявлять мошеннические действия. 

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    О сервисе Пампаду

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    Партнерский сервис Пампаду – это площадка, на которой можно заработать на партнерских программах банков, МФО и страховых компаний. Вам потребуется всего 1 аккаунт, чтобы работать со всеми офферами на платформе. Разработчики сервиса создали его, используя опыт в онлайн-страховании. 

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    Теперь среди офферов Пампаду:

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    Площадка Pampadu собирает выгодные офферы финансовых и страховых организаций – выплаты партнерам на платформе выше, чем у конкурентов. Компания гарантирует честность и честность по отношению к агентам – если соблюдены условия оффера, выплаты поступают на счет агента в полном объеме. 

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    \"\"
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    Разнообразие офферов и прибыльность для партнеров, конечно же, привлекает на сервис мошенников. Но компаниям, предлагающим офферы, также нечего опасаться – на Пампаду продвинутый антифрод. В команде сервиса – профессионалы в IT, во главе с техническим директором. Это значит, что все программные меры антифрода на сервисе применены и постоянно меняется. Сервис обладает аналитическими инструментами, в том числе доступными для самих агентов. Агенты отслеживают свои результаты, а сервис следит за подозрительными действиями и трафиком партнеров, препятствуя фроду. 

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    \"\"
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    Другие преимущества платформы:

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    Pampadu – это партнерский сервис, на котором можно заработать, не прибегая к сомнительным схемам фрода. Схемы по фроду всегда раскрываются, а пользователь блокируется. А освоив честный заработок в качестве агента банков, вы получите легальный источник дополнительного дохода, который может стать и постоянным заработком.

    \n', 'Антифрод: что это такие и как работает', 'Антифрод – это совокупность технологий и процедур для защиты от мошеннических действий. Статья рассказывает о мероприятиях для предотвращения мошенничества в партнерских программах и сервисах. ', 'publish', 'open', 'open', '', 'antifrod-chto-eto-takie-i-kak-rabotaet', '', '', '2023-06-09 12:48:36', '2023-06-09 12:48:36', '', 0, 'https://pampadu.ru/blog/?p=2922', 0, 'post', '', 0), (2923, 1, '2023-06-09 12:42:30', '2023-06-09 12:42:30', '', '1030х502-7 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-7-1', '', '', '2023-06-09 12:42:30', '2023-06-09 12:42:30', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-7-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2924, 1, '2023-06-09 12:47:11', '2023-06-09 12:47:11', '', '1686314816714', '', 'inherit', 'open', 'closed', '', '1686314816714', '', '', '2023-06-09 12:47:11', '2023-06-09 12:47:11', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1686314816714.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (2928, 13, '2023-06-09 12:58:16', '2023-06-09 12:58:16', '\n

    Вопрос правдивости информации всегда актуален. Как проверить достоверность данных, получаемых из новостей, пресс-релизов, рекламных постов? Фактчекинг предлагает как отдельные методики, так и специальные программы, анализирующие информацию.

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    Fact checking (фактчекинг) – это процесс проверки фактов, утверждений и информации на достоверность и точность. Далеко не все из новостных ресурсов гарантируют достоверность информации. Нужны специальные команды, которые занимаются проверкой новостей и других материалов.

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    Фактчекеры используют специальные методики для определения того, является ли приведенная в статье или сообщении информация правдивой. Они делают интервью с экспертами, анализируют статистику, проверяют фото- и видеоматериалы. 

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    Что такое фактчекинг

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    Фактчекинг – это проверка информации на достоверность и одновременно инструмент журналистики, интернет-коммуникаций и общественного контроля. Его задача – обезопасить информационное пространство от ложных новостей и манипуляций.

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    Проверка фактов может осуществляться разными способами: от анализа информации экспертами до использования автоматизированных систем или специальных программ. При этом учитывают не только точность данных, но и контекст, в котором они используются.

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    Организации, практикующие fact checking, чаще работают на некоммерческой основе и имеют в штате экспертов, специализирующихся в разных областях.

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    Такие компании могут сотрудничать с другими организациями, например, для проверки информации международного формата.

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    Фактчекинг – необходимый элемент информационного пространства, помогающий сохранять доверие к СМИ. Он полезен для повышения качества публичного дискурса и борьбы с дезинформацией.

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    Зачем нужен фактчекинг

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    Целями этого процесса являются:

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    В РФ с 1991 года действует «Закон о СМИ», который запрещает распространять недостоверную информацию. За нарушение российского законодательства предусмотрена ответственность вплоть до уголовной.

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    Фактчекинг способствует осознанному принятию решений. Если пользователь ресурса будет полагаться только на интуитивный подход к оценке новостей или событий, то его проще будет дезориентировать.

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    Сферы применения 

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    Изначально fact checking был инструментом журналистики. За последние 20 лет эта практика получила распространение в других сферах общественной жизни.

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    Фактчекинг может быть полезен для политических кампаний. Кандидаты могут использовать эту практику для проверки информации об оппонентах или подкрепления аргументов для диспута достоверными данными.

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    Инструмент применяется в научных исследованиях. Ученые используют методики fact checking для проверки точности данных, которые получают в ходе экспериментов или анализа статистической информации. 

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    Фактчекинг также используют:

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    Методики fact checking полезны обществу. Люди могут использовать эту практику для проверки информации, которую они получают из различных источников: социальных сетей, блогов, новостных сайтов.

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    Ниши в арбитраже трафика: применение фактчекинга

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    Методики fact checking востребованы и в арбитраже трафика. Компании покупают рекламный трафик на низкодоходных сайтах или в соцсетях и направляют его на высокодоходные сайты. Цель этого действия – заработать на разнице между тратами на покупку трафика и доходом от продаж. 

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    Арбитражники используют для работы с трафиком прямые ссылки, контент-маркетинг, социальные сети. Однако почти все методы имеют общую черту – низкое качество трафика. Подобная характеристика говорит о рисках подделок (фальшивых кликов) или об использовании владельцами ботов для увеличения количества посещений.

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    В этом случае фактчекинг становится незаменимым инструментом для проверки достоверности данных о посещаемости сайта и привлечения пользователей. Фактчекеры также выявляют скрытые формы рекламы или иные способы манипуляции с трафиком.

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    Фактчекинг также может быть полезен в других областях арбитража трафика, включая мобильные приложения, рекламу на YouTube и платформы для онлайн-игр. Во всех этих случаях фактчекеры помогают определить, где есть риск потерять деньги и какие изменения нужно внести для увеличения доходности.

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    Без фактчекинга организации могут стать жертвами мошенников и понести убытки. Поэтому все больше компаний начинают привлекать фактчекеров для защиты интересов и увеличения доходности бизнеса.

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    Фактчекинг в финансах

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    В области финансов даже небольшая ошибка или неточность может привести к серьезным последствиям.

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    В сегменте финансового фактчекинга используются методы и инструменты, позволяющие определить правдивость информации о компании, доходах, расходах и других базовых показателях. В первую очередь, проверяются отчеты организаций, данные рейтинговых агентств и другие источники.

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    Однако не всегда можно полагаться только на официальную информацию. Поэтому фактчекеры проводят дополнительные исследования и собирают данные из открытых источников: новостных сайтов, социальных сетей, блогов экспертов.

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    Определяющее значение при проведении фактчекинга имеет экспертиза – мнение опытных финансистов, которые помогают определить достоверность информации и выявить «белые пятна».

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    Методы fact checking не гарантируют 100% достоверность информации. Они помогают минимизировать риски и принимать взвешенные решения на основе точной информации. Поэтому в области финансового фактчекинга чаще используются другие инструменты – аналитика, моделирование, экспертные оценки.

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    Использование этого метода в финансовом секторе уменьшить вероятность серьезных ошибок в ведении бизнесе или планировании инвестиций.

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    Как проводить фактчекинг

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    Разработана масса рекомендаций по проведению фактчекинга. Алгоритм зависит от области, в которой проводится проверка. Базовую схему можно представить следующими этапами:

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    Так при работе со статьями и материалами, предоставленными СМИ следует придерживаться следующих рекомендаций:

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    Часто это интервью, видео или аудиозапись, документация. Если речь идет об официальных новостях, то обращаются к официальным сайтам госслужб, судебной документации, если о компаниях и научных достижениях – то к отчетам, оригиналам научных работ, архивам.

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    Комментарий позволит установить достоверность, опровергнуть или подтвердить материал СМИ. Более того, экспертное мнение можно использовать, чтобы дополнить публикацию, придав ей больший вес. При выборе эксперта необходимо обратить внимание на его специализацию, опыт, авторитет в области. Можно узнать мнение нескольких экспертов, даже с противоречащими друг другу точками зрения, чтобы дать читателю пищу для размышлений.

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    Проверка изображений на достоверность обязательная, если они используются для подачи материала. Время, место, участники – все это проверяется заранее, иначе автора могут обвинить в создании фейков.

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    Также стоит проверить и источники, вышедшие на другом языке. Это почти обязательная процедура, если материал касается международных событий. Проверка иностранных источников не только подтвердит или опровергнет достоверность фактов, но и позволит ссылаться на них при подготовке материала.

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    Часть информации можно найти в социальных сетях, ведь далеко не весь материал представлен в официальных пресс-релизах. При этом важно пользоваться информацией только с проверенных аккаунтов с верификацией и авторским контентом на странице. Если информация появилась на нескольких ресурсах, то это повышает ее достоверность.

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    При анализе текста необходимо понимать контекст и особенности жанра (новости, комментарии, блоги), чтобы правильно оценить его содержание. В первую очередь, обращают внимание на ключи, цифры, статистические данные.

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    В процессе проверки фактов представленную информацию сравнивают с уже имеющимися данными. Статистические данные уточняют в официальных источниках. 

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    Не менее важно авторство. Если автор ссылается на официальную документацию, то следует проверить ее достоверность. Информацию, неподкрепленную доказательствами, стоит рассматривать с осторожностью.

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    Чек-лист по fact checking для компании выглядит иначе:

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    При проверке текстов компании следует избегать категоричных выражений (популярнейший), а также быть осторожными с рейтингами – использовать только заслуживающие доверия исследования.

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    Источники поверки информации

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    В качестве базовых источников рекомендуется использовать:

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    Если используются иные источники, то стоит уточнить репутацию автора (является ли экспертом в области), наличие ссылок на первоисточники, оценочные суждения (объективность подачи материала). Приветствуется использование специальных сервисов для фактчекинга.

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    Обязателен ли фактчекинг

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    Информацию перед публикацией нужно проверять, вне зависимости от ее характера. Если речь идет о цифрах, законах или именах, необходим фактчекинг. 

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    Даже при подаче такого материала, как, обзор смартфонов или модная подборка, автор не должен полагаться на свое мнение. Он должен заниматься сбором и проверкой материалов, изучать характеристики гаджетов и смотреть показы последних фэшн-коллекций.

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    В тех случаях, когда невозможно проверить факт, пользуются логикой. Поэтому для того, чтобы статья стала достоверной, нужно, чтобы и автор, и редактор обладали общими знаниями в данной области.

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    В результате фактчекинг даст объективную оценку достоверности информации и предоставит читателям правильную картину происходящего.

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    О сервисе

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    Сервис Пампаду – вариант для тех, кто хочет работать с разными партнерскими программами с одного аккаунта. Платформа предлагает инструменты для тех, кто зарабатывает на арбитраже трафика, продаже страховых и банковских продуктов.

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    \"\"
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    Интуитивный интерфейс, понятное управление личным кабинетом, продуманные карточки – все это позволит быстро войти в курс дела и приступить к продажам. 

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    \"\"
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    Офферы подробно расписаны (см. «Полные условия») и понятны. Комиссия выше, чем у конкурентов и начисляется сразу на привязанную к аккаунту карту. 

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    На сайте представлена подборка обучающих материалов, а по всем вопросам можно обратиться в службу поддержки.

    \n', 'Фактчекинг в арбитраже: что это и как работает', 'Что такое фактчекинг и почему он необходим? В каких областях применяется этот способ проверки достоверности информации? Как проводится фактчекинг?', 'publish', 'open', 'open', '', 'faktcheking-v-arbitrazhe-chto-eto-i-kak-rabotaet', '', '', '2023-06-09 12:58:16', '2023-06-09 12:58:16', '', 0, 'https://pampadu.ru/blog/?p=2928', 0, 'post', '', 0), (2929, 1, '2023-06-09 12:55:17', '2023-06-09 12:55:17', '', '1030х502-8 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-8-1', '', '', '2023-06-09 12:55:17', '2023-06-09 12:55:17', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-8-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2931, 13, '2023-06-09 13:23:15', '2023-06-09 13:23:15', '\n

    Термин «постбэк» знаком, как новичкам, так и профессионалам арбитража. Однако далеко не все понимают или правильно оценивают потенциал, который открывает использование этой технологии. Разбираемся, как работает механизма данной технологии и в чем заключаются преимущества применения.

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    Постбэк – это технология, которая позволяет передавать информацию между системами и приложениями. В интернет-маркетинге функционал используется для отслеживания действий пользователей на сайте и передачи этих данных рекламодателям. В рамках партнерских программ postback (возвратная связь) является механизмом, посредством которого ПП информацию сторонним сервисам.

    \n\n\n\n

    Постбэк: что это такое и для чего он нужен

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    Постбэк отправляет данные на сервер без перезагрузки страницы. Суть технологии заключается в том, что когда пользователь выполняет целевое действие на сайте (заполняет анкету или совершает покупку), срабатывает – информация об этом действии передается на сервер рекламодателя. Таким образом, рекламодатель получает данные о поведении клиентов и благодаря этому корректирует или оптимизирует маркетинговую кампанию. 

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    Эта технология применяется в интерактивных: онлайн-магазинах, социальных сетях. Постбэк позволяет пользователю оперативно передать данные на сервер и получить ответ без задержек и перезагрузок страницы.

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    С помощью postback реализуются функции:

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    Постбэк упрощает работу пользователей. Последние не хотят ждать загрузки новой страницы после каждого действия. Они требуют оперативной и плавной работы приложений.

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    Технология полезна и в плане экономии трафика. Если приложение с помощью postback обновляет только часть страницы, это означает, что ненужная информация не загружается заново при отправке данных на сервер. 

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    Для арбитражника технология полезна с точки зрения анализа рекламной кампании. С помощью этого механизма выявляются не только конверсии, но и:

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    Для работы с postback необходима ПП и трекер (альтернатива – рекламная сеть), поддерживающий данную технологию.

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    Постбэк в арбитраже – это полезный механизм анализа и контроля рекламной кампании. Он также используется при создании приложений, что делает технологию востребованной среди веб-разработчиков.

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    Postback url 

    \n\n\n\n

    Postback url – что это? Это веб-адрес, который используется для передачи информации об успешно выполненной конверсии от партнерской программы к рекламодателю. Одновременно это еще и инструмент для мониторинга эффективности рекламных кампаний и определения ROI (Return on Investment).

    \n\n\n\n

    Postback url предоставляется рекламодателем в рамках партнерской программы. При подключении нового оффера или создании рекламной кампании на платформе администратору необходимо указать адрес для каждого оффера.

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    Чтобы получить postback url, необходимо:

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    В некоторых случаях postback URL скрывается от пользователей и становится доступным только после проверки администратором или отправки запроса менеджеру партнерской программы.

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    Постбэк-адрес должен быть корректным. Только так можно точно отслеживать конверсии. При изменении postback url необходимо обновить его в настройках соответствующего оффера на платформе рекламодателя.

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    Особенности настройки постбэка в ПП

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    Для того, чтобы технология работала корректно, необходимо настроить postback в партнерской программе. 

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    Настройка проходит в 2 основных этапа:

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    1. Выбор типа постбэка: S2S (Server-to-Server) или API. 
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    S2S – это классический метод передачи данных, при котором сервер партнера отправляет запрос на сервер рекламодателя для подтверждения выполненного действия. API используется для сложных интеграций и предполагает применение специальных библиотек для передачи данных.

    \n\n\n\n
    1. Настройка параметров постбэка: URL адреса, параметры запроса, формат ответа. 
    \n\n\n\n

    Все эти данные прописываются в соответствующих полях в личном кабинете партнера.

    \n\n\n\n

    Важно учитывать нюансы работы конкретной партнерской программы при настройке механизма. Например, некоторые ПП требуют добавления дополнительных параметров в запрос для правильного расчета комиссии за выполненное действие.

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    Также необходимо учитывать возможные ошибки при работе с postback: от неправильного формата запроса до проблем с сервером рекламодателя. Поэтому для работы с технологией рекомендуется обращаться к вебмастерам, которые помогут выставить правильные настройки и оперативно решить возникающие проблемы.

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    Постбэк для арбитражника

    \n\n\n\n

    Технология, которая позволяет обмениваться данными между веб-страницей и сервером без перезагрузки – необходимый инструмент арбитражника, который занимаются организацией рекламных кампаний в интернете.

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    Механизм возвратной связи дает возможность получать информацию о том, какие пользователи прошли по ссылке на его рекламную кампанию и совершили целевое действие (покупку товара, заполнение формы или анкеты, оформление подписки). Таким образом, арбитражник отслеживает отдачу рабочих рекламных кампаний и оптимизирует их под конкретную целевую аудиторию.

    \n\n\n\n

    Постбэк – метод борьбы с фродом в интернет-маркетинге. Фрод – тип мошеннических операций в области информационных технологий.

    \n\n\n\n

    Арбитражники использовать технологию postback для проверки лидов (заявок), получаемых от партнерских программ или рекламных сетей. Если лид не проходит проверку на соответствие заданным параметрам (страна проживания пользователя не соответствует требуемой), то арбитражник отклоняет его и не выплачивает комиссию партнеру.

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    О сервисе

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    Онлайн-платформа Пампаду – это сервис, который позволяет всем желающим получать доход с продажи банковских и страховых продуктов. Достаточно зарегистрироваться в личном кабинете и уже через 2-3 минуты можно приступать к работе.

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    \"\"
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    Pampadu – это:

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    \"\"
    \n\n\n\n

    Работать со всеми предлагаемыми офферами можно с одного аккаунта. Комиссия, предлагаемая сервисом, на порядок выше, чем у конкурентов. Выплаты приходят сразу на карту.

    \n\n\n\n

    Онлайн-сервис востребован среди агентов страховых компаний, риэлторов, вебмастеров и даже владельцев бизнеса, которых интересует дополнительный доход.

    \n\n\n\n

    Платформа Пампаду работает с надежными банками, проверенными МФО и страховыми компаниями. Работать в сервисе можно из любой части мира.

    \n', 'Постбэк в арбитраже: что это и как работает', 'Что такое postback и как работает механизм «возвратной связи»? В чем особенность функционала и для чего постбэк необходим арбитражнику, работающему в партнерских программах?', 'publish', 'open', 'open', '', 'postbek-v-arbitrazhe-chto-eto-i-kak-rabotaet', '', '', '2023-06-09 13:23:15', '2023-06-09 13:23:15', '', 0, 'https://pampadu.ru/blog/?p=2931', 0, 'post', '', 0), (2932, 1, '2023-06-09 13:22:28', '2023-06-09 13:22:28', '', '1030х502-8 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-8-1-2', '', '', '2023-06-09 13:22:28', '2023-06-09 13:22:28', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-8-1-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2933, 1, '2023-06-09 13:22:41', '2023-06-09 13:22:41', '', '1030х502-9 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-9-1', '', '', '2023-06-09 13:22:41', '2023-06-09 13:22:41', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-9-1.jpg', 0, 'attachment', 'image/jpeg', 0), (2935, 13, '2023-06-09 14:18:33', '2023-06-09 14:18:33', '\n

    Использование таргетинга позволяет увеличить доход и снизить бюджет, закладываемый на рекламную кампанию. Этот маркетинговый инструмент часто сравнивают с контекстной рекламой. Однако от последней он отличается работой с большей ЦА и «холодной» категорией клиентов. Необходимы тонкие настройки таргета. Как это сделать? Разбираемся. 

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    Таргет – это инструмент маркетинга, который помогает из общей пользовательской массы сети выделить ЦА, продвигая услуги, ориентируясь конкретно на ее потребности.  Компании используют таргетированную рекламу (ТР) для привлечения клиентов и увеличения прибыли. 

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    Таргетинг: кому он нужен

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    Таргетированная реклама – это рабочий инструмент для привлечения целевой аудитории. Она помогает настроить рекламу для тех пользователей, которые заинтересованы в продукте или услуге.

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    Такую рекламу используют для привлечения клиентов в разных отраслях бизнеса: от магазинов до сервисных центров или автомобильных дилеров. Главное – это наличие четкого понимания структуры целевой аудитории, а также ее потребностей.

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    Таргетинг (targeting) подходит:

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    Таргетинг может быть полезен для стартапов и компаний с небольшим рекламным бюджетом. При правильном использовании добьетесь результата при минимальных тратах.

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    Использование ТР оправдано только при учете особенностей отрасли и целевой аудитории. Не стоит полагаться только на автоматические настройки в рекламных платформах.

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    Цели таргета

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    Таргетинг – средство достижения требуемых показателей конверсии и увеличения доходов. Рекламное объявление этого вида нацелено непосредственно на ЦА, что делает его более эффективным, чем стандартные методы:

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    С помощью этого маркетингового инструмента также можно провести тестирование новой продукции, проверить идею, устроить опрос.

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    При правильном использовании этого инструмента можно увеличить доходы и расширить свою клиентскую базу.

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    Роль таргета в маркетинге

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    Таргетированная реклама – один из рабочих методов маркетинга в арбитраже. Она позволяет определить целевую аудиторию и направить объявление только на нее, минуя лишних пользователей.

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    Таргет позволяет:

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    Для использования таргет-рекламы необходимо провести анализ целевой аудитории, изучить интересы, хобби, возрастные группы, пол, а также другие параметры. Многие сервисы или соцсети предлагают для этого специальные инструменты. Например, сервисы ВКонтакте и ФБ формируют аудиторию из перешедших по ссылке на сайт пользователей, а затем выявляют их социально демографические характеристики и интересы.

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    Это поможет определить, какие категории людей заинтересованы в продукте или услуге, а затем начать создавать рекламные объявления, которые будут направлены только на выбранную группу пользователей.

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    Таргет – не универсальный метод маркетинга, поэтому он не может заменить другие стратегии. Таргетинг дополняет уже существующие методы и улучшает их работу.

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    Механизм работы таргетинга

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    Разобравшись с тем, что такое таргет необходимо понять, как он работает.

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    В его основе лежит анализ данных о пользователе: его интересы, демографические данные, поведенческие модели и другие параметры. Эти данные собираются через различные каналы:

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    После сбора данных начинается настройка таргетинга. Рекламодатель выбирает целевую аудиторию и определяет параметры для отображения объявлений. В итоге объявления всплывают только перед теми пользователями, которые заинтересованы в продукте или услуге.

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    Как только процесс настройки завершен, запускается рекламная кампания. Рекламодатель определяет бюджет, а системы таргетирования выбирают рабочие каналы продвижения.

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    В ходе рекламной кампании собираются и обрабатываются данные о привлеченных пользователях. Последующий анализ позволяет оптимизировать показ объявлений и увеличить конверсию.

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    ТР в арбитраже – это сложный процесс, требующий подробного анализа данных о пользователе. При грамотном использовании этот инструмент повысит отдачу от рекламы и приведет к росту продаж.

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    Виды таргетинга

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    Существует несколько видов таргетинга, которые помогут определить целевую группу, настроив рекламные баннеры или объявления под ее потребности.

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    Виды таргетинга часто применяются в различных комбинациях. Каждый из них помогает определить потребности или интересы целевой аудитории и создать контент, который будет ей интересен.

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    Ретаргетинг и таргетинг: отличия

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    Таргетинг представляет собой рекламу, нацеленную на ЦА. А вот ретаргетинг – одна из его форм, при которой воздействие направлено на пользователей, уже проявивших интерес к товару или услуге.

    \n\n\n\n

    Ретаргетинг работает, если пользователь посещал сайт компании или добавлял товар в корзину, но так и не оформил заказ, то он будет регулярно получать персонализированные объявления о данном товаре в социальных сетях или на других сайтах. Таким образом, пользователю повторно напоминают о предложении, стимулируя к покупке.

    \n\n\n\n

    Главное преимущество ретаргетинга – направленность на конкретного клиента. Это позволяет увеличить вероятность его отклика и улучшить итоги кампании. Ретаргетинг позволяет оптимизировать затраты, уменьшив стоимость привлечения одного клиента.

    \n\n\n\n

    Преимущества ТР

    \n\n\n\n

    Одно из преимуществ targeting – результативность. Благодаря использованию данных о пользователе (возраст, пол, местоположение, интересы), рекламное объявление демонстрируется людям, которые заинтересованы в продукте или услуге.

    \n\n\n\n

    Таргет более экономичен по сравнению со стандартными видами рекламы. Ведь благодаря точности нацеливания на аудиторию, не нужно платить за показ широкому кругу возможных клиентов. Это снижает расходы, одновременно повышая конверсию.

    \n\n\n\n

    Еще один плюс targeting – упрощение процесса определения целевой аудитории. С помощью специальных инструментов можно быстро определить базовые характеристики своего клиента и на их основе разработать соответствующую кампанию.

    \n\n\n\n

    ТР обладает большей гибкостью в сравнении со стандартными видами рекламы. В зависимости от изменения потребностей аудитории можно своевременно производить корректировку рекламной кампании.

    \n\n\n\n

    Таргетированная реклама позволяет увеличить лояльность клиентов, так как они видят только те рекламные сообщения, которые им интересны. Это повышает уровень доверия к бренду, способствует удержанию постоянной аудитории.

    \n\n\n\n

    Минусы ТР

    \n\n\n\n

    К недостаткам таргета относят:

    \n\n\n\n\n\n\n\n

    Таргетирование сокращает затраты на рекламную кампанию в целом, но при этом оно может быть дорогим для отдельных пользователей. 

    \n\n\n\n

    Сколько стоит 

    \n\n\n\n

    Цена на таргетированную рекламу зависит, в первую очередь, от платформы, на которой размещается рекламное объявление. Например, стоимость рекламного объявления на Facebook может быть выше, чем в Instagram или TikTok.

    \n\n\n\n

    Другой фактор – структура целевой аудитории и ее размер. Добраться до внушительной аудитории с обширными интересами дороже, чем обращение к компактной группе с конкретными потребностями.

    \n\n\n\n

    Учитывается время размещения рекламы, продолжительность ее показа. Чем дольше рекламодатель хочет демонстрировать объявление и чем более востребованное время он выбирает – тем дороже ему обойдется кампания.

    \n\n\n\n

    Наконец, отдача от таргетинга также может повлиять на его стоимость. Если объявление получает много кликов, демонстрируя высокую конверсию, то цена за клик может уменьшиться, что снизит общую стоимость кампании.

    \n\n\n\n

    Наличие раздутого бюджета не гарантирует успех таргетированной рекламы. Большее значение имеет правильная стратегия, выбор платформы, аудитории, а также постоянный мониторинг и анализ результатов.

    \n\n\n\n

    О сервисе

    \n\n\n\n

    Сервис Пампаду – это платформа, позволяющая агентам, представителям бизнеса и вебмастерам зарабатывать на партнерских программах банков, страховых компаний, подборе персонала. Достаточно создать аккаунт, и пользователь получит доступ ко всем офферам, представленным на сайте.

    \n\n\n\n
    \"\"
    \n\n\n\n

    Онлайн-сервис работает с российскими банками, МФО и страховыми компаниями, предлагает разные типы офферов с большими комиссиями.

    \n\n\n\n
    \"\"
    \n\n\n\n

    В Пампаду интуитивно понятный интерфейс и личный кабинет. К каждому офферу прилагаются подробные разъяснения (вкладка «Полные условия»), которые позволят соблюдать правила, получая при этом доход.

    \n\n\n\n

    Служба поддержки оперативно отвечает на вопросы и помогает разобраться в работе сервиса.

    \n', 'Таргетированная реклама в арбитраже: что это и как работает', 'Что такое таргетинг? Как использовать этот инструмент при разработке рекламной кампании? Разбираемся в механизме работы таргет-рекламы. ', 'publish', 'open', 'open', '', 'targetirovannaya-reklama-v-arbitrazhe-chto-eto-i-kak-rabotaet', '', '', '2023-06-09 14:18:33', '2023-06-09 14:18:33', '', 0, 'https://pampadu.ru/blog/?p=2935', 0, 'post', '', 0), (2937, 13, '2023-06-09 13:51:43', '2023-06-09 13:51:43', '\n

    ? Выплаты агентам будут производиться в обычном режиме:

    \n\n\n\n

    — физ. лицам и самозанятым поступление на карту в течение 1 минуты;

    \n\n\n\n

    — юр. лицам поступление на расчетный счет осуществляется на следующий рабочий день после запроса (после праздников это 13.06).

    \n\n\n\n

    Не забывайте проверять реквизиты акта и нажимать \"принять\" в личном кабинете, только после этого переводим акт на оплату!

    \n\n\n\n

    ? График работы технической поддержки:

    \n\n\n\n

    10, 11, 12 июня — с 9.00-15.00

    \n\n\n\n

    Хороших выходных и прекрасного настроения, команда Пампаду!

    \n', '⚠️ Важная информация про выплаты и тех. поддержку в праздничный день', 'Работа Пампаду в праздничный день.', 'publish', 'open', 'open', '', 'vazhnaya-informatsiya-pro-vyplaty-i-teh-podderzhku-v-prazdnichnyj-den', '', '', '2023-06-09 13:51:43', '2023-06-09 13:51:43', '', 0, 'https://pampadu.ru/blog/?p=2937', 0, 'post', '', 0), (2938, 1, '2023-06-09 13:51:32', '2023-06-09 13:51:32', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-68', '', '', '2023-06-09 13:51:32', '2023-06-09 13:51:32', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-2.jpg', 0, 'attachment', 'image/jpeg', 0), (2942, 13, '2023-06-12 10:11:00', '2023-06-12 10:11:00', '\n

    ?Коллеги, поздравляем вас с Днем России!

    \n\n\n\n

    И мы от всей души поздравляем агентов из всех регионов и городов страны!

    \n\n\n\n

    Желаем добра, здоровья и взаимоуважения!
    Мы всегда на связи, помогаем в решении рабочих задач, вместе идя к общей цели, нас обязательно ждет успех и благополучие.

    \n\n\n\n

    ❣️Искренне благодарим вас за профессионализм и любовь к своему делу.
    С праздником!

    \n', 'Поздравляем с днем России!', 'Поздравляем вас с 12 июня. С днем России!', 'publish', 'open', 'open', '', 'pozdravlyaem-s-dnem-rossii', '', '', '2023-06-12 10:11:00', '2023-06-12 10:11:00', '', 0, 'https://pampadu.ru/blog/?p=2942', 0, 'post', '', 0), (2943, 1, '2023-06-09 14:17:18', '2023-06-09 14:17:18', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-69', '', '', '2023-06-09 14:17:18', '2023-06-09 14:17:18', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-10.png', 0, 'attachment', 'image/png', 0), (2945, 1, '2023-06-09 14:18:18', '2023-06-09 14:18:18', '', '1030х502-10', '', 'inherit', 'open', 'closed', '', '1030h502-10-3', '', '', '2023-06-09 14:18:18', '2023-06-09 14:18:18', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-10.jpg', 0, 'attachment', 'image/jpeg', 0), (2946, 13, '2023-06-12 14:00:00', '2023-06-12 14:00:00', '\n

    Уже совсем скоро!
    То, что вы так долго ждали: обновление реферальной программы на Пампаду!

    Таких условий вы еще не видели,
    Следите за новостями

    \n', 'Обновление реферальной программы на Пампаду!', 'Совсем скоро мы расскажем про обновления реферальной программы!', 'publish', 'open', 'open', '', 'obnovlenie-referalnoj-programmy-na-pampadu', '', '', '2023-06-12 14:00:00', '2023-06-12 14:00:00', '', 0, 'https://pampadu.ru/blog/?p=2946', 0, 'post', '', 0), (2947, 1, '2023-06-09 14:24:00', '2023-06-09 14:24:00', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-70', '', '', '2023-06-09 14:24:00', '2023-06-09 14:24:00', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-11.png', 0, 'attachment', 'image/png', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (2949, 13, '2023-06-13 12:49:55', '2023-06-13 12:49:55', '\n

    ?Как правило, новое увлечение или поход в фитнес мы оставляем на понедельник, а обучиться на Пампаду и начать зарабатывать можно в любое время!

    \n\n\n\n

    Вы всегда можете перейти в блог и найти актуальную информацию, о том, как заработать на Пампаду, где находить клиентов, способы продвижения агентов и многое другое.

    \n\n\n\n

    ⚡️Предлагаем вам гайд статей, которые помогли агентам в работе:

    \n\n\n\n

    1. Сколько зарабатывает страховой агент
    2. Как выбрать страховую компанию?
    3. Ипотечное страхование — это новое ОСАГО
    4. Как работать с возражениями клиентов в недвижимости
    5. Мини-КАСКО: что это и для кого
    6. Как стать банковским агентом
    7. Что такое CPA и как работают CPA-сети
    8. Арбитраж трафика на HR офферы
    9. Скрипты продаж риэлтора
    10. Где и как разместить партнерскую ссылку

    \n\n\n\n

    ?Желаем успехов и открытия новых способов заработка, вместе с Пампаду!

    \n', 'Блог Пампаду', 'Подробные статьи о том, как заработать на Пампаду, где находить клиентов, а также способы продвижения агентов, партнерские программы и многое другое вы можете найти в блоге, который мы постоянно развиваем!', 'publish', 'open', 'open', '', 'blog-pampadu', '', '', '2023-06-13 12:49:55', '2023-06-13 12:49:55', '', 0, 'https://pampadu.ru/blog/?p=2949', 0, 'post', '', 0), (2950, 1, '2023-06-13 12:49:41', '2023-06-13 12:49:41', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-71', '', '', '2023-06-13 12:49:41', '2023-06-13 12:49:41', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-12.png', 0, 'attachment', 'image/png', 0), (2954, 13, '2023-06-14 10:38:56', '2023-06-14 10:38:56', '\n

    ?Пришло время рассказать про крупные продажи наших агентов по КАСКО в мае:

    \n\n\n\n

    Страховая компания - Тинькофф
    Стоимость полиса - 319 230 руб.
    КВ - 54 468 руб.

    \n\n\n\n

    Страховая компания - Альфастрахование
    Стоимость полиса - 277 254 руб.
    КВ - 37 845 руб.

    \n\n\n\n

    Страховая компания - Ренессанс
    Стоимость полиса - 207 751 руб.
    КВ - 28 358 руб.

    \n\n\n\n

    Оставьте заявку на расчет КАСКО менеджеру Пампаду от 22 страховых компаний, поможем подобрать выгодное предложение для вас и клиента!
    В заявке указывайте свой номер телефона.

    \n\n\n\n

    ❣️Хороших продаж!

    \n', 'Кейсы по Каско в мае.', 'Рассказываем про крупные продажи наших агентов по КАСКО в мае!', 'publish', 'open', 'open', '', 'kejsy-po-kasko-v-mae', '', '', '2023-06-14 10:38:56', '2023-06-14 10:38:56', '', 0, 'https://pampadu.ru/blog/?p=2954', 0, 'post', '', 0), (2955, 1, '2023-06-14 10:38:47', '2023-06-14 10:38:47', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-72', '', '', '2023-06-14 10:38:47', '2023-06-14 10:38:47', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-3.jpg', 0, 'attachment', 'image/jpeg', 0), (2958, 15, '2023-06-14 15:07:08', '2023-06-14 15:07:08', '\n

    Сервис партнерских продаж Пампаду регулярно сотрудничает с агентами по недвижимости и риелторскими агентствами. Мы подготовили руководство о том, какие сегменты рынка недвижимости существуют, чтобы вы могли выбрать нишу, благоприятную для работы.

    \n\n\n\n

    Сегментация рынка недвижимости – это деление рынка частной собственности на группы в зависимости от вида имущества.

    \n\n\n\n

    К сегментам рынка недвижимости относятся:

    \n\n\n\n\n\n\n\n

    Каждый из этих сегментов делится на внутренние подгруппы. Такая сегментация нужна и для собственников, и для покупателей. Она позволяет изучать предложения, рассматривая только интересующую часть общего рынка недвижимости.

    \n\n\n\n

    На изменения рынка недвижимости влияет спрос и предложение, поэтому риелторам приходится анализировать сложившуюся ситуацию. Главным фактором, влияющим на стоимость недвижимости, выступает спрос. 

    \n\n\n\n

    Но существует и обратная зависимость. Снижение стоимости жилья может вызвать повышение спроса, а резкий рост цен – уменьшить его. Спрос также зависит от покупательских возможностей, которые формируются в зависимости от стабильности в стране и других факторов.

    \n\n\n\n

    Многие приобретают недвижимость не для собственного пользования, а в качестве инвестиции – для сдачи в аренду или чтобы избежать обесценивания денежных средств.

    \n\n\n\n

    Сегменты рынка жилой недвижимости

    \n\n\n\n

    Жилая недвижимость представлена огромным количеством предложений. Каждый клиент может найти квартиру или дом с учетом своих пожеланий и финансовых возможностей. Развитая система ипотечного кредитования, наличие программ государственной поддержки увеличили число потенциальных покупателей недвижимости.

    \n\n\n\n

    Критерий разделения по расположению: городская и загородная недвижимость

    \n\n\n\n

    В городском жилом фонде выделяют сегменты в зависимости от типа постройки. Она может принадлежать к низкой, типовой, улучшенной планировке или относится к элитной недвижимости. Эти факторы, вместе с местом расположения жилья, влияют на стоимость недвижимости и спрос на нее.

    \n\n\n\n

    Некоторые семьи предпочитают жить за городом, вдали от городской суеты, пыли и пробок. Но при этом многие ценят близость к городской инфраструктуре. Чем ближе коттедж расположен к городской застройке, тем выше его стоимость. Этот сегмент жилья чаще предпочитают обеспеченные покупатели. 

    \n\n\n\n

    Востребованное загородное жилье представлено комфортабельными, современными коттеджами и таунхаусами. Старые постройки чаще приобретают под снос, для дальнейшего строительства частного дома по собственному проекту. 

    \n\n\n\n

    Критерий разделения по дате постройки: вторичный и первичный рынки

    \n\n\n\n

    Рынок первичной недвижимости состоит из строящихся или недавно введенных в эксплуатацию зданий. Поэтому предложения этого сегмента формируют строительные компании – как частные, так и государственные. Покупатель становится первым собственником жилья, поэтому такой рынок и называют первичным.

    \n\n\n\n

    К вторичному рынку относится жилой фонд, который ранее эксплуатировался владельцем, а иногда и несколькими, переходя из рук в руки. Этот сегмент российского рынка остается востребованным ввиду более низкой цены.

    \n\n\n\n

    Критерий разделения по планировке жилья

    \n\n\n\n

    Рынок жилой собственности требует разделения объектов по их качественной оценке и состоянию. Общепринята такая система сегментации:

    \n\n\n\n

    Недвижимость низкого качества

    \n\n\n\n

     К ней относятся объекты, не подключенные к сетям централизованного отопления, газо- и водоснабжения, канализации, а также ветхие строения. Сюда относится также недвижимость барачного типа, в которую расселяли городское население, начиная с 1930-х годов. Такое жилье строилось в качестве временного и не было оборудовано ванной и туалетом внутри. Туалет находился на улице, а мыться людям предлагалось в общественных банях. Такие постройки до сих пор существуют, но за это время они приобрели более благоустроенный вид.

    \n\n\n\n

    Хрущевки

    \n\n\n\n

    Период строительства домов с такими квартирами приходился на 1960-1970 годы. В их основе лежал серийный типовой проект, созданный, чтобы обеспечить жизнь множества людей в ограниченном пространстве. В таких квартирах не бывает просторных кухонь и раздельных санузлов. Дома с хрущевками – это пяти- и девятиэтажные здания. 

    \n\n\n\n

    Жилье улучшенной планировки 

    \n\n\n\n

    С начала 70-х годов стали строить дома с квартирами улучшенной планировки. Этажность их составляет от 9 до 16 этажей. Эти дома также возводились по типовым проектам и квартиры в них стали именовать брежневками. Панельные дома такого типа снабжались лифтами и мусоропроводами.

    \n\n\n\n

    К этой категории относятся квартиры с увеличенной, по сравнению с хрущевками, площадью, просторной кухней, раздельными комнатами и санузлом. Впрочем, некоторые владельцы могли провести перепланировку, объединив ванную и туалет в одно просторное помещение.

    \n\n\n\n

    Полногабаритные квартиры

    \n\n\n\n

    Такие квартиры располагаются в старых постройках, но при этом имеют высокие потолки и кухню большой площади. В этой категории имущества можно найти даже квартиры с двумя санузлами или балконами. 

    \n\n\n\n

    Большинство таких квартир можно отнести к категории сталинок. С 1933 года до 1961 года проводилось строительство многоквартирных домов в стиле, получившем название сталинский ампир. Такие дома имеют толстые стены, квартиры в них – высокие потолки, раздельный санузел, удобную планировку. Иногда проектом предусматривались помещения под библиотеку, художественную мастерскую, детскую комнату.

    \n\n\n\n

    Малосемейки

    \n\n\n\n

    Этот тип имущества принадлежал к социальному жилью, которым обеспечивало граждан государство. Расположение квартир в доме малосемейного типа аналогично общежитию – длинный общий коридор с разделением на квартиры. Большинство домов малосемейного типа не подключены к сети газоснабжения, а в санузле квартиры установлена сидячая ванна.

    \n\n\n\n

    Такое жилье изначально проектировались под проживание 1-2 человек. Предполагалось, что при смене семейного статуса или появлении детей, государство обеспечит семью новым жильем.

    \n\n\n\n

    Гостинки, комнаты в общежитии или коммунальной квартире

    \n\n\n\n

    Еще один вид социального жилья, получивший распространение в 1960-1970 годы. Недостатком такого имущества можно считать общий санузел, рассчитанный на использование несколькими семьями. Этот тип жилья может иметь только кухонную нишу, или кухня будет общей и находиться на этаже.

    \n\n\n\n

    Комната в коммуналке или общежитии может стать альтернативой для тех, кто хочет иметь свое жилье, но не располагает бюджетом для покупки квартиры. Как и в случае с комнатой в коммунальной квартире, официально купить комнату в общежитии можно, только если она приватизирована.

    \n\n\n\n

    Но покупка комнаты в коммуналке сопряжена с трудностями, поскольку такое жилье принадлежит к общей долевой собственности. Из-за большого числа участников процедура сделки усложняется. Покупателю нужно получить отказы от покупки от всех соседей или иметь на руках уведомления о сделке, отправленные им с отметкой о вручении.

    \n\n\n\n

    Иногда комнаты гостиничного типа (КГТ, гостинки) оборудованы небольшим собственным санузлом, но место под кухню в них все равно не предусмотрено. Поэтому вместо полноценной кухни многие жильцы обустраивают небольшой уголок с плитой и мойкой.

    \n\n\n\n

    Жилье новой планировки

    \n\n\n\n

    Квартиры этого типа отличаются комфортной планировкой с раздельными комнатами, наличием прихожей, просторным балконом. Жилье в новостройках может относиться как к эконом- так и к бизнес-классу – в зависимости от метража, типа окон, размера коридоров и расположения комнат.

    \n\n\n\n

    К этой категории также относятся квартиры-студии, не имеющие отдельной кухни. За счет этого в таких квартирах удалось расширить жилое пространство. При желании его можно зонировать, обустроить гардеробную или рабочее место на балконе.

    \n\n\n\n

    Элитные апартаменты с индивидуальной планировкой

    \n\n\n\n

    Название такой собственности отражает ее уровень комфорта. Например, к этой категории относятся пентхаусы – жилье, расположенное на верхнем этаже здания с выходом на собственную террасу. Также пентхаус может быть оборудован зимним садом, фонтаном или бассейном.

    \n\n\n\n

    Элитные апартаменты имеют высокие потолки и большую внутреннюю площадь. Они отличаются повышенной функциональностью – при желании там можно устроить собственный спортзал, установить джакузи или камин.

    \n\n\n\n

    При этом такие квартиры расположены в благоустроенных жилых комплексах. Их территория обычно охраняется, оборудована системой видеонаблюдения и снабжена собственным подземным паркингом.

    \n\n\n\n

    Разделение по площади

    \n\n\n\n

    Параметром сегментации жилой недвижимости может служить число комнат:

    \n\n\n\n\n\n\n\n

    Такое разделение применимо не только для квартир, но и для частных домов. При этом для коттеджей также учитывается критерий этажности. 

    \n\n\n\n

    При покупке частного дома покупатели также обращают внимание на наличие мансарды, чердака, подвала, гаража и других построек на участке. Они входят в общую стоимость жилья и непосредственно влияют на нее. Дом покупается вместе с участком, на котором он расположен. Поэтому размер участка также служит критерием его оценки.

    \n\n\n\n

    Анализируя предложения рынка, покупатели обращают внимание на расположение жилья. Оно может находиться ближе к центру города или смещено к окраине. Недвижимость в центральной части дороже, зато находится среди развитой инфраструктуры. В удаленных районах может быть проблема с транспортной развязкой, а чтобы доехать до центра, приходится стоять на дороге в пробках. 

    \n\n\n\n

    Но покупатели не всегда отдают предпочтение центру города, они могут выбрать район, расположение и благоустройство которого их устраивает. На выбор влияет близость работы, расположение образовательных и дошкольных учреждений, супермаркетов и торгово-развлекательных комплексов.

    \n\n\n\n

    Коммерческая недвижимость

    \n\n\n\n

    Рынок нежилой недвижимости связан с потребностями бизнеса и ведения любой коммерческой деятельности. Сегмент нежилого фонда меньше, чем жилого. Спрос на коммерческую недвижимость всегда есть, хоть она и отличается от жилой более высокой стоимостью.

    \n\n\n\n

    По назначению в этой категории недвижимости различают следующие виды:

    \n\n\n\n\n\n\n\n

    Рынок нежилых помещений имеет перспективы и может стать основой для специализации риелтора.

    \n\n\n\n

    Офисная недвижимость

    \n\n\n\n

    Этот сектор представлен несколькими категориями фонда недвижимости:

    \n\n\n\n\n\n\n\n

    Офисный сегмент рынка недвижимости имеет достаточные перспективы для ведения риелторской деятельности.

    \n\n\n\n

    Торговые помещения

    \n\n\n\n

    Востребованность объектов этого сегмента рынка зависит от условий их расположения. На цену покупки или аренды торговых помещений влияет много факторов: транспортная развязка, оборудование, наличие коммуникаций и другие. Выгодные с позиции рентабельности торговые залы арендуют или сдают в аренду. Но если предпринимателя устраивает арендованное помещение, и он уверен в том, что его бизнес здесь будет развиваться, можно поднять с собственником объекта вопрос о покупке.

    \n\n\n\n

    Складские помещения

    \n\n\n\n

    Торговая сфера активно развивается и спрос на склады всегда есть. Некоторые предпочитают переоборудовать под склад нежилое помещение достаточных размеров. Но можно купить или арендовать отапливаемые, оборудованные необходимыми коммуникациями и спецтехникой склады. Ассортимент таких помещений достаточно широк.

    \n\n\n\n

    Промышленная недвижимость

    \n\n\n\n

    Открытие новых предприятий и частных производств вызывает потребность в поиске промышленной недвижимости. Большинство таких площадок сдают в долгосрочную аренду, но некоторый процент составляет покупка-продажа.

    \n\n\n\n

    Сегмент земельных участков

    \n\n\n\n

    Землю приобретают, чтобы использовать под застройку, для ведения коммерческой или сельскохозяйственной деятельности.

    \n\n\n\n

    В этом сегменте недвижимости объекты разделяют:

    \n\n\n\n\n\n\n\n

    Для российского рынка земельных участков характерно увеличение спроса, а значит и стоимости такой недвижимости. 

    \n\n\n\n

    Как риелтору еще можно зарабатывать?

    \n\n\n\n

    Сервис Пампаду предоставляет риелторам и агентствам по продаже недвижимости шанс увеличить свой заработок. Совмещая риелторскую деятельность с участием в партнерской программе, вы сможете получать дополнительные выплаты на свой банковский счет. 

    \n\n\n\n
    \"\"
    \n\n\n\n

    Стать нашим партнером легко – регистрация замет у вас всего несколько минут. После нее вы сразу получаете доступ в личный кабинет, в котором отображаются предложения для сотрудничества. 

    \n\n\n\n

    Например, ваши клиенты могут оформить с вашей помощью страхование ипотеки по сниженной ставке, а вы получите комиссионное вознаграждение в размере до 60 % стоимости страхового полиса.

    \n', 'Сегменты рынка недвижимости: что это и что нужно знать риэлтору', 'Расскажем, какие бывают сегменты рынка недвижимости. Рассмотрим сегментацию по расположению, давности постройки, категории жилья и его площади.', 'publish', 'open', 'open', '', 'segmenty-rynka-nedvizhimosti-chto-eto-i-chto-nuzhno-znat-rieltoru', '', '', '2023-06-14 15:07:08', '2023-06-14 15:07:08', '', 0, 'https://pampadu.ru/blog/?p=2958', 0, 'post', '', 0), (2959, 1, '2023-06-14 10:51:37', '2023-06-14 10:51:37', '', 'сегменты рынка недвижимости', '', 'inherit', 'open', 'closed', '', '1030h502-1-4-2', '', '', '2023-06-14 10:51:37', '2023-06-14 10:51:37', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-1-4.jpg', 0, 'attachment', 'image/jpeg', 0), (2961, 13, '2023-06-14 12:06:35', '2023-06-14 12:06:35', '\n

    Вы часто обращаетесь в поддержку за получением чеков об оплате страхового полиса, когда он не пришел на почту.
    Чтобы таких ситуаций стало меньше, мы теперь автоматически подтягиваем чеки вместе с полисом.

    \n\n\n\n

    — По ОСАГО в СК Альфа-Страхование.
    — По Ипотеке в СК Альфа-Страхование, Энергогарант и Пари.

    \n\n\n\n

    Чеки доступны после оплаты на третьем этапе, по другим СК он придет к вам на почту, и вы всегда можете обратиться к нам в чат поддержки на сайте.
    И даже через телеграмм @SPampaduBot ?

    \n\n\n\n

    Продуктивного дня!

    \n', '⚡️Чеки всегда под рукой!', 'Появилась возможность получать чеки по нескольким СК.', 'publish', 'open', 'open', '', 'cheki-vsegda-pod-rukoj', '', '', '2023-06-14 12:06:35', '2023-06-14 12:06:35', '', 0, 'https://pampadu.ru/blog/?p=2961', 0, 'post', '', 0), (2962, 1, '2023-06-14 12:06:15', '2023-06-14 12:06:15', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-73', '', '', '2023-06-14 12:06:15', '2023-06-14 12:06:15', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-13.png', 0, 'attachment', 'image/png', 0), (2966, 15, '2023-06-14 15:18:13', '2023-06-14 15:18:13', '\n

    Сервис партнерских программ Pampadu готов предложить риелторам и агентствам по недвижимости дополнительный заработок на продаже финансовых и страховых продуктов. Зарабатывать с нами сможет каждый – мы сотрудничаем с физическими, юридическими лицами и самозанятыми. 

    \n\n\n\n

    Работа риелтором в агентстве имеет свои плюсы – не требуется специальное образование, есть перспектива роста и полезных знакомств, предусматривается гибкий график. Несмотря на положительные стороны такой деятельности, есть и трудности, с которыми приходится сталкиваться риелторам – поиск клиентов, зависимость размера дохода от количества заключенных сделок. Чтобы избежать этихсложностей, многие рассматривают вариант трудоустройства в агентстве недвижимости.

    \n\n\n\n

    Почему стоить работать в агентстве недвижимости

    \n\n\n\n

    Работа риелтора заключается в организации, сопровождении и заключению сделок, связанных с недвижимостью. К ней относится покупка, продажа, аренда жилой или нежилой собственности, поиск и показ объектов, ведение переговоров, организация встреч.

    \n\n\n\n

    От навыков и умений агента по недвижимости зависит его доход, репутация агентства. Из-за отсутствия опыта и понимания процессов начинающему агенту достаточно сложно самому развиваться в этой сфере. Работая в риелторском агентстве, вы сможете быстрее добиться значительных результатов. Обучение и стажировка у опытного наставника помогут вам влиться в рабочий процесс.

    \n\n\n\n

    Тем, кто хочет попробовать себя в этой сфере, стоит предварительно ознакомиться со всеми тонкостями риелторства. Так вы повысите шансы того, что руководитель агентства заинтересуется вашей кандидатурой еще на этапе собеседования.

    \n\n\n\n

    Качества риелтора, необходимые для работы в агентстве

    \n\n\n\n

    Чтобы добиться карьерного роста и увеличить свой доход, риелтору нужно развить определенные качества.

    \n\n\n\n

    Коммуникабельность

    \n\n\n\n

    Работа агента по недвижимости предполагает постоянное ведение переговоров и много общения с людьми. Риелтору приходится контактировать с большим числом людей, не все из которых будут вежливы и обходительны. Владение основами психологии и грамотно поставленная речь помогут вам в установке контакта с потенциальным клиентом. Этим вы повысите шансы на совершение сделки и получение дохода.

    \n\n\n\n

    Креативность

    \n\n\n\n

    Умение нестандартно мыслить, проводить увлекательные презентации станет преимуществом для агента о недвижимости. Так вы сможете привлечь внимание клиентов и обойти конкурентов по бизнесу. При этом важно подходить к каждому объекту индивидуально – стандартные шаблоны могут не дать результата.

    \n\n\n\n

    Организованность

    \n\n\n\n

    Правильная организация рабочего времени позволит вам не только выполнить заранее запланированные задачи, но и грамотно вписать в свой график внештатные ситуации. Придется строить свой день не только с учетом своих интересов, но и подстраиваться под возможности клиентов.

    \n\n\n\n

    Ответственность

    \n\n\n\n

    От результата вашей деятельности зависит не только личный доход, но и репутация компании. Если вы хотите добиться ощутимых результатов, нужно подходить к работе добросовестно и ответственно.

    \n\n\n\n

    Умение продавать

    \n\n\n\n

    Предложения рынка недвижимости – это товар, который нужно уметь рекламировать и продавать. Агенту придется развивать эти умения, изучать стратегии продвижения и самопрезентации, если он хочет стать успешным в своем деле.

    \n\n\n\n

    Юридические навыки

    \n\n\n\n

    Заключение сделок потребует знания основ юридической практики. По крайней мере, необходимо владеть информацией о возможностях и обязанностях нотариуса. От ваших знаний зависит уровень вашей репутации на рынке недвижимости и итоговая прибыль.

    \n\n\n\n

    Экономические навыки

    \n\n\n\n

    Успешные агенты постоянно следят за спросом и предложением на рынке недвижимости, составляют собственные прогноза изменения цен, планируют срок продажи объектов. 

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    Кем еще можно работать в риелторской компании?

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    В агентстве по недвижимости могут работать не только риелторы. В крупных компаниях имеются должности менеджера, фотографа, юриста, бухгалтера, маркетолога. Такие вакансии могут предусматривать только выполнение какой-то отдельной функции – размещение рекламы, ведение внутренней документации, пополнение клиентской базы или подготовку фотоматериалов. Иногда работать на риелторское агентство можно и вне штата компании.

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    Изучите вакансии в этой сфере – вы наверняка найдете там для себя интересное предложение.

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    Работа в агентстве недвижимости: достоинства и недостатки

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    Профессия агента по недвижимости, как и любая, имеет свои плюсы и минусы. Кто-то успешно создает карьеру, а некоторые – прекращают работать в этой сфере. Не всем подойдут такие условия труда, поэтому лучше ознакомиться с тонкостями профессии заранее.

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    Преимущества работы в агентстве по недвижимости

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    Перечислим плюсы работы в риелторской конторе.

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    Гибкий график работы

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    Каждый агент самостоятельно планирует свой график и количество рабочих часов. Хоть риелтору приходится подстраиваться под клиентов, он сам определяет свою дневную нагрузку и норму работы.

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    Отсутствуют возрастные ограничения

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    Работать риелтором можно в любом возрасте. Важно, какие способности вы проявите и как сможете себя зарекомендовать при работе в агентстве. Работодатели, прежде всего, обращают внимание на целеустремленность, инициативность и желание сотрудника зарабатывать в этой сфере.

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    Возможность работать по совместительству

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    Если вы еще не решили окончательно сменить сферу деятельности, то можно совмещать риелторство с другой работой. Так вы сможете вникнуть в суть этой профессии и понять, подходит ли она вам.

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    Уровень дохода

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    Размер дохода риелтора не имеет четких границ – он зависит от количества заключенных договоров. От стоимости объекта зависит сумма, которую составит процент по сделке. Результаты вашей работы прямо влияют на уровень получаемого дохода.

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    Минимум офисной рутины

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    Деятельность риелтора основана на динамичности и активности. Основная его работа состоит преимущественно из деловых встреч, переговоров, проведения просмотров объектов и консультации клиентов. 

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    Риелтор занимается также оформлением договоров, но большинство таких задач бывают типовыми и не занимают много времени. В некоторых агентствах даже предусмотрена отдельная должность для работы с документами. 

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    Неограниченные возможности

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    Став агентом по продаже недвижимости, вы сможете развиваться в этой отрасли, повышать ценник за свои услуги. Карьерный рост зависит исключительно от ваших личных качеств. Возможно, в будущем вы даже сможете открыть собственное агентство.

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    Полезные контакты и знакомства

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    В процессе риелторской деятельности вы сможете обзавестись рядом полезных связей. Они могут помочь вам в карьерном росте и личных целях. Бывшие клиенты благодарны риелторам за оказанные услуги и готовы помочь в решении возникших проблем.

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    Недостатки работы агента по недвижимости

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    Минусы работы в агентстве по недвижимости также имеются, но их гораздо меньше, чем плюсов.

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    Ненормированный график

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    Начинающему риелтору иногда приходиться работать без выходных, быть постоянно на связи с клиентами и руководителем агентства. Со временем он учится правильно расставлять приоритеты и планировать свой рабочий график, не пренебрегая отдыхом и личными интересами. 

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    Длительный старт

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    Из-за постоянной конкуренции начинающему агенту достаточно сложно влиться в новую для себя сферу. Не рассчитывайте, что в первый месяц у вас появится много клиентов. Если вам удалось заключить несколько успешных сделок – это уже приемлемый результат. Но на старте карьеры лучше иметь «финансовую подушку».

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    Большая психологическая нагрузка

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    Работа риелтора часто сопровождается возникновением нестандартных ситуаций, что может спровоцировать у вас стресс. Дополнительную нагрузку накладывает ответственность перед клиентом за его недвижимость и обещанные сроки работ.

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    Нестабильный заработок

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    Обычно риелторы работают в агентстве не на ставку, а за процент от заключенных сделок. Падение спроса может значительно снизить доход риелтора. Поэтому ему нужно заниматься постоянным развитием и не пренебрегать возможностями для дополнительного заработка.

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    Хотите получать ещё больше дохода от риелторства?

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    Сервис партнерских продаж Пампаду постоянно совершенствует свои офферы, чтобы обеспечивать выгодные условия сотрудничества. Став нашим партнером, агент может увеличить общий доход в 2-3 раза. 

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    Например, вы сможете помогать своим клиентам в страховании имущества, купленного в ипотеку. Полис, оформленный через наш сервис, обойдется клиенту дешевле, чем в банке, на 20-40 %. 

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    Станьте партнером Пампаду и получайте комиссионные выплаты за каждый выданный полис!

    \n', 'Работа риэлтором в агентстве недвижимости: плюсы или минусы', 'Хотите устроиться в риелторскую контору, но сомневаетесь? Расскажем про легкий старт в профессии. Вы узнаете, какие плюсы и минусы имеет работа риелтором в агентстве недвижимости.', 'publish', 'open', 'open', '', 'rabota-rieltorom-v-agentstve-nedvizhimosti-plyusy-ili-minusy', '', '', '2023-06-14 15:18:13', '2023-06-14 15:18:13', '', 0, 'https://pampadu.ru/blog/?p=2966', 0, 'post', '', 0), (2967, 1, '2023-06-14 15:14:05', '2023-06-14 15:14:05', '', '1030х502-3 (4)', '', 'inherit', 'open', 'closed', '', '1030h502-3-4-2', '', '', '2023-06-14 15:14:05', '2023-06-14 15:14:05', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-3-4.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (2969, 15, '2023-06-14 15:24:41', '2023-06-14 15:24:41', '\n

    Основывая риелторское агентство, владелец планируя создать работающий бизнес, рассчитывает получать прибыль. Для этого нужно продумать стратегию до мелочей – от места расположения офиса до набора персонала.

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    Сервис партнерских продаж Пампаду собрал и обобщил информацию о деятельности агентств по продаже недвижимости. Мы провели анализ и выяснили, какой должна быть структура агентства недвижимости.

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    Необходима ли четкая структура в агентстве недвижимости?

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    Профессионализм и инициативность сотрудников – путь к успеху для любого риелторского агентства. Но должна ли у него быть четко определена структура? 

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    В небольших агентствах зачастую работают всего несколько сотрудников. Каждому из них приходится заниматься размещением объявлений, поиском клиентов, рекламой, подготовкой документов, проведением консультаций. 

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    Такая работа может быть продуктивной, если агент все силы направит на одного заказчика, не будет вести других клиентов. Если же он будет сопровождать несколько объектов и одновременно искать новых клиентов, он рискует не заметить выгодные возможности, сорвать задачу, упустить заключение сделки. 

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    Выходом из такой ситуации может стать четкое распределение обязанностей между сотрудниками агентства. Будет гораздо продуктивнее, если за одним из них будут закреплены обязанности по размещению рекламы, за другим – пополнение клиентской базы, за третьим – показ объектов.

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    Отличия в штате риелторских компаний

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    Единой структуры, одинаково подходящей любой компании, не существует. Организация персонала зависит от нескольких факторов. Прежде всего, на нее влияет объем работы.

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    В небольшом агентстве сотрудники могут совмещать несколько должностей. Например, директор может самостоятельно контролировать финансовые операции. Или наоборот, некоторые функции можно передать на аутсорсинг, приглашая приходящего юриста для оформления документов. А в функции агентов такой компании входят все остальные обязанности. Это общение с заказчиками, запуск рекламы, осмотр объектов, проведение показов недвижимости перед потенциальными клиентами.

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    Если компания имеет обширную клиентскую базу, потребуется штат сотрудников побольше. Например, потребуется должность секретаря руководителя для выполнения его личных поручений и приема посетителей. Здесь уже устанавливается структура с разделением на отделы по компетенции. За сотрудниками этих отделов закрепляются соответствующие должностные обязанности. Например, работа с жилой или нежилой недвижимостью, ипотечное кредитование, взаимодействие с арендодателями и арендаторами. Благодаря разделению рабочих процессов, команда продуктивнее введет деятельность. При этом компания способна обрабатывать разные типы задач.

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    С чего начать, создавая риелторскую контору

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    Предполагается, что руководитель компании владеет основами риелторской деятельности и сам будет контролировать все рабочие процессы.

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    Прежде всего, необходимо установить свою деятельность в рамках закона. OOO и ИП – популярные организационно-правовые формы агентств недвижимости в нашей стране. Помимо регистрации в налоговой инспекции на этом этапе нужно разработать устав организации – учредительный документ, регулирующий порядок работы компании.

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    Затем руководителю необходимо найти помещение, где будет располагаться риелторская контора. Желательно арендовать офис на первом этаже здания, обозначить его вывеской. Отдельный вход будет преимуществом при выборе помещения. Если агентство будет находиться в бизнес-центре, необходимо обозначить его расположение в здании при помощи указателей. Выбрав помещение, нужно оборудовать его мебелью, офисной техникой, приобрести канцелярские принадлежности для работы.

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    Затем нужно выбрать стратегию продвижения услуг, поиска клиентов. С этой целью можно использовать различные маркетинговые инструменты – от размещения рекламы в печатных изданиях до разработки собственного сайта. Теперь можно переходить к созданию организационно-штатной структуры.

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    Итак, создавая компанию руководителю нужно набрать персонал. Конечно, любой работодатель заинтересован нанять сотрудников с опытом, устоявшейся репутацией, наличием собственной клиентской базы. Но в агентства часто набирают людей, не имеющих опыта. Планируется самостоятельно их обучить, «вырастить» под себя.

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    Набирая в штат риелторов, нужно обдумать их мотивацию. Стимулом станет достаточная зарплата или установленный процент от сделок. Также можно предусмотреть премию за достижение в работе установленных показателей и другие доплаты. Не стоит забывать о создании дружественной атмосферы в коллективе, обустройстве комфортного рабочего места для каждого агента.

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    Проводя собеседование с кандидатом на должность риелтора, стоит обсудить с ним его будущие должностные обязанности. Для этого стоит заранее спланировать объем работ, который будет возлагаться на конкретного сотрудника.

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    В общем случае риелторское агентство предусматривает наличие таких должностей:

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    Для каждой вакансии необходимо составить перечень обязанностей – должностную инструкцию сотрудника. Ознакомившись с ней, сотрудник будет понимать, какие функции на него возлагаются.

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    Виды штатных структур

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    Можно выделить типовые структуры агентств недвижимости. Они доказали действенность на практике.

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    Линейная

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    Для такой структуры характерна четкая иерархия должностей с подчинением вышестоящему звену. К примеру, начальники отделов лично контролируют сотрудников своего подразделения, несут за их работу ответ перед директором. Такая схема организации работы подходит для средних и развитых агентств недвижимости.

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    Функциональная

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    Этот вид характеризуется прямым подчинением руководителю всех сотрудников. Каждый из них отвечает за определенный участок задач. Такая структура может применяться в небольшом рабочем коллективе. При увеличенном штате сотрудников такая модель применяется редко.

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    Линейно-функциональная

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    Эта схема основана на принципе единоначалия. При этом руководители отделов могут принимать решения по компетенции, согласовывая действия с директором.

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    Изменения в структуре агентства недвижимости

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    Схема организационной структуры агентства недвижимости утверждается при его создании. Но это не значит, что ее нельзя будет изменить. Необходимость корректировки может возникнуть в процессе риелторской деятельности. Это может быть обусловлено влиянием следующих факторов:

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    Причиной к изменению штатной структуры может стать также снижение прибыли, передел обязанностей между сотрудниками и необходимость сокращения персонала. К сожалению, в период кризисов часто происходит спад рынка недвижимости. Такие обстоятельства могут возникнуть в любой компании.

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    Обязанности сотрудников

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    Каждая должность в агентстве предполагает выполнение списка задач. Их необходимо закрепить перечнем обязанностей работника. Эти списки могут отличаться у отдельных сотрудников, даже в пределах одного отдела. Все обязанности должны быть определены в рамках риелторской деятельности. К задачам работников относятся:

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    Возлагая на сотрудника обширный перечень обязанностей, работодателю стоит убедиться, что тот справится с поставленным объемом задач. В противном случае его деятельность окажется непродуктивной. В результате чего может пострадать репутация агентства, а владелец лишиться прибыли. Этой проблемы легко избежать, установив среди персонала четкое разделение обязанностей.

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    Подведем итог. Чтобы агентство продуктивно работало, приносило владельцу прибыль, важно заранее составить схему его организационной структуры. Нужно запланировать объем работ, обязанности отдельных сотрудников. Тогда компания будет пользоваться доверием среди клиентов, станет популярной.

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    Хотите получать ещё больше дохода от риелторства?

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    Сервис Пампаду предоставляет риелторам и агентствам по продаже недвижимости возможность увеличить свой заработок. Совмещая риелторскую деятельность с участием в партнерской программе, можно получить дополнительный доход или прибавку к зарплате. 

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    Стать нашим партнером легко – вы регистрируетесь на нашем портале и сразу получаете доступ в личный кабинет, в котором отображаются все действующие предложения для сотрудничества. Среди них представлены различные офферы. На сайте можно найти предложения по страхованию, банковским услугам, подбору персонала.

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    \n\n\n\n

    Участвуя в партнерской программе ипотечного страхования, можно получать комиссионные выплаты до 60%. Сотрудничать с нами выгодно и вам, и вашим клиентам – они могут оформить страхование ипотеки по сниженной ставке, не тратя времени на поиск решения.

    \n', 'Организационная структура агентства недвижимости', 'В статье подробно расскажем о том, что собой представляет структура агентства недвижимости. Рассматриваем создание риелторской компании пошагово – от регистрации до грамотного подбора персонала.', 'publish', 'open', 'open', '', 'organizatsionnaya-struktura-agentstva-nedvizhimosti', '', '', '2023-06-14 15:24:41', '2023-06-14 15:24:41', '', 0, 'https://pampadu.ru/blog/?p=2969', 0, 'post', '', 0), (2970, 1, '2023-06-14 15:24:08', '2023-06-14 15:24:08', '', '1030х502-4 (4)', '', 'inherit', 'open', 'closed', '', '1030h502-4-4-2', '', '', '2023-06-14 15:24:08', '2023-06-14 15:24:08', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-4-4.jpg', 0, 'attachment', 'image/jpeg', 0), (2972, 15, '2023-06-14 15:29:49', '2023-06-14 15:29:49', '\n

    Сервис партнерских программ Pampadu предлагает всем желающим заработок на продаже финансовых и страховых продуктов. Сотрудничать с нами могут ИП и агентства недвижимости, повышая свою репутацию и лояльность клиентов. Мы знаем, как работают риелторы, и что мы можем им предложить.

    \n\n\n\n

    Профессию риелтора рассматривают для себя многие соискатели. Она привлекает их активным графиком работы и возможностью хорошо зарабатывать. Но некоторым эта профессия кажется сложной и непонятной. Однако если вы готовы развиваться и вкладывать силы, стоит себя в ней попробовать.

    \n\n\n\n

    Принципы работы риелтора

    \n\n\n\n

    Результат работы риелтора зависит от того, насколько человек стремиться к цели. Никаких гарантий получения конкретного результата нет. Поток клиентов и успешность сделок напрямую зависят от подхода и умений самого работника. Чтобы иметь нормальный доход, агенту необходимо за месяц заключать 3-5 договоров на оказание услуг и закрывать хотя бы 2-3 сделки.

    \n\n\n\n

    Особенности профессии риелтора

    \n\n\n\n

    Прежде всего, перед риелтором стоит задача стать эксклюзивным представителем клиента и заключить с ним договор на оказание услуг. Необходимо помнить, что предложения на рынке недвижимости превышают спрос. Это значит, что найти продавца риелтору проще, чем покупателя. 

    \n\n\n\n

    Продавец недвижимости может сам выставить объект на продажу, запустить рекламу. Цель риелтора – дать рекламу объекта от своего имени и отслеживать заявки потенциальных покупателей. 

    \n\n\n\n

    В разговоре с покупателем необходимо обсудить подробности сделки. После переговоров агент переходит к показу недвижимости. На этом этапе важно понять желания потребителя. Если покупателю не подходит эта квартира по критериям, нет смысла вести его на просмотр объекта.

    \n\n\n\n

    Помните, что в работе риелтора приветствуется хитрость и смекалка. Включите собственное обаяние, чтобы завладеть вниманием потенциального покупателя. Но ни в коем случае не стоит его обманывать, приукрашать действительность. Такими действиями вы только загубите свою репутацию, лишитесь доверия клиентов.

    \n\n\n\n

    Как начать работать риэлтором: советы новичкам

    \n\n\n\n

    Вы должны быть готовы к тому, что в начале деятельности будет сложно и результат придет не сразу. Начните с простых шагов, которые помогут вам стать на ноги в профессии.

    \n\n\n\n

    Попробуйте себя в продажах

    \n\n\n\n

    Прежде, чем устроиться работать в риелторскую контору, попробуйте поработать менеджером по продажам. Если вы справитесь с этой работой и адаптируетесь к стрессу, тогда риелторский бизнес вам тоже подойдет.

    \n\n\n\n

    Накопите сбережения 

    \n\n\n\n

    Меняя род деятельности, желательно иметь подушку безопасности минимум на три месяца вперед. Никто не может гарантировать вам достойный заработок в начале карьеры, поэтому лучше подстраховаться. Совмещать риелторство с основной работой удается мало кому, ввиду отсутствия времени. Вам нужно удалить внимание своему развитию в новой профессии, не отвлекаясь на другие задачи.

    \n\n\n\n

    Составьте резюме

    \n\n\n\n

    Зайдите на сайт поиска вакансий и создайте там резюме, заполнив анкету. Посмотрев похожие вакансии по городу, вы сможете изучить требования к соискателям. Внесите в резюме правки на основе полученной информации. После этого можно начинать рассылать отклика на вакансии агентств.

    \n\n\n\n

    Получите доступ к клиентской базе

    \n\n\n\n

    Риелтору без опыта не обойтись без базы клиентов. Получить доступ к готовой базе можно, устроившись работать в агентство недвижимости. Такая работа может стать вашим стартом в профессии. Вы узнаете, как работают агенты по недвижимости и какие инструменты они для этого используют.

    \n\n\n\n

    Пройдите обучение

    \n\n\n\n

    Некоторые агентства недвижимости проводят обучение для новичков. Такие лекции обычно длятся 2-3 недели. За это время вы ознакомитесь с основами работы риелтора и получите ответы на свои вопросы. Недостающую информацию вы узнаете в процессе работы и наработки практического опыта.

    \n\n\n\n

    Нарабатывайте собственную базу клиентов

    \n\n\n\n

    Начав работать риелтором, сохраняйте контакты всех, кто к вам обращался. Вы сможете совершать повторные звонки с новыми предложениями, предоставить им дополнительные возможности.

    \n\n\n\n

    Кому легче освоить профессию риелтора

    \n\n\n\n

    Деятельность агента по недвижимости связана с общением. Она требует наличия и развития следующих деловых качеств:

    \n\n\n\n\n\n\n\n

    Как и любая, профессия риелтора подойдет не каждому. Но при упорстве и четком понимании своих целей, необходимые навыки можно успешно развить.

    \n\n\n\n

    Чем занимается риелтор

    \n\n\n\n

    Риелтор выступает посредником между продавцом и покупателем, арендодателем и арендатором. Но на этом его функции не исчерпываются. Он должен быть советником и помощником для собственника недвижимости – текущего или будущего. В его задачи входит:

    \n\n\n\n\n\n\n\n

    Этот список может быть дополнен действиями иного характера в зависимости от конкретной ситуации. Агент по недвижимости помогает своему клиенту достичь цели, сопровождает все этапы процесса – от поиска жилья до заключения сделки.

    \n\n\n\n

    Что нужно для работы риелтором

    \n\n\n\n

    Профессия риелтора не требует наличия специального образования, получений лицензии или сертификата. Специальное оборудование для работы также не требуется – достаточно телефона с выходом в интернет. Успех зависит от ваших навыков и готовности работать с полной отдачей.

    \n\n\n\n

    Начинайте строить карьеру постепенно:

    \n\n\n\n\n\n\n\n

    Есть несколько способов для старта в профессии:

    \n\n\n\n

    1. Пойти на стажировку в крупную компанию или найти наставника. Работать с нуля лучше начинать в агентстве. С помощью опытных риелторов вы заполните пробелы в знаниях и освоите действенные методы работы.

    \n\n\n\n

    2. Оформить ИП, заняться собственным бизнесом. Для регистрации вам потребуется уставной капитал, поэтому нужно иметь финансовую подушку. Первое время дохода может совсем не быть, к этому надо быть готовым. Для наработки клиентской базы, возможно, потребуется запустить рекламу. 

    \n\n\n\n

    3. Стать частным риелтором. Можно попробовать работать без оформления, но это способ чреват проблемами с налоговой инспекцией. Самостоятельную работу можно начать с создания сайта или ведения тематического блога в социальных сетях.

    \n\n\n\n

    Как работают черные риелторы

    \n\n\n\n

    Если вы планируете работать в сфере недвижимости, вам нужно знать про темную сторону этого бизнеса. Речь идет о черных риелторах, с которыми нередко сталкиваются клиенты.

    \n\n\n\n

    Черный риелтор – это агент по недвижимости, который прибегает в работе к мошенническим действиям. Он может использовать разные схемы. Но цель их одна – обманным путем лишить жертву сбережений или собственности. Такие истории нередко мелькают в криминальных сводках, но привлечь мошенника к уголовному наказанию удается не всегда.

    \n\n\n\n

    В процессе заключения сделок можно столкнуться с лицами это категории. Не стоит иметь с ними никаких дел. Соблюдайте меры предосторожности, тщательно проверяя информацию. Иначе подобный контакт может обойтись вам слишком дорого – и для карьеры, и для кошелька.

    \n\n\n\n

    Почему покупатель становится жертвой мошенников

    \n\n\n\n

    Чтобы не стать жертвой черного риелтора, продавцу (покупателю) следует внимательно читать договор, вникая во все подробности. Не каждый может разобраться в юридических тонкостях, не имея достаточных знаний в этой сфере. Этим пользуются недобросовестные риелторы, обманным путем лишая владельцев собственности или денег.

    \n\n\n\n

    Если клиент не в состоянии оценить законность договора, нужно обратиться за помощью к юристу. Он изучит документ и оценит риски совершения сделки. Старайтесь, чтобы информация о купле-продаже не попала в ненужные источники. Операции с недвижимостью относятся к дорогостоящим, поэтому относитесь к их проведению с осторожностью.

    \n\n\n\n

    Хотите получать ещё больше дохода от риелторства

    \n\n\n\n

    Сервис партнерских продаж Пампаду постоянно совершенствует свои предложения, чтобы обеспечивать выгодные условия сотрудничества. Став нашим партнером, вы сможете зарабатывать на продаже банковских и страховых офферов. 

    \n\n\n\n

    Например, вы можете предложить застраховать ипотеку своим клиентам, оформив полис через наш сервис. Страховка обойдется клиенту дешевле, чем в банке, на 20-40 %, а вы сможете получить комиссионные выплаты за участие в партнерской программе до 60 % от цены полиса.

    \n', 'Как работают риэлторы по недвижимости', 'Решили попробовать себя в качестве риелтора, но не знаете о рисках этой профессии? Расскажем, как начать зарабатывать новичку. Из статьи вы узнаете, как работают риелторы и что входит в их обязанности.', 'publish', 'open', 'open', '', 'kak-rabotayut-rieltory-po-nedvizhimosti', '', '', '2023-06-14 15:29:49', '2023-06-14 15:29:49', '', 0, 'https://pampadu.ru/blog/?p=2972', 0, 'post', '', 0), (2973, 1, '2023-06-14 15:29:02', '2023-06-14 15:29:02', '', '1030х502-5 (4)', '', 'inherit', 'open', 'closed', '', '1030h502-5-4-2', '', '', '2023-06-14 15:29:02', '2023-06-14 15:29:02', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-5-4.jpg', 0, 'attachment', 'image/jpeg', 0), (2975, 15, '2023-06-14 15:43:53', '2023-06-14 15:43:53', '\n

    Сервис партнерских продаж Пампаду проанализировал информацию о работе экспертов по недвижимости с многолетним стажем. Мы выяснили, как риелтору найти клиентов, и подготовили для вас краткую инструкцию.

    \n\n\n\n

    Поиск клиентов для риелтора: методы

    \n\n\n\n

    Условно способы поиска клиентов в случае с купли-продажи недвижимости можно разделить на две категории: онлайн и оффлайн. 

    \n\n\n\n

    Онлайн-поиск проводят, использую все возможности виртуальной сети. К таким методам можно отнести ведение страницы в социальных сетях, создание персонального сайта, реклама через доски онлайн-объявлений, сайты, направленные на продажу недвижимости.

    \n\n\n\n

    Во втором варианте предусмотрена наработка клиентской базы без использования интернета, вживую. К ней относится метод сарафанного радио, размещение рекламных объявлений в СМИ, раздача визиток или листовок, информирующих о ваших услугах. 

    \n\n\n\n

    Отдельно стоит остановиться на поиске клиентуры для риелтора по аренде. К вопросам съема жилья люди относятся проще, чем к ее покупке, поэтому в этом случае будут продуктивны объявления в соцсетях, прессе, на сайтах по аренде недвижимости. 

    \n\n\n\n

    Можно воспользоваться нестандартными способами – например, донести информацию до поступающих в ВУЗ студентов. Если приходится менять город проживания, они могут быть в поиске жилья и не иметь знакомых риелторов. С этой целью можно размещать объявления и раздавать визитки около учебных заведений, сетей фастфуда, напрямую взаимодействовать с преподавателями, рекламируя свои услуги.

    \n\n\n\n

    Как найти клиентуру начинающему риелтору

    \n\n\n\n

    Для новичка лучшим выбором будет работа в агентстве. Риелторская контора предоставляет своему сотруднику доступ к клиентской базе. Также вы сможете получить поддержку, новые знания и опыт от более опытных коллег.

    \n\n\n\n

    Начинающий риелтор может найти клиентов с помощью таких приемов:

    \n\n\n\n
    1. Привлеките все свои контакты: родственников, друзей, знакомых, продавцов, парикмахера, тренера и т.д. Расскажите им о получении вами новой специализации и о том, какую помощь вы оказываете клиентам. Ваша речь не должна быть похожа на рекламу, говорить нужно оптимистично и по делу. Чтобы получить первых клиентов, можно предложить им свою помощь за символическую плату.
    2. Познакомьтесь с жильцами своего дома, активистами, консьержками. Они быстро узнают, что кто-то из жильцов собирается продать квартиру. 
    3. Общайтесь с сотрудниками ЖЭК, паспортных столов, ЗАГС, ритуальных контор. Они первыми могут узнать о планирующихся переездах жильцов, продаже недвижимости. Возможно, сведения о будущих клиентах, предоставленные информаторами, придется оплатить. 
    4. Почаще выходите из дома, посещайте тематические выставки и мероприятия с большим скоплением людей. Найти своего клиента риелтор может в любом месте.
    \n\n\n\n

    Также можно звонить по объявлениям схожей тематики, предлагая свою помощь – есть вероятность, что клиент сохранит ваш номер и обратится за услугами позже.

    \n\n\n\n

    Как привлекать клиентов опытному риелтору 

    \n\n\n\n

    Опытный риелтор не испытывает недостатка в клиентах, но и в его работе может наступить кризис. В таком случае стоит использовать дополнительные возможности для продвижения:

    \n\n\n\n\n\n\n\n

    Какими качествами должен обладать риелтор, чтобы постоянно привлекать новых клиентов? 

    \n\n\n\n
    1. Иметь четкую речь, общаться без жаргонных слов;
    2. Внимательно слушать, не перебивать собеседника;
    3. Подстраивать рабочие встречи под график работы своих клиентов;
    4. Желательно иметь собственный автомобиль для поездок, чтобы не опаздывать на встречи.
    \n\n\n\n

    Репутация всегда будет работать на вас. Профессиональный имидж знатока, постоянно расширяющего свой опыт, поможет вам найти новых клиентов и удержать старых.

    \n\n\n\n

    Как риелтору найти клиентов офлайн

    \n\n\n\n

    Существует много способов, с помощью которых можно донести информацию до большого числа людей:

    \n\n\n\n
    1. Размещение объявлений в СМИ. Это возможность заявить о себе и привлечь внимание потенциальных клиентов. Мы ежедневно получаем информацию через телевидение, печатные и интернет-издания, радио. Таким способом можно предложить свои услуги и консультации большому числу людей. 
    2. Сарафанное радио. Эта форма бесплатной рекламы вызывает доверие у потенциальных клиентов. Если вы давно работаете риелтором, то наверняка у вас уже имеется собственная клиентская база. Всегда рассказывайте клиентам о готовности в дальнейшем помочь покупке-продаже недвижимости. Эти люди могут порекомендовать вас своим родственникам и знакомым, которые хотят иметь дело с надежным, проверенным человеком. Привлекайте покупателей и через свои родственные и приятельские связи.
    3. Нетворкинг. Заводите больше новых знакомств и продавайте услуги через постоянное общение. Риелтору нужно уметь правильно говорить, четко озвучивать свои мысли и цели, чтобы донести свою ценность до заказчика. 
    4. Распространение полиграфической продукции. Один из популярных способов информировать клиентов о своих услугах. В буклетах важно указать контактную информацию и представить себя, как надежного и действующего в рамках законодательства риелтора. Типографскую продукцию можно раздавать в торговых центрах и других местах большого скопления людей.
    5. Раздача визиток. Как ни странно, этот метод рекламы продуктивно работает и по сей день. Распространять визитки можно по пути на работу, в магазин, кафе или аптеку. Необязательно раздавать визитки потенциальным клиентам самостоятельно – можно воспользоваться услугами нанятых промоутеров. При любой возможности старайтесь оставить визитки на ресепшене заведений с большой людской проходимостью – в том случае, если вам разрешат это сделать. Таким заведением может стать сервисный центр, зоомагазин или рекламное агентство.
    6. Через почтовые ящики. Это вариант скорее для начинающих. Не имея опыта в продажах недвижимости, можно начать с такой рекламы. Распечатайте небольшой текст с предложением своих услуг и в свободное время разложите листовки по почтовым ящикам. 
    7. Поквартирный обход. Вариант, занимающий много времени. Подходит для агента, клиент которого решил купить недвижимость в определенном районе или по конкретному адресу. В этом случае риелтор может самостоятельно обойти квартиры, озвучивая свое предложение. Иногда схема быстро срабатывает и продавец поддерживает вашу инициативу. При наличии свободного времени вы можете обойти квартиры в своем районе – даже если вы не получите большой поток клиентов, вас запомнят и в будущем это может принести результат.
    \n\n\n\n

    Каждому варианту свойственны свои особенности, но главное – научиться «продавать себя». Чтобы подвести заказчика к совершению сделки, нужно вызвать у него доверие и заинтересовать.

    \n\n\n\n

    Поиск клиентов в интернете

    \n\n\n\n

    Клиентов можно искать, даже не покидая дома или офиса – с помощью интернета.

    \n\n\n\n

    Для этого можно использовать такие инструменты, как: 

    \n\n\n\n\n\n\n\n

    Этот способ поиска эффективен, поэтому и начинающим, и опытным агентам стоит использовать все возможности онлайн-площадок.

    \n\n\n\n

    Хотите получать от риелторства больший доход?

    \n\n\n\n

    Тогда начните сотрудничать с сервисом партнерских продаж Пампаду! Совмещая риелторскую деятельность с участием в нашей партнерской программе, можно увеличить свой заработок в 2-3 раза.

    \n\n\n\n
    \"\"
    \n\n\n\n

    После регистрации на нашей площадке вы сразу получите доступ в личный кабинет, в котором отображаются все действующие для сотрудничества офферы. Например, вы можете помочь клиентам застраховать ипотечную собственность и получить комиссионное вознаграждение за продажу полиса.

    \n\n\n\n
    \"\"
    \n\n\n\n

    Программа страхования ипотеки открывает новые перспективы для риелторских агентств и ИП. Мы сотрудничаем с ведущими страховыми компаниями, банками и крупнейшими рекламодателями. Выполнять целевые действия и получать за них комиссионное вознаграждение сможет каждый, независимо от имеющегося опыта в продажах!

    \n', 'Как риэлтору найти клиентов: практические советы, инструменты и методы поиска', 'Расскажем вам о том, как риелтору найти клиентов. Рассматриваем поиск клиентов офлайн и онлайн. Поможем начинающим агентам по недвижимости найти первых клиентов, опытным – расширить свою базу. \n', 'publish', 'open', 'open', '', 'kak-rieltoru-najti-klientov-prakticheskie-sovety-instrumenty-i-metody-poiska', '', '', '2023-06-14 15:43:53', '2023-06-14 15:43:53', '', 0, 'https://pampadu.ru/blog/?p=2975', 0, 'post', '', 0), (2976, 1, '2023-06-14 15:39:51', '2023-06-14 15:39:51', '', '1030х502-2 (3)', '', 'inherit', 'open', 'closed', '', '1030h502-2-3-2', '', '', '2023-06-14 15:39:51', '2023-06-14 15:39:51', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-2-3.jpg', 0, 'attachment', 'image/jpeg', 0), (2977, 1, '2023-06-14 15:42:29', '2023-06-14 15:42:29', '', '1686757312437', '', 'inherit', 'open', 'closed', '', '1686757312437', '', '', '2023-06-14 15:42:29', '2023-06-14 15:42:29', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1686757312437.jpg', 0, 'attachment', 'image/jpeg', 0), (2978, 1, '2023-06-14 15:42:44', '2023-06-14 15:42:44', '', '1686757330094', '', 'inherit', 'open', 'closed', '', '1686757330094', '', '', '2023-06-14 15:42:44', '2023-06-14 15:42:44', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1686757330094.jpg', 0, 'attachment', 'image/jpeg', 0), (2980, 13, '2023-06-15 11:01:15', '2023-06-15 11:01:15', '\n

    Мы запустили собственную трекинговую систему, которая открывает большие возможности для наших пользователей. ?

    \n\n\n\n

    — Теперь, при копировании ссылки, вы увидите всплывающее окно, где сможете не просто скопировать ссылку но и добавить параметры sudid, в которые можете записать любые свои значения и отследить их эффективность с помощью нового среза статистики \"По sub ID\"

    \n\n\n\n

    — В инструменте \"Моя статистика\" обновились метрики, теперь вы можете отслеживать количество кликов, CR и EPC. Для того, чтобы клики и новые метрики считались, вам нужно использовать новые трекинговые ссылки.

    \n\n\n\n

    — Добавился новый раздел для веб-мастеров - \"Postback\".
    Теперь вы можете отправлять в свою собственную трекинговую систему конверсии, статусы и т.д.

    \n\n\n\n

    — Теперь при отключении оффера, весь трафик будет редиректиться автоматически на подобный оффер другого банка, это значит, что вы не будете терять трафик и конверсии.

    \n\n\n\n

    ⚡️Данные изменения должны сделать ваш трафик еще более прозрачным, а ваши рекламные кампании еще более эффективными!

    \n\n\n\n

    Зарабатывайте вместе с Пампаду!

    \n', 'Обновление финансовой и HR-вертикали!', 'Мы запустили собственную трекинговую систему, которая открывает большие возможности для наших пользователей и их заработка!', 'publish', 'open', 'open', '', 'obnovlenie-finansovoj-i-hr-vertikali', '', '', '2023-06-15 11:01:15', '2023-06-15 11:01:15', '', 0, 'https://pampadu.ru/blog/?p=2980', 0, 'post', '', 0), (2981, 1, '2023-06-15 11:01:01', '2023-06-15 11:01:01', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-74', '', '', '2023-06-15 11:01:01', '2023-06-15 11:01:01', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-14.png', 0, 'attachment', 'image/png', 0), (2985, 13, '2023-06-15 12:42:44', '2023-06-15 12:42:44', '\n

    ? Делимся цифрами мая по банковским продуктам на Пампаду:

    \n\n\n\n

    — Максимальный заработок одного пользователя в мае с продаж банковских продуктов составил 283 000 рублей!
    — В общей сложности наши пользователи заработали 18,5+ млн. рублей!
    — Продано более 3,500 банковских продуктов.
    — Отправлено 13 000 заявок.

    \n\n\n\n

    Подписывайтесь на ➡️ канал посвященный банковским продуктам и узнавайте все новости первыми!
    У вас есть возможность вступить в ➡️ чат поддержки, где обсуждают рабочие ситуации, обмениваются опытом, задают интересующие вопросы.

    \n\n\n\n

    Не останавливайтесь на достигнутых результатах и увеличивайте свой доход с помощью продуктов Пампаду!

    \n', 'Цифры мая по банковским продуктам', 'Делимся цифрами мая по банковским продуктам на Пампаду.', 'publish', 'open', 'open', '', 'tsifry-maya-po-bankovskim-produktam', '', '', '2023-06-15 12:42:44', '2023-06-15 12:42:44', '', 0, 'https://pampadu.ru/blog/?p=2985', 0, 'post', '', 0), (2986, 1, '2023-06-15 12:42:31', '2023-06-15 12:42:31', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-20', '', '', '2023-06-15 12:42:31', '2023-06-15 12:42:31', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-1-2.jpg', 0, 'attachment', 'image/jpeg', 0), (2988, 13, '2023-06-16 09:54:39', '2023-06-16 09:54:39', '\n

    Для участия в реферальной программе делитесь реферальной ссылкой, привлекая новых агентов на Пампаду.

    Реферальная ссылка – это ссылка от сервиса Pampadu, которую агент отправляет для регистрации новому пользователю. После регистрации реферал оформляет договоры страхования на платформе Пампаду, а пригласивший его агент получает за каждый его оформленный полис ОСАГО по 50 руб. на баланс, 1% от стоимости оформленного ипотечного полиса, 5% от комиссии по банковским продуктам и подбору персонала (HR продуктам).

    ❗️ В отличие от агентов из вашей сети, рефералов не нужно курировать. Всех, кто зарегистрируется по вашей реферальной ссылке, вести будем мы сами.
    Бонус за продажи привлеченных пользователей по ОСАГО, ипотечному страхованию, финансовым и HR продуктам автоматически будет начислен на ваш баланс в день начисления на баланс реферала.

    Что сделать для получения пассивного заработка?

    Распространите реферальную ссылку среди потенциальных пользователей сервиса. В первую очередь отправляйте ее своим коллегам, которые занимаются оформлением страховых и финансовых продуктов, наймом персонала.

    ? Реферальная ссылка находится ЗДЕСЬ.

    Где можно поделиться ссылкой?

    Если у Вас есть личный сайт, интернет-сервисы для страховых агентов, финансовых брокеров, вебмастеров, группы в соцсетях и мессенджерах или Ютуб-канал, то опубликуйте свою реферальную ссылку на этих площадках. Если сайта нет, опубликуйте реферальную ссылку на своей странице в соцсетях или отправьте своим друзьям и коллегам напрямую через смс или email.

    Примеры заработка от рефералов:

    \n\n\n\n
    \"\"
    \n\n\n\n

    Другой пример:

    Если у вас будет 10 рефералов, продающих по 10 продуктов каждой вертикали в месяц, ваш пассивный доход может составить 33 400 руб. в месяц.

    Полные условия в разделе ➡️ ПОМОЩЬ

    Приглашайте пользователей на Пампаду и получайте пассивный заработок с их продаж.

    ? С заботой о вас, команда Пампаду!

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    Газпромбанк считается одним из самых крупных банков России. Организация оформляет клиентам дебетовые карточки и кредитки, ипотечные займы, оказывает услуги, связанные с РКО. Созданная Газпромбанк партнерская программа содержит 19 офферов. 

    \n\n\n\n

    Офферы партнерки Газпромбанка на Пампаду

    \n\n\n\n

    С дебетовыми картами связано 3 предложения. 1-е из них – «Дебетовая карта UnionPay». Оно предусматривает такие условия: 

    \n\n\n\n\n\n\n\n

    2-й оффер – «Дебетовая карта Премиум UP Diamond». Вознаграждение, равное 2500 руб., предоставляется за выдачу и активацию пластика. Другие показатели такие же, что и для UnionPay. 

    \n\n\n\n
    \"\"/
    \n\n\n\n

    3-е предложение – «Дебетовая карта МИР». 2000 руб. предоставляют агенту за выдачу и активацию карточки. Среднее время оплаты и процент подтверждений аналогичны указанным выше. 

    \n\n\n\n

    С кредитками связано 1 предложение партнерской программы Газпромбанка – «Кредитная карта 180 дней без %». Условия таковы: 

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    \"\"
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    В подразделе «Кредит наличными» личного кабинета агент найдет 6 офферов Газпромбанка. 1-й из них – «Кредит наличными от 4%». Условия следующие: 

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    \"\"/
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    2-й оффер – «Универсальный кредит». За выдачу кредитных средств агент получит 8000 руб. Деньги зачисляются в течение 2 мес. Из 100 заявок подтверждаются, в среднем, 3. 

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    Еще одно предложение – «Автокредит». За выдачу кредитных средств агенту предоставляют 8000 руб. Средний срок оплаты – 2 мес., подтверждения – 3%. Также есть оффер «Кредит под залог авто». Он предусматривает те же условия, что и «Автокредит», но вознаграждение равно 7790 руб. 

    \n\n\n\n

    Оффер «Рефинансирование кредита от 4%» предусматривает вознаграждение, равное 7500 руб., за выдачу кредитных денег. Агент получает оплату, в среднем, за 35 суток. Процент подтверждений равен 3%. 

    \n\n\n\n

    Последний из доступных в категории офферов – «Кредит на мотоцикл». За оформление кредита клиентом агент получит 5190 руб. Средний срок оплаты – 60 суток, процент подтверждений равняется 3%. 

    \n\n\n\n

    В разделе «РКО» представлен 1 оффер Газпромбанка – «Расчетный счет для бизнеса». Условия следующие: 

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    \"\"/
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    Есть оффер Газпромбанка и в категории «Вклады» – доступно предложение «Накопительный счет». Агент получает 3050 руб., если клиент открывает вклад от 50 000 RUB. Вознаграждение выдается, в среднем, через месяц. Процент подтверждений равен 7%. 

    \n\n\n\n

    С ипотечными займами связано 7 предложений Газпромбанка. Во всех случаях вознаграждение выдается, если кредитор одобряет заявку клиента. Доступны такие офферы: 

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    Условия партнерской программы Газпромбанка

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    Точные условия зависят от конкретного оффера. Например, в случае с «Дебетовой картой UnionPay» целевое действие должно быть исполнено в течение 2 мес. после подачи клиентом заявки. 

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    Требования к получателю карты: 

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    Из документов нужен лишь паспорт. Разрешены такие типы трафика: 

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    Можно использовать после согласования такие виды трафика: 

    \n\n\n\n\n\n\n\n

    Нельзя создавать от имени Газпромбанка паблики в соцсетях, каналы в мессенджерах. Также запрещено применять следующие типы трафика: 

    \n\n\n\n\n\n\n\n

    Сколько можно заработать на партнерке Газпромбанка

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    Заработок агента прямо зависит от того, сколько клиентов будет привлечено. Газпромбанк имеет право отказать в выдаче вознаграждения за заявки, которые признаны фродом. За использование запрещенных типов трафика агент будет отключен от программы. 

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    Плюсы и минусы партнерской программы Газпромбанка

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    Партнерка Газпромбанка имеет несколько важных преимуществ. Основные плюсы таковы: 

    \n\n\n\n
    1. Большое количество предложений. Агент точно найдет подходящий для себя вариант. Можно продвигать не только дебетовые и кредитные карты, но и РКО, ипотечное кредитование, иные банковские продукты. 
    2. Быстрое поступление вознаграждений. Для многих офферов средний срок оплаты равен месяцу. Это быстрее, чем для предложений иных банков, где срок ожидания может превышать 2 мес. 
    3. Неплохой размер вознаграждений по некоторым офферам. Например, при оформлении клиентом кредита наличными можно получить больше 18 000 руб. 
    \n\n\n\n

    Из недостатков можно отметить не самый большой размер вознаграждений по большинству офферов. Например, при привлечении клиента к оформлению ипотеки агент получает всего 2200 руб., что не так уж много для такого крупного кредита. 

    \n\n\n\n

    Как подключиться к партнерке Газпромбанка

    \n\n\n\n

    Для подключения к партнерской программе Газпромбанка необходимо: 

    \n\n\n\n
    1. Создать профиль в Pampadu. 
    2. Авторизоваться в аккаунте. 
    3. Открыть раздел «Фин. продукты». 
    4. Выбрать «Дебетовые карты», «Кредитные карты» или «Кредит наличными». Также можно перейти в «РКО», «Вклады», «Ипотека». 
    5. Найти нужное предложение и кликнуть по «Копировать ссылку». 
    \n\n\n\n

    Скопированную ссылку необходимо отправлять потенциальным клиентам банка. Вебмастер может посредством нее монетизировать трафик. После перехода по ссылке заемщик сам оформляет заявку и согласовывает ее с банковской компанией для одобрения. 

    \n\n\n\n

    О сервисе 

    \n\n\n\n

    Платформа Pampadu – удобный вариант для тех, кто хочет зарабатывать на сотрудничестве с банками, страховщиками. Большое количество офферов и возможность сразу поставить зачисленные вознаграждения на вывод делают сайт оптимальным для агентов. Создание аккаунта займет на платформе буквально пару минут. Если у агента возникнут вопросы, он всегда может связаться со службой технической поддержки, воспользовавшись специальным онлайн чатом.

    \n', 'Партнерская программа Газпромбанка', 'На платформе Pampadu агентам обеспечивается много возможностей для заработка. Один из неплохих вариантов – созданная Газпромбанк партнерская программа. \n', 'publish', 'open', 'open', '', 'partnerskaya-programma-gazprombanka', '', '', '2023-06-16 14:51:29', '2023-06-16 14:51:29', '', 0, 'https://pampadu.ru/blog/?p=2998', 0, 'post', '', 0), (2999, 1, '2023-06-16 14:47:53', '2023-06-16 14:47:53', '', '1030х502-1', '', 'inherit', 'open', 'closed', '', '1030h502-1-21', '', '', '2023-06-16 14:47:53', '2023-06-16 14:47:53', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-1-1.png', 0, 'attachment', 'image/png', 0), (3000, 1, '2023-06-16 14:49:04', '2023-06-16 14:49:04', '', '1686926928727', '', 'inherit', 'open', 'closed', '', '1686926928727', '', '', '2023-06-16 14:49:04', '2023-06-16 14:49:04', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1686926928727.jpg', 0, 'attachment', 'image/jpeg', 0), (3001, 1, '2023-06-16 14:49:49', '2023-06-16 14:49:49', '', '1686926974016', '', 'inherit', 'open', 'closed', '', '1686926974016', '', '', '2023-06-16 14:49:49', '2023-06-16 14:49:49', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1686926974016.jpg', 0, 'attachment', 'image/jpeg', 0), (3003, 13, '2023-06-16 14:58:52', '2023-06-16 14:58:52', '\n

    Азиатско-тихоокеанский банк (АТБ) – это одна из самых крупных банковских компаний Дальневосточного и Сибирского округов. Организация начала работу в России в 1992 г., включена в топ-50 банков по активам. Разработанная АТБ партнерская программа предусматривает 2 оффера, обеспечивает агентам хорошие возможности для заработка. 

    \n\n\n\n

    Офферы партнерки АТБ на Пампаду

    \n\n\n\n

    1-й из доступных офферов – это «Кредит наличными». Основные его условия таковы: 

    \n\n\n\n\n\n\n\n
    \"\"/
    \n\n\n\n

    2-й оффер партнерской программы АТБ – «Расчетный счет для бизнеса». Он предусматривает такие условия: 

    \n\n\n\n\n\n\n\n
    \"\"/
    \n\n\n\n

    Условия партнерской программы АТБ

    \n\n\n\n

    Работая с офферами, нужно знать, каковы их условия. Это позволит сосредоточить свои усилия непосредственно на тех, кто соответствует требованиям банка. Например, оффер «Кредит наличными» предусматривает такие требования к клиенту: 

    \n\n\n\n\n\n\n\n

    Имеет значение и ГЕО. Работая с «Кредитом наличными», можно искать клиентов в: 

    \n\n\n\n\n\n\n\n

    Используйте разрешенные типы трафика. При работе с «Кредитом наличными» допустимы такие источники трафика: 

    \n\n\n\n\n\n\n\n

    По согласованию можно применять: 

    \n\n\n\n\n\n\n\n

    Недопустимы: 

    \n\n\n\n\n\n\n\n

    Сумма кредита – от 30000 до 3 000 000 руб. Процентная ставка равна 3.9-20.9%. Точный процент определяют в индивидуальном порядке. Кредит предоставляется на 13-60 мес. Срок, в течение которого действует решение о выдаче кредитных средств – 1 мес. Обеспечение не предусматривается. 

    \n\n\n\n

    Если говорить об оффере «Расчетный счет для бизнеса», то целевая аудитория – юрлица, индивидуальные предприниматели, ТСЖ, адвокаты, нотариусы. ГЕО, правила использования трафика такие же, что и для «Кредита наличными». 

    \n\n\n\n

    Сколько можно заработать на партнерке АТБ

    \n\n\n\n

    Оба оффера АТБ предусматривают тарифную сетку. Чем больше клиентов привлек агент, тем выше вознаграждение за целевые действия. По «Кредиту наличными» действуют такие тарифы: 

    \n\n\n\n\n\n\n\n

    Тарифы по «Расчетному счету для бизнеса» следующие: 

    \n\n\n\n\n\n\n\n

    Плюсы и минусы партнерской программы АТБ

    \n\n\n\n

    Основной плюс партнерки АТБ – это прогрессивный заработок. Агент, активно привлекающий клиентов, не просто получает больше фиксированных выплат, но и увеличивает их размер в будущем. 

    \n\n\n\n

    Еще одно преимущество партнерской программы АТБ – это возможность использования разных типов трафика. При этом, даже если трафик прямо не разрешен, его можно применять по согласованию с банком. 

    \n\n\n\n

    Также к плюсам партнерки АТБ относят большой список регионов, соответствующих ГЕО программы. Банк работает в 21 российском регионе, благодаря чему агент может легко находить клиентов для организации. Кроме того, это делает партнерку подходящей для жителей самых разных регионов страны. Например, агент, проживающий в Хакасии, может привлекать клиентов из числа своих друзей, знакомых, членов семьи. 

    \n\n\n\n

    Недостаток партнерки – малый процент подтверждений. Даже в случае с «Расчетным счетом для бизнеса» он не превышает 10%. При работе с предложением «Кредит наличными» подтверждены будут, в среднем, лишь 3 заявки из 100. Такой малый процент подтвержденных заявок обусловлен, во-первых, жесткими требованиями кредитора. Во-вторых, на процент подтверждений влияют минимальная и максимальная сумма кредитования. 

    \n\n\n\n

    Еще один минус партнерской программы АТБ – не самые большие выплаты на первых этапах сотрудничества с банком. Например, за оформленный кредит наличными агент будет поначалу получать лишь 2100 руб. При этом не имеет значения, насколько крупный объем кредитных средств получил заемщик. Даже при выдаче заемщику 3 млн. руб. агент получит вознаграждение, равное всего 2100 RUB. 

    \n\n\n\n

    Как подключиться к партнерке АТБ

    \n\n\n\n

    Для заработка на банковских офферах нужно: 

    \n\n\n\n
    1. Создать аккаунт в Pampadu. Регистрация займет всего пару минут. 
    2. Авторизоваться в профиле. Если утратили авторизационные данные, восстановите их, нажав на «Забыли пароль?». 
    3. Открыть раздел «Фин. продукты». Кнопка для перехода в раздел находится в левой части личного кабинета. 
    4. Перейти в подраздел «Кредит наличными» или «РКО». Все зависит от того, с каким именно предложением вы намерены работать. 
    5. Найти нужный оффер и кликнуть по «Копировать ссылку». Упростить поиск предложения можно, использовав параметры сортировки. Не забудьте сразу выбрать АТБ, чтобы скрыть предложения от других банков. 
    \n\n\n\n
    \"\"/
    \n\n\n\n

    После копирования ссылки распространяйте ее через мессенджеры или иными способами. Web-мастер может применить скопированную ссылку, чтобы монетизировать трафик. Перейдя по ссылке, пользователь должен сам подать заявку через банковский сайт.  

    \n\n\n\n

    Если работа с партнеркой будет успешной, на счет в Pampadu поступят вознаграждения. Условия вывода зависят от того, являетесь ли вы самозанятым. Если самозанятость не оформлена, то условия будут такими: 

    \n\n\n\n\n\n\n\n

    Для самозанятых действуют следующие условия: 

    \n\n\n\n\n\n\n\n

    Самозанятость позволяет в любой момент запросить у ФНС справку о доходах. Pampadu уплачивает налоговые сборы за агентов. 

    \n\n\n\n

    О сервисе

    \n\n\n\n

    Pampadu – это сервис партнерских продаж, позволяющий всем желающим зарабатывать на привлечении новых клиентов страховым, микрофинансовым, банковским организациям. Платформа имеет такие плюсы: 

    \n\n\n\n\n\n\n\n

    Зарегистрируйтесь в Pampadu, чтобы начать зарабатывать.

    \n', 'Партнерская программа Азиатско-тихоокеанского банка', 'На платформе Pampadu доступно много вариантов для заработка. Один из них – разработанная АТБ партнерская программа, подробно описанная далее. \n', 'publish', 'open', 'open', '', 'partnerskaya-programma-aziatsko-tihookeanskogo-banka', '', '', '2023-06-16 14:58:52', '2023-06-16 14:58:52', '', 0, 'https://pampadu.ru/blog/?p=3003', 0, 'post', '', 0), (3004, 1, '2023-06-16 14:56:43', '2023-06-16 14:56:43', '', '1030х502-2', '', 'inherit', 'open', 'closed', '', '1030h502-2-29', '', '', '2023-06-16 14:56:43', '2023-06-16 14:56:43', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-2-1.png', 0, 'attachment', 'image/png', 0), (3007, 15, '2023-06-20 07:23:21', '2023-06-20 07:23:21', '\n

    Партнерские программы – это один из надежных способов заработка денег в интернете. Они позволяют зарабатывать на продаже товаров или услуг других компаний. В этой статье мы рассмотрим ФОРА-Банк – партнерская программа этого банка на сервисе Пампаду представлена сразу несколькими офферами. Вы узнаете о преимуществах и условиях участия в программе, а также о том, как зарегистрироваться на платформе и начать зарабатывать на партнерстве через этот сервис.

    \n\n\n\n

    Офферы партнерки ФОРА-Банка на Пампаду

    \n\n\n\n

    Партнерская программа банковских продуктов – это возможность заработка на продвижении банковских продуктов. Для этого нужно зарегистрироваться в программе. Офферы партнерки ФОРА-Банка включают в себя финансовые продукты и услуги. Сейчас на сервисе активен только 1 оффер – дебетовые карты. ФОРА-Банк предлагает свою дебетовую карту, которую можно продвигать через ПП. Это выгодная карта с кэшбэком до 20% у партнеров и с сезонным предложением «Активное лето», включающее 5% кэшбэка на летний отдых (путешествия по ЖД, круизы, театры, музеи) и принадлежности для отдыха (пляжная одежды, солнечные очки, спорттовары).

    \n\n\n\n

    Сервис партнерских продаж Pаmpadu постоянно развивается, новые офферы финансовых организаций, страховых компаний и кадровых агентств появляются практически каждый день. Поэтому скоро могут появиться и другие предложения, кроме дебетовых карт. 

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    Для каждого оффера партнерской программы ФОРА-Банка предусмотрено вознаграждение, которое начисляется за каждое завершенное действие. Например, за каждый оформленный кредит или открытый вклад вы можете получить деньги. Преимуществом партнерской программы на Pampadu является возможность монетизировать свой трафик на продвижении финансовых продуктов без необходимости создавать свой собственный продукт или услугу. 

    \n\n\n\n

    Условия партнерской программы ФОРА-Банка

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    Рассмотрим условия оффера дебетовой карты. Чтобы найти его на сайте, выберите в личном кабинете из меню с левой стороны пункт «Финансовые продукты», затем «Дебетовые карты». В поиске выберите из списка ФОРА-банк.

    \n\n\n\n
    \"Screenshot
    \n\n\n\n

    Оффер ФОРА-Банка предусматривает начисление агенту 1060 руб. за каждую оформленную карточку, по которой была совершена хотя бы 1 операция на сумму от 300 RUB. Вознаграждение выдается, если карта выдана в течение 2 мес. после отправки клиентом заявки. Вознаграждение поступает агенту, в среднем, за 2 мес. Процент подтверждений равен 10%. 

    \n\n\n\n

    При работе с партнеркой необходимо учитывать ГЕО. Можно привлекать клиентов из таких регионов России: 

    \n\n\n\n\n\n\n\n

    Также учитывайте типы разрешенного трафика. Разрешены: 

    \n\n\n\n\n\n\n\n

    По согласованию можно использовать: 

    \n\n\n\n\n\n\n\n

    Сколько можно заработать на партнерке ФОРА-Банка

    \n\n\n\n

    Сумма заработка на партнерке ФОРА-Банка зависит от количества посетителей вашего сайта или страницы в соцсети, качества трафика, результативности продвижения и конверсии. Размер вознаграждения за каждое завершенное действие по продвижению продуктов также может различаться. Общая схема оплаты партнерки предусматривает выплату фиксированной суммы за каждый успешный переход пользователя по вашей партнерской ссылке и за каждое завершенное действие (например, открытие дебетовой карты). Размер вознаграждения может составлять от нескольких сот до нескольких тысяч рублей. Пока на Пампаду за оформление дебетовой карты дают 1060 рублей – это на уровне конкурентов. 

    \n\n\n\n

    Заработок на партнерке может колебаться в зависимости от различных факторов, таких как сезонность, изменения в кредитной политике и т.д. В целом, заработок может быть высоким при условии грамотного продвижения и использования рекламных инструментов. Однако точную сумму заработка заранее предсказать сложно, она зависит от ваших навыков и результативности работы.

    \n\n\n\n

    Плюсы и минусы партнерской программы ФОРА-банка

    \n\n\n\n

    Плюсы:

    \n\n\n\n\n\n\n\n

    Минусы:

    \n\n\n\n\n\n\n\n

    Как подключиться к партнерке ФОРА-Банка 

    \n\n\n\n

    Условия участия в партнерской программе ФОРА-Банка: 

    \n\n\n\n\n\n\n\n
    \"регистрация
    \n\n\n\n\n\n\n\n
    \"\"
    \n\n\n\n\n\n\n\n
    \"\"
    \n\n\n\n

    Для участия в программе необходимо соблюдать правила продвижения, установленные ФОРА-Банком. Например, запрещено использование недобросовестных методов продвижения, таких как спам или обман пользователей. 

    \n\n\n\n

    О сервисе 

    \n\n\n\n

    Что еще отличает этот партнерский сервис от других:

    \n\n\n\n\n\n\n\n

    Главным преимуществом партнерской программы ФОРА-Банка на Пампаду является возможность заработка на продвижении банковских продуктов без необходимости создавать свой собственный продукт или услугу.

    \n', 'Партнерская программа ФОРА-Банка', 'Статья рассказывает о возможности заработка на партнерке банка на сервисе Pampadu. В статье рассказано, что такое партнерская программа ФОРА-банка, условия участия, а также описаны преимущества и возможности заработка. ', 'publish', 'open', 'open', '', 'partnerskaya-programma-fora-banka', '', '', '2023-06-20 07:23:21', '2023-06-20 07:23:21', '', 0, 'https://pampadu.ru/blog/?p=3007', 0, 'post', '', 0), (3008, 1, '2023-06-19 10:28:50', '2023-06-19 10:28:50', '', 'пп фора банк', '', 'inherit', 'open', 'closed', '', '1030h502-3-10', '', '', '2023-06-19 10:28:50', '2023-06-19 10:28:50', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-3-1.png', 0, 'attachment', 'image/png', 0), (3010, 13, '2023-06-19 11:52:08', '2023-06-19 11:52:08', '\n

    ?Коллеги, делимся лайфхаком по использованию трекинговой системы.

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    Этот лайфхак будет точно полезен агентам и брокерам, которые держат на контроле конверсии клиентов.

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    ⚡️ Теперь, вы можете понимать, кто из ваших клиентов оформил заявку на продукт, а кто нет.

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    Для этого вам необходимо использовать sub1 при копировании ссылки, в который вы можете написать имя, фамилию или номер телефона клиента.
    При совершении конверсии это значение будет записано и вы сможете понимать, какая конверсия какому sub1 принадлежит.

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    Для того, чтобы получить отчет по конверсиям и sub1 вам необходимо открыть срез \"По конверсия\" и выгрузить результат за выбранный период.

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    ? Данный лайфхак предлагаем использовать как временное решение, потому-что мы уже разрабатываем для вас удобный инструмент, который позволит отслеживать эффективность по клиентам!

    \n\n\n\n

    Зарабатывайте вместе с Пампаду с помощью новых инструментов!

    \n', 'Трекинговая система на Пампаду', 'Внутри вас ждет лайфхак по использованию трекинговой системы!\nПереходите и знакомьтесь.', 'publish', 'open', 'open', '', 'trekingovaya-sistema-na-pampadu', '', '', '2023-06-19 11:52:08', '2023-06-19 11:52:08', '', 0, 'https://pampadu.ru/blog/?p=3010', 0, 'post', '', 0), (3011, 1, '2023-06-19 11:50:50', '2023-06-19 11:50:50', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-76', '', '', '2023-06-19 11:50:50', '2023-06-19 11:50:50', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-5.jpg', 0, 'attachment', 'image/jpeg', 0), (3013, 13, '2023-06-19 13:50:43', '2023-06-19 13:50:43', '\n

    ? Собрали для вас самые важные обновления и улучшения за последнее время!
    Доработки ипотеки, раздела вебмастер, новая реферальная программ и многое другое.

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    ? Поезд Пампаду продолжает мчаться вперед и вы точно могли что-то упустить.

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    Собрали для вас короткую выжимку.

    1.Запустили самую выгодную реферальную программу 2.0, в которой вы зарабатываете со ВСЕХ продуктов, оформленных приглашенными вами пользователями: все банковские продукты, ипотека, осаго и др.
    Подробнее

    2. Запустили трекинговую систему по банковским и hr продуктам: добавляйте свои параметры к ссылкам, смотрите расширенную статистику по кликам и конверсиям.
    Подробнее

    3. Акция «Теплое лето» продолжается - успейте заработать больше за продажи ОСАГО и Ипотеки и выиграть один из трех смартфонов. Платим больше за каждый полис.
    Подробнее

    4. Ипотечное страхование стало еще удобнее. Кроме того, что добавили 8 новых банков в СК Абсолют, включая Альфа банк, так и сделали ряд доработок и исправлений.
    Подробнее

    5. Доработки по ОСАГО. Множество скучных и нудных технических правок, которые увеличили одобрение до 77% по все РФ и до 90% в отдельных регионах.
    Просто пробуйте ?

    6. Улучшили мобильное приложение по вашим рекомендациями - теперь еще удобнее.
    Подробнее

    ? Оформляйте, продавайте, участвуйте в акциях и зарабатывайте точно больше вместе с нами.

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    С любовью к своему делу,
    Команда Пампаду.

    \n', 'Важные обновления на Пампаду', 'Поезд Пампаду продолжает мчаться вперед и вы точно могли что-то упустить. \nСобрали для вас короткую выжимку.', 'publish', 'open', 'open', '', 'vazhnye-obnovleniya-na-pampadu', '', '', '2023-06-19 13:50:43', '2023-06-19 13:50:43', '', 0, 'https://pampadu.ru/blog/?p=3013', 0, 'post', '', 0), (3014, 1, '2023-06-19 13:49:54', '2023-06-19 13:49:54', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-77', '', '', '2023-06-19 13:49:54', '2023-06-19 13:49:54', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-16.png', 0, 'attachment', 'image/png', 0), (3019, 1, '2023-06-20 07:17:26', '2023-06-20 07:17:26', '', '1687245400962', '', 'inherit', 'open', 'closed', '', '1687245400962', '', '', '2023-06-20 07:17:26', '2023-06-20 07:17:26', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1687245400962.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3022, 13, '2023-06-20 07:41:19', '2023-06-20 07:41:19', '\n

    Pampadu – лучшая платформа для тех, кто хочет зарабатывать на партнерках страховщиков, банков. Сервис предусматривает большое количество предложений, связанных с дебетовыми картами, страховыми полисами, иными продуктами. Тот, кто знает, как заработать на сайте, может эффективно использовать Пампаду для заработка на партнерках. 

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    Как сайт поможет бизнесу

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    Сайт – это инструмент для бизнеса, который может помочь расширить аудиторию, увеличить продажи и повысить узнаваемость компании. Рассмотрим подробнее, как сайт помогает бизнесу.  

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    Как зарабатывают деньги на сайте предприниматели? Часто предприниматели выбирают между созданием собственного сайта и размещением страницы бренда на чужой площадке – например, в соцсети. У обоих вариантов есть плюсы и минусы. На сайте размещается какая угодно информация о товаре, включая фото, видеоматериалы, отзывы и т.д. Вы не ограничены внутренними правилами. На чужих ресурсах встречаются ограничения. Например, нельзя рекламировать или даже рассказывать о товаре (услуге) из запрещенной на площадке категории (товары для взрослых, азартные игры, микрозаймы). Или на площадке есть ограничения по контенту – например, нельзя выкладывать длинные видео. 

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    На своем сайте вы не ограничены ничем. У хостинга тоже есть правила, за нарушение которых домен со всем содержимым могут удалить, но это касается откровенного криминала: торговля оружием, запрещенными веществами и компонентами для изготовления взрывных устройств. Но, размещая свою страницу в соцсети, возможно привлечь к своему товару внимание большего количества людей за меньший срок. 

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    А реально ли заработать на сайте, не имея своей компании, бизнеса или товара? Да, для этого есть способы. Рассказываем, как зарабатывать на сайтах с нуля с примерами. 

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    Способы заработка на собственном сайте с нуля и с опытом

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    Много существует примеров, как зарабатывать на сайтах, но мы рассмотрим некоторые из них. 

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    Из всех примеров, показывающих, как зарабатывать на сайтах в интернете важно выбрать тот, который подходит для вас и вашего бизнеса.

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    Партнерские программы

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    Партнерская программа – это соглашение между партнером и компанией, которое позволяет зарабатывать деньги на продаже товаров или услуг компании. Рассмотрим подробнее, как работают партнерские программы и как их можно использовать для заработка. 

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    \"\"
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    Партнерские программы – это пример, как заработать бесплатно на сайтах. Они позволяют получать доход, не продавая товары или услуги, а также не требуют больших вложений.

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    Продажа товаров

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    Продажа товаров – это один из способов заработка денег в интернете. Рассмотрим подробнее, какие виды товаров продаются онлайн и как этот способ может быть реализован:

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    Примеры товаров, которые можно продавать онлайн: 

    \n\n\n\n\n\n\n\n

    Продажа товаров в интернете требует вложений, но может принести доход, если правильно подойти к организации бизнеса.

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    Сайт с платным доступом

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    Сайт с платным доступом предоставляет доступ к контенту или услугам только за плату. Как его создать, по этапам:

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    Примеры сайтов с платным доступом: 

    \n\n\n\n\n\n\n\n

    Размер заработка и его скорость зависят от ценности контента, который у вас есть.

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    Продажа рекламы

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    Продажа рекламы– это один из способов заработка денег в интернете. Рассмотрим подробнее, какие виды рекламы можно продавать на своем сайте и как этот способ заработка может быть реализован. 

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    Примеры рекламных материалов, которые можно продавать на своем сайте:

    \n\n\n\n\n\n\n\n

    Для продажи рекламы необходимо иметь уже раскрученный сайт. Рекламодатель запросит параметры вашего ресурса, прежде чем согласиться на ваше предложение. Важно самостоятельно разбираться в этих параметрах. 

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    Продажа своих услуг

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    Продажа своих услуг в интернете технически реализуется аналогично продаже товара. Примеры услуг, которые можно продавать онлайн:

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    Поставщики этих услуг – это самозанятые граждане. Наличие собственного сайта укрепляет авторитет самозанятого исполнителя. Еще, в отличие от работы на биржах услуг, исполнитель через свою страницу работает с заказчиком напрямую и не платит никому комиссии. 

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    Плюс иметь собственный сайт для человека, оказывающего услуги – свобода в разработке самопрезентации. На бирже для размещения портфолио есть ограничение, здесь же можно показать себя со всех сторон. Необязательно создавать крутой сайт за деньги – достаточно небольшого, на дешевом домене. 

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    Минус (в сравнении с биржей) заключается в том, что продвижением придется заниматься самостоятельно, а на бирже на ваш профиль заказчики будут выходить сами. Выход – работать на бирже услуг, постепенно переманивая заказчиков в работу напрямую. Собственный сайт всегда повышает авторитет исполнителя, а никто не любит платить лишние комиссии биржам и прочим посредникам. 

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    Создание интернет-каталога

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    Один из примеров, как новичку заработать на своем сайте – создание интернет-каталога. Это похоже на интернет-магазин, только товары там не ваши, а партнерские. Вы будете получать деньги в виде комиссии за товарную партнерку, а покупать ваша аудитория будет у компании. Компания же будет заниматься вопросами оплаты, доставки и прочего. 

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    Изначально интернет-каталог – это перечисление товаров определенной тематики. Примеры интернет-каталогов: 

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    Но более продуманная версия интернет-каталога – рейтинги товаров. Частые поисковые запросы пользователей – «рейтинг такого-то товара». Поэтому публикация списка партнерских товаров в виде рейтинга гораздо привлекательнее. 

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    Создание сайтов на продажу

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    Не все предприниматели умеют делать страницы в интернете сами или имеют штат работников для этого. Сайты, лендинги – все это требуется онлайн-бизнесу каждый день. Рассмотрим подробнее, как заработать деньги на созданном сайте. 

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    Примеры сайтов, которые можно создавать на продажу: 

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    С чего начать? С освоения инструментов, с изучения чужих креативов. Некоторые рекомендуют сразу начинать с продвижения. 

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    Доход от продажи интернет-страниц вырастет, если продавать не недавно созданные сайты, а уже раскрученные, доходные. Для этого нужно владеть методами продвижения. 

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    Монетизация с помощью сервиса с Pampadu

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    Pampadu – это партнерский сервис, который помогает владельцам сайтов зарабатывать деньги на своем трафике. С помощью большого выбора партнерских программ банков, МФО, страховых компаний сервисов по подбору персонала, вы монетизируете свой сайт, размещая на нем контент и рекламу. 

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    \"\"
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    Большинство офферов на платформе допускают продвижение через собственный сайт. Например, офферы на Пампаду предлагают такие способы монетизации: 

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    Чтобы начать зарабатывать на платформе, создайте аккаунт на pampadu.ru и получите доступ к инструментам монетизации. Далее вы выбираете способ монетизации и размещаете контент на сайте. Сервис предоставляет подробную аналитику и отчетность о трафике и заработке, что позволяет контролировать процесс монетизации и оптимизировать его. 

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    \"\"
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    Преимущество партнерского сервиса: легко монетизировать трафик на сайте без необходимости продавать собственные продукты или услуги. Еще комиссионные выплаты на сервисе выше, чем у конкурентов. Кроме того, Pampadu предлагает много партнерских предложений (офферов) и обучающих материалов.

    \n', 'Как заработать на своем сайте', 'Статья рассказывает о способах монетизации сайтов. В ней рассказывается, как заработать на сайте, созданном вами. Статья будет полезна владельцам сайтов и арбитражникам, которые хотят зарабатывать на трафике.', 'publish', 'open', 'open', '', 'kak-zarabotat-na-svoem-sajte', '', '', '2023-06-20 07:41:19', '2023-06-20 07:41:19', '', 0, 'https://pampadu.ru/blog/?p=3022', 0, 'post', '', 0), (3023, 1, '2023-06-20 07:35:53', '2023-06-20 07:35:53', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-78', '', '', '2023-06-20 07:35:53', '2023-06-20 07:35:53', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-17.png', 0, 'attachment', 'image/png', 0), (3025, 13, '2023-06-20 13:19:38', '2023-06-20 13:19:38', '\n

    Советовать Пампаду и раньше было выгодно, а теперь мы платим по продажам вашего реферала не только за ОСАГО, но и за ипотеку, а также банковский продукты и найм персонала.

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    Давайте рассмотрим на примерах наших агентов:
    Один пользователь пригласил 38 рефералов, они оформили 1734 полиса ОСАГО, за которые он получил 86 700 руб.

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    Помимо ОСАГО, они также оформили:
    ? 75 полисов ипотеки - реферальный бонус бы составил 8 400 руб.
    ? и 148 банковских и HR продуктов - реферальный бонус бы составил 34 770 руб.

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    Если вы сейчас пригласите пользователей на платформу, получите бонус с их продаж по трем направлениям.
    Практически каждый пользователь оформляет помимо страхования еще и банковские продукты!

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    Подробнее о программе можно прочитать в ➡️ БЛОГЕ.

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    Увеличивайте свой заработок вместе с Пампаду!

    \n', 'Почему на Пампаду самая выгодная реферальная программа?', 'Советовать Пампаду и раньше было выгодно, а теперь мы платим по продажам вашего реферала не только за ОСАГО, но и за ипотеку, а также банковский продукты и найм персонала.', 'publish', 'open', 'open', '', 'pochemu-na-pampadu-samaya-vygodnaya-referalnaya-programma', '', '', '2023-06-20 13:19:38', '2023-06-20 13:19:38', '', 0, 'https://pampadu.ru/blog/?p=3025', 0, 'post', '', 0), (3026, 1, '2023-06-20 13:19:29', '2023-06-20 13:19:29', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-79', '', '', '2023-06-20 13:19:29', '2023-06-20 13:19:29', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-18.png', 0, 'attachment', 'image/png', 0), (3028, 15, '2023-06-20 14:15:23', '2023-06-20 14:15:23', '\n

    Сервис партнерских продаж Pampadu сотрудничает с любыми специалистами рынка недвижимости – риелторами, агентами по продажам и брокерами. Независимо от имеющегося у вас опыта, навыков и клиентской базы, участвовать в нашей партнерской программе сможет каждый!

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    Сегодня мы расскажем, где учиться риелтору и какими знаниями ему стоит овладеть.

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    Какое образование должно быть у риелтора?

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    В России пока ни один ВУЗ не выпускает специалистов по риелторскому бизнесу. Получить диплом агента по недвижимости нельзя ни в одном государственном учебном заведении. Поэтому курсы переподготовки и частные онлайн-школы становятся единственным выбором для желающих обучиться профессии риелтора.

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    Где можно пройти обучение?

    \n\n\n\n

    Пройти профессиональную переподготовку по программе «Риэлтор» можно во многих образовательных организациях. К примеру, такие услуги оказывают: 

    \n\n\n\n\n\n\n\n

    Российская Гильдия Риэлторов разработала собственную систему сертификации агентов по недвижимости. Вы можете пройти базовый курс обучения в учебных заведениях, получивших аккредитацию в ее рамках.

    \n\n\n\n

    Полезные ресурсы

    \n\n\n\n

    Академия Домклик – это онлайн-платформа, на которой риелтор найдет для себя много полезных материалов. Тут собраны практики от специалистов в области финансов и налогов, юристов, маркетологов, специалистов по продажам, экспертов по ипотеке.

    \n\n\n\n

    В Академии Домклик можно посмотреть выпуски эфиров «Час юриста», посвященные теме налогов в области имущества, особенностям разных форм ведения бизнеса, а также секретам успеха в продажах жилья.

    \n\n\n\n
    \"академия
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    На платформе есть платные и бесплатные онлайн-курсы – в зависимости от специфики учебных материалов. Занятия в Академии Домклик доступны для всех зарегистрированных пользователей Домклик PRO. Рекомендуем к прохождению бесплатный курс, где освещаются популярные темы: офферы Домклик, возможности по снижению процентной ставки по ипотеке, секреты эффективной работы с клиентами и разбор типовых ошибок риелторов

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    Похожие образовательные программы есть и на других ресурсах. Например, сервис объявлений об аренде и продаже собственности «Яндекс.Недвижимость» имеет свой собственный медиа «Я так живу», в котором есть специальный обучающий раздел – «Учебник». Он содержит подробные инструкции по поиску жильцов, безопасной сдаче имущества в аренду и многим другим вопросам.

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    Материалы по теме

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    Агент по недвижимости должен постоянно следить за тенденциями рынка. В этом ему помогут специализированные ресурсы.

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    «РБК-Недвижимость» – это информационная площадка, созданная для всех участников рынка недвижимости: покупателей, застройщиков, риэлторов. Тут можно ознакомиться с тематической информационной лентой о событиях в РФ и за границей, аналитическими статьями и мнением экспертов, рейтингами и исследованиями рынка. Проект «РБК-Недвижимость» поможет своим посетителям быть в курсе последних тенденций на рынке недвижимости и событий в этой сфере. 

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    \"\"
    \n\n\n\n

    Сервис для поиска недвижимости «Циан» регулярно размещает полезные аналитические данные для ритейлеров, застройщиков, банков и риелторов. Ресурс запустил свой собственный онлайн-журнал о недвижимости, который включает множество рубрик: новости, вопросы риелтору, блоги, дизайн и ремонт, календарь событий и другие.

    \n\n\n\n

    Онлайн-курсы для риэлтора

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    В интернете можно найти множество курсов для подготовки риелторов. Приведем несколько примеров:

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    Проходить любые из перечисленных курсов начинающему риелтору необязательно. Многие агентства недвижимости набирают сотрудников, не предъявляя конкретных требований к образованию. Некоторые компании готовы обучать своих будущих агентов самостоятельно. Их образовательная программа обычно включает тренинги и практические занятия по ведению переговоров, технологиям продаж, юридическим аспектам.

    \n\n\n\n

    Можно ли работать риелтором без профильного образования?

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    Требования к квалификации риелтора предусмотрены Приказом Минздравсоцразвития России от 10.12.2009 года № 977 (в редакции от 12.02.2014 года). К ним относится наличие высшего профессионального образования – юридического, инженерно-экономического или экономического.

    \n\n\n\n

    Однако это приказ имеет узкую направленность, поэтому носит скорее рекомендательный характер. Формально в высшем образовании для работы риелтором нет никакой необходимости. Если агентом по недвижимости может быть и маркетолог, и финансист, то почему нельзя работать, не имея никакого диплома? 

    \n\n\n\n

    Но многие агентства недвижимости требуют от соискателей наличие высшего образования. Считается, что человек окончивший ВУЗ, должен владеть культурой речи и грамотным письмом, умением работать с большими массивами информации, способностями к самоконтролю и обучению.

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    Как еще можно развиваться риелтору?

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    Опытные риелторы часто сотрудничают со страховыми компаниями. Это удобно, поскольку позволяет им больше зарабатывать на том же количестве сделок. Речь идет о дополнительной продаже страховых полисов своим клиентам – покупателям квартир и домов, которые оформляют ипотеку. Главное здесь – донести клиенту, почему ему выгодно оформить полис через риелтора. 

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    \"\"
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    Партнерская программа Пампаду предоставляет вам возможность выбрать лучшее предложение по страхованию ипотеки для вашего клиента. Регистрируйтесь на нашем сайте и получайте гарантированные выплаты за каждый оформленный полис!

    \n', 'Где учиться на агента по недвижимости', 'Нужно ли учиться на риелтора или профильное образование не требуется? Программа переподготовки, онлайн-курсы, федеральный проект и образовательные онлайн-платформы – расскажем, где можно учиться риелтору.', 'publish', 'open', 'open', '', 'gde-uchitsya-na-agenta-po-nedvizhimosti', '', '', '2023-06-20 14:15:23', '2023-06-20 14:15:23', '', 0, 'https://pampadu.ru/blog/?p=3028', 0, 'post', '', 0), (3029, 1, '2023-06-20 14:06:03', '2023-06-20 14:06:03', '', 'где учиться на риэлтора', '', 'inherit', 'open', 'closed', '', '1030h502-7-2-2', '', '', '2023-06-20 14:06:03', '2023-06-20 14:06:03', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-7-2.jpg', 0, 'attachment', 'image/jpeg', 0), (3030, 1, '2023-06-20 14:12:04', '2023-06-20 14:12:04', '', 'академия домклик', '', 'inherit', 'open', 'closed', '', '1687270309588', '', '', '2023-06-20 14:12:04', '2023-06-20 14:12:04', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1687270309588.jpg', 0, 'attachment', 'image/jpeg', 0), (3031, 1, '2023-06-20 14:13:20', '2023-06-20 14:13:20', '', '1687270385388', '', 'inherit', 'open', 'closed', '', '1687270385388', '', '', '2023-06-20 14:13:20', '2023-06-20 14:13:20', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1687270385388.jpg', 0, 'attachment', 'image/jpeg', 0), (3033, 15, '2023-06-20 16:21:23', '2023-06-20 16:21:23', '\n

    Рассказываем, как проверить застройщика перед покупкой квартиры в новостройке. Вы узнаете, откуда взять информацию о строящемся объекте, и какие признаки могут говорить о финансовых трудностях у девелопера.

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    Как проверить надежность застройщика 

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    Сервис партнерских продаж Pampadu сотрудничает с агентствами недвижимости, риелторами и брокерами. Мы постоянно совершенствуем свои офферы, чтобы сотрудничество было удобным для всех партнеров.

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    С покупкой квартиры на этапе закладки котлована или строительства связан не только шанс сэкономить или приумножить деньги, но и опасность потерять время и лишиться нескольких миллионов. Обсудив этот вопрос с экспертами, мы выяснили, как проверить застройщика, чтобы уменьшить риски, связанные с долгостроями. Делимся советами о том, как понять, что строительная компания заслуживает доверия.

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    Как определить, что у застройщика есть проблемы: тревожные сигналы

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    Перед приобретением апартаментов в строящемся доме нужно убедиться, что у застройщика нет финансовых проблем. Эксперты рекомендуют потенциальному покупателю обратить внимание на несколько характерных признаков, которые указывают на нестабильность дел у застройщика.

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    Медленный темп строительства и нарушение сроков

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    Скорость строительства и своевременность сдачи объектов – первое, что нужно учитывать покупателю. Бывают ситуации, когда задержка сдачи объекта вызвана не виной девелопера. Например, могут внезапно возникнуть сложности с подключением к коммунальным сетям или быть сорвана поставка подрядчиком стройматериалов. Часто сдача дома в эксплуатацию сдвигается на два месяца и более. В этом случае строительная компания должна заранее известить дольщиков об изменении срока и предложить им подписать соглашение. Покупателям может быть предложена материальная компенсация за нарушение сроков.

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    Если же застройщик постоянно сдает дома с задержкой, нужно задуматься, стоит ли иметь с ним дело. Вас также должна насторожить вялотекущая работа на стройплощадке. Отсутствие рабочих, тяжелой техники или строительных материалов говорит о том, что с созданием объекта возникли некие проблемы. Надежная компания стремится контролировать активность на стройплощадке с помощью вебкамер и регулярно предоставляет отчеты о ходе ведения работ.

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    Документы и наличие банковской аккредитации

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    Изучите уставные документы, разрешение на строительство, страховой договор, проект типового договора долевого строительства – эти документы должны быть открыты для общего ознакомления.

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    Проверьте наличие у компании аккредитации в банках. Если ее нет, то это может свидетельствовать о проблемах в организации. Прежде, чем аккредитовать застройщика, кредитная организация тщательно его проверит. Если не будет уверенности в финансовой состоятельности строительной компании, аккредитацию она не пройдет. Если же застройщик имеет аккредитацию в ведущих российских банках, то это уменьшает риск проблем в будущем.

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    Форма договора

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    Объект может стать проблемным уже на этапе составления договора. Внимательно изучите его проект. Например, застройщик может попытаться продать квартиру по договору соинвестирования или преддоговору купли-продажи.

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    Договор, составленный в любой форме, отличающейся от договора долевого участия, должен вызвать у вас вопросы при заключении сделки. Невозможность оформить ДДУ служит признаком того, что проект не отвечает требованиям закона или свидетельствует о нарушениях в разрешительных документах застройщика. Только ДДУ станет гарантией соответствия рабочей документации всем нормам.

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    Сайт застройщика

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    Изучите сайт застройщика и убедитесь, что он содержит актуальную информацию о проектах, имеются фото со стройплощадки и предоставляются отчеты о строительстве объекта. Если компания формально отчитывается о ходе строительных работ на протяжении некоторого срока – задумайтесь о том, что на самом деле происходит на площадке. Информация на сайте может служить косвенным признаком наличия у застройщика затруднений.

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    Сниженные цены или значительные скидки

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    Стараясь максимально сэкономить, покупатель может связаться с экономически неустойчивой компанией. Желание привлечь большое число покупателей может стать причиной демпинга цен. Слишком низкие цены должны насторожить потенциального клиента. Сравните стоимость похожих объектов в новостройках, сопоставимых по площади и стадии строительства. Так вы убедитесь, что выбранный застройщик не пытается исправить свое финансовое положение методом снижения цен.

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    Высокие скидки на недвижимость тоже могут служить причиной задуматься о финансовой стабильности строительной компании. Сезонные скидки, анонсируемые девелоперами, составляют не больше 5–10 %. Зачастую они относятся только к определенному пулу квартир или действительны при условии полной предоплаты. Высокие дисконты, более 15 %, должны заставить вас насторожиться.

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    Откуда взять сведения о застройщике

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    Чтобы убедиться в отсутствии проблем у застройщика, используйте специальные ресурсы:

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    Рекомендуем также проверить наличие судебных исков в отношении застройщика на сайте арбитражных судов РФ и запросить на портале ФНС выписку из ЕГРЮЛ. 

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    Советы экспертов по выбору застройщика 

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    Перед покупкой квартиры эксперты рекомендуют:

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    Лучшим решением будет выбрать застройщика, работающего через эскроу-счета. Это гарантированная страховка для дольщика: застройщик получит деньги только после ввода объекта в эксплуатацию. При несоблюдении сроков банк возвратит деньги на счет дольщика. 

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    Рейтинг надежности застройщика

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    Издание Forbes Russia ежегодно составляет рейтинг застройщиков в разных сегментах жилья. Он был сформирован при помощи эксперты Cian.Аналитика и bnMap.pro. В январе 2023 года Forbes представил лидеров рейтинга застройщиков по итогам 2022 года.

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    В сегменте массового жилья

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    1-е место – ГК «ФСК». В структуру ФСК входят производитель панельных домов «Домостроительный комбинат №1», стекольные заводы LARTA GLASS (ранее — «Гардиан.Стекло») и 70 % бизнеса телекоммуникационной и IT-группы «Филанко».

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    2-е место – инвестиционная группа «Абсолют». В 2022 году ИГ «Абсолют» вывела на рынок первый высокобюджетный проект МФК Luzhniki Collection общей площадью 324 000 кв. м.

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    3-е место – ГК «ПИК». К собственности компании принадлежит 2 завода железобетонных изделий. ГК «ПИК» разработала серии панельных многоэтажных жилых зданий для строительства домов в Москве и Московской Области – ПИК-1 и ПИК-2.

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    В сегменте жилья бизнес-класса

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    1-е место – компания «Инград». ГК «Инград» достраивала ряд замороженных строительных проектов в Московской области. Компания возводит не только жилые дома, но и объекты социальной инфраструктуры. В 2021 году она подписала контракт по застройке промышленной зоны на севере Москвы: планируется построить 550 тыс. кв. м жилой недвижимости, торговых и социальных объектов.

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    2-е место – компания «Донстрой». Знаковым проектом компании стал ЖК «Остров», в рамках которого на западе Москвы строится более 1 млн. кв. м. недвижимости.

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    3-е место – MR Group. Застройщик, работающий в Москве, Подмосковье и Сочи, реализует объекты жилой и коммерческой недвижимости. К портфелю проектов MR Group принадлежит бизнес-центр «Трио» в центре Москвы. Сейчас компания занимается застройкой пустыря на месте бывшего часового завода «Слава» у Белорусского вокзала.

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    В сегменте жилья премиум-класса

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    1-е место – АО «Интеко». Компания занимается проектами комплексного освоения территорий. В ее портфеле – реализованные проекты ЖК бизнес-класса West Garden и ЖК комфорт-класса «Вестердам». В декабре 2022 года компанию прибрел девелопмент недвижимости Sminex.

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    2-е место – Capital Group. Capital Group занимается сооружением «парящего» горизонтального небоскреба на месте Бадаевского пивзавода в Москве по проекту архитектурного бюро Herzog & De Meuron.

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    3-е место – компания Vesper. В 2022 году компания приобрела новую площадку в Донском районе Москвы, в которую планирует инвестировать 45 млрд. рублей.

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    Какие возможности открывает ипотека для риелтора?

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    Покупая квартиру в новостройке, клиенты риелтора нередко прибегают к ипотечному кредитованию. Ипотечное имущество подлежит обязательному страхованию. Для риелтора это отличная возможность заработать на дополнительной продаже страховых полисов.

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    Платформа партнерских продаж Пампаду дает вам возможность выбрать предложение среди офферов от более 30 страховых компаний и банков. Зарегистрировавшись на нашем сайте, вы сможете получать комиссионные выплаты с каждого проданного полиса – в размере до 60 % его стоимости.

    \n', 'Как проверить надёжность застройщика', 'Рассказываем, как проверить застройщика перед покупкой квартиры в новостройке. Вы узнаете, откуда взять информацию о строящемся объекте, и какие признаки могут говорить о финансовых трудностях у девелопера.', 'publish', 'open', 'open', '', 'kak-proverit-nadyozhnost-zastrojshhika', '', '', '2023-06-20 16:21:23', '2023-06-20 16:21:23', '', 0, 'https://pampadu.ru/blog/?p=3033', 0, 'post', '', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3034, 1, '2023-06-20 14:19:28', '2023-06-20 14:19:28', '', 'проверить застройщика', '', 'inherit', 'open', 'closed', '', '1030h502-8-2-2', '', '', '2023-06-20 14:19:28', '2023-06-20 14:19:28', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-8-2.jpg', 0, 'attachment', 'image/jpeg', 0), (3036, 15, '2023-06-20 16:45:23', '2023-06-20 16:45:23', '\n

    Рынок недвижимости постоянно меняется, поэтому, чтобы преуспеть, нужно идти в ногу со временем. Только постоянно улучшая свои навыки и знания, риелтор может рассчитывать на успех. Этот принцип актуален как для новичков в этой сфере, так и для опытных брокеров и инвесторов.

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    Сервис партнерских продаж Пампаду регулярно сотрудничает со специалистами рынка недвижимости. Мы постоянно совершенствуем свои офферы и стремимся к развитию, увеличивая сеть партнеров. И хотим, чтобы вы также могли повысить свой уровень подготовки. Мы выяснили, какие книги будут полезны для риелторов и агентов по недвижимости, составив свою подборку топ-10.

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    1. Зеллер Дирк «Как стать успешным агентом по недвижимости для чайников»

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    Книги этой серии изначально должны были помогать начинающим пользователям осваивать мир компьютеров. Но серия настолько полюбилась читателям, что издательство начало печатать учебные пособия и на другие темы, не связанные с программированием. Книги «… for Dummies» переведены на множество языков и популярны во всем мире.

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    Эту книгу можно считать прямым руководством к действию и неплохим пособием для начинающих риелторов. Как и другие книги этой серии, она написана доступным языком, не содержит сложной терминологии и подает информацию с долей юмора. Благодаря наличию блоков «на заметку», «итоги» и специальных пиктограмм, в материале книги легко ориентироваться.

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    2. Шабалин Вадим, Хромов Андрей «Сделки с недвижимостью. Учебник риэлтора. Часть 1»

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    Если предыдущее пособие написано зарубежным автором и больше подходит под реалии западного рынка, то этот учебник как нельзя лучше адаптирован под российский бизнес. Его авторами стали ведущие специалисты рынка недвижимости и строительства в Московской области. Они проанализировали свой опыт заключения сделок и составили психологический портрет успешного риелтора. 

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    В учебном пособии рассмотрены многие прикладные вопросы: оценка имущества, проведение расчетов, реклама услуг, экспертиза документов, защита от мошенничества и многие другие. Большое внимание уделено проведению переговоров с клиентами, психологии работы с ними. Также вы узнаете о технологиях оказания услуг клиентам, тонкостях налогообложения сделок, взаимодействии с другими риелторами, государственными, правоохранительными органами. 

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    3. Шабалин Вадим, Манченко Константин «Сделки с недвижимостью. Учебник риэлтора. Часть 2»

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    Если в первой части учебного пособия были раскрыты вопросы подготовки и заключения сделки, то во второй его части – подробно рассматриваются конкретные операции с недвижимостью. 

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    Отдельные главы книги посвящены аренде городского жилья, схемам чистой купли-продажи, приобретению квартир в новостройках, покупке загородной недвижимости, схемам обмена квартир. Подробно показаны примеры сделок с комнатами, другим имуществом, находящимся в долевой собственности, покупки недвижимости за границей, сделок с незастроенной землей, а также с применением ипотечного кредитования.

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    4. Константин Манченко «Азбука недвижимости»

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    Автором книги стал генеральный директор агентства недвижимости «Теремок». В разные годы он преподавал в Московской государственной юридической академии, занимал должности в президентском совете Российской Гильдии Риелторов, Гильдии риелторов Московской области, Гильдии риелторов Пушкинского района.

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    Практическое пособие раскрывает 760 терминов, относящихся к рынку недвижимости. В нем собрано 450 вопросов, которые могут возникнуть в работе риелтора, приведены исчерпывающие ответы на них. Описанные ситуации взяты из риелторской практики и обращений посетителей за консультациями. Полезные советы и поучительные истории стоит прочесть риелторам любого уровня.

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    5. Владимир Огородников «Искусство предпродажной подготовки Вашего дома» 

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    В этой книге автор обобщил и адаптировал западный опыт к реалиям российского рынка недвижимости. Искусство предпродажной подготовки дома или квартиры показано с позиции профессионального архитектора, дизайнера, эколога. 

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    Вы узнаете, что даже «убитые» квартиры можно подать как жемчужину, как быстро продать дом по высокой цене. В книге описаны примеры авторских продаж жилой недвижимости с использованием разнообразных техник.

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    6. Ильдар Хусаинов «Этажи. Сила управления»

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    В своей книге Ильдар Хусаинов, основатель риелторской компании «Этажи», рассказывает, как российской региональной компании удалось выйти на международный рынок.

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    Начав свою деятельность в 2000 году в Тюмени, на сегодняшний компания «Этажи» стала одним из лидеров рынка недвижимости России. Автор делится собственным уникальным опытом, рассказывает о постепенном развитии компании, зарождении бренда, освоении новых направлений работы.

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    7. Роберт Кийосаки «Инвестиции в недвижимость»

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    В нашу подборку вошла книга от автора бестселлера «Богатый папа, бедный папа», посвященная сделкам с недвижимостью. Роберт Кийосаки делится в ней сведениями, которые он получил при общении с успешными инвесторами в недвижимость. 

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    Прочитав издание, вы узнаете, с какими неудачами и трудностями может столкнуться профессиональный инвестор, как сохранить контроль над бизнесом и доходами даже в моменты кризиса.

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    8. Дональд Трамп «Искусство заключать сделки»

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    В отличие от многих авторов подобных книг, Дональд Трамп смог заработать миллионы, работая именно в сфере недвижимости. Многие рекомендации и советы из книги будут актуальны и сейчас. В этом издании бывший президент США описал, как ему удалось построить империю и добиться успеха на рынке недвижимости.

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    9. Наталья Куницкая, Ана Мавричева «Нам наверх. Инструменты построения личного бренда риэлтора»

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    Эта книга представляет собой дорожную карту для продвижения себя в качестве риелтора. Она поможет выявить ваши сильные стороны, подчеркнуть отличия от конкурентов, уберечься от возможных ошибок.

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    Издание может быть интересно не только риелторам и руководителям агентств недвижимости, но также людям, которые не имеют прямого отношения к этой профессии. Но особенно полезна она будет для тех, кто еще только думает о выборе профессии риелтора.

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    Вы найдете здесь конкретные примеры и множество историй из личной практики авторов. Прочитав книгу, тот, кто раздумывает, стоит ли заняться риелторской деятельностью, сможет понять, подходит ли ему эта профессия.

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    10. Гари Келлер «Как стать миллионером, продавая недвижимость»

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    Эта книга-бестселлер разошлась по миру миллионным тиражом. В ней представлены результаты десятилетнего опыта практической, исследовательской и консалтинговой деятельности Гари Келлера. Он подробно делится секретами перспективного бизнеса с читателями, откровенно раскрывает тонкости профессии. 

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    Приводятся примеры из практики самых успешных и финансово состоявшихся риелторов США. Описаны методы торговли недвижимостью – как проверенные, так и инновационные. Издание предназначено для всех специалистов, работа которых связана с рынком недвижимости. 

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    В статье мы привели только краткий перечень книг, интересных для риелторов. Изучайте материал и вдохновляйтесь историями талантливых инвесторов!

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    Как получать от риелторства больший доход?

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    Начните сотрудничать с сервисом партнерских продаж Пампаду и получайте комиссионное вознаграждение за выполнение целевых задач. Совмещая риелторскую деятельность с участием в нашей партнерской программе, можно увеличить свой общий доход в несколько раз.

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    \"\"
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    Регистрация на платформе Pampadu займет у вас не более 5 минут. После нее вам сразу станут доступны все актуальные предложения партнерских программ. Зарабатывать с нами смогут даже новички, не имеющие опыта в продажах!

    \n', 'Лучшие книги для риэлторов и агентств недвижимости', 'Расскажем вам о том, какие книги для риелторов стоит прочитать. Составили топ-10 книг для агентов по недвижимости любого уровня – от новичка до инвестора.', 'publish', 'open', 'open', '', 'luchshie-knigi-dlya-rieltorov-i-agentstv-nedvizhimosti', '', '', '2023-06-20 16:45:23', '2023-06-20 16:45:23', '', 0, 'https://pampadu.ru/blog/?p=3036', 0, 'post', '', 0), (3037, 1, '2023-06-20 16:25:10', '2023-06-20 16:25:10', '', 'книги для риэлтора', '', 'inherit', 'open', 'closed', '', '1030h502-9-2-2', '', '', '2023-06-20 16:25:10', '2023-06-20 16:25:10', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-9-2.jpg', 0, 'attachment', 'image/jpeg', 0), (3038, 1, '2023-06-20 16:28:17', '2023-06-20 16:28:17', '', '1027677962', '', 'inherit', 'open', 'closed', '', '1027677962', '', '', '2023-06-20 16:28:17', '2023-06-20 16:28:17', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1027677962.jpeg', 0, 'attachment', 'image/jpeg', 0), (3044, 1, '2023-06-20 16:32:27', '2023-06-20 16:32:27', '', '6470461768', '', 'inherit', 'open', 'closed', '', '6470461768', '', '', '2023-06-20 16:32:27', '2023-06-20 16:32:27', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/6470461768.jpeg', 0, 'attachment', 'image/jpeg', 0), (3046, 1, '2023-06-20 16:33:44', '2023-06-20 16:33:44', '', '6064976617', '', 'inherit', 'open', 'closed', '', '6064976617', '', '', '2023-06-20 16:33:44', '2023-06-20 16:33:44', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/6064976617.jpeg', 0, 'attachment', 'image/jpeg', 0), (3050, 1, '2023-06-20 16:35:47', '2023-06-20 16:35:47', '', 'manchenkobook', '', 'inherit', 'open', 'closed', '', 'manchenkobook', '', '', '2023-06-20 16:35:47', '2023-06-20 16:35:47', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/manchenkobook.jpeg', 0, 'attachment', 'image/jpeg', 0), (3052, 1, '2023-06-20 16:36:36', '2023-06-20 16:36:36', '', 'Без названия', '', 'inherit', 'open', 'closed', '', 'bez-nazvaniya', '', '', '2023-06-20 16:36:36', '2023-06-20 16:36:36', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/Bez-nazvaniya.jpeg', 0, 'attachment', 'image/jpeg', 0), (3053, 1, '2023-06-20 16:37:21', '2023-06-20 16:37:21', '', '51765527', '', 'inherit', 'open', 'closed', '', '51765527', '', '', '2023-06-20 16:37:21', '2023-06-20 16:37:21', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/51765527.jpeg', 0, 'attachment', 'image/jpeg', 0), (3054, 1, '2023-06-20 16:38:40', '2023-06-20 16:38:40', '', '10305194', '', 'inherit', 'open', 'closed', '', '10305194', '', '', '2023-06-20 16:38:40', '2023-06-20 16:38:40', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/10305194.jpeg', 0, 'attachment', 'image/jpeg', 0), (3055, 1, '2023-06-20 16:40:00', '2023-06-20 16:40:00', '', '4953073', '', 'inherit', 'open', 'closed', '', '4953073', '', '', '2023-06-20 16:40:00', '2023-06-20 16:40:00', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/4953073.jpeg', 0, 'attachment', 'image/jpeg', 0), (3056, 1, '2023-06-20 16:40:55', '2023-06-20 16:40:55', '', 'i651288', '', 'inherit', 'open', 'closed', '', 'i651288', '', '', '2023-06-20 16:40:55', '2023-06-20 16:40:55', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/i651288.jpeg', 0, 'attachment', 'image/jpeg', 0), (3057, 1, '2023-06-20 16:43:36', '2023-06-20 16:43:36', '', 'scale_1200', '', 'inherit', 'open', 'closed', '', 'scale_1200', '', '', '2023-06-20 16:43:36', '2023-06-20 16:43:36', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/scale_1200.webp', 0, 'attachment', 'image/webp', 0), (3061, 15, '2023-06-20 17:35:26', '2023-06-20 17:35:26', '\n

    Сервис партнерских продаж Pampadu открыт к сотрудничеству с любыми специалистами рынка недвижимости. Неважно, есть у вас опыт в продажах или нет – получать доход от участия в нашей партнерской программе сможет каждый.

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    Сегодня мы расскажем, как составить резюме для риелтора, чтобы оно заинтересовало работодателя, и вас пригласили на собеседование.

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    С чего начать составление резюме агента по недвижимости

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    Составить резюме можно по готовым шаблонам или с помощью анкеты на сайтах по поиску работы. Резюме менеджера по продажам должно содержать информацию об образовании, опыте работы, владения языками, освоенных навыках и достижениях, возрасте и имени соискателя. 

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    Для удобства чтения используют маркированные списки, блочную подачу информации. Дополнить резюме можно фотографией в официально-деловом стиле и перечислением личных качеств.

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    Стоит ли указывать в резюме специальность риелтор

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    С точки зрения закона выделяют несколько специализаций в риелторском бизнесе: брокер, агент по недвижимости и агент по продаже недвижимости. На первый взгляд, все эти должности относятся к профессии риелтора, но в определения имеется различие:

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    Если вы только входите в эту профессию, можно разослать резюме на различные вакансии. Например, менеджера по продажам недвижимости, консультанта, риелтора, агента по недвижимости, управляющего проектами и схожие должности.

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    Образование агента по недвижимости

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    Профессии риелтора не обучают в средних или высших учебных заведениях, поэтому в вакансиях на эту должность не указывают серьезных требований к образованию. Однако вы можете пройти курсы или переподготовку по этой специальности.

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    Требования к профстандарту «Специалист по операциям с недвижимостью» определены приказом Минтруда России от 10.09.2019 года № 611н. Этот профстандарт определяет навыки и знания, которыми должен обладать агент, чтобы не допускать ошибок при составлении договоров и не становиться фигурантом судебных разбирательств с клиентами.

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    Согласно профстандарту 09.003 агент по реализации недвижимости, должен:

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    Дополнительное обучение или переподготовка риелторов по этому стандарту поможет освоить и развить требуемые навыки. Основное образование соискателя на должность риелтора может быть любым. Предпочтение отдается кандидатам, имеющих образование по направлениям: юриспруденция, менеджмент организаций, управление персоналом.

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    Что писать в резюме риелтору без опыта работы

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    Если вы пока не имеет практического опыта риелторской деятельности, то вам будет сложно обойти более опытных претендентов на эту должность. Преимуществом для кандидата станет наличие опыта в продажах и умение устанавливать доверительный контакт с клиентами. Укажите в резюме имеющийся у вас опыт работы, образование, знания, личные качества.

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    Начинающего специалиста могут принять на должность помощника агента по продаже недвижимости. В таком случае за новичком закрепляют опытного наставника, который следит за его прогрессом.

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    Навыки специалиста по недвижимости

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    Агентам с опытом работы нужно перечислить навыки, которыми они овладели за время работы. Сюда можно отнести: ведение деловых переговоров, оформление и проверка правильности составления документов, умение анализировать изменения рынка недвижимости, навыки работы с сайтами-агрегаторами объявлений.

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    Укажите, с каким сегментом рынка вы работали: коммерческими объектами или жилыми, новостройками или вторичным рынком. Если вы занимались жилой недвижимостью, уточните, к какому классу она принадлежала – бизнес, премиум или эконом.

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    Список личных качеств риелтора

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    В резюме можно перечислить положительные черты своего характера:

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    Акцентируйте внимание на своих сильных сторонах. Это может быть умение работать в команде или самостоятельно планировать свой график, нестандартный подход к задаче или четкое соблюдений инструкций руководства.

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    Достижения риелтора в работе

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    Если вы уже занимались риелторской деятельностью, подтвердите это в резюме фактами, цифрами. В качестве результата можно привести количество заключенных договоров (итого, в среднем за месяц или за отчетный период), количество клиентов или размер базы объектов. Не забудьте упомянуть срок пребывания на должности, сегмент недвижимости, с которым вы работали, регион, город или район оказания услуг.

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    Соискатели нередко указывают в резюме и иные достижения – прохождение курсов, участие в конкурсах, повышение квалификации, членство в гильдии или прохождение аттестации.

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    Резюме менеджера по аренде недвижимости

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    Риелтор может работать не только в отдельном сегменте рынка, но и со сделками определенной направленности – например, арендой или продажей.

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    Агент по аренде недвижимости должен иметь образцы договоров на оказание услуг и аренду имущества, уметь их заполнить и предоставить один экземпляр клиенту. К его должностным обязанностям относятся:

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    Количество сделок по аренде превышает процент совершаемых продаж недвижимости, поэтому агент по аренде должен быть четко настроен на достижение результата.

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    Резюме менеджера по продаже недвижимости

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    Агент по продаже недвижимости работает с объектами большой стоимости. Это повышает требования к его навыкам, знанию человеческой психологии, ответственности перед клиентом.

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    Риелтор должен уметь показывать в благоприятном свете недвижимость, выставленную на продажу, акцентировать внимание на ее преимуществах и особенностях проведения сделки. С этой целью ему необходимо тщательно изучить объект продажи, документы на собственность, ознакомиться с инфраструктурой места его расположения.

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    В должностные обязанности менеджера по продажам недвижимости входит: постоянное привлечение новой клиентуры, проведение консультаций, наработка базы покупателей и продавцов, увеличение показателей продаж в своем сегменте.

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    Сопровождающее письмо

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    Резюме можно прикрепить к небольшому сопровождающему письму, в котором следует указать, чем привлекла вас вакансия или работа в этой компании. Если вы используете одно и то же резюме для рассылки в разные агентства, то в нем не стоит указывать персональные данные, контактную информацию. При желании добавить нужные сведения можно в отклике на вакансию, дополнительно показав свои коммуникативные навыки, умение входить в контакт с незнакомыми людьми.

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    Что еще можно указать в резюме?

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    Умение работать с кредитными организациями относится к преимуществам при составлении резюме. Среди своих навыков и достижений можно указать участие в партнерской программе Pampadu. Наша платформа открывает новые возможности для работы с финансовыми и страховыми офферами.

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    Если вы начинающий риелтор, то это станет вашим дополнительным конкурентным преимуществом. Сделать первый шаг легко – регистрируйтесь на сайте Пампаду и начните изучать предложения партнерских программ!

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    \n', 'Резюме для риэлтора: как составить привлекательное резюме о себе', 'Резюме для риелтора – как его составить, чтобы заинтересовать работодателя? Делимся советами, показываем примеры. Расскажем, что можно указать в резюме новичку и опытному агенту по недвижимости.\n', 'publish', 'open', 'open', '', 'rezyume-dlya-rieltora-kak-sostavit-privlekatelnoe-rezyume-o-sebe', '', '', '2023-06-20 17:35:26', '2023-06-20 17:35:26', '', 0, 'https://pampadu.ru/blog/?p=3061', 0, 'post', '', 0), (3062, 1, '2023-06-20 17:28:01', '2023-06-20 17:28:01', '', '1030х502-5 (5)', '', 'inherit', 'open', 'closed', '', '1030h502-5-5-2', '', '', '2023-06-20 17:28:01', '2023-06-20 17:28:01', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-5-5.jpg', 0, 'attachment', 'image/jpeg', 0), (3063, 1, '2023-06-20 17:33:54', '2023-06-20 17:33:54', '', 'primer-rezume-rieltora', '', 'inherit', 'open', 'closed', '', 'primer-rezume-rieltora', '', '', '2023-06-20 17:33:54', '2023-06-20 17:33:54', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/primer-rezume-rieltora.jpeg', 0, 'attachment', 'image/jpeg', 0), (3065, 15, '2023-06-20 17:49:19', '2023-06-20 17:49:19', '\n

    Сервис партнерских продаж Pampadu открыт к сотрудничеству со специалистами рынка недвижимости. Мы постоянно расширяем сеть партнеров и совершенствуем свои офферы, чтобы работать с нами было еще выгоднее.

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    Некоторые покупатели предпочитают прибретать жилье еще на стадии строительства дома. Этой же точки зрения придерживаются многие инвесторы в жилую собственность. Поэтому агент по недвижимости должен уметь сотрудничать с девелоперами. Мы изучили этот вопрос и выяснили, как работают риелторы с застройщиками и зачем это нужно. Делимся советами о том, как лучше сотрудничать со строительными компаниями.

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    Как работают риелторы с застройщиками

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    Эффективное сотрудничество риелтора и застройщика основано на взаимной выгоде. Чтобы наладить общение с девелопером, вам нужно установить порядок брони на объекты, наладить оперативный обмен информацией, установить единую систему цен. Наличие собственной базы потенциальных покупателей станет вашим дополнительным преимуществом.

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    Застройщик открыт к сотрудничеству с риелтором по таким причинам:

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    Для продуктивной работы с застройщиком риелтору потребуются развитые навыки делового общения и активного вовлечения покупателей.

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    Как риелтору работать с новостройками

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    Схемы продаж квартир в новостройках, которые использовались ранее, сейчас уже малопригодны. Предлагая вариант продаж застройщику, эффективный для работы с вторичным рынком, риелтор становится лишним звеном в цепи продаж. Речь идет об установленном проценте от продаж или повышении цены квартиры на размер комиссии посредника.

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    Однако заключая договор с застройщиком, риелтор берет на себя показы реализуемых квартир, оформление сделок и рекламу объекта. Для работы с новостройками агенту нужно досконально изучить ФЗ-214 о долевом строительстве и сопутствующую правовую базу. Но учтите, что покупатели будут осведомлены, что посредник работает за процент от продаж и не заинтересован в соблюдении их интересов.

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    Но более продуктивной схемой для риелтора считается работа от имени покупателя, с которым он заключил договор о подборе недвижимости. В этом случае агенту нужно найти ликвидную квартиру в рамках установленного диапазона цен, выбрать ипотеку с низким процентом, взвесить все риски и оптимизировать дополнительные расходы. При таком подходе заказчик останется доволен вашей работой.

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    Как риелтору выйти на застройщика

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    Большинство строительных компаний имеют собственный отдел продаж, поэтому не всегда хотят сотрудничать с маклерами. Даже если такой отдел состоит из пары менеджеров, владелец компании считает, что они могут справиться с продажей жилья самостоятельно.

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    Ситуацию усугубляет успешное взаимодействие застройщиками с финансовыми организациями по вопросам ипотечного кредитования. Риелтор может оказаться в этой схеме лишним звеном. 

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    Дефицита жилья на рынке недвижимости нет, поэтому агент может выйти на застройщика, у которого есть трудности с продажей объектов. Таких девелоперов можно определить по таким признакам:

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    Условия кризиса могут быть благоприятны для работы риелтора с застройщиком. В этот период предложение часто превышает спрос, поэтому строительная компания готова к переговорам с агентствами недвижимости. Наладив отношения, вы можете продолжить сотрудничать с девелопером и далее, когда кризис минует.

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    Признаки девелоперов, с которыми сотрудничать будет сложно:

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    Риелтора, прежде всего, интересует больший процент комиссии от застройщика, но не всегда это говорит о наличии варианта, выгодного для вашего покупателя.

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    Как частному риелтору сотрудничать с застройщиком

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    Частному риелтору сложнее сотрудничать с девелопером, чем известному агентству недвижимости с наработанной базой клиентов. Поэтому застройщик может быть не заинтересован в налаживании контакта с ИП.

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    Но бывают исключения. Частному специалисту можно обратить внимание на такие строительные компании:

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    Для работы с клиентом маклеру нужно уметь понять покупателя, находить объекты, сравнивать их по уровню риска, цене и другим показателям. 

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    Схема работы частного маклера с застройщиком та же, что и агентства недвижимости. Для самостоятельной работы риелтору нужно найти свой подход к рекламе, общению с потенциальными покупателями, презентации продаваемых квартир.

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    Если маклер стремится тщательно исполнять свои обязанности, то он получит не только гонорар, но и рекомендации клиентов.

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    Особенности взаимодействия риелтора и застройщика

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    Остановимся на отдельных нюансах сотрудничества с девелоперами, которые полезно знать для работы с возражениями. Например, рекламируя продаваемые квартиры, не забывайте указывать бренд строительной компании и название жилого комплекса. Иначе застройщик может почувствовать себя обделенным.

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    Застройщик может пойти на хитрость и начать работать сразу с несколькими агентствами по продаже недвижимости. Если не принимать во внимание конкуренцию, возникающую в этом случае среди маклеров, объекты для продажи могут распределяться неравномерно. Риелтору могут достаться менее ликвидные квартиры – расположенные на первом и последнем этажах, с видом на стену соседнего здания или выходящие на стороны автострады.

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    Строительная компания наиболее открыта к сотрудничеству, когда здание находится еще на стадии закладки котлована. В это время девелопер остро нуждается в средствах для продолжения работ. Чтобы привлечь дольщиков, риелтор может использовать наработанную базу клиентов. По мере строительства дома, когда объект начинает принимать законченные черты, потребность в агентских услугах резко снижается. Когда покупателю уже можно показать квартиры, почти готовые к заселению, застройщик старается реализовать непроданные объекты своими силами.

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    Нередко застройщик изначально выделяет риелтору пул квартир с низкой ликвидностью. Такие объекты непросто продать и агент может потратить много времени на заключение сделки. Риск заключается в том, что после просмотра жилого комплекса, покупатель выберет квартиру, реализуемую застройщиком напрямую. В результате агент по недвижимости останется без заработка.

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    Гибкость цен – преимущество застройщика. Но эта опция недоступна для риелтора, поскольку он отталкивается от установленного прайса на реализацию жилья. Это влияет на количество сделок, заключаемых через посредника. Однако риелторские конторы могут предложить клиентам бонусы в виде пониженной ставки по ипотеке и выгодной страховки от партнерской организации – такой, как Pampadu.

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    Какие перспективы открывает ипотека для риелтора?

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    Ипотечное кредитование расширило возможности покупателей недвижимости. При покупке жилья с привлечением кредитных средств оно подлежит обязательному страхованию. Поэтому при заключении сделки риелтор может предложить клиенту свои услуги по страхованию ипотеки и жизни заемщика.

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    \n\n\n\n

    Сервис партнерских продаж Пампаду позволяет выбрать страховку среди предложений от более 30 страховых компаний и банков. Регистрируясь на нашем сайте, вы сможете получать комиссионные выплаты за выполнение целевых действий – в размере до 60 % от стоимости каждого проданного полиса.

    \n', 'Как и зачем риэлторы работают с застройщиками', 'Раскрываем все нюансы того, как риелторы работают с застройщиками. Вы узнаете, как выйти на девелопера, что можно ему предложить и какие возможности это открывает для агента по недвижимости.\n', 'publish', 'open', 'open', '', 'kak-i-zachem-rieltory-rabotayut-s-zastrojshhikami', '', '', '2023-06-20 17:49:19', '2023-06-20 17:49:19', '', 0, 'https://pampadu.ru/blog/?p=3065', 0, 'post', '', 0), (3066, 1, '2023-06-20 17:48:17', '2023-06-20 17:48:17', '', '1030х502-6 (5)', '', 'inherit', 'open', 'closed', '', '1030h502-6-5-2', '', '', '2023-06-20 17:48:17', '2023-06-20 17:48:17', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-6-5.jpg', 0, 'attachment', 'image/jpeg', 0), (3068, 13, '2023-06-21 09:47:17', '2023-06-21 09:47:17', '\n

    ?Как выиграть электросамокат или автономную электростанцию?

    \n\n\n\n

    Быть активным агентом!
    Каждое Лето мы устраиваем розыгрыши, чтобы вы могли больше зарабатывать и получать ценные призы!

    \n\n\n\n

    Помимо действующего розыгрыша: «Теплое лето на Пампаду» для закрытой группы самых результативных и активных агентов проходит акция \"ПампаЛето\" в которой, агенты получают баллы за продажи разных продуктов (ОСАГО, Мини-КАСКО, Ипотека и КАСКО) и соревнуются в максимальном объёме и приросте количества баллов.

    \n\n\n\n

    У вас есть возможность получить классные призы: Электросамокат, сапборд для плавания, портативная автономная электростанция и многое другое.

    \n\n\n\n

    Если вы являетесь мульти-агентом, то ваши шансы на получение приза очень высоки!

    \n\n\n\n

    ?Как попасть в список участников закрытых групп?

    \n\n\n\n

    Делайте стабильно от 10-15 продаж разных продуктов ежемесячно и вполне возможно, вы будете участником следующей закрытой акции!

    \n\n\n\n

    Участвуйте и зарабатывайте вместе с Пампаду!

    \n', 'Время подарков на Пампаду', 'Быть активным агентом!\nКаждое Лето мы устраиваем розыгрыши, чтобы вы могли больше зарабатывать и получать ценные призы! Узнать подробности в статье.', 'publish', 'open', 'open', '', 'vremya-podarkov-na-pampadu', '', '', '2023-06-21 09:47:17', '2023-06-21 09:47:17', '', 0, 'https://pampadu.ru/blog/?p=3068', 0, 'post', '', 0), (3069, 1, '2023-06-21 09:46:39', '2023-06-21 09:46:39', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-80', '', '', '2023-06-21 09:46:39', '2023-06-21 09:46:39', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-19.png', 0, 'attachment', 'image/png', 0), (3071, 13, '2023-06-22 09:56:45', '2023-06-22 09:56:45', '\n

    ⚡️ Коллеги, мы заметили что hr-продукты пользуются активным спросом среди пользователей, поэтому делимся с вами инструментами для эффективной работы по офферам:

    1. SPY - сервисы с креативами

    Всё нужно начинать с анализа, креативы не исключение. Баннерная реклама завлекает изображением. Идеи, опыт других вебмастеров можно найти на сервисах. Важно! Учитывайте площадку: если хотите запустить рекламу ВКонтакте, смотрите SPY сервисы в ВК, аналогично с другими соц.сетями

    2. Единые кабинеты Рекламных компаний

    Например: MyTarget. Эта рекламная площадка позволяет запустить рекламу в «Одноклассниках» и контентных проектах Mail.ru. По сути, настройка рекламы в myTarget похожа на запуск кампаний во «ВКонтакте», а аудитории этих рекламных систем пересекаются.

    ? С небольшим бюджетом стоит запуститься в myTarget по двум причинам:

    —Невысокая стоимость клика по сравнению с другими рекламными системами.
    —Запуск рекламы возможен с бюджетом от 100 рублей в день.

    3. Сервис оптимизации РК

    Система собирает большой объем данных, анализирует его, обучается и формирует рекомендации, которые можно применить в один клик. На рынке разнообразие выбора, eLama, Click.ru, Centra и другие.

    ?Выбирайте самый удобный для себя продукт!
    С заботой о вас, команда Пампаду.

    \n', 'С чего начать в hr вертикали?', 'Делимся с вами инструментами для эффективной работы по hr-офферам.', 'publish', 'open', 'open', '', 's-chego-nachat-v-hr-vertikali', '', '', '2023-06-22 09:56:45', '2023-06-22 09:56:45', '', 0, 'https://pampadu.ru/blog/?p=3071', 0, 'post', '', 2), (3072, 1, '2023-06-22 09:56:12', '2023-06-22 09:56:12', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-81', '', '', '2023-06-22 09:56:12', '2023-06-22 09:56:12', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-6.jpg', 0, 'attachment', 'image/jpeg', 0), (3076, 13, '2023-06-23 10:35:35', '2023-06-23 10:35:35', '\n

    За 8 дней с момента перезапуска реферальной программы на Пампаду вы уже пригласили 226 новых пользователей ?

    \n\n\n\n

    Рефералы продали 7 полисов ОСАГО и 1 полис ипотеки, оставлено 103 заявки на банковские продукты.

    \n\n\n\n

    ?Чем больше заявок и продаж, тем выше ваш потенциальный пассивный доход.

    \n\n\n\n

    Приглашайте коллег и знакомых, распространяйте реферальную ссылку и зарабатывайте еще больше на Пампаду!

    \n\n\n\n

    Ознакомьтесь с запрещенными действиями в разделе ПОМОЩЬ

    \n\n\n\n

    Увеличивайте свой заработок вместе с нами!

    \n', '⚡️Итоги первой недели реферальной программы на Пампаду', 'Зарабатывай на пассивном доходе при помощи новой реферальной программы на Пампаду!', 'publish', 'open', 'open', '', 'itogi-pervoj-nedeli-referalnoj-programmy-na-pampadu', '', '', '2023-06-23 10:35:35', '2023-06-23 10:35:35', '', 0, 'https://pampadu.ru/blog/?p=3076', 0, 'post', '', 0), (3077, 1, '2023-06-23 10:35:26', '2023-06-23 10:35:26', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-82', '', '', '2023-06-23 10:35:26', '2023-06-23 10:35:26', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-20.png', 0, 'attachment', 'image/png', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3079, 13, '2023-06-23 12:07:41', '2023-06-23 12:07:41', '\n

    Платформа Пампаду предлагает тем, у кого есть видеоблог, возможность заработать. Однако перед тем, как начать получать доход, стоит разобраться, что представляет собой монетизация Ютуб. 

    \n\n\n\n

    Что такое монетизация на YouTube и как она работает

    \n\n\n\n

    Монетизация Ютуб это получение владельцем канала прибыли за счет добавления рекламы в ролики. Некоторые считают, что достаточно дополнить запись баннерной рекламой или промо для получения дохода. Однако это ложное убеждение. Реклы платят не за факт рекламы, а за просмотры самих объявлений, которые есть в видеороликах. 

    \n\n\n\n

    Просмотры видеороликов на Ютубе подразделяются на обычные и коммерческие. В монетизации видео участвуют только коммерческие просмотры. Пользователь просматривает саму рекламу, которую внедрили в ролик. При этом человек должен затратить время на просмотр объявления либо выполнить переход по ссылке на лендинг. Доход видеоблогера зависим от числа коммерческих просмотров. 

    \n\n\n\n

    Для подключения Ютуб монетизации в 2023 году в России нужно соответствовать минимальным требованиям. Оформить заявку могут те, у кого на аккаунт подписана минимум 1000 человек. Кроме того, нужно набрать за последний год минимум 4000 ч просмотров. 

    \n\n\n\n

    Сколько платят в монетизации на YouTube

    \n\n\n\n

    Вывести точные показатели нереально. Обусловлено это факторами, влияющими на заработок от монетизации аккаунта Ютуб. Показатели таковы: 

    \n\n\n\n
    1. Контекст – 1-3 USD за тысячу просмотров. 
    2. Бренд-партнерство – 1 интеграция дает видеоблогеру с миллионом подписчиков около 4500 USD. Количество интеграций за 1 мес. зависимо от влогера. 
    3. Реферальная программа – доход зависит от числа покупок, совершенных после клика по партнерской ссылке. За каждый из переходов влогер получает 20-70%. 
    4. Спонсорство, донаты – тут сложно сделать прогноз. Видеоблогер может получать от собственных фолловеров как 0, так и сотни, тысячи долларов ежемесячно. 
    5. Продажа продукции, инфопродуктов, услуг – тут, как и в предыдущем пункте, все зависит от самого влогера. 
    \n\n\n\n

    Факторы, которые влияют на размер прибыли, таковы: 

    \n\n\n\n
    1. Гео – значение имеет геолокация пользователей, которые просматривают видео. Наибольший доход получают блогеры, чьи ролики смотрят немецкие, американские граждане. 
    2. Тематика – не менее важна направленность канала. От тематики зависит заинтересованность реклов. Рекламодатели будут платить за продвижение товаров среди тех потребителей, которые относятся к целевой аудитории, платежеспособны. Например, во влоге про автомобильные запчасти вознаграждение за рекламу детского крема будет маленьким. Однако это не значит, что несоответствующую тематике рекламу нельзя использовать. 
    3. Подписчики аккаунта – блогер может посредством софта узнать статистику по целевой аудитории. Это дает возможность определить возрастной диапазон фолловеров. Если большинство подписчиков не достигли совершеннолетнего возраста, вознаграждение за рекламу будет меньше. Обусловлено это ограниченностью детского бюджета. Ребенок попросту не купит рекламируемую продукцию. 
    4. Длительность видео – выгоднее реклама, которая интегрирована в длинные видео. В длинный видеоролик возможно поместить несколько рекламных объявлений, а в короткий – одно. Во 2-м случае доход будет в несколько раз меньше, чем заработок за рекламу в длинном видео. 
    5. Качество видеороликов – пользователи не станут просматривать некачественное видео. По этой причине рекл не заинтересован в оплате рекламы, которую интегрировали в некачественные видеоролики. Желательно применять для съемки видео профессиональное оснащение. Также можно снимать и обрабатывать видеоролики, привлекая профессионалов, имеющих серьезный опыт работы в соответствующей сфере. 
    \n\n\n\n

    Как подключить монетизацию на YouTube и что делать дальше

    \n\n\n\n

    Зайдите в творческую студию аккаунта на Ютубе и откройте подраздел монетизации. Кликните по клавише подачи заявки и выполните инструкции. Рассмотрение заявок занимает 1 мес. Подключив монетизацию Ютуб в России, определите, каким способом будете зарабатывать. 

    \n\n\n\n

    Способы монетизации

    \n\n\n\n

    Популярный способ монетизации Youtube – контекст Google AdSense, официальной партнерки видеохостинга. Добавление в ролики контекста называется официальной монетизацией YouTube. Для подключения к партнерке необходимо иметь на канале минимум 1 ролик, пройти регистрацию в Google AdSense как партнер. После этого система станет подбирать рекламу под ваши видео. Она следит за тем, чтобы реклама соответствовала теме роликов, целевой аудитории канала. 

    \n\n\n\n

    Чтобы монетизировать канал данным методом, понадобятся: 

    \n\n\n\n\n\n\n\n

    Еще один способ монетизации – материальная поддержка аккаунта. Смысл метода состоит в предоставлении самым лояльным фолловерам возможности материальной поддержки влога. Доступны 3 вида подобной поддержки: 

    \n\n\n\n
    1. Спонсорство – фолловеры аккаунта обязуются переводить влогеру определенную сумму ежемесячно за дополнительные привилегии. Помните, что видеохостинг взимает с подобных взносов комиссионный сбор, равный 30%. 
    2. Суперстикеры, суперчат – дают возможность пользователю, просматривающему премьерный видеоролик либо трансляцию, оставлять платные комментарии, дополнять их картинками с анимацией. Платные комментарии заметны всем. Они обладают другой расцветкой, показываются вверху общего чата. 
    3. Донаты – простейший вид финансовой поддержки. В описании аккаунта либо определенного ролика необходимо разместить ссылку для перевода денег. Вывести донаты на банковскую карточку можно посредством «Стримлабс», «ДонейшнАлертс». 
    \n\n\n\n

    Следующий метод монетизации Ютуб – бренд-партнерство. Влогер контактирует с определенным брендом, договаривается с ним о рекламе, интегрирует рекламное объявление в собственный ролик. Добавлять рекламное объявление бренда в видео возможно различными способами. Популярны такие методы: 

    \n\n\n\n
    1. Ревью – рекл отправляет влогеру брендовую продукцию. Влогер должен показать ее в ролике с различных ракурсов, подробно рассказать про нее, озвучить собственные впечатления. 
    2. Продакт-плейсмент – влогер рекламирует товар, не озвучивая его бренд. Например, можно снять видео, будучи в одежде с логотипом производителя. Еще один вариант – пить какой-либо напиток так, чтобы была видна этикетка. 
    3. Распаковка – способ характеризуется органичностью, популярен среди фолловеров, схож с ревью. Влогер аккуратно вытаскивает из упаковки только что приобретенный либо бесплатно полученный от производителя товар на камеру. Влогер демонстрирует подписчикам «товар лицом», проверяет, как его использовать. 
    4. Рекламный вкладыш – подобная реклама может быть вообще не связана с тематикой ролика. Снимать ее самому также необязательно. Обычно проморолик дает сам рекл. Влогер должен разместить промо в собственном ролике, донести до пользователей сведения о бренде. 
    5. Нативная вставка – способ сочетает в себе продакт-плейсмент и рекламный вкладыш. Влогер должен в собственном ролике упомянуть продвигаемый бренд максимально естественно, чтобы фолловеры даже не догадались о наличии рекламы. 
    \n\n\n\n

    Обратите внимание, что рекламные объявления в видеоролике должны быть обозначены. Для этого необходимо, загружая видео, поставить отметку «Содержит прямую рекламу». 

    \n\n\n\n

    Еще зарабатывать можно посредством реферальной системы. Возможно, вы часто замечали на Ютубе, как блогер рекламирует товар бренда. Влогер советует купить его, нажав на ссылку. Это пример монетизации аккаунта посредством участия влогера в партнерке бренда. Блогер, который участвует в реферальной программе, получает процент с каждой покупки, совершенной после клика по соответствующей ссылке. За саму рекламу рекл при этом не платит. 

    \n\n\n\n

    С бренд-партнерством схож такой способ монетизации, как продажа товаров, инфопродуктов, услуг. Главное различие состоит в том, что блогер продает услуги или товары для личной выгоды. Подобный метод монетизации оптимален для больших каналов с широкой аудиторией, которая лояльна к влогеру. 

    \n\n\n\n

    Главный плюс подобного способа – простота. Любой разберется с ним. К минусам относят повышенную вероятность ошибиться с ассортиментом, надоесть фолловерам назойливой рекламой, ничего не продать, а значит, не заработать. 

    \n\n\n\n

    Еще влогер может заработать посредством IT-производства. Разрабатываемые блогерами игры и программы имеют большие шансы на попадание в топ по скачиваниям. Это неудивительно, так как у подобного софта сразу есть лояльная аудитория, быстро откликающаяся на приглашение к тестированию. 

    \n\n\n\n

    IT-производство предусматривает несколько способов монетизации. Блогеры зарабатывают на платных загрузках, покупках в играх, рекламе. Кроме того, зарабатывают на платных подписках. Их оформляют, когда завершается пробный период. 

    \n\n\n\n

    Последний из доступных вариантов монетизации – мерч. Размер заработка зависит от числа фолловеров, а также от того, насколько активен влогер. Один лишь мерч приносит владельцу канала несколько сотен долларов ежемесячно. Оформите заказ изготовления мерча через платформу «Тиспринг», официально сотрудничающую с видеохостингом. Альтернативный вариант – создание мерча своими силами либо сотрудничеством с брендом. 

    \n\n\n\n

    Монетизация канала с помощью Pampadu

    \n\n\n\n

    Пампаду – это партнерская платформа, помогающая влогерам получать доход от поступающего трафика. Большое количество партнерок банковских и микрофинансовых организаций, страховщиков, кадровых агентств обеспечивает владельцу канала Ютуб монетизацию. 

    \n\n\n\n

    Многие предложения на платформе позволяют продвигать продукты через влог. Подбирайте офферы, где в списке источников разрешенного трафика присутствует видеоконтент. Также подойдут предложения, где видеоконтент можно использовать по согласованию с рекламодателем. Рассмотрим на примере, как продвигать оффер Газпромбанка «Дебетовая карта UnionPay» посредством видеорекламы. 

    \n\n\n\n

    В первую очередь, создайте аккаунт на платформе. После авторизации: 

    \n\n\n\n
    1. Откройте раздел «Фин. продукты». 
    2. Выберите «Дебетовые карты». 
    3. Кликните по «Копировать ссылку» около соответствующего оффера. 
    \n\n\n\n
    \"\"/
    \n\n\n\n

    После этого интегрируйте ссылку в видео, призывая подписчиков перейти по ней для оформления дебетовой карточки. За каждую оформленную и активированную карточку банк заплатит 2600 руб. Обратите внимание, что видеорекламу в данном случае разрешено применять только после согласования с рекламодателем. 

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    О сервисе 

    \n\n\n\n

    Большое количество офферов – преимущество Pampadu. Выделяют 3 типа предложений, доступных на платформе: финансовые продукты, страхование, подбор персонала. Также к плюсам сервиса относят: 

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    Начать использовать Pampadu можно, создав аккаунт и войдя в него, а затем выбрав партнерскую программу и оффер.

    \n', 'Монетизация Youtube: что это такое и сколько можно заработать в 2023 году', 'Заработать на видеоблоге позволяет монетизация Ютуб. Главное – знать, что такое монетизация и как она работает, как подключить и сколько зарабатывают. ', 'publish', 'open', 'open', '', 'monetizatsiya-youtube-chto-eto-takoe-i-skolko-mozhno-zarabotat-v-2023-godu', '', '', '2023-06-23 12:07:41', '2023-06-23 12:07:41', '', 0, 'https://pampadu.ru/blog/?p=3079', 0, 'post', '', 0), (3080, 1, '2023-06-23 12:07:13', '2023-06-23 12:07:13', '', '1030х502-1 (5)', '', 'inherit', 'open', 'closed', '', '1030h502-1-5-2', '', '', '2023-06-23 12:07:13', '2023-06-23 12:07:13', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-1-5.jpg', 0, 'attachment', 'image/jpeg', 0), (3082, 13, '2023-06-23 12:20:42', '2023-06-23 12:20:42', '\n

    Платформа Пампаду обеспечивает агентам множество возможностей для заработка на партнерских программах. Чтобы работать с партнерками и получать доход, пройдите обучение арбитража трафика. 

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    Где пройти обучение

    \n\n\n\n

    Арбитражники советуют не затрачивать средства на непопулярные программы. Лучше уделить время самообучению, наработке опыта. Платные программы нередко предусматривают сведения, которые доступны бесплатно. Их часто предлагают инфоцыгане, которые желают заработать на учащихся, но не планируют учить их арбитражу. 

    \n\n\n\n

    Неплохие программы предлагают CPA-сети. Такие платформы заинтересованы в том, чтобы повысить навыки web-мастеров. Популярны курсы от: 

    \n\n\n\n\n\n\n\n

    Если нужны знания, связанные с маркетингом, рекомендуется обратить внимание на проверенные проекты, ознакомиться с отзывами. Обучайтесь на курсах «Скиллбокса», «Нетологии». Некоторые материалы доступны бесплатно. 

    \n\n\n\n

    Кроме курсов, полезны постоянные общение с арбитражниками, подписки на специализированные сообщества, чтение соответствующей литературы. Постоянная практика, которую подкрепили теорией, позволяет мыслить системно, получать доход. 

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    Как выбрать вертикаль

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    Выбирая вертикаль для работы в рамках партнерской программы, учитывайте, в чем вы хорошо разбираетесь. Можете основываться на том, какими ресурсами владеете. К примеру, если у вас имеется сайт либо канал на «Ютубе» про видеоигры, можете заняться продвижением предложений геймерских партнерских программ, пари на киберспортивные матчи. Специалисты рекомендуют не продвигать сразу несколько вертикалей. Рекомендуется остановить выбор на чем-то одном или изучать по очереди различные вертикали. 

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    В 2023 г. популярны такие вертикали, как: 

    \n\n\n\n\n\n\n\n

    Предложения этих вертикалей закрывают основные физиологические потребности людей: продолжение рода, здоровье, получение удовольствия. Еще становятся популярны относительно новые вертикали, которые конвертят. К таким вертикалям относят криптовалюты, информационные продукты, подписки. 

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    Товарка – это физические товары. К таковым относят электронные устройства, автотовары, спортинвентарь. К нутре относят продукцию, которая связана с красотой, здоровьем, гигиеной. Конкурентная борьба и высокая прибыль характерны для гемблинга. С гемблингом схожи вертикали беттинга. Если говорить о крипте, то сегодня это белая вертикаль. В России принимаются законодательные проекты, которые легализуют добычу электронных монет, владение ими. 

    \n\n\n\n

    Особенно популярны в 2023 г. стали финансовые и страховые офферы. Они позволяют зарабатывать на рекламе дебетовых и других карт, полисов ОСАГО. Кроме того, арбитражник получает доход, рекламируя страхование ипотек. 

    \n\n\n\n

    Как выбрать партнерскую программу

    \n\n\n\n

    Выбирая партнерскую программу, учитывайте следующее: 

    \n\n\n\n\n\n\n\n

    Подобрав партнерскую программу после прохождения арбитражу трафика обучения с нуля бесплатно, желательно сразу наладить контакт с персональным менеджером. Можно консультироваться с ним, не упуская возможности в любой момент получить помощь. Менеджер заинтересован в том, чтобы специалист дал максимальное количество трафика и денег. 

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    Как выбрать оффер

    \n\n\n\n

    Оффер предлагает продукцию, услуги, предусматривает условия, по которым специалист работает с партнерской программой. В условия включены: 

    \n\n\n\n\n\n\n\n

    От правильности выбора предложения зависим доход. Выбирая оффер, необходимо уделить время: 

    \n\n\n\n\n\n\n\n

    Как проанализировать аудиторию под оффер

    \n\n\n\n

    Для определения целевой аудитории стоит использовать интеллект-карты. Определите следующее: 

    \n\n\n\n\n\n\n\n

    Основные термины, которые используют в арбитраже

    \n\n\n\n

    Арбитражники применяют такие термины: 

    \n\n\n\n\n\n\n\n

    Сколько можно заработать на арбитраже трафика

    \n\n\n\n

    Размер заработка зависит от навыков вебмастера. Если арбитражник работает лишь с досками объявлений и создает посевы в пабликах, это будет приносить небольшой доход. Опытный специалист по контекстной рекламе, настроивший разные кампании, получает большой профит. 

    \n\n\n\n

    Средний заработок арбитражника без команды – 100000-150000 руб. ежемесячно. Профит нестабилен – иногда можно выйти в минус. Также есть те, кто основывает собственные агентства, зарабатывает 2-3 млн. руб. ежемесячно. 

    \n\n\n\n

    Где брать трафик для арбитража

    \n\n\n\n

    Источником платного трафика служат: 

    \n\n\n\n\n\n\n\n

    Получить трафик можно и бесплатно. Применимы такие методы: 

    \n\n\n\n\n\n\n\n

    О сервисе Пампаду

    \n\n\n\n

    Сервис Pampadu предлагает арбитражникам 2 основных способа заработка – продвижение финансовых и страховых офферов. В первом случае агенту необходимо продвигать дебетовые и кредитные карты, кредиты наличными, РКО, ипотечные займы, микрозаймы. Также можно продвигать ОСАГО, другие страховки. 

    \n\n\n\n
    \"\"
    \n\n\n\n

    Большое количество офферов – главный плюс Pampadu. Также к преимуществам платформы относят сотрудничество только с известными брендами, которые быстро выплачивают вознаграждения, предлагают неплохие суммы комиссионного вознаграждения. 

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    На платформе Пампаду доступны разные возможности для заработка на партнерках. Тем, кто хочет получать прибыль, нужно разбираться в арбитраже трафика. Трекер в арбитраже – полезный инструмент для вебмастера. 

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    Что такое трекеры

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    Трекер – это софт, позволяющий автоматизировано собирать, обрабатывать, анализировать сведения о маркетинговых кампаниях. Софт предусматривает дополнительный функционал, к примеру, управление трафиком, рекламной кампанией. 

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    Чем отличается от TDS? 

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    TDS представляет собой систему, распределяющую трафик без дополнительных функций. В прошлом арбитражники регулярно ее применяли, но в 2023 г. она заменена трекером. Он позволяет собирать статистическую информацию, форматировать отчетности, интегрировать систему с маркетинговыми кампаниями. Это повышает уровень автоматизации, информативности рекламной кампании за счет точечного принятия управленческих решений. 

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    Для чего и кем используется? 

    \n\n\n\n

    Трекер применяют специалисты по маркетингу и управляющие компании для: 

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    1. Быстрого анализа того, насколько эффективны связки. Сведения о крео и источниках трафика будут поступать в одно место. Встроенные фильтры обеспечивают разделение трафика по гео, операторам, устройствам, иным характеристикам. Это улучшает точность позиционирования маркетинговой кампании. 
    2. Распределения трафика, перенаправления его по установленным параметрам. Не понадобится приостанавливать кампанию для смены партнерки, если достигнут лимит по лидам или предложениям. 
    3. Получения максимума прибыли. Отслеживая трафик и переадресовывая его, направляйте людей на отдельные предложения, выполняйте градацию пользователей по государствам, языку, иным характеристикам. Есть реклы, которые платят больше за лиды определенных регионов. 
    4. Создания подробных отчетностей о кампании. В отчетах показываются сильные и слабые стороны кампании. 
    5. Проведения сплит-проверок. Это необходимо для разделения потока людей между лендом, предложениями. 
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    Когда трекер не нужен

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    Источники, направления трафика стоит мониторить для отсечения малоэффективных связок. В интернете есть много бесплатных трекеров для арбитражников. Однако, если вебмастер не сомневается в собственных силах и уверен, что связки надежны, он может обойтись без проверки. Подобное происходит нечасто, ведь малейшая ошибка приводит к трате средств впустую. Знать слабые места кампании и особенности трафика полезно. 

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    Какие бывают трекеры

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    Выделяют 2 типа софта для вебмастеров, различных по предназначению, функционалу. 

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    Серверные

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    Серверный трекер – это программа со стандартным установщиком, активацию которой выполняют на сервере с распаковкой файлов. Плюсы такого ПО заключаются в следующем: 

    \n\n\n\n\n\n\n\n

    Минусы серверных трекеров таковы: 

    \n\n\n\n\n\n\n\n

    Облачные

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    Вебмастеру не требуется загружать софт, инсталлировать на выделенный сервер, потому что все выполняется через интернет. Выполняется запись информации о маркетинговых кампаниях в облако, где они изучаются в любое время суток. 

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    Главный плюс облачных трекеров – быстрая передача информации. Сервер и гео автоматически подбираются для рекламной кампании. Кроме того, не требуется разбираться в технических характеристиках сервера для настройки работы трекера. Основной минус облачных трекеров – это платные тарифы, зависящие от числа событий, которые произошли. 

    \n\n\n\n

    Стоимость трекеров

    \n\n\n\n

    У множества программ существуют бесплатно доступные версии. Однако большая часть софта распространяется в интернете по условно-бесплатной модели. Предусматривают пробный период, в течение которого вебмастер проверяет функции софта. После этого необходимо приобретать платную подписку. 

    \n\n\n\n

    Существуют и платные трекеры, где создатели софта предусматривают много функций. Подобный софт оптимален для опытных арбитражников, которым необходимо поддерживать стабильную конверсию с постоянным совершенствованием методов разработки маркетинговых кампаний. 

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    Как использовать трекер

    \n\n\n\n

    Несмотря на существенную разницу в организации хранения данных и скорости работы, все программы работают по одинаковой схеме. 

    \n\n\n\n

    Как подключить

    \n\n\n\n

    Чтобы подключить серверный и облачный софт, используют разные механизмы. Серверному ПО необходим сервер, куда инсталлируется приложение. В случае с клауд-трекером покупают платный тариф. Арбитражник регистрируется в сервисе для получения доступа к его функциям. 

    \n\n\n\n

    Как настроить

    \n\n\n\n

    После инсталляции трекера пользователь увидит «голое» приложение, каким его поставляют разработчики. Необходимо выполнить персонализацию программы. 

    \n\n\n\n

    Выбор партнерской сети

    \n\n\n\n

    Чтобы добавить партнерскую сеть, понадобится указать название сети, кликнуть по клавише сохранения. 

    \n\n\n\n

    Указание источников трафика

    \n\n\n\n

    Агент может использовать шаблон со всеми настройками. Также можно самому указать название источника трафика. 

    \n\n\n\n

    Если необходимо использовать токены, чтобы передавать сведения о видах устройств пользователей, ОС, иных источниках трафика, поставьте отметку около соответствующего пункта. После этого кликните по клавише сохранения. 

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    Указание офферов

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    Для добавления предложения необходимо пройти авторизацию в системе партнерки, открыть страницу оффера. После скопируйте ссылку в буфер обмена. Вернитесь в приложение и укажите название предложения. Добавьте ссылку в соответствующую строку. 

    \n\n\n\n

    Будет автоматически создан токен. Он необходим для передачи сведений о клике. Для регистрации идентификатора алгоритмами измените значение укажите гео, группу, партнерскую сеть. Пропишите цену конверсии, кликните по клавише сохранения. 

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    Указание целевой страницы

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    Чтобы добавить целевую страницу, понадобится определить: 

    \n\n\n\n\n\n\n\n

    Выполните сохранение настроек, скопируйте ссылки, добавьте их в места на ленде. По ним будут нажимать люди, чтобы перейти к предложению. Система выполнит автоматическую генерацию postback URL. Ссылку необходимо копировать с добавлением в настройки предложения партнерки. Это легче сделать через личный кабинет. 

    \n\n\n\n

    Создание рекламной кампании

    \n\n\n\n

    Понадобится указать имя, группу, цену перехода, источник трафика. После этого настройте маршрут, по которому будет двигаться трафик. Можно сделать так, чтобы люди выполняли переход к предложению без ленда. Укажите лендинг, добавьте предложение. 

    \n\n\n\n

    Полезные функции

    \n\n\n\n

    Для успешной работы арбитражнику необходимо разбираться в функционале популярных трекеров. 

    \n\n\n\n

    Аналитика рекламных кампаний

    \n\n\n\n

    В сводной таблице приложение для арбитражников показывает: 

    \n\n\n\n\n\n\n\n

    Аналитика лендингов

    \n\n\n\n

    Приложение выполняет сбор статистических сведений о каждом лендинге. Определяются число переходов, соотношение затрат и прибыли, процент Hold. Можно редактировать, клонировать отчетности. 

    \n\n\n\n

    Аналитика офферов

    \n\n\n\n

    В приложении доступны сведения о гео, числе лидов, прибыли и затратах, кликабельности. Доступны фильтры по регионам, группам, часовым поясам. 

    \n\n\n\n

    Аналитика источников трафика

    \n\n\n\n

    Приложение выполняет запись и анализ кликабельности, числа лидов, конверсии, дохода. 

    \n\n\n\n

    Аналитика кликов

    \n\n\n\n

    В приложении есть: 

    \n\n\n\n\n\n\n\n

    Есть возможность фильтровать информацию по государству, предложению, статусу, прибыли. 

    \n\n\n\n

    Создание триггеров

    \n\n\n\n

    Триггеры аналогичны макросам в Microsoft Office. Арбитражник указывает условия, при которых срабатывают механизмы. После этого система исполняет их, проверив соответствие. 

    \n\n\n\n

    ТОП-5 трекеров 2023

    \n\n\n\n

    Топ трекеров для арбитража трафика в 2023 г. выглядит так: 

    \n\n\n\n
    1. RedTrack.io – клауд-трекер, который универсален, предусматривает много инструментов. Вебмастер следит за параметрами маркетинговых кампаний, автоматизирует рутину, создает подробные отчетности. 
    2. «Кейтаро» – серверный софт с пробной версией и набором функций, позволяющих оценивать качество продукта. Можно точечно настроить доступ, доступны 100 шаблонов партнерских сетей. 
    3. «АдсБридж» – клауд-трекер, где применяется технология «Смартлинк». Арбитражник заливает на одну ссылку. Приложение автоматически изучает каждого пользователя, перенаправляет на оптимальное предложение для повышения конверсии. 
    4. «Бином» – серверный софт с пробным периодом. Есть система смарт-ротации, перенаправляющая людей, сразу закрывших ленд после перехода, на другую посадочную страницу в следующий раз. 
    5. «Зевстрак» – гибридный софт с расширенным функционалом. Сборка модулей в единый интерфейс занимает 4 мин. Есть встроенное управление доменами, возможность создания серверов для любых стран. Для использования «Зевстрак» не требуется разбираться в скриптах, программировании. Предусмотрена база ролей, позволяющая управлять командой. Единственный минус – цена софта. 
    \n\n\n\n

    Рекомендации по выбору трекера

    \n\n\n\n

    Выбирая приложение, учитывайте следующее: 

    \n\n\n\n
    1. Все приложения исполняют одинаковые задачи, однако различны по принципу работы, техническим характеристикам. 
    2. Определите, какую сумму готовы ежемесячно затрачивать на аренду ПО. 
    3. Выполните оптимизацию затрат. Рассчитайте, как тариф удовлетворит профессиональные потребности. 
    4. Протестируйте в пробный период оставшиеся варианты. Это позволит принять окончательное решение в пользу конкретного трекера. 
    \n\n\n\n

    Заранее решите, какой софт необходим – серверный либо облачный. 1-й вариант оптимален для тех, кто работает с конкретными гео, не хочет зависеть от лимита визитов. Клауд-софт оптимален для арбитражников, ведущих много маркетинговых кампаний в различных странах. 

    \n\n\n\n

    О сервисе Пампаду

    \n\n\n\n

    Платформа предлагает тем, кто профессионально занимается арбитражем, возможности для заработка. Вебмастер зарабатывает, сотрудничая с разными партнерскими программами, доступными на Пампаду. Доступны банковские, страховые офферы. Деньги от банков и страховых оперативно поступают на счета агентов – быстрые выплаты физическим и юридическим лицам. 

    \n\n\n\n
    \"\"
    \n\n\n\n

    Платформа Pampadu предусматривает собственный трекер, упрощающий работу вебмастеру. Также арбитражникам доступны другие полезные инструменты, например, витрины для финансовых офферов и предложений по страховкам. Грамотно оперируя доступными инструментами, вебмастер максимизирует доход от сотрудничества с партнерскими программами. 

    \n', 'Трекеры в арбитраже трафика: что это и как пользоваться', 'Вебмастер, стремящийся зарабатывать на арбитраже, уменьшает затраты на маркетинговые кампании, не теряя в эффективности. В этом может помочь трекер. ', 'publish', 'open', 'open', '', 'trekery-v-arbitrazhe-trafika-chto-eto-i-kak-polzovatsya', '', '', '2023-06-23 12:28:39', '2023-06-23 12:28:39', '', 0, 'https://pampadu.ru/blog/?p=3085', 0, 'post', '', 0), (3086, 1, '2023-06-23 12:25:29', '2023-06-23 12:25:29', '', '1030х502-5 (6)', '', 'inherit', 'open', 'closed', '', '1030h502-5-6-2', '', '', '2023-06-23 12:25:29', '2023-06-23 12:25:29', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-5-6.jpg', 0, 'attachment', 'image/jpeg', 0), (3088, 13, '2023-06-26 10:20:15', '2023-06-26 10:20:15', '\n

    ✅ Коллеги, о том, какие преимущества открывают новые ссылки на Пампаду и как с ними работать.

    \n\n\n\n
    1. Новый путь копирования ссылок.

      Теперь, при нажатии на кнопку \"Копировать ссылку\" вам открывается поп-ап, в котором вы можете просто скопировать ссылку и использовать ее в своей рекламе.
    2. Единый трекинговый домен для всех ссылок.

      Теперь все ссылки на Пампаду ведут на трекинговый домен, что позволяет отслеживать клики по вашим ссылкам, считать их количество, а также отображать вам performance метрики (CR, EPC)
    3. Использование параметров sub

      Возможность добавлять к ссылкам свои параметры sub1-sub5, что позволят отслеживать эффективность конкретных размещений.
    4. Автоматические редиректы.

      Ваша рабочая ссылка остается неизменной на все время, пока оффер активен.
    \n\n\n\n

    Настраивайте и анализируйте свои действия по размещению ссылок чтобы они стали более эффективными!
    Подробнее в ➡️ СТАТЬЕ

    \n\n\n\n

    ❣️С заботой о вас команда Пампаду!

    \n', 'Преимущества трекинговой системы', 'Рассказываем о том, какие преимущества открывают новые ссылки на Пампаду и как с ними работать.', 'publish', 'open', 'open', '', 'preimushhestva-trekingovoj-sistemy', '', '', '2023-06-26 10:20:15', '2023-06-26 10:20:15', '', 0, 'https://pampadu.ru/blog/?p=3088', 0, 'post', '', 0), (3089, 1, '2023-06-26 10:19:34', '2023-06-26 10:19:34', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-83', '', '', '2023-06-26 10:19:34', '2023-06-26 10:19:34', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-21.png', 0, 'attachment', 'image/png', 0), (3091, 13, '2023-06-26 13:08:13', '2023-06-26 13:08:13', '\n

    Поэтому будь на правильной стороне и оформляй как можно больше полисов ОСАГО и Ипотеки, возможно именно ты унесешь мешок с деньгами и крутой смартфон!

    \n\n\n\n

    Подведение итогов состоится 03.07.23.
    Подробности акции в ➡️ БЛОГЕ

    \n\n\n\n

    ?Для тех, кто не успел принять участие мы подготовили приятные новости:

    \n\n\n\n
    1. Вы еще можете принять участие в розыгрыше для закрытой группы самых результативных и активных агентов проходит акция «ПампаЛето», где агенты получают баллы за продажи разных продуктов (ОСАГО, Мини-КАСКО, Ипотека и КАСКО) и соревнуются в максимальном объёме и приросте количества баллов.
      Много крутых подарков ждут вас!
    2. Откроем маленький секрет — уже в ИЮЛЕ мы запустим мега розыгрыш на весь летний сезон, таких подарков и приятных условий вы не видели ни у кого!
    \n\n\n\n

    Не упустите свой шанс на получение денежных презентов и крутых подарков от Пампаду,
    Участвуйте и побеждайте!

    \n', 'Осталось совсем немного и мы начнем подсчитывать результаты акции «Теплое Лето»', 'Оформляй продукты ОСАГО и Ипотеки и получай возможность увеличить свой заработок и крутые призы!', 'publish', 'open', 'open', '', 'ostalos-sovsem-nemnogo-i-my-nachnem-podschityvat-rezultaty-aktsii-teploe-leto', '', '', '2023-06-26 13:08:13', '2023-06-26 13:08:13', '', 0, 'https://pampadu.ru/blog/?p=3091', 0, 'post', '', 0), (3092, 1, '2023-06-26 12:57:12', '2023-06-26 12:57:12', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-84', '', '', '2023-06-26 12:57:12', '2023-06-26 12:57:12', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-22.png', 0, 'attachment', 'image/png', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3095, 13, '2023-06-27 10:59:12', '2023-06-27 10:59:12', '\n

    Получайте тройной пассивный заработок с продаж ваших коллег и знакомых - мы начисляем реферальный бонус по продажам вашего реферала за ОСАГО, ипотеку, банковские продукты и найм персонала.

    \n\n\n\n

    Приводим пример: по прошлой реферальной программе один наш пользователь пригласил 44 реферала, они оформили 108 полисов ОСАГО, за которые он получил 5 400 руб.

    \n\n\n\n

    Помимо ОСАГО, они также оформили:
    ? 75 полисов ипотеки - сейчас реферальный бонус бы составил 4 700 руб.
    ? банковских и HR продуктов на сумму вознаграждения 767 000 руб.- сейчас реферальный бонус бы составил 38 350 руб.

    \n\n\n\n

    ⚡️Открываем доступ к многократному увеличению заработка: практически каждый пользователь оформляет помимо страхования еще и банковские продукты, по которым мы платим вам 5% от полученной рефералом комиссии!

    \n\n\n\n

    Условия реферальной программы в разделе ➡️ ПОМОЩЬ

    \n\n\n\n

    Увеличивайте свой заработок вместе с Пампаду!

    \n', 'Выгоды уникальной реферальной программы на Пампаду', 'Получайте тройной пассивный заработок с продаж ваших коллег и знакомых - мы начисляем реферальный бонус по продажам вашего реферала за ОСАГО, ипотеку, банковские продукты и найм персонала.', 'publish', 'open', 'open', '', 'vygody-unikalnoj-referalnoj-programmy-na-pampadu', '', '', '2023-06-27 10:59:12', '2023-06-27 10:59:12', '', 0, 'https://pampadu.ru/blog/?p=3095', 0, 'post', '', 0), (3096, 1, '2023-06-27 10:56:00', '2023-06-27 10:56:00', '', 'image-11', '', 'inherit', 'open', 'closed', '', 'image-11-3', '', '', '2023-06-27 10:56:00', '2023-06-27 10:56:00', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/image-11.png', 0, 'attachment', 'image/png', 0), (3097, 1, '2023-06-27 10:58:58', '2023-06-27 10:58:58', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-85', '', '', '2023-06-27 10:58:58', '2023-06-27 10:58:58', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-23.png', 0, 'attachment', 'image/png', 0), (3100, 13, '2023-06-28 10:02:23', '2023-06-28 10:02:23', '\n

    Postback — это техническое решение, благодаря которому вы сможете получать данные о совершаемых клиентом действиях с оффером в вашу систему.

    \n\n\n\n

    С Postback вы сможете передавать данные о заявках и изменении их статусов в сторонние системы:
    TDS-трекеры, приложения, собственные базы данных и др.
    Трекеры позволяют получать всю информацию о действиях, совершенных в партнерской сети, и видеть статистику, удобную для анализа.

    \n\n\n\n

    Создать Postback можно в личном кабинете, в разделе Вебмастеру-> Postback.
    На Пампаду по умолчанию настраивается глобальный постбэк, также возможно настроить локальный постбек для конкретного оффера.

    \n\n\n\n

    Как настроить постбэк на стороне Пампаду читать подробнее.

    \n\n\n\n

    ⚡️Агенты и вебмастера, теперь у вас есть возможность благодаря Postback отслеживать куда и какой трафик направляется, и от каких именно переходов можно получить максимальную прибыль, это поможет вам в эффективности работы и заработка!

    \n\n\n\n

    С любовью к своему делу,
    Команда Пампаду     ?

    \n', 'Постбеки на Пампаду.', 'Отслеживайте куда и какой трафик направляется, и от каких именно переходов можно получить максимальную прибыль, это поможет вам в эффективности работы и заработка!', 'publish', 'open', 'open', '', 'postbeki-na-pampadu', '', '', '2023-06-28 10:02:23', '2023-06-28 10:02:23', '', 0, 'https://pampadu.ru/blog/?p=3100', 0, 'post', '', 0), (3101, 1, '2023-06-28 10:01:41', '2023-06-28 10:01:41', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-86', '', '', '2023-06-28 10:01:41', '2023-06-28 10:01:41', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-24.png', 0, 'attachment', 'image/png', 0), (3104, 13, '2023-06-28 12:41:17', '2023-06-28 12:41:17', '\n

    ☂️ Рады сообщить, что расширили список двумя банками доступными для оформления полиса ипотечного страхования в компании МАКС.

    \n\n\n\n

    — лимит остатка до 7 млн. руб.;
    — для квартир и апартаментов;
    — типы полисов: жизнь, имуществе и комбинированный;
    — оформление только при наличии номера кредитного договора;
    — возраст заемщика 18-59 лет;
    — ваша комиссия 10% от стоимости полиса.

    \n\n\n\n

    Быстрый расчет и фильтры на первом этапе всегда покажут только подходящие варианты. А в случае ошибки наша поддержка всегда поможет с внесением изменений или аннулированием полисов.

    \n\n\n\n

    ❗️Хотим напомнить, что мы с осени 2022 года продолжаем субсидировать ставки вознаграждения по ипотечному страхования и платим честные:
    — 50-60% с полиса для Сбербанка;
    — 15% с полиса для ВТБ;
    — 10% по всем остальным банкам.

    \n\n\n\n

    Попробуйте и сравните.

    \n\n\n\n

    Хороших продаж,
    команда Пампаду!

    \n', 'Два новых банка для страхования ипотеки в СК МАКС: «Райффайзен и Уралсиб»', 'Расширили список двумя банками доступными для оформления полиса ипотечного страхования в компании МАКС', 'publish', 'open', 'open', '', 'dva-novyh-banka-dlya-strahovaniya-ipoteki-v-sk-maks-rajffajzen-i-uralsib', '', '', '2023-06-28 12:41:17', '2023-06-28 12:41:17', '', 0, 'https://pampadu.ru/blog/?p=3104', 0, 'post', '', 0), (3105, 1, '2023-06-28 12:38:33', '2023-06-28 12:38:33', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-87', '', '', '2023-06-28 12:38:33', '2023-06-28 12:38:33', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-25.png', 0, 'attachment', 'image/png', 0), (3107, 13, '2023-06-29 10:28:18', '2023-06-29 10:28:18', '\n

    ?Рассказываем про крупные продажи полисов ипотеки, оформленные при помощи менеджеров Пампаду:

    Страховая компания - Ренессанс
    Банк - Сбербанк
    КВ - 30 602 руб.
    Остаток кредита - 13 900 000 руб. (квартира)

    \n\n\n\n
    \"\"
    \n\n\n\n

    Страховая компания - Ренессанс
    Банк - Сбербанк
    КВ - 19 897  руб.
    Остаток кредита - 7 000 000 руб. (дом)

    \n\n\n\n
    \"\"
    \n\n\n\n

    Страховая компания - АльфаСтрахование
    Банк - Сбербанк
    КВ - 16 894  руб.
    Остаток кредита - 12 000 000 руб. (дом)

    \n\n\n\n
    \"\"
    \n\n\n\n

    ?Для пролонгации полисов:
    Через менеджеров Пампаду можно оформить нашу, а также чужую пролонгацию. Пожалуйста, указывайте в заявке после фамилии и имени клиента номер предыдущего полиса. Это ускорит обработку заявки.

    Если вам нужен номер полиса, оформленного в прошлом году через Пампаду, запросите информацию у вашего менеджера или в тех.поддержке.

    ?С заботой о вас, команда Пампаду!

    \n', 'Кейсы по страхованию ипотеки через менеджера', 'Делимся с вами успешными кейсами по оформлению полисов ипотеки через менеджеров Пампаду', 'publish', 'open', 'open', '', 'kejsy-po-strahovaniyu-ipoteki-cherez-menedzhera', '', '', '2023-06-29 10:28:18', '2023-06-29 10:28:18', '', 0, 'https://pampadu.ru/blog/?p=3107', 0, 'post', '', 0), (3108, 1, '2023-06-29 10:25:49', '2023-06-29 10:25:49', '', '1030h502-1-2', '', 'inherit', 'open', 'closed', '', '1030h502-1-2-3', '', '', '2023-06-29 10:25:49', '2023-06-29 10:25:49', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-1-2.png', 0, 'attachment', 'image/png', 0), (3109, 1, '2023-06-29 10:25:53', '2023-06-29 10:25:53', '', '1030h502-1-3', '', 'inherit', 'open', 'closed', '', '1030h502-1-3-3', '', '', '2023-06-29 10:25:53', '2023-06-29 10:25:53', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-1-3.png', 0, 'attachment', 'image/png', 0), (3110, 1, '2023-06-29 10:26:16', '2023-06-29 10:26:16', '', '1030h502-2-2', '', 'inherit', 'open', 'closed', '', '1030h502-2-2-3', '', '', '2023-06-29 10:26:16', '2023-06-29 10:26:16', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-2-2.png', 0, 'attachment', 'image/png', 0), (3111, 1, '2023-06-29 10:26:22', '2023-06-29 10:26:22', '', '1030h502-2-3', '', 'inherit', 'open', 'closed', '', '1030h502-2-3-3', '', '', '2023-06-29 10:26:22', '2023-06-29 10:26:22', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-2-3.png', 0, 'attachment', 'image/png', 0), (3112, 1, '2023-06-29 10:28:05', '2023-06-29 10:28:05', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-88', '', '', '2023-06-29 10:28:05', '2023-06-29 10:28:05', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-26.png', 0, 'attachment', 'image/png', 0), (3114, 1, '2023-06-29 10:51:42', '2023-06-29 10:51:42', '', '1030h502-27', '', 'inherit', 'open', 'closed', '', '1030h502-27-2', '', '', '2023-06-29 10:51:42', '2023-06-29 10:51:42', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-27.png', 0, 'attachment', 'image/png', 0), (3115, 1, '2023-06-29 10:51:45', '2023-06-29 10:51:45', '', '1030h502-28', '', 'inherit', 'open', 'closed', '', '1030h502-28-2', '', '', '2023-06-29 10:51:45', '2023-06-29 10:51:45', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-28.png', 0, 'attachment', 'image/png', 0), (3119, 15, '2023-06-29 14:03:55', '2023-06-29 14:03:55', '\n

    Для ряда пользователей социальной сети Яндекс.Дзен создание контента стало не только хобби, но и дополнительным источником дохода. Однако, не все знают о возможности монетизации в Дзене своего профиля и как на этом заработать. В данной статье мы рассмотрим, как устроена монетизация канала, какие методы заработка доступны авторам каналов, работающим с сервисом Pampadu. 

    \n\n\n\n

    Особенности монетизации в Дзене

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    Сеть предоставляет блогерам следующие способы монетизации контента: 

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    Реклама – источник дохода для большинства блогеров. Она размещается в виде баннеров, рекламных статей, промо-постов в ленте пользователя. За каждый клик на рекламный материал Яндекс.Дзен начисляются средства. Сумма зависит от популярности блога, в среднем, это 1,5-4 рубля за клик.

    \n\n\n\n

    Подписка позволяет получить доступа к материалам автора за фиксированную плату. Цена подписки устанавливается самим блогером и может быть как ежемесячной, так и годовой.

    \n\n\n\n

    Некоторые блогеры продают продать статьи или видео другим ресурсам за дополнительную плату. Часто этот способ используют издания для получения оригинального контента. При этом автор, как правило, удаляет материал со своего канала. В некоторых случаях покупатель готов поставить перекрестную ссылку на канал, если речь идет о популярном блогере или признанном эксперте.

    \n\n\n\n

    Сумма дохода зависит от тематики и качества контента, а также от размера аудитории блогера. Чтобы увеличить доход, необходимо регулярно публиковать полезный для читателей контент, увеличивать количество подписчиков и продвигать канал в социальных сетях.

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    \"\"
    \n\n\n\n

    Подключение монетизации: кто и как может это сделать 

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    Функционал монетизации Яндекс.Дзен доступен не всем блогерам, а только авторам, достигшим определенного объема контента. Это двухминутные видео и статьи с временем дочитывания от 40 секунд. Такой выбор обусловлен позицией рекламодателей, которых не интересуют короткие посты и публикации.

    \n\n\n\n

    Еще одно требование – 10 тысяч минут просмотра материалов канала, набранных за срок до 7 дней. Контролировать этот показатель можно через специальный счетчик, который есть в «Студии» аккаунта (канала).

    \n\n\n\n

    Здесь же подается заявка на монетизацию дзен-канала. После чего происходит верификация аккаунта и заполнение всех необходимых данных (телефон, СНИЛС, ИНН, реквизиты для выплат). Служба поддержки проверит канал на соответствие правилам платформе и при положительном исходе подключит монетизацию. Сроки – от 2 дней до 1,5 месяцев. Все зависит от загрузки службы.

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    Монетизация в Яндекс.Дзен доступна как физическим лицам, так и самозанятым, компаниями ИП.

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    Заработки и факторы, влияющие на доход канала

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    Платформа позволяет зарабатывать при регулярной выкладке востребованного у читателей контента. Доход может варьироваться от 2000-3000 рублей до 200-400 тысяч. Получаемая автором прибыль зависит от нескольких факторов:

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    Каждый из этих факторов влияет на доход от монетизации на Яндекс.Дзен, поэтому рекомендуем уделять вниманию каждому из этих блоков.

    \n\n\n\n

    Проблемы заработка на Я.Дзен

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    На платформе существует ряд факторов, которые негативно влияют на уровень авторского дохода:

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    Несмотря на эти проблемы, зарабатывать на Дзене возможно, если уделить время и приложить усилия развитию канала и созданию оригинального контента. Кроме того, авторы могут использовать дополнительные источники дохода, такие как партнерские программы или продажа своих собственных товаров и услуг.

    \n\n\n\n

    Перспективы 

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    Как подключив монетизацию в Дзене в 2023 году поддерживать фиксированный уровень выплат или зарабатывать еще больше?

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    Авторы Дзена нередко сталкиваются с проблемой колебания дохода. Некоторые статьи могут быть прибыльными, другие – нет. Однако есть ряд способов увеличить свой доход или сохранять его на определенном уровне.

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    Старайтесь создавать посты на темы, которые будут интересны вашей аудитории. Если вы публикуете только статьи о красоте, то ваша аудитория может потерять интерес и перестать следить за вами. Добавьте смежные блоки про моду, историю создания косметических средств, предпочтения знаменитостей. Разнообразьте темы и форматы: например, добавьте видео или инфографику к постам.

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    Это поможет вам привлечь новых подписчиков и удержать текущую аудиторию. Используйте профессиональные редакторы фото и видеомонтажа для создания оригинального, яркого контента.

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    Комментарии на каналах других авторов помогут вам привлечь новых подписчиков и увеличить количество просмотров ваших постов. Комментируйте работы тех авторов, которые работают в вашей тематике или имеют сходную аудиторию. Отвечайте на комментарии ваших подписчиков. Это обратная связь, которая поможет удержать собственную аудиторию.

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    Многие бренды предлагают популярным авторам вступить в их партнерские программы. Это востребованный способ дополнительного заработка на канале.

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    Если у вас есть подписчики в других соцсетях, объедините сообщества и дайте ссылку на Дзен. Это быстро увеличит количество просмотров.

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    Опытные блогеры советуют не забывать о правилах платформы. Их несоблюдение может привести к блокировке канала. Также авторы советуют пробовать новые форматы, следить за регулярностью выпуска материала, отслеживать реакцию на статьи и видео. Последняя может стать источником пересмотра тематики.

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    «Рассматривать ведение канала, как работу» – вот главный совет всех популярных блогеров.  Только регулярный и оригинальный контент поможет продвижению блога.

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    Статистика по форматам, которая присутствует в Дзене, поможет найти трендовый вариант подачи материала или оценить статьи по показателю дочитывания, отсеяв темы, не интересующие аудиторию.

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    Заработок, при подключении монетизации в Яндекс.Дзене не является скорым процессом, но следуя рекомендациям опытных блогеров, можно увеличить доход. 

    \n\n\n\n

    Монетизация с Пампаду

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    Сервис Пампаду предлагает блогерам и авторам каналов ряд инструментов для монетизации трафика. Это виджеты, API сервисы, реферальные ссылки и программы и ПП.

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    \"\"
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    Рекламные виджеты позволяют пользователям узнавать о новых продуктах, услугах, акциях и других событиях. Например, в кулинарном блоге можно разместить виджет со сковородой рекламодателя, которая используется для приготовления средиземноморского рагу.

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    Мы не рекомендуем использовать следующие типы виджетов:

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    Виджеты привлекают новых пользователей, повышать лояльность постоянных читателей, но только при правильном применении.

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    API-модель монетизации канала представляет собой заработок посредством предоставления сторонним разработчикам доступа к его API. Каждое взаимодействие оплачивается, увеличивая доход владельца. 

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    Партнерские программы – инструмент для монетизации в Яндекс.Дзен, если канал уже имеет объемную аудиторию. Партнер предоставляет специальные ссылки или коды, которые автор размещает на канале. Важно, чтобы тематика статьи или видео соответствовала ссылке. Если этого нет, стоит сделать органичную подводку и вписать ее в текст. То же правило касается реферальных ссылок и программ.

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    \"\"
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    Сервис предлагает большой выбор предложений, позволяющих продвигать финансовые и страховые продукты через канал платформы. Ряд партнеров готовы предоставить рекламные и промо-материалы, в том числе фото и видео, который автор также может разместить у себя в блоге.

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    О сервисе Пампаду

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    Главное преимущество нашего сервиса – это комиссия и число предлагаемых пользователю офферов. Последние составляют 3 блока: финансовый, страховой, по персоналу.

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    \"\"
    \n\n\n\n

    В качестве дополнительных плюсов использования сервиса стоит отметить:

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    С нашим сервисом могут работать как новички, так и профессионалы. Доступный интерфейс и помощь личного куратора упрощает работу.

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    Партнерами сервиса являются ведущие банки и страховые компании, а сотрудничество будет выгодно вебмастерам, блогерам, владельцам бизнеса, риэлторам и страховым агентам.

    \n', 'Монетизация в Дзене: что это и сколько можно заработать', 'Как устроена монетизация в Яндекс.Дзен? Какие инструменты доступны авторам каналов и есть ли способы увеличить доход с блога?', 'publish', 'open', 'open', '', 'monetizatsiya-v-dzene-chto-eto-i-skolko-mozhno-zarabotat', '', '', '2023-06-29 14:03:55', '2023-06-29 14:03:55', '', 0, 'https://pampadu.ru/blog/?p=3119', 0, 'post', '', 0), (3120, 1, '2023-06-29 13:49:40', '2023-06-29 13:49:40', '', '1030х502-2 (4)', '', 'inherit', 'open', 'closed', '', '1030h502-2-4-2', '', '', '2023-06-29 13:49:40', '2023-06-29 13:49:40', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-2-4.jpg', 0, 'attachment', 'image/jpeg', 0), (3121, 1, '2023-06-29 13:52:13', '2023-06-29 13:52:13', '', '1688046709811', '', 'inherit', 'open', 'closed', '', '1688046709811', '', '', '2023-06-29 13:52:13', '2023-06-29 13:52:13', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1688046709811.jpg', 0, 'attachment', 'image/jpeg', 0), (3122, 1, '2023-06-29 13:53:22', '2023-06-29 13:53:22', '', '1685088046678 (1)', '', 'inherit', 'open', 'closed', '', '1685088046678-1', '', '', '2023-06-29 13:53:22', '2023-06-29 13:53:22', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1685088046678-1.jpg', 0, 'attachment', 'image/jpeg', 0), (3125, 15, '2023-06-29 15:58:37', '2023-06-29 15:58:37', '\n

    Пампаду – сервис для тех, у кого есть сайт, канал на YouTube, другой ресурс, который можно монетизировать и начать получать доход. Монетизация ВК – один из вариантов, способных обеспечить неплохой заработок.  

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    Как можно заработать в ВКонтакте

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    Монетизация ВКонтакте предусматривает несколько вариантов. Один из них – это VK Donut. Суть заключается в получении дохода от лояльных фолловеров через платную подписку на уникальный контент. Заработок зависим от числа платных фолловеров, цены подписки. Способ оптимален для: 

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    Для подключения такой монетизации VK: 

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    1. Зайдите в подраздел «VK Donut» в настройках паблика. 
    2. Кликните по «Включить». 
    3. Укажите запрошенные данные. 
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    Подобный вариант оптимален для тех, у кого есть открытый или закрытый паблик, не нарушающий правила соцсети. Число фолловеров не имеет значения. 

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    Еще один вариант – маркет-платформа. Система автоматизирует публикацию рекламы. Вебмастер обозначает условия, принимает заявки от реклов. Заработок зависит от цены публикации, числа постов с рекламой в паблике за день. Способ монетизации подойдет: 

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    Для подключения монетизации: 

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    1. Зайдите в настройки паблика. 
    2. Кликните по «Монетизация». 
    3. Кликните по кнопке подключения к маркет-платформе. 
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    Способ подойдет владельцам открытых пабликов, созданных минимум 1 мес. назад. Среднесуточный охват – минимум 7.5 тыс. пользователей. 

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    Как подключить монетизацию видео в ВК

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    Монетизация видео в ВК позволяет зарабатывать на публикации уникальных видеороликов, проведении видеотрансляций. Способ подойдет тем, кто создает видео, начиная с блогов, стримов и заканчивая короткометражками. Также вариант оптимален для владельцев пабликов. 

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    Алгоритм подключения следующий: 

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    1. Удостоверьтесь, что контент не нарушает условия программы. 
    2. Отправьте заявку, перейдя в настройки паблика и выбрав «Монетизация». 
    3. Получите уведомление от саппорта соцсети. 
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    Видео не должны нарушать законодательство, правила соцсети, права третьих лиц. На паблик должно быть подписано минимум 5 тыс. человек. Загрузка видео и ведение трансляций должны осуществляться через нативный медиаплеер ВК. 

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    Контент должен быть уникален. Недопустимы плагиат, несоблюдение авторских прав. Перезаливать чужие видео с YouTube и использовать иные обходные пути нельзя. Паблик не должен относится к одной из 9 тематик: 

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    Так как заявок на подключение достаточно много, рассмотрение может занять определенное время. Однако, если по истечении нескольких недель никакого уведомления о результатах рассмотрения заявки не поступило, в обязательном порядке свяжитесь с саппортом соцсети. 

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    Участие в монетизации видео может быть приостановлено. Такое происходит при нарушении положений пользовательского соглашения ВК. Также приостановка монетизации происходит при плагиате контента, получении претензий от реальных авторов. Еще монетизацию останавливают при искусственном влиянии на повышение показателей, от которых зависит заработок. 

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    Для максимизации дохода придерживайтесь таких рекомендаций: 

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    1. Регулярно выкладывайте публикации. Это одна из очевиднейших, но при этом эффективных рекомендаций для повышения заработка. Регулярное выкладывание публикаций обеспечивает продвижение в интернете, удержание фолловеров. Подписчики станут возвращаться в группу за новым контентом. Частота контента зависима от выбранного формата, тематики группы. К примеру, если вы делаете обзоры новостей города, понадобится публиковать контент чаще, чем в группе иной тематики. 
    2. Помните об иных типах контента. Разумеется, при описываемом способе монетизации значение имеют лишь размещаемые видео. Однако их сложно делать. Ленту паблика необходимо разбавлять интересными постами, лайфхаками, анонсами будущих видеороликов. Помните, что видео, которое можно монетизировать, должно длиться минимум 1 мин. 
    3. Загружайте видеоролики на стену. Загрузка видео только в альбом уменьшает число просмотров, охватов. 
    4. Создавайте подборки. К примеру, в группе за 1 мес. разместили 10 роликов. Однако алгоритмы соцсети и персональные настройки пользователей могут просто не отобразить весь контент. Создание подборок обеспечивает увеличение просмотров роликов за счет фолловеров, которые их еще не видели либо случайно упустили. 
    5. Экспериментируйте с контентом. Если не изменять форматы самих видео, то фолловерам скоро надоест привычная подача контента. Тестируйте новые форматы, экспериментируйте с продолжительностью видео. Понаблюдав за аудиторией, выберите несколько форматов, приносящих  больше всего дохода. В дальнейшем делайте упор на них. 
    6. Взаимодействуйте с подписчиками. Организовывайте прямые трансляции, голосования, давайте ответы на вопросы аудитории. Это обеспечит сохранение существующих подписчиков, привлечение новых пользователей. 
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    Сколько ВКонтакте платит за просмотры

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    Соцсеть ВК не дает конкретной информации касательно платы за просмотры. Известно, что заработок не имеет потолка. Доход зависим от следующих показателей: 

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    В итоге все сведено к тому, что, чем больше количество подписчиков в паблике, тем выше заработок. 

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    Как работает монетизация группы во «ВКонтакте»

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    Владельцам пабликов различных тематик и направлений подойдет заработок на партнерке. Суть монетизации сообщества VK заключается в публикации контента и получении дохода от рекламы. Заработок доходит до 1 000 000 руб. ежемесячно. Порядок подключения следующий: 

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    1. Перейдите в подраздел монетизации в настройках паблика. 
    2. Кликните по «Подключиться» в блоке партнерки. 
    3. Создайте профиль в кабинете выплат. 
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    Паблик должен соответствовать таким условиям: 

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    Для пабликов с узкой тематикой минимально необходимое количество фолловеров может быть уменьшено. 

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    Способы монетизации

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    Еще один вариант монетизации – VK Mini Apps. Способ основан на добавлении внутренних покупок, рекламы в приложения. Способ оптимален для создателей мобильного софта. Для подключения к монетизации выполните настройку рекламы через партнера AppsCentrum. Также можно осуществлять продажу товаров в своем мини-приложении. Реальная продукция оплачивается посредством VK Pay. Виртуальные товары можно продавать за голоса. Вариант монетизации доступен тем, кто разместил минимум 1 сервис на платформе VK Mini Apps. 

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    Музыканты любых жанровых направлений и масштаба могут монетизировать аудио. Лицензируйте собственное творчество и зарабатывайте на прослушиваниях. Заработок зависим от: 

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    Для подключения монетизации укажите запрошенные сведения в анкете. После этого ожидайте ответа одного из партнерских дистрибьюторов и начинайте сотрудничать. Способ подойдет создателям музыкальных треков, готовых к официальному размещению аудио в соцсети. 

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    Еще один из вариантов монетизации – товары. Используйте витрину и иные средства продаж абсолютно бесплатно. Заработок зависим от количества подписчиков, числа потенциальных покупателей, стоимости продукции. Способ оптимален для: 

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    Для подключения монетизации: 

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    1. Кликните по «Управление». 
    2. Зайдите в настройки. 
    3. Нажмите на «Разделы». 
    4. Активируйте «Товары». 
    5. Укажите режим работы – базовый либо расширенный. 
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    Паблик может быть как открытым, так и закрытым. 

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    Следующий способ монетизации – услуги. Разработайте прайс-лист и опубликуйте его на видном месте в группе. Заработок зависим от числа фолловеров, количества потенциальных заказчиков, стоимости услуг. Такой вариант подойдет тем, кто получает доход от своих навыков: репетиторам, фитнес-тренерам, дизайнерам, иным частным специалистам. Для подключения зайдите в настройки разделов, активируйте «Услуги». 

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    Последний из доступных способов монетизации – нативная реклама. Она предусматривает запуск публикаций вместе с брендами, партнерами. Пометки «Реклама», комиссионных сборов и лимитов не предусмотрено. Такая реклама эффективно влияет на аудиторию, так как подается в ненавязчивой форме. 

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    Заработок зависим от цены публикации, о которой вы договоритесь с реклом. Также на доход влияет число постов с рекламой за день. Способ подойдет как авторам, так и создателям пабликов. Для заработка: 

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    1. Отыщите компанию, продукция или услуги которой представляют интерес для фолловеров сообщества. Например, если паблик посвящен теме финансов, продвигайте банковские офферы, предложения МФО. 
    2. Договоритесь о взаимовыгодных условиях. Изучите среднерыночные расценки, чтобы не продать рекламу слишком дешево, но и не отпугнуть рекла высокой ценой. 
    3. Начинайте сотрудничать. То, как будет подана нативная реклама, зависит только от вас. 
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    Монетизация с помощью Пампаду

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    Чтобы монетизировать паблик посредством Pampadu, создайте аккаунт на платформе и авторизуйтесь в нем. После этого найдите оффер, правилами которого разрешено использовать трафик из соцсетей. Доступно 3 типа предложений: 

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    \"\"/
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    Допустим, выбрали «Фин. продукты», категорию «Микрозаймы». Для монетизации сообщества VK подходит оффер компании Carmoney «Займ под залог ПТС». Для перехода к условиям оффера кликните по «Полные условия». 

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    \"\"/
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    Компания платит по 15 тыс. руб. за каждый оформленный заем. Среднее время оплаты – 1 мес. Показатель подтверждений равен 20%. Оффер нужно продвигать среди клиентов, соответствующих требованиям компании: 

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    Для начала работы кликните по «Копировать ссылку». Ее и используйте для рекламы. Займы, оформленные после перехода по скопированной ссылке, будут приносить вознаграждения. 

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    О сервисе Пампаду

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    На платформе Пампаду доступно много офферов от известных банков, микрофинансовых организаций, страховщиков, кадровых агентств. Pampadu обеспечивает агентам доступ к эффективным инструментам, позволяющим отслеживать заработок, подбирать стратегии продвижения продуктов брендов. Прочие плюсы сотрудничества с Пампаду таковы: 

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    Создайте аккаунт на платформе – это займет пару минут. После этого начинайте работу.

    \n', 'Монетизация ВК: что это и сколько можно заработать', 'Монетизация ВК позволяет тем, кто создает видео или владеет пабликом, зарабатывать. Узнать больше о том, что представляет собой монетизация ВКонтакте, можно в этой статье. ', 'publish', 'open', 'open', '', 'monetizatsiya-vk-chto-eto-i-skolko-mozhno-zarabotat', '', '', '2023-06-29 15:58:37', '2023-06-29 15:58:37', '', 0, 'https://pampadu.ru/blog/?p=3125', 0, 'post', '', 0), (3126, 1, '2023-06-29 15:56:18', '2023-06-29 15:56:18', '', '1030х502-3 (5)', '', 'inherit', 'open', 'closed', '', '1030h502-3-5-3', '', '', '2023-06-29 15:56:18', '2023-06-29 15:56:18', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-3-5.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3128, 13, '2023-06-29 16:05:55', '2023-06-29 16:05:55', '\n

    Сервис партнерских продаж Pampadu постоянно сотрудничает с риелторами, агентствами по недвижимости. Мы постоянно расширяем сеть партнеров и совершенствуем свои офферы в области страхования недвижимости.

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    Начинающих риелторов, как правило, волнует вопрос, оценка недвижимости – что это такое и как ее определить? В работе агента по недвижимости не обойтись без понимания оценки частной собственности. Она проводится при заключении сделок купли-продажи, оформлении ипотечного займа. Мы изучили этот вопрос и подготовили для вас краткое руководство по теме.

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    Что понимают под оценкой недвижимости

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    Оценка недвижимости – процесс определения цены объекта собственности: квартиры, дома, дачи, гаража и прочего имущества. Процедура регламентируется ФЗ «Об оценочной деятельности в Российской Федерации». Ею могут заниматься частные лица или компании, получившие аккредитацию.

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    Для предоставления информации в государственные органы и банковские организации потребуется получить у них официальный документ – отчет об оценке. Например, эти данные предоставляют при рассмотрении судебных дел, для занесения в Росреестр или при оформлении ипотеки.

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    Виды стоимости

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    Оценочную деятельность регулируют специальные нормативные акты – федеральные стандарты оценки (ФСО), утверждаемые Минэкономразвития России.

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    Федеральный стандарт оценки «Виды стоимости (ФСО II)» определяет виды оценочной стоимости и особенности их определения. ФСО II определяет четыре вида стоимости: рыночную, ликвидационную, инвестиционную, кадастровую. 

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    Рыночная

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    Это цена, по которой можно реализовать собственность в условиях свободного рынка. Рыночную стоимость указывается при обсуждении сделок купли-продажи. Ее размер формируется рынком – для оценивания учитывают цену аналогичных по размеру, расположению объектов.

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    Ликвидационная

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    Это стоимость, по которой можно реализовать объект в ограниченный срок. Если при расчете рыночной стоимости планируется срок продажи 3-4 месяца, то при расчете ликвидационной берут за основу срок реализации за 1-2 месяца. Поэтому ликвидационная цена всегда будет ниже рыночной – примерно на 20-25 %. При определении ликвидационной стоимости также учитывают обстоятельства, которые вынудили собственника срочно продать объект.

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    Инвестиционная

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    Это цена, определяемая в рамках конкретных инвестиционных целей. Ее используют для оценивания прибыли, которую можно извлечь из объекта собственности – например, от сдачи квартиры в аренду. Инвестиционная стоимость при расчете всегда больше рыночной, поскольку предполагает получение прибыли от объекта в дальнейшем.

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    Кадастровая

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    Это сумма, которая определяется при проведении кадастровой оценки государственными оценщиками. Этот параметр необходим для расчета размера налога, которым облагается недвижимость при совершении сделок купли-продажи и иных действий.

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    Оценщик вправе учитывать другие виды стоимости, не указанные в стандарте. Например, существует понятие восстановительной стоимости. Это сумма, в которую обойдется строительство такого же объекта в текущих рыночных условиях. В нее входит стоимость материалов, оплата проектных и строительных работ, а также иные затраты.

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    Методы оценивания: как могут считать стоимость

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    Федеральный стандарт оценки «Подходы и методы оценки (ФСО V)» определяет основные методы расчета, используемые оценщиками. Их установлено три: сравнительный, доходный, затратный. 

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    Сравнительный

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    Этот метод основан на сравнении стоимости похожих объектов. Результат должен быть скорректирован в зависимости от характеристик объекта и найденных аналогов. Этот метод требует изучения большого объема информации и его часто используют для расчета рыночной стоимости недвижимости.

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    Доходный

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    Суть метода состоит в том, что объект рассматривают как источник будущих доходов. Оценщик должен рассчитать потенциальную прибыль объекта с момента покупки до окончания его эксплуатации. При этом нужно учесть и риски, характерные для места расположения объекта. Доходный метод может применяться в инвестиционной деятельности, а также для расчета рыночной стоимости.

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    Затратный

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    Этот метод, как правило, применяют для оценивания объекта недвижимости вместе с земельным участком, на котором он расположен. Суть его заключается в определении суммы затрат на строительство объекта. Эксперт оценивает стоимость земельного участка, оценивает износ строения, определяет затраты на его восстановление. На основании этих данных формируется итоговая стоимость объекта недвижимости.

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    Более достоверный результат можно получить, если использовать все три метода. С целью получения более точных итогов работы, оценочная компания может применять другие методы оценивания, не указанные в стандарте. Например, можно провести ипотечно-инвестиционный анализ.

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    Что определяет стоимость недвижимости

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    Прежде всего, в цену недвижимости должна быть заложена ее себестоимость. В нее входят все затраты, связанные с проектированием и строительством объекта. Но на стоимость недвижимости влияют и другие факторы, не связанные с возведением объекта:

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    Все эти параметры оценщик должен учесть и отразить в отчете об оценке собственности.

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    Как проходит оценивание объектов недвижимости

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    Оценка объекта собственности может проводиться от одного дня до нескольких недель. Срок работ зависит от исходных данных, загруженности оценщика. Процедура включает несколько этапов.

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    Этап 1. Постановка задания

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    Задание на оценку включает в себя цель ее проведения и вид оценивания, который нужно определить. На этом этапе заказчик должен предоставить оценщику имеющиеся у него документы на недвижимость – выписку из ЕГРН, кадастровый паспорт, технический план и пр. Требуемый список документов зависит от конкретного объекта.

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    Этап 2. Подписание договора

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    После постановки задачи и согласования условий, оценщик предложит вам подписать договор на оказание услуг. В нем должны быть указаны сроки выполнения работ, порядок оплаты, права, обязанности сторон.

    \n\n\n\n

    Этап 3. Сбор информации

    \n\n\n\n

    Эксперт собирает сведения, на основании которых он будет проводить свою оценку. Для этого он может выехать на объект, сравнить соответствие квартиры плану БТИ, провести осмотр, зафиксировать дефекты фотосъемкой. 

    \n\n\n\n

    Этап 4. Расчет стоимости

    \n\n\n\n

    Специалист на этом этапе выбирает метод расчета. Чаще всего, для определения рыночной стоимости пользуются сравнительным методом. Для получения более точного результата также учитывают результаты нескольких дополнительных методов.

    \n\n\n\n

    Этап 5. Учет условий

    \n\n\n\n

    В зависимости от особенностей объекта для оценивания стоимости применяется повышающий или понижающий коэффициент. Все используемые для расчетов формулы и полученные результаты должны быть приведены в итоговом отчете.

    \n\n\n\n

    Этап 6. Формирование отчета

    \n\n\n\n

    На этом этапе составляется отчет об оценке стоимости недвижимости для предоставления клиенту. В итоговом отчете должны быть указаны сведения о заказчике и оценщике, задание на оценку, описание объекта, процесса оценки, полученные выводы.

    \n\n\n\n

    Для чего нужна оценка квартиры или другой недвижимости

    \n\n\n\n

    Оценка стоимости требуется не только при купле-продаже жилья, но и в ряде других случаев:

    \n\n\n\n\n\n\n\n

    Нужно учитывать, что при оформлении ипотеки или кредита под залог, как правило, учитывают ликвидационную стоимость объекта, а не рыночную. Расчет стоимости может потребоваться и при проведении других операций с недвижимостью, его может запросить любая из сторон сделки.

    \n\n\n\n

    Хотите получать ещё больше дохода от риелторства?

    \n\n\n\n

    Сервис партнерских продаж Пампаду готов предложить риелторам, оценщикам выгодное партнерство. Сотрудничая с нами, можно зарабатывать на продаже банковских, страховых офферов своим клиентам. 

    \n\n\n\n
    \"\"
    \n\n\n\n

    Например, вы можете оформить страхование ипотеки через наш сервис. Страховка обойдется клиенту дешевле, чем в банке, на 20-40 %, а вы получите вознаграждение за участие в партнерской программе до 60 % от цены полиса.

    \n', 'Оценка недвижимости: что это такое и для чего нужна', 'Оценка недвижимости – что это такое и по каким критериям ее проводят? Рассказываем про виды оценочной стоимости и то, как их использовать в работе риелтора.\n', 'publish', 'open', 'open', '', 'otsenka-nedvizhimosti-chto-eto-takoe-i-dlya-chego-nuzhna', '', '', '2023-06-29 16:05:55', '2023-06-29 16:05:55', '', 0, 'https://pampadu.ru/blog/?p=3128', 0, 'post', '', 0), (3129, 1, '2023-06-29 16:01:54', '2023-06-29 16:01:54', '', '1030х502-2 (5)', '', 'inherit', 'open', 'closed', '', '1030h502-2-5-2', '', '', '2023-06-29 16:01:54', '2023-06-29 16:01:54', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-2-5.jpg', 0, 'attachment', 'image/jpeg', 0), (3131, 13, '2023-06-29 16:12:46', '2023-06-29 16:12:46', '\n

    Сервис партнерских программ Pampadu предлагает риелторам и агентствам по недвижимости продвигать свои услуги, получая дополнительный доход от продажи финансовых и страховых продуктов. Заработок на выполнении целевых действий доступен каждому – мы сотрудничаем с партнерами независимо от их юридического статуса и применяемой системы налогообложения. 

    \n\n\n\n

    Типы жилых домов – это общепринятая в РФ классификация жилого фонда. Чтобы оказывать риелторские услуги, нужно, как минимум, разбираться в типовых планировках квартир. Мы расскажем про различия типов многоквартирных домов, их преимущества и недостатки.

    \n\n\n\n

    Типы многоквартирных домов в РФ

    \n\n\n\n

    Многоквартирный дом, как и следует из названия, это строение, предназначенное для проживания отдельных семей. При этом каждая из них имеет отдельный вход в жилище и собственную изолированную жилую площадь. 

    \n\n\n\n

    В риелторском бизнесе принята классификация многоквартирных домов по соотношению с эпохой их строительства:

    \n\n\n\n\n\n\n\n

    Рынок жилья полон предложений квартир периода массового строительства, но в крупных городах попадаются и незаурядные варианты. Поможем понять, какие типовые квартиры представлены среди предложений недвижимости.

    \n\n\n\n

    Дореволюционные здания

    \n\n\n\n

    Почти все дома дореволюционные постройки принадлежат к ценному историческому фонду. А это означает, что их владельцы не могут провести перепланировку или застеклить балкон. Даже монтаж кондиционера может быть признан изменением внешнего вида дома.

    \n\n\n\n

    Однако покупателя квартиры в таком доме ждут преимущества в виде уникального дизайна и старинной планировки. Многоквартирный дом, построенный до революции, мог быть гостиницей, доходным домом или купеческим особняком. Нередко внутри здания сохранились элементы лепнины, в комнатах остались камины или печи.

    \n\n\n\n

    Строили такие дома из добротного керамического кирпича по индивидуальным проектам. Даже сейчас себестоимость постройки кирпичного дома наиболее затратная. При этом кирпич не горит и обеспечивает хорошую шумоизоляцию. Поэтому неудивительно, что чем лучше состояние квартиры в старинном доме, тем больше ее цена.

    \n\n\n\n

    Квартиры в жилых домах сталинских времен

    \n\n\n\n

    Сталинками принято называть квартиры в многоэтажных домах, отстроенных с 1930-х по 1950-е годы. Массовая застройка в это время только зарождалось. Разработаны первые типовые серии многоквартирных домов.

    \n\n\n\n

    К ним относят:

    \n\n\n\n\n\n\n\n

    Возводят в послевоенные годы также малоэтажные дома. Такое строительство представлено зданиями из шлакоблока на 10-20 квартир, которые строили для проживания рабочих с семьями недалеко от фабрик, заводов, шахт и других промышленных объектов. Приобретать сейчас такие квартиры не рекомендуется. Характеристики такого жилья могут быть даже хуже, чем в квартирах-хрущевках. Например, могут быть не подведены некоторые инженерные коммуникации, отсутствовать ванная или кухня. 

    \n\n\n\n

    Типовые многоэтажки хрущевских времен

    \n\n\n\n

    Подавляющая часть имеющегося в настоящее время жилого фонда в Российской Федерации относится к хрущевкам. Такие многоквартирные дома традиционно представлены пятиэтажками без лифта. Их строили по принципу: одна панель соответствует одной комнате. Площадь квартиры составляет 28-58 кв.м., в зависимости от числа комнат. В квартире типовой планировки есть балкон и кладовка, но кухня очень малых размеров – 5-6 кв.м. Ванная комната и туалет объединены в общее помещение – оно получило название «совмещенный санузел». Комнаты в многокомнатных квартирах смежные – эту планировку стали называть «трамвайчиком».

    \n\n\n\n

    Наиболее популярные серии панельных домов:

    \n\n\n\n\n\n\n\n

    Первые хрущевки были четырехэтажными, их строили в экспериментальных кварталах Москвы. В городах с холмистой местностью иногда возводили и шестиэтажки – из-за перепада рельефа с одной стороны дома было пять этажей, а с другой – шесть. В Ленинграде было возведено несколько типовых домов высотой в 9 этажей.

    \n\n\n\n

    В этот период возводились и кирпичные пятиэтажки. Они представлены сериями:

    \n\n\n\n\n\n\n\n

    В некоторых домах, построенных в Москве в этот период, предусматривался мусоропровод и лифт с внешней кабиной.

    \n\n\n\n

    Хрущевки прельщают покупателей невысокой стоимостью, развитой инфраструктурой и возможностью реализовать разнообразные дизайн-проекты. 

    \n\n\n\n

    Постройки брежневской эпохи

    \n\n\n\n

    Брежневками именуют квартиры улучшенной планировки в жилых домах, которые возвели в 1964-1982 годы. В этот период строили много и разнообразно. Возводились многоэтажные здания самого различного архитектурного исполнения:

    \n\n\n\n\n\n\n\n

    Сначала начали строить модернизированные хрущевки. Окна в таких квартирах выходят на две стороны здания, а туалет вновь разделен с ванной. Кухня становится просторнее, перестают проектировать комнаты, заходить в которые нужно через другие (проходные) комнаты.

    \n\n\n\n

    Всего насчитывается более 20 серий многоэтажек этой эпохи:

    \n\n\n\n\n\n\n\n

    В это время начинается строительство панельных девятиэтажек. Их легко можно определить по спаренным балконам. В зданиях оборудованы грузовые лифты, а в квартирах установлена безрадиаторная система отопления. В мелких городах возводили здания по тому же проекту, но в пять этажей – это было связано с затруднением подачи воды на девятый этаж.

    \n\n\n\n

    В качестве материала использовался железобетон, декоративная отделка игнорировалась. На первый план ставилась задача обеспечить жильем как можно больше граждан.

    \n\n\n\n

    Лужковская архитектура

    \n\n\n\n

    1990-е и 2000-е годы – это период, когда строительство типовых домов в России максимально усложнилось. Для зданий этого периода характерно смешение архитектурных стилей, а иногда и полная безвкусица во внешней отделке. В противовес практичному брежневскому стилю, характерным признаком для лужковской архитектуры стало украшение зданий карнизами, башенками, колоннами, балясинами.

    \n\n\n\n

    Некоторые дома продолжали строить по типовым сериям брежневок. Но появилось и новое понятие в архитектуре – капиталистический романтизм (капром). В архитектуре Москвы и ряде городов России здания этой эпохи относят к «лужковской архитектуре» или «московскому стилю».

    \n\n\n\n

    В этот период появились компактные квартиры с жилой площадью 20 кв.м. Их стали называть квартиры-студии. Архитекторы представили это как современный взгляд на жилое пространство с разделением на зоны с помощью света, предметов мебели и материалов отделки. Такой подход стал выгодным для строительных компаний – число просчетов снижалось и проект многоэтажного дома становился более дешевым.

    \n\n\n\n

    В 2010-2020 застройщики начинают предлагать квартиры с ремонтом, а также апартаменты, оформление которых клиент может выбрать из предложенных вариантов.

    \n\n\n\n

    Современное строительство: высотки с монолитным каркасом

    \n\n\n\n

    Новостройки высокой этажности возводят на основе монолитного каркаса, заливаемого бетоном на месте. Это обеспечивает высокую скорость строительства – здание возводится за 1-2 года. Облицовка из кирпича или железобетонных панелей создает внешний вид дома. Она же обеспечивает удержание тепла и защиту от внешнего шума. 

    \n\n\n\n

    Монолитные дома сейсмоустоучивы, при этом их межкомнатные стены не выступают несущими. Это означает, что владелец сможет сделать перепланировку по своему усмотрению. Недостаток такого дома заключается в том, что бетон недостаточно пропускает воздух, поэтому нужна действенная вентиляционная система.

    \n\n\n\n

    Подведем итоги: какие типы многоэтажных домов есть в России 

    \n\n\n\n

    В зависимости от материала строительства многоквартирные здания бывают:

    \n\n\n\n\n\n\n\n

    Сейчас квартиры в кирпичных домах них принадлежат к апартаментам элитного типа. Блочные и панельные дома относятся к временам массовой застройки в СССР. Современные многоэтажки возводятся, в основном, монолитными или кирпично-монолитными. Их строят частные застройщики, благодаря чему обеспечивается разнообразие планировки.

    \n\n\n\n

    Хотите получать ещё больше дохода от работы риелтором?

    \n\n\n\n

    Платформа партнерских продаж Pampadu стремится, чтобы сотрудничать с нами было выгодно для вас и ваших клиентов. Присоединившись к нашим партнерам, агент по недвижимости может увеличить свой заработок в несколько раз. 

    \n\n\n\n
    \"\"
    \n\n\n\n

    Например, можно предложить своим заказчикам помощь в страховании жилья, купленного за счет ипотечного кредита. Страховка, оформленная с помощью нашего сервиса, обойдется вашему клиенту дешевле, по сравнению с банковской, на 20-40 %. 

    \n\n\n\n

    Становитесь партнером Pampadu и получайте гарантированные выплаты с каждого оформленного полиса!

    \n', 'Типы многоквартирных домов - что нужно знать риэлтору', 'Типы жилых домов – это основа презентации квартир потенциальным покупателям. Расскажем про особенности построек разных периодов. Вы узнаете про плюсы и минусы домов типовой планировки, характерной для определенного периода строительства.', 'publish', 'open', 'open', '', 'tipy-mnogokvartirnyh-domov-chto-nuzhno-znat-rieltoru', '', '', '2023-06-29 16:12:46', '2023-06-29 16:12:46', '', 0, 'https://pampadu.ru/blog/?p=3131', 0, 'post', '', 0), (3132, 1, '2023-06-29 16:10:28', '2023-06-29 16:10:28', '', '1030х502-3 (6)', '', 'inherit', 'open', 'closed', '', '1030h502-3-6-3', '', '', '2023-06-29 16:10:28', '2023-06-29 16:10:28', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-3-6.jpg', 0, 'attachment', 'image/jpeg', 0), (3134, 13, '2023-06-29 16:17:31', '2023-06-29 16:17:31', '\n

    Оценка земель – это мероприятия, направленные на установление стоимости участка. Потребность в ее проведении появляется в ряде случаев: при покупке-продаже, оформлении кредита под залог имущества, страховании, имущественных спорах в суде, для внесения в уставной капитал юридического лица.

    \n\n\n\n

    Сервис партнерских продаж Пампаду собрал и обобщил информацию о проведении оценки земельного участка и его значении в работе риелтора. Мы расскажем вам про все основные виды оценочной стоимости.

    \n\n\n\n

    Что такое рыночная стоимость земельного участка и для чего ее нужно знать

    \n\n\n\n

    В условиях свободной купли-продажи цена на земельные участки формируется рынком недвижимости. При этом рынок регулирует себя сам, поэтому под рыночной стоимостью понимают цену, по которой можно продать участок в разумные сроки и которая удовлетворит обе стороны сделки.

    \n\n\n\n

    Узнать примерную рыночную стоимость участка можно, изучив похожие объявления на сайтах по продаже недвижимости. Если же вам нужно официальное заключение эксперта, необходимо обратиться к оценщикам. Они пользуются  для определения стоимости участка различными методами, учитывая при этом назначение земель.

    \n\n\n\n

    Главные факторы, влияющие на рыночную стоимость

    \n\n\n\n

    Формирование рыночной цены земельного участка зависит от несколько факторов.

    \n\n\n\n

    Фактор 1. Расположение

    \n\n\n\n

    Чем ближе земля к крупным городам, тем она дороже. Но даже если участки имеют одинаковую площадь и находятся в пределах одного кадастрового района, цена их может значительно различаться. Она зависит и от других факторов.

    \n\n\n\n

    Фактор 2. Состояние грунта и рельеф местности

    \n\n\n\n

    Плодородность почвы, близость к лесу или реке влияют на оценочную стоимость земли. Овраги, склоны и другие нежелательные формы рельефа снижают цену участка. Это относится также к болотистой, глинистой или соленой почве.

    \n\n\n\n

    Фактор 3. Постройки на участке

    \n\n\n\n

    Цена жилого дома, расположенного на земельном участке, входит в его стоимость. Состояние постройки также играет важную роль – земля с коттеджем будет стоить больше, чем с ветхим домом, который придется сносить.

    \n\n\n\n

    Фактор 4. Наличие коммунальных сетей

    \n\n\n\n

    Подведенное электричество, водо- и газопровод, возможность подсоединения к централизованной канализации сразу увеличивают цену земли. Местные муниципалитеты могут финансировать сооружение инженерных коммуникаций под ИЖС из средств бюджета.

    \n\n\n\n

    Фактор 5. Окупаемость

    \n\n\n\n

    Назначение земельного участка оказывает прямое влияние на возможность получения прибыли. Особенно ценятся участки возле федеральных трасс. Потенциальный доход от использования земли за определенный период также включают в рыночную стоимость участков.

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    Кто занимается определением рыночной цены земли

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    Для любых юридических действий нужно получить отчет об оценке – заключение оценщика, оформленное в виде документа в соответствии с требованиями закона № 135-ФЗ.

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    Его может составить:

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    1. Специализированное оценочное бюро. В каждом федеральном округе оценочной деятельностью занимается множество коммерческих организаций.
    2. Независимый частный оценщик. Законом «Об оценочной деятельности» не запрещена работа частных оценщиков. Они используют в работе те же принципы оценки, что и организации.
    3. Агентство недвижимости. Крупные агентства держат в своем штате оценщиков. Решили продать земельный участок с помощью риелторской конторы? Они вам помогут.
    4. Юридическая фирма. Если вам нужна не только оценка, но и помощь юриста, многие юридические фирмы предлагают экспертизу и оценку стоимости земель. Например, если вы хотите обратиться в суд с целью снизить кадастровую цену, чтобы заплатить меньший налог.
    \n\n\n\n

    Как узнать рыночную стоимость земель: пошаговая инструкция

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    Поскольку государство стремится приравнять кадастровую стоимость к рыночной, то, для начала, можно поинтересоваться кадастровой оценкой участка. Зная кадастровый номер или адрес участка, можно провести расчет приблизительной рыночной цены земли. 

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    Для получения официального отчета об оценке, обратитесь за помощью к экспертам:

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    Шаг 1. Выберете оценочную компанию

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    При выборе оценщика посоветуйтесь с теми, кто уже проводил подобные операции с недвижимостью, почитайте отзывы о компании, посмотрите примеры ее отчетов об оценке.

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    Шаг 2. Задайте ряд вопросов для эксперта

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    Прежде, чем заключать договор, задайте эксперту вопросы:

    \n\n\n\n\n\n\n\n

    Шаг 3. Предоставьте ему необходимую документацию

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    Для проведения работ потребуется техническая документация на землю, а также документы, подтверждающие право собственности. Недостающие документы можно запросить на сайте Публичной кадастровой карты России – egrp365.org.

    \n\n\n\n

    Шаг 4. Подпишите договор и оплатите услугу

    \n\n\n\n

    Внимательно изучите условия договора на предмет ответственности оценщика за возникшие по его вине проблемы из-за неправильной оценки рыночной стоимости земель.

    \n\n\n\n

    Шаг 5. Согласуйте дату и время проведения оценки

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    Обычно для проведения грамотной и правильной оценки нужно обследовать сам участок. Уточните, входит ли выезд специалиста на объект в стоимость всей услуги.

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    Шаг 6. Ожидайте приезд специалиста

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    Находитесь рядом во время осмотра специалистом участка, чтобы быть готовым ответить на его уточняющие вопросы и указать на наличие важных для оценки факторов.

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    Шаг 7. Получите отчет о проделанной работе

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    Отчет об оценке стоимости земель содержит установочные данные собственника объекта и оценщика, описание методики и ее правовое обоснование.

    \n\n\n\n

    Помощь специалистов в определении рыночной стоимости

    \n\n\n\n

    Обращаясь в оценочную компанию, мы хотим быть заверены в опыте и знаниях специалистов. Кроме того, мы не хотим заплатить слишком много. Цена такой работы зависит от региона и вида недвижимости.

    \n\n\n\n

    Как выбрать оценочную компанию? Отчет об оценке требуется банку для определения рыночной стоимости недвижимости, которую он берет в качестве залога. Подготовка отчета и передача его в банк предусмотрены условиями кредитного договора и Федеральным законом «Об ипотеке». Поэтому банки формируют свои перечни рекомендуемых оценщиков и оценочных компаний – его можно найти на официальном сайте банковской организации. 

    \n\n\n\n

    Например, сервис Домклик от Сбера предоставляет возможность заказать отчет онлайн. Он сам подберет аккредитованную компанию, которая подготовит отчет об оценке недвижимости. 

    \n\n\n\n

    После оплаты с вами свяжется представитель оценочной организации. Вы сможете выбрать удобное время для встречи. Специалист приедет на объект, осмотрит его и сделает фото, а затем – подготовит отчет об оценке недвижимости и направит его в банк. Вы получите документ в электронном виде, подписанный усиленной квалифицированной электронной подписью оценщика.

    \n\n\n\n

    Отличие кадастровой стоимости от рыночной цены

    \n\n\n\n

    Помимо рыночной следует учитывать также кадастровую стоимость земли. Ее используют для расчета налога, которым облагается недвижимость. Кадастровая цена устанавливается в результате проведения государственной кадастровой оценки.

    \n\n\n\n

    Кадастровая стоимость отличается от рыночной сферой своего применения. Если рыночная стоимость – это цена, по которой наиболее вероятно продать землю в условиях имеющейся конкуренции, то кадастровая используется исключительно для целей налогообложения. Кадастровую цену участка устанавливает государство в рамках Федерального закона «О государственной кадастровой оценке». Она вносится в данные Росреестра.

    \n\n\n\n

    Рыночную стоимость объекта определяет его собственник, риелтор или нанятый любой из сторон сделки оценщик. Она формируется спросом и считается объективной. При расчете кадастровой стоимости не учитывается благоустройство территории, вид на окружающую местность и многие другие факторы, интересующие потенциальных покупателей.

    \n\n\n\n

    Хотите получать ещё больше дохода от риелторства?

    \n\n\n\n

    Сервис Пампаду сотрудничает с риелторами, брокерами, оценщиками, аналитиками и многими другими специалистами. Совмещайте работу риелтором и участие в нашей партнерской программе – и вы сможете получать дополнительный доход, не прилагая больших усилий!

    \n\n\n\n
    \"\"
    \n\n\n\n

    Чтобы получить статус партнера, достаточно регистрации на сайте. Она займет у вас не более 5 минут – нужно только заполнить обязательные поля. Вы получите доступ в личный кабинет, в котором увидите предложения для сотрудничества и статистику начислений.

    \n\n\n\n

    На сайте представлены офферы по страхованию, банковским продуктам, подбору персонала. Например, риелтор может получать вознаграждение на страховании ипотеки – до 60% стоимости оформленного его клиентом полиса.

    \n', 'Оценка земельного участка: что нужно знать риэлтору', 'Оценка земель – это определение стоимости объекта. В статье подробно расскажем о том, как и кем она проводится. Рассматриваем все виды оценочной стоимости земельного участка.', 'publish', 'open', 'open', '', 'otsenka-zemelnogo-uchastka-chto-nuzhno-znat-rieltoru', '', '', '2023-06-29 16:17:31', '2023-06-29 16:17:31', '', 0, 'https://pampadu.ru/blog/?p=3134', 0, 'post', '', 0), (3135, 1, '2023-06-29 16:15:11', '2023-06-29 16:15:11', '', '1030х502-4 (6)', '', 'inherit', 'open', 'closed', '', '1030h502-4-6-2', '', '', '2023-06-29 16:15:11', '2023-06-29 16:15:11', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-4-6.jpg', 0, 'attachment', 'image/jpeg', 0), (3137, 13, '2023-06-30 09:33:54', '2023-06-30 09:33:54', '\n

    ?Рады представить вам новый продукт и отличную новость о том, что мы запустили оформление ОСАГО в перестраховочном пуле вместе с кроссом от АльфаСтрахование! ?

    \n\n\n\n

    — Планируемый рост одобрения +30-40%
    — Кросс - КАСКО GO
    — Стоимость кросса 1000 - 1500 руб.
    — Ваша комиссия 21-24% с кросс-полиса

    \n\n\n\n

    На 2-ом этапе оформления полиса, вы увидите всю информацию и подробности продукта.
    Подключение пула позволит вам получать больше одобрений для сложных клиентов, кого обычно не берут на страхование осаго.

    \n\n\n\n

    ❗️Не забудьте настроить КВ для ваших субагентов в разделе:
    Тарифы - АльфаСтрахование - Мини-Каско.

    \n\n\n\n

    С любовью к своему делу,
    Команда Пампаду.     ?

    \n', 'ОСАГО + КАСКО GO = Одобрение + КВ', 'Рады представить новый продукт - оформление ОСАГО в перестраховочном пуле вместе с кроссом от АльфаСтрахование! Подробности в статье. ', 'publish', 'open', 'open', '', 'osago-kasko-go-odobrenie-kv', '', '', '2023-06-30 09:33:54', '2023-06-30 09:33:54', '', 0, 'https://pampadu.ru/blog/?p=3137', 0, 'post', '', 0), (3138, 1, '2023-06-30 09:33:08', '2023-06-30 09:33:08', '', '1030х502-1', '', 'inherit', 'open', 'closed', '', '1030h502-1-22', '', '', '2023-06-30 09:33:08', '2023-06-30 09:33:08', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-1-4.png', 0, 'attachment', 'image/png', 0), (3140, 13, '2023-06-30 12:40:16', '2023-06-30 12:40:16', '\n

    Российский союз автостраховщиков (РСА) поделился статистикой с количеством страховых случаев по ОСАГО в разных регионах в период с 1 апреля 2022 года по 31 марта 2023 года.

    ✅ Регионы с наибольшими показателями страховых случаев по ОСАГО:
    Республика Дагестан – 10,8%;
    Приморский край – 7,5%;
    Чеченская Республика – 7,2%;
    Республика Ингушетия – 7,1%;
    Хабаровский край – 6,7%;
    Республика Тыва – 6,5%;
    Новосибирская область – 6,4%;
    Карачаево-Черкесская Республика – 6,3%;
    Санкт-Петербург – 6,2%;
    Чувашская Республика – 6%.

    При этом наиболее низкую частоту страховых случаев по ОСАГО РСА зафиксировал в Чукотском автономном округе (2,3%), Республике Крым (3,4%) и в Забайкальском крае (3,5%).

    ?Евгений Уфимцев отметил, что частота страховых случаев по ОСАГО за период с 1 апреля 2022 года по 31 марта 2023 года остается на уровне 5%, что примерно соответствует прошлым показателям. Однако, по сравнению с периодом с 1 января 2022 года по 31 декабря 2022 года, частота страховых случаев по ОСАГО по России снизилась на 0,07 

    Агенты, частота аварийности по ОСАГО напрямую влияет на стоимость страхового полиса. Высокие показатели по ДТП влияют на то, что коэффициент, участвующий в ценообразовании полиса, увеличивается. На практике, гражданам этого региона приходится платить за полис больше. РСА периодически обновляет показатели территориального коэффициента в зависимости от ситуации на дорогах разных регионов.

    ? С заботой о вас, команда Пампаду!

    \n', 'Статистика страховых случаев по ОСАГО в регионах', 'РСА поделился статистикой с количеством страховых случаев по ОСАГО в разных регионах.', 'publish', 'open', 'open', '', 'statistika-strahovyh-sluchaev-po-osago-v-regionah', '', '', '2023-06-30 12:40:16', '2023-06-30 12:40:16', '', 0, 'https://pampadu.ru/blog/?p=3140', 0, 'post', '', 0), (3141, 1, '2023-06-30 12:38:51', '2023-06-30 12:38:51', '', '1030х502-1', '', 'inherit', 'open', 'closed', '', '1030h502-1-23', '', '', '2023-06-30 12:38:51', '2023-06-30 12:38:51', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-1-5.png', 0, 'attachment', 'image/png', 0), (3143, 13, '2023-06-30 14:55:23', '2023-06-30 14:55:23', '\n

    ? Пятница - последний день официальной рабочей недели и последний день акции «Теплое лето на Пампаду»

    \n\n\n\n

    Весь июнь агенты активно участвовали и стремились заработать больше на продуктах ОСАГО и Ипотеки.
    Результаты акции будут опубликованы в первой половине следующей недели.

    \n\n\n\n

    Мы подготовили новость о которой молчали и скрывали, но упорно готовились к запуску.
    Открываем нашу тайну.

    \n\n\n\n

    ?На вас надвигается новый розыгрыш, который принесет много подарков и возможностей заработка!
    Такого не было ни у кого, запускаем новый формат акции и скоро вы сможете это увидеть и рассмотреть!

    \n\n\n\n

    ?Ставьте колокольчики на уведомления, чтобы не пропустить масштабный розыгрыш, также скоро в верхнем углу канала появится таймер обратного отсчёта, который показывает дату выхода новости.

    \n\n\n\n

    С любовью к своему делу,
    команда Пампаду     ?

    \n', 'Завершение акции «Теплое Лето на Пампаду»', 'Завершение акции «Теплое Лето на Пампаду» совсем скоро итоги!', 'publish', 'open', 'open', '', 'zavershenie-aktsii-teploe-leto-na-pampadu', '', '', '2023-06-30 14:55:23', '2023-06-30 14:55:23', '', 0, 'https://pampadu.ru/blog/?p=3143', 0, 'post', '', 0), (3144, 1, '2023-06-30 14:55:09', '2023-06-30 14:55:09', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-89', '', '', '2023-06-30 14:55:09', '2023-06-30 14:55:09', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-29.png', 0, 'attachment', 'image/png', 0), (3147, 13, '2023-07-03 12:22:55', '2023-07-03 12:22:55', '\n

    Три, два, один… ?
    Добро пожаловать в акцию «Вселенная подарков на Пампаду»

    \n\n\n\n

    Мы подготовили для вас более 35 подарков!
    Смартфоны, планшеты, умные часы, колонки и сертификаты.

    \n\n\n\n

    В розыгрыше принимают участие страховые, банковские продукты и пользователи реферальной программы.
    В зависимости от количества продаж или приглашенных пользователей, вы участвуете в розыгрыше различных призов по разным продуктам и номинациям.

    \n\n\n\n

    Чем больше продаж, тем лучше призы и выше шансы на победу.
    Участвовать можно сразу во всех категория!

    \n\n\n\n

    С подробностями акции можно ознакомиться ➡️ здесь

    \n\n\n\n

    Продавай и приглашай в Июле, Августе и получай возможность выиграть ценную технику.
    Желаем удачи и хороших продаж!
    Команда Пампаду.

    \n', 'Запущена самая масштабная акция на Пампаду', 'Новая акция на Пампаду запущена! Такого масштаба не было ни у кого, вас ждет целое море!', 'publish', 'open', 'open', '', 'zapushhena-samaya-masshtabnaya-aktsiya-na-pampadu', '', '', '2023-07-03 12:22:55', '2023-07-03 12:22:55', '', 0, 'https://pampadu.ru/blog/?p=3147', 0, 'post', '', 0), (3148, 1, '2023-07-03 12:20:01', '2023-07-03 12:20:01', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-90', '', '', '2023-07-03 12:20:01', '2023-07-03 12:20:01', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502.png', 0, 'attachment', 'image/png', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3154, 13, '2023-07-04 12:51:38', '2023-07-04 12:51:38', '\n

    Мы рады вашему отклику на перезапуск реферальной программы, который позволяет получать пассивный доход от трех различных продуктовых направлений на Пампаду!

    \n\n\n\n

    Напоминаем условия новой реферальной программы ➡️ ЗДЕСЬ

    ⚡️ Инструменты для привлечения заинтересованных пользователей.

    Мы сделали доработку, упрощающую вам привлечение новых релевантных пользователей: делитесь своей реферальной ссылкой, ведущей на разные страницы нашего сайта в зависимости от вашей аудитории.

    Как это работает?

    Теперь вы можете добавить свой реферальный код к любой странице сайта Pampadu.ru и делиться ей. Например, вы работаете в сфере ипотечного страхования и хотите порекомендовать сервис коллегам - теперь вы можете взять ссылку на страницу ипотеки, где рассказано подробно про ипотечное страхование на Пампаду, добавить к ней реферальный код и делиться ей! Или же вы хотите привлечь тех, кто распространяет банковские продукты, посылаете им страницу фин. продуктов и так далее.

    \n\n\n\n

    Пример использования:

    Вы вебмастер, и вы знаете, как привлечь других вебмастеров на платформу. Вы можете распространять ссылку добавив в конце свой реферальный код. Код вы можете взять со страницы реферальной программы.

    \n\n\n\n
    \"\"
    \n\n\n\n



    Реферальный код включает ваш айди, например, для айди 12345
    реферельный код \"?refs=a12345\".
    Это действие применимо ко всем страницам сайта Пампаду.

    ❗️ Обратите внимание

    1) реферальная метка действительна в течение 30 дней с перехода вашего реферала по ссылке, то есть если он зарегистрируется после 30 дней от перехода по вашей ссылке, тогда не будет записан как ваш реферал;
    2) если реферал перешел по вашей ссылке и не завершил регистрацию, а после перешел по чужой реферальной ссылке и завершил регистрацию, он будет записан под другого пользователя;
    3) запрещено приглашаться самого себя или заходить в личный кабинет приглашенного, или с его устройства заходить в свой личный кабинет. В случае нарушения начисление бонуса автоматически прекращается.

    Активно приглашая новых пользователей на Пампаду, не забывайте, что заработок вы получите только с продаж рефералов. И именно продажи рефералов зачитываются в нашей новой непревзойденной акции с призами. В связи с этим рекомендуем делать не холодные рассылки, а также рассказывать про ваш опыт использования платфомы. Ваш положительный опыт заинтересует потенциальных новых пользователей гораздо больше, чем полученное шаблонное сообщение.

    ?     Все пользователи, чьи новоприглашенные рефералы совершат продажи в июне и июле, участвуют в нашей новой акции с множеством призов - подробности здесь.

    \n', 'Инструменты привлечения по реферальной программе', 'Мы сделали доработку, упрощающую вам привлечение новых релевантных пользователей: делитесь своей реферальной ссылкой, ведущей на разные страницы нашего сайта в зависимости от вашей аудитории.', 'publish', 'open', 'open', '', 'instrumenty-privlecheniya-po-referalnoj-programme', '', '', '2023-07-04 12:51:38', '2023-07-04 12:51:38', '', 0, 'https://pampadu.ru/blog/?p=3154', 0, 'post', '', 0), (3155, 1, '2023-07-04 12:46:51', '2023-07-04 12:46:51', '', 'image', '', 'inherit', 'open', 'closed', '', 'image-14', '', '', '2023-07-04 12:46:51', '2023-07-04 12:46:51', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/image.png', 0, 'attachment', 'image/png', 0), (3156, 1, '2023-07-04 12:51:30', '2023-07-04 12:51:30', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-91', '', '', '2023-07-04 12:51:30', '2023-07-04 12:51:30', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-1.png', 0, 'attachment', 'image/png', 0), (3163, 13, '2023-07-05 10:40:48', '2023-07-05 10:40:48', '\n

    Напоминаем, что в вашем арсенале есть виджет по ипотечному страхованию, который можно разместить в соц.сетях или на сайте.

    \n\n\n\n

    Через виджет доступно оформление полиса как онлайн, так и при помощи менеджера.
    Форма офлайн заявки откроется, если по условиям полис не проходит онлайн.

    \n\n\n\n

    Рассказывайте клиентам, что при помощи вашего виджета к оформлению доступны:

    \n\n\n\n

    — страхование жизни, имущества, титула в 10+ страховых компаний;
    — более 80 банков;
    — все объекты залога (квартира, дом, таунхаус, апартаменты, комната);
    — возраст заемщиков от 18 до 75 лет.

    \n\n\n\n

    ✔️ Инструкция по размещению виджета

    \n\n\n\n

    Как работает страхование ипотеки при помощи менеджера по ссылке здесь.

    Хороших продаж!

    \n', 'Виджет ипотечного страхования на Пампаду', 'Виджет ипотечного страхования - доступно оформление полиса как онлайн, так и при помощи менеджера.', 'publish', 'open', 'open', '', 'vidzhet-ipotechnogo-strahovaniya-na-pampadu', '', '', '2023-07-05 10:40:48', '2023-07-05 10:40:48', '', 0, 'https://pampadu.ru/blog/?p=3163', 0, 'post', '', 0), (3164, 1, '2023-07-05 10:40:39', '2023-07-05 10:40:39', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-92', '', '', '2023-07-05 10:40:39', '2023-07-05 10:40:39', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-2.png', 0, 'attachment', 'image/png', 0), (3166, 1, '2023-07-05 12:50:22', '2023-07-05 12:50:22', 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    Сервис партнерских продаж Пампаду обобщил информацию о работе опытных экспертов по недвижимости. Мы выяснили, как показать квартиру на продажу, чтобы она заинтересовала потенциального покупателя.

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    Что нужно знать до показа

    \n\n\n\n

    Риелтор должен быть настроен, прежде всего, на получение обратной связи и работу с возражениями. Поэтому ему следует основательно подготовиться, тщательно изучив объект продажи и окружающую инфраструктуру. Иначе можно потратить время впустую, упустив другого заинтересованного покупателя.

    \n\n\n\n

    Типичная ошибка начинающего риелтора – показ квартиры по первому требованию возможного покупателя. Для начала стоит выявить его приоритеты и пожелания, или, как это называют в маркетинге, «боли». 

    \n\n\n\n

    Выясните у покупателя, чем его привлекла именно эта квартира, место ее расположения, с какой целью и на какие средства он планирует ее приобрести, кто будет там проживать. Получив ответы на эти вопросы, зафиксируйте их и обязательно учитывайте при проведении показа.

    \n\n\n\n

    Открытый показ, на который соберется очередь желающих, – тоже не лучшая идея. Безусловно, риелтору выгоднее показывать квартиру двум и более клиентам. Но не одновременно, а по очереди. Спланируйте встречи таким образом, чтобы клиенты не пересеклись. 

    \n\n\n\n

    Некоторые агенты думают, что, создав ажиотаж вокруг квартиры, получится быстрее ее продать. Но покупка квартиры – это для большинства граждан не сиюминутное желание, а тщательно обдуманное решение. Если квартира понравится клиенту, он и сам будет стремиться ее не упустить. Лучше намекните в разговоре, что время показа ограничено, поскольку скоро прибудет следующий посетитель. 

    \n\n\n\n

    С другой стороны, если покупатель будет чувствовать себя единственным, кто заинтересовался квартирой, он будет долго обдумывать покупку и пытаться снизить цену. Проведите аналитику цен аналогичного по параметрам жилья. Так вы сможете представить потенциальному покупателю сравнительный анализ и выровнять уровень его ожиданий с ситуацией на рынке.

    \n\n\n\n

    Подготовка к показу

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    Отнеситесь к организации показа серьезно, ведь от его проведения зависит возможность заключения сделки. Правильная подготовка и учет психологических особенностей клиента помогут вам в дальнейшем обсуждении покупки.

    \n\n\n\n

    Не стоит пренебрегать такой банальной мерой, как генеральная уборка перед показом. Постарайтесь представить помещение более чистым, светлым и комфортным.

    \n\n\n\n

    Желательно устранить мелкие недочеты ремонта или неисправности техники – заранее обсудите этот вопрос с владельцем квартиры. Даже перегоревшая лампочка может испортить первое впечатление и вызвать сомнения в исправности электропроводки.

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    Еще более эффективно подготовить весь путь клиента к квартире. Приведите подъезд в порядок, вкрутите везде недостающие лампочки, попросите соседей освободить тамбур от ненужных вещей и строительного мусора. Такой подход может показаться затратным, но он срабатывает в большом числе случаев. Грамотная предпродажная подготовка позволяет быстрее реализовать квартиру, покрывая расходы на наведение порядка.

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    Желательно обдумать сценарий показа – вы сможете применять его к разным посетителям объекта, внося только небольшие коррективы. Чтобы спланировать показ объекта, агенту стоит самому предварительно его осмотреть. Невозможно подготовить маршрут, если вы ни разу не были в квартире. Посетите ее и составьте список преимуществ под конкретного клиента. Во всех странах такой просмотр называют брокерским или специальным.

    \n\n\n\n

    Показ квартиры

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    Показ квартиры – это этап работы с покупателем, на котором раскрывается экспертность агента. Опытные риелторы берут на показы специальный реквизит – бахилы, дальномер, фонарик.

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    Реклама и показ квартиры не продажу – это не одно и то же. Агенту недостаточно изучить фото и описание объекта, чтобы показать его грамотно. Безусловно, в личной беседе можно сделать акцент на достоинства ремонта, качественную сантехнику или наличие кожаного дивана. Но эти характеристики важнее для клиента, который ищет жилье для аренды, а не для покупки. Такой показ может, наоборот, испортить все впечатление.

    \n\n\n\n

    Чтобы беседа пошла по вашему сценарию, возьмите инициативу на себя. Акцентируйте внимание на удовлетворении потребностей потенциального покупателя. Наличие пластиковых стеклопакетов, покрытие пола ламинатом или дорогие обои нельзя считать преимуществами квартиры, поскольку клиент может предпочесть сделать ремонт сам. 

    \n\n\n\n

    Лучше расскажите про локацию объекта, возможности организации в квартире рабочего уголка или места для школьника, выгодное зонирование помещений. Поясните, чем эта квартира отличается от других, выставленных на продажу в этом районе.

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    Получение обратной связи

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    После показа ненавязчиво обсудите впечатления, которое произвел объект на посетителя. Если покупатель не настроен на разговор, задавайте наводящие вопросы. Например: 

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    – Вам не понравился объект или это вы не согласны с запрашиваемой ценой?

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    Или

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    – Что Вас не устраивает в этой квартире, что бы Вы хотели изменить?

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    Такие формулировки позволят «вытащить» из клиента возражения. Они могут быть следующими:

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    – Не нравится, что окна выходят на оживленную улицу;

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    – На фото кухня выглядела больше;

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    – Не понравилось состояние санузла.

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    Покупатель вряд ли решится высказать такие замечания собственнику напрямую. Но вы, действуя в качестве риелтора, стремитесь подобрать для него более подходящий объект. Посредством обратной связи вы сможете скорректировать свою работу и выявить истинный запрос покупателя.

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    А узнав типовые возражения нескольких клиентов, вы донесете их до собственника квартиры – он может попытаться их устранить или снизить цену. Всегда перезванивайте посетителям спустя несколько дней после просмотра – они могли попросту потерять ваш номер.

    \n\n\n\n

    Типичные ошибки риелтора при показе

    \n\n\n\n

    1. Не присутствовать на просмотре

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    Некоторые агенты, обсудив показ с обеими сторонами, оставляют собственника наедине с клиентом. Но это халатность и пренебрежение своими обязанностями. Неважно, какую из сторон сделки вы представляете, – ваша помощь может потребоваться в любой момент. Именно для этого вас и наняли.

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    Присутствуя на просмотре, вы сможете вовремя обсудить увиденное с клиентом и понять его истинные потребности. Иначе риелтор может продолжить отрабатывать ложный запрос.

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    Гораздо лучше, когда собственник и вовсе не присутствует на показе. Постарайтесь получить у него ключи и самостоятельно демонстрировать квартиру. Отсутствие владельца при просмотре повышает шансы быстрой продажи жилья.

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    2. Не знать деталей об объекте

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    Покупатель сам может прочитать описание квартиры в объявлении, собственными глазами осмотреть ванную комнату и т.д. Задача эксперта – показать объект так, как не смог бы сделать ни один собственник. Отталкивайтесь от выгод, важных для клиента. Осмотрите недвижимость до показа, чтобы понимать, стоит ли вообще вести туда этого покупателя.

    \n\n\n\n

    Подготовьте лист с распечатанной информацией о планировке и метраже квартиры. Будьте готовы, что покупатель захочет узнать высоту потолков и площадь кухни. Обязательно озвучивайте те достоинства, которые покупатель не может увидеть – например, медную проводку, теплый пол в ванной и пр.

    \n\n\n\n

    3. Скрывать недостатки

    \n\n\n\n

    Излюбленный прием недобросовестных риелторов. Но клиентам не стоит врать и скрывать информацию, которая может их разочаровать, привести к срыву сделки или судебным тяжбам. Конечно, если квартиру топили соседи сверху и на стенах остались подтеки, лучше их закрасить. То же касается и старых, выцветших обоев – замените их, поклеив самые дешевые обои светлого цвета. Благодаря этому помещение будет выглядеть светлым и просторным.

    \n\n\n\n

    При показе вам нужно быть готовым к работе с негативом. Принцип ответа в случае выявления недостатка:

    \n\n\n\n\n\n\n\n

    Например, клиент выявил ржавые подтеки на трубе. Говорите: 

    \n\n\n\n

    – Да, есть такое, владелец заменил трубы на кухне, а до ванной еще руки не дошли.

    \n\n\n\n

    Другой вариант: соглашаетесь с замечанием, хвалите покупателя за то, что он разбирается в теме, и переключаете тему разговора в нужное вам русло. Иногда покупатель хочет показать свою значимость на просмотре и вам стоит подыграть ему.

    \n\n\n\n

    Выявленные недостатки могут оказаться всего лишь предпочтениями клиента, поэтому не стоит бурно реагировать на его замечания.

    \n\n\n\n

    Секреты правильного показа

    \n\n\n\n

    1. «Обезличьте» квартиру

    \n\n\n\n

    Уберите весь зрительный мусор, который может создать неправильное впечатление. Желательно, чтобы жилье выглядело, как чистый лист. Если в квартире в настоящее время проживают, попросите жильцов спрятать семейные фотографии, разбросанные игрушки, верхнюю одежду и обувь, убрать сохнущее белье, продукты, кошачий лоток. Покупатель примеряет жилище под себя, а свидетельства чужого быта могут подсознательно вызвать у него отторжение, которое перенесется на квартиру в целом.

    \n\n\n\n

    2. Дайте покупателю почувствовать себя хозяином

    \n\n\n\n

    Еще один выигрышный прием при просмотре. Лучше встретить потенциального покупателя не возле подъезда, а у ближайшего супермаркета или остановки, и пройти с ним вместе путь к дому. По дороге вы сможете рассказать ему об инфраструктуре района, учреждениях, расположенных поблизости. Затем подымитесь вместе на этаж, передайте ключи от квартиры клиенту и позвольте ему лично открыть двери. Так он сможет уже представить себя хозяином жилья.

    \n\n\n\n

    Не ходите все время за клиентом по пятам, назойливо рассказывая о преимуществах. После окончания вашей презентации пустите его в «свободное плавание», чтобы она сам мог повторно посетить те пространства, которые его заинтересовали больше всего. Пусть ваш клиент сконцентрируется на своих ощущениях и эмоциях, почувствует, комфортно ли ему в квартире, хочет ли он в ней остаться.

    \n\n\n\n

    3. Выбирайте время для показа 

    \n\n\n\n

    Опытные риелторы знают, что хорошо показывать квартиру в темное время суток, особенно, если за окном нет ничего интересного. И наоборот, вымытые стекла с чистыми занавесками подчеркнут в дневное время приятный вид за окном.

    \n\n\n\n

    В темное время суток можно использовать известный прием с лампочками большой мощности, которые дают более яркий свет. При таком освещении жилье будет выглядеть более привлекательным. Если же в подъезде по вечерам регулярно собираются отдыхающие с алкоголем компании, постарайтесь не приводить клиентов в вечернее время.

    \n\n\n\n

    Кроме времени суток стоит учитывать погоду. Недвижимость на теневой стороне лучше показывать в солнечную погоду, а если на улице идет дождь, стоит перенести встречу на другой день.

    \n\n\n\n

    4. Работайте по потребностям, а не по заявкам

    \n\n\n\n

    Как ни странно, покупатель может сам не знать своих истинных потребностей. Например, его запрос может быть о покупке квартиры в определенном районе, но в итоге он покупает объект, расположенный совсем в другом месте. Именно в этом заключается помощь агента в подборе недвижимости – для эксперимента предложите посмотреть вариант с иными характеристиками и изучите реакцию клиента. В процессе поисков он может понять, какая именно квартира лучше всего соответствует его возможностям и потребностям.

    \n\n\n\n

    Выбирайте преимущества объекта, актуальные для покупателя:

    \n\n\n\n\n\n\n\n

    Потребности – это не ответ на вопрос «Что нужно купить?», это ответ на вопрос «Почему именно это нужно купить?». Узнав нужду клиента, вы сможете предложить ее решение.

    \n\n\n\n

    Хотите получать на риелторства больше денег?

    \n\n\n\n

    Тогда начните сотрудничать с сервисом партнерских продаж Пампаду! Совмещая риелторскую деятельность с участием в нашей партнерской программе, можно увеличить свой заработок в 2-3 раза.

    \n\n\n\n
    \"\"
    \n\n\n\n

    После регистрации на нашей площадке вы попадете в личный кабинет, в котором увидите все офферы, доступные для сотрудничества. Например, можно предложить клиентам застраховать ипотечное жилье и получить комиссионное вознаграждение на продаже полиса.

    \n\n\n\n

    Страховые офферы Пампаду открывают новые перспективы для риелторских агентств и ИП. Мы сотрудничаем с ведущими страховыми компаниями, банками и крупнейшими рекламодателями. Выполнять целевые действия и получать за них комиссионные выплаты сможет каждый, независимо от имеющегося опыта!

    \n', 'Как риэлтору показать квартиру на продажу', 'Расскажем вам о том, как показать квартиру потенциальному клиенту так, чтобы заинтересовать его в покупке. Рассматриваем нюансы предпродажной подготовки объектов.', 'publish', 'open', 'open', '', 'kak-rieltoru-pokazat-kvartiru-na-prodazhu', '', '', '2023-07-05 16:25:16', '2023-07-05 16:25:16', '', 0, 'https://pampadu.ru/blog/?p=3192', 0, 'post', '', 0), (3193, 1, '2023-07-05 16:23:12', '2023-07-05 16:23:12', '', '1030х502-1 (6)', '', 'inherit', 'open', 'closed', '', '1030h502-1-6-2', '', '', '2023-07-05 16:23:12', '2023-07-05 16:23:12', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-1-6.jpg', 0, 'attachment', 'image/jpeg', 0), (3195, 13, '2023-07-06 10:00:06', '2023-07-06 10:00:06', '\n

    ⚡ В команду страховых продуктов ищем системного аналитика, который будет заниматься подготовкой к запуску новых продуктов и поддержкой текущих (ОСАГО и Ипотека)

    \n\n\n\n

    Если у тебя есть опыт работы с интеграциями по этим продуктам, то это будет большим преимуществом. Возможна как удаленная работа, так и гибридный формат в офисе Москва-Сити.

    \n\n\n\n

    ?Если у вас аналитический склад ума, вы внимательны и усидчивы, а условия вакансии подходящие ➡ откликайтесь.

    \n\n\n\n

    и мы с удовольствием пообщаемся.

    \n\n\n\n

    ?PS. Поделитесь с коллегами и друзьями, если знаете, что им будет интересна эта вакансия, ведь мы готовы заплатить 30 тыс. руб. тому, кто посоветует подходящего кандидата, который к нам присоединится и пройдет испытательный срок.

    \n', 'Открытая вакансия в Пампаду', 'В команду страховых продуктов ищем системного аналитика!', 'publish', 'open', 'open', '', 'otkrytaya-vakansiya-v-pampadu-2', '', '', '2023-07-06 10:00:06', '2023-07-06 10:00:06', '', 0, 'https://pampadu.ru/blog/?p=3195', 0, 'post', '', 0), (3196, 1, '2023-07-06 09:59:47', '2023-07-06 09:59:47', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-24', '', '', '2023-07-06 09:59:47', '2023-07-06 09:59:47', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-1-1.png', 0, 'attachment', 'image/png', 0), (3198, 13, '2023-07-06 12:21:39', '2023-07-06 12:21:39', '\n

    ? Пришло время подвести итоги розыгрыша «Теплое лето на Пампаду»
    Весь июнь агенты продавали больше, чем в мае и мечтали получить дополнительные бонусы на счет в личном кабинете и ценные призы от Пампаду!

    \n\n\n\n

    По продукту ОСАГО - начислили бонусы за активность 955 агентам.
    По ипотечному страхованию начислили бонусы агентам, а также крутые смартфоны, совсем скоро будут в руках своих победителей:
    1 место id 52532 — смартфон Xiaomi ;
    2 место id 100710 — смартфон Honor;
    3 место id 54230 — смартфон Meizu.

    \n\n\n\n

    ?Общий призовой фонд по двум продуктам составил более 500.000 рублей!
    Победители получат письма на e-mail, а деньги уже зачислены и доступны для вывода!
    Спасибо всем за участие!

    \n\n\n\n

    ⚡️ Если в этот раз вам не повезло, не расстраивайтесь, ведь именно сейчас у нас проходит мега масштабная акция: «Вселенная подарков на Пампаду»
    В розыгрыше участвуют страховые, банковские продукты и пользователи реферальной программы.
    Море подарков и высокие шансы на победу!

    \n\n\n\n

    Благодарим за вашу активность!
    С любовью к своему делу,
    Команда Пампаду

    \n', 'Объявляем итоги акции: «Теплое лето на Пампаду»', 'Весь июнь агенты продавали больше, чем в мае и мечтали получить дополнительные бонусы на счет в личном кабинете и ценные призы от Пампаду! Результаты уже внутри статьи.', 'publish', 'open', 'open', '', 'obyavlyaem-itogi-aktsii-teploe-leto-na-pampadu', '', '', '2023-07-06 12:21:39', '2023-07-06 12:21:39', '', 0, 'https://pampadu.ru/blog/?p=3198', 0, 'post', '', 0), (3199, 1, '2023-07-06 12:21:02', '2023-07-06 12:21:02', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-93', '', '', '2023-07-06 12:21:02', '2023-07-06 12:21:02', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-3.png', 0, 'attachment', 'image/png', 0), (3201, 13, '2023-07-07 09:16:05', '2023-07-07 09:16:05', '\n

    Напоминаем, зарабатывать на Пампаду вы можете даже со смартфона, ведь у нас есть приложение!

    \n\n\n\n

    ❗️ Установите обновление:

    \n\n\n\n

    Теперь ссылки на внешние страницы открываются в браузере телефона.

    \n\n\n\n

    Это нововведение значительно сократит количество потерявшихся заявок по финансовым продуктам и найму персонала. Также поправили скачивание полисов.

    \n\n\n\n

    Если вы еще не пробовали пользоваться приложением, скачать его можно по ссылке ЗДЕСЬ.
    (откроется магазин приложений в зависимости от вашего устройства)

    \n\n\n\n

    ? Как всегда, ждем ваши положительные отзывы.
    Ваши пожелания и замечания ждем в чате поддержки.

    \n\n\n\n

    С заботой о вас,
    команда Пампаду

    \n', '?Пампаду в твоем смартфоне', 'Зарабатывать на Пампаду вы можете даже со смартфона, ведь у нас есть приложение!', 'publish', 'open', 'open', '', 'pampadu-v-tvoem-smartfone-2', '', '', '2023-07-07 09:16:05', '2023-07-07 09:16:05', '', 0, 'https://pampadu.ru/blog/?p=3201', 0, 'post', '', 0), (3202, 1, '2023-07-07 09:15:53', '2023-07-07 09:15:53', '', '1080х1080 (1)', '', 'inherit', 'open', 'closed', '', '1080h1080-1-2', '', '', '2023-07-07 09:15:53', '2023-07-07 09:15:53', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1080h1080-1.jpg', 0, 'attachment', 'image/jpeg', 0), (3203, 1, '2023-07-07 09:15:57', '2023-07-07 09:15:57', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-94', '', '', '2023-07-07 09:15:57', '2023-07-07 09:15:57', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502.jpg', 0, 'attachment', 'image/jpeg', 0), (3205, 13, '2023-07-11 09:09:11', '2023-07-11 09:09:11', '\n

    ✏️ Сегодня техподдержка есть у большинства компаний, но решает ли она вопросы партнеров?

    \n\n\n\n

    ?На Пампаду техническая поддержка - это центр связи, куда обращаются пользователи, чтобы решить рабочие задачи.

    \n\n\n\n

    Например: Агент оформил полис, после чего банк перенес дату сделки, но агенту было важно провести сделку в оговоренные сроки с клиентом.
    Партнер обратился в чат поддержки, мы оперативно внесли изменения и поменяли дату сделки. Сделка успешно была реализована, клиент доволен, а агент получил материальное вознаграждение и спал спокойно.

    \n\n\n\n

    ? При помощи технической поддержки можно решить проблемы:

    \n\n\n\n

    — Корректировка данные заемщика ФИО;
    — Корректировка заемщика в дате рождения;
    — Корректировка паспортных данных;
    — Корректировки в адресе заемщика;
    — Дата начала страхования;
    — Остаток по кредиту;
    — Корректировки об объекте;
    — Корректировка данных о кредитном договоре.

    Срок внесения минимальные 1-2 рабочих дня, если дополнительное соглашение требует согласования Андеррайтинга, то срок может увеличиться до 3х дней.

    \n\n\n\n

    Партнеры, если у вас возникла какая-то из выше перечисленных проблем, то обращайтесь в техническую поддержку Пампаду и будьте уверенными в том, что сделка пройдет успешно, а денежные средства моментально поступят на счет.

    \n\n\n\n

    С заботой о вас, команда Пампаду.

    \n', 'Внесение изменений в полис по ипотеке через поддержку Пампаду', 'На Пампаду техническая поддержка - это центр связи, куда обращаются пользователи, чтобы решить рабочие задачи. \nКакие проблемы решает тех. поддержка смотри в статье внутри.', 'publish', 'open', 'open', '', 'vnesenie-izmenenij-v-polis-po-ipoteke-cherez-podderzhku-pampadu', '', '', '2023-07-11 09:09:11', '2023-07-11 09:09:11', '', 0, 'https://pampadu.ru/blog/?p=3205', 0, 'post', '', 0), (3206, 1, '2023-07-11 09:07:36', '2023-07-11 09:07:36', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-95', '', '', '2023-07-11 09:07:36', '2023-07-11 09:07:36', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-4.png', 0, 'attachment', 'image/png', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3208, 13, '2023-07-12 10:13:32', '2023-07-12 10:13:32', '\n

    Привлекай веб-мастеров на Пампаду с помощью своей реферальной ссылки и зарабатывай пассивно 5% с каждой продажи!
    Сколько можно заработать?
    Зарабатывайте пассивно до 380 р. с каждой продажи вашим рефералом в категории Кредитные карты и до 1000 р. с каждой продажи в категории Кредиты и МФО.

    \n\n\n\n

    ?В среднем один веб-мастер в месяц делает 100 продаж, ваш потенциальный доход от одного такого активного реферала может составить от 20 000 до 38 000 р. для категории Кредитные карты. и до 100 000 р. в категории Кредиты и МФО.

    \n\n\n\n

    Где искать рефералов?
    — Группы ВК по тематике арбитража и СРА;
    — Форумы для арбитражников и маркетологов;
    — Специализированные ресурсы;
    — Чаты телеграм;
    и т.д.

    \n\n\n\n

    ? Как привлечь реферала?

    Просто скопируйте свою реферальную ссылку и отправьте ее потенциально заинтересованному пользователю в ЛС или разместите публикацию со своей ссылкой в канале ТГ/группе ВК/комментариях/на форуме.
    После регистрации реферала вы увидите его в списке своих рефералов. После того, как реферал совершит продажу, деньги поступят на ваш счет в личном кабинете.

    Полные условия смотрите в разделе ПОМОЩЬ.

    \n\n\n\n

    ? Напоминаем, что продажи рефералов зачитываются в нашей новой акции: «Вселенная подарков на Пампаду» у вас есть возможность выиграть крутые подарки.
    Переходите по ссылке, выбирайте призы прямо сейчас и начинайте бороться за них!

    \n', 'Реферальная программа для веб-мастеров', 'Привлекай веб-мастеров на Пампаду с помощью своей реферальной ссылки и зарабатывай пассивно 5% с каждой продажи!', 'publish', 'open', 'open', '', 'referalnaya-programma-dlya-veb-masterov', '', '', '2023-07-12 10:13:32', '2023-07-12 10:13:32', '', 0, 'https://pampadu.ru/blog/?p=3208', 0, 'post', '', 0), (3209, 1, '2023-07-12 10:13:25', '2023-07-12 10:13:25', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-25', '', '', '2023-07-12 10:13:25', '2023-07-12 10:13:25', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-1-2.png', 0, 'attachment', 'image/png', 0), (3211, 13, '2023-07-12 12:34:40', '2023-07-12 12:34:40', '\n

    ?Подводим итоги офлайн продуктов за июнь:

    \n\n\n\n

    — По КАСКО агенты заработали - 745 074 руб.
    Самое высокое КВ за 1 полис - 37 845 руб.

    \n\n\n\n

    Напоминаем, оформление КАСКО вы можете предложить каждому вашему клиенту по ОСАГО!
    Расчет происходит через менеджера, оставьте заявку на сайте.

    \n\n\n\n

    — По офлайн ипотеке - 907 304 руб.
    Самое высокое КВ за 1 полис - 35 591 руб.

    \n\n\n\n

    Страхуем любую ипотеку, более 80 банков, ознакомиться подробнее с условиями можно в разделе ПОМОЩЬ

    \n\n\n\n

    \"?\"КАСКО и офлайн ипотека также участвуют в новой акции поэтому продавайте больше и увеличивайте шанс выиграть лучший приз!

    \n\n\n\n

    Хороших продаж,
    команда Пампаду

    \n', 'Итоги офлайн продуктов за июнь', 'Подводим итоги июня по офлайн продуктам Пампаду', 'publish', 'open', 'open', '', 'itogi-oflajn-produktov-za-iyun', '', '', '2023-07-12 12:34:40', '2023-07-12 12:34:40', '', 0, 'https://pampadu.ru/blog/?p=3211', 0, 'post', '', 0), (3212, 1, '2023-07-12 12:34:16', '2023-07-12 12:34:16', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-96', '', '', '2023-07-12 12:34:16', '2023-07-12 12:34:16', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-5.png', 0, 'attachment', 'image/png', 0), (3215, 13, '2023-07-12 12:48:22', '2023-07-12 12:48:22', '\n

    Сервис Пампаду предлагает зарегистрированным агентам возможности для получения дохода. Для заработка нужно не только применять эффективные стратегии продвижения, но и знать, как бороться с шейвом. Больше узнать можно ниже. 

    \n\n\n\n

    Шейв: что это? 

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    Шейв это обман вебмастера партнеркой либо реклом. Выделяют такие методы шейва: 

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    1. Обработка лидов, которые получены, без регистрации. Такое бывает, если было совершено целевое действие, но это не повлияло на статистику. При этом реклу достается клиент, который принесет доход. 
    2. Отклонение конверсий. Реклу достаточно заявить, что человек не исполнил целевое действие, для отклонения конверсии. 
    3. Обвинение во фроде. 50% лидов (а то и больше) занимающаяся шейвом партнерка отклоняет. Менеджер при этом говорит, что трафик был отнесен к фроду. 
    4. Обвинение в несоответствии трафика действующим требованиям. К примеру, если речь об инсталляции софта на смартфон, вебмастера обвиняют в том, что установки были выполнены из «неправильной» геолокации. 
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    Кто шейвит в арбитраже

    \n\n\n\n

    Шейвингом занимаются: 

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    1. Начинающие фирмы, решившие быстро получить много клиентов. Подобные компании создают партнерки только для заработка. Им не важны репутация, вебмастеры. Арбитражники доверяют их партнерских программам и быстро заливают трафик. Однако вознаграждений за это вебмастеры не получают. 
    2. CPA-сети, заботящиеся о чистой прибыли. Это могут быть жадность либо вынужденные обстоятельства. К примеру, когда работа компании под угрозой, остается идти на мошенничество. 
    3. Реклы, которые обманывают партнерскую сеть и вебмастеров. Какие-то из реклов стремятся к экономии, получению большей прибыли. Другие рекламодатели шейвят, так как неопытны, невнимательны. Если фирма работает недавно, то менеджеры могут ошибочно не зарегистрировать в СРМ заявки, не выйти на связь с клиентом. 
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    Стоит ли бояться шейва

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    Сообщество вебмастеров характеризуется тесным общением арбитражников друг с другом. По этой причине откровенный шейв невозможен. Об обмане узнают сразу же. Опасаться шейва не стоит, отслеживая текущую ситуацию в своем сегменте. Применяйте информационные сайты, паблики в социальных сетях, каналы в мессенджерах для отслеживания шейва. Если появляется партнерская программа, которая пытается шейвить вебмастеров, об этом быстро узнают и другие арбитражники. Изучайте отзывы о предложениях реклов, не доверяйте чересчур выгодным офферам от новых фирм, соблюдайте осторожность. Все это позволит избежать шейва. 

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    Как распознать обман? 

    \n\n\n\n

    Шейв убыточен, потому необходимо позаботиться о предотвращении мошенничества со стороны партнерки. Сначала необходимо осознать, что вас шейвят. Выделяют такие признаки шейва: 

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    1. Резкое снижение апрува. Это заметно сразу. Если несколько месяцев апрув был 90%, а затем внезапно снизился до 40%, это повод задуматься. Уменьшение апрува – не всегда вина партнерки. Снижение наблюдается при неудачных изменениях настроек таргетинга, смене креативов. Однако снижение апрува – косвенный признак шейва, который должен побудить арбитражника лучше изучить предложение. 
    2. Снижение показателей предложения. Одни и те же предложения запускают в различных партнерских сетях для охвата максимального количества арбитражников. При резком снижении конверсии предложения и иных значимых характеристик попробуйте сравнить их со статистическими данными партнерки в иных сетях. Если в одной сети все нормально, а в другой замечен резкий спад, это указывает на то, что одна из партнерских сетей осуществляет шейв. 
    3. Различие статистической информации в партнерской сети и источнике. Этот способ выявления шейва доступен тем вебмастерам, которые применяют сторонние сервисы для работы. В качестве примера можно привести трекеры. Если в трекере одни статистические показатели, а в партнерской сети абсолютно другие, это указывает на шейв. 
    4. Уменьшение качества трафика. Выявить шейв так возможно лишь при заливе трафика через свои платформы. Допустим, у вебмастера имеется свой сайт, где он опубликовал баннерную рекламу. При этом каждый день было около 500 переходов, 10 конверсий. Если число переходов не поменялось, а конверсия ухудшилась – это повод задуматься. 
    \n\n\n\n

    Как распознать шейв до начала работы с партнерской программой? 

    \n\n\n\n

    Вебмастеру перед сотрудничеством с партнеркой  стоит изучить отзывы, поинтересоваться у других арбитражников, не шейвит ли она. Поищите форумы, чаты, группы арбитражников, найдите информацию о подозрительном предложении в Сети. Создайте тему либо обсуждение в социальных сетях, чтобы узнать об опыте сотрудничества с партнеркой от иных вебмастеров. 

    \n\n\n\n

    Выделяют такие признаки шейва со стороны рекла: 

    \n\n\n\n
    1. Маленький апрув. Невысокий апрув типичен для определенных предложений, однако для большей части офферов это ненормальное явление. Нормальный апрув равен примерно 85%. Если он меньше 50%, это уже указывает на шейв. Примите во внимание особенности товара, который продвигаете. Вероятно, из-за его специфических особенностей такие показатели нормальны. 
    2. Двойной редирект. Реклы срезают гео, регистрируют лиды с меткой «Не подходит по географии». Перед тем, как работать с партнеркой, перейдите на ленд, посмотрите, какой у него редирект. Если применяется двойной редирект, лучше не сотрудничать с реклом. 
    3. Незачет лида при оформлении тестового заказа вебмастером. Это самый очевидный способ проверки рекламодателя. Такой вариант оптимален, когда нужно заливать большое количество трафика. 
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    Сookie stuffing в арбитраже

    \n\n\n\n

    Cookie stuffing – это замена куки на другие. Иначе говоря, ваши данные в Сети меняют на куки другого пользователя. В результате этого лид достается другому юзеру. Cookies необходимы для того, чтобы хранить информацию о посетителях сайта. Их применяют для показа контекста, отметки юзеров, приведенных на платформу вебмастером. 

    \n\n\n\n

    Для перехвата куки мошенники применяют тег iframe либо img. Они служат для открытия одной страницы внутри другой. Перейдя на страницу, вы не заметите, как запустите еще 20 сайтов с реферальной ссылкой злоумышленников. Выходит, что все следующие покупки, которые будут совершены, засчитаются мошенникам в качестве лидов. Следите за тем, что загружаете из Сети, чтобы избежать cookie stuffing. 

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    Схемы обмана

    \n\n\n\n

    Выделяют 3 популярных схемы обмана. 

    \n\n\n\n

    «Ленивая» схема

    \n\n\n\n

    Это простейший пример, который не используют опытные мошенники. Однако новички применяют его. Суть заключается в том, чтобы относить все нормальные лиды к трешу либо отменять. После отклонения лид перебивают вручную, чтобы отправить реклу, но уже без реферальной ссылки вебмастера. 

    \n\n\n\n

    Схема «второй дубль»

    \n\n\n\n

    Это хитрый способ обмана. Не каждый отмененный лид является бесполезным. К примеру, в правилах партнерки может быть указано, что человек должен указать телефонный номер и после обратного звонка подтвердить покупку. 

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    Допустим, юзер оформил заявку, однако неправильно указал одну цифру в телефоне. Конверсия будет засчитана, оператор позвонит, однако дозвониться у него не получится. Лид будет отклонен из-за неверного номера. Самые хитрые злоумышленники используют подобные лиды, выжимая максимум из трафика. 

    \n\n\n\n

    Автоматизированная схема

    \n\n\n\n

    Некоторые рекламодатели дополняют ленд скриптом, который каждый определенный заказ заставляет обходить реферальную ссылку и идти на их счет. Количество «срезанных» заказов зависимо от наглости рекла. 

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    Как арбитражнику бороться с шейвом? 

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    Предотвращение шейва – важный этап в работе вебмастера. При появлении подозрительной отмены не поленитесь перезвонить. К примеру, работая со своим гео, можете выполнять отслеживание лидов, отмененных без значимых причин. Звонок потратит всего минуту времени, но поможет возвратить лид либо выявить мошенника. Если лень самому совершать звонки, прибегните к услугам фрилансеров, которые станут делать это за 400-600 руб. в сутки. 

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    Прямой залив на ссылки, которые предоставила партнерка – плохая идея. Потратьте деньги на приобретение хостинга. Выполните настройку данных по API с подстройкой логгирования для себя. Это обеспечит защиту от шейва, установку необходимой метрики. 

    \n\n\n\n

    Проверяйте лиды, которые были отменены. Если в комментариях к отмене присутствует реальный текст, который объясняет отказ, а также указан телефонный номер – докопаться не к чему. Если все чересчур гладко и нереалистично, делайте выводы сами. 

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    Оптимальный вариант – использование собственных посадочных страниц. Свой ленд обеспечивает много плюсов. Он позволяет избежать шейв-кода, протестировать различные креативы и подходы, пообщаться с пользователями напрямую. 

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    Тестовый лид – обязателен. Можете оформить заказ на имя члена семьи либо знакомого для проверки того, какой товар присылает рекл, как быстро происходит зачет лида. Также можно узнать, учитывается ли лид вообще. 

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    О сервисе 

    \n\n\n\n

    Платформа Пампаду гарантирует арбитражникам отсутствие шейва. Кроме того, на сайте размещены офферы только надежных реклов, которые не шейвят трафик. Это позволяет агентам неплохо зарабатывать на продвижении финансовых, страховых, кадровых офферов. К прочим плюсам Pampadu относят: 

    \n\n\n\n
    \"\"
    \n\n\n\n\n\n\n\n

    Сотрудничать с сервисом Пампаду можно после регистрации на платформе.

    \n', 'Шейв в арбитраже трафика: что это и как распознать', 'Арбитражники могут встречаться с разными сложностями, начиная с запрета конкретных источников трафика и заканчивая модерацией в соцсетях. Шейв это одна из значительных проблем.', 'publish', 'open', 'open', '', 'shejv-v-arbitrazhe-trafika-chto-eto-i-kak-raspoznat', '', '', '2023-07-12 12:48:22', '2023-07-12 12:48:22', '', 0, 'https://pampadu.ru/blog/?p=3215', 0, 'post', '', 0), (3216, 1, '2023-07-12 12:44:54', '2023-07-12 12:44:54', '', '1030х502-1 (7)', '', 'inherit', 'open', 'closed', '', '1030h502-1-7-2', '', '', '2023-07-12 12:44:54', '2023-07-12 12:44:54', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-1-7.jpg', 0, 'attachment', 'image/jpeg', 0), (3218, 13, '2023-07-12 13:01:12', '2023-07-12 13:01:12', '\n

    Партизанский маркетинг (с анг. guerrilla marketing) – это малобюджетная стратегия, которая позволяет малому бизнесу или стартапам привлечь внимание клиентов с минимальными вложениями. В отличие от традиционного маркетинга, который требует значительных финансов, партизанский маркетинг базируются на креативности, нестандартных подходах, использовании доступных маркетинговых инструментов.

    \n\n\n\n

    Партизанский маркетинг направлен на создание неожиданных и запоминающихся акций или рекламных сообщений. Он привлекают ЦА нестандартными средствами и методами, используя бюджетные инструменты. Часть из них представлена на сервисе Пампаду и будет популярна, как у SMM-маркетологов, так и у вебмастеров.

    \n\n\n\n

    Партизанский маркетинг – это не только рабочая стратегия, но и способ проявить креативность. Он позволяет малому бизнесу превратить минимальные ресурсы в преимущество, конкурируя с крупными компаниями. 

    \n\n\n\n

    Особенности ПМ

    \n\n\n\n

    Партизанский маркетинг – это нестандартный подход к продвижению товаров или услуг, который базируется на креативе и балансе на грани. То есть предоставляемый владельцем бизнеса контент или реклама провоцирует у целевой аудитории интерес и даже шок, при этом, не выходя за тонкие грани приличия.

    \n\n\n\n

    Еще одной особенностью ПМ является нативность. В маркетинге это означает, что воздействие на аудиторию происходит настолько естественно, что ее члены даже не понимают, что имеют дело с маркетинговым инструментом.

    \n\n\n\n

    Постоянная смена методов партизанского маркетинга и техника скрытого убеждения плавно подводят будущего пользователя к решению, выгодному для предпринимателя. Реализация невозможна без скрупулезного изучения ЦА, ее интересов, потребностей, поведения.

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    Преимущества ПМ:

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    Партизанский маркетинг предъявляет минимальные требования к компетенции профессиональных маркетологов. Создавать оригинальный контент может даже далекий от сферы маркетинга человек. ПМ помогает установить личный контакт с ЦА, что повышает вероятность продаж.

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    К минусам относится:

    \n\n\n\n\n\n\n\n

    Партизанский маркетинг предлагает нестандартные подходы к продвижению товаров или услуг, привлекая потребителей и выделяясь на фоне конкурентов.

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    Разновидности и примеры партизанского маркетинга

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    Методы постоянно эволюционируют, пополняясь новыми идеями. 

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    Вирусный контент (viral content)

    \n\n\n\n

    Вирусный партизанский маркетинг – быстрое распространение информации через соцсети или другие онлайн-ресурсы. Цель – вызвать эмоциональную реакцию у пользователей, заставив делиться материалом.

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    Это могут быть смешные или необычные видеоролики, фотографии или тексты, которые становятся популярными в сети благодаря активному распространению пользователей. Такой контент может быть создан как компаниями для продвижения продукции, так и пользователями, желающими увеличить свой рейтинг в сети или привлечь внимание к какой-то теме.

    \n\n\n\n

    Примером партизанского маркетинга этого типа является клип Gangnam Style южнокорейского певца Psy, ставший глобальным хитом благодаря заразительной мелодии и забавным танцевальным движениям. Ролик быстро набрал миллионы просмотров, став самым популярным видео на YouTube, что привело к увеличению популярности исполнителя.

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    Успех вирусного контента сложно предсказать. Иногда даже тщательно продуманный viral content не получает должного внимания пользователей, а оригинальные непредсказуемые видео становятся вирусными даже без участия автора. 

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    Вирусный контент – мощный инструмент продвижения бренда, поскольку способен быстро распространяться, охватывая объемную аудиторию. Однако для реализации подобной стратегии необходимо тщательно изучить ЦА и создать содержание, которое заинтересует пользователей.

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    Сарафанное радио

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    Метод схож с рекомендациями, так как основывается на устной передаче информации о продукте от одного человека к другому.

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    Цель заключается в том, чтобы создать положительную ассоциацию с продуктом, подтолкнув людей к приобретению. Важно, чтобы рекомендация была естественной, поэтому компании часто привлекают влиятельных блогеров или знаменитостей для продвижения товаров. Так, фитнес- блогер невзначай может рассказать о спортивном питании, несколько раз упомянув бренд и продемонстрировав результаты, полученные благодаря употреблению этого продукта.

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    Еще одна форма сарафанного радио – отзывы клиентов. Когда люди убедительно делятся положительным опытом использования продукта или услуги, отзыв становится рекламным инструментом. Данный вид партизанского маркетинга нередко использует малый бизнес.

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    Рекомендации и сарафанное радио – действенные методы ПМ, потому что они строятся на личной коммуникации и доверии. 

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    Эпатаж

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    Цель эпатажа – привлечение внимания и вызов неоднозначной реакции, например, настороженности. В отличие от других форм партизанского маркетинга, эпатаж стремится создать контрастное впечатление о бренде или компании.

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    Базовым инструментом эпатажа является использование нестандартных, вызывающих реакцию приемов. Например, провокационных рекламных кампаний, фасадов зданий с яркой визуализацией, шокирующих уличных акций.

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    Примером эпатажа в ПМ может служить «Benetton». Компания известна провокационными рекламами, которые часто вызывают общественную дискуссию. Однако эпатажный маркетинг не всегда приносит результат. У части потребителей, не приемлющих провокации, он вызывает негативную реакцию. Поэтому так важно подробное изучение ЦА.

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    Нативная реклама 

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    Скрытый маркетинг базируется на интеграции рекламного материала в контент, который кажется органичным.

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    Базовая цель нативной рекламы – создать такое объединение с содержанием, что скрытый маркетинг становится неотличим от остального контента на сайте или платформе. В результате потребители не осознают присутствия рекламы и более благосклонно относятся к сообщению.

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    Пример использования нативной рекламы – кампания Nike. Бренд выпустил видео о баскетболисте, совершающем невероятные трюки в кроссовках Найк. Видео стало вирусным, получив миллионы просмотров, несмотря на то что, по сути, являлось скрытой рекламой Nike.

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    Нативная реклама способна вызвать недоверие у пользователей в случае осознания ее природы. Потому важно соблюдать честность при использовании этого метода. Отметки «спонсорский контент» или «реклама» уведомят пользователей в том, что ролик является рекламным материалом.

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    Life Placement (LP)

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    Life Placement - это метод, базирующийся на интеграции рекламных сообщений в повседневные жизненные ситуации людей. В отличие от традиционной рекламы, где сообщение представлено в форме баннера или объявления, Life Placement стремится скрыто влиять на потребителя через его привычные действия и окружение.

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    Пример Life Placement – размещение продукции или бренда в кинофильмах. Когда герой пьет определенный напиток, ездит на конкретной машине или пользуется мобильными устройствами одного бренда. Яркий пример в российском кинематографе – это франшиза «Елки», где отметился Сбербанк, РЖД, авиакомпания «Сибирь», сеть «Перекресток» и еще многие другие российские компании.

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    Еще один вид Life Placement – спонсорство мероприятий. Бренд может поддерживать концерты, фестивали или спортивные события, где его логотип или название будут видны посетителям. Метод позволяет создать благоприятное впечатление о компании и ассоциировать ее с позитивом.

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    Life Placement требует тонкого баланса между рекламой и натуральностью. Если рекламное сообщение становится слишком очевидным или навязчивым, оно может вызвать отторжение у потребителей. Поэтому, при использовании Life Placement учитывают предпочтения или интересы целевой аудитории.

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    Ambient Marketing (AM)

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    Ambient Marketing – это использование оригинальных методов для привлечения внимания аудитории. Этот подход заключается в размещении рекламы в местах повседневной активности людей (асфальт, светофоры, стены, деревья).

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    Целью Ambient Marketing является создание эффекта неожиданности для запоминания потребителем бренда или инфо-сообщения. Пример АМ-маркетинга – пешеходный переход в виде картошки фри из Макдональдса, верхние поручни в общественном транспорте в виде наручных часов, киоск по продаже железнодорожных билетов, в виде чемодана.

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    Существует несколько видов Ambient Marketing:

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    Коллаборации

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    Коллаборации представляют собой вид сотрудничества между брендами или компаниями, которое позволяет взаимно улучшить репутацию или расширить аудиторию.

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    Одним из примеров коллаборации является сотрудничество между Adidas и Kanye West. Результатом стало создание культовой линейки обуви – Yeezy Boost и привлечение к бренду музыкальных поклонников репера.

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    Другой пример коллаборации – сотрудничество компаний Apple и Nike. Они создали серию специальных часов – Apple Watch Nike+, которые предназначены для спортсменов и поклонников активного образа жизни. 

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    Коллаборации также могут быть инструментами внедрения новых технологий или разработки продуктов. Например, компания Space X сотрудничает с NASA в рамках разработок и испытания космических ракет. Такая коллаборации позволяет обеим организациям экономить ресурсы и достигать поставленных целей быстрее.

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    Способы 

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    Способы применения партизанского маркетинга направлены на привлечение внимания целевой аудитории без использования традиционных рекламных каналов.

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    Также есть масса других способов, таких как использование стрит-арт-инсталляций, проведение флешмобов или организация необычных презентаций товаров. 

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    Партизанский маркетинг на Пампаду

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    Виджеты, витрины, реферальные ссылки на платформе Пампаду используют веб-мастера, блогеры и SMM маркетологи в качестве элементов партизанского маркетинга. С их помощью можно настроить рекламную кампанию, а также дополнительно получать доход.

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    О сервисе 

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    Пампаду позволяет оперативно зарабатывать на реализации финансовых и страховых продуктов. Преимущества:

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    \"\"
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    На Пампаду успешно работают как профессионалы с опытом работы агентом от 5 лет, так и недавно пришедшие сюда новички. Интуитивно-понятный интерфейс и отзывчивая служба поддержки значительно упрощают работу.

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    Платформа Пампаду предлагает арбитражникам возможности для заработка. Сотрудничество с рекламодателями – основная «статья» дохода пользователей Pampadu. Один из способов продвижения офферов реклов – это email рассылка арбитраж. Узнать больше можно далее. 

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    Что такое Email рассылка

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    Email рассылка в арбитраже трафика представляет собой отправку писем юзерам, которые составляют целевую аудиторию рекла. Инструмент давно применяют в маркетинге для налаживания прямой связи с клиентами. Однако, если неправильно использовать рассылку, она станет отталкивать пользователей. Это приведет к пустой трате средств. 

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    Рассылку применяют для решения таких задач: 

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    Для повышения эффективности рассылки необходима правильная настройка. 

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    Схема работы с Email рассылкой для арбитража трафика

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    Сначала подготовьте базу подписчиков – тех, кому будут рассылаться письма. К примеру, для продвижения предложений, которые связаны с нутрой, необходима женская аудитория. Спортивные ставки и азартные игры больше интересны мужчинам. Предложения, связанные с видеоиграми, направлены на людей подросткового возраста. 

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    Когда база подписчиков собрана, юзеров приглашают принять участие в конкурсе. В конкурсе пользователи зарабатывают баллы, участвуют в розыгрыше приза. Это может быть крем, одежда с подписью спортсмена, видеокарта. Можно рассылать участникам конкурса обучающие материалы, объясняющие, как использовать средство, совершать победные ставки, проходить компьютерную игру. Это обеспечит втягивание пользователя, появление у него азарта, а значит, монетизацию трафика. 

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    Особенность подобного маркетинга – это возможность повторного использования юзера при появлении новых предложений. Достаточно отправить письмо на e-mail, предложив человеку новые товары, услуги, обучающие материалы. 

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    Как собрать базу подписчиков

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    Сбор базы подписчиков осуществляют в соответствии с законом. Юзеры сами предоставляют собственные e-mail, дают согласие на получение рассылки. При этом подписка подтверждается посредством электронной почты, что предотвращает появление в базе ботов. 

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    Сбор базы упрощает готовая форма подписки, которую реализовывают разными способами. Она должна быть привлекательна, размещаться на видном месте. Доступны такие варианты расположения: 

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    1. На основной странице сайта. Например, форму на основном экране применяет сервис Tilda. 
    2. В сайдбаре. Такой вариант предусматривает возможность регулярного обновления, тестирования дизайнов. Подобную форму применяет Cossa. 
    3. В отдельном всплывающем окне. Popup обычно открывается спустя пару секунд после начала просмотра сайта юзером. Такая форма применяется на сайте Mango. 
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    Ключевые метрики Email-рассылки

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    Необходимо позаботиться об отслеживании отдачи от рассылки. Предусмотрено 6 основных метрик: 

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    1. OR – количество юзеров, открывших письма. Для вычисления показателя число сообщений, которые открыли, делят на количество доставленных писем. Результат умножают на 100. 
    2. CTR – число юзеров, нажавших на ссылку либо иные компоненты в письме. Для вычисления показателя количество кликов делят на число доставленных сообщений. Результат умножают на 100. 
    3. Конверсия – количество тех, кто совершил целевые действия на посадочной странице. Это может быть приобретение товара, создание профиля, запись на вебинар. Показатель равен частному от деления количества конверсий на число доставленных сообщений. 
    4. Отказы – коэффициент сообщений, которые не были доставлены. Отказы обуславливаются техническими проблемами с e-mail, несуществующими электронными почтами. Для вычисления показателя число отказов делят на количество отправленных писем, затем частное умножают на 100. 
    5. Переадресация – число сообщений, которыми поделились люди. Число переадресаций делят на количество писем, умножают результат на 100. Переадресации обеспечивают получение новых клиентов. 
    6. ROI – показывает разницу между затраченными на продвижение деньгами и доходом. 
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    Плюсы и минусы

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    Плюс рассылки на электронные почты – получение целевого трафика. Юзеры дают добровольное согласие на получение сообщений с офферами. Подобный источник не забанят в рекламной сети. Есть возможность спокойного использования e-mail рассылки для продвижения предложений рекламодателей. К прочим преимуществам относят следующее: 

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    К минусам относят то, что люди не доверяют рассылке. Пользователям надоела реклама, рассылаемая на e-mail. Они не хотят приобретать некачественные товары, которыми сейчас переполнена Сеть. По этой причине 80% юзеров отправят сообщение с оффером в спам, даже если предложение предусматривает качественный товар. 

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    С какими тематиками можно работать

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    Лучше всего рассылка на электронную почту показывает себя в таких тематиках: 

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    По сути, допускается применять email рассылку в любой вертикали. 

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    О сервисе Пампаду

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    Платформа Pampadu позволяет продвигать 3 типа офферов: финансовые, страховые, кадровые. Начать получать комиссионные агент может после регистрации на сайте. Создав профиль, можно выбирать оффер и применять e-mail рассылку для продвижения. Главное – ознакомиться с разрешенными источниками трафика в условиях оффера. Email рассылка не должна входить в перечень запрещенных источников. 

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    Например, посредством такого инструмента продвигают оффер «Дебетовая карта Деньги Weekend» МТС Банка. Использовать email рассылку можно по согласованию с реклом. За каждую оформленную и активированную карточку агент получает 1600 руб. Для активации держатель карты должен совершить оплату на 500+ руб. Деньги зачисляются в течение 3 мес. Показатель подтверждений равен 23%. Активация банковской карточки должна быть выполнена в течение 3 мес. после оформления пластика и доставки его клиенту. 

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    \"\"/
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    Если говорить о преимуществах Pampadu, то они таковы: 

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    Пампаду размещает на интернет-сайте предложения только надежных рекламодателей.

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    Профессиональным риелторам знакомо понятие home staging, за которым скрывается предпродажная подготовка квартиры. Для этого, согласовав свои действия с владельцем квартиры, предстоит привести ее в товарный вид. Так вы представите жилье более привлекательным для покупателей по сравнению с аналогичными объектами.

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    Сервис партнерских продаж Пампаду собрал и обобщил для риелторов информацию о том, как подготовить квартиру к продаже. Мы расскажем вам про типичные способы предпродажной подготовки.

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    Предпродажная подготовка (home staging)

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    Стороны сделки могут решить любые правовые вопросы при помощи нотариуса или юриста. А услуги посредника заключаются в умении грамотно продавать. Риелтор, нанятый продавцом, должен активно влиять на эмоции покупателя. Несмотря на то, что квартира – это дорогая, серьезная покупка, такие решения зачастую принимаются эмоционально, на подсознательном уровне.

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    Если покупателю не понравится квартира, то он не станет ее приобретать. При этом он может даже не отдавать себе отчет в том, что конкретно его не устроило. Жилье может показаться мрачным и тесным, навеять тоску или вызвать неприятные ассоциации. Негативное первое впечатления не получится перекрыть никакими преимуществами объекта. А вызвать его могут всего лишь затхлый запах в подъезде или немытые окна в квартире.

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    Наверняка вы обращали внимания, что некоторые объявления о продаже квартир «висят» на сайтах недвижимости месяцами. А другие объекты, схожие по условиям расположения и иным характеристикам, покупают в течение считанных дней. Кажется, что такая скорая продажа скрывает за собой какой-то секрет. Подобные секреты правда существуют – они относятся к правильной предпродажной подготовке объекта, ими пользуются некоторые риелторы.

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    Чтобы повысить скорость продажи, не понижая ценовую планку, риелторы пользуются приемами home staging:

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    1. Сделать небольшой косметический ремонт или, как выражаются агенты по недвижимости, «навести марафет»;
    2. Провести генеральную уборку в квартире, выбросить ненужные вещи;
    3. Уделить внимание лестничной площадке, лифту, входу в подъезд;
    4. Сделать для объявления о продаже привлекательные фотографии интерьера квартиры и внешнего вида дома;
    5. Составить информативный, но в то же время завлекающий текст объявления;
    6. Собрать необходимые для продажи квартиры документы; 
    7. Грамотно проводить показы объекта перед потенциальными покупателями.
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    Раскроем содержание каждого из пунктов работы подробнее.

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    Предпродажный ремонт квартиры или дома – стоит ли вкладываться?

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    Встречается мнение, что качественный ремонт поможет продать квартиру подороже. Но это не так! Если речь не идет о квартире с полной отделкой, обставленной всей необходимой техникой и мебелью, то покупателя обычно не интересует ее интерьер. Он рассматривает жилье как квадратные метры для реализации своей воображаемой планировки. В этом случае дорогой ремонт может только навести его на мысль о завышенной стоимости квартиры. Поэтому вложения в дорогой предпродажный ремонт крайне редко окупаются.

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    Совсем другое дело, если речь идет о недорогом косметическом ремонте, который позволит освежить внешний вид квартиры. Светлый и просторный интерьер квартиры поможет произвести позитивное впечатление на клиента и ускорить продажу.

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    Некоторые собственники считают, что тратить деньги на ремонт не стоит, ведь каждый имеет свое представление об эстетике, а покупатель будет делать ремонт на свое усмотрение. Эта точка зрения ошибочна. Даже тех, кто изначально настроен на ремонт, может отпугнуть «убитое в хлам» жилище. 

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    Когда мы говорим о работе с эмоциями, важно исключить их негативные проявления при осмотре квартиры. Запущенный и неопрятный вид жилья способен расстроить потенциальных покупателей, особенно женщин. Но не стоит также ждать восхищения по поводу свежеокрашенных стен или нового линолеума. Ваша задача – выделить объект продажи среди других предложений на рынке недвижимости.

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    На вторичном рынке нередко встречаются квартиры с подтеками на потолке, ржавчиной на трубах, прожженным линолеумом, облезлыми стенами. Перекошенные двери, висящие на одной петле, подтекающие краны, грязный унитаз также придают квартире запущенный вид. Такой удручающий интерьер можно легко облагородить, имея небольшие строительные навыки, купив банку краски, побелку и другой инвентарь.

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    Оклейте стены самыми дешевыми обоями и постелите недорогой линолеум – и квартира преобразится. Отдавайте предпочтение пастельным оттенкам, они выглядят нейтральными и делают пространство более светлым. Если в квартире никто не живет, есть смысл продавать ее с черновой отделкой.

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    Избегайте ярких цветов, экзотических контрастов и нестандартных стилей – они могут отпугнуть отдельных клиентов. Учтите, что любой покупатель «примеряет» квартиру под себя. По этой причине можно наклеить обои под покраску – так будущему владельцу будет проще представить в квартире свою мебель, любимые детали интерьера. 

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    Проводим генеральную уборку перед продажей

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    Если квартира свободна и в ней сейчас никто не живет, провести уборку не составит сложности. Но как быть, если квартира жилая и в ней проживает целая семья?

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    В этом случае, стоит убрать из зоны видимости все ненужные вещи. Захламленный тамбур, заставленный балкон или кладовка, заполненная сломанными предметами, все еще часто встречаются в квартирах на продажу. Лучше избавиться от всего, что жильцы не планируют забирать с собой и чем уже давно не пользуются. Без старого хлама жилье будет выглядеть просторнее и современнее.

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    Ненужную мебель, ковры, одежду, предметы интерьера, музыкальные инструменты и книги можно продать, отдать в благотворительные организации или раздать бесплатно всем желающим. Все эти действия также входят в предпродажную подготовку имущества.

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    Перед проведением показов стоит избавиться от застарелой грязи, известкового налета и жирных пятен, помыть окна и зеркала. Для этого можно вызвать службу клининга. Специалисты применяют в работе действенные химикаты, которые помогут отчистить до блеска сантехнику, кухонную плиту, душевую кабину, вытяжку, вентиляционные отдушины и радиаторы отопления. Такой сверкающей чистоты сложно добиться обычной хозяйке. Услуги клинеров обязательно окупятся при продаже квартиры. Владельцам рекомендуется постирать занавески и шторы. Эти действия помогут произвести на покупателя благоприятное впечатление.

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    Облагораживаем «подступы» к объекту

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    Даже если в квартире царит кристальная чистота и порядок, впечатление может испортить грязный подъезд или разрисованный лифт. Это наведет потенциальных покупателей на мысль, что в доме проживают неблагополучные личности и от таких соседей стоит ожидать неприятностей.

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    Если наводить порядок на лестничной клети, возле мусоропровода или в кабине лифта вам не по душе – наймите мастера чистоты на договорной основе. Не обязательно красить стены подъезда, но вкрутить лампочки, убрать окурки и проветрить лестничную площадку не так уж и сложно. Это поможет не испортить положительное впечатление об объекте, а значит быстрее продать квартиру.

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    Делаем правильные фото для рекламы

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    Когда вы привели квартиру в порядок, можно подавать объявление о ее продаже и ждать откликов. Для его размещения потребуется сделать привлекательные фотографии. Не обязательно обладать навыками профессионального фотографа, чтобы получить вдохновляющие фото – используя проверенные приемы, вы сможете представить жилище в выгодном свете.

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    Фото должны быть четкими, сделаны при ярком освещении и с высоким разрешением. Избегайте отражений в зеркалах и не делайте снимков напротив источников освещения. Фотографии должны быть содержательными, поэтому используйте панорамную съемку там, где это уместно.

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    Пишем текст объявления о продаже

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    Стандартный текст объявления о продаже квартиры включает в себя типовую информацию, визуальный блок и текстовое описание.

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    К определяющим характеристикам квартиры относятся:

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    Визуальный блок может включать не только фото квартиры, но и двора, вида из окон. Здесь можно представить план квартиры, который заменит словесное описание планировки и закроет сразу множество вопросов покупателей.

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    Текстовый блок не должен быть слишком длинным и дублировать уже приведенную в объявлении информацию. Укажите здесь условия совершения сделки, способы оплаты. Если в квартире никто не прописан, обязательно упомяните эту информацию. 

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    Не ограничивайтесь общими фразами, указывайте конкретные достоинства квартиры по сравнению с аналогичными объектами, представленными на рынке недвижимости. Стоит перечислить все преимущества объекта, особенно неявные – например, наличие новой электропроводки, теплого пола на балконе, замену труб канализации и радиаторов отопления. Если собственник продает квартиру с мебелью и техникой, перечислите все, что достанется новому владельцу. Преимуществом также будет живописный вид из окон на парк или водоем.

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    Опишите инфраструктуру района – близость остановок общественного транспорта, детских садов, школ и поликлиник, стоянок и подземных парковок, наличие удобной транспортной развязки, детских и спортивных площадок, супермаркетов и сетевых магазинов.

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    Собираем пакет документов для сделки

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    Риелтор должен помочь собственнику подготовить пакет документов на квартиру. Начать следует с правоустанавливающей бумаги на собственность. Ею может быть договор купли-продажи, свидетельство о праве на наследство или иной документ, который подтверждает законность владения недвижимостью. Если выяснилось, что такой документ утерян, его можно восстановить через Росреестр.

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    В случае наследования квартиры нужно убедиться, что право собственности зарегистрировано в Росреестре. К примеру, наследник может владеть имуществом по закону, но по каким-то причинам пока не зарегистрировать право собственности. В этом случае на правоустанавливающем документе будет отсутствовать печать этого госоргана.

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    Кроме этого, покупатель захочет увидеть выписку из ЕГРН, справку об отсутствии задолженности по коммунальным платежам и обязательным взносам, выписку из домовой книги о том, что в квартире нет прописанных жильцов. Перечень документов достаточно обширен и он может меняться в зависимости от обстоятельств. Например, если квартира приобретается на условиях ипотеки, то такой список определяется требованиями кредитной организации. 

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    Эти документы можно подготовить еще на этапе предпродажной подготовки, чтобы показывать квартиру, как свободную и готовую к продаже. Конечно, в случае использования кредитных средств, банк будут интересовать документы, действующие на момент совершения сделки. Поэтому выписку из лицевого счета квартиры лучше брать, когда вы уже нашли возможного покупателя.

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    Проводим показы

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    Даже самую тщательную предпродажную подготовку могут испортить неправильно организованные показы. Не стоит безостановочно нахваливать недвижимость и следовать по пятам за посетителем – такое навязчивое внимание будет излишним и не приблизит вас к заключению сделки.

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    Важно правильно выбрать время для просмотра. Залитые солнцем комнаты будут выглядеть более привлекательно, поэтому показы в общем случае лучше проводить в первой половине дня и при ясной погоде. Если же из окон открывается унылый индустриальный пейзаж, лучше проводить просмотры вечером, задернуть шторы и включить яркое освещение.

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    Цель этих манипуляций вовсе не в том, чтобы ввести покупателя в заблуждение. А в том, чтобы создать более благоприятное первое впечатление о квартире.

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    Маленькие дети могут перетянуть на себя все внимание, поэтому на время просмотра лучше отправить их к родственникам или на прогулку. Это правило касается и животных – запах кошачьего лотка или собачий лай может испортить первое впечатление о квартире. Кроме того, у покупателей может быть аллергия на их шерсть или слюну. Это относится также к живым цветам, резким запахам и другим возможным аллергенам.

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    Загроможденные комнаты и неопрятность помещений наводят на покупателей тоску и уныние. Если сложить диван, убрать одежду и обувь в шкафы, сложить разбросанные игрушки, разобрать сушилку с бельем, то жилье будет выглядеть более просторным.

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    Создать правильное впечатление могут помочь (или помешать) запахи. Перед показом комнаты лучше проветрить. Если в квартире сейчас проживают, предупредите жильцов о запланированном показе заранее. Попросите их не варить борщ, не жарить рыбу и не готовить другие блюда со специфическим ароматом. Но запах выпечки и свежезаваренного кофе может, напротив, создать впечатление о домашнем уюте.

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    Риелтору нужно быть готовым отвечать на каверзные вопросы покупателей и работать с возражениями. Но не пытайтесь вводить посетителя в заблуждение. Признавайте явные недостатки, но не забывайте акцентировать внимание на преимуществах недвижимости – в частности, если их не сразу можно заметить.

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    Как риелтору увеличить свой доход?

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    Сервис реферального маркетинга Пампаду готов предложить выгодные условия сотрудничества для любых специалистов по недвижимости – агентов, риелторов, брокеров. Партнерская программа позволит вам получать дополнительный доход или увеличить основной заработок.

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    \"\"
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    На платформе представлены сотни офферов в категориях: страхование, банковские продукты, HR. Чтобы увидеть действующие предложения, нужно пройти регистрацию на сайте. Она займет не более пяти минут, и вы сразу же получите доступ в личный кабинет и к данным статистики.

    \n\n\n\n

    Особенный интерес для риелторов представляет страхование ипотеки, поскольку это одно из обязательных условий для клиентов при получении кредитования. Вы поможете клиенту оформить полис по сниженной цене и получите вознаграждение – до 60 % от его стоимости.

    \n', 'Как риэлтору подготовить квартиру к продаже', 'Риелтор, как и продавец жилья, заинтересован в скорой продаже недвижимости. В статье мы подробно рассказываем о том, как подготовить квартиру к продаже. Рассматриваем различные методы предпродажной подготовки.', 'publish', 'open', 'open', '', 'kak-rieltoru-podgotovit-kvartiru-k-prodazhe', '', '', '2023-07-12 13:22:56', '2023-07-12 13:22:56', '', 0, 'https://pampadu.ru/blog/?p=3227', 0, 'post', '', 0), (3228, 1, '2023-07-12 13:19:17', '2023-07-12 13:19:17', '', '1030х502-6 (6)', '', 'inherit', 'open', 'closed', '', '1030h502-6-6-2', '', '', '2023-07-12 13:19:17', '2023-07-12 13:19:17', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-6-6.jpg', 0, 'attachment', 'image/jpeg', 0), (3230, 15, '2023-07-12 13:49:50', '2023-07-12 13:49:50', '\n

    Сервис партнерских продаж Pampadu стремится к расширению своей сети партнеров, в том числе за счет сотрудничества с агентами по недвижимости – как с опытом в продажах, так и без него.

    \n\n\n\n

    И собственникам, и риелторам полезно знать, как восстановить документы на квартиру, дом или земельный участок. Например, владелец квартиры умер, договор приватизации затерялся, а наследники не знают, что им делать. Разбираем эту и другие подобные ситуацию в статье.

    \n\n\n\n

    Какими документами собственники могут подтвердить свои права на имущество

    \n\n\n\n

    Что делать, если квартира есть, а документация на нее отсутствует? Для начала нужно выяснить, на чем основано право владения имуществом.

    \n\n\n\n

    Право собственности устанавливается одним из следующих документов:

    \n\n\n\n\n\n\n\n

    Прежде всего, стоит запросить выписку из ЕГРН о содержании правоустанавливающей документации. В ней будут указаны сведения не только о собственниках, но и об основании их прав. Но получить ее сможет только владелец жилья.

    \n\n\n\n

    Что такое правоустанавливающие документы

    \n\n\n\n

    Правоустанавливающим считается документ, доказывающий, что собственник владеет недвижимостью на законных основаниях. В нем указывается то, каким образом этот человек приобрел право владения квартирой, домом или земельным участком. 

    \n\n\n\n

    Что это будет за документ, определяется предысторией квартиры или другого недвижимого имущества, о котором идет речь. Независимо от вида документа, бумаги будут содержать следующие данные:

    \n\n\n\n\n\n\n\n

    Чтобы получить информацию об объекте недвижимости и восстановить утраченную документацию, можно обратиться на Госуслуги, в МФЦ или местное отделение Росреестра.

    \n\n\n\n

    Как восстановить утерянные документы на квартиру

    \n\n\n\n

    Пропажа документов может вызвать тревогу у владельца жилья и на это есть основания. Например, известны случаи, когда мошенники завладели правоустанавливающими документами, подделали доверенность на право совершать сделки и оформили продажу имущества без ведома владельца.

    \n\n\n\n

    Обезопасить себя от подобной ситуации можно, запретив совершать операции с недвижимостью без вашего личного присутствия. Такую услугу можно оформить дистанционно, подав заявление на сайте Госуслуг.

    \n\n\n\n

    Если документация пропала, и вы подозреваете, что ее похитили злоумышленники с целью воспользоваться в корыстных целях – обратитесь в правоохранительные органы.

    \n\n\n\n

    На следующем шаге нужно заняться восстановлением документов. Для этого предстоит обратиться все в тот же Росреестр. Это можно сделать при личном визите или дистанционно. В базе хранится информация о собственниках, переходе прав, характеристиках жилья. 

    \n\n\n\n

    Ведомство выдает разные виды выписок из ЕГРН. Они могут заменить многие устаревшие документы – такие, как свидетельство о государственной регистрации права собственности. Выписки в ряде случаев может быть достаточно для оформления наследства или дарения, регистрации в квартире и даже продажи имущества.

    \n\n\n\n

    Договоры купли-продажи, свидетельства, решения и акты – где искать документы разных видов

    \n\n\n\n

    Если вы знаете, какой документ нужно искать, то это облегчает задачу.

    \n\n\n\n

    Договоры купли-продажи можно восстановить:

    \n\n\n\n\n\n\n\n

    Утерянное судебное решение можно повторно запросить в суде, который его выдал. Свидетельство о праве на наследство нужно искать у нотариуса или в нотариальной конторе, которая открыла наследственное дело. 

    \n\n\n\n

    Сложнее обстоит дело, если нотариус или государственная нотариальная контора прекратили свою деятельность. В этом случае бумаги передаются на хранение действующему нотариусу или конторе. 

    \n\n\n\n

    Услуга восстановления документов предоставляется на платной основе и надо быть к этому готовым.

    \n\n\n\n

    Где искать старые документы на недвижимое имущество

    \n\n\n\n

    Перечисленные способы помогут, если вы получили право на имущество после создания Росреестра. Эта организация начала свою деятельность в феврале 1998 года. Хотя у нотариуса или в архиве можно найти материалы, относящиеся и к более раннему сроку.

    \n\n\n\n

    До 1998 года имущественные права регистрировались без единой системы. Документы не имели установленного вида, поэтому их оформляли по-разному.

    \n\n\n\n

    Например, вместе с земельным наделом могли выдаваться:

    \n\n\n\n\n\n\n\n

    Аналогично регистрировали и частные дома. Документы на право владения ими выдавались местными администрациями или иными госорганами. Экземпляр оригинала старого документа можно также поискать в Бюро технической инвентаризации.

    \n\n\n\n

    Где взять технический паспорт на недвижимость

    \n\n\n\n

    Характеристики домов и квартир указываются в технических и кадастровых паспортах. Чтобы получить технический, а затем и кадастровый паспорта, сначала нужно предоставить документ, подтверждающий право собственности на объект.

    \n\n\n\n

    Хоть по законодательству техпаспорт не считается обязательным для проведения сделок с недвижимостью, но зачастую его включают в пакет документов, необходимых для оформления купли-продажи имущества. Технический паспорт можно восстановить или заказать новый. Для этого нужно обратиться в Бюро технической инвентаризации (БТИ).

    \n\n\n\n

    До 2017 года отдельным документом выдавался кадастровый паспорт. Теперь информация, содержащаяся в нем, включена в выписку ЕГРН. Но оформлять его по-прежнему нужно. Кадастровый паспорт получают, когда ставят построенный дом на кадастровый учет, а также в случае проведения перепланировки в квартире или внесения других конструктивных изменений. В нем указывается кадастровый номер объекта и его кадастровая стоимость.

    \n\n\n\n

    Какие документы нужны для оформления ипотеки

    \n\n\n\n

    Список документации, которая запрашивается при оформлении ипотеки, может отличаться в различных банковских организациях. Стандартный перечень включает:

    \n\n\n\n
    1. Заявление по установленной форме;
    2. Выписку из ЕГРН;
    3. Правоустанавливающий документ на квартиру;
    4. Паспорта всех участников сделки;
    5. Предварительный договор купли-продажи;
    6. Отчет об оценке недвижимости;
    7. Технический паспорт на квартиру;
    8. Выписку из домовой книги, подтверждающую, что в квартире имеются или отсутствуют прописанные жильцы;
    9. Полис страхования залога.
    \n\n\n\n

    Но лучше не полагаться на общую информацию, а запросить перечень документов у выбранного кредитора.

    \n\n\n\n

    Как хранить, чтобы не терять

    \n\n\n\n

    Многих собственников волнует вопрос, как сберечь документы на недвижимость? 

    \n\n\n\n

    Нередко потеря документов связана с отсутствием четкой системы их хранения. Например, бумаги на квартиру могут быть утрачены при переезде, вследствие пожара или стихийного бедствия. 

    \n\n\n\n

    При наличии сейфа лучше будет поместить правоустанавливающие документы туда. Бумаги можно также хранить:

    \n\n\n\n\n\n\n\n

    К сожалению, эти способы хранения не смогут застраховать вас от хищения документов на квартиру. Уберечься от проникновения злоумышленников может помочь только установка системы охранной сигнализации и видеонаблюдения. Но организовав четкую систему хранения документов, в случае возникновения чрезвычайной ситуации вы будете знать, что нужно взять в первую очередь.

    \n\n\n\n

    Чтобы дополнительно подстраховаться, можно сделать нотариально заверенные копии правоустанавливающих документов. Такие дубликаты можно хранить в надежном месте, отдельно от оригиналов.

    \n\n\n\n

    Что еще стоит знать риелтору?

    \n\n\n\n

    Возможность расти и развиваться есть в любой профессии. Любые дополнительные навыки и умения станут вашим конкурентным преимуществом. Например, агенты по недвижимости могут принять участие в партнерской программе Пампаду. Агрегатор партнерских продаж дает возможность получать дополнительный доход, совмещая подработку с риелторской деятельностью.

    \n\n\n\n
    \"\"
    \n\n\n\n

    Одним из обязательных условий при получении денежного займа выступает страхование ипотечной квартиры. Страховка ипотеки – один из популярных офферов на нашей платформе. Благодаря этому, вы сможете выбрать выгодное предложение и оформить полис онлайн в течение 10 минут. А ваш клиент заплатит за страховку меньше, чем в банке. При этом мы гарантируем, что кредитная организация без проблем примет такой полис. Регистрируйтесь на сайте Pampadu и начинайте зарабатывать по-новому!

    \n', 'Как риэлтору восстановить утерянные документы на квартиру', 'Расскажем, как восстановить утерянные документы на квартиру или другую недвижимость. Что делать, если право на имущество есть, а подтверждающих документов нет? Также поделимся советами, какие бумаги нужны для оформления ипотеки. ', 'publish', 'open', 'open', '', 'kak-rieltoru-vosstanovit-uteryannye-dokumenty-na-kvartiru', '', '', '2023-07-12 13:49:50', '2023-07-12 13:49:50', '', 0, 'https://pampadu.ru/blog/?p=3230', 0, 'post', '', 0), (3231, 1, '2023-07-12 13:28:21', '2023-07-12 13:28:21', '', '1030х502-7 (3)', '', 'inherit', 'open', 'closed', '', '1030h502-7-3-2', '', '', '2023-07-12 13:28:21', '2023-07-12 13:28:21', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-7-3.jpg', 0, 'attachment', 'image/jpeg', 0), (3233, 15, '2023-07-12 14:13:57', '2023-07-12 14:13:57', '\n

    Отказной трафик – это термин, описывающий ситуацию, когда посетитель покидает страницу без выполнения желаемого действия (покупка товара, подписка на рассылку). Такие пользователи не только не приносят доход компании, но и стают клиентами конкурентов. Поэтому так важно понять, что это такое отказной трафик, как он работает, можно ли его монетизировать.

    \n\n\n\n

    Отказной трафик возникает от непривлекательного дизайна, претензий пользователей к содержанию сайта. Однако при правильном использовании ОТ можно монетизировать, превратив потенциальных клиентов в покупателей, одновременно повысив конверсию ресурса.

    \n\n\n\n

    Отказной трафик: как с ним работать

    \n\n\n\n

    ОТ – это посетители, которые покидают ресурс, не взаимодействуя не с одним его элементом. Причины роста параметра:

    \n\n\n\n\n\n\n\n

    Последний называют показателями отказов (Bounce Rate). Отслеживать параметр нужно, так как он влияет на позиции ресурса в поисковой выдаче и на итоговые продажи.

    \n\n\n\n

    Показатель отказов отображается в отчетах Google Analytics и Яндекс.Метрики. Так, GA при просмотре всего одной страницы ресурса выставляет время просмотра – 0 секунд. Я.М рассматривает выполнение трех условий:

    \n\n\n\n\n\n\n\n

    Однако не стоит переживать из-за увеличивающегося Bounce Rate, так как при ряде условий, его можно превратить в источник дохода. 

    \n\n\n\n

    Плюсы и минусы

    \n\n\n\n

    ОТ причиняет беспокойство владельцем ресурса, представляет возможности для монетизации.

    \n\n\n\n

    Преимущества Bounce Rate:

    \n\n\n\n\n\n\n\n

    Из минусов:

    \n\n\n\n\n\n\n\n

    Выявив страницы с высокими показателями Bounce Rate, можно их улучшить или оптимизировать. Еще один вариант уменьшения параметра – отслеживание типа браузера. 

    \n\n\n\n

    Также вебмастера предлагают:

    \n\n\n\n\n\n\n\n

    Не забывайте тестировать разные методы монетизации отказного трафика, анализируя результаты, чтобы определить рабочие стратегии. ОТ будет ценным активом для онлайн-бизнеса, если вы умело используете его потенциал.

    \n\n\n\n

    Где брать трафик

    \n\n\n\n

    Контекстная реклама и поисковая оптимизация (SEO) – популярные способы привлечения трафика. Контекстная реклама предоставляет возможность размещать объявления на партнерских онлайн-ресурсах, имеющих целевую аудиторию. Вы можете выбирать конкретные ключевые слова или категории для настройки показа объявлений.

    \n\n\n\n

    Поисковая оптимизация (SEO) – инструмент для привлечения органического трафика. Оптимизируйте сайт, используя ключевики, создайте оригинальный контент, обратите внимание на ссылки со сторонних ресурсов. Это поможет ресурсу занять высокие позиции в поисковых системах и привлечь больше посетителей.

    \n\n\n\n

    Еще одним способ привлечения ОТ – соцсети. Создайте страницу или группу в популярных социальных сетях, активно взаимодействуйте с целевой аудиторией. Размещайте оригинальный контент, проводите конкурсы и акции, чтобы привлечь внимание пользователей.

    \n\n\n\n

    Не забывайте также о возможности работать с партнерскими программами. Вы можете заключить договоры с другими сайтами или блогерами для размещения рекламы на их ресурсах. Это поможет привлечь новых посетителей.

    \n\n\n\n

    Выбирайте действенный метод привлечения трафика и целевую аудиторию. Изучите ее интересы, поведение, предпочтения, чтобы создать рабочие рекламные кампании.

    \n\n\n\n

    Как заработать 

    \n\n\n\n

    Многие вебмастера и рекламодатели считают ОТ негативным явлением, однако он может стать источником дохода.

    \n\n\n\n

    Вот несколько способов заработать на нем:

    \n\n\n\n\n\n\n\n

    Одним из базовых способов монетизации является подключение к рекламным сетям, которые предложат различные виды рекламных объявлений для вашего сайта. 

    \n\n\n\n\n\n\n\n

    Заработок через партнерские программы. Каждый раз, когда пользователь перейдет по партнерской ссылке и что-то купит, владелец получает комиссию.

    \n\n\n\n\n\n\n\n

    Предложите пользователю скидку в обмен на подписку на рассылку. Затем вы можете использовать базу данных для отправки информационных писем или предложений о товарах или услугах.

    \n\n\n\n\n\n\n\n

    Используйте ретаргетинг для повторного привлечения посетителей. Установите код ретаргетинга на сайте и запустите рекламу, которая будет демонстрироваться только тем, кто уже посещал сайт.

    \n\n\n\n\n\n\n\n

    Работа с показателями отказов представляет риски, связанные с нарушением законодательства. Правильный подход и выбор подходящего инструмента минимизирует риск.

    \n\n\n\n

    Выбирайте партнеров, используйте специнструменты для фильтрации. Маркетинговые платформы предлагают целый «ассортимент» инструментов для определения подозрительной активности. Например, системы распознавания ботов могут помочь идентифицировать и блокировать автоматические запросы, а инструменты для определения фродтрафика способны отслеживать подозрительные действия пользователей.

    \n\n\n\n

    Третий аспект безопасности – это соблюдение законодательства. При наличии платежных систем на сайте рекомендуется их защитить, гарантировав безопасность себе и клиентам.

    \n\n\n\n

    Безопасность должна быть приоритетом при монетизации ОТ. Выбор проверенных партнеров, использование специализированных инструментов, соблюдение законодательства и использование защищенных платежных систем – все это поможет обезопасить вашу деятельность и быть успешным в монетизации.

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    О Пампаду

    \n\n\n\n

    Сервис Пампаду – это возможность как для профессионалов и новичков быстро заработать, реализуя страховые или финансовые офферы.

    \n\n\n\n
    \"\"
    \n\n\n\n

    Преимуществом сервиса являются:

    \n\n\n\n\n\n\n\n

    Если есть вопросы, обратитесь в службу поддержки, которая оперативно поможет их решить.

    \n', 'Отказной трафик: что это и как монетизировать', 'Что такое отказной трафик, где его взять, можно ли его монетизировать, как уменьшить показатели отказа.', 'publish', 'open', 'open', '', 'otkaznoj-trafik-chto-eto-i-kak-monetizirovat', '', '', '2023-07-12 14:13:57', '2023-07-12 14:13:57', '', 0, 'https://pampadu.ru/blog/?p=3233', 0, 'post', '', 0), (3234, 1, '2023-07-12 14:02:59', '2023-07-12 14:02:59', '', '1030х502-3 (7)', '', 'inherit', 'open', 'closed', '', '1030h502-3-7-2', '', '', '2023-07-12 14:02:59', '2023-07-12 14:02:59', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-3-7.jpg', 0, 'attachment', 'image/jpeg', 0), (3236, 1, '2023-07-12 14:49:52', '2023-07-12 14:49:52', '', '80f3f5f9-eabc-4b45-9c5f-30c048a8a756', '', 'inherit', 'open', 'closed', '', '80f3f5f9-eabc-4b45-9c5f-30c048a8a756', '', '', '2023-07-12 14:49:52', '2023-07-12 14:49:52', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/80f3f5f9-eabc-4b45-9c5f-30c048a8a756-e1689173672574.png', 0, 'attachment', 'image/png', 0), (3237, 1, '2023-07-12 14:51:54', '2023-07-12 14:51:54', '', 'mts_logo_cmyk', '', 'inherit', 'open', 'closed', '', 'mts_logo_cmyk', '', '', '2023-07-12 14:51:54', '2023-07-12 14:51:54', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/mts_logo_cmyk-e1689173821570.png', 0, 'attachment', 'image/png', 0), (3239, 1, '2023-07-12 14:55:25', '2023-07-12 14:55:25', '', 'wwh5l7ed', '', 'inherit', 'open', 'closed', '', 'wwh5l7ed', '', '', '2023-07-12 14:55:25', '2023-07-12 14:55:25', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/wwh5l7ed-e1689173736922.png', 0, 'attachment', 'image/png', 0), (3240, 1, '2023-07-12 14:58:38', '2023-07-12 14:58:38', '', 'w1leuzvh', '', 'inherit', 'open', 'closed', '', 'w1leuzvh', '', '', '2023-07-12 14:58:38', '2023-07-12 14:58:38', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/w1leuzvh-e1689173929234.png', 0, 'attachment', 'image/png', 0), (3241, 13, '2023-07-13 09:57:19', '2023-07-13 09:57:19', '\n

    ? Коллеги, напоминаем вам, о выгодных банковских офферах на Пампаду:

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    Газпромбанк - Кредитная карта 180 дней без %

    Целевое действие: Выданная карта с одобренным кредитным лимитом от 9 999 руб.
    Вознаграждение: зарабатывайте 7 600 р. за каждую выданную карту!
    Среднее время оплаты: 30 дней
    Подтверждения: 23%

    \n\n\n\n

    Тинькофф — Tinkoff Platinum // акция - вернем 2000₽, при тратах от 5000₽

    Целевое действие: Выданная и активированная карта
    Вознаграждение: 4 200 руб.
    Среднее время оплаты: 90 дней
    Подтверждения: 12%

    \n\n\n\n

    МТС Банк - Кредитная карта - CashBack МИР

    Целевое действие: Выданная и активированная карта
    Вознаграждение: 4 000 руб.
    Среднее время оплаты: 90 дней
    Подтверждения: 6%

    \n\n\n\n

    Альфа - Банк - Кредитная Альфа-карта 365 дней без %

    Целевое действие: Выданная и активированная карта
    Вознаграждение: 4 000 руб.
    Среднее время оплаты: 30 дней
    Подтверждения: 6,5%

    \n\n\n\n

    ?Зарабатывай на дебетовых и кредитных картах, кредитах и микрозаймах, дополнительно за каждый выданный и активированный продукт.

    \n\n\n\n

    Присоединяйтесь к➡️ каналу и будь в курсе актуальных новостей по банковским продуктам.

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    Хороших продаж, команда Пампаду!

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    Агрегатор партнерских программ Пампаду на регулярной основе сотрудничает с агентствами недвижимости, отдельными риелторами, оценщиками и брокерами. На нашем сайте представлены офферы, которые позволяют постоянно привлекать к работе новых партнеров.

    \n\n\n\n

    Есть приемы, используя которые, риелторы могут не только оказывать клиентам посреднические услуги, но и помогать в решении спорных вопросов. Опытные агенты по недвижимости поделились своими знаниями, а мы обобщили эту информацию в статье. Рассказываем, как уменьшить налог при продаже квартиры и в каких случаях это можно сделать.

    \n\n\n\n

    Продажа после окончания минимального срока владения

    \n\n\n\n

    При продаже любой собственности государство взимает с таких сделок налог на получение дохода. С этой целью продавец должен предоставить в налоговую инспекцию декларацию по форме НДФЛ. Налогообложению подлежит прибыль от реализации не только недвижимого, но и любого другого вида имущества. Особенно контролируется налоговой продажа недвижимости и транспортных средств, за которые уплачивается налог в размере 13 % от суммы продажи.

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    Но уплата НДФЛ не всегда обязательна, а в ряде случаев ее можно существенно уменьшить.

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    Например, законодательством установлен минимальный срок владения собственностью. Это период владения, по истечении которого налог по сделкам купли-продажи начисляться не будет.

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    В зависимости от обстоятельств получения права собственности этот срок составляет от 3 до 5 лет. Его определяют в зависимости от способа приобретения, года покупки и числа подобных объектов в собственности владельца. С движимым имуществом дело обстоит проще: минимальный период владения всегда равен 3 годам.

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    Если срок минимального владения истек, то подавать после продажи налоговую декларацию и уведомлять о сделке ФНС не нужно. Но случаются и спорные ситуации. Например, если собственник владел частью долевой собственности дольше установленного срока, а затем выкупил остальные доли и продал квартиру в течение этого же года. В этом случае ФНС может направить ему уведомление о необходимости уплаты налога. Но это не значит, что продавцу придется его заплатить – достаточно предоставить на рассмотрение подтверждающие документы через личный кабинет на сайте.

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    Продажа единственного жилья

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    Начиная с 2020 года, собственник имеет право продать свое единственное жилье без необходимости подачи декларации и оплаты НДФЛ. Но сделать это можно только с недвижимостью, которая находится во владении не менее трех лет.

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    Чтобы воспользоваться этой возможностью, необходимо соблюсти следующие требования:

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    При этом продаваемая квартира должна быть единственной собственностью каждого из супругов. Если муж или жена собственника имущества владеет иной недвижимостью или его долей, то продаваемая квартира уже не будет считаться единственным жильем их семьи. В этом случае доход, полученный от продажи имущества, необходимо задекларировать.

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    Уменьшение доходов на понесенные расходы

    \n\n\n\n

    Уплачиваемый налог может быть уменьшен за счет вычета суммы расходов на приобретение имущества. Это означает, что налог будет рассчитан, исходя из результата разницы между доходами от продажи и расходами на покупку жилья. Если расходы превышают доходы, то налог не уплачивается вовсе.

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    Метод применяется, когда есть возможность подтвердить понесенные расходы. Подтверждающими документами могут служить платежные документы, чеки и расписки. С этой целью нужно указать такие расходы в декларации, приложив к ней подтверждающие бумаги. Можно прикладывать их копии, но налоговая в любой момент может потребовать оригиналы – они должны быть под рукой.

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    Например, вы решили продать квартиру, полученную по программе реновации. Тогда учитывайте расходы на покупку той квартиры, которая сдавалась в обмен на новую. Если минимальный срок владения жилой собственностью не достигнут, то без подачи налоговой декларации в этом случае не обойтись.

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    Как уменьшить доходы от продажи на сумму налогового вычета

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    Даже если у вас нет документов, подтверждающих расходы, вы можете уменьшить вносимую в доход государства сумму за счет налогового вычета. Его размер будет зависеть от типа имущества.

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    По законодательству размер доходов может быть уменьшен на сумму, не превышающую установленный лимит:

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    Лимиты действуют на продажу определенного типа собственности в одном году. Например, если продавец реализует за один год два автомобиля, то сумма налогового вычета за две машины будет составлять 250 тыс. рублей, а не 500 тыс. руб. Это же правило относится к жилью и земельным участкам.

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    Этот метод можно применять и в той ситуации, если расходные документы имеются, но сумма затрат меньше установленного законодательством лимита. Продавец вправе сам определить, стоит ли ему уменьшать доходы от продажи за счет расходов или же за счет налогового вычета.

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    Допустим, вы собственными силами построили на полученном в наследство участке дом. В этом случае учитывают расходы на закупку стройматериалов и на оплату труда строителей. Не всегда такие траты можно подтвердить документально, или же их сумма будет меньше дохода от продажи дома с участком. Тогда целесообразнее использовать налоговый вычет – он может полностью покрыть сумму дохода и никакой налог платить не придется.

    \n\n\n\n

    Вычет в размере 1 млн. рублей (или 250 тыс. рублей) указывают при заполнении декларации. В рассмотренной ситуации прикладывать какие-либо подтверждающие документы не нужно.

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    Уменьшение доходов от продажи имущественных долей детей за счет родительских расходов

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    При покупке жилища с использованием маткапитала, детям в обязательном порядке выделяются в нем доли. В противном случае семья рискует лишиться не только материнского капитала, но и квартиры.

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    Когда ипотека выплачена, и обременение на имущество снято, родители в течение 6 месяцев обязаны выделить доли детям. Это может быть любой процент от квартиры. Минимальный срок владения собственностью для детей начинается с момента регистрации их права на недвижимость. Начало минимального установленного срока для родителей считывается с момента покупки ими квартиры.

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    При реализации детских долей ранее установленного минимального срока владения, доход от продажи имущества подлежит налогообложению. Его размер может быть уменьшен за счет вычета вложений родителей на покупку квартиры. Сумма расходов, которую учитывают, зависит от размера выделенной детям доли.

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    Рассмотрим ситуацию, когда квартира была приобретена в ипотеку с использованием маткапитала, а единственному ребенку была выделена 0,1 часть недвижимости. Затем родители решили продать эту квартиру, получив на это разрешение органов опеки. При этом минимальный срок владения детской долей не был выдержан. В этом случае образуется налогооблагаемый доход. Его размер для ребенка составит 10 % от стоимости проданной квартиры. Учитываемый доход может быть уменьшен за счет понесенных родителями расходов на приобретение жилья.

    \n\n\n\n

    Эти изменения в законодательство были внесены в 2019 году. До нововведений родителям пришлось бы платить более крупную сумму.

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    Продавая имущество, в котором присутсвуют детские доли, родители подают декларации от имени детей. В них указывается размер понесенных родителями расходов, поскольку сами дети никаких трат не имели. К такой декларации прилагают копию документа о родстве с ребенком – свидетельства о рождении или усыновлении. Указанная часть родительских расходов не учитывается при подаче их собственных деклараций.

    \n\n\n\n

    Если расходы на покупку были целиком указаны при подаче декларации родителями, то в декларациях детей можно применить налоговый вычет в размере, пропорциональном выделенным долям.

    \n\n\n\n

    Снижение доходов на налоговую базу при дарении

    \n\n\n\n

    В случае получения квартиры или дома по дарственной, необходимо уплатить налог на добавленную стоимость. Он рассчитывается, исходя из кадастровой стоимости жилья. Это правило относится к любому имуществу, полученному в дар не от близкого родственника.

    \n\n\n\n

    Продавая такую недвижимость, полученный от сделки доход можно уменьшить на размер налогового вычета. Но если вычет уже применялся на протяжении года для продажи других объектов, то использовать его нельзя.

    \n\n\n\n

    Получается, что на один объект недвижимости налог нужно было оплачивать два раза: при получении подарка и при продаже имущества. В 2019 году это правило было изменено. Теперь из дохода от продажи вычитают сумму, с которой уже уплачен НДФЛ при дарении. В итоге налог будет начислен лишь на полученную разницу.

    \n\n\n\n

    Продавая такую собственность, в декларации указывают сумму вычета. Лучше сразу приложить к такой декларации документальное подтверждение факта уплаты налога ранее.

    \n\n\n\n

    Уменьшение доходов за счет расходов дарителя или наследодателя

    \n\n\n\n

    При получении имущества от близкого родственника в дар или по наследству, налог в таком случае не уплачивается. Также отсутствуют расходы на приобретение собственности, которые можно было бы учесть в качестве вычета при его продаже.

    \n\n\n\n

    С 2019 года размер налога к уплате может быть уменьшен за счет расходов, понесенных наследодателем или дарителем. Тогда НДФЛ начисляется не на общую стоимость проданного жилья, а на разницу между полученным доходом и понесенными предыдущим владельцем расходами.

    \n\n\n\n

    Это правило можно применить только, если квартира была куплена предыдущим собственником, а не получена ранее одним из таких же способов. Для получения налогового вычета способ приобретения квартиры предыдущим владельцем необходимо будет подтвердить документально – например, приложив копию договора купли-продажи. Поэтому храните любые документы на имущество, в том числе устаревшие, даже если вы не планируете его пока продавать.

    \n\n\n\n

    В других случаях можно воспользоваться для уменьшения дохода от сделки вычетом, не требующим документального подтверждения.

    \n\n\n\n

    Как уменьшить доход от продажи за счет расходов супруга

    \n\n\n\n

    Если собственник состоят в зарегистрированном браке, то после его заключения все купленное имущество будет признано совместным. По умолчанию считается, что второй супруг участвовал в покупке недвижимости, независимо от того, кто указан покупателем по документам. Исключение делают только при наличии брачного договора и в других, оговоренных законом случаях.

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    Допустим, имущество было куплено одним из супругов в браке, а затем полностью перешло в собственность другого. В этом случае, при продаже недвижимости или транспортного средства, второй супруг вправе уменьшить уплачиваемый налог за счет расходов первого на покупку этой собственности. При этом срок минимального владения отсчитывают с момента покупки имущества первым супругом.

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    Заполняя декларацию, в обязательном порядке приложите к ней свидетельство о браке и документальные доказательства понесенных расходов.

    \n\n\n\n

    Снижение налога к уплате на сумму маткапитала

    \n\n\n\n

    Несмотря на то, что маткапитал – это вид государственной поддержки, его также учитывают для уменьшения налоговой базы при продаже недвижимости.

    \n\n\n\n

    При реализации имущества, купленного с использованием материнского капитала, доход от сделки можно уменьшить на размер расходов, тогда налог начисляют исключительно на разницу этих сумм. По факту семья потратила не свои деньги, а бюджетные, но за счет них можно все равно уменьшить налог.

    \n\n\n\n

    Однако маткапитал не может быть отнесен к расходам для имущественного вычета, который можно было бы использовать при покупке квартиры. Его учитывают только при продаже такого имущества. В случае продаж долевой собственности, у каждого из членов семьи есть право зачесть в уплату налога часть маткапитала, которая ушла на оплату его доли.

    \n\n\n\n

    Подавая декларацию, приложите к ней документальное подтверждение факта, что материнский капитал был использован для оплаты жилья. Если оформлялась ипотека, то подтверждать использование материнского капитала не нужно, ведь деньги перечисляются банку, а собственник только подтверждает оплату недвижимости в рамках кредитного договора.

    \n\n\n\n

    Как уменьшить расходы на сумму ипотечных процентов

    \n\n\n\n

    При продаже квартиры или дома доходы можно уменьшить за счет вложений на приобретение недвижимости. Под расходами зачастую понимается внесенная ранее за жилье по договору купли-продажи плата. При покупке квартиры в ипотеку с уплатой процентов в банк, они также могут быть отнесены к статье расходов, что уменьшает облагаемую НДФЛ сумму.

    \n\n\n\n

    Для этого в подаваемую декларацию включают обозначенную в договоре купли-продажи цену квартиры и сумму выплаченных процентов по ипотеке. Те, кто знает об этой возможности, могут значительно сэкономить или совсем избежать уплаты налога. Справку о сумме расходов за весь период погашения ипотеки можно заказать в банке.

    \n\n\n\n

    При этом в расходы при продаже нельзя включить затраты, понесенные за ремонт квартиры. Их относят исключительно к расходам на приобретение имущества, за счет чего можно увеличить сумму налога, подлежащую к возврату.

    \n\n\n\n

    Учет в расходах денежной компенсации другим наследникам

    \n\n\n\n

    При делении наследства между несколькими наследниками, они могут прийти к согласию, что кто-то заберет свою долю в денежном эквиваленте.

    \n\n\n\n

    Например, если наследством выступает машина, разделить ее на части не получится. Тогда автомобиль забирает один из наследников, а другим он выплачивает денежную компенсацию в размере их доли. При продаже этого автомобиля, наследник может указать выплаченную компенсацию в составе понесенных расходов, тем самым уменьшив для себя размер налоговой базы.

    \n\n\n\n

    Для подтверждения таких выплат от всех наследников нужно получить расписки и выплатить их долю через банк. Понесенные расходы указывают в декларации, а квитанции прилагают в качестве доказательства. Чтобы раздел имущества не был оспорен позже, сам факт компенсации лучше подтвердить нотариально, договорившись об этом при оформлении свидетельства о праве на наследство.

    \n\n\n\n

    Использование иных вычетов в том же году

    \n\n\n\n

    Еще больше уменьшить полученный от продажи собственности доход можно за счет социальных вычетов:

    \n\n\n\n\n\n\n\n

    На их получение гражданин имеет право в том же году. Подавая декларацию, все социальные вычеты, которые вам полагаются, должны быть внесены в общий документ.

    \n\n\n\n

    Зачет имущественного вычета в счет налога с продажи

    \n\n\n\n

    Покупая квартиру или иное жилье, каждый гражданин обладает правом на получение имущественного вычета, позволяющего вернуть налог из бюджета. Он предоставляется с учетом стоимости квартиры и уплаченных по ипотеке процентов. С этой целью установлены лимиты: 2 млн. рублей и 3 млн. рублей, соответственно. Покупая квартиру, можно вернуть до 260 тыс. рублей, а с уплаченных процентов – еще до 390 тыс. рублей.

    \n\n\n\n

    Отличие этого вычета заключается в том, что его применение доступно не только в том году, в котором была куплена квартира. Неиспользованный остаток переходит на последующие годы. Он представляет собой сумму налога к возврату, которая может быть зачтена в счет той, что подлежит оплате в бюджет за текущий период.

    \n\n\n\n

    Зачастую применить полагающийся вычет сразу не получается по причине того, что полученный годовой доход выходит меньше полного размера вычета. Поэтому его переносят на последующие годы.

    \n\n\n\n

    В следующем году и позднее можно применять остаток вычета и тем самым возвращать налог, даже если недвижимость уже давно продана.

    \n\n\n\n

    Схема может применяться собственником и в том случае, когда у него нет официальной работы, и он не оплачивает НДФЛ в бюджет. Это может быть ИП, работающий по упрощенной системе налогообложения. Или же это может быть ребенок, от лица которого родители продают его долю в квартире.

    \n\n\n\n

    Допустим, семья продала дом, приобретенный ранее за средства маткапитала. Дети имели доли в имуществе и по закону они получат доход от сделки. Скорее всего, он будет больше понесенных родителями расходов за эти доли, а значит, налог придется платить. В этом же году семью покупает другой дом, где владельцами долей опять будут дети. Каждый из них обладает правом на получение имущественного вычета за приобретение недвижимости, невзирая на возраст собственника.

    \n\n\n\n

    В рассмотренном случае полученный доход от продажи по первой сделке может быть уменьшен посредством вычета со второй покупки в том же году. За счет него можно не платить налог с детских долей. Однако позже повзрослевшие дети уже не смогут воспользоваться лимитом имущественного вычета, ведь он будет исчерпан.

    \n\n\n\n

    Какие возможности для риелтора скрывает ипотека?

    \n\n\n\n

    Приобретая недвижимость, клиенты риелтора нередко прибегают к ипотечному займу. Собственность, покупаемая в ипотеку, должна быть застрахована. Для риелтора это возможность предложить клиенту свою помощь в оформлении страхового полиса.

    \n\n\n\n
    \"\"
    \n\n\n\n

    На платформе партнерских продаж Pampadu можно выбрать страховку ипотечной собственности среди предложений от более чем 30 страховых компаний и банков. После регистрации на нашем сайте вы сможете получать комиссионное вознаграждение за каждый оформленный полис – до 60 % его стоимости.

    \n', 'Как риэлтору уменьшить налог с продажи квартиры в 2023 году', 'Собственников и риелторов интересует, как уменьшить налог при продаже квартиры. Вы узнаете о возможностях снижения налоговой базы и применении налогового вычета. ', 'publish', 'open', 'open', '', 'kak-rieltoru-umenshit-nalog-s-prodazhi-kvartiry-v-2023-godu', '', '', '2023-07-13 10:05:57', '2023-07-13 10:05:57', '', 0, 'https://pampadu.ru/blog/?p=3244', 0, 'post', '', 0), (3245, 1, '2023-07-13 10:02:33', '2023-07-13 10:02:33', '', '1030х502-5 (7)', '', 'inherit', 'open', 'closed', '', '1030h502-5-7-2', '', '', '2023-07-13 10:02:33', '2023-07-13 10:02:33', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-5-7.jpg', 0, 'attachment', 'image/jpeg', 0), (3248, 13, '2023-07-14 13:15:08', '2023-07-14 13:15:08', '\n

    Страховая компания - Альфастрахование
    Стоимость полиса - 277 254 руб.
    КВ - 37 845руб.

    \n\n\n\n

    Страховая компания - Согласие
    Стоимость полиса - 253 660 руб.
    КВ - 37 097 руб.

    \n\n\n\n

    Страховая компания - Тинькофф
    Стоимость полиса - 194 580 руб.
    КВ - 33 200 руб.

    \n\n\n\n

    ➡️ Оставьте заявку на расчет нашему менеджеру и мы поможем подобрать выгодное предложение КАСКО для вас и клиента! Доступны 22 страховые компании, все виды рисков.

    \n\n\n\n

    Напоминаем, что продукт КАСКО участвует в новой акции поэтому у вас есть шанс выиграть лучший приз!

    \n\n\n\n

    С заботой о вас,
    команда Пампаду

    \n', 'Крупные продажи полисов КАСКО в июне, оформленные через менеджеров Пампаду', '\nРассказываем про крупные продажи полисов КАСКО через менеджеров Пампаду\n', 'publish', 'open', 'open', '', 'krupnye-prodazhi-polisov-kasko-v-iyune-oformlennye-cherez-menedzherov-pampadu', '', '', '2023-07-14 13:15:08', '2023-07-14 13:15:08', '', 0, 'https://pampadu.ru/blog/?p=3248', 0, 'post', '', 0), (3249, 1, '2023-07-14 13:14:49', '2023-07-14 13:14:49', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-98', '', '', '2023-07-14 13:14:49', '2023-07-14 13:14:49', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-7.png', 0, 'attachment', 'image/png', 0), (3251, 13, '2023-07-17 11:00:30', '2023-07-17 11:00:30', '\n

    ? 500 000 рублей получили за июнь партнеры на HR продуктах.

    \n\n\n\n

    ⚡️ Выплаты 2 раза в месяц, гарантированная работа с крупными брендами, уникальные офферы - всё это про заработок на hr-вертикали!

    \n\n\n\n

    — 774 валидных заявки;
    — 30 трудоустройств.

    \n\n\n\n

    Эксклюзивные hr-офферы вы найдете➡️ здесь.

    \n\n\n\n

    Начните зарабатывать на привлечении вместе с Пампаду!

    \n', 'Уверенный старт HR- вертикали этим летом', 'Начните зарабатывать на привлечении вместе с Пампаду!', 'publish', 'open', 'open', '', 'uverennyj-start-hr-vertikali-etim-letom', '', '', '2023-07-17 11:00:30', '2023-07-17 11:00:30', '', 0, 'https://pampadu.ru/blog/?p=3251', 0, 'post', '', 0), (3252, 1, '2023-07-17 11:00:21', '2023-07-17 11:00:21', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-26', '', '', '2023-07-17 11:00:21', '2023-07-17 11:00:21', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-1-3.png', 0, 'attachment', 'image/png', 0), (3254, 13, '2023-07-17 13:02:00', '2023-07-17 13:02:00', '\n

    ?Призы по акции «Вселенная подарков» уже ждут своих победителей в офисе Пампаду!

    \n\n\n\n

    Партнеры, все внимание на баннер, на нем самые крутые гаджеты, которые принимают участие в действующем розыгрыше на Пампаду.

    \n\n\n\n

    Подробнее об акции можете прочитать➡️ здесь.

    \n\n\n\n

    Чем больше продаж, тем лучше призы и выше шансы на победу!

    \n\n\n\n

    ? Принимайте участие и торопитесь побороться за крутые подарки, время еще есть!

    \n', 'Призы по акции «Вселенная подарков» уже ждут своих победителей в офисе Пампаду!', 'Примайте участие в розыгрыше Пампаду и выигрывайте крутые гаджеты!', 'publish', 'open', 'open', '', 'prizy-po-aktsii-vselennaya-podarkov-uzhe-zhdut-svoih-pobeditelej-v-ofise-pampadu', '', '', '2023-07-17 13:02:00', '2023-07-17 13:02:00', '', 0, 'https://pampadu.ru/blog/?p=3254', 0, 'post', '', 0), (3255, 1, '2023-07-17 13:00:45', '2023-07-17 13:00:45', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-99', '', '', '2023-07-17 13:00:45', '2023-07-17 13:00:45', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-8.png', 0, 'attachment', 'image/png', 0), (3257, 1, '2023-07-18 10:02:38', '2023-07-18 10:02:38', '', 'logotip-energogarant', '', 'inherit', 'open', 'closed', '', 'logotip-energogarant', '', '', '2023-07-18 10:02:38', '2023-07-18 10:02:38', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/logotip-energogarant-e1689674567824.png', 0, 'attachment', 'image/png', 0), (3258, 13, '2023-07-18 12:39:37', '2023-07-18 12:39:37', '\n

    ?После обновления реферальной программы один наш пользователь пригласил всего 5 рефералов и уже пассивно заработал 20 000 руб.

    \n\n\n\n

    ❗️При этом только один реферал совершил продажи, остальные оставляли черновики по страховым и заявки по банковским продуктам. Подтверждение заявок по фин.продуктам может занимать 30-60 дней, так что пригласивший еще получит часть своего бонуса позже.

    \n\n\n\n

    Приглашайте коллег и знакомых, распространяйте реферальную ссылку и зарабатывайте еще больше.
    Привлекая агентов на Пампаду вы зарабатываете с их продаж по трем разным направлениям и гарантированно получаете больше, чем на других площадках.

    Подробности ➡️ здесь

    \n\n\n\n

    Партнеры, продажи рефералов зачитываются в акции: «Вселенная подарков на Пампаду» участвуйте и выигрывайте крутые гаджеты!

    \n', 'Зарабатывай на реферальной программе Пампаду', 'Рассказываем про кейс агента который заработал 20.000 рублей на пассивном доходе с реферальной программы', 'publish', 'open', 'open', '', 'zarabatyvaj-na-referalnoj-programme-pampadu', '', '', '2023-07-18 12:39:37', '2023-07-18 12:39:37', '', 0, 'https://pampadu.ru/blog/?p=3258', 0, 'post', '', 0), (3259, 1, '2023-07-18 12:27:59', '2023-07-18 12:27:59', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-100', '', '', '2023-07-18 12:27:59', '2023-07-18 12:27:59', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-9.png', 0, 'attachment', 'image/png', 0), (3262, 13, '2023-07-19 10:01:34', '2023-07-19 10:01:34', '\n

    ⚡️ Друзья, мы добавили новый отчет в инструмент \"Моя статистика\".
    Теперь вы можете отслеживать эффективность своих виджетов в режиме реального времени с помощью среза \"По виджетам\"

    \n\n\n\n

    ? Также спешим вам напомнить, что по офферу Кредитная карта 180 дней без % от Газпромбанка до конца июля действует акция - 180 дней на всегда и без условий.
    Зарабатывайте 7600 р. за каждую выданную кредитную карту!

    \n\n\n\n

    ? Создавайте новые виджеты или усовершенствуйте уже сделанные, отслеживайте статистику онлайн, анализируйте свой действия именно это приведет вас к увеличению заработка!

    \n\n\n\n

    Хороших продаж,
    команда Пампаду

    \n', 'Новый отчет по виджетам', 'Рассказываем про новый отчет по виджетам, который поможет вам отслеживать эффективность своих виджетов в режиме реального времени и увеличить свой заработок', 'publish', 'open', 'open', '', 'novyj-otchet-po-vidzhetam', '', '', '2023-07-19 10:01:34', '2023-07-19 10:01:34', '', 0, 'https://pampadu.ru/blog/?p=3262', 0, 'post', '', 0), (3263, 1, '2023-07-19 10:00:52', '2023-07-19 10:00:52', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-101', '', '', '2023-07-19 10:00:52', '2023-07-19 10:00:52', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-10.png', 0, 'attachment', 'image/png', 0), (3265, 13, '2023-07-19 13:08:24', '2023-07-19 13:08:24', '\n

    ? Наши менеджеры помогут оформить любую ипотеку, приведем примеры полисов:

    \n\n\n\n
    \"\"
    \n\n\n\n

    Страховая компания - Ингосстрах
    Банк - АльфаБанк
    КВ - 24 496 руб.
    Остаток кредита - 8 200 000 руб.
    Имущество

    \n\n\n\n
    \"\"
    \n\n\n\n

    Страховая компания - Ренессанс
    Банк - АльфаБанк
    КВ - 23 922 руб.
    Остаток кредита - 3 000 000 руб.
    Имущество

    \n\n\n\n
    \"\"
    \n\n\n\n

    Страховая компания - Ренессанс
    Банк - Сбербанк
    КВ - 19 896 руб.
    Остаток кредита - 7 000 000 руб.
    Жизнь и имущество, дом

    \n\n\n\n

    Инструкция по оформлению здесь 

    \n\n\n\n

    Если вы новичок в ипотечном страховании, для вас подготовили презентацию и обучающий вебинар 

    \n\n\n\n

    С заботой о вас,
    команда Пампаду

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    Сервис партнерских продаж Pampadu приглашает к сотрудничеству любых специалистов рынка недвижимости. С нами взаимодействуют как отдельные агенты по недвижимости, так и риелторские конторы. Сегодня мы расскажем, как продать квартиру с материнским капиталом, оформив сделку в рамках действующего закона.

    \n\n\n\n

    В 2023 году размер маткапитала в России был снова увеличен. Мера государственной поддержки была проиндексирована на 11,9 %. Но эту выплату можно использовать только на определенные цели – например, на образование ребенка или улучшение его жилищных условий. Чаще всего семьи применяют маткапитал для покупки жилья, в том числе приобретая недвижимость в ипотеку. Однако если семья решит потом продать жилье, купленное с помощью такой субсидии, могут возникнуть некоторые сложности. Рассмотрим, как можно продать недвижимость, которая была ранее приобретена на средства маткапитала, и какие риски несет такая сделка.

    \n\n\n\n

    Можно ли перепродать квартиру, купленную за счет материнского капитала

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    Выплаты родителям в рамках мер социальной поддержки определяются:

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    Недвижимость, купленную за материнский сертификат, разрешается продавать. Главное – соблюсти установленные законодательством условия. Органы опеки контролируют проведение сделок с долями несовершеннолетних. Государственная организация должна дать свое согласие на отчуждение такого имущества. Получить его возможно, если родители смогут предоставить детям другое жилье, с аналогичными или улучшенными условиями. 

    \n\n\n\n

    Какие условия выдвигают к продаже квартиры с маткапиталом

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    Для продажи недвижимости, купленной за счет материнского капитала, нужно выполнить ряд условий:

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    За правильным распоряжением родителями семейным капиталом следят СФР и органы опеки. В случае обнаружения противоправных действий также могут быть привлечены органы прокуратуры.

    \n\n\n\n

    Срок реализации квартиры, купленной с материнским семейным капиталом

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    Недвижимость, приобретенную с использованием маткапитала, допустимо продать в любой момент. Законодательство не накладывает никаких ограничений на подобные сделки. Однако стоит учитывать минимальный срок владения имуществом. Если квартира находится во владении семьи менее 5 лет, придется заплатить налог на прибыль от ее продажи.

    \n\n\n\n

    Главным ограничением выступает потребность в разрешении на сделку от органов опеки и попечительства. Если одобрение не выдано, то нотариус не сможет заверить такое соглашение. А сотрудники Росреестра, в свою очередь, не зарегистрируют переход прав на имущество к новому владельцу.

    \n\n\n\n

    Продажа квартиры, которую приобрели за материнский капитал: порядок действий

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    Перед продажей такого имущества необходимо подобрать иное жилье, подходящее для проживания детей. Также нужно найти покупателя для имеющейся недвижимости. Заручившись согласием органа опеки, вам останется только подписать основной договор и зарегистрировать переход имущественных прав.

    \n\n\n\n

    Поиск новой недвижимости или выплата денежной компенсации

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    Недвижимость, которую приобретают взамен имеющейся, должна обеспечивать комфортные условия для проживания детей:

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    Сделки по покупке новой собственности и продаже имеющейся проводятся одновременно. Чтобы выполнить это условие, на каждый объект недвижимости составляется предварительный договор о намерении совершить сделку. Подписанные бумаги заверяют в нотариате.

    \n\n\n\n

    Альтернативой выделения доли в новой квартире может стать ее денежная компенсация несовершеннолетнему, если на это даст согласие орган опеки. В этом случае потребуется провести оценку доли ребенка и оформить на его имя отдельный банковский счет для перевода средств.

    \n\n\n\n

    Поиск покупателей на старую квартиру

    \n\n\n\n

    Некоторые покупатели остерегаются приобретать недвижимость, купленную ранее за средства материнского капитала. Если собственник не выделил детям положенные доли или не получил одобрение социальной опеки на продажу, договор могут аннулировать.

    \n\n\n\n

    После того, как семья нашла покупателя и подобрала вариант нового жилья для себя, нужно договориться о предстоящей сделке. Рекомендуем составить преддоговор купли-продажи. Далее нужно сообщить органам социальной опеки о готовности родителей обеспечить детям равноценные доли в другом объекте недвижимости. Если все условия соблюдены, сделку можно закрыть за короткий срок.

    \n\n\n\n

    Получение разрешения на отчуждение собственности

    \n\n\n\n

    Органами соцопеки и СФР выдается разрешение на продажу жилья, среди собственников которой есть лица, не достигшие 18 лет. В СФР необходимо обратиться с заявлением, чтобы узаконить свои намерения распорядиться подобным образом привлеченными средствами материнского сертификата.

    \n\n\n\n

    Если собственность приобретена на условиях ипотеки, потребуется также получить согласие банка на перепродажу – без одобрения договора заимодателем он будет признан незаконным.

    \n\n\n\n

    В орган опеки потребуется предоставить:

    \n\n\n\n\n\n\n\n

    Пакет документов тщательно изучается и в течение 15 дней формируется решение – согласие либо отказ в согласовании сделки.

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    Заключение сделки

    \n\n\n\n

    Сделки по продаже старой квартиры и приобретению новой регистрируют параллельно, с нотариальным заверением.

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    Нотариусу нужно предоставить следующие документы:

    \n\n\n\n\n\n\n\n

    Регистрация прав на собственность 

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    Зарегистрировать отчуждение права собственности можно в МФЦ, банке или обратившись в территориальное отделение Росреестра. На руках у вас должны быть: правоустанавливающие документы, заверенный нотариусом договор купли-продажи и документация с техническими характеристиками квартиры. Также потребуется оплатить госпошлину. Спустя неделю новый владелец сможет получить выписку из ЕГРН на свое имя.

    \n\n\n\n

    Варианты реализации ипотечной квартиры с привлечением материнского капитала

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    Часто сумму маткапитала используют для покрытия ипотечного займа. Такие действия необходимо согласовать с органами опеки как в случае выделения долей детям, так и без их предоставления. 

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    Затем определяют условия реализации недвижимости:

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    Если для погашения ипотечного займа используют материнский сертификат, нужно составить у нотариуса обязательство. В этом документе указывают, что ребенку выделят часть жилплощади в новой квартире после погашения кредитной задолженности. Выполнить это условие необходимо в течение полугода после снятия обременения с недвижимости.

    \n\n\n\n

    Придется ли платить налог на доход, вырученный от продажи квартиры

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    Согласно НК РФ вносить налоговый сбор на полученный доход не нужно, если квартира находится в собственности семьи свыше 5 лет. Также исключение допускается для семейных пар, имеющих двух и более несовершеннолетних иждивенцев. В иных случаях установлена фиксированная налоговая ставка на полученный от продажи доход – 13 % от стоимости квартиры согласно договору. 

    \n\n\n\n

    Как рассчитать сумму налога к уплате

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    Если цена квартиры, указанная в договоре, составляет не более 70% кадастровой, то доходом считается не сумма продажи, а этот показатель. Если в договоре указывается стоимость квартиры, превышающая 70 % кадастровой оценки, то ФНС подсчитывает налог с суммы продажи по договору. Это правило применяется при продаже жилья, приобретенного не ранее 2016 года.

    \n\n\n\n

    В учет берут оценку недвижимости по состоянию на 1 января того календарного года, в котором была проведена регистрация прав собственности нового владельца. 

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    Риск продажи недвижимости, приобретенной с привлечением маткапитала

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    Первоочередную роль играет обоснование проведения сделки перед органами опеки и банком. Если собственник не получит разрешение контролирующих органов до продажи квартиры, то они могут подать судебный иск. В этом случае действия родителей будут расценены как административное правонарушение.

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    После покупки новой квартиры важно выделить детям доли требуемого размера и в установленные сроки. Если органы опеки выявят ущемление имущественных прав ребенка, то сделка будет аннулирована в судебном порядке. Квартиру потребуют возвратить предыдущему владельцу, а денежные средства – несостоявшимся покупателям.

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    Как риелтору можно увеличить свой доход?

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    Умение работать со сложными объектами относится к преимуществам любого риелтора. Расширить круг своих навыков и умений вам также поможет участие в партнерской программе Pampadu. 

    \n\n\n\n

    Наша платформа предоставляет новые возможности для работы с финансовыми и страховыми офферами. Независимо от имеющегося опыта в продажах сотрудничество с Пампаду станет вашим конкурентным преимуществом и позволит оказывать клиентам дополнительные услуги. 

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    Например, вы можете получать комиссионные выплаты за каждый оформленный полис – до 60 % от его стоимости. Для этого нужно зарегистрироваться на платформе Pampadu и воспользоваться своим личным кабинетом.

    \n', 'Как риэлтору продать квартиру с материнским капиталом', 'Многих агентов по недвижимости интересует вопрос, как продать квартиру с материнским капиталом. Рассказываем, как это сделать на законных основаниях, без риска признания сделки неправомерной.', 'publish', 'open', 'open', '', 'kak-rieltoru-prodat-kvartiru-s-materinskim-kapitalom', '', '', '2023-07-20 11:05:52', '2023-07-20 11:05:52', '', 0, 'https://pampadu.ru/blog/?p=3272', 0, 'post', '', 0), (3273, 1, '2023-07-20 11:03:11', '2023-07-20 11:03:11', '', '1030х502-2 (7)', '', 'inherit', 'open', 'closed', '', '1030h502-2-7-2', '', '', '2023-07-20 11:03:11', '2023-07-20 11:03:11', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-2-7.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3275, 15, '2023-07-20 11:16:57', '2023-07-20 11:16:57', '\n

    Иногда владелец решает перепродать ипотечную квартиру – к примеру, чтобы приобрести жилье большей площади или в связи со сменой места жительства. Подобные сделки в практике риелтора – не редкость. 

    \n\n\n\n

    Сервис партнерских продаж Пампаду обобщил для вас информацию о сделках с ипотечной недвижимостью и подготовил краткий обзор по теме. Рассказываем обо всех решениях вопроса, как продать квартиру в ипотеке.

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    Ограничения при продаже собственности, которая находится в ипотеке

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    Недвижимость, покупаемая в ипотеку, находится в залоге у банка до тех пор, пока кредит не будет полностью погашен. Информация об этом вносится в ЕГРН. Поэтому просто так реализовать ипотечную квартиру не получится. Найдя сведения об ипотеке, специалисты Росреестра откажут в регистрации перехода прав на имущество новому собственнику.

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    Ипотечную недвижимость можно продать двумя способами:

    \n\n\n\n
    1. Снять обременение перед продажей собственности. Для проведения сделок с недвижимостью нужно сначала полностью закрыть долг по ипотечному кредиту. После этого банк предоставляет владельцу документы для снятия обременения или сам передает необходимые сведения в Росреестр, чтобы запись о том, что собственность находится в ипотеке, была удалена.
    2. Заручиться согласием банка на продажу. Положительный исход такого варианта маловероятен, поскольку банку придется пойти на некоторый риск.
    \n\n\n\n

    Существует несколько вариантов решения вопроса, как снять обременение с имущества и продать квартиру. Рассмотрим их подробнее.

    \n\n\n\n

    Продавец закрывает ипотеку собственными силами

    \n\n\n\n

    В этом случае продавец должен сам изыскать средства, чтобы погасить ипотеку. Он может взять кредит на потребительские нужды, воспользоваться собственными денежными накоплениями, продать иное имущество, одолжить деньги у родственников или бизнес-партнеров.

    \n\n\n\n

    Это наиболее предпочтительный вариант для всех сторон сделки – продавца, покупателя и банка. При таком решении вопроса владелец жилья может рассчитывать на то, что стоимость его квартиры будет соответствовать рыночному спросу. Ведь имущество уже не будет обременено. Покупатель, в свою очередь, будет нести меньше рисков при заключении сделки.

    \n\n\n\n

    Покупатель передает собственнику деньги на погашение ипотеки

    \n\n\n\n

    Покупатель может предоставить денежные средства владельцу, чтобы тот смог закрыть ипотечный кредит. Обычно деньги передают с предоставлением письменного обязательства – под расписку или опираясь на положения предварительного договора купли-продажи.

    \n\n\n\n

    После закрытия ипотечного кредита банк снимет с квартиры обременение. Затем продавец и покупатель подписывают основной договор купли-продажи, согласно которому право собственности переходит новому владельцу.

    \n\n\n\n

    Этот вариант – рискованный для покупателя, но удобный с точки зрения продавца. Поэтому покупатель должен постараться минимизировать для себя риски, тщательно проверив собственника и предмет сделки. Нужно убедиться, что владелец не планирует потратить деньги, переданные покупателем для погашения кредита, на другие цели. Также нужно учесть, что собственник может в любой момент передумать и отказаться от сделки.

    \n\n\n\n

    Этих рисков позволяет избежать заключение преддоговора, в котором детально описываются права и обязательства сторон, а также взаимная ответственность за неисполнение взятых на себя обязанностей. 

    \n\n\n\n

    Если новый собственник останется от сделки в плюсе, значит она того стоит. Покупателю нужно внимательно изучить полный комплект документов на недвижимость. Для этого стоит обратиться за помощью к юристу. Чтобы дополнительно обезопасить себя, можно лично сопровождать продавца во время передачи денежных средств банку.

    \n\n\n\n

    Сделка по продаже ипотечной квартиры полностью курируется банком

    \n\n\n\n

    Это наиболее надежный способ. При таком решении вопроса ипотечная квартира продается с согласия банка, который сам занимается сделкой от начала и до конца. Такая операция не только менее рискованная, но даже выгодная и для покупателя, и для продавца. Различают два вида подобных сделок.

    \n\n\n\n

    В первом случае новый покупатель оформляет кредит в том же банке, что и предыдущий, и таким образом рассчитывается с продавцом квартиры. Банк фиксирует движение денежных средств по сделке и обеспечивает оформление перехода права собственности на объект к новому покупателю. А продавец, в свою очередь, погашает открытый на него ипотечный кредит.

    \n\n\n\n

    Второй вариант предусматривает переоформление кредита на иное лицо. Тогда новый покупатель становится не просто собственником квартиры, но и заемщиком по ипотеке от банка. То есть проводят процедуру переоформления ипотеки с участием трех сторон сделки: продавца, который ранее выступал в роли покупателя, банка и нового покупателя имущества. Предмет залога переходит к новому собственнику.

    \n\n\n\n

    Если банк согласен на продажу квартиры без погашения кредита, то все действующие по ипотеке условия сохраняются для нового покупателя – процент и срок по кредиту, ежемесячный платеж, остаток задолженности.

    \n\n\n\n

    Шансы на согласие банковской организации выше, если покупка залоговой недвижимости проходит в том же городе, где была оформлена ипотека.

    \n\n\n\n

    Какой из вариантов выбрать

    \n\n\n\n

    Прежде, чем выбрать один из перечисленных способов заключения сделки, продавец и покупатель должны уведомить о своих намерениях банковскую организацию. Иначе переход прав собственности не будет зарегистрирован.

    \n\n\n\n

    Не стоит опасаться подобных сделок – наоборот, это шанс для риелтора показать свои знания. Он должен проверить документы, проинформировать своего клиента о рисках и предложить оптимальный способ решения вопроса. Важно, чтобы агент по недвижимости говорил с сотрудниками банка на одном языке – это упростит коммуникацию и ускорит процесс оформления сделки.

    \n\n\n\n

    Одобрят ли сделку, если продавец задерживал ежемесячные платежи по ипотеке

    \n\n\n\n

    Причины, которые вынуждают собственника продать квартиру, могут быть различными. Средний срок ипотеки в 2022 году, по данным Центробанка, превышает 24 года. За такой длительный период у заемщика может измениться уровень дохода или возникнуть непредвиденные жизненные проблемы.

    \n\n\n\n

    Независимо от причины продажи, банк обязательно проверит собственника и его кредитную историю. Проверен будет и объект недвижимости. Если платежи стали для заемщика неподъемными, то кредитная организация будет даже заинтересована в переоформлении ипотеки на другого человека. Окончательное решение всегда остается за банком.

    \n\n\n\n

    Хотите получать от риелторства больший доход?

    \n\n\n\n

    Тогда рассмотрите преимущества сервиса Pampadu – площадки для размещения офферов партнерского маркетинга. Участие в нашей программе доступно для каждого, независимо от юридического статуса и опыта в продажах.

    \n\n\n\n
    \"\"
    \n\n\n\n

    Ипотека иногда становится единственной возможностью человека улучшить свои жилищные условия. Страхование имущества на весь период кредита – обязательное требование закона «Об ипотеке». Оно защищает от возможных рисков и банк, и заемщика. 

    \n\n\n\n

    А для риелтора это возможность предложить клиенту свою помощь в оформлении страхового полиса. Дополнительно вы можете порекомендовать заемщику застраховать свою жизнь и здоровье, чтобы обезопасить от непредвиденных случаев себя и свою семью.

    \n\n\n\n

    Зарегистрировавшись на нашем сайте в качестве партнера, вы сможете гарантированно получать комиссионное вознаграждение за каждый оформленный полис – до 60 % от его стоимости. Совмещая риелторскую деятельность с участием в нашей программе, можно увеличить свой заработок в 2-3 раза!

    \n', 'Как риэлтору продать квартиру в ипотеке', 'Расскажем вам о том, как продать квартиру в ипотеке. Кто может погасить ипотечную задолженность? Какие есть ограничения при продаже собственности с обременением? Ответы на эти вопросы вы найдете в нашей статье.', 'publish', 'open', 'open', '', 'kak-rieltoru-prodat-kvartiru-v-ipoteke', '', '', '2023-07-20 11:16:57', '2023-07-20 11:16:57', '', 0, 'https://pampadu.ru/blog/?p=3275', 0, 'post', '', 0), (3276, 1, '2023-07-20 11:11:47', '2023-07-20 11:11:47', '', '1030х502-3 (8)', '', 'inherit', 'open', 'closed', '', '1030h502-3-8-2', '', '', '2023-07-20 11:11:47', '2023-07-20 11:11:47', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-3-8.jpg', 0, 'attachment', 'image/jpeg', 0), (3278, 15, '2023-07-20 11:25:48', '2023-07-20 11:25:48', '\n

    В ряде случаев законодательством предусматривается обязательное выделение имущественных долей детям. Например, выделение долей несовершеннолетним предусмотрено при покупке жилья с использованием материнского капитала. 

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    Но как быть, если такое имущество необходимо продать? Агентам по недвижимости в работе регулярно приходится сталкиваться с подобными ситуациями, поэтому риелтор должен быть готов рассказать нюансы такой сделки своему клиенту. Специалисты сервиса партнерских продаж Pampadu изучили этот вопрос и выяснили, как продать квартиру с долями на детей. Делимся с вами информацией о том, в каких случаях в проведении сделки могут отказать.

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    С чего начать

    \n\n\n\n

    Согласно ч. 2 ст. 37 ГК РФ продажа собственности, часть которой принадлежит несовершеннолетнему лицу, происходит по согласованию с органами опеки. Если ребенку еще нет 14 лет, сделкой от его имени занимается мать или отец. Если родителей нет или они лишены родительских прав, решение принимает законный опекун несовершеннолетнего. 

    \n\n\n\n

    Ребенка младше 6 лет считают полностью недееспособным, и вся ответственность за него возлагается на законных представителей. 

    \n\n\n\n

    Ребенка возраста 6-14 лет уже считают частично дееспособным, но он пока не может ставить свою подпись на документах. Вместо него это делает в договоре купли-продажи один из родителей. Но перед тем родители должны направиться в орган опеки и добиться от него предварительного разрешения на продажу детской доли.

    \n\n\n\n

    Если иждивенец достиг 14 лет, его считают ограниченно дееспособным, и он тоже будет участвовать в сделке. Но потребуется письменное согласие на это родителей.

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    Планируя совершить сделку, вы должны учитывать имущественные права ребенка. Орган опеки не разрешит продать квартиру, в которой имеется доля несовершеннолетнего, если родители планируют воспользоваться выручкой от продажи не в его интересах. Например, эти деньги нельзя использовать для погашения кредита или приобретения автомобиля.

    \n\n\n\n

    Если ребенку исполнилось 18 лет, то его считают полностью дееспособным: он может единолично распоряжаться своим имуществом и подписывать документы.

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    Как добиться согласия органа опеки на продажу квартиры

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    Прежде, чем приступать к поиску покупателя, нужно заручиться согласием органов опеки по месту проживания ребенка. По закону за место проживания несовершеннолетних до 14 лет принимают место проживания их родителей. Социальная опека отталкивается от положения, что место жительства ребенка соответствует его прописке. Даже если семья переехала в другой регион, но регистрация ребенка сохранена по старому адресу, вероятно, родителям придется вернуться, чтобы заручиться одобрением на сделку. Опека другого региона может отказать в рассмотрении заявления, даже если члены семьи оформили временную регистрацию по новому месту проживания.

    \n\n\n\n

    В каждом региональном субъекте устанавливаются свои требования к пакету документов, который необходимо собрать для получения разрешения. Обязательно потребуют указать:

    \n\n\n\n\n\n\n\n

    Относительно каждого предмета сделки потребуется предоставить свидетельства о праве собственности от владельцев, выписку из ЕГРН и копии паспортов участников сделки.

    \n\n\n\n

    Продажа собственности, доля в которой принадлежит ребенку, не допускается без гарантий обеспечения для него таких же или улучшенных условий проживания. Эта норма отражена в ст. 60 СК РФ, ст. 28, 37 ГК РФ и ст. 19 закона «Об опеке и попечительстве». Полученное разрешение вместе с пакетом стандартных документов предоставляется в отделение Росреестра при регистрации отчуждения недвижимости.

    \n\n\n\n

    Как поступить, если соцзащита не согласна на продажу

    \n\n\n\n

    Если органы опеки откажут вам в согласии на сделку, то это решение можно оспорить в судебном порядке. Для этого нужно доказать, что предстоящую сделку проводят в интересах ребенка – например, с целью покупки новой квартиры большего размера, что улучшит условия проживания ребенка. В подобной ситуации суд может признать, что органы опеки нарушают права ребенка, препятствуя в продаже имеющейся долевой собственности.

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    Органы опеки могут не указывать предпосылки отказа, но такое решение может быть принято в случаях, если:

    \n\n\n\n\n\n\n\n

    Нужно учитывать, что основания для сделки должны быть существенными. В случае переезда подойдет жилье с аналогичными условиями проживания. Если планируется приобретение недвижимости, которая не подключена к сетям коммуникаций или находится в худшем состоянии, чем имеющееся жилье, то вероятность оспорить протест органа опеки невелика. Учитывают не только состояние жилища, но и наличие удобной инфраструктуры, транспортная развязка, доступность учреждений образования и здравоохранения. Орган опеки и попечительства предоставит свой ответ в течение двух недель с дня подачи заявления.

    \n\n\n\n

    Оценка рисков при покупке квартиры с долей ребенка

    \n\n\n\n

    Основной загвоздкой при продаже такой долевой квартиры выступает потребность заручиться разрешением органа опеки. Риелтор должен быть готов объяснить сторонам схему и сложность сделки. Поэтому покупатели такой собственности заинтересованы о включении в преддоговор купли-продажи сведений о передаче задатке. 

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    Договор о задатке можно оформить также отдельным документом. Если орган опеки не одобрит сделку, продавец обязуется выплатить несостоявшемуся покупателю задаток в двукратном размере. Если же сделка не состоится по вине покупателя, то задаток останется у продавца.

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    Опасность подобной сделки для покупателя кроется в том, что ее можно оспорить в суде и признать недействительной. Сделать это может не только орган опеки, но и любое заинтересованное, по мнению суда, лицо. Чаще всего в роли заявителей выступает родня ребенка. Подобные дела в рамках судебного производства обычно тянутся долго – проводятся проверки, привлекаются представители органа опеки и попечительства, может быть назначена экспертиза оценки жилищных условий на предмет ухудшения.

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    Если родители привлекали маткапитал для приобретения недвижимости и наделили детей долями в ней, то дети считаются равноправными собственниками с родителями.

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    К примеру, семья покупает квартиру в ипотеку и для ее окончательного закрытия решает воспользоваться материнским капиталом. Привлекая эти средства, родители дают обещание перед СФР составить соглашение о выделении имущественных долей детям. Соответственно, средства маткапитала используются для погашения ипотеки. Затем такое жилье выставляется на продажу, но родители так и не наделили детей причитающимися им частями имущества. Подобные ситуации – не редкость, хоть и считаются грубым нарушением. Поскольку опекуны нарушили обязательства перед СФР, сделку могут признать неправомерной.

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    Перед совершением подобной сделки покупателю рекомендуется запросить полный пакет документов. Владельцы жилья должны предоставить справку из СФР о состоянии счета, в которой указано, использовался семейный сертификат для покупки имущества или нет. Также стоит потребовать уведомление из банка о том, что маткапитал для погашения ипотеки не привлекался.

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    Необходимо ли заверять сделку в нотариате?

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    В отличие от других сделок купли-продажи имущества, отчуждение недвижимости с долями детей обязательно должно заверяться нотариусом. С 2016 года проведение таких сделок усложнилось, без нотариально заверенного договора специалисты Росреестра откажут в регистрации перехода прав собственности. 

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    Учтите, что согласно ч. 3 ст. 37 ГК РФ покупателями детской доли не могут быть законные опекуны ребенка, а также близкая родня таких лиц.

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    Как поступить, если вы хотите продать долевое имущество, не покупая новое жилье

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    В этой ситуации получить одобрение сделки можно только, если деньги от реализации имущества будут перечислены на специальный банковский счет. Чтобы защитить права несовершеннолетнего, такой депозит открывается на его имя.

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    Сотрудник опеки может потребовать, чтобы в качестве заявителей присутствовали все участники сделки с необходимыми правоустанавливающими документами.

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    Если семья перебирается в другой регион, то для приобретения новой квартиры ей сначала необходимо продать имеющееся жилье. В этом случае опека может одобрить отчуждение детской доли, но поставит условие о перечислении денежных средств на спецсчет ребенка. Такие меры служат гарантией того, что его права не пострадают и он останется обеспечен жильем. По крайней мере, долю в праве собственности можно приобрести, сняв деньги со спецсчета.

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    Открыть счет в банковской организации на ребенка до 14 лет может только его законный представитель.

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    Что произойдет, если не перевести средства, вырученные от продажи доли, на спецсчет ребенка

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    Реализовав квартиру, нужно выполнить требования, которые выдвинула служба соцзащиты. Их несоблюдение может привести к судебному разбирательству и аннулированию сделки.

    \n\n\n\n

    Невыполнение договоренностей с органом опеки приведет к признанию сделки нелегальной. Среди судебных определений достаточно прецедентов, когда решением суда согласие органа опеки было признано неполученным, поскольку условия совершения сделки не были соблюдены.

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    Согласно ч. 2 ст. 167 ГК РФ, если сделка признается неправомерной, стороны должны возвратить все полученное по ней. Если невозможно вернуть полученное имущество в натуральном виде – придется возместить его цену, если другие варианты не оговорены законом. 

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    Признав сделку несостоявшейся, суд обяжет продавца отдать деньги покупателю. Неисполнение судебного постановления, в свою очередь, влечет за собой уголовную ответственность.

    \n\n\n\n

    При рассмотрении подобных споров суды стараются избегать общего подхода, чтобы точно выяснить, нарушены ли права ребенка. Если вы докажете, что деньги детей находятся в сохранности и не ушли на личные нужды родителей, иск органов соцзащиты будет отклонен. 

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    Некоторые родители обращают внимание на то, что деньги на спецсчет класть невыгодно, поскольку происходит инфляция. Однако лучше избегать спорных ситуаций – сначала переведите сумму на спецсчет, а затем, получив согласие социальной опеки, переведите их на вклад, открытый на имя ребенка.

    \n\n\n\n

    Можно ли направить вырученные от продажи доли деньги на оплату обучения ребенка

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    Если вы известите органы опеке о подобных планах, то они не одобрят продажу доли ребенка. Согласно ГК РФ и закону «Об опеке и попечительстве» запрещено уменьшать размер имущества несовершеннолетнего. Поэтому ваши действия будут признаны незаконными и сделка на подобных условиях не состоится.

    \n\n\n\n

    В ст. 63 СК РФ указано, что планирование развития и обучения ребенка относится к непосредственным обязанностям родителей. Поэтому ваше желание направить полученные от продажи имущества деньги на обучение ребенка могут воспринять как попытку уклонения от своих родительских обязанностей. 

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    Как можно распорядиться деньгами со спецсчета ребенка

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    Потратить капитал, который хранится на счете ребенка, можно только с разрешения органов опеки. Как и в случае с продажей жилой недвижимости, необходимо доказать, что средства пойдут на нужды несовершеннолетнего.

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    Установленного списка целей, на которые можно использовать деньги со счета ребенка, нет. Вероятнее всего, опека, не откажет в случае:

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    1. Ребенку требуется дорогое лечение, что подтверждается медицинской справкой.
    2. Запланирована покупка новой квартиры, в которой ребенку выделят долю.
    3. Средства пойдут на оздоровительную путевку для ребенка.
    4. Нужно оплатить обучение ребенка.
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    Оба родителя должны быть согласны распорядиться деньгами с детского счета определенным образом, даже если они состоят в разводе. Согласие второго родителя не потребуется в случае: 

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    Когда ребенку исполнится 18 лет, он сможет лично использовать деньги, находящиеся на счете.

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    Сколько времени отведено на приобретение квартиры

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    Законодательством не предусмотрен конкретный срок, отводимый законным опекунам ребенка на покупку иного жилья. Несмотря на это, попечительные органы поинтересуются этим вопросом прежде, чем предоставить вам разрешение. Чаще сделка одобряется только при условии приобретения нового жилья одновременно с продажей имеющейся недвижимости. Опека не допустит, чтобы дети остались без жилья.

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    Поэтому, выставив квартиру на продажу и найдя покупателя, лучше за короткий срок подыскать иное жилье и получить согласие органов опеки. Работник опеки должен будет приехать в новое жилье и убедиться, что оно пригодно для проживания.

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    Когда продают квартиру, нельзя выписывать ребенка в никуда. Если детей выписывают из одного адреса, то их сразу необходимо зарегистрировать по другому. Это усложняет продажу имущества, для совершения которой прописанных в квартире быть не должно. А чтобы прописать ребенка в новой квартире, ее необходимо сначала приобрести. 

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    Опека установила срок продолжительностью шесть дней со дня регистрации перехода прав собственности: сразу же после сделки родители должны зарегистрировать детей в новом жилье. Если семья не успевает купить квартиру в течение шести дней, тогда ребенка можно временно прописать у родственников.

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    Всегда ли нужно выделять долю ребенку в новой квартире

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    Для поиска ответа на этот вопрос изучают разрешение органа опеки на сделку. Если в нем указано такое требование, то выделить долю ребенку нужно. Иначе орган опеки добьется этого в судебном порядке.

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    Если же разрешением предусмотрена обязанность родителей перечислить деньги, вырученные от продажи детской доли, на спецсчет, то выделять долю в новом жилье не обязательно. В этом случае ребенок получил полагающееся ему имущество в денежном эквиваленте.

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    Родители могут положить ему на счет деньги от реализации квартиры, если у ребенка есть равноценная доля в другом жилье и в новом он попросту не нуждается.

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    Как происходит продажа квартиры с долями детей, если супруги решили развестись

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    Супруги имеют одинаковые права на квартиру, купленную ими в браке. Каждый из них имеет право в ней проживать, но не имеет право свободно распоряжаться долями, выделенными детям. При разводе такая собственность подлежит по закону разделу. Но продать свою долю стороннему покупателю будет трудно. Верховный Суд РФ придерживается точки зрения, что если отчуждение родительской доли в общем имуществе ущемляет права ребенка, то оно не допустимо.

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    Если же квартира была приобретена одним из родителей вне брака или получена иным способом, то второй никаких прав распоряжаться таким имуществом не имеет. 

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    Какие еще возможности открывают для риелтора сделки с недвижимостью?

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    Ипотечное кредитование и право использовать материнский капитал расширили возможности покупателей недвижимости. Но это усложняет проведение сделки, поэтому в таких случаях они обычно обращаются за помощью к риелтору.

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    \"\"
    \n\n\n\n

    Для агента по недвижимости это отличный шанс не только показать свои знания и опыт, но и расширить клиентскую базу. А при покупке жилья в ипотеку вы сможете предложить клиенту оформить страхование кредитной недвижимости с вашей помощью.

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    Сделать это несложно – достаточно зарегистрироваться на сервисе партнерских продаж Пампаду и изучить представленные на площадке офферы по страхованию. Найдя для клиента подходящую страховку, вы сможете оформить полис онлайн, потратив на это не более 10 минут. Клиент получит страховку по сниженной цене, а вы – комиссионную выплату в размере до 60 % от стоимости полиса.

    \n', 'Как риэлтору продать квартиру с долями детей', 'Раскрываем все нюансы того, как продать квартиру с долями на детей. Расскажем, могут ли признать такую сделку незаконной. Из статьи вы также узнаете, как можно поступить с деньгами, вырученными от продажи детской доли.', 'publish', 'open', 'open', '', 'kak-rieltoru-prodat-kvartiru-s-dolyami-detej', '', '', '2023-07-20 11:25:48', '2023-07-20 11:25:48', '', 0, 'https://pampadu.ru/blog/?p=3278', 0, 'post', '', 0), (3279, 1, '2023-07-20 11:21:17', '2023-07-20 11:21:17', '', '1030х502-4 (8)', '', 'inherit', 'open', 'closed', '', '1030h502-4-8-2', '', '', '2023-07-20 11:21:17', '2023-07-20 11:21:17', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-4-8.jpg', 0, 'attachment', 'image/jpeg', 0), (3281, 15, '2023-07-20 11:32:44', '2023-07-20 11:32:44', '\n

    Сервис партнерских продаж Pampadu сотрудничает со специалистами рынка недвижимости на регулярной основе. Независимо от имеющихся у вас навыков и клиентской базы, участвовать в нашей партнерской программе сможет любой агент. Сегодня мы расскажем, какие программы для риелтора помогут вам в работе.

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    Приложения для риелторов – это программы, которые позволяют агентам по недвижимости систематизировать информацию по объектам и сделкам, увеличить производительность и скорость своей работы. Для удобства работы такие приложения обычно имеют десктопную и мобильную версии, но некоторые из них изначально адаптированы под самртфоны.

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    Лучшие приложения по недвижимости для агентов

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    Агентству по недвижимости не обойтись в своей работе без использования CRM-системы. Такое программное обеспечение направлено на контроль взаимодействия между клиентами и сотрудниками, оно обеспечивает автоматизацию многих бизнес-процессов компании.

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    Что должна уметь CRM-система для риелторского агентства:

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    Но к программам для риелторов относятся не только CRM-системы, хотя многие приложения имеют эту функцию.

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    Мы составили свой перечень популярных российских программ по работе с объектами недвижимости. 

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    1. Спутник недвижимости. Облачная CRM-система, которая снабжена всеми необходимые для риелтора функциями, в том числе системой напоминаний в Telegram, записью звонков, выгрузкой на доски объявлений.
    2. РиэлтМенеджер. Программа предоставляет большие возможности в управлении риелторским агентством. Имеет множество полезных инструментов – например, функцию работы с альтернативными сделками.
    3. SmartAgent. В эту CRM интегрирована собственная виртуальная АТС, что расширяет ее функции для телефонии.
    4. АрендаСофт. Инструмент позволяет привести учет недвижимости в порядок, создать единую базу арендаторов, контролировать занятость и коммунальные платежи по объектам аренды.
    5. HomeCRM. Эту CRM отличает от других мультилистинг – функция доступа к базам данных других участников по соглашению о взаимном обмене информацией.
    6. Риелтор ПРО WEB. Система имеет функции CRM, создания собственного сайта и ведения SMM.
    7. Мобильные приложения «Этажи» и «ПИК». В базе самого большого агентства недвижимости России находятся только проверенные квартиры и другие объекты. А мобильное приложение от застройщика позволяет купить квартиру онлайн.
    8. Move.ru. На этом сервисе не меньше предложений на покупку квартир, чем на ЦИАН. 
    9. «1С: Аренда и Управление недвижимостью» и «1С: Риелтор. Управление продажами недвижимости». Комплексные программные продукты для риелторских агентств, строительных и девелоперских компаний.
    10. Rentor и Locals. Мобильные приложения для сдачи и съема жилья в аренду в Москве и Московской области. Сервисы в реальном времени мониторят популярные площадки и отбирают объявления по вашим критериям.
    \n\n\n\n

    Приложения из списка можно использовать не только для автоматизации задач и организации рабочих процессов. Некоторые из них помогут риелтору в наработке клиентской базы, оценке собственности, поиске объектов.

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    Какое приложение для риелторов самое надежное

    \n\n\n\n

    Иностранные компании, которые одними из первых разработали специализированные приложения, годами доминировали в отрасли недвижимости. К таким программам относятся Zillow и Trulia, которые до сих пор лидируют на международном рынке. Но эти приложения не популярны в России и не имеют русифицированных версий.

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    Какими базами недвижимости пользуются российские риелторы

    \n\n\n\n

    К популярным базам, которыми пользуются специалисты, связанные с рынком собственности, относятся:

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    Отдельно стоит остановиться на информационной базе собственности WinNER – профессиональном инструменте для агентств недвижимости и частных риелторов. Это самая полная информационная база предложений по продаже и аренде собственности в Москве и Московской области.

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    Как организовать учет объектов недвижимости

    \n\n\n\n

    Риелтору приходится работать с большими объемами информации. Вести учет по объектам недвижимости можно в любой программе с таблицами – например, в Microsoft Excel. Но продуктивность такой работы будет крайне мала. Структурировать информацию помогают специальные программы для учета недвижимости. 

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    Их можно разделить на два типа: программные комплексы и узконаправленные программы. К первому типу относятся программные комплексы на базе 1С. В качестве примера узконаправленного софта для учета объектов недвижимости можно привести HomeCRM или SmartAgent – универсальные программные продукты для риелторских агентств.

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    Как приложения для недвижимости определяют стоимость объекта

    \n\n\n\n

    Приложения оценивают стоимость объектов, отталкиваясь от информации, которая доступна в интернете. Оценить рыночную стоимость жилья онлайн позволяют такие бесплатные сервисы, как Домклик от Сбера, онлайн-калькуляторы Циан и ДОМ.РФ. Они проводят оценку статистики, исходя из адреса дома, количества комнат и жилой площади квартиры. Также можно учесть этаж и наличие ремонта.

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    Какое приложение лучше всего подходит для поиска недвижимости

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    В зависимости от того, какую недвижимость вы ищете, используется то или иное приложение.

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    Для подбора арендуемого жилья предназначены:

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    Для покупки жилья чаще используют приложения:

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    Некоторые из этих приложений направлены на поиск арендаторов и покупателей без посредников, но могут использоваться риелторами для аналитики.

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    Часто задаваемые вопросы о приложениях для агентов по недвижимости

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    Мы подготовили для вас ответы на популярные вопросы по работе приложение для риелторов.

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    Сколько стоят приложения по работе с недвижимостью?

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    Приложения для риелторов, приведенные в обзоре, отличаются по условиям подписки. Среди представленных программ есть freeware или имеющие бесплатный пробный период использования. Приложения с дополнительными возможностями взимают за подписку плату. В некоторых программах предусмотрены различные тарифные планы.

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    Какие функции нужно искать приложениях риелтору?

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    Выбирайте для работы приложения, в которых имеют необходимые вам функции. Они могут быть различными, в зависимости от особенностей вашей деятельности и планирования рабочего дня. 

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    К стандартным возможностям приложений для агентов по недвижимости относятся:

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    Многие из CRM-программ для агентства недвижимости позволяют управлять собственным сайтом. На конструкторе из готовых блоков можно легко собрать сайт с контактами и стоимостью своих услуг.

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    Трудно ли пользоваться приложениями для риелторов?

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    Оценить удобство программы для себя можно, только начав ей пользоваться. Недостатки больших программных комплексов на базе 1С заключаются в сложности их интеграции и освоении пользователями. Узконаправленные программы ориентированы на конкретные потребности риелтора, поэтому имеют более понятный интерфейс.

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    Что еще можно использовать риелтору в работе?

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    Опытные агенты по недвижимости нередко сотрудничают со страховыми компаниями. Это позволяет им не только заниматься риелторской деятельностью, но и зарабатывать на продаже страховых услуг. Главное – доказать клиенту, почему ему выгоднее оформить полис страхования через риелтора.

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    \"\"
    \n\n\n\n

    Платформа партнерских продаж Пампаду позволит вам выбирать из страховых офферов более чем от 30 страховых компаний и банков. Вы сможете выбрать из них подходящий продукт для вашего клиента, оформить страховку онлайн и получить комиссионную выплату за выполнение такого целевого действия – до 60 % стоимости полиса.

    \n', 'Программы для риэлторов и агентств недвижимости', 'А вы знали, что существуют специальные программы для риелтора? Рассказываем про популярные приложения для продажи и аренды недвижимости, их функции и возможности.', 'publish', 'open', 'open', '', 'programmy-dlya-rieltorov-i-agentstv-nedvizhimosti', '', '', '2023-07-20 11:32:44', '2023-07-20 11:32:44', '', 0, 'https://pampadu.ru/blog/?p=3281', 0, 'post', '', 0), (3282, 1, '2023-07-20 11:29:52', '2023-07-20 11:29:52', '', '1030х502-5 (8)', '', 'inherit', 'open', 'closed', '', '1030h502-5-8-2', '', '', '2023-07-20 11:29:52', '2023-07-20 11:29:52', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-5-8.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3284, 15, '2023-07-20 11:40:45', '2023-07-20 11:40:45', '\n

    Арбитраж трафика – один из способов заработка на партнерском маркетинге, предлагаемый онлайн-платформой Пампаду. Это бесплатная платформа, которая помогает получать доход от продажи финансовых продуктов, оформления страховых полисов и предоставления целевых услуг за комиссионное вознаграждение. О том, как организовать арбитраж и заработать на этом, какие бывают виды трафика и в чем заключаются особенности его продажи, разберемся в нашей статье.

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    Принцип арбитража трафика

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    Перед тем, как рассмотреть виды трафика в сетях, разберемся, что же такое арбитраж трафика, определим понятие и виды трафиков в информационных сетях. Этот процесс подразумевает привлечение клиентов на площадку и получение процента от каждой состоявшейся сделки, заключенной благодаря арбитражнику. Для компании это напрямую влияет на рост объема продаж, так как эффективная реклама привлекает больше потребителей. Пампаду – одна из площадок, где рекламодатели могут найти предложения по организации арбитража трафика.

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    Арбитраж и партнерский маркетинг – основные различия

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    Партнерский маркетинг – это способ заработка через продажу товаров или услуг, производимых заказчиком. В качестве примера можно назвать розничные торговые интернет-площадки, реализующие брендовую продукцию. Они выступают партнерами бренда.

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    Арбитраж – разновидность партнерских маркетинговых отношений. Если продавать виды трафика в интернете, арбитражник получит ряд преимуществ в сравнении с обычным партнерским маркетингом:

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    Однако при этом маркетолог для своей деятельности привлекает средства, выделенные заказчиком. Арбитражник же тратит на рекламу собственные средства, и это необходимо обязательно учитывать при подсчете потенциальных доходов.

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    Виды трафика в рекламе

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    Итак, виды трафика что это и какими они бывают? Существуют две основные классификации, по которым различают виды трафика данных. Первая – по источнику. Имеется в виду то, каким образом пользователь попадает на сайт заказчика:

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    Помимо этого, отдельной категорией выделяют так называемые неопределенные виды трафика – когда не удается определить, какой из методов привел клиента на сайт рекламодателя.

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    Самые распространенные виды трафика на сайт – платный и реферальный. Арбитраж чаще подразумевает первый вид.

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    Также арбитражный трафик разделяют на белый и черный. В основе этой классификации лежит законность и этичность методов продвижения платформы. В первом случае речь идет о разрешенных товарах и услугах, реализация которых не ограничена требованиями законодательства. Подразумевается использование легальных и допустимых с точки зрения этики и морали способов привлечь покупателя. Во втором случае техники подразумевают обход рекламных ограничений и сомнительные рекламные ходы – например, кликбейт. Подобные методы неэтичны или противоречат требованиям закона.

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    Модели продажи трафика

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    Вне зависимости от того, какие виды трафика сети реализует арбитражник, он может использовать несколько способов продажи рекламы, получая оплату:

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    Источники трафика

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    Все виды трафика сайта могут происходить из таких источников:

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    Таргетированная реклама

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    Объявление демонстрируется определенной категории пользователей, и показ настраивается под целевую аудиторию. Учитываются пол, возраст, географическое положение пользователя, круг его интересов и другие данные, на основе которых можно определить интерес к товару. В расчет может браться даже тип устройства, с которого человек посещает интернет-платформы. Этот источник занимает первое место по эффективности.

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    Контекстная реклама

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    Рекламу подбирают в соответствии с тематикой контента. В основе алгоритма лежат запросы в поисковой системе, которые чаще всего формируют пользователи.

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    Push-уведомления

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    Такая реклама выглядит как всплывающее окно, где размещен текст объявления и кнопки взаимодействия. Человеку предлагают либо ознакомиться с подробностями рекламного уведомления, либо закрыть сообщение. Арбитраж оплачивается в тех случаях, когда клиент соглашается получить информацию.

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    SEO

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    Объявления с улучшенной индексацией в поисковиках. В текст рекламы включают ключевые слова, помогающие поисковой системе определить соответствие контента запросу. Чем точнее это соответствие, тем выше будет позиция сайта в результатах выдачи.

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    Рассылки

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    Сообщения от рекламодателя в мессенджерах, электронной почте или социальных сетях. Содержат информацию о продукции или прямой призыв к сотрудничеству, покупке или заказу услуг. Если рассылка автоматическая и попадает к клиенту без его согласия, чаще всего он блокирует ее или помечает как спам. В электронной почте такие письма попадают в специальную папку и автоматически удаляются. В некоторых соцсетях пометка о спаме автоматически отправляет жалобу на инициатора рассылки, что может привести к блокировке аккаунта.

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    Блоги

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    Различные тематические сообщества и каналы. Рекламодатель может вести их самостоятельно или заказывать продвижение у блогеров, которые будут рекомендовать его продукт своим подписчикам и оставлять ссылку для перехода на сайт. Во втором случае необходим предварительный анализ тематики контента, производимого блогером, и его целевой аудитории. Иначе реклама не сработает и не вызовет интереса у потенциальных клиентов.

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    Тизеры

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    Размещаются в виде блока с кликбейтным заголовком и иллюстрацией. Заголовок чаще всего искажает или неверно интерпретирует материал, размещенный на сайте, чтобы пробудить интерес и заставить перейти по ссылке. Поэтому метод считается сомнительным с точки зрения этики. Да и по эффективности он занимает последнее место. Чаще всего таким заголовкам верит старшее поколение. Люди младшего и среднего возраста, которые составляют основную часть пользователей интернета, относятся к ним скептически и не совершают перехода на сайт.

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    Монетизируйте трафик при помощи Пампаду

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    Бесплатная платформа Пампаду – это готовый набор инструментов для монетизации интернет-площадки, мобильного приложения или социальной сети. Зарегистрировавшись в сервисе, пользователь получает доступ к различным средствам для заработка при помощи арбитража трафика:

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    \"\"
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    Мы предлагаем заработок на страховых, финансовых и HR офферах. От регистрации до получения прибыли клиента отделяют всего четыре шага:

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    \"\"
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    Сервис Пампаду доступен на любых устройствах. Установка и регистрация занимают не более 5 минут, после чего клиент сразу получает выбор к большому арсеналу инструментов для заработка.

    \n', 'Виды трафика в арбитраже: что это, источники, особенности', 'Статья рассказывает о том, что такое арбитраж трафика, какие бывают виды трафика, описывает наиболее эффективные инструменты рекламы и способы заработка на ней при помощи арбитража.', 'publish', 'open', 'open', '', 'vidy-trafika-v-arbitrazhe-chto-eto-istochniki-osobennosti', '', '', '2023-07-20 11:40:45', '2023-07-20 11:40:45', '', 0, 'https://pampadu.ru/blog/?p=3284', 0, 'post', '', 2), (3285, 1, '2023-07-20 11:36:34', '2023-07-20 11:36:34', '', '1030х502-7 (4)', '', 'inherit', 'open', 'closed', '', '1030h502-7-4-2', '', '', '2023-07-20 11:36:34', '2023-07-20 11:36:34', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-7-4.jpg', 0, 'attachment', 'image/jpeg', 0), (3287, 13, '2023-07-20 12:42:42', '2023-07-20 12:42:42', '\n

    ⚡️Спешим сообщить, что теперь вы можете обратиться в тех. поддержку через WhatsApp не выходя из удобного мессенджера

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    На Пампаду каждый агент сможет подобрать удобное средство коммуникации для себя и задать интересующие вопросы.
    Проблемы станут решаться еще быстрее!

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    ? С помощью тех.поддержки вы найдете ответы на вопросы и узнаете интересующие нюансы по рабочим задачам!

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    Если у вас возникла какая-то проблема, обращайтесь в техническую поддержку Пампаду и будьте уверенными в том, что сделка пройдет успешно, а денежные средства моментально поступят на счет.

    \n', 'Техническая поддержка на Пампаду', 'На Пампаду каждый агент сможет подобрать удобное средство коммуникации для себя и задать интересующие вопросы', 'publish', 'open', 'open', '', 'tehnicheskaya-podderzhka-na-pampadu', '', '', '2023-07-20 12:42:42', '2023-07-20 12:42:42', '', 0, 'https://pampadu.ru/blog/?p=3287', 0, 'post', '', 0), (3288, 1, '2023-07-20 12:42:16', '2023-07-20 12:42:16', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-103', '', '', '2023-07-20 12:42:16', '2023-07-20 12:42:16', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-11.png', 0, 'attachment', 'image/png', 0), (3290, 13, '2023-07-21 11:38:16', '2023-07-21 11:38:16', '\n

    Пампаду – это платформа, которая помогает агентам и вебмастерам в развитии и увеличении дохода. Для этого был специально разработан набор полезных инструментов, включая ROAS (Return on Advertising Spend), для оценки прибыльности рекламы. 

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    ROAS что это и как работает?

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    ROAS — это показатель, измеряющий, насколько успешно ваша реклама приводит к возврату затрат. Он представляет собой отношение выручки, полученной от рекламы, к затратам на эту рекламу. Показатель используют в качестве инструмента для оценки прибыльности рекламной кампании. Он определяет, стоит ли вкладывать в нее дополнительные ресурсы или реорганизовать стратегию. В последнем случае компании заказывают дополнительные услуги маркетологов.

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    Как рассчитать ROAS

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    ROAS это формула, где нужно разделить выручку, полученную от рекламной кампании. Она делиться на затраты на эту кампанию, а затем умножается результат на 100 для получения процентного значения. Посчитать ROAS можно по такой формуле: 

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    ROAS = (Выручка / Затраты) * 100.

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    Так выходит результат, требующий последующего анализа. Для ROAS нормальный показатель, если вышла сумма, соответствующая ожиданиям. Тогда стратегия раскрутки не меняется.

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    Чем отличаются ROAS, ROMI и ROI

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    ROAS, ROMI и ROI являются показателями, используемыми в маркетинговой аналитике для оценки прибыльности рекламных кампаний, инвестиций в маркетинг. Рассмотрим каждый показатель подробнее:

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    \"C:\\Users\\Meraris\\Desktop\\пампаду
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    Различие ROAS, ROI и ROMI заключается в том, на что они фокусируются и какие затраты они учитывают. Показатель концентрируется исключительно на затратах, доходе от рекламы. ROI оценивает общую прибыльность инвестиций. ROMI учитывает все маркетинговые затраты, показывает прибыльность маркетинговых усилий в целом.

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    Каждый из этих показателей используется исходя из целей, нужд компании. 

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    Автоматический расчет ROAS

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    Ручной расчет показателя – трудоемкий процесс, в частности при наличии большого объема данных. Однако существуют инструменты, программные решения для автоматизации этого процесса. Например, рекламные платформы, аналитические инструменты могут предоставить вам данные о затратах и выручке, а также автоматически рассчитать показатель. Это даст вам сэкономить время, получить более точные результаты.

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    Сложности с расчетом в арбитраже

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    В арбитражной торговле, где осуществляются покупка, продажа трафика, расчет ROAS сложнее. В этом случае необходимо учитывать не только затраты на рекламу, но и другие факторы, такие как конверсия, стоимость клика. Для решения этой проблемы используются специальные арбитражные инструменты, которые помогут более точно рассчитать ROAS в условиях сильной конкуренции.

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    Как повысить окупаемость

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    Для повышения окупаемости рекламы принимается несколько мер. Во-первых, следует тщательно отслеживать, анализировать показатели ROAS для каждой рекламной кампании, рекламного канала.

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    Это даст выделить доходные и недоходные источники трафика, скорректировать бюджет распределения. Во-вторых, оптимизируйте свои рекламные материалы, стратегию, чтобы улучшить конверсию, снизить затраты. В-третьих, не забывайте об использовании тестирования A/B, чтобы определить доходные варианты сообщений, медиаконтента. 

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    О сервисе Пампаду

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    Платформа предоставляет возможность продажи и оформления страховых полисов, финансовых продуктов и выполнения целевых действий, за которые компании готовы платить комиссионное вознаграждение. Наша платформа помогает продать пользователям различные продукты и услуги.

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    \"C:\\Users\\Meraris\\Desktop\\Пампаду.jpg\"/
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    Страховые продукты:

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    Финансовые продукты:

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    Партнеры Пампаду предлагают наилучшие условия пользователям платформы. Здесь можно сравнить все предложения и подобрать вариант, наиболее подходящий для вашего бизнеса. Также в личном кабинете будет доступно множество удобных инструментов и экспертный консультант.

    \n', 'ROAS: что это такое в маркетинге и как его рассчитать показатель', 'Для измерения эффективности рекламы используется ROAS. ROAS это показатель, который высчитывается по специальной формуле и демонстрирует окупаемость затрат на рекламу. ', 'publish', 'open', 'open', '', 'roas-chto-eto-takoe-v-marketinge-i-kak-ego-rasschitat-pokazatel', '', '', '2023-07-21 11:38:16', '2023-07-21 11:38:16', '', 0, 'https://pampadu.ru/blog/?p=3290', 0, 'post', '', 0), (3291, 1, '2023-07-21 11:36:30', '2023-07-21 11:36:30', '', '1030х502-6 (7)', '', 'inherit', 'open', 'closed', '', '1030h502-6-7', '', '', '2023-07-21 11:36:30', '2023-07-21 11:36:30', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-6-7.jpg', 0, 'attachment', 'image/jpeg', 0), (3293, 13, '2023-07-21 11:45:08', '2023-07-21 11:45:08', '\n

    Одним из двигателей бизнеса считается создание и продвижение сайта. Если хорошая конверсия – значит, вы на коне.

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    Бесплатная платформа онлайн Пампаду дает возможность для развития и заработка. Мы рекомендуем отказаться от классических решений, так как сегодня это малоэффективный маркетинг. И, наоборот, обращаем вашем внимание как на продающие страницы, так и на другие способы связи.

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    Как посчитать конверсию сайта?

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    Основа любого бизнеса – это расчеты, поэтому важно уметь их делать. От этого зависит репутация и конечный результат. Конверсия -  целевые действия потребителей: оплачивают покупку, заказывают услугу, оставляют свои контактные данные.

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    Конверсия – дело статичное и зависит конкретно от полученных цифр. Например, если из 100 посетителей семеро обратились к вашей компании – значит, конверсия будет составлять 7%, а в случае, если из ста посетителей заказали услуги 87 – конверсия будет 87%. Для ее расчета необходимо на сайт запустить рекламную подачу. Но сперва определить конкретные ожидания от этой рекламы, выделить цели, методы их достижения и выполнения.

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    Существует простая формула расчета: количество посетителей, которые совершили целенаправленные действия, делят на общее количество посетителей, после чего сумму умножают на 100%. Конверсия высчитывается в процентах.

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    Например, уникальных посетителей было 500, из них 40 сделали заказ товара. Конверсия будет следующая – (40/500)* 100% = 8%.

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    Какая конверсия сайта — хорошая?

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    Конверсия влияет на развитие бизнеса и зависит от ряда внешних и внутренних факторов. К внешним факторам относятся рейтинг сайта в поисковой системе и реклама (чем лучше реклама – больше посетителей – выше рейтинг в поисковике). Внутренние факторы – показатели интернет-страницы (дизайн, отсутствие ошибок, правильность, оптимизация, семантическое ядро и т. д.).

    \n\n\n\n

    Хорошая конверсия бывает разной: «лучше, чем у конкурентов; чем за прошлый месяц; прибыль важнее конверсии; любая конверсия будет маленькой и т. д.».

    \n\n\n\n

    «Хорошая» конверсия зависит от направления бизнеса. Рассмотрим наиболее популярные ветки, где Л – лучший показатель, Н – низкий, С– средний:

    \n\n\n\n\n\n\n\n

    Имея конверсионные показатели, планируется внедрение нового товара и «фишек», а также, наоборот, менять то, что не обладает популярностью среди посетителей. Но делать это нужно на основе показателей за предыдущие месяцы, например. Арбитражнику такая информация крайне важна.

    \n\n\n\n

    Почему расчет конверсии не всегда показателен?

    \n\n\n\n

    Практически во всех случаях просчет конверсионных показателей проводится автоматически прямо на сайте. Если пользоваться аналитикой, с ее помощью система может автоматически проанализировать конверсию по сессии (определенный период). Для такой аналитики каждая сессия будет считаться как новый посетитель сайта.

    \n\n\n\n

    Как это работает? Посетитель заходит на сайт, у него звонит телефон, он отвлекается, потом снова заходит на этот же сайт и заказывает услугу. Аналитика веб засчитает этот вход как 2 пользователя и укажет, что во время второго входа было совершено целевое действие. Поэтому этот фактор стоит учитывать.

    \n\n\n\n

    Более эффективными будут расчеты конверсии по лидам, а также по индивидуальным посетителям. Такие расчеты можно самостоятельно настроить, например, в Гугл Аналитике или в Метрике Яндекса.

    \n\n\n\n

    Что влияет на конверсию сайта?

    \n\n\n\n

    Так как конверсия – дело динамическое, то на ее показатели влияют многие факторы. Разберем наиболее популярные.

    \n\n\n\n
    1. Средний чек.
    2. Трафик.
    3. Прибыль.
    \n\n\n\n

    Выделим и другие факторы:

    \n\n\n\n\n\n\n\n

    К субъективным факторам относятся качество интернет-страницы, стоимость товара, что вы предлагаете, доверие и репутация вашей компании или вашего бренда, заинтересованность клиентов и привлекательность товара, что вы «даете».

    \n\n\n\n

    Важную роль играет именно репутация и доверительный момент. Он зависит от внутренних и внешних факторов.

    \n\n\n\n
    1. Внутренние факторы – все веб-ресурсы, которые используются (дизайн, «начинка», семантика, простота интерфейса).
    2. Внешние факторы – ваше умение использовать те каналы, которые могут привлечь трафик. Именно заинтересованные клиенты повышают вашу конверсию.
    \n\n\n\n

    С их помощью улучшаются конверсионные показатели.

    \n\n\n\n

    10 способов увеличить конверсию сайта

    \n\n\n\n

    Если вы посчитали свои конверсионные показатели, и окончательный результат вас не устроил, есть несколько способов, чтобы их увеличить.

    \n\n\n\n
    1. Повысить юзабилити.
    \n\n\n\n

    Хорошее юзабилити сайта – залог того, что посетители будут там находиться. Простой интерфейс, понятные кнопки на видном месте помогают пользоваться сайтом и решать свои запросы без посторонней помощи, потратив при этом мало времени. Банально, но факт: пользователь, которому трудно разобраться с навигацией по сайту, никогда не сделает там заказ.

    \n\n\n\n

    Хороший пример – красное выделение неправильно внесенной информации в форме.

    \n\n\n\n
    1. Повысить загрузочную скорость.
    \n\n\n\n

    Долгое ожидание приведет к тому, что пользователь просто уйдет на другой сайт с быстрой загрузкой страницы. Гугл предоставлял статистику, в которой четко видно: ожидание более 5-10 секунд приводит практически к 100% отказу и поиску аналога.

    \n\n\n\n

    Ускорить загрузку может иллюстрация или гифка вместо полноформатного изображения. Видео лучше загружать на параллельную платформу (например, Ютуб), а плагины лучше заменить на код.

    \n\n\n\n
    1. Снизить отказной показатель.
    \n\n\n\n

    Количество отказов дает понимание того, что посетитель зашел на сайт, но не нашел ничего «толкового» для себя. В зависимости от браузера, отказом будут считаться разные версии (в Гугле – завершение сессии, а в Яндексе – нахождение на сайте менее чем 15 секунд).

    \n\n\n\n

    Снизить отказной показатель можно двумя способами:

    \n\n\n\n\n\n\n\n

    Просто, но эффективно.

    \n\n\n\n
    1. Работа с мобильным приложением.
    \n\n\n\n

    Интерфейс на телефоне и ПК значительно отличаются межу собой. Над этим нужно хорошо поработать. Так как половина всего трафика проходит именно через мобильный телефон или любой другой смартфон, отсутствие адаптации сайта под мобильное приложение приведет к снижению конверсии.

    \n\n\n\n
    1. Качество контента.
    \n\n\n\n

    Уникальность и креатив – вот, что удерживает клиентов. Подробное описание товаров повысит конверсию – фотографии или картинки, цепляющий заголовок, информация о заказе и доставке, отзывы, характеристики и т. д.

    \n\n\n\n

    Хорошо добавить чек-листы или кейсы с информацией о продукте.

    \n\n\n\n
    1. Настройка ремаркетинга.
    \n\n\n\n

    Именно ремаркетинг вернет посетителей на сайт. Клиентам будут показывать рекламу с теми товарами, которыми они интересовались. Такая реклама сможет «догнать» клиента и напомнить о товаре.

    \n\n\n\n

    Ремаркетинг повышает конверсию, так как нацелен на «теплых» пользователей (тех, кто уже находился на сайте).

    \n\n\n\n
    1. Пользоваться интерактивными формами.
    \n\n\n\n

    Интерактив на сайте – формы, с которыми посетитель может как-то взаимодействовать. Основная цель – удержать клиента. Например, появляется окно со звонком, если клиент хочет закрыть вкладку, или же появится баннер о распродаже, если клиент «сидит» на сайте.

    \n\n\n\n

    К интерактивным формам относятся:

    \n\n\n\n\n\n\n\n

    Поп-ап также относится к интерактиву на сайте.

    \n\n\n\n
    1. Добавить клиентские отзывы.
    \n\n\n\n

    Это хорошее доказательство того, что вы имеете авторитет и популярность среди потребителей. Экспертные оценки и мнения, товарные фото придадут уверенность новым посетителям. По статистике, наличие отзывов может увеличить конверсию более чем на 150-200%.

    \n\n\n\n
    1. Добавить фильтры расширенного типа.
    \n\n\n\n

    Именно расширенные фильтры помогают пользователю найти наиболее подходящий товар. Пример: клиент не хочет платить большую сумму за брендовую вещь, он будет искать аналогичный товар на других сайтах.

    \n\n\n\n

    Чем больше фильтров, тем выше вероятность того, что клиент найдет то, что ему нужно, а значит, повысится конверсия.

    \n\n\n\n
    1. Обновление сайтового дизайна.
    \n\n\n\n

    Если вы заметили, что процент потенциальных клиентов упал, подумайте, как увеличить конверсию сайта. Поработайте над обновлением дизайна интернет-страницы. Возможно, клиентам просто неудобно просматривать товары и делать заказ. Для этого подойдет АБ тестирование.

    \n\n\n\n

    Например: главная страница была желтого цвета, а владелец хочет заменить его на синий, так как синий считается цветом, что провоцирует к покупке. Можете протестировать оба варианта и сравнить показатели: посещения, заказы, прибыль и другую конверсию и иные.

    \n\n\n\n

    Если синий фон оказался эффективным, стоит обновить именно так, если желтый – оставить дизайн и подумать над другими способами обновления.

    \n\n\n\n

    О сервисе Пампаду

    \n\n\n\n

    Платформа Пампаду дает возможность заработать каждому. Пользоваться ею могут агенты, бизнесмены, брокеры и другие, которые ищут заработок за выполнение действий (компания выплачивает определенную комиссию).

    \n\n\n\n

    Пампаду – официальный партнер многих известных компаний и брендов.

    \n\n\n\n

    Что касается продуктов, они разделяются на:

    \n\n\n\n\n\n\n\n

    В ваш личный кабинет подключаются кампании, в которых вы выполняете действия и получаете финансовую награду за это – оформить ипотеку, оставить заявку и т. д.

    \n\n\n\n

    Чтобы заработать, достаточно выполнить четыре шага.

    \n\n\n\n
    1. Пройти регистрацию и получить доступ ко всем «фишкам» и продуктам.
    2. Посмотреть обучающие видеоролики, почитать статьи или пообщаться с куратором и лично обсудить все вопросы.
    3. Оформлять нужные продукты клиентам или себе, можно также привлекать трафик.
    4. Получить выплату за все выполненные действия на банковскую карту или банковский юридический счет.
    \n\n\n\n

    На платформе зарабатывают даже те, кто не имеет никакого опыта в подобной сфере.

    \n\n\n\n

    Присоединяйтесь и начинайте зарабатывать.

    \n', 'Как арбитражнику увеличить конверсию сайта: ТОП-10 способов', 'Как увеличить конверсию сайта быстро и эффективно? – работайте с ней системно. Это поможет сэкономить бюджет на рекламу и повысить продажи.', 'publish', 'open', 'open', '', 'kak-arbitrazhniku-uvelichit-konversiyu-sajta-top-10-sposobov', '', '', '2023-07-21 11:45:08', '2023-07-21 11:45:08', '', 0, 'https://pampadu.ru/blog/?p=3293', 0, 'post', '', 0), (3294, 1, '2023-07-21 11:42:21', '2023-07-21 11:42:21', '', '1030х502-8-1', '', 'inherit', 'open', 'closed', '', '1030h502-8-1-3', '', '', '2023-07-21 11:42:21', '2023-07-21 11:42:21', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-8-1.jpg', 0, 'attachment', 'image/jpeg', 0), (3297, 13, '2023-07-21 12:40:29', '2023-07-21 12:40:29', '\n

    Покажи лучшие результаты по продажам страховых, банковских продуктов и пользователям реферальной программы и выигрывай крутые гаджеты на Пампаду!

    \n\n\n\n

    ? Мы рады, что агенты, участвующие в прошлых акциях оперативно получают призы и не останавливаются на достигнутых результатах!
    Поэтому не теряйте время, начните участвовать в розыгрыше прямо сейчас, ведь чем больше продаж, тем лучше подарки и выше шансы на победу.
    Принимать участие можно сразу во всех категориях.

    \n\n\n\n

    Завершите летний сезон с крутыми призами от Пампаду!

    \n\n\n\n

    ⚡️Подробности акции

    \n\n\n\n

    Желаем вам удачи и отличных продаж.
    С любовью к своему делу,
    команда Пампаду

    \n', 'Захватывающее предложение, от которого невозможно отказаться', 'Принимайте участие и торопитесь побороться за крутые подарки!', 'publish', 'open', 'open', '', 'zahvatyvayushhee-predlozhenie-ot-kotorogo-nevozmozhno-otkazatsya', '', '', '2023-07-21 12:40:29', '2023-07-21 12:40:29', '', 0, 'https://pampadu.ru/blog/?p=3297', 0, 'post', '', 0), (3298, 1, '2023-07-21 12:40:20', '2023-07-21 12:40:20', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-104', '', '', '2023-07-21 12:40:20', '2023-07-21 12:40:20', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-12.png', 0, 'attachment', 'image/png', 0), (3300, 13, '2023-07-21 13:55:37', '2023-07-21 13:55:37', '\n

    — Максимальный заработок одного пользователя в июне с продаж банковских продуктов составил 302 500 рублей!
    — В общей сложности наши пользователи заработали 16,5+ млн. рублей!
    — Продано более 4 000 банковских продуктов.
    — Отправлено 15 600 заявок.

    \n\n\n\n

    ? Рекомендованные продукты для продаж в Июле-Августе:

    \n\n\n\n

    Кредитная карта Газпромбанк 180 дней без %
    Вознаграждение: 7600 руб.
    Кредитная карта ВТБ
    Вознаграждение: 5 320 руб.
    Кредитная карта Тинькофф Платинум
    Вознаграждение: 4200 руб.

    \n\n\n\n

    Подписывайтесь на ➡️ канал посвященный банковским продуктам и узнавайте все новости первыми!

    \n\n\n\n

    Не останавливайтесь на достигнутых результатах, продолжайте исследовать и продавать финансовые продукты на Пампаду.

    \n\n\n\n

    Отличных продаж,
    команда Пампаду

    \n', 'Делимся цифрами июня по финансовым продуктам на Пампаду', 'Результаты финансовых продуктов за июнь', 'publish', 'open', 'open', '', 'delimsya-tsiframi-iyunya-po-finansovym-produktam-na-pampadu', '', '', '2023-07-21 13:55:37', '2023-07-21 13:55:37', '', 0, 'https://pampadu.ru/blog/?p=3300', 0, 'post', '', 0), (3301, 1, '2023-07-21 13:55:26', '2023-07-21 13:55:26', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-105', '', '', '2023-07-21 13:55:26', '2023-07-21 13:55:26', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-13.png', 0, 'attachment', 'image/png', 0), (3303, 13, '2023-07-24 10:08:49', '2023-07-24 10:08:49', '\n

    ? 180 дней без % навсегда и без дополнительных условий и другие выгодные условия для клиентов в оффере кредитная карта Газпромбанк 180 дней без %

    \n\n\n\n

    ? Зарабатывайте 7600 р. за каждую выданную кредитную карту Газпромбанка и получите шанс выиграть ценные призы от Пампаду!

    \n\n\n\n

    Как это сделать?
    ✔️ Принять участие в розыгрыше «Вселенная подарков на Пампаду»

    \n\n\n\n

    Выбирайте за какой подарок вы будете бороться и действуйте!

    ?Подробности розыгрыша

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    ✅ У некоторых пользователей некорректно работал вывод через приложение, мы устранили неполадки. Обновите приложение, чтобы использовать самую актуальную версию.

    \n\n\n\n

    Если вы еще не пробовали пользоваться приложением Пампаду, самое время начать!

    \n\n\n\n

    ? Чтобы использовать самую актуальную версию, обновите приложение по ссылке здесь

    \n', 'Мы выпустили обновление приложения Пампаду!', 'Зарабатывать на Пампаду вы можете даже со смартфона, ведь у нас есть приложение', 'publish', 'open', 'open', '', 'my-vypustili-obnovlenie-prilozheniya-pampadu', '', '', '2023-07-24 11:51:21', '2023-07-24 11:51:21', '', 0, 'https://pampadu.ru/blog/?p=3307', 0, 'post', '', 0), (3308, 1, '2023-07-24 11:39:22', '2023-07-24 11:39:22', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-106', '', '', '2023-07-24 11:39:22', '2023-07-24 11:39:22', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-14.png', 0, 'attachment', 'image/png', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3310, 15, '2023-07-24 13:01:40', '2023-07-24 13:01:40', '\n

    Сервис партнерских продаж Пампаду регулярно сотрудничает со специалистами рынка недвижимости, ориентирован на постоянное развитие и взаимопомощь. С нами вы сможете повысить свой профессиональный уровень и расширить знания. В статье мы дадим рекомендации, как продать дом в желаемый срок – от правильного расчета стоимости до уплаты налога по завершенной сделке.

    \n\n\n\n

    Чем отличаются продажи домов и квартир

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    Продажа домостроений отличается от реализации готовых апартаментов. Стоимость дома обычно выше, а продать его сложнее, чем квартиру. Кроме того, покупательский спрос на дома обычно ниже, чем на квартиры. В зависимости от умений риелтора, сделку можно ускорить или, наоборот, затянуть.

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    С приобретением дома связано много требований и пожеланий покупателей. Это заставляет их дольше обдумывать решение о приобретении. Дома могут различаться по: 

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    Все эти факторы влияют на итоговую стоимость дома. Квартиры же отличаются, в основном, наличием ремонта и количеством комнат, но почти всегда они продаются пригодными для проживания. Чего нельзя сказать о домах, которые могут оказаться ветхими строениями или недостроенными «коробками».

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    Еще одним фактором, влияющим на цену и скорость продажи дома, считают наличие земельного участка, на котором он расположен. Земля тоже относится к объекту продажи, поэтому для сделки потребуется собрать больше документации.

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    Варианты продажи дома

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    Любой агент по недвижимости должен быть готов рассказать о плюсах своих услуг и аргументировать их стоимость. Ведь дом можно продать и самостоятельно, но такой выбор сопряжен с множеством недостатков.

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    Самостоятельно

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    Единственным плюсом самостоятельной продажи дома считается отсутствие комиссии агенту. 

    \n\n\n\n

    Минусов гораздо больше. Продавцу придется самостоятельно подавать объявления, следить за откликами, проводить созвоны с потенциальными покупателями и заниматься показами имущества. Владельцу дома придется самому заниматься подготовкой документов и оформлением договора, что потребует определенных знаний.

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    Через риелтора

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    Все минусы самостоятельной продажи становятся плюсами при проведении сделки с помощью риелтора. Агент по недвижимости берет на себя основную часть хлопот: договаривается с покупателями, организует показы, курирует сделку. Риелторы обычно владеют тонкостями подготовки документов, умеют работать с возражениями покупателей и решать проблемы с недвижимостью.

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    Недостаток один – риелтор удерживает за свои услуги комиссию в размере 3-5 % от суммы сделки. Но поскольку он заинтересован в получении комиссионной выплаты от продажи, агент будет стремиться найти покупателя поскорее.

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    Что сказывается на стоимости дома

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    Цену дома определяет по многим критериям, иногда неочевидным продавцу. К решающим факторам относятся:

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    Как определить цену дома

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    Продавец зачастую не может оценить стоимость дома объективно. Поэтому стоит обратиться за помощью к оценщикам или воспользоваться доступными сервисами.

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    Для примерных подсчетов можно воспользоваться такими советами:

    \n\n\n\n\n\n\n\n

    Если вы установите цену на дом выше рыночной, то попросту не найдете покупателей и зря потратите время, если ниже – реализуете объект недвижимости, но лишитесь весомой части прибыли.

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    Сколько времени займет продажа

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    Период реализации дома может занять от пары месяцев до нескольких лет. Большая часть этого времени уходит на поиск покупателей. Оформить документацию на право собственности можно достаточно быстро – в течение месяца, если покупатель не использует кредитование или меры государственной поддержки.

    \n\n\n\n

    Если покупатель решает воспользоваться материнским капиталом или взять ипотеку, срок оформления увеличивается до 2-3 месяцев. Если стоимость дома проходит по верхней ценовой границе, то будьте готовы общаться с покупателями на протяжении 3-6 месяцев – для быстрой продажи потребуется снизить цену.

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    Чтобы ускорить продажу, настройтесь на проведение нескольких показов в день. Нужно быть постоянно на связи с потенциальными покупателями и следить за конверсией размещенных объявлений.

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    Предпродажная подготовка дома

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    До продажи собственник должен собрать пакет необходимых документов, привести дом с участком к товарному виду. 

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    Правильная предпродажная подготовка позволяет увеличить стоимость дома до 20 % и сократить срок продажи. Хорошее впечатление производит облагороженный участок с аккуратным газоном и подстриженными кустами. А внутри дома желательно выполнить косметический ремонт и тщательно прибраться.

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    Список документов для продажи

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    Продавец должен будет предоставить:

    \n\n\n\n\n\n\n\n

    Перечень документов может быть расширен. К примеру, если дом расположен в пределах населенного пункта или имеет статус жилого, потребуется справка о том, что в доме нет прописанных.

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    Нужно ли проводить межевание

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    Межеванием называется установление границ приусадебного участка. Процедуру проводит кадастровый инженер, производящий геодезические замеры. С 2021 году нормами не предусматривается проводить обязательное межевание в таких случаях:

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    Как навести порядок в доме и на участке

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    Сделайте в доме тщательную уборку: вымойте окна, протрите сантехнику, отчистите мебель и ковры, постирайте занавеси и шторы. Избавьтесь от лишнего хлама: уберите разбросанные вещи, устраните завалы в шкафах и на полках.

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    Перед проведением показа лучше проветрить комнаты и поставить в вазу живые цветы. Заранее поменяйте сломанные выключатели и установите более яркие лампочки в светильники. Уделите внимание входной группе – постелите придверный коврик, смажьте маслом скрипящие петли двери.

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    Многие владельцы домов используют территорию прилегающего участка для складирования стройматериалов, металлолома и строительного мусора. Подобная картина может испортить впечатление о доме. Необходимо очистить пространство участка, вырвать сорняки, подмести садовые дорожки, восстановить клумбы, навести порядок на грядках.

    \n\n\n\n

    Продажа дома, расположенного на участке

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    Реализация домовладения проходит в несколько этапов, которых никак не избежать. Разве только, если у собственника уже имеется свой покупатель на дом. Но в таком случае он бы вряд ли стал обращаться за услугами к риелтору. Агент по недвижимости берет на себя основную часть забот.

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    Поиск покупателей

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    Заключение сделки начинается с поиска покупателей. Риелтор размещает объявления на сайтах по продаже недвижимости и в тематических сообществах в соцсетях. Найти заинтересованных в покупке можно и по старинке – расклейкой объявлений неподалеку или вывеской плаката с телефонным номером на фасаде здания.

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    Следите за количеством просмотров объявления. Чтобы ваша публикация попала в топ выдачи объявлений, можно воспользоваться услугами продвижения.

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    Объявление о продаже

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    Нужно составить информативное и завлекающее объявление. Подробное описание многократно повышает вероятность быстрой продажи и закрывает множество вопросов покупателей.

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    Важная часть объявления – качественные фотографии. Делайте снимки с разных сторон, чтобы выбрать наиболее удачные ракурсы. Одно и то же помещение может выглядеть иначе при разном освещении. Прикрепите к объявлению фото наружной стороны дома, вида из окон. Сделайте фотографии двора, ворот дома. Если напротив дома расположены зеленые насаждения – упомяните этот факт в тексте объявления.

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    Показы 

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    Правильно проведенный показ – залог заключения сделки в дальнейшем. Не опаздывайте на встречу, оставайтесь благожелательны и учтивы – потенциальный покупатель должен быть открыт к диалогу.

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    При общении с покупателями не умалчивайте сведения о минусах постройки. Отвечайте на вопросы и старайтесь дать максимум полезной информации. Сделайте акцент на технических характеристиках дома, площади земли, наличии плодовых деревьев и декоративных кустарников на участке.

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    Составление договора купли-продажи

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    Перед заключением основного договора можно оформить предварительное соглашение о намерении сторонами совершить сделку. Это может быть преддоговор купли-продажи, авансовое соглашение, договор задатка. 

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    Преддоговор купли-продажи оформляют в той же форме, что и основной. В нем указывают порядок расчетов, параметры объекта, сроки проведения сделки. Если среди собственников дома указаны несовершеннолетние, нужно заверить соглашение у нотариуса.

    \n\n\n\n

    Основной договор по сделке можно подписать одновременно с проведением расчетов. В нем указывают место и дату заключения, цену и предмет продажи, паспортные данные участников сделки.

    \n\n\n\n

    При продаже дома отдельным документом оформляют акт приема-передачи.

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    Регистрация права собственности

    \n\n\n\n

    Отчуждение прав собственности производят, подавая заявление в МФЦ или Росреестр. Сделать это можно при личном визите или онлайн. За оформление перехода прав собственности потребуется заплатить пошлину – 2000 рублей для физлиц.

    \n\n\n\n

    Расчеты между покупателем и продавцом

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    После оформления договора купли-продажи взаимные расчеты могут быть проведены одним из следующих способов:

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    Какой налог с продажи дома нужно заплатить

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    При продаже собственности, которая находится в собственности менее установленного законом минимального срока владения, продавец обязан заплатить государству налог в размере 13 % от полученной прибыли.

    \n\n\n\n

    В каких случаях платить налог не нужно

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    Доход от продажи дома не облагается налогом, если собственник владеет недвижимостью свыше 5 лет или свыше 3 лет при таких обстоятельствах:

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    Также стоит учесть возможности налогового вычета – если дом продан дешевле, чем за 1 млн. руб., налог на прибыль платить не требуется.

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    Как составить декларацию об уплате налога

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    Если продавец совершил сделку купли-продажи и зарегистрировал передачу прав собственности на дом в Росреестре, ему остается дождаться окончания календарного года и заполнить декларацию по форме 3-НДФЛ. К декларации необходимо приложить документы, подтверждающие сумму полученного от сделки дохода. Заполненную форму 3-НДФЛ нужно предоставить в ФНС до 30 апреля года, следующего за годом продажи. В соответствии с представленной информацией необходимо уплатить налог на прибыль – в срок до 15 июля текущего года.

    \n\n\n\n

    Как продать земельный участок с недостроенным домом 

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    В большинстве случае выгоднее достроить дом и узаконить постройку. Но недострой тоже можно реализовать, хотя он заинтересует меньшее число покупателей. 

    \n\n\n\n

    В этом случае нужно оформить постройку как объект неоконченного строительства и зарегистрировать право собственности на него. Для этого потребуется подать заявку в БТИ, оформить кадастровый паспорт и предоставить эти сведения в Росреестр вместе с документацией на землю. После подачи заявления и уплаты госпошлины вы получите выписку из EГPH о праве собственности на недострой.

    \n\n\n\n

    После этих действий недостроенный дом можно внести в предмет договора купли-продажи с передачей прав собственности на него. Такую недвижимость не относят к жилой. Чтобы воспользоваться ей по назначению, жильцам необходимо буде составить акт о вводе дома в эксплуатацию, изменить сведения в кадастровом паспорте и базе Росреестра.

    \n\n\n\n

    Можно ли продать участок с незарегистрированным домом

    \n\n\n\n

    Если собственность не зарегистрирована в Росреесте, то невозможно передать право собственности на нее. Продать неоформленное домостроение можно только на словах, такая сделка не будет иметь законных оснований.

    \n\n\n\n

    В такой ситуации в договоре купли-продажи указывают, что на участке отсутствуют строения. По закону собственник будет владеть землей, но не домом. На такую покупку согласится далеко не любой.

    \n\n\n\n

    Однако такая сделка таит и другой риск. Если государственные органы установят, что на участке расположено строение, они потребуют его зарегистрировать, а также признают проведенную сделку недействительной в судебном порядке.

    \n\n\n\n

    Если же на участке находится полуразрушенное строение, которое проблематично достроить или отремонтировать, стоит его демонтировать. Снос незарегистрированной постройки до момента продажи участка обезопасит обе стороны сделки.

    \n\n\n\n

    Как получать от риелторства больший доход?

    \n\n\n\n

    Начав сотрудничать с платформой партнерских продаж Пампаду, можно зарабатывать на продаже страховых и банковских оффреров наших партнеров. Совмещать риелторскую деятельность с участием в нашей партнерской программе легко – достаточно предлагать клиентам сопутствующие или дополнительные услуги.

    \n\n\n\n
    \"\"
    \n\n\n\n

    Зарегистрироваться на платформе Pampadu можно в течение 5 минут, а оформить страховой полис онлайн – за 15 минут. Все действующие для сотрудничества предложения доступны в личном кабинете агента. Там вы найдете офферы партнерских программ от отечественных банков и страховых компаний. Зарабатывать с нами сможет каждый!

    \n', 'Как риэлтору продать дом с участком быстро и выгодно', 'Как продать дом? Ответ на этот вопрос не так однозначен, как кажется. Нужно учесть несколько факторов – подготовить жилье к продаже, правильно оценить стоимость объекта, найти покупателя. Все эти нюансы должен знать риелтор.', 'publish', 'open', 'open', '', 'kak-rieltoru-prodat-dom-s-uchastkom-bystro-i-vygodno', '', '', '2023-07-24 13:01:40', '2023-07-24 13:01:40', '', 0, 'https://pampadu.ru/blog/?p=3310', 0, 'post', '', 0), (3311, 1, '2023-07-24 12:53:03', '2023-07-24 12:53:03', '', '1030х502-1 (8)', '', 'inherit', 'open', 'closed', '', '1030h502-1-8-2', '', '', '2023-07-24 12:53:03', '2023-07-24 12:53:03', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-1-8.jpg', 0, 'attachment', 'image/jpeg', 0), (3313, 13, '2023-07-25 11:10:20', '2023-07-25 11:10:20', '\n

    ⚡️ Наши пользователи продолжают успешно использовать реферальную программу, показываем на примерах:

    \n\n\n\n

    С момента перезапуска программы один агент пригласил 6 рефералов, которые суммарно совершили 40 продаж.
    За 15 продаж ОСАГО приглашающий получил 750 руб.
    Другой реферал продал 4 полиса ипотеки и принес пользователю 560 руб.
    Остальные рефералы оформляли банковские продукты с КВ более 100 тыс. руб. За них рефер получил 5610 руб.
    ? Итого бонус по реферальной программе составил почти 7000 руб.

    \n\n\n\n

    Помимо очевидной выгоды, имея 40 продаж рефералов, приглашенных в июле (и августе), агент участвует в розыгрыше iPhone 12 и других призов.

    \n\n\n\n

    ? Чтобы не обнулить свой бонус по реферальной программе, изучите статью

    \n\n\n\n

    Хороших продаж!

    \n', 'Зарабатывай на реферальной программе Пампаду', 'Привлекая агентов на Пампаду вы зарабатываете с их продаж по трем разным направлениям!', 'publish', 'open', 'open', '', 'zarabatyvaj-na-referalnoj-programme-pampadu-2', '', '', '2023-07-25 11:10:20', '2023-07-25 11:10:20', '', 0, 'https://pampadu.ru/blog/?p=3313', 0, 'post', '', 0), (3314, 1, '2023-07-25 11:09:59', '2023-07-25 11:09:59', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-107', '', '', '2023-07-25 11:09:59', '2023-07-25 11:09:59', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-15.png', 0, 'attachment', 'image/png', 0), (3316, 13, '2023-07-25 13:21:39', '2023-07-25 13:21:39', '\n

    Арбитражный трафик представляет собой один из видов заработка на партнёрском маркетинге, предлагаемый сервисом Пампаду. На этой интернет-платформе можно получать доход от продажи финансовых продуктов, предоставления целевых услуг, оформления страховых полисов. Сегодня поговорим о видах рекламы в интернет маркетинге для арбитражников.

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    Отличие рекламы от маркетинга

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    Рекламные инструменты представляют собой часть маркетинга. Для разграничения понятий ниже дали краткое определение этих двух терминов.

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    Маркетинг — совокупность действенных методов привлечения внимания целевой аудитории к продукции или услугам. Он предусматривает:

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    Маркетинг предусматривает и использование офлайн-каналов: печатные издания (листовки, журналы), наружная реклама (объявления на общественном транспорте, витрины, баннеры). Реклама — это один из маркетинговых элементов. Она включает в себя комплекс инструментов, помогающих распространять информацию о товаре или услуге.

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    Арбитражем называют одну из разновидностей партнёрских маркетинговых отношений. Он предоставляет ряд преимуществ по сравнению с обычным партнёрским маркетингом:

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    Вместе с тем маркетолог в процессе своей деятельности тратит средства, выделенные клиентом. Арбитражник вкладывает в рекламу собственные деньги, что нужно учитывать при подсчете будущих доходов.

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    Видеореклама

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    Это довольно востребованный формат в привлечении арбитражного трафика. Рекламу размещают в начале, середине или конце просмотренного пользователем видео. Такой формат используется и на десктопных, и на мобильных устройствах.

    \n\n\n\n

    Видеорекламу показывают:

    \n\n\n\n\n\n\n\n

    Push-уведомления

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    Еще один вид рекламы сайта в интернете —  push-уведомления. Такие сообщения расположены в правом нижнем углу экрана. После нажатия на уведомление происходит перенаправление на нужную страницу. К примеру, ресторан информирует пользователей о скидке 10 % при совершении заказа до 11 утра. Арбитраж оплачивается при условии, что клиент соглашается получить информацию.

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    Таргетированная реклама

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    Слово «target» в переводе с английского языка означает «цель». Мишень такой рекламы — люди, интересующиеся той или иной услугой или товаром. Таргет считается довольно действенным и сравнительно дешевым форматом.

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    Таргетированная реклама помогает достичь сразу три цели:

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    При показе объявления пользователям учитываются:

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    Контекстная реклама

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    Он позволяет выбрать целевую аудиторию по заданным признакам (демографическим показателям, геопозиции). Различают два вида контекстной рекламы:

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    Об отличительных чертах этой формы рекламы в интернете хорошо написала Марина Климанцева, PPS-менеджер агентства TexTerra: «В создании и настройке контекстной рекламы, будь то объявления в поисковых системах или баннеры на сайтах, есть нюансы. Кроме текста, на баннере стоит разместить интересный и интригующий визуал для увеличения количества кликов на него».

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    Рассылки

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    Реклама в Email рассылках — надежный маркетинговый инструмент. Письма должны содержать полезную и нужную читателю информацию, чтобы не отправиться прямиком в спам. К числу самых популярных сервисов для создания интернет-рассылок в Рунете принадлежат:

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    Взаимодействие с блогерами

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    Ряд преимуществ таит в себе и сотрудничество с экспертами, блогерами-миллионниками, способными достучаться до широкой аудитории. Прошлый год послужил поворотной точкой в развитии российского инфлюенс-маркетинга. На блогерскую коммерческую активность существенно повлияла блокировка нескольких популярных соцсетей, прежде считавшихся наиболее действенными инструментами продвижения товаров. На этом фоне стремительно увеличивается популярность Telegram.

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    Реклама у блогеров — надёжный союзник в борьбе за привлечение внимания аудитории из-за разнообразия форматов:

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    Тизерная реклама

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    Подобные рекламные объявления размещают в виде блока с иллюстрацией и кликбейтным заголовком. Заглавие в большинстве случаев неправильно интерпретирует материал, опубликованный в статье. Главная цель заголовка — пробудить интерес посетителя сайта и заставить пользователя перейти по ссылке.

    \n\n\n\n

    Эффективность тизерной рекламы довольно низка. На кликбейтные заголовки реагируют преимущественно представители пожилого поколения. Основные пользователи Сети, люди среднего возраста, негативно относятся к такой информации и перехода на веб-сайт не совершают.

    \n\n\n\n

    Pop-up, Pop-under, Click-under

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    Перечисленные выше методы называют агрессивными видами рекламы. Но у тем арбитражникам, которые умело обращаются с кликандером, попапом или попандером, удаётся конвертить целевой трафик с минимальными денежными затратами.

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    Pop-up представляет собой всплывающее окно, появляющееся поверх страницы веб-сайта. Как правило, в таком объявлении размещается актуальное предложение для целевой аудитории (специальная акция или купон на скидку). Подобный подход оптимален для товаров массового спроса. В то же время такие рекламные объявления зачастую отталкивают пользователей навязчивой подачей.

    \n\n\n\n

    Pop-under вызывает меньше раздражения посетителей сайта. Его называют более деликатным рекламным форматом, чем pop-up. Сообщение появляется под рабочей вкладкой, не занимая собой весь экран. Такая реклама показывается после того, как посетитель сайта прочитал основную страницу и собирается уйти с веб-ресурса.

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    Click-under — объявления, аналогичные формату  pop-under. Сообщение рекламного характера всплывает, когда пользователь кликает на любое место веб-сайта.

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    Таким способом арбитражник может разместить объявление практически для любого оффера. Главное, чтобы этот контент попадал в поле зрения ЦА, а сам веб-сайт имел схожую тематику.

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    Модели оплаты для арбитражника

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    Арбитражник может получать оплату за указанные ниже виды действий:

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    Советы по рекламе в интернете

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    На раннем этапе очень важны:

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    Большое значение имеет и определение ниши для арбитражного трафика, которые условно разделяют на три типа:

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    К белому арбитражу относится, в первую очередь, сфера E-commerce. Эту нишу довольно легко продвигать, поскольку большинство пользователей часто делает покупки на интернет-площадках. Однако в сфере E-commerce высокая конкуренция среди новичков (из-за низкого порога входа).

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    Распространенный подвид E-commerce — товарка, представляющая собой реализацию недорогой продукции, импортированной из-за рубежа. Это одна из наиболее простых вертикалей для арбитражников без опыта. Здесь не требуется создания сложных воронок. Товарка — отличный вариант для знакомства с тем, как устроены реклама и арбитражный трафик.

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    Серый арбитраж охватывает сферы:

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    Черный арбитраж охватывает разнообразные мошеннические схемы. Действия, сопряженные с вымогательством денег и обманом пользователей, нарушают законодательные нормы и этические принципы..

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    Заработок арбитражника

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    Поскольку сфера деятельности арбитражника — привлечение рекламы для привлечения трафика на оффер, главное для него — увеличить прибыль и оптимизировать доходы. Заработок этого специалиста не имеет потолка. Размер вознаграждения во многом зависит от условий оффера. В Сети размещено большое количество успешных кейсов. Например, один из представителей CPA-партнёрки Actionpay сумел заработать 48 000+ рублей за настройку таргетированной рекламы VK на оффер престижного московского института.

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    О сервисе Пампаду

    \n\n\n\n

    Интернет-платформа Пампаду помогает развивать агентские сети в любом российском регионе, монетизировать трафик, используя баннеры, виджеты и реферальные ссылки. Деньги выплачиваются на счёт юрлица или банковскую карту.

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    \"\"
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    Онлайн-платформа ориентирована на:

    \n\n\n\n\n\n\n\n
    \"\"
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    После регистрации в сервисе пользователю предоставляется доступ к действенным средствам для заработка при помощи арбитражного трафика:

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    Регистрация в сервисе  Пампаду — действенный способ получения дополнительного дохода для начинающих. Читайте полезные статьи, изучайте тематические видео! Online-чат поддержки и личный куратор помогут разобраться с возникающими вопросами.

    \n', 'Виды рекламы в интернете для арбитражника', 'Существуют разнообразные виды рекламы в интернете для арбитражников (тизерная, таргетированная, контекстная). Чтобы добиться успеха в этой сфере, важно обладать аналитическим складом ума, хорошим знанием маркетинга.', 'publish', 'open', 'open', '', 'vidy-reklamy-v-internete-dlya-arbitrazhnika', '', '', '2023-07-25 13:21:39', '2023-07-25 13:21:39', '', 0, 'https://pampadu.ru/blog/?p=3316', 0, 'post', '', 0), (3317, 13, '2023-07-25 13:26:49', '2023-07-25 13:26:49', '\n

    ? Теперь вы можете зарабатывать до +10% больше за каждый выданный займ!

    \n\n\n\n

    ?Офферы с повышенными ставками:

    \n\n\n\n

    Быстроденьги - on-line
    Зарабатывайте 3 920 р. за каждый выданный заем.

    \n\n\n\n

    Creditter - Заем
    Зарабатывайте 3 200 р. за каждый выданный заём новому клиенту.

    \n\n\n\n

    Срочно деньги - займ
    Зарабатывайте 2 640 р. за каждый выданный займ.

    \n\n\n\n

    Credit7 - Выдача заема
    Зарабатывайте 1 930 р. за каждый выданный заем

    \n\n\n\n

    ?Также рекомендуем:

    \n\n\n\n

    Веб-займ - Выдача
    Зарабатывайте до 5 680 руб. за каждый выданный займ новому клиенту.

    \n\n\n\n

    До Зарплаты - микрозайм
    Зарабатывайте до 4 640 р. за каждый выданный заем новому клиенту.

    \n\n\n\n

    Webbankir - Выдача
    Зарабатывайте 4 000 р. за каждый выданный займ.

    \n\n\n\n

    Max.Credit - микрозаймы
    Зарабатывайте 3 900 р. за каждый выданный займ.

    \n\n\n\n

    Увеличивайте свой заработок вместе с нами!

    \n', 'Повышаем ставки по офферам МФО', 'Зарабатывайте до +10% больше за каждый выданный займ! \nОфферы с повышенными ставками внутри статьи.', 'publish', 'open', 'open', '', 'povyshaem-stavki-po-offeram-mfo', '', '', '2023-07-25 13:26:49', '2023-07-25 13:26:49', '', 0, 'https://pampadu.ru/blog/?p=3317', 0, 'post', '', 0), (3318, 1, '2023-07-25 13:17:04', '2023-07-25 13:17:04', '', '1030х502-8 (3)', '', 'inherit', 'open', 'closed', '', '1030h502-8-3-2', '', '', '2023-07-25 13:17:04', '2023-07-25 13:17:04', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-8-3.jpg', 0, 'attachment', 'image/jpeg', 0), (3320, 1, '2023-07-25 13:26:21', '2023-07-25 13:26:21', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-108', '', '', '2023-07-25 13:26:21', '2023-07-25 13:26:21', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-16.png', 0, 'attachment', 'image/png', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3322, 15, '2023-07-25 13:34:24', '2023-07-25 13:34:24', '\n

    Платформа партнерского маркетинга Пампаду активно сотрудничает с частными риелторами и крупными агентствами по недвижимости. Мы стремимся расширять сеть партнеров и совершенствовать свои офферы для плодотворного сотрудничества.

    \n\n\n\n

    Начинающих предпринимателей обычно волнует вопрос, как назвать агентство недвижимости, чтобы его имя было запоминающимся и приносило удачу? Владелец риелторской конторы должен решить такой вопрос одним из первых. Мы изучили эту тему и подготовили для вас подробное руководство.

    \n\n\n\n

    Принципы построения названий агентств недвижимости

    \n\n\n\n

    Выбрать информативное, запоминающееся, но при этом несложное название для риелторского агентства – непростая задача. Рекомендуем использовать следующие принципы.

    \n\n\n\n

    Смысловая нагрузка

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    В названии риелторской конторы должен быть заложен конкретный смысл, в данном случае – тот факт, что компания проводит операции с собственностью. 

    \n\n\n\n

    Тематические имена обычно образуют из слов «дом», «город», «недвижимость», «жилье», «квартал», «аренда». Для благозвучия к ним добавляют слова, заимствованные из иностранного языка и звучащие по-деловому, – estate, realty, city. Популярны также неологизмы с корнями «жил», «дом», «риэлт».

    \n\n\n\n

    Примеры: «ДомПлюс», «АбсолютСити», «Жилцентр», «РиэлтМенеджер», «Азбука недвижимости».

    \n\n\n\n

    Краткость

    \n\n\n\n

    Короткое имя проще запомнить. По правилам нейминга рекомендуется составлять название не более чем из трех слов, во избежание информационной перегрузки. Можно использовать оригинальные, интересно звучащие наименования. Они могут быть образованы от имен собственных или заимствованы из иностранной лексики, мифологии.

    \n\n\n\n

    Но такой вариант будет уместен в том случае, если в вашем городе нет заведений с тем же именем. Например, «Виктория» может быть не только названием риелторской конторы, но также салона красоты, кафе или иного заведения.

    \n\n\n\n

    Примеры: «Империум», «Династия», «Вега», «Доминанта», «Гелиус», «Гермес».

    \n\n\n\n

    Ассоциативность

    \n\n\n\n

    Приятные ассоциации заставляют клиентов возвращаться снова и снова. Конечно, в случае с агентством недвижимости одного удачного названия недостаточно – нужно оказывать услуги на высшем уровне, а ваши сотрудники должны быть благожелательны и учтивы. 

    \n\n\n\n

    Но строить приятные ассоциации можно начать с нейминга. Если смысловая нагрузка привлекает клиента, то ассоциации – возвращают его снова. Наименования могут отсылать даже к сказкам, в беззаботный мир детства и приятных воспоминаний.

    \n\n\n\n

    Примеры: «Город фонтанов», «Белый город», «Царский град», «Золотой источник», «Изумрудный город».

    \n\n\n\n

    Географическая привязка

    \n\n\n\n

    В наименовании агентства можно использовать название города, улицы, региона, сочетая их с другими словами.

    \n\n\n\n

    Пример: «Квартиры Сочи», «Уральская крепость», «Крымский берег», «Агентство недвижимости на Чехова», «Васильевский остров».

    \n\n\n\n

    По имени основателя

    \n\n\n\n

    Примеров, когда компании называют в честь своих основателей и руководителей, большое число. Нередко такие фирмы быстро становятся успешными, вытесняя конкурентов в своем сегменте. Но сначала убедитесь, что имя собственника легко запомнить, иначе от такого наименования лучше отказаться.

    \n\n\n\n

    Примеры: «Риелторская компания Скобякова», «Недвижимость от Эвелины», «Агентство недвижимости Андрея Сотникова».

    \n\n\n\n

    Примеры названий агентств недвижимости

    \n\n\n\n

    Название агентства недвижимости – один из важных критериев, который влияет на становление и развитие вашего бизнеса. Поэтому перед тем, как выбрать наименование, стоит изучить варианты в интернете, провести анализ агентств недвижимости, работающих в вашем городе. Существуют специальные сайты, на которых собраны примеры нейминга специально для риелторских компаний.

    \n\n\n\n

    Приведем несколько особо удачных, на наш взгляд, вариантов:

    \n\n\n\n\n\n\n\n

    Учтите, что многие названия использовать нельзя, они юридически защищены. К примеру, на них уже зарегистрирован товарный знак, марка, бренд. В спорной ситуации стоит проконсультироваться с юристом по вопросу охраны интеллектуальных прав.

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    Какие названия лучше не употреблять

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    Как можно увеличить доход риелторского агентства?

    \n\n\n\n

    Когда название риелторского агентства выбрано, пора переходить к путям его продвижения и поиску клиентов. Одним из источников клиентского трафика может стать партнерский маркетинг.

    \n\n\n\n
    \"\"
    \n\n\n\n

    Оказывая клиентам риелторские услуги, можно дополнительно предлагать им офферы по страхованию и кредитованию. Все эти возможности вы получите, став партнером сервиса Pampadu. Зарабатывать с нами легко – вы выполняете целевые действия и получаете за это вознаграждение в установленной сумме. Например, оформляя страхование имущества, можно получить комиссионные в размере до 60 % стоимости полиса.

    \n', 'Как назвать агентство недвижимости', 'Выбрать название для коммерческой организации всегда сложно. Риелторская контора – не исключение. Составили для вас наиболее полный гайд на тему, как назвать агентство недвижимости.', 'publish', 'open', 'open', '', 'kak-nazvat-agentstvo-nedvizhimosti', '', '', '2023-07-25 13:34:24', '2023-07-25 13:34:24', '', 0, 'https://pampadu.ru/blog/?p=3322', 0, 'post', '', 0), (3323, 1, '2023-07-25 13:28:54', '2023-07-25 13:28:54', '', '1030х502-1 (9)', '', 'inherit', 'open', 'closed', '', '1030h502-1-9-2', '', '', '2023-07-25 13:28:54', '2023-07-25 13:28:54', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-1-9.jpg', 0, 'attachment', 'image/jpeg', 0), (3325, 15, '2023-07-25 13:49:10', '2023-07-25 13:49:10', '\n

    Сервис партнерских программ Pampadu предлагает частным риелторам, агентствам по недвижимости дополнительный доход с распространения финансовых и страховых офферов. Зарабатывать с нами сможет любой – мы сотрудничаем с лицами разного налогового статуса. 

    \n\n\n\n

    Коммерческое предложение агентства недвижимости – это не просто один из видов рекламы. Так называют подготовленный специально для целевой аудитории документ с указанием контактов для связи, стоимости риелторских услуг. 

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    После создания риелторской компании важно определить нишу на имущественном рынке, выбрать целевую аудиторию, поставить задачи для привлечения потенциальных клиентов. Эти факторы будут актуальны до тех пор, пока фирма не создаст себе репутацию на рынке недвижимости, заработает доверие, позитивную оценку клиентов. 

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    На этом этапе занимаются разработкой коммерческого предложения. 

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    При его создании нужно обратить внимание, прежде всего, на постановку цели. Например, вы нацелены заинтересовать клиента в сотрудничестве – для этого он должен связаться с вами по телефону или посетить ваш офис. Цели могут различаться на разных этапах развития компании или даже при сотрудничестве с конкретными клиентами. 

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    Вторым критерием считают выбор ниши. Например, это может быть элитная собственность, коммерческая недвижимость, рынок вторичного жилья. Вы должны адаптировать коммерческое предложение под свои задачи, ориентируясь на конкретную целевую аудиторию. От этого зависит также выбор способов, каналов продвижения вашей компании.

    \n\n\n\n

    После создания коммерческого предложения вы сможете транслировать его большому количеству потенциальных клиентов.

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    Значение брендбука в коммерческом продвижении

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    Перед подготовкой презентации агентства желательно разработать его личный брендбук. Его создают, чтобы облегчить визуальную запоминаемость, идентификацию вашей фирмы. 

    \n\n\n\n

    Брендбук позволяет добиться узнаваемости компании, выделиться среди конкурирующих фирм, заинтересовать потенциальных клиентов. Его используют в процессе подготовки коммерческих предложений.

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    Выделяют такие компоненты брендбука агентства недвижимости:

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    Все, с чем может столкнуться ваш потенциальный заказчик, можно сделать узнаваемым, информативным. Главное – отдать разработку брендбука специалистам, ведь от этого зависит ваша репутация. 

    \n\n\n\n

    Уделите достаточно внимания айдентике бренда – выбору шрифта, цветовой гаммы, логотипа, слогана. Для создания каждого из этих элементов маркетологу необходимо провести анализ позиции фирмы, ее концепции, нишеванию. 

    \n\n\n\n

    Фирменный стиль компании поможет увеличить лояльность клиентов, нацелить их обратиться именно к вам за риелторскими услугами.

    \n\n\n\n

    Пути продвижения агентства недвижимости

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    Прежде, чем обратиться в риелторскую контору, клиенты собирают информацию о ней, изучают стоимость услуг, читают отзывы. Первому впечатлению принадлежит важная роль, и если соискателя что-то насторожит или оттолкнет, то вероятность сотрудничества будет невелика.

    \n\n\n\n

    Правильная подача информации поможет нужным образом расположить к себе целевую аудиторию. Но на создание продуктивного коммерческого предложения может уйти немало времени, сил. Даже когда вы уже наладите работу агентства, не нужно пренебрегать этим способом информирования клиентуры и продвижения риелторских услуг.

    \n\n\n\n

    Популярны такие виды презентаций для риелторской конторы:

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    Каждый из этих видов имеет особенности, требует наличия конкретных навыков, совершения определенных действий. Рассмотрим создание коммерческого предложения на примере соцсетей.

    \n\n\n\n

    Презентация в социальных сетях как один из действенных методов рекламы

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    Социальные сети – это отличная рекламная площадка с большим охватом. Соцсети выигрывают по посещаемости в сравнении с тематическими платформами для размещения объявлений о товарах и услугах. Это делает их подходящей площадкой для рекламы и презентации агентства недвижимости.

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    Для продвижения риелторских услуг в соцсетях можно использовать такие способы:

    \n\n\n\n\n\n\n\n

    Применение инструментов таргетинга и ретаргетинга позволяет маркетологам охватить большее число потенциальных клиентов. Отсечь нецелевую аудиторию можно с помощью специальных фильтров – по полу, возрасту, городу проживания, интересам и т. д.

    \n\n\n\n

    Продвижение в соцсетях позволит вам заявить о своем агентстве и представить его с лучшей стороны. При этом на такую рекламу не потребуется много средств, времени и сил.

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    Как правильно создать презентацию

    \n\n\n\n

    Презентация компании требует тщательной подготовки, поэтому лучше доверить эту задачу опытным маркетологам. От продуктивности рекламы напрямую зависят продажи объектов и поиск клиентов, а значит, и доход риелторской конторы.

    \n\n\n\n

    Если же вы не хотите использовать услуги рекламщиков, то можете заниматься продвижением вашего агентства самостоятельно. В интернете можно найти много примеров презентаций риелторских контор: печатных буклетов и других образцов рекламной продукции. Взяв их за основу, попробуйте своими силами создать оффер объекта недвижимости, ориентированный на определенную целевую аудиторию.

    \n\n\n\n

    Главное – сделать вашу риелторскую компанию узнаваемой и четко обозначить преимущества ваших услуг для клиентов. Так вы повысите вовлеченность целевой аудитории и привлечете новых клиентов.

    \n\n\n\n

    Каналы клиентского трафика

    \n\n\n\n

    Допустим, вы разработали брендбук и запустили рекламу в соцсетях. Но единственного правильного способа, чтобы расшевелить компанию и привлечь целевую аудиторию, не существует. Поэтому к выбору способов рекламы необходимо подходить комплексно.

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    На начальном этапе работы агентства, можно рассмотреть такие варианты привлечения клиентов:

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    Чтобы старт компании был успешным, стоит уделить каналам притока клиентов достаточно внимания.

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    Хотите, чтобы работа риелтором приносила больше дохода?

    \n\n\n\n

    Для эффективного продвижения агентства недвижимости стоит попробовать нестандартный подход и рассмотреть новые каналы поиска клиентов. Чтобы выделяться на фоне конкурентов, нужно предлагать клиентам больше возможностей.

    \n\n\n\n
    \"\"
    \n\n\n\n

    Не стоит занижать прайс на услуги и делать клиентам скидки. Наоборот, вы можете увеличить свой доход за счет участия в реферальных программах финансово-кредитных и страховых организаций. 

    \n\n\n\n

    На платформе Пампаду вы найдете множество офферов, которые можно использовать при работе со своей клиентской базой. Присоединившись к нашим партнерам, вы сможете увеличить доход от риелторства в 2-3 раза! К примеру, можно предлагать клиентам страхование ипотечной недвижимости и получать комиссионное вознаграждение за оформление полисов (до 60 % от их стоимости).

    \n', 'Коммерческое предложение агентства недвижимости: как правильно составить', 'Расскажем, как создать коммерческое предложение агентства недвижимости. В статье приведено много сведений о грамотной презентации риелторской конторы. Вы узнаете про этот и другие способы продвижения своих услуг. ', 'publish', 'open', 'open', '', 'kommercheskoe-predlozhenie-agentstva-nedvizhimosti-kak-pravilno-sostavit', '', '', '2023-07-25 13:49:10', '2023-07-25 13:49:10', '', 0, 'https://pampadu.ru/blog/?p=3325', 0, 'post', '', 0), (3326, 1, '2023-07-25 13:46:02', '2023-07-25 13:46:02', '', '1030х502-4 (9)', '', 'inherit', 'open', 'closed', '', '1030h502-4-9-2', '', '', '2023-07-25 13:46:02', '2023-07-25 13:46:02', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-4-9.jpg', 0, 'attachment', 'image/jpeg', 0), (3329, 15, '2023-07-25 14:12:37', '2023-07-25 14:12:37', '\n

    Контент-план для агентства недвижимости – это график публикаций с указанием тем, составленный на определенный период времени. Потребность в ведении социальных сетей диктуется текущими реалиями. Аккаунт в соцсетях имеет практически каждый эксперт, в том числе специалисты по работе с недвижимостью.

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    Сервис партнерских продаж Пампаду собрал и обобщил информацию о важности публикаций в соцсетях для работы риелтором. Мы расскажем вам про контент разных типов.

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    Специфика ведения соцсетей риелтора

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    Общаясь с аудиторией в своем блоге или на личной странице в социальных сетях, риелтор должен создать правильный посыл. Эту задачу осложняет тот факт, что он не может представить портфолио своих работ, как например, графический дизайнер, работник индустрии красоты или видеомонтажер. Как же донести ценность своих услуг до потенциальных клиентов?

    \n\n\n\n

    Составляя контент-план, нужно показать аудитории:

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    1. Суть

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    Многие читатели сомневаются, стоит ли обращаться к риелтору, если можно провести сделку напрямую. Такой подход актуален, только если покупать квартиру от застройщика или продавать жилье без обременений за наличный расчет. Но на деле подобных сделок – мизер. В остальных случаях без помощи риелтора иметь дело с недвижимостью нелегко. Опишите преимущества купли-продажи собственности с помощью риелтора по сравнению с самостоятельным ведением сделки.

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    2. Возможности

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    Опишите, какие услуги вы предоставляете и с какими случаями работаете. Для покупки недвижимости можно использовать материнский сертификат, военные и социальные программы, ипотеку – это усложняет форму договора купли-продажи. К проблемным сделкам относится также продажа комнат и долевой собственности. Чем шире возможности вы готовы предложить – тем больше клиентов к вам обратится.

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    3. Опыт

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    Расскажите читателям, какой у вас имеется опыт работы. Если вы – новичок, устройтесь на стажировку в агентство и описывайте свое становление в профессии. Вам всегда будет, чем поделиться с аудиторией.

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    4. Востребованность

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    Хороший специалист всегда востребован и завален заказами. Такой точки зрения придерживается большинство обывателей. Люди все время переезжают, женятся, разводятся, меняют работу – а значит, покупают и продают недвижимость, обращаясь за помощью к риелтору. Рассказывайте в постах о своих текущих сделках и объектах, находящихся у вас в работе.

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    5. Отзывы клиентов

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    Обязательно включите публикацию отзывов в контент-план. Они должны появляться на вашей странице регулярно и свидетельствовать о вашем профессиональном уровне. Даже если вы – начинающий риелтор, покажите свое стремление к росту и нацеленность на результат.

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    6. Себя

    \n\n\n\n

    Риелтор должен позиционировать себя не как безликого посредника с набором функций, а как живого человека с интересной жизнью и работой. Вы тоже переживаете свои взлеты и падения, житейские проблемы и приятные события. Почему бы не поделиться своими эмоциями с читателями?

    \n\n\n\n

    Почаще рассказывайте о своих интересах, планах, хобби и путешествиях. Это поможет вам сблизиться с аудиторией и обзавестись еще большим числом подписчиков.

    \n\n\n\n

    Посты для аккаунта риелтора в социальной сети: темы и виды контента

    \n\n\n\n

    Контент-план риелтора не должен состоять из одних продающих постов и описания услуг. Как ни удивительно, клиенты из соцсетей нередко находят агентов по недвижимости, читая полезный или развлекательный контент. Они могут следить за публикациями годами прежде, чем обратиться к риелтору за непосредственными услугами.

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    Услуги агента по недвижимости: перечень, описание

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    Перечень услуг с их описанием и стоимостью – важная часть ведения блога или персонального аккаунта риелтора. Такой контент относится сразу и к продающему, и к информационному типу.

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    Среди своих услуг можно перечислить такие:

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    Описание услуг поможет посетителю вашей странички понять, куда он попал и что полезного может здесь для себя найти.

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    Случаи из практики

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    В постах этой тематики можно рассказать и показать на примерах, чем клиенту может помочь риелтор. Опишите юридическую сторону, влияние человеческого фактора. Случаи из риелторской практики – пример информационного и вовлекающего контента для соцсетей.

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    Темами могут быть:

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    Упомяните про случаи, которые показывают вас не только как специалиста, но и демонстрируют человеческие качества. Например, о том, как вы нашли новое жилье для кота, у которого умерла хозяйка.

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    Отзывы клиентов

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    Размещение отзывов – важная часть в формировании репутации риелтора и повышении доверия к нему. Такую информацию относят к продающему контенту. Совершение сделки может растянуться на несколько месяцев, этот период – достаточный, чтобы клиент составил свое мнение о вас. Если же вам удалось закрыть сделку за короткий срок, клиент, тем более, будет доволен результатами сотрудничества с вами.

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    Отзывы лучше приводить в виде скринов, репостов, голосовых сообщений – но не в виде скопированных текстовых блоков. Вы можете написать о себе что угодно, но это не сравнится по эффективности с отзывами о вашей работе от реальных людей.

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     «Сейчас в работе»

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    Расскажите о своих текущих задачах. В режиме реального времени можно записать reels на тему того, как идет подготовка документов, проходят просмотры объектов – это может быть интересно вашим подписчикам. Поделитесь нюансами в совершении сделок, расскажите о камнях преткновения. Так вы покажите читателям, что не сидите без дела. Подобный контент также относится и к информационному, и к продающему.

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    Необычные дома или квартиры

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    Разбавить серьезные посты помогает развлекательный и вовлекающий контент. Это не значит, что вы лично имели дело с такой недвижимостью – информацию можно взять из интернета. 

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    Обычные квартиры с современным ремонтом не вызовут столько обсуждения, как, например, дворцовый интерьер, созданный в хрущевке. Можно рассказать о нестандартной планировке, необычном ремонте, дизайнерской мебели, заоблачной стоимости квартиры. Делитесь теми идеями и картинами, которые вас поразили.

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    Советы от профессионала

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    Рассмотрим пример еще одного типа контента – экспертного. Поделитесь своими кейсами и знаниями с читателями. В аккаунте можно разместить лайфхаки и советы от профи:

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    Такие посты сделают контент-план более разнообразным. Они покажут вас как профи, который делится полезной информацией и делает это бесплатно.

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    Обзор рынка недвижимости

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    В вашем сообществе должно быть достаточно информационного и экспертного контента. Рынок недвижимости постоянно меняется – то происходит падение спроса, то рост цен. Для подготовки постов можно использовать аналитические материалы тематических изданий или опирать на собственную оценку.

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    Старайтесь освещать различные темы, делиться новостями и наблюдениями. Примеры постов такой тематики:

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    Достижения

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    Репутационный тип контента поможет вам рассказать о своих достижениях в профессиональном плане. Всегда рассказывайте в постах об окончании профильных курсов, участии в семинаре, выступлении на телевидении. Такую информацию можно разместить в сторис – например, показав на видеозаписи полученный по итогам обучения сертификат. Также делитесь своими показателями в работе, числовыми характеристиками карьерного роста.

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    Факапы

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    Своими успехами приятнее делиться с окружающими, чем примерами неудач. Но, как ни странно, экспертность можно показать и с помощью факапов. Если вы не боитесь говорить о своих ошибках, то это свидетельствует о вашей уверенности в собственных силах.

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    Состоявшиеся специалисты могут без опаски использовать этот тип вовлекающего контента. Рассказывайте иногда читателям о неудачах из своей практики. Так вы на примерах покажете, что относитесь к своей работе серьезно и готовы отказаться от прибыли в случае, если сделка сомнительная или незаконная.

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    Примеры факапов:

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    Личные интересы

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    Разбавьте посты, связанные с риелторской деятельностью, развлекательным и вовлекающим контентом – историями из собственной жизни. Можно рассказать:

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    Подробности вашей жизни будут интересны другим, даже, если кажется, что это не так. Подобные посты раскроют вашу личность и помогут сблизиться с подписчиками.

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    Антихейт

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    Конечно, проще всего удалить негативные комментарии и забанить хейтера. Но даже хейтинг в сети можно использовать в собственных интересах, создав с его помощью вовлекающий контент. 

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    Займите проактивную позицию и напишите пост, разоблачающий домыслы или предположения недоброжелателей. Подобные посты обычно вызывают одобрение и поддержку подписчиков. Но не стоит их включать в контент-план слишком часто.

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    Точка зрения

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    Примером вовлекающего контента могут также служить обсуждения и проводимые среди подписчиков опросы. В подобных постах вы можете рассуждать на любую тему, относящуюся к недвижимости:

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    Мы привели в пример только малую часть тем, которые можно использовать в своем аккаунте. 

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    Пример матрицы контента

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    Готовую матрицу контент-плана для риелтора на неделю можно найти в интернете. Например, такую матрицу создал сервис автопостинга SMMplanner. Ее можно скачать на компьютер в виде таблицы или сохранить как копию на гугл-диске.

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    Но риелтору недостаточно составить контент-план. Главное – следовать ему, быть постоянным в публикациях, не исчезать, прислушиваться к мнению и желаниям аудитории, не забывая о разнообразии тем.

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    Дополнительные рекомендации

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    Хотите получать еще больше дохода от риелторства?

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    Сервис Пампаду сотрудничает с риелторами и специалистами по оценке недвижимости. Совмещайте свою основную работу с участием в нашей партнерской программе – и вы сможете получать дополнительный доход, не прилагая усилий!

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    \"\"
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    Статус партнера получает каждый, кто зарегистрировался на нашем сайте. Регистрация займет у вас не более 5 минут – необходимо только ввести данные в обязательные для заполнения поля. После этого вы сразу же получите доступ в личный кабинет, в котором представлены доступные для сотрудничества предложения и статистика поступлений средств.

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    На платформе Pampadu представлены офферы по страхованию, HR, банковским продуктам. К примеру, риелтор может получать вознаграждение на ипотечном страховании – до 60% от стоимости оформленного его клиентом полиса.

    \n', 'Контент-план для риэлтора и агентства недвижимости для соц.сетей', 'Как составить контент-план для агентства недвижимости? В статье мы подробно расскажем о том, как планировать размещение постов в социальных сетях.', 'publish', 'open', 'open', '', 'kontent-plan-dlya-rieltora-i-agentstva-nedvizhimosti-dlya-sots-setej', '', '', '2023-07-25 14:12:37', '2023-07-25 14:12:37', '', 0, 'https://pampadu.ru/blog/?p=3329', 0, 'post', '', 0), (3330, 1, '2023-07-25 14:07:29', '2023-07-25 14:07:29', '', '1030х502-3 (9)', '', 'inherit', 'open', 'closed', '', '1030h502-3-9-2', '', '', '2023-07-25 14:07:29', '2023-07-25 14:07:29', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-3-9.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3332, 15, '2023-07-25 14:27:40', '2023-07-25 14:27:40', '\n

    Чтобы увеличить клиентскую базу, повысить доходы от сделок с недвижимостью, риелторы часто используют брендирование. Специалисты сервиса партнерских продаж Пампаду подготовили для вас статью о продвижении своего бренда. К примеру, визитка риелтора поможет произвести хорошее первое впечатление на потенциальных клиентов.

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    Зачем риелтору и агентству недвижимости визитка

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    Остановимся на причинах, учитывая которые, агенту по недвижимости стоит использовать визитные карточки в своей работе.

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    1. Инструмент общения

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    Бизнес, связанный с недвижимостью, построен на личных встречах – их проводят, как минимум, чтобы заключить договор на оказание риелторских услуг. Чтобы не потерять клиента после встречи – оставьте ему хорошо оформленную визитную карточку. Так вероятность того, что он запомнит вас или обратиться снова, будет выше.

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    2. Партнерские связи

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    Визитные карточки используются не только для наработки клиентской базы. В деловой среде принято обмениваться визитками после знакомства или краткого общения. Такое сотрудничество может стать в дальнейшем плодотворным для вашего бизнеса, укрепит вашу репутацию.

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    3. Маркетинговый инструмент

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    Визитные карточки можно использовать для рекламы своих услуг в любом месте. По согласованию с администрацией заведения вы можете оставить стопку визиток на ресепшене бистро, в зоне ожидания отеля, других подобных местах. 

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    4. Рекомендации клиентов

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    Обратившись по контактам, указанным на карточке, человек узнает больше о ваших услугах и может принять решение ими воспользоваться. Но еще он может передать вашу визитку своим родственникам или друзьям, которые также могут стать вашими клиентами. Подобным образом вы можете получать рефералов от людей, которым раньше передали свою визитную карту. 

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    5. Хорошее первое впечатление

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    Наличие визитных карточек повышает уважение и доверие потенциальных клиентов. Оно косвенно свидетельствует о том, что вы относитесь к профессионалам, давно и серьезно занимаетесь этим бизнесом.

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    Что должно быть указано на визитке

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    Визитная карточка должна рассказывать об услугах, представлять ваш личностный бренд в положительном свете и производить на потенциального клиента благоприятное впечатление. С этой целью карта должна содержать необходимую информацию.

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    1. Название компании

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    Основная цель, для чего используют визитные карточки, – это реклама собственного бизнеса. Поэтому название агентства недвижимости, в котором вы работаете, – самая важная информация для размещения на них. 

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    2. Бизнес-логотип

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    Название компании желательно дополнить с помощью логотипа. Люди, которые могут не помнить название вашего агентства, скорее всего, запомнят эффектный логотип. 

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    Это один из эффективных способов позиционирования своего бренда. Если у вас нет фирменного логотипа, обратитесь к графическому дизайнеру, чтобы он разработал его для вашего бизнеса. 

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    3. Контактные данные

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    Визитная карточка должна содержать информацию о том, как можно с вами связаться. Укажите адрес риелторской конторы, вашу должность и номер мобильного телефона, которым вы пользуетесь для работы. 

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    Добавьте сюда информацию обо всех каналах, по которым можно с вами общаться, – например, в мессенджерах или социальных сетях. Чтобы не загромождать пространство визитной карточки, можно разместить на ней иконки таких приложений.

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    Особенности визиток для риелторов

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    Визитная карточка риелтора – это не только средство для передачи контактных данных в надежде, что клиент обратится к вам снова. Это возможность выделиться среди конкурентов, перспективный инструмент для продвижения агентства недвижимости.

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    Визитка риелтора должна быть адаптирована для достижения успеха в бизнес-задачах. В ней необходимо заложить призыв к действию, логотип, бренд, слоган. Если ничего из этого нет, можно заказать разработку фирменного стиля у специалиста. 

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    Изучите визитки конкурентов. Вероятно, они наведут вас на новые идеи. Но не нужно пользоваться готовыми шаблонами. Думайте о том, как важно отличаться от конкурентов, чтобы вас запомнили потенциальные клиенты.

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    Дополнительные элементы для создания собственного уникального предложения

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    Помимо контактной информации, которую обязательно указывают на визитке, маркетологи советуют включать в нее и другие элементы.

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    В визитную карточку риелтора можно добавить QR-Код. С его помощью можно направить потенциальных клиентов на собственный сайт или профиль в социальных сетях. Этот небольшой цифровой элемент может усилить маркетинговый потенциал вашей компании.

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    Важен и выбор стиля карточки. Тип бумаги и цветовая гамма, которые вы предпочтете, многое скажет о вашем бизнесе. Поэтому стоит тщательно обдумать, что это будет за посыл. 

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    К примеру, массивные визитки с золотистым тиснением будут намекать на то, что вы работаете с недвижимостью премиального сегмента. Стандартная тонкая карта с простой отделкой и глянцевой поверхностью будет транслировать, что вы открыты для всех клиентов.

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    Плюсы использования визиток риелтора

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    К плюсам визитных карточек относятся их информативность и доступность. Напечатать необходимый объем такой типографской продукции можно достаточно быстро и дешево. Если вы оформите срочный заказ, то сможете получить готовую печатную продукцию уже через несколько часов.

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    Другое преимущество – возможность использовать креативное оформление, применить любой дизайн. Информацию об услугах риелтора, размещенную на визитке, можно дополнить сведениями об акциях, скидках, специальных предложениях. Это поможет привлечь новых клиентов и обеспечит дальнейшее сотрудничество с уже имеющимися.

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    Для повышения своей узнаваемости можно разместить на карточке свое фото. Этот способ знакомства с клиентами позволит быстро расположить к себе человека и повысить шансы на взаимодействие.

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    Примеры визиток

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    \"Шаблоны
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    \"Шаблоны
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    \"Шаблон
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    \"Шаблон
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    \"42
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    Как еще риелтору можно продвигать свои услуги?

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    Зарегистрировавшись и став партнером на платформе партнерских продаж Пампаду, вы сможете получать дополнительный доход на продаже банковских и страховых офферов.

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    Например, вы можете рекомендовать своим клиентам страхование ипотеки с оформлением полиса через наш сервис. Страховка обойдется клиенту на 20-40 %, дешевле, чем в банке, а вы получите комиссионное вознаграждение за участие в партнерской программе – до 60 % от цены полиса.

    \n', 'Визитки для риэлтора и агентств недвижимости: примеры и образцы', 'Расскажем, какой должна быть визитка риелтора. Мы рассмотрим, как с помощью визитной карточки можно повысить свою репутацию, увеличить лояльность клиентов.', 'publish', 'open', 'open', '', 'vizitki-dlya-rieltora-i-agentstv-nedvizhimosti-primery-i-obraztsy', '', '', '2023-07-25 14:27:40', '2023-07-25 14:27:40', '', 0, 'https://pampadu.ru/blog/?p=3332', 0, 'post', '', 0), (3333, 1, '2023-07-25 14:23:15', '2023-07-25 14:23:15', '', '1030х502-4 (10)', '', 'inherit', 'open', 'closed', '', '1030h502-4-10-2', '', '', '2023-07-25 14:23:15', '2023-07-25 14:23:15', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-4-10.jpg', 0, 'attachment', 'image/jpeg', 0), (3335, 1, '2023-07-25 14:29:52', '2023-07-25 14:29:52', '', '1030х502-2 (8)', '', 'inherit', 'open', 'closed', '', '1030h502-2-8-2', '', '', '2023-07-25 14:29:52', '2023-07-25 14:29:52', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-2-8.jpg', 0, 'attachment', 'image/jpeg', 0), (3337, 13, '2023-07-25 14:36:52', '2023-07-25 14:36:52', '\n

    Кредитные карты выручают людей до зарплаты, когда срочно нужно срочно купить товары, а денег нет. Льготный период позволяет воспользоваться заемными деньгами, не переплачивая проценты. Неудивительно, что число пользователей кредиток стремительно растет. 

    \n\n\n\n

    Кредиторы заинтересованы в выдаче займов. Чтобы получить больше клиентов, почти в каждом банке существует реферальная программа кредитных карт. На сайте Пампаду вы найдете выгодные предложения сотрудничества, которые позволят вам зарабатывать за привлечение новых пользователей. 

    \n\n\n\n

    Что такое партнерская программа кредитных карт

    \n\n\n\n

    Партнерка кредитных карт — это способ привлечения банком новых пользователей кредиток. Главную роль при этом играют партнеры (агенты): они находят людей, желающих оформить кредитные карты. Банк, в свою очередь, выплачивает партнеру вознаграждение, которое исчисляется тысячами рублей.

    \n\n\n\n

    Такое сотрудничество выгодно для обеих сторон: банк получает нового клиента, а агент — хороший доход. При этом партнерские программы кредитных карт работают лучше рекламы, так как гарантированно приносят пользователей. Банки платят за уже  реального клиента, а не за гипотетического, который может, как воспользоваться услугой, так и нет.

    \n\n\n\n

    Еще одно преимущество партнерки кредитных карт для банка в том, что она позволяет найти заемщиков даже в отдаленных регионах, куда сложно выйти с рекламой.

    \n\n\n\n

    Агентом программы может стать любой дееспособный человек. Опыт его работы в финансовой сфере неважен, то есть, подойдет и домохозяйка, и студент, и пенсионер. Главное, знать способы размещения предложений и механизм привлечения клиентов.

    \n\n\n\n

    Сколько можно заработать на партнерке кредитных карт

    \n\n\n\n

    60-70% агентов зарабатывают 20 000-30 000 тысяч ежемесячно. При этом большинство из них имеют основную работу, которая никак не пересекается с партнерским доходом: привлекать новых клиентов можно, когда удобно. Около 5% партнеров выходят на заработки 100 000 рублей в месяц. Доход остальных агентов меньше 20 000 в месяц, но увеличивается со временем: чем дольше привлекаешь новых клиентов, тем лучше разбираешься в системе, и тем больше зарабатываешь.

    \n\n\n\n

    Выбирайте сразу несколько предложений банков на нашем сайте и увеличивайте свой доход. Заработок с одного клиента составляет от 1 680 до 8 550 рублей. Вывод средств доступен от 750 рублей.

    \n\n\n\n

    Источники трафика под офферы

    \n\n\n\n

    Прежде чем лить трафик, нужно учитывать целевую аудиторию. Типичный портрет пользователя кредитки:

    \n\n\n\n\n\n\n\n

    Больше половины пользователей имеют средний доход, который позволяет купить бытовую технику, но не недвижимость или машину. Примерно 1/3 клиентов хватает только на одежду и еду, остальные покупки они совершают за счет заемных средств.

    \n\n\n\n

    Источники трафика:

    \n\n\n\n
    1. Витрины сравнения. Как правило, человек готов потратить несколько часов, чтобы найти выгодное предложение. Это объясняет популярность витрин сравнения, в которых представлено несколько офферов. 
    2. Чат-боты Telegram и VK. Это альтернатива витринам, позволяющая выбирать подходящие продукты, используя кнопки управления. Чат-боты хороши тем, что естественно вписываются в большинство рекламных форматов.
    3. Брокерский трафик. Выглядит это примерно как объявление: «Оставьте заявку на кредит, и мы разошлем ее в 15 банков». Пользователь заполняет лид-форму на финансовый продукт, а его заявка уходит в партнерскую сеть.
    4. E-mail-рассылка. Проще всего заинтересовать теплую аудиторию. Для этого нужно отправлять цепочки писем. Способ хорош тем, что один пользователь может купить несколько продуктов у разных банков.
    5. Контекстная реклама. Кредитки не запрещены в Гугле, но конкуренция по ним высокая. Чтобы перебить ставки крупных конкурентов, надо делить страну на регионы и заливать несколько объявлений (в каждое по одному ключевику).
    6. Таргет, пуши, тизеры. Эти способы можно объединить в одну категорию, так как трафик оттуда выходит наименее целевой. Чтобы привлечь клиентов, аудиторию нужно прогреть или создать «вау-эффект».
    \n\n\n\n

    Офферы кредитных карт

    \n\n\n\n

    Предлагаем вашему вниманию офферы для привлечения клиентов:

    \n\n\n\n
    БанкКредитная картаСумма вознаграждения (в рублях)
    Газпромбанк180 дней без %До 7 600
    ВТБ«Возможностей»До 5 320
    Кредит Европа БанкMETROДо 4 260
    Кредит Европа БанкUrbanДо 4 210
    ТинькоффPlatinumДо 4 200
    ТинькоффTinkoff Platinum // акция — вернем 2000 ₽, при тратах от 5000 ₽До 4 200
    Альфа-БанкTravelДо 4 000
    \n\n\n\n

    Таким образом, партнерская программа кредитных карт альфа позволяет заработать несколько тысяч рублей так же, как и другие банки. Привлекая новых клиентов, вы не ограничены одним банком. Так, партнерка кредитных карт альфа доступна вам вместе с другими продуктами, например, от ВБТ.

    \n\n\n\n

    О сервисе Пампаду

    \n\n\n\n

    На сайте Пампаду вы найдете партнерские программы кредитных карт и получите опытного наставника, который поможет вам быстро найти первых клиентов.

    \n\n\n\n

    Преимущества партнерки с Пампаду:

    \n\n\n\n\n\n\n\n

    Регистрируйтесь на сайте Pampadu и получайте стабильный доход. Чтобы работать как физлицо или самозанятый, примите условия публичного договора-оферты. Если вы выступаете как ИП или юрлицо, то подпишите соглашение в электронном виде.

    \n', 'Партнерская программа кредитных карт: что это и как работает', 'Реферальная программа кредитных карт — это надежный способ получать стабильный доход, сотрудничая сразу с несколькими банками. О том, что такое партнерка кредиток и как она работает — читайте в статье.', 'publish', 'open', 'open', '', 'partnerskaya-programma-kreditnyh-kart-chto-eto-i-kak-rabotaet', '', '', '2023-07-25 14:36:52', '2023-07-25 14:36:52', '', 0, 'https://pampadu.ru/blog/?p=3337', 0, 'post', '', 0), (3338, 1, '2023-07-25 14:34:40', '2023-07-25 14:34:40', '', '1030х502-5 (9)', '', 'inherit', 'open', 'closed', '', '1030h502-5-9-2', '', '', '2023-07-25 14:34:40', '2023-07-25 14:34:40', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-5-9.jpg', 0, 'attachment', 'image/jpeg', 0), (3340, 13, '2023-07-25 14:42:24', '2023-07-25 14:42:24', '\n

    Партнерская программа вкладов дает возможность получать основной или дополнительный доход на выгодных для банка и партнера условиях. Онлайн-платформа для заработка на финансовых продуктах Пампаду предлагает присоединиться к программе и зарабатывать на продаже финансовых продуктов и предоставлении целевых услуг за комиссионное вознаграждение. Что такое партнерки вкладов? Как они действуют? Кто может зарабатывать на партнерских программах? Ответы на эти вопросы рассмотрим ниже.

    \n\n\n\n

    Что представляет из себя партнерская программа вкладов?

    \n\n\n\n

    Практически каждый российский банк предлагает партнерские программы. Такое сотрудничество приносит дивиденды каждому участнику. Банки при помощи партнерок получают новых вкладчиков. Партнеры же получают комиссионное вознаграждение, которое может стать дополнительным источником средств, если привлечь больше клиентов – даже полноценным заработком на дому.

    \n\n\n\n

    Финансовая организация и партнер заключают соглашение о сотрудничестве, оформленное при помощи заключения агентского договора. Задача партнера – привлекать физических и юридических лиц, а также индивидуальных предпринимателей в ряды клиентов банка для размещения вкладов. За каждого нового вкладчика выплачивается комиссионное вознаграждение.

    \n\n\n\n

    Помимо этого, партнер выполняет еще ряд функций:

    \n\n\n\n\n\n\n\n

    Реферальная программа вкладов может стать источником пассивного дохода. Как этого добиться, расскажем далее.

    \n\n\n\n
    \"\"
    \n\n\n\n

    Кто может стать партнером банка?

    \n\n\n\n

    Партнерская программа доступна любому желающему. Это физ- и юрлица, а также ИП и самозанятые. Часто в партнерские программы вкладов привлекаются блогеры и бизнес-тренеры. Для них такой формат сотрудничества достаточно удобен. Их аудитория – как раз тот ресурс, который необходим для привлечения вкладчиков в банк. Поэтому им не приходится искать клиентов дополнительно. Это люди, изначально заинтересованные в предлагаемой услуге. А еще подписчики и слушатели доверяют мнению человека, который предлагает вложить средства в конкретный банк.

    \n\n\n\n

    Не меньших успехов на данной ниве добиваются владельцы бизнеса. Они привлекают в качестве клиентов коллег, партнеров и сотрудников, юристы, бухгалтеры, вебмастера и т.д.

    \n\n\n\n

    Впрочем, даже для человека, не имеющего многотысячной аудитории или бизнес-связей партнерка вкладов может стать способом заработка. Здесь главное – тщательно подойти к выбору программы.

    \n\n\n\n

    Как работает программа?

    \n\n\n\n

    Принцип действия партнерки прост. Каждый партнер получает уникальную реферальную ссылку, по которой клиент может обратиться для дальнейшего заключения договора на размещение вклада в банке. Система фиксирует источник, через который вкладчик связался с банком, и после оформления соглашения выплачивает комиссию владельцу ссылки.

    \n\n\n\n

    Ее можно разместить в блоге или на обучающей онлайн-платформе, чтобы подписчики или ученики могли перейти по ней; переслать по почте или мессенджеру либо распространять любыми другими способами.

    \n\n\n\n

    Как стать участником партнерской программы?

    \n\n\n\n

    Каждый банк предлагает партнерки на различных условиях. Прежде чем заключать договор, рекомендуется внимательно изучить имеющиеся офферы. 

    \n\n\n\n

    Банки публикуют информацию об условиях партнерских программ на своих официальных сайтах, однако гораздо легче выбрать организацию для сотрудничества при помощи онлайн-платформы ПамПаду. Здесь есть инструменты, дающие возможность изучить и проанализировать офферы. На ресурсе собраны предложения более десятка банков. Зайдите на агрегатор и сравните их. Специальный подборщик финансовых продуктов поможет сделать это быстро и легко. Интерфейс платформы понятен даже новичку. При этом функционал сервиса дает возможность решать любые задачи. 

    \n\n\n\n

    Зарабатывайте на партнерке с нами

    \n\n\n\n

    Пампаду предоставляет все необходимые инструменты для работы с банками на условиях партнерской программы:

    \n\n\n\n\n\n\n\n

    От вас не потребуется сложных действий и лишних усилий. Достаточно зарегистрироваться на онлайн-платформе Пампаду. Это не займет больше 5 минут. Используйте подборщик, чтобы найти подходящий финансовый продукт. Как только выбор сделан, вы сразу можете отправлять ссылки клиентам. Вознаграждение поступит на ваш баланс сразу после того, как банк подтвердит целевое действие.

    \n', 'Партнерская программа вкладов: что это и как работает', 'Статья рассказывает о том, что такое реферальная программа вкладов, как стать партнером банка и зарабатывать на этом, а также объясняет, как быстро и удобно найти выгодные партнерки при помощи онлайн-агрегаторов.', 'publish', 'open', 'open', '', 'partnerskaya-programma-vkladov-chto-eto-i-kak-rabotaet', '', '', '2023-07-25 14:42:24', '2023-07-25 14:42:24', '', 0, 'https://pampadu.ru/blog/?p=3340', 0, 'post', '', 0), (3341, 1, '2023-07-25 14:39:57', '2023-07-25 14:39:57', '', '1030х502-7-1', '', 'inherit', 'open', 'closed', '', '1030h502-7-1-2', '', '', '2023-07-25 14:39:57', '2023-07-25 14:39:57', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-7-1.jpg', 0, 'attachment', 'image/jpeg', 0), (3342, 1, '2023-07-25 14:41:53', '2023-07-25 14:41:53', '', '1690296090254', '', 'inherit', 'open', 'closed', '', '1690296090254', '', '', '2023-07-25 14:41:53', '2023-07-25 14:41:53', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1690296090254.jpg', 0, 'attachment', 'image/jpeg', 0), (3344, 13, '2023-07-26 11:49:07', '2023-07-26 11:49:07', '\n

    ❔ Дорогие агенты, часто от вас приходили вопросы в техническую поддержку по фин. продуктам и мы собрали часто задаваемые из них:

    \n\n\n\n

    — Оформил карту, когда деньги придут?

    \n\n\n\n

    В описании каждого оффера указан срок, в течении которого происходит начисление по конверсии. Обычно начисление по подтвержденным конверсиям происходит в период сверки с 5 по 15 число каждого месяца за предыдущий.
    Начисление происходит только по конверсиям, по которым было выполнено целевое действие в отчетный период или раньше.

    \n\n\n\n

    — Почему статус конверсии долго не меняется с «В работе» на «На проверке» ?

    \n\n\n\n

    После заполнения заявки на сайте банка в статистике появляется конверсия со статусом \"В работе\". Обычно статус \"В работе\" меняется на статус \"На проверке\" в течении недели после выполнения целевого действия, это может быть выдача карты или выдача карты с покупкой на определенную сумму.
    В некоторых случаях статус \"В работе\" может сразу измениться на статус \"Начислено\". Обычно это происходит в период сверки.

    \n\n\n\n

    — Отправили запрос на поиск конверсии, прошел месяц и нет ответа, что делать?

    \n\n\n\n

    Если вы не получили ответ, то запрос еще находится в работе. Обработка запросов на поиск конверсий происходит один раз в месяц в период сверки и в случае, если конверсии не будут найдены, по вашей заявке будет отправлен запрос в банк, обработка которого обычно занимает от 30 до 120 дней.
    В зависимости от банка, сроки обработки запрос могут быть увеличены и к сожалению ускорить данный процесс не возможно.
    Мы предоставим Вам ответ на почту, которую вы указали при заполнении формы на поиск конверсии при любом решении.

    \n\n\n\n

    ⚡️ Подпишитесь на обновления по банковским офферам в нашем канале и узнавайте все новости первыми!

    \n\n\n\n

    С заботой о вас,
    команда Пампаду

    \n', 'Актуальные вопросы по банковским продуктам на Пампаду', 'Раскрыли ответы на вопросы по банковским продуктам, которые поступали от пользователей Пампаду', 'publish', 'open', 'open', '', 'aktualnye-voprosy-po-bankovskim-produktam-na-pampadu', '', '', '2023-07-26 11:49:07', '2023-07-26 11:49:07', '', 0, 'https://pampadu.ru/blog/?p=3344', 0, 'post', '', 0), (3345, 1, '2023-07-26 11:48:10', '2023-07-26 11:48:10', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-109', '', '', '2023-07-26 11:48:10', '2023-07-26 11:48:10', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-17.png', 0, 'attachment', 'image/png', 0), (3347, 13, '2023-07-26 13:22:47', '2023-07-26 13:22:47', '\n

    Через платформу Пампаду можно зарабатывать на партнерских программах дебетовых карт. Сервис сотрудничает с банками, которые предлагают получать доход на продвижении финансовых продуктов. Платежные средства можно предлагать получить друзьям, привлекать трафик из социальных сетей, своего блога, сайта, канала на Ютубе, других видеохостингах. О том, как работает реферальная программа дебетовых карт, сколько можно заработать с помощью этого способа, поговорим в статье.

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    Партнерская программа дебетовых карт: что это

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    Партнерка дебетовых карт – это способ монетизации трафика, получения пассивного заработка. Пользователь занимается продвижением банковских услуг, предлагая читателям блога или подписчикам в социальной сети оформить карточку. За каждого клиента финансовая организация выплачивает вознаграждение.

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    Сотрудничество с банком взаимовыгодное. Компания заинтересована в новых клиентах, поэтому готова выплачивать часть прибыли партнеру. Его задача сводится к поиску новых пользователей, готовых оформить карточки. Вариант заработка подходит для:

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    Вознаграждение выплачивается, если клиент оформил карточку и активировал ее, совершив первую покупку на не менее 500 руб.

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    Сколько можно заработать

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    Партнерки дебетовых карт не ограничивают размер заработка. Доход зависит от вашей активности, посещаемости ресурса, на котором публикуется информация. Вознаграждение выплачивают за каждую регистрацию и активацию карточки. Его размер составит 710-2600 руб. Если активно работать или иметь раскрученный блог, можно получать от 100 тыс. руб. в месяц. Вознаграждение начисляется сразу после выполнения условий партнерской программы дебетовых карт.

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    Офферы дебетовых карт

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    Работать с офферами дебетовых карт выгодно. Банковский продукт пользуется популярностью. Он позволяет совершать безналичные операции со своими средствами. Карточки используются для оплаты всех видов товаров и услуг, платежей в интернете.

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    ЦА дебетовых карточек – работающее население в возрасте 21-50 лет. Оно разбирается в условиях предложений, постоянно ищет подходящие. При работе с офферами важно сегментирование не по возрасту и финансовому положению, а по категориям. Опирайтесь на ЦА вашего блога или сайта. Автомобилистов можно привлечь кэшбеком за покупку топлива, путешественников – бонусными милями на оплату билетов. Хорошие офферы есть в:

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    Изучить доступные предложения можно, зарегистрировавшись на платформе Пампаду в качестве партнера.

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    Источники трафика

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    Чтобы получать доход с партнерки дебетовых карт, необходимо привлекать трафик. Его источниками могут стать:

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    1. Чат-боты Вконтакте. Он подходит для теста новых офферов. С помощью чат-ботов можно предложить клиенту подобрать услугу. Их применение позволяет закрыть возражения и подтолкнуть клиента к использованию финансовой услуги. Однако не все банки одобряют такой источник трафика.
    2. Соцсети. Источник подходит новичкам и профессионалам. Продвигать предложения можно с помощью таргета, постов в группах. Однако важно читать условия офферов. Ряд изображений может быть запрещен.
    3. Тизеры. Инструмент позволяет получить большой объем трафика за относительно небольшие деньги. Однако нужно учитывать его источник. Важно грамотно настроить тизеры, чтобы не получать сомнительный или запрещенный трафик.
    4. Рассылки по электронной почте. Это сложный источник привлечения пользователей. Потребуется база адресов. Причем она должна быть «подогретой». «Холодные» рассылки зачастую пользу не приносят.
    5. Push-уведомления. Недорогой эффективный источник. Он позволяет получить целевой трафик. Появление уведомления срабатывает как триггер. Он становится решением, который искал клиент.
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    Способы получения трафика можно комбинировать. Так удастся повысить эффективность работы.

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    О сервисе Пампаду

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    Сервис Пампаду открывает доступ к партнерским программам банков. Он позволяет найти выгодное предложение и начать его продвижение. Клиент получает готовые инструменты для работы по привлечению трафика. Пользователю доступны виджеты, реферальные ссылки. Сервис доступен на любых устройствах. Регистрация занимает 5 минут. Затем вы получите доступ к личному кабинету и инструментам для заработка.

    \n', 'Партнерская программа дебетовых карт: что это и как работает', 'Через платформу Пампаду можно зарабатывать на партнерских программах дебетовых карт. Сервис сотрудничает с банками, которые предлагают получать доход на продвижении финансовых продуктов.', 'publish', 'open', 'open', '', 'partnerskaya-programma-debetovyh-kart-chto-eto-i-kak-rabotaet', '', '', '2023-07-26 13:22:47', '2023-07-26 13:22:47', '', 0, 'https://pampadu.ru/blog/?p=3347', 0, 'post', '', 0), (3348, 1, '2023-07-26 13:21:02', '2023-07-26 13:21:02', '', '1030х502-6 (8)', '', 'inherit', 'open', 'closed', '', '1030h502-6-8', '', '', '2023-07-26 13:21:02', '2023-07-26 13:21:02', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/07/1030h502-6-8.jpg', 0, 'attachment', 'image/jpeg', 0), (3350, 13, '2023-07-26 13:31:22', '2023-07-26 13:31:22', '\n

    Партнерская программа кредита наличными – способ заработка на комиссионных выплатах за продажи финансовых продуктов. На онлайн-платформе Пампаду зарегистрированным пользователям доступны более 15 офферов банков. Партнерам предлагают до 20 710 рублей за каждого клиента. Разберемся, что такое партнерка кредита наличными. А также как присоединиться к программе и зарабатывать при помощи сервиса Пампаду.

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    Что такое реферальная программа кредита наличными

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    Принцип действия партнерки кредита наличными прост и понятен. Это открывает всем желающим возможность использовать ее как дополнительный источник дохода. При значительных объемах подтвержденных целевых действий участие в программе приносит полноценный заработок.

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    Вы можете стать партнерами крупнейших финансовых организаций России – Газпромбанка, Совкомбанка, МТС Банка и других. Партнерские программы кредита наличными есть у каждого из банков. Такое сотрудничество выигрышно для каждой из сторон. Финансовым организациям оно помогает находить новых клиентов. Партнерам – получать комиссионное вознаграждение за продвижение продукта.

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    Цель партнера – распространять финансовые предложения среди физических и юридических лиц, а также индивидуальных предпринимателей. Среди дополнительных задач:

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    Сотрудничество в рамках партнерки заключается при помощи агентского договора. Условия у каждого банка различаются. Как разобраться в предложениях и правильно проанализировать их, рассмотрим далее.

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    Кто может стать участником партнерской программы

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    Зарабатывать на партнерках могут физические и юридические лица, индивидуальные предприниматели и самозанятые. Предложение доступно тем, кто хочет продвигать банковские предложения по кредитованию населения:

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    Люди, так или иначе связанные с отраслью финансов, могут распространять кредитные предложения и получать комиссионное вознаграждение за привлечение клиентов в банки. Впрочем, даже если в вашем распоряжении нет миллионов подписчиков или собственной компании, вы тоже можете получать заработок при помощи партнерки. Найдите людей, заинтересованных в кредитных продуктах, завоюйте их доверие и заработайте вознаграждение за каждого из них.

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    Как это работает

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    После заключения договора о сотрудничестве партнер получает собственную ссылку. Она закрепляется за ним в системе банка. Когда человек переходит по ней и приобретает финансовый продукт, система фиксирует, откуда поступил клиент. Если кредит оформлен и условия договора выполнены, партнер получает комиссионное вознаграждение.

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    Блогеры и тренеры рассказывают о кредитных предложениях на тематических интернет-ресурсах. Каждый подписчик – возможный клиент. Он доверяет мнению автора и потенциально заинтересован в продукте.

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    Владельцы бизнеса могут распространять ссылку среди партнеров или сотрудников. Все они – целевая аудитория.

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    Найти клиентов может каждый. Даже если изначально ваш опыт небольшой или его нет вообще, партнерская программа кредита наличными со временем может превратиться из дополнительной подработки в полноценный способ получения дохода. На бесплатной онлайн-платформе Пампаду с пользователями работают кураторы, которые рассказывают об основах и тонкостях партнерки. Здесь работает онлайн-чат, где помогут разобраться с непонятными моментами, обучающие текстовые и видеоматериалы. 

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    Как начать?

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    Российские банки предлагают партнерам сотрудничество на различающихся условиях. Чтобы изучить их все, придется посетить сайт каждой организации. Впрочем, с сервисом Пампаду задача упрощается. Мы собрали офферы банков в одном месте для удобства партнеров. А еще создали онлайн подборщик финансовых продуктов. Это инструмент для сравнения и анализа предложений.

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    Чтобы пользоваться платформой, нужно пройти регистрацию. Процесс занимает до 5 минут. После этого открывается доступ к подборщику. Отправляйте ссылку на банковское предложение клиентам. Продолжат сделку работники банка. Получайте выплату, как только придет подтверждение целевого действия.

    \n\n\n\n

    Более 22 тысяч партнеров уже зарабатывают с Пампаду:

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    Вы можете стать частью этой команды. Н нашем ресурсе размещены офферы от надежных банков. Используйте наши инструменты и получайте честные комиссионные выплаты сразу после подтверждения целевого действия.

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    ✅ Закон о маркировке рекламы

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    Что нужно знать при работе на Пампаду, как не попасть на штраф и что для этого сделал Пампаду?

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    ✔️ Закон о маркировке рекламы с 1 сентября 2022 года обязует все рекламодателей маркировать всю рекламу и размечать ее специальным токеном erid, который позволит отслеживать рекламу и всех участников в цепочке распространения.

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    На рынке СРА сложилось так, что все рекламодатели переложили ответственность за маркировку рекламы на рекламораспространителей, т.е. вас и нас.

    \n\n\n\n

    Со своей стороны мы совершили доработку на платформе и теперь каждая ссылка размечена специальным токеном erid, что в соответствует требованиям закона о рекламе.
    По каждой метке каждый месяц мы отправляем отчеты в соответствующие органы. Но этого недостаточно для того, чтобы соблюдать закон в полной мере конечным рекламораспространителем, т.е. пользователем Пампаду.

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    Для того, чтобы закон вами соблюдался в полной мере, все рекламные публикации, включая публикации на личных страницах в социальных сетях, должны быть отмечены как \"Реклама\".

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    Например, если вы публикуете у себя в группе или на странице в ВК объявление о кредитной карте Газпромбанка (https://agents.pampadu.ru/#/app/offer/credit/view/06ddbcec-9218-48d3-8f16-80702bd7a1cf) в конце вашего рекламного текста вы обязаны указать слово Реклама и использовать ссылку, которую скопировали на Пампаду.

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    ?Работайте с Пампаду, соблюдайте элементарное правило маркировки рекламы, чтобы избежать нарушения закона о маркировке рекламы и попасть на штрафы!

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    Желаем вам успешных продаж,
    команда Пампаду

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    ⚡️Мы переступили экватор пути розыгрыша, это значит, что сейчас не стоит останавливаться, а следует продолжать бороться за призы участвующие в акции «Вселенная подарков на Пампаду»

    \n\n\n\n

    Есть те, кто не успел ознакомиться с условиями акции и прямо сейчас вы можете узнать подробности по ссылке здесь и побороться вместе с другими агентами за подарки.

    \n\n\n\n

    ? Смартфоны, планшеты, умные часы, колонки и сертификаты.
    Выбирайте за что, вы хотели бы побороться и действуйте!

    \n', 'Половина пройдена', ' Участвуй в акции: «Вселенная подарков» и получай ценные призы!', 'publish', 'open', 'open', '', 'polovina-projdena', '', '', '2023-08-01 12:19:23', '2023-08-01 12:19:23', '', 0, 'https://pampadu.ru/blog/?p=3359', 0, 'post', '', 0), (3360, 1, '2023-08-01 12:19:04', '2023-08-01 12:19:04', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-29', '', '', '2023-08-01 12:19:04', '2023-08-01 12:19:04', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-1.png', 0, 'attachment', 'image/png', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3364, 13, '2023-08-02 10:42:44', '2023-08-02 10:42:44', '\n

    ⚡️ Итоги офлайн продуктов за июль:

    \n\n\n\n

    — По КАСКО агенты заработали 588 618 руб.
    Самое высокое КВ за 1 полис - 37 097 руб.

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    Каждому вашему клиенту по ОСАГО вы можете предложить оформить КАСКО!

    \n\n\n\n

    Напоминаем, что КАСКО в большинстве обязательно для кредитных автомобилей.
    Оставить заявку

    \n\n\n\n

    — По офлайн ипотеке - 687 832 руб.
    Самое высокое КВ за 1 полис - 27 079 руб.

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    ✔️ Страхуем любую ипотеку с возрастными заемщиками с крупным остатком по кредиту, при рефинансировании, ипотеку на частные и старые дома, страхование конструктива, жизни, титула.
    Более 80 банков, оставить заявку менеджеру можно когда в онлайне продажа не проходит
    (настроив фильтры).

    \n\n\n\n

    ? Начисляем КВ по офлайн продуктам несколько раз в неделю!

    \n\n\n\n

    Отличных продаж!

    \n', 'Активность агентов по КАСКО и офлайн ипотеке в июле', 'Итоги офлайн продуктов за июль на Пампаду ', 'publish', 'open', 'open', '', 'aktivnost-agentov-po-kasko-i-oflajn-ipoteke-v-iyule', '', '', '2023-08-02 10:42:44', '2023-08-02 10:42:44', '', 0, 'https://pampadu.ru/blog/?p=3364', 0, 'post', '', 0), (3365, 1, '2023-08-02 10:42:15', '2023-08-02 10:42:15', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-30', '', '', '2023-08-02 10:42:15', '2023-08-02 10:42:15', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-1-1.png', 0, 'attachment', 'image/png', 0), (3367, 13, '2023-08-02 14:38:40', '2023-08-02 14:38:40', '\n

    ? Важное обновление для всех брокеров и у кого есть агенты.

    Друзья, рады вам представить обновление системы выставления тарифов своим агентам, над которой мы работали почти 6 месяцев. Особенно важно ознакомиться с информацией ниже тем, у кого есть субагенты. Мы сделали то, что вы давно просили и уверены, что у нас получилась самая удобная система для ведения субагентов и выставления ставок удержания по любым продуктам, которая позволит зарабатывать брокерам существенно больше!

    \n\n\n\n

    И так, что изменилось по сути:

    \n\n\n\n
    1. В разделе \"Моя комиссия\" вы можете удобно просматривать вознаграждения по любым продуктам и в два клика отфильтровать регион, банк, категорию.
    2. Теперь брокеры могут устанавливать удержания по полисам пролонгации, зеленого коридора и всем другим сегментам. Дождались ?
    3. Можно настраивать удержание и по всем Банковским, HR продуктам и любым, которые будут появляться в системе в будущем.
    4. Настройка тарифа теперь происходит в два счета: установите общее удержание по продуктам за 15 секунд или индивидуальное вплоть до компании, региона и банка.
    \n\n\n\n

    Подробная текстовая и видео инструкция по ➡️ ссылке

    \n\n\n\n

    ⚠️ВАЖНО:
    Зайдите в тарифы по которым работают ваши агенты и проверьте верность проставленных там значений, особенно по пролонгациям, ЗК, и новым продуктам!
    Обязательно установите значение доли по умолчанию, его мы будем использовать при добавлении новых сегментов и продуктов.
    При обнаружении ошибок в расчетах КВ - пишите в чат поддержки, оперативно будем поправлять.

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    Приглашайте агентов и развивайте свою сеть не только по страховым продуктам, но и по банковским и HR, гарантировано зарабатывая больше вместе с Пампаду.?

    \n', 'Встречайте тарифы 3.0!', 'Самая удобная система для ведения субагентов и выставления ставок удержания по любым продуктам, которая позволяет зарабатывать брокерам!', 'publish', 'open', 'open', '', 'vstrechajte-tarify-3-0-vazhnoe-obnovlenie-dlya-vseh-brokerov-i-u-kogo-est-agenty', '', '', '2023-08-02 14:38:40', '2023-08-02 14:38:40', '', 0, 'https://pampadu.ru/blog/?p=3367', 0, 'post', '', 0), (3368, 1, '2023-08-02 13:09:15', '2023-08-02 13:09:15', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-112', '', '', '2023-08-02 13:09:15', '2023-08-02 13:09:15', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502.png', 0, 'attachment', 'image/png', 0), (3374, 13, '2023-08-03 12:00:33', '2023-08-03 12:00:33', '\n

    ? В июне 2023 года Российский авторынок показал значительный рост.
    За месяц было продано практически 100 тыс. автомобилей, что на 177% больше в сравнении с аналогичным месяцем предыдущего года.

    \n\n\n\n

    Ситуация на рынке авто с ростом продаж нового транспорта также положительно скажется на продаже автомобильных страховок — КАСКО.

    \n\n\n\n

    ⚡️ Один из наших агентов оформил полис КАСКО на Пампаду на 253 660 руб. с КВ 37 097 руб. и моментально вывел средства на свою карту.
    Клиенту помогли подобрать подходящий полис, а агент получил достойное вознаграждение.

    \n\n\n\n

    Нет времени оформить КАСКО?
    Если у вас есть клиент, которому необходимо КАСКО, но вы не можете/не хотите заниматься оформлением, вы можете переложить ведение клиента полностью на нашего менеджера. Оставьте заявку на свой номер, сообщите ему.
    Не забудьте сообщить клиенту, что с ним свяжутся для оформления полиса — это важно, так как иногда агенты забывают предупреждать, и клиент отказывается от сотрудничества.
    Вы также получите КВ за такой полис, за вычетом 5% за оформление. 

    Напоминаем, что продукт КАСКО участвует в розыгрыше «Вселенная подарков на Пампаду».
    Каждая продажа идет в счёт.
    Завершите летний сезон с крутыми призами!

    \n\n\n\n

    Желаем успехов и хороших продаж,
    Команда Пампаду

    \n', 'Оформить КАСКО на Пампаду легко!', 'Застраховать машину по КАСКО на Пампаду выгодно, безопасно, с высоким КВ.\nКейс по заработку внутри статьи. ', 'publish', 'open', 'open', '', 'oformit-kasko-na-pampadu-legko', '', '', '2023-08-03 12:00:33', '2023-08-03 12:00:33', '', 0, 'https://pampadu.ru/blog/?p=3374', 0, 'post', '', 0), (3375, 1, '2023-08-03 11:57:42', '2023-08-03 11:57:42', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-113', '', '', '2023-08-03 11:57:42', '2023-08-03 11:57:42', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-2.png', 0, 'attachment', 'image/png', 0), (3378, 13, '2023-08-04 11:08:09', '2023-08-04 11:08:09', '\n

    ? Например недавно в техническую поддержку поступил запрос от агента на изменение адреса объекта страхования, в течении двух минут вышли с ним на связь, уточнили у агента информацию по сделке, прислали форму заявления для корректировки и направили информацию в СК.
    Через час агенту прислали исправленный полис.
    Сделка успешно реализована, клиент доволен, а агент получил вознаграждение за оформление ипотечного полиса.

    \n\n\n\n

    Партнеры, если заметили ошибку в оформлении полиса — не переживайте, наша техническая поддержка работает по будням с 06-00 до 19-00 и в выходные дни с 9-00 до 15-00 по МСК, оперативно поможем вам в решении проблем!

    \n\n\n\n

    ✔️ Обратиться в поддержку можно по ссылке здесь или в чате поддержки на сайте.
    Задавайте вопросы в удобном для вас мессенджере: от телеграмма до VK и WhatsApp.

    \n\n\n\n

    Ниже прикладываем таблицу, обращайтесь к ней, если у вас возникли проблемы с оформлением ипотечного полиса, там вы найдете информацию о том, с какими исправлениями ошибок в полисе можно обратится в поддержку Пампаду по страховым компаниям.

    https://docs.google.com/spreadsheets/d/1zAGOE_VL4YVSPBwsR9DKuXsRpE38jPe4/edit#gid=1561191135

    \n\n\n\n

    С заботой о вас, команда Пампаду?

    \n', 'Нужно внести изменения в ипотечный полис? Обращайтесь за корректировками в техническую поддержку Пампаду', 'Если у вас возникла какая-то проблема, обращайтесь в техническую поддержку Пампаду и будьте уверенными в том, что сделка пройдет успешно, а денежные средства моментально поступят на счет.', 'publish', 'open', 'open', '', 'nuzhno-vnesti-izmeneniya-v-ipotechnyj-polis-obrashhajtes-za-korrektirovkami-v-tehnicheskuyu-podderzhku-pampadu', '', '', '2023-08-04 11:08:09', '2023-08-04 11:08:09', '', 0, 'https://pampadu.ru/blog/?p=3378', 0, 'post', '', 0), (3379, 1, '2023-08-04 11:07:52', '2023-08-04 11:07:52', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-114', '', '', '2023-08-04 11:07:52', '2023-08-04 11:07:52', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-3.png', 0, 'attachment', 'image/png', 0), (3381, 13, '2023-08-04 14:30:33', '2023-08-04 14:30:33', '\n

    ? В нашем опросе 23% участников отметили, что ничего не слышали про текущую акцию на Пампаду, значит пора это исправлять!

    \n\n\n\n

    Показываем список подарков на баннерах ниже, заходите на наш красивый сайт по ссылке ➡️ ЗДЕСЬ и знакомьтесь с условиями розыгрыша.

    \n\n\n\n
    \"\"
    \n\n\n\n
    \"\"
    \n\n\n\n
    \"\"
    \n\n\n\n
    \"\"
    \n\n\n\n

    Также хотим обратить внимание, что чем больше продаж, тем лучше призы и выше шансы на победу!

    \n\n\n\n

    Среди номинированных участников в каждой категории в сентябре случайным образом определим победителей и пригласим на вручение к нам в офис или отправим призы по почте.

    \n\n\n\n

    Увеличивайте продажи и выигрывайте! ?

    \n', 'Забери самый лучший приз на Пампаду!', 'Принимайте участие и торопитесь побороться за крутые подарки, время еще есть!', 'publish', 'open', 'open', '', 'zaberi-samyj-luchshij-priz-na-pampadu', '', '', '2023-08-04 14:30:33', '2023-08-04 14:30:33', '', 0, 'https://pampadu.ru/blog/?p=3381', 0, 'post', '', 0), (3382, 1, '2023-08-04 14:29:03', '2023-08-04 14:29:03', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-115', '', '', '2023-08-04 14:29:03', '2023-08-04 14:29:03', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-4.png', 0, 'attachment', 'image/png', 0), (3383, 1, '2023-08-04 14:29:33', '2023-08-04 14:29:33', '', '1030h502-1-2', '', 'inherit', 'open', 'closed', '', '1030h502-1-2-4', '', '', '2023-08-04 14:29:33', '2023-08-04 14:29:33', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-1-2.png', 0, 'attachment', 'image/png', 0), (3384, 1, '2023-08-04 14:29:45', '2023-08-04 14:29:45', '', '1030h502-2-1', '', 'inherit', 'open', 'closed', '', '1030h502-2-1-2', '', '', '2023-08-04 14:29:45', '2023-08-04 14:29:45', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-2-1.png', 0, 'attachment', 'image/png', 0), (3385, 1, '2023-08-04 14:30:01', '2023-08-04 14:30:01', '', '1030h502-3-1', '', 'inherit', 'open', 'closed', '', '1030h502-3-1-2', '', '', '2023-08-04 14:30:01', '2023-08-04 14:30:01', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-3-1.png', 0, 'attachment', 'image/png', 0), (3386, 1, '2023-08-04 14:30:14', '2023-08-04 14:30:14', '', '1030h502-4-1', '', 'inherit', 'open', 'closed', '', '1030h502-4-1-3', '', '', '2023-08-04 14:30:14', '2023-08-04 14:30:14', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-4-1.png', 0, 'attachment', 'image/png', 0), (3389, 13, '2023-08-07 10:54:56', '2023-08-07 10:54:56', '\n

    ? Акция по кредитной карте Tinkoff Platinum – банк дарит вечное бесплатное обслуживание новым клиентам при оформлении карты с 1 по 31 августа.

    \n\n\n\n

    Целевое действие: Выданная и активированная карта
    Вознаграждение: 4 200 руб.
    Среднее время оплаты: 30 дней

    \n\n\n\n

    ⚡️ В период акции планируется улучшение CR и воронки по продукту, поэтому рекомендуем брать в работу!

    \n\n\n\n

    Ниже находиться презентация, в которой вы лучше сможете узнать требования к целевой аудитории по продукту.

    ПРЕЗЕНТАЦИЯ

    \n\n\n\n

    Подписывайтесь на ➡️ канал посвященный банковским продуктам и узнавайте все новости первыми!

    \n\n\n\n

    Отличных продаж,
    команда Пампаду

    \n', 'Акция по кредитной карте Tinkoff Platinum', 'Выгодное предложение по карте Tinkoff Platinum, подробности внутри статьи.', 'publish', 'open', 'open', '', 'aktsiya-po-kreditnoj-karte-tinkoff-platinum', '', '', '2023-08-07 10:54:56', '2023-08-07 10:54:56', '', 0, 'https://pampadu.ru/blog/?p=3389', 0, 'post', '', 0), (3390, 1, '2023-08-07 10:54:21', '2023-08-07 10:54:21', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-116', '', '', '2023-08-07 10:54:21', '2023-08-07 10:54:21', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-5.png', 0, 'attachment', 'image/png', 0), (3397, 13, '2023-08-08 12:12:37', '2023-08-08 12:12:37', '\n

    ☀️ Весь июль для закрытой группы самых результативных и активных агентов, проходил розыгрыш на Пампаду.

    \n\n\n\n

    Всего приняли участие: 194 агента.
    18 призов, победителей 17 человек, один агент победил дважды и в первом, и во втором туре.

    \n\n\n\n

    Поздравляем участников с победой!

    \n\n\n\n

    Партнеры, прямо сейчас вы сможете выиграть один из 35 подготовленных подарков!

    \n\n\n\n

    ? ЧТО НУЖНО СДЕЛАТЬ?

    • Зайти на красивый сайт Пампаду по ссылке здесь
    • Ознакомиться с условиями розыгрыша
    • Выбрать подарок за который хотели бы побороться
    • И действовать!

    \n\n\n\n

    Не упустите свой шанс, осталось чуть больше 3-х недель!

    \n\n\n\n

    Ставьте реакции под постом, кто уже принимает участие в акции: «Вселенная подарков на Пампаду»

    \n\n\n\n

    С любовью к своему делу,
    команда Пампаду

    \n', 'Подводим итоги розыгрыша: «ПампаЛето»', 'Принимай участие в розыгрышах от Пампаду и выигрывай ценные подарки.', 'publish', 'open', 'open', '', 'podvodim-itogi-rozygrysha-pampaleto', '', '', '2023-08-08 12:12:37', '2023-08-08 12:12:37', '', 0, 'https://pampadu.ru/blog/?p=3397', 0, 'post', '', 0), (3398, 1, '2023-08-08 12:11:02', '2023-08-08 12:11:02', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-117', '', '', '2023-08-08 12:11:02', '2023-08-08 12:11:02', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-6.png', 0, 'attachment', 'image/png', 0), (3400, 13, '2023-08-08 13:55:14', '2023-08-08 13:55:14', '\n

    ? В розыгрыше принимают участие страховые, банковские продукты и пользователи реферальной программы.

    С подробностями акции можно ознакомиться ➡️здесь

    \n\n\n\n

    Объявление результатов:

    \n\n\n\n

    — По ОСАГО, КАСКО и ипотеке объявление результатов акции - до 10.09.2023.

    \n\n\n\n

    — По финансовым продуктам и реферальной программе - до 15.10.2023.

    \n\n\n\n

    По этим категориям срок увеличен, так как конверсии по фин.офферам могут иметь долгий срок подтверждения. Многие привлеченные рефералы также оформляют банковские продукты, поэтому мы даем больше времени, чтобы все продажи за вами зафиксировались.

    \n\n\n\n

    ▶️ Смотреть видеообзор призов, которые ждут своих победителей

    \n\n\n\n

    Желаем удачи и хороших продаж,
    команда Пампаду

    \n', 'Увеличиваем срок подведения итогов акции «Вселенная подарков на Пампаду» — больше шансов выиграть призы', 'Лучший подарок — это тот, про который ты сам не знал, как сильно его хочешь, но выиграл! \nПринимай участие в розыгрыше Пампаду.', 'publish', 'open', 'open', '', 'uvelichivaem-srok-podvedeniya-itogov-aktsii-vselennaya-podarkov-na-pampadu-bolshe-shansov-vyigrat-prizy', '', '', '2023-08-08 13:55:14', '2023-08-08 13:55:14', '', 0, 'https://pampadu.ru/blog/?p=3400', 0, 'post', '', 0), (3401, 1, '2023-08-08 13:51:49', '2023-08-08 13:51:49', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-118', '', '', '2023-08-08 13:51:49', '2023-08-08 13:51:49', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-7.png', 0, 'attachment', 'image/png', 0), (3403, 13, '2023-08-09 10:21:22', '2023-08-09 10:21:22', '\n

    ? Успешный кейс по оформлению полиса КАСКО

    \n\n\n\n

    Мы в первую очередь заинтересованы в том, чтобы вы получили хорошую комиссию и ваш клиент остался доволен.

    \n\n\n\n

    ? Один из недавних случаев - мы помогли агенту оформить КАСКО стоимостью 560 тыс.руб., и агент заработал 100 тыс. с одной продажи!

    \n\n\n\n

    КАСКО обязуют оформлять всех владельцев кредитных автомобилей, которых большинство, так что у вас уже есть много потенциальных клиентов.

    \n\n\n\n

    Рассчитывая КАСКО на Пампаду обратите внимание, что предрасчет может сильно отличаться от итоговой стоимости в зависимости от комплектации полиса.
    Дождитесь звонка менеджера и обсудите все детали и пожелания клиента.

    \n\n\n\n

    ? Начисляем комиссию по офлайн продуктам несколько раз в неделю!

    \n\n\n\n

    Ответы на частые вопросы по КАСКО

    \n\n\n\n

    Хороших продаж,
    команда Пампаду

    \n', '+ 100 тысяч за полис КАСКО', 'Сколько может получить агент за оформление полиса КАСКО? Ответ в статье. ', 'publish', 'open', 'open', '', '100-tysyach-za-polis-kasko', '', '', '2023-08-09 10:21:22', '2023-08-09 10:21:22', '', 0, 'https://pampadu.ru/blog/?p=3403', 0, 'post', '', 0), (3404, 1, '2023-08-09 10:19:56', '2023-08-09 10:19:56', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-119', '', '', '2023-08-09 10:19:56', '2023-08-09 10:19:56', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-8.png', 0, 'attachment', 'image/png', 0), (3407, 15, '2023-08-09 13:56:21', '2023-08-09 13:56:21', '\n

    Агрегатор партнерских программ Pampadu регулярно сотрудничает с риелторскими компаниями, частными агентами по недвижимости, оценщиками и брокерами. На нашем сайте постоянно появляются предложения, которыми могут воспользоваться новые партнеры.

    \n\n\n\n

    Налог с продажи недвижимости – это один из вопросов, интересующих многих продавцов жилья. Сотрудники сервиса Пампаду собрали исчерпывающую информацию по этой теме и подготовили краткое руководство для риелторов.

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    Правила начисления налога на продажу имущества в 2023 году

    \n\n\n\n

    Ежегодно в налоговом законодательстве появляются некоторые изменения. Не стал исключением и 2023 год. Например, был введен новый бланк документа 3-НДФЛ. Доходы, полученные в 2022 году, необходимо было отобразить в декларации этой формы и до 15.07.2023 уплатить налоги по ней. 

    \n\n\n\n

    Отчитаться по сделкам продажи собственности, заключенным в 2023 году, налогоплательщикам предстоит в следующем году. Но подавать 3-НДФЛ придется не всем. Рассмотрим, как правильно посчитать налог, и кто освобожден от предоставления и оплаты декларации.

    \n\n\n\n

    Расчет НДФЛ при имущественных операциях

    \n\n\n\n

    Доходы от реализации недвижимости не нужно отображать в декларации, если она была в вашей собственности больше установленного минимального периода. В зависимости от условий  приобретения собственности этот срок считают равным 3 или 5 годам. 

    \n\n\n\n

    Если же минимальный период владения недвижимым имуществом не выдержан, но прибыль от его продажи составляет не более 1 млн. руб., то он также не подлежит декларированию. Для остальных категорий имущества (автомобилей, гаражей и прочего) установлен вычет в сумме 250 тыс. руб. Им можно воспользоваться как для компенсации стоимости единого объекта, так и для нескольких отдельных.

    Если же ваша прибыль от продажи имущества больше, чем сумма вычета, то декларацию на доходы придется представить в налоговую инспекцию.

    \n\n\n\n

    Льготы для дольщиков

    \n\n\n\n

    Льготное налогообложение предоставляется также лицам, продающим жилую собственность, купленную по договору долевого строительства (ДДУ). Сюда относятся не только приобретающие жилье от застройщика, но также участники ЖСК или купившие строящееся жилье по переуступке – договору цессии. 

    \n\n\n\n

    С 2022 года для дольщиков начали действовать новые правила. Теперь срок минимального владения жильем отсчитывается не от даты регистрации собственности, а с даты полного внесения средств по ДДУ. Поскольку строительство длится годами, то нововведение дает дольщикам возможность перепродавать свои квартиры в более ранний срок, не оплачивая НДФЛ.

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    Льготы для семей с детьми

    \n\n\n\n

    Родители, имеющие двух и более детей, включая усыновленных, освобождены от уплаты НДФЛ при продаже жилплощади до истечения наименьшего срока владения. Но только при условии, что в течение календарного года продажи или до 30 апреля следующего, они приобрели иную жилплощадь.

    \n\n\n\n

    Правило касается семей, в которых есть несовершеннолетние или дети до 24 лет, обучающиеся на очном отделении. Оно распространяется и на долю в общей собственности.

    \n\n\n\n

    Семьи не должны оплачивать НДФЛ в размере 13 % при одновременном соблюдении еще одного условия. Членам семьи в совокупности не должно принадлежать более 50 % иного жилья общим размером, превышающим размеры купленной недвижимости.

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    Как подсчитать сумму НДФЛ

    \n\n\n\n

    Налог, который вам предстоит заплатить после продажи недвижимого имущества, с учетом стандартного вычета вычисляется по формуле:

    \n\n\n\n

    НДФЛ = (ЦЕНА ПРОДАЖИ - 1 000 000) х 0,13

    \n\n\n\n

    Суммой дохода не всегда является стоимость квартиры по договору отчуждения. За облагаемую налогом базу считают большую из двух величин:

    \n\n\n\n\n\n\n\n

    Принимается в расчет кадастровая цена на 1 января года, в котором была реализована недвижимость.

    \n\n\n\n

    К примеру, собственник продает комнату за 1 млн. 200 тыс. руб., кадастровая цена которой равна 2 млн. руб. 70 % кадастровой оценки составляет: 

    \n\n\n\n

    2 000 000 х 0,7 = 1 400 000 руб.

    \n\n\n\n

    Эта величина больше стоимости продажи. Тогда размер налога к оплате рассчитывается так: 

    \n\n\n\n

    (1 400 000 — 1 000 000) х 0,13 = 52 000 руб.

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    Вычет за счет расходов на изначальное приобретение жилья

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    В случае если приобретение жилья повлекло за собой расходы, налогом облагается исключительно прибыль от его перепродажи. Учитываются только подтвержденные документами расходы, которые были непосредственно связаны с покупкой этой недвижимости. Иногда такое решение оказывается более предпочтительным, чем использование имущественного вычета.

    \n\n\n\n

    К примеру, собственник купил коттедж за 7 млн. руб. и через пару лет решил его продать за 8,7 млн. руб. 

    \n\n\n\n

    Налоговая ставка на проданное имущество будет рассчитываться так:

    \n\n\n\n

    Доход: 8 700 000 - 7 000 000 = 1 700 000.
    НДФЛ: 1 700 000 * 0,13 = 221 000.

    \n\n\n\n

    Т.е. размер вырученного от продажи дохода считается равным 1 млн. 700 тыс. руб., а НДФЛ составит 221 тыс. руб.

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    В каких ситуациях налог с продажи не начисляется

    \n\n\n\n

    В общем случае НДФЛ облагается доход, а не вырученная от продажи сумма. Налог не будет начислен, если:

    \n\n\n\n\n\n\n\n

    Если ваш случай относится к указанным, то с большой вероятностью, вырученный от продажи жилья доход не будет облагаться НДФЛ.

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    Как снизить налог на продажу недвижимости

    \n\n\n\n

    Если вы продали квартиру, то с позиции законодательства – получили доход. Если недвижимость продается до окончания минимального срока владения, то такая сделка облагается налогом для продавца. Однако нормативной базой предусмотрены льготы, с помощью которых можно снизить налоговую базу, которая считается прибылью от продажи. 

    \n\n\n\n

    Налогообложению подлежит не сумма, вырученная от отчуждения имущества, а лишь разница между доходами и расходами – например, ценой покупки и ценой продажи. На этот остаток начисляется НДФЛ по ставке 13 %.

    \n\n\n\n

    НК РФ предусматривает применение вычета в нескольких вариациях. Чтобы воспользоваться некоторыми из них, расходы на приобретение квартиры должны быть документально подтверждены. Как правило, для подтверждения своих трат собственники представляют договор купли-продажи, выписки из банка, платежные поручения и т.д.

    \n\n\n\n

    Стандартный вычет дает любому продавцу возможность снизить налоговую базу от продажи имущества на 1 млн. руб., независимо от количества проданных в этом календарном году объектов недвижимости.

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    Начисление НДФЛ с продажи квартиры в различных ситуациях

    \n\n\n\n

    При исчислении налога с дохода могут быть особенности в методике расчета, определении периода владения имуществом, применении вычетов и пр. Рассмотрим правила исчисления НДФЛ от продажи недвижимости на примере конкретных случаев.

    \n\n\n\n

    Налог с продажи наследственной квартиры

    \n\n\n\n

    НК РФ предусмотрено, что при реализации унаследованной недвижимости оплачивается налог. В то же время владелец освобождается от его оплаты, если жилье являлось его собственностью более 3 лет.

    \n\n\n\n

    Письмом Минфина РФ от 30.07.2020 № 03-04-05/66879 разъяснено, что в этот срок для наследников начинается с даты смерти наследодателя, независимо от периода, в течение которого недвижимость была зарегистрирована на собственника. В случае продажи унаследованной недвижимости ранее наименьшего срока гражданин имеет право на применение стандартного вычета на сумму 1 млн. руб. 

    \n\n\n\n

    Существует также правило, согласно которому наследник может воспользоваться налоговым вычетом за счет расходов на приобретение имущества, если наследодатель не использовал это право при жизни.

    \n\n\n\n

    Налог с продажи подаренного имущества

    \n\n\n\n

    Стоит отдельно отметить, что если жилплощадь принята в дар не от близкого родственника, то получение такого подарка облагается 13 %-ным НДФЛ. Если в договоре дарения не указана стоимость жилья, то налог рассчитывают, исходя из его кадастровой оценки. При продаже подаренной собственности ранее наименьшего срока владения можно применить налоговый вычет в размере денежной суммы, с которой уже ранее был уплачен НДФЛ. То есть НДФЛ при продаже такого жилища будет начислен исключительно на полученную разницу, если она будет положительной.

    \n\n\n\n

    Налог с продажи ипотечной недвижимости

    \n\n\n\n

    При продаже ипотечной собственности, полученной в наследство, налоговый вычет может быть предоставлен в отношении расходов на покрытие ипотечного займа (разъяснение Минфина РФ в письме от 02.08.2019 № 03-04-05/58466). Это же правило действует и в случае дарения недвижимости.

    \n\n\n\n

    Налог с продажи долевой собственности

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    Отдельно стоит выделить случаи, когда наследнику передается не все имущество, а только доля в нем, и это лицо впоследствии выкупает остальную часть имущества. Ранее считалось, что минимальный период владения жильем, если в полную собственность оно было получено в результате покупки, составляет не 3 года, а 5 лет.

    \n\n\n\n

    Письмом Минфина РФ от 25.07. 2023 № 03-04-07/69247 разъяснено, что срок минимального владения определяется на основании первичного права долевой собственности. Если наследник сначала получил часть квартиры по наследству (или в дар), а после этого приобрел оставшуюся часть за деньги, то минимальный срок владения для него равен трем годам. В случае если же сначала была возмездная сделка, то наименьший срок владения составит пять лет с момента регистрации первичного права собственности. 

    \n\n\n\n

    Если квартира принадлежала налогоплательщику более минимального срока, независимо от того, как менялся состав собственников и размера их долей, то доходы от продажи недвижимости не подлежат обложению налогом. При продаже собственности, доли в которой получены по разным основаниям и отличаются сроками владения, налогом облагается (или не облагается) вся сумма дохода. Возможность оплаты налога только с части дохода от продажи (с одной из долей) не предусматривается.

    \n\n\n\n

    Платят ли пенсионеры налог на продажу квартиры

    \n\n\n\n

    Выручка от продажи квартиры облагается НДФЛ в обязательном порядке и никак не зависит от статуса владельца квартиры. Пенсионеры не относятся к льготным категориям налогоплательщиков. Они оплачивают НДФЛ от продажи квартиры на общих основаниях. Однако пенсионеры имеют право на другие налоговые льготы. Например, при получении имущественного вычета по расходам на покупку жилья, работающие пенсионеры либо получающие иные доходы (кроме пенсии) могут вернуть внесенный НДФЛ сразу за 4 года. 

    \n\n\n\n

    Как применить вычет при подаче декларации

    \n\n\n\n

    Имущественный вычет при реализации собственности может использоваться безграничное число раз. Однако существует лимит – допустимый размер вычета в одном налоговом периоде составляет 1 млн. руб. для недвижимости и 250 тыс. руб. для прочего имущества. За налоговый период принимают временной интервал, в течение которого формируется налоговая база для расчета размера налога к оплате.

    \n\n\n\n

    Чтобы использовать свое право на имущественный вычет, налогоплательщик должен совершить следующие действия:

    \n\n\n\n\n\n\n\n

    Подать декларацию 3-НДФЛ с приложениями можно: через ЛК на сайте службы или посетив территориальное отделение ФНС по месту жительства. 

    \n\n\n\n

    Какие возможности для риелтора открывает ипотечная недвижимость?

    \n\n\n\n

    Клиенты риелтора при покупке недвижимости часто используют ипотечный займ. Жилье, приобретаемое по ипотеке, подлежит обязательному страхованию. Перед оформлением сделки купли-продажи риелторы могут предложить своим клиентам помощь в оформлении такой страховки.

    \n\n\n\n
    \"\"
    \n\n\n\n

    Партнерская платформа Pampadu позволяет выбрать страхование ипотечной недвижимости среди предложений более чем от 30 страховых организаций и банков. Зарегистрировавшись на сайте Пампаду, вы сможете получать до 60 % комиссионных от цены каждого полиса.

    \n', 'Налог с продажи недвижимости: что нужно знать риэлтору', 'Налог с продажи недвижимости – это установленный процент отчислений, взимаемый государством с вырученного от продажи собственности дохода. В статье мы расскажем, как он рассчитывается, и какие способы уменьшения его размера существуют.', 'publish', 'open', 'open', '', 'nalog-s-prodazhi-nedvizhimosti-chto-nuzhno-znat-rieltoru', '', '', '2023-08-09 13:56:21', '2023-08-09 13:56:21', '', 0, 'https://pampadu.ru/blog/?p=3407', 0, 'post', '', 0), (3408, 1, '2023-08-09 13:50:35', '2023-08-09 13:50:35', '', '1030х502-1 (10)', '', 'inherit', 'open', 'closed', '', '1030h502-1-10-2', '', '', '2023-08-09 13:50:35', '2023-08-09 13:50:35', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-1-10.jpg', 0, 'attachment', 'image/jpeg', 0), (3410, 15, '2023-08-09 14:03:32', '2023-08-09 14:03:32', '\n

    Платформа партнерского маркетинга Пампаду станет вашим проводником в сфере реферальных программ. Мы стремимся привлекать к сотрудничеству ипотечных брокеров и агентов по недвижимости, поскольку они имеют собственную клиентскую базу. Это открывает большой простор для сотрудничества с нашим сервисом.

    \n\n\n\n

    В пакет документов для совершения имущественных сделок обязательно входит выписка из ЕГРН на недвижимость. Рассказываем, как риелтору можно ее получить.

    \n\n\n\n

    Как получить выписку из ЕГРН

    \n\n\n\n

    В 2023 году вступил в силу ряд изменений, которые касаются выдачи выписки из ЕГРН. Например, ранее такую выписку можно было получить через сайты Кадастровой палаты и Росреестра. Заказать документ можно было и в различных коммерческих организациях-посредниках, которые брали на себя взаимодействие с государственными базами.

    \n\n\n\n

    С 1 марта 2023 года заказать выписку из ЕГРН можно только через два сервиса:

    \n\n\n\n\n\n\n\n

    Любые другие площадки, которые занимаются предоставлением выписок, теперь отнесены к незаконным. В попытке сэкономить вы, скорее всего, получите неактуальные сведения. Если же вы нарветесь на мошенников, то попросту потеряете деньги. 

    \n\n\n\n

    Такая мера усложнила работу агентов по недвижимости, но обезопасила персональные данные владельцев жилья и земельных участков. Заказать выписку по-прежнему может любое физическое или юридическое лицо. Но для получения сведений о владельце недвижимости потребуется его личное согласие.

    \n\n\n\n

    Если риелтор или любой другой посторонний человек закажет выписку из ЕГРН, то он получит ее обезличенной: в ней будут приведены только сведения о самом объекте, без персональных данных собственников. ФИО и дата рождения владельца жилья в ней указаны не будут, вместо них вы увидите запись «физическое лицо».

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    Сведения о собственности юридических лиц по-прежнему остаются открытыми. Это не касается ИП, которые в контексте недвижимости отнесены к физическим лицам.

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    Чтобы заказать выписку из ЕГРН, нужно знать точный адрес или кадастровый номер объекта недвижимости, а также предоставить свои паспортные данные. Разные виды выписок из ЕГРН отличаются друг от друга содержанием. Поэтому, заказывая документ, нужно знать, какая информация вам требуется и как он правильно называется.

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    Как получить выписку с данными о владельце жилья

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    Версию документа, в которой указаны персональные данные всех собственников, могут получить:

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    Если собственник заинтересован в скорой продаже недвижимости, он может дать согласие на предоставление открытого доступа к сведениям по его объектам недвижимости. Для этого он должен подать заявление о раскрытии этой информации для неограниченного круга третьих лиц. Сделать это можно в отделении МФЦ или на сайте Росреестра. Но ограничить круг людей, которые могут видеть информацию о владельце, нельзя. 

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    Открывать и закрывать информацию можно сколько угодно, и это бесплатно. Разрешение будет действовать, пока собственник не подаст такое же заявление о закрытии сведений из ЕГРН или пока объект не перейдет к новому владельцу, который такого согласия не предоставлял.

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    Если собственника не устраивает такой вариант, он можно самостоятельно запросить сведения из ЕГРН и предоставить выписку риелтору.

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    Стоимость услуги

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    За предоставление сведений из базы ЕГРН установлена государственная пошлина. На портале Госуслуг получить документ можно исключительно в электронном виде. В то время как в МФЦ можно заказать электронный документ или сведения на бумаге. 

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    Стоимость выписки в электронном формате на Госуслугах:

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    Выписка с электронной подписью Росреестра придет в личный кабинет заявителя на сайте в течение 3 рабочих дней после оплаты пошлины.

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    Стоимость выписки в бумажном виде в центрах «Мои документы»:

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    Вы получите документ с печатью МФЦ или Росреестра, подписью специалиста центра или регистратора.

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    Выписка из ЕГРН в электронном формате обойдется дешевле:

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    Оплатить пошлину можно через терминал в отделении центра. Выписка из ЕГРН, заказанная через МФЦ, будет оформлена в течение 3 рабочих дней.

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    Можно ли получить выписку из ЕГРН через нотариуса

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    Получить выписку из ЕГРН с раскрытием персональных данных владельца недвижимости можно, обратившись к нотариусу. Но это не означает, что он выдаст ее любому желающему. Сведения предоставляются только в случае, если они необходимы для защиты своих прав и законных интересов. Основанием для получения выписки из ЕГРН у нотариуса могут считаться:

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    Многих покупателей недвижимости обеспокоила новость об ограничении информации о владельце жилья. Поэтому им может быть интересен этот способ, с помощью которого можно подтвердить сведения о ее владельце и обезопасить себя при покупке недвижимости. Стоимость такой услуги у нотариуса составляет 450 руб.

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    Можно ли заказать выписку из ЕГРН бесплатно

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    Сведения из ЕГРН предоставляются бесплатно по официальным запросам:

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    В 2023 году, после вступления в силу изменений в законодательстве, собственникам недвижимости стал доступен новый вид документа – онлайн-выписка. Иногда ее также называют экспресс-выпиской. Она предоставляется в виде электронного документа в течение 2 минут с момента отправки запроса. Эту бесплатную услугу можно получить на сайте Госуслуг.

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    В таком документе указаны: 

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    Онлайн-выписка не считается выпиской из ЕГРН, хотя ее должны принимать во всех инстанциях как стандартный документ. Онлайн-выписку можно получить и в бумажном виде, но для этого потребуется обратиться в МФЦ. На каждой странице такого документа будут стоять подпись сотрудника и печать МФЦ.

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    Зарабатывай вместе с Пампаду!

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    Став партнером нашей платформы, риелторы могут получать дополнительный заработок и даже увеличить свой совокупный доход в несколько раз! Например, вы можете предлагать своим клиентам страховать недвижимость, приобретаемую в ипотеку. Как партнер Pampadu, вы получаете комиссионное вознаграждение за каждый оформленный страховой полис.

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    \"\"
    \n\n\n\n

    Пампаду постоянно совершенствует и развивает свои продукты. Мы поможем вам застраховать ипотеку в различных ситуациях – например, найти предложения для пожилых заемщиков или старого жилого фонда. Полисы, оформленные с помощью Pampadu, стоят на 20-40% дешевле, чем в банках и страховых компаниях.

    \n', 'Как риэлтору получить выписку из ЕГРН на недвижимость', 'Выписка из ЕГРН на недвижимость требуется для совершения любых операций с имуществом. Она содержит сведения об объекте недвижимости и его собственнике. Рассказываем, как риелтору можно получить этот документ.', 'publish', 'open', 'open', '', 'kak-rieltoru-poluchit-vypisku-iz-egrn-na-nedvizhimost', '', '', '2023-08-09 14:03:32', '2023-08-09 14:03:32', '', 0, 'https://pampadu.ru/blog/?p=3410', 0, 'post', '', 0), (3411, 1, '2023-08-09 14:01:33', '2023-08-09 14:01:33', '', '1030х502-2 (9)', '', 'inherit', 'open', 'closed', '', '1030h502-2-9-2', '', '', '2023-08-09 14:01:33', '2023-08-09 14:01:33', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-2-9.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3413, 15, '2023-08-09 14:15:11', '2023-08-09 14:15:11', '\n

    Платформа партнерского маркетинга Пампаду активно сотрудничает с риелторами, ипотечными брокерами и агентствами по недвижимости. Работа с нашим сервисом не требует никаких вложений и не предусматривает выполнения плана продаж.

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    \"\"
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    Хоть риелтор не обязан иметь юридическое или экономическое образование, но ему следует владеть знаниями в ряде вопросов – в частности, по налогообложению имущественных сделок. Поэтому мы подготовили для вас обзор на тему, какие налоги с продажи недвижимости по наследству платит собственник и как можно уменьшить такие отчисления.

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    Когда продажа имущества не облагается НДФЛ

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    Если вы владели унаследованным жильем больше установленного государством минимального срока, декларировать доход с его продажи не нужно. В ситуации с имуществом, полученным по наследству, такой срок меньше, чем в других случаях. При этом срок владения жильем начинается не с регистрации права собственности, а с даты открытия наследства.

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    Согласно НК РФ минимальный период владения недвижимостью, полученной по наследству, составляет 3 года. Это означает, что при продаже жилья после достижения этого срока, платить НДФЛ наследнику не придется.

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    Когда наступает срок владения наследством

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    Право собственности у человека, который принял наследство покойного, наступает со дня его открытия. При этом статьями 1113, 1114 и 1152 ГК РФ определено, что день открытия наследства приравнивается к дате смерти наследодателя. Т.е. имущество покойного считают принадлежащим наследнику с этого дня, независимо от времени регистрации такого права в Росреестре. Отсчет трехлетнего срока владения имуществом, доставшимся по наследству, начинается с даты смерти наследодателя. Этот вопрос разъяснен в письме Минфина России от 14.01.2022 № 03-04-05/1334.

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    Соответственно, если период между датой открытия наследства и продажей квартиры составляет менее трех лет, то доход от ее реализации облагается НДФЛ. Если же с момента наследования квартиры прошло более трех лет, то декларировать и уплачивать налог не нужно.

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    Как законно уменьшить налог

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    Рассмотрим ситуацию, когда наследник вступил в право собственности на имущество и планирует его продать. Унаследованным имуществом может быть квартира, дом, земельный участок, гараж, дачный или садовый домик. Доход с продажи имущества облагается налогом и подлежит декларированию в ФНС. Его размер зависит от налогового статуса наследника: установлен 13 %-ный налог для резидентов РФ и 30 %-ный – для нерезидентов страны.

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    Но продажа наследственного имущества облагается налогом не всегда, а именно:

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    Сумму налога можно законно снизить, уменьшив доход от продажи наследства такими способами:

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    1. Применив имущественный вычет. Вычетом в размере 1 млн. руб. может воспользоваться любой резидент РФ. Никакие подтверждающие документы в этом случае не требуются.
    2. Доказав понесенные наследодателем расходы. Например, если предыдущий собственник купил квартиру, доказать его траты можно с помощью договора купли-продажи. Этот способ доступен и для нерезидентов РФ.
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    Вы можете выбрать наиболее выгодный из этих способов, чтобы уменьшить налоговую массу, но только один. В результате налог придется оплатить только с полученной разницы.

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    Чтобы правильно рассчитать сумму налога, сверьте стоимость объекта по договору купли-продажи с кадастровой. С 2016 года подоходный налог взимается с наибольшей из величин:

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    Налоговая инспекция тщательно проверяет предоставленные ей сведения. Если продавец неверно укажет размер дохода, то ФНС доначислит ему налог, исходя из большей суммы. 

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    Сроки уплаты НДФЛ при продаже имущества

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    Если вы являлись собственником наследственного жилья больше трех лет, подавать декларацию на доход с его продажи не нужно.

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    Если установленный срок владения не выдержан, то декларацию нужно предоставить в органы ФНС. Для этого потребуется заполнить форму отчетности 3-НДФЛ. Период ее подачи – с 1 января до 30 апреля года, наступающего за годом реализации недвижимости. Если 30 число выпадает на выходной, то крайний срок переносится на следующий рабочий день. Например, в 2023 году крайняя дата предоставления декларации была перенесена на 2 мая. А за продажу квартиры в 2023 году декларацию удастся подать только в 2024 году. 

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    После проверки предоставленных данных ФНС выставит вам налог. Оплатить его нужно до 15 июля года подачи декларации. Если 15 июля – выходной, то срок переносится на следующий рабочий день.

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    Если вы продали недвижимость, полученную по наследству, раньше минимального срока владения и не предоставили в ФНС форму 3-НДФЛ, не надейтесь, что налог не придется оплачивать. В этом случае по истечении срока оплаты, т.е. с 16 июля, начнется камеральная проверка. Учтите, что такая проверка может проходить в течение 3 месяцев со дня ее начала. По ее итогам неплательщику будет не только выставлен не только НДФЛ, но и наложены штрафные санкции.

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    За непредставление декларации 3-НДФЛ в срок до 30 апреля установлен штраф в размере 5% от суммы НДФЛ, подлежащей уплате, за каждый месяц прошедшего периода. Причем сумма штрафа не может быть больше 30% суммы НДФЛ к уплате и меньше 1000 руб.

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    А за неуплату или неполную уплату НДФЛ по сроку вам выпишут штраф в размере 20 % суммы неуплаченного налога. Кроме того, придется заплатить еще и пеню за пропущенный срок – с 16 июля по день уплаты налога в бюджет включительно. Она рассчитывается, исходя из суммы задолженности, помноженной на 1/300 ставки Центробанка и число дней просрочки.

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    Какие потребуются документы для налоговой

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    Предоставить форму 3-НДФЛ можно одним из двух способов:

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    Можно заранее заполнить и распечатать документ, а затем вместе с остальными необходимыми бумагами предоставить в местное отделение ФНС. Для этого вам нужно скачать действующую форму на официальном сайте налоговой. 

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    В бумажном виде документы с описью вложения можно направить почтой. Такой же пакет документов можно предоставить через МФЦ.

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    Бланк декларации также можно получить в любом отделении ФНС. В документе потребуется указать паспортные данные, ИНН, телефон для связи, сумму подоходного налога и другую информацию. 

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    3-НДФЛ также разрешено предоставлять в электронном виде. Это можно сделать в личном кабинете на сайте ФНС, через Госуслуги или воспользовавшись программным обеспечением «Декларация».

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    Чтобы подтвердить сам факт совершения имущественной сделки, к декларации прилагают копию договора купли-продажи. 

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    Если же вы планируете уменьшить налоговую массу, то согласно статьи 220 НК РФ к декларации также прикладывают документы, подтверждающие расходы наследодателя: договоры, платежные документы, банковские справки и т.д. Кроме того, в обязательном порядке потребуется выписка из ЕГРН. 

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    При направлении документа 3-НДФЛ в электронном формате вместе с декларацией загружают скан-копии или электронные версии необходимых документов. 

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    Подать декларацию можно лично или через представителя, оформив на него нотариальную доверенность. Услуга по приему декларации 3-НДФЛ не облагается государственной пошлиной и не требует оплаты.

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    После проверки документов вам выставят налог. Отследить эту информацию можно в личном кабинете на сайте ФНС или на портале Госуслуг.

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    Частые вопросы

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    Продажа недвижимости, полученной по наследству, имеет некоторые нюансы, хоть и проводится как стандартная сделка. Отвечаем на популярные вопросы наследников.

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    Как продать свою долю в наследственной квартире?

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    Когда один из наследников намерен продать свою долю в общем имуществе, он сначала должен предложить другим собственникам ее выкупить, заручиться их отказом от покупки или согласием на продажу. Невыполнение этих требований может привести к признанию сделки фиктивной.

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    Если квартира находится в долевой собственности и наследники договорились ее реализовать, то выгоднее продать каждую долю отдельным договором. Тогда каждый дольщик может по отдельности воспользоваться своим правом на имущественный вычет в размере 1 млн. руб., не дожидаясь минимального срока владения.

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    Когда наступает срок владения унаследованной долей в общем имуществе?

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    Если доля в праве общей долевой собственности наследуется в результате смерти другого дольщика, то срок владения исчисляется не со дня его смерти, а с момента регистрации выделенной доли.

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    Что будет, если после продажи объявятся другие наследники?

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    Если другие наследники не знали о смерти наследодателя, то для них период принятия наследства отсчитывается с того момента, когда им стало об этом известно. Они имеют право подать судебный иск, и тогда продажа наследственного имущества может быть признана незаконной. Но только если они не будут отстранены от наследования. Риск также связан с появлением внебрачных детей, интересы которых считаются нарушенными при распределении наследства. Они имеют право обратиться к нотариусу в течение 6 месяцев со дня своего совершеннолетия. Поэтому лучше заранее удостовериться, что на наследуемое имущество нет других претендентов.

    \n\n\n\n

    Простой способ, как риелтору можно увеличить свой доход

    \n\n\n\n

    Чтобы активнее привлекать клиентов, риелтор должен разбираться в юридических вопросах и владеть нормативной базой. Но среди агентов по недвижимости есть большая конкуренция, поэтому одних знаний недостаточно. Важно то, какую дополнительную выгоду вы можете принести клиенту.

    \n\n\n\n

    Продвигая свои риелторские услуги на рынке, вы также можете предлагать своим клиентам продукты в области страхования и кредитования. Станьте партнером Pampadu и вы получите все эти возможности! К примеру, занимаясь страхованием ипотечного имущества и жизни заемщика, вы можете получать комиссионное вознаграждение в размере до 60% от стоимости каждого оформленного полиса.

    \n', 'Налог с продажи недвижимости по наследству: что нужно знать риэлтору', 'Агент по недвижимости занимается сопровождением сделок купли-продажи, поэтому должен досконально разбираться в тонкостях их проведения. Владелец имущества может спросить, какие налоги с продажи недвижимости по наследству взимает государство – и риелтор должен быть готов ему ответить.', 'publish', 'open', 'open', '', 'nalog-s-prodazhi-nedvizhimosti-po-nasledstvu-chto-nuzhno-znat-rieltoru', '', '', '2023-08-09 14:15:11', '2023-08-09 14:15:11', '', 0, 'https://pampadu.ru/blog/?p=3413', 0, 'post', '', 0), (3414, 1, '2023-08-09 14:12:10', '2023-08-09 14:12:10', '', '1030х502-3 (10)', '', 'inherit', 'open', 'closed', '', '1030h502-3-10-2', '', '', '2023-08-09 14:12:10', '2023-08-09 14:12:10', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-3-10.jpg', 0, 'attachment', 'image/jpeg', 0), (3416, 15, '2023-08-09 14:21:07', '2023-08-09 14:21:07', '\n

    Партнерский сервис Pampadu работает с агентами по продажам, брокерами и другими профессионалами в любых сегментах рынка недвижимости. Участником нашей партнерской программы может стать физическое лицо, ИП или организация – независимо от имеющегося опыта, квалификации и клиентской базы!

    \n\n\n\n
    \"\"
    \n\n\n\n

    Сегодня мы расскажем вам о том, какое обучение для риелтора поможет вам в прокачке скиллов и дальнейшем трудоустройстве.

    \n\n\n\n

    Где пройти дистанционное обучение на риелтора с получением сертификата

    \n\n\n\n

    Пройти обучение на агента по недвижимости можно в разных образовательных организациях. Множество частных онлайн-школ предлагает пройти на их платформе программу переподготовки или дистанционный курс. По итогам обучения вы получаете документ об образовании – удостоверение о присвоении квалификации риелтора или брокера, именной сертификат или свидетельство о прохождении курса.

    \n\n\n\n

    Получить образование по программе «Агент по недвижимости» можно также с помощью федерального проекта «Содействие занятости». Причем обзавестись востребованной специальностью на обучающей платформе можно абсолютно бесплатно. Проект обещает также помощь в трудоустройстве с оформлением и передачей резюме компаниям-партнерам. Но участвовать в нем могут не все, а только отдельные категории граждан: мамы в декрете, лица предпенсионного возраста, безработные и другие незащищенные слои населения. 

    \n\n\n\n

    Поэтому остановимся подробнее на общедоступных курсах, которые можно пройти в дистанционном формате.

    \n\n\n\n

    Список организаций

    \n\n\n\n

    Пройти обучение онлайн и получить после сдачи соответствующего экзамена документ о его окончании можно на любой из популярных платформ:

    \n\n\n\n\n\n\n\n

    *Стоимость курсов в обзоре указана по состоянию на 06.08.2023 с учетом действующих на этот момент скидок. Учтите, что диплом о профессиональной переподготовке выдается только при наличии у студента диплома о высшем или среднем специальном образовании.

    \n\n\n\n

    Несмотря на обещания о помощи с трудоустройством, начинающему риелтору рассчитывать нужно, прежде всего, на себя. По итогам обучения вам выдадут именной документ об образовании и помогут составить резюме с учетом полученных вами компетенций. Далее вы сможете разместить его на сайтах по поиску работы или разослать в интересующие вас компании.

    \n\n\n\n

    Если же «корочка» об образовании – не главное для вас, а вы просто хотите работать риелтором в своем городе, то рассмотрите возможность обучаться в очной форме. Крупные агентства по недвижимости разработали собственные программы обучения и стажировки. Найти подобные курсы можно во многих городах России. При успешном прохождении программы вас могут зачислить в штат компании. Например, ГК «Миэль» проводит в городах присутствия дистанционное обучение своих стажеров.

    \n\n\n\n

    В чем разница между риелторскими специальностями

    \n\n\n\n

    В перечисленных курсах студентам предлагается получить различные квалификации – агент по недвижимости, брокер, риелтор. Все эти должности подразумевают оказание посреднических услуг, оформление сделок и получение дохода от такой деятельности.

    \n\n\n\n

    Различия между специализациями риелтора и агента по недвижимости законом не регламентируются. Изначально такое деление подразумевало, что риелтор занимается частной практикой за комиссионные, а агент по недвижимости работает в компании на ставке. Сейчас такую границу уже нельзя провести и эти понятия стали синонимами. Профессиональные стандарты для должностей «Специалист по операциям с недвижимостью» и «Страховой брокер» установлены приказом Министерства труда и социальной защиты РФ от 10.03.2015 № 155н.

    \n\n\n\n

    Брокеров по недвижимости нередко путают с риелторами. Но здесь нормативной базой установлено четкое разделение должностей, хоть они и выполняют практически одну и ту же работу.

    \n\n\n\n

    Брокерская деятельность регламентирована ст. 3 закона № 39-ФЗ «О рынке ценных бумаг». Кроме того, для работы брокером необходимо пройти аттестацию и получить лицензию на такую деятельность. Аттестация брокера заключается в сдаче квалификационного экзамена.

    \n\n\n\n

    Обязанности агента и брокера по операциям с недвижимостью

    \n\n\n\n

    Функциональные обязанности у брокера и агента по недвижимости схожие: к ним относится подбор недвижимости, поиск покупателей или продавцов, консультирование клиентов, оформление и сопровождение сделки. 

    \n\n\n\n

    Однако брокер чаще оперирует в узкой нише и больше связан с посредниками в виде страховых компаний и банков. Брокеров разделяют по специализации – страховой, ипотечный, таможенный. Например, ипотечный брокер специализируется на оформлении ипотечного займа. Такой специалист может помочь клиентам с плохой кредитной историей, в покупке недвижимости с долями несовершеннолетних и в других сложных ситуациях. Задача ипотечного брокера – сократить время рассмотрения запроса на получение ипотеки и повысить вероятность положительного ответа.

    \n\n\n\n

    Поскольку брокер должен получить лицензию и зарегистрироваться в качестве юрлица или ИП, он имеет право подписывать юридические документы. Поэтому брокер – это более продвинутая роль по сравнению с агентом по недвижимости.

    \n\n\n\n

    Как еще риелтору можно профессионально развиваться?

    \n\n\n\n

    Опытные риелторы и брокеры нередко работают со страховыми компаниями – так они могут получать дополнительный доход от совершаемых сделок. Это происходит за счет продажи страховых полисов клиентам, чаще всего – покупателям недвижимости, оформившим ипотеку. Ключевым моментом для такого сотрудничества служит грамотное информирование клиентов о том, почему им стоит приобрести страховку через риелтора.

    \n\n\n\n

    Сервис партнерских программ Pampadu дает вам возможность выбрать для своих клиентов оптимальный вариант ипотечного страхования. Зарегистрировавшись на сайте Пампаду, вы будете получать вознаграждение за оформление каждого страхового полиса (до 60 % его стоимости). 

    \n', 'Лучшие курсы для риэлторов: сайты, цены и трудоустройство', 'Обучение для риелтора может быть представлено в разных форматах: программы переподготовки, онлайн-курсы, и даже федеральный проект. В статье мы рассказываем обо всех нюансах выбора риелторских специальностей и конкретной обучающей платформы.', 'publish', 'open', 'open', '', 'luchshie-kursy-dlya-rieltorov-sajty-tseny-i-trudoustrojstvo', '', '', '2023-08-09 14:21:07', '2023-08-09 14:21:07', '', 0, 'https://pampadu.ru/blog/?p=3416', 0, 'post', '', 0), (3417, 1, '2023-08-09 14:19:29', '2023-08-09 14:19:29', '', '1030х502-5 (11)', '', 'inherit', 'open', 'closed', '', '1030h502-5-11-2', '', '', '2023-08-09 14:19:29', '2023-08-09 14:19:29', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-5-11.jpg', 0, 'attachment', 'image/jpeg', 0), (3419, 13, '2023-08-10 10:54:35', '2023-08-10 10:54:35', '\n

    ?Внесли небольшое изменение в форму заявки на страхование ипотеки при помощи менеджера - добавили поле для номера прошлого полиса, это ускорит оформление пролонгаций.
    Просим указывать номер прошлого полиса, если он есть (исключение составляют полисы для Сбербанка). Заявку также можно будет отправить без него, как и ранее.

    \n\n\n\n

    ⏳ Время работы менеджеров расчета с 10 до 19 часов по московскому времени в будние дни. Связываемся в течение 1-2 часов после поступления заявки.
    При помощи менеджера можно застраховать любую ипотеку!
    Прочитать подробнее можно➡️ здесь

    \n\n\n\n

    Если менеджер не связался с вами в течение 1-2 часов в рабочее время, пожалуйста пишите куратору или в тех.поддержку.
    Мы ценим каждую заявку!

    \n\n\n\n

    С заботой о вас,
    команда Пампаду

    \n', 'Обновление формы оформления офлайн ипотеки', 'Усовершенствовали форму заявки на страхование ипотеки при помощи менеджера, подробности в статье', 'publish', 'open', 'open', '', 'obnovlenie-formy-oformleniya-oflajn-ipoteki', '', '', '2023-08-10 10:54:35', '2023-08-10 10:54:35', '', 0, 'https://pampadu.ru/blog/?p=3419', 0, 'post', '', 0), (3420, 1, '2023-08-10 10:54:13', '2023-08-10 10:54:13', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-120', '', '', '2023-08-10 10:54:13', '2023-08-10 10:54:13', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-9.png', 0, 'attachment', 'image/png', 0), (3422, 13, '2023-08-10 12:48:31', '2023-08-10 12:48:31', '\n

    ? Рады сообщить, что расширили список двумя банками доступными для оформления полиса ипотечного страхования в компании Ренессанс.

    \n\n\n\n

    — лимит остатка до 15 млн. руб.;
    — для квартир и апартаментов;
    — типы полисов: жизнь, имуществе и комбинированный;
    — оформление даже до заключения кредитного договора;
    — возраст заемщика 18-60 лет;
    — ваша комиссия по 11% по МКБ и 11,5% по ВТБ.

    \n\n\n\n

    Быстрый расчет и фильтры на первом этапе всегда покажут только подходящие варианты. А в случае ошибки наша поддержка всегда поможет с внесением изменений или аннулированием полисов.

    \n\n\n\n

    ❗️ Хотим напомнить, что мы с осени 2022 года продолжаем субсидировать ставки вознаграждения по ипотечному страхования и платим честные:

    \n\n\n\n

    — до 60% с полиса для Сбербанка;
    — от 5% до 15% по всем остальным банкам.

    \n\n\n\n

    Оформляйте, продавайте и зарабатывайте больше вместе с нами, команда Пампаду ?

    \n', 'Добавлено два новых банка для страхования ипотеки в СК Ренессанс: «ВТБ и МКБ»', 'Новые банки для оформления полиса ипотечного страхования в компании Ренессанс', 'publish', 'open', 'open', '', 'dobavleno-dva-novyh-banka-dlya-strahovaniya-ipoteki-v-sk-renessans-vtb-i-mkb', '', '', '2023-08-10 12:48:31', '2023-08-10 12:48:31', '', 0, 'https://pampadu.ru/blog/?p=3422', 0, 'post', '', 0), (3423, 1, '2023-08-10 12:47:54', '2023-08-10 12:47:54', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-121', '', '', '2023-08-10 12:47:54', '2023-08-10 12:47:54', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-10.png', 0, 'attachment', 'image/png', 0), (3426, 13, '2023-08-11 13:14:13', '2023-08-11 13:14:13', '\n

    ☄️ С каждым днем участников розыгрыша становится всё больше, мы очень этому рады.
    Те, кто еще не участвует — не упустите шанс забрать подарок со Вселенной Пампаду.

    \n\n\n\n

    Чем больше продаж, тем лучше призы и выше шансы на победу.
    ?Ведь в высшей категории, меньше участников, а значит больше возможности выиграть более ценный подарок.

    \n\n\n\n

    Откроем маленький секрет— победить может каждый и несколько раз!

    \n\n\n\n

    КАК ЭТО СДЕЛАТЬ?
    Стань мульти-агентом и шансы на победу в разных категориях сразу кратно увеличатся!

    \n\n\n\n

    ПОДРОБНОСТИ:
    • Условия розыгрыша
    • Подарки принимающие участие
    • Сроки подведения итогов акции

    Следите за новостями, участвуйте и выигрывайте призы вместе с Пампаду

    \n', 'Как увеличить шансы на победу в розыгрыше Пампаду?', 'Подробности в статье', 'publish', 'open', 'open', '', 'kak-uvelichit-shansy-na-pobedu-v-rozygryshe-pampadu', '', '', '2023-08-11 13:14:13', '2023-08-11 13:14:13', '', 0, 'https://pampadu.ru/blog/?p=3426', 0, 'post', '', 0), (3427, 1, '2023-08-11 13:13:45', '2023-08-11 13:13:45', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-122', '', '', '2023-08-11 13:13:45', '2023-08-11 13:13:45', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-11.png', 0, 'attachment', 'image/png', 0), (3429, 13, '2023-08-14 12:22:58', '2023-08-14 12:22:58', '\n

    ? Вот недавние успехи наших агентов:

    \n\n\n\n

    Страховая компания - Росгосстрах
    Банк - ВТБ
    КВ - 20 416 руб.
    Остаток кредита - 26 800 000 руб.
    Жизнь, имущество, титул

    \n\n\n\n
    \"\"
    \n\n\n\n

    Страховая компания - Росгосстрах
    Банк - ВТБ
    КВ - 16 994 руб.
    Остаток кредита - 15 616 000 руб.
    Жизнь и имущество, дом

    \n\n\n\n

    Инструкция по оформлению ➡️ здесь

    \n\n\n\n

    Можете оставить менеджеру свой номер, а если оставляете номер клиента, обязательно предупреждайте его о звонке.

    \n\n\n\n

    С заботой о вас, команда Пампаду?

    \n', 'Застрахуйте любую ипотеку через менеджеров Пампаду!', 'Показываем кейсы наших агентов при оформлении офлайн ипотеки через менеджеров Пампаду', 'publish', 'open', 'open', '', 'zastrahujte-lyubuyu-ipoteku-cherez-menedzherov-pampadu', '', '', '2023-08-14 12:22:58', '2023-08-14 12:22:58', '', 0, 'https://pampadu.ru/blog/?p=3429', 0, 'post', '', 0), (3430, 1, '2023-08-14 12:20:51', '2023-08-14 12:20:51', '', '1080h1080-1', '', 'inherit', 'open', 'closed', '', '1080h1080-1-4', '', '', '2023-08-14 12:20:51', '2023-08-14 12:20:51', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1080h1080-1.png', 0, 'attachment', 'image/png', 0), (3431, 1, '2023-08-14 12:22:06', '2023-08-14 12:22:06', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-123', '', '', '2023-08-14 12:22:06', '2023-08-14 12:22:06', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-12.png', 0, 'attachment', 'image/png', 0), (3433, 13, '2023-08-14 13:53:43', '2023-08-14 13:53:43', '\n

    Друзья, мы в поиске активных и целеустремленных специалистов, которые трудолюбивы в работе и не соглашаются на посредственные результаты.
    У нас каждый реализовывает свой потенциал и работает в режиме непрерывного роста!

    \n\n\n\n

    ?Делимся открытыми вакансиями в команду:

    \n\n\n\n

    — Ищем специалиста технической поддержки пользователей на удаленную работу по будням дням: любой город и регион!
    График работы с 10:00 до 19:00 МСК в будние дни. (полный рабочий день)
    В субботу, воскресенье и праздничные дни - выходные.
    Оставить заявку на вакансию по ссылке здесь

    \n\n\n\n

    — Вакансия Аккаунт менеджера в СРА на удаленную работу или в офис Пампаду.
    Если у тебя есть опыт в финансовой вертикали, ты общителен и готов настраивать взаимоотношения с текущими рекламодателями и партнерами, а также искать новых, нацелен на результат, то откликайся на вакансию ссылке здесь

    \n\n\n\n

    ? Поделитесь с коллегами и друзьями, если знаете, что им будет интересна эта вакансия, ведь мы готовы заплатить 30 тыс. руб. тому, кто посоветует подходящего кандидата, который к нам присоединится и пройдет испытательный срок.

    \n\n\n\n

    Будем рады вам в команде Пампаду!

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    Маркетинг в недвижимости – это стратегия продвижения, составленная под определенную задачу. Рекламировать можно как услуги агентства, так и продвигать личный бренд конкретного риелтора. 

    \n\n\n\n

    Сервис партнерских продаж Пампаду собрал и обобщил информацию о маркетинговых инструментах в работе риелтором. Мы расскажем вам про актуальные методики, дадим советы, как избежать банальных ошибок.

    \n\n\n\n

    Особенности интернет-маркетинга для недвижимости

    \n\n\n\n

    Построить успешную маркетинговую стратегию на рынке недвижимости становится все труднее. Баннеры-растяжки на улице, реклама на телевидении уже не считаются универсальными инструментами. 

    \n\n\n\n

    Путь клиента к сделке становится все запутаннее: сначала он попадает через баннерную рекламу на сайт вашего агентства недвижимости, потому видит рекламу в соцсетях, переписывается с чат-ботом, снова посещает ваш сайт, подписывается на ваш канал в Telegram… До прямого общения с менеджером таких шагов могут быть десятки, а путь до сделки займет еще больше времени.

    \n\n\n\n

    Покупка недвижимости – одно из самых крупных и редких приобретений за всю жизнь. Заключение сделки по покупке объекта может затянуться до года, если имеются препятствия. Покупатель стремится тщательно изучить все нюансы и не менее скрупулезно подходит к выбору риелторской конторы. Ваша цель – создать позитивное, мощное инфополе вашей компании. 

    \n\n\n\n

    Онлайн-реклама недвижимости

    \n\n\n\n

    Первое соприкосновение с потенциальным клиентом лучше совершить посредством рекламных объявлений в интернете. Проще всего это сделать на привычных для пользователей сайтах – с помощью баннерной рекламы в поисковых системах Google и Яндекс.

    \n\n\n\n

    Более «прогретых» клиентов, которые сами подбирают недвижимость, можно найти через канал контекстной рекламы. А тех, кто посмотрел вашу рекламу и сам нашел сайт агентства, можно «дожать» с помощью средств ремаркетинга.

    \n\n\n\n

    Баннерная (медийная) реклама

    \n\n\n\n

    Такой маркетинговый инструмент рассчитан на охват широкой аудитории. Его задачи находятся в верхней части воронки продаж и заключаются в знакомстве потребителя с риелторской компанией, создании интереса к ее предложениям.

    \n\n\n\n

    Медийные баннеры создаются с помощью Яндекс.Директ или Google Ads, исходя из портрета ЦА: пола, возраста, поведенческих факторов, интересов и т.д. Походящая аудитория будет наблюдать вашу рекламу на ресурсах рекламной сети, которую вы выбрали, в том числе размещенную на партнерских сайтах. Сети партнеров у поисковиков обширные: более 40 тысяч партнерских площадок в рекламной сети Яндекса (РСЯ), более 2 миллионов в контекстно-медийной сети Google.

    \n\n\n\n

    Реклама может быть представлена не только в виде текстово-графического объявления, но также в видео- и аудиоформате. Все эти возможно реализованы в РСЯ: пользователь видит проморолики перед трейлерами на «Кинопоиске» или слушает аудиорекламу между треками на Яндекс.Музыке.

    \n\n\n\n

    Главное – правильно выбрать ЦА, определить ее интересы, желания. Так вы сможете увеличить конверсию и получить больше заявок. Учтите, что характеристики аудитории, которую заинтересует покупка квартиры в деловом центре Москвы, будут отличаться от характеристик ЦА, которой будут интересны бюджетная студия в спальном районе.

    \n\n\n\n

    Контекстная реклама

    \n\n\n\n

    Сверху и снизу в результатах поисковой выдачи пользователь видит строки, помеченные знаком «Реклама». Объявления для показа выбираются по наибольшему соответствию запросу пользователей. Контекстное продвижение направлено на изначально заинтересованных в приобретении недвижимости людей.

    \n\n\n\n

    Контекстную рекламу лучше настраивать по таким ключевикам:

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    В именные ключевики не стоит включать названия компаний-конкурентов. Когда покупатель ищет конкретное агентство, а видит рекламу другого, то это может привести в итоге к подаче судебного иска.

    \n\n\n\n

    Из поиска приходят клиенты, уже имеющие сформированный запрос. Чтобы помочь им найти вашу компанию, добавьте в семантическое ядро низкочастотные ключевые фразы. Сформулируйте особенности, преимущества вашего предложения, укажите срок сдачи объекта, используйте геопривязку. 

    \n\n\n\n

    Ретаргетинг от Яндекс и ремаркетинг от Google 

    \n\n\n\n

    Эти инструменты работают по единому принципу. С их помощью вы можете «дожимать» пользователя, уже посещавшего ваш сайт, до оформления заявки или повторного обращения.

    \n\n\n\n

    С 2022 года функции рекламного кабинета Google Ads были ограничены: российские аккаунты заблокированы и показ рекламы в РФ на этой площадке приостановлен. Впрочем, настраивать рекламу в Google Ads по-прежнему можно, но это стало значительно сложнее. Поэтому будем рассматривать возможности Яндекс.Директ.

    \n\n\n\n

    Для настройки ретаргетинга на Яндекс.Директ необходимо создать с помощью платформы специальный код и разместить его в кодировке всех страниц сайта, на которых необходимо отслеживать пользователей. Система будет собирать посетителей в различные аудитории, на которые затем можно запускать рекламные кампании.

    \n\n\n\n

    Код отслеживания можно встраивать не только на сайт, но и в рекламное объявление. При таком подходе вы можете показывать другие типы рекламы людям, которые уже видели баннер и знакомы с вашим брендом.

    \n\n\n\n

    SMM в недвижимости

    \n\n\n\n

    Маркетинг в соцсетях разветвляется на два направления – создание сообщества компании (или ведение личного аккаунта) и запуск РК.

    \n\n\n\n

    Рекламные кампании для SMM в недвижимости

    \n\n\n\n

    Например, настраивать таргетинговые РК можно в рекламной платформе ВКонтакте. Пользователь, подходящий под описание вашей ЦА, будет видеть в своей ленте предложение услуг агентства.

    \n\n\n\n

    Также в соцсетях можно запускать ретаргетинг – эта функция также реализована во ВКонтакте. Схема аналогична работе с рекламными сетями: создать JS-код (пиксель) в рекламном кабинете соцсети, разместить его на своем сайте, составить портрет ЦА, настроить на нее рекламу в самой соцсети. Реклама будет видна только пользователям, которые авторизованы в своем аккаунте. 

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    Контент-маркетинг для социальных сетей

    \n\n\n\n

    Теперь остановимся на том, как организовать и вести в соцсети сообщество для агентства недвижимости. Если вы продвигаете несколько ЖК, лучше создать отдельную страничку для каждого из них. Так будет удобнее для пользователей.

    \n\n\n\n

    Сначала надо продумать SMM-стратегию. Она должна решать задачи вашего присутствия в соцсетях, отраженные в манере представления информации, tone of voice, общении с ЦА и т.д.

    \n\n\n\n

    Когда стратегия разработана, начинайте оформление обложки сообщества и нарабатывайте контент. Привлеките маркетологов для определения портрета ЦА. Исходя из ее потребностей, сформулируйте преимущества вашего оффера и подготовьте контент-план.

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    В него можно включить посты для посетителей, находящихся на разных стадиях воронки продаж:

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    Различайте посты по виду контента: вовлекающий, информационный, экспертный, продающий. Составьте рубрикатор – например, «Тенденции рынка», «Современный дизайн», «Вопросы покупателей». Запланируйте определенные посты на разные дни недели – к примеру, новости рынка публикуйте по средам, а о тенденциях дизайна пишите по пятницам.

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    Регулярно размещайте в сообществе новый контент, монтируйте ролики и создавайте stories. Добавьте контакты для связи и регулярно напоминайте о них в своих записях. Рассказывайте о недвижимости живо и простым языком, сопровождая информацию визуальным контентом.

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    Посты для покупателей на последних этапах воронки продаж могут описывать технические характеристики квартир, дополненные реальными фотографиями изнутри.

    \n\n\n\n

    Несколько советов для SMM в сфере недвижимости:

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    Как использовать email-маркетинг в сфере недвижимости

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    Цепочки электронных писем по-прежнему используются в маркетинге. Поддерживайте коммуникацию с клиентом, но не будьте слишком назойливыми, не закидывайте его письмами ежедневно. Адаптируйте рассылку для конкретного пользователя и старайтесь заинтересовать пользователей актуальными темами писем. Это повысит процент открытия писем и заходов на сайт. Также вы сможете создать доверительную атмосферу, доказать экспертный уровень вашей компании.

    \n\n\n\n

    Стартом для email-маркетинга в недвижимости служит согласие пользователя подписаться на рассылку писем. После ее одобрения начните с короткой серии приветственных писем, информируйте пользователя о доступных скидках или бонусах за подписку. В следующих письмах расскажите о ваших преимуществах, стандартах услуг, расположении ЖК, недвижимость в которых вы продаете, способах оформления сделки. Затем можно прибегнуть к темам о типах и планировках квартир. 

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    Не забывайте указывать в вовлекающих письмах контакты вашего агентства. Дополняйте текст письма рекламными роликами, интерактивными кнопками выбора, ссылками на офферы.

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    Регулярно можно отправлять письма на следующие темы:

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    Раз в месяц можно присылать письмо с дайджестом популярных постов и новостей из вашего блога. Также периодически направляйте подписчику подборку с новыми объектами – дополненную видео-обзорами, 3D-турами, ссылками на карточки объектов.

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    Желательно, чтобы письма были привязаны к определенным ступеням воронки продаж в CRM риелтора и отправлялись автоматически, при наступлении определенной стадии.

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    Поисковое продвижение в сфере недвижимости

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    Если вы планируете стратегию на годы вперед, то стоит заказать разработку и поддержку собственного сайта. Также следует уделить внимание удобству его интерфейса, качественному наполнению и SEO-продвижению. 

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    Например, имеет смысл продвигаться по средне- и низкочастотным ключевым фразам. У нового сайта мало шансов попасть в топ органической выдачи по высокочастотным ключам. Обычно эти позиции занимают известные агрегаторы недвижимости: Avito, Циан, Домклик и пр.

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    Поэтому лучше использовать менее популярные ключевики, а также максимально применить геопривязку и другие фильтры.

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    Если сайт уже имеется, посмотрите статистику, по каким запросам на него попадают пользователи, и проведите анализ. Поисковый трафик может стать основой для расширения семантического ядра.

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    Проблемы маркетологов, работающих с недвижимостью

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    Большинство риелторских агентств, продвигая свои услуги онлайн, сталкиваются с одними и теми же сложностями.

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    Проблема 1: Длительный цикл сделки

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    К выбору недвижимости покупатели подходят скрупулезно, ведь это дорогое приобретение. Процесс от осознания потребности до покупки может занять больше года.

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    Проблема 2: Высокая стоимость лида

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    Цена одного перехода на сайт (СРС) по каналу рекламы может доходить до нескольких тысяч рублей, а цена лида (CPL) – до десятков тысяч. На продвижение по высокочастотным запросам из-за большой конкуренции потребуются значительные вложения средств.

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    Проблема 3: Сливание бюджета

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    Высокая конверсия должна отражаться, прежде всего, на количестве продаж. Все полученные лиды должны быть правильно конвертированы – желательно на закрытие сделки. Нужно выявить причины, почему применяемая маркетинговая стратегия неэффективна.

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    Проблема 4: Запутанная схема привлечения клиента

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    Чем дольше времени занимает сделка, тем больше касаний производит клиент, прежде чем приобрести недвижимость. Маркетологу важно установить все каналы, которые каким-либо образом повлияли на принятие клиентом решения. Так он поймет, какие из них эффективны, а какие «сливают» бюджет на рекламу.

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    Проблема 5: Много сегментов ЦА

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    Не стоит обращаться к разным аудиториям с одним и тем же посылом. Под каждый сегмент ЦА отделу маркетинга нужно создать отдельное УТП, посадочную страницу, разработать креативы, скрипты обработки заявок.

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    Проблема 6: Недостаточный контроль за обслуживанием клиентов

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    Высокая цена привлечения лида вынуждает маркетологов вручную следить за работой продажников: выборочно прослушивать звонки и выявлять факапы в работе с потенциальными клиентами.

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    Как использовать аналитику в маркетинге для увеличения продаж 

    \n\n\n\n

    С проблемами маркетинга в недвижимости можно бороться, применяя профессиональные сервисы аналитики. Например, используя систему сквозной аналитики Roistat или другие маркетинговые платформы. 

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    Рассмотрим решение распространенных проблем с помощью Roistat:

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    Эффективные приемы для повышения продаж

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    1. Учитывайте сегментацию аудитории. Для каждого сегмента ЦА – молодых семей, многодетных матерей, пенсионеров и т.д. – установите условия, чтобы выявить потенциальных потребителей.
    2. Разработайте РК для каждого сегмента. Создайте отдельные посадочные страницы, опросы, разделы на сайте и т.д. Это позволит клиентам получить уверенность, что они нашли именно то, что им нужно.
    3. Подключите CRM-систему. Недвижимость – нишевая отрасль с длительным циклом сделки, поэтому нужно обеспечить четкое взаимодействие с потребителем на каждом этапе воронки продаж. Необходимо выявить реальные нужды клиента и подвести его к сделке.
    4. Разрабатывайте регламенты и скрипты. В сфере недвижимости даже отдельные фразы способны оттолкнуть покупателей. Такие действия не приведут к оформлению заявки или договора. Проследите, что и как говорят менеджеры, анализируйте их работу и направляйте.
    5. Проанализируйте все рекламные каналы и проследите путь клиента от рекламного баннера до покупки, используя сквозную аналитику.
    6. Ориентируйте клиента не на общение по телефону, а на просмотр недвижимости. Пока клиент не увидит реальный объект, он не поймет, учтены ли его потребности, и не увидит выгоду от предложения.
    7. Создавайте видеоролики и презентации объектов недвижимости для отдаленных клиентов. Это расширит географическую зону и число потенциальных покупателей.
    8. Реклама не должна быть отключена, даже если клиент уже подал заявку. Показывайте отзывы клиентов, видеоролики о комплексе, группы в социальных сетях, пресс-релизы и т.д. Аудиторию необходимо постоянно «подогревать».
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    Вы хотите получать больший доход от работы риелтором?

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    Услуги Пампаду могут быть полезны агентам по недвижимости и оценщикам. Совмещая свою основную работу с партнерской программой Pampadu, вы сможете получать дополнительный доход без лишних забот!

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    \"\"
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    Каждый, кто регистрируется на сайте Pampadu, приобретает статус партнера. Процесс регистрации занимает не более пяти минут – просто введите свои данные в необходимые поля. После этого вы сразу же получаете доступ в свой личный кабинет, где сможете увидеть действующие офферы и статистику доходов.

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    На платформе Pampadu представлены предложения по страховым, кадровым и банковским продуктам. Например, агенты по недвижимости могут получать вознаграждение на страховании ипотеки – до 60 % комиссионных.

    \n', 'Маркетинг в недвижимости: как риэлтору или агентству продавать через интернет', 'Маркетинг в недвижимости может быть представлен различными рекламными инструментами. В статье мы подробно расскажем о том, как спланировать стратегию продвижения риелторских услуг.', 'publish', 'open', 'open', '', 'marketing-v-nedvizhimosti-kak-rieltoru-ili-agentstvu-prodavat-cherez-internet', '', '', '2023-08-14 14:34:28', '2023-08-14 14:34:28', '', 0, 'https://pampadu.ru/blog/?p=3436', 0, 'post', '', 0), (3438, 1, '2023-08-14 14:33:02', '2023-08-14 14:33:02', '', '1030х502-4 (11)', '', 'inherit', 'open', 'closed', '', '1030h502-4-11-2', '', '', '2023-08-14 14:33:02', '2023-08-14 14:33:02', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-4-11.jpg', 0, 'attachment', 'image/jpeg', 0), (3439, 15, '2023-08-14 14:42:14', '2023-08-14 14:42:14', '\n

    Создавая агентство недвижимости или продвигая себя в качестве риелтора, важно донести преимущества своих услуг до клиента. Для этого нужно постоянно расти, развиваться, стараясь дойти до экспертного уровня. Сервис партнерских продаж Пампаду подготовил для вас статью на тему: анализ недвижимости – что это такое и как правильно его проводить.

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    Что такое анализ рынка недвижимости?

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    Сравнительный анализ рынка недвижимости – это инструмент, который помогает риелтору собрать информацию о текущей рыночной стоимости объектов имущества. Кроме того, исследование предложений – это шаг, который должен сделать любой инвестор, прежде чем начинать деятельность. 

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    Анализ рынка недвижимости всегда следует проводить при покупке или продаже имущества. Он поможет понять текущую ситуацию в отрасли, узнать стоимость аналогичных объектов. Вы также сможете определить, какую сумму можно заработать на инвестициях – например, сдавая объекты в аренду.

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    Агенты по продаже недвижимости и брокеры могут составлять отчеты для своих клиентов. Информация, собранная в ходе исследования, поможет продавцу назначить адекватную стоимость, а покупателю – понять, является ли запрашиваемая цена разумной.

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    Зачем проводить анализ рынка недвижимости?

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    Проведение такого исследования обусловлено различными причинами, основная из которых – получение информации о безопасных покупках. К другим причинам относятся инвестиционные:

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    Если вы будете в курсе ситуации на рынке недвижимости, то сможете договориться о снижении цены, а вашему клиенту не придется платить выше рыночной стоимости.

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    Советы по проведению продуктивного исследования рынка недвижимости

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    Прежде чем приступить к сбору информации, необходимо определить сегмент, в котором вы планируете продвигать свои услуги, включая географическую привязку, на которую вы ориентируетесь.

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    Определение рынка является отправной точкой для проведения исследований.

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    Конкретный объект собственности можно анализировать по следующим критериям: 

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    Далее мы подробнее расскажем о том, как самостоятельно провести глобальное исследование рынка.

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    Шаги проведения анализа рынка недвижимости

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    При исследовании желательно придерживаться организованной структуры. Этого можно достичь, поделив анализ на четыре составляющих (рынок, спрос, предложение и среда) и задавая правильные вопросы.

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    Цель глобального исследования – изучить потенциал конкретного сегмента, оценить перспективу возможных вложений.

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    Шаг 1: Изучение рынка и его эволюции

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    В качестве первого шага нужно расширить знания в этой сфере, изучить объем предложений, рыночные тенденции, потенциал развития.

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    Примерный перечень вопросов, ответы на которые нужно найти при изучении отрасли:

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    Эти вопросы помогут вам лучше понять ситуацию на рынке и составить портреты его участников.

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    Шаг 2: Изучение спроса

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    Цель исследования спроса – определить категории потребителей и оценить, есть ли у объекта собственности потенциал для них. 

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    Пример вопросов, которые следует задать для понимания спроса в рамках анализа:

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    Шаг 3: Изучение предложения

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    Анализ предложения – это детальное изучение того, что сейчас предлагают продавцы на рынке недвижимости. 

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    Приведем примерный перечень вопросов для исследования предложения:

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    Детальное изучение услуг, предлагаемых конкурентами, поможет риелтору подготовить УТП на свои услуги и выявить возможности для получения преимущества.

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    В результате анализа предложений вы определите, какая стратегия действенна, а что уже не работает, поймете, в каком сегменте можно быстрее добиться успеха.

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    Шаг 4: Юридический анализ

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    Юридическое исследование – это анализ существующих нормативных актов, действующих государственных программ и других факторов, которые влияют на отрасль.

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    Пример вопросов, которые стоит задать при проведении такого исследования:

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    Цель такого анализа – определить факторы, которые могут вызвать изменения. Например, к ним относятся действующие программы господдержки – материнский капитал, программа реновации, военная ипотека, программа «Молодая семья» и другие.

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    Шаг 5: Процесс сбора данных

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    Процесс сбора данных – один из важнейших этапов исследования рынка имущества. Он позволяет обобщить информацию для определения потенциала проекта и перспективы инвестиций. Собирать данные можно через специальные приложения. Используя их, риелтор может детально изучать предложения и получить информацию по безопасным инвестициям в объекты недвижимости.

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    Шаг 6: Отчет о результатах

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    Представив собранную информацию в виде отчета, риелтор сможет проанализировать ее, определить стратегию своих действий. Вы сможете не только профессионально консультировать клиентов по вопросам покупки или продажи собственности. Развиваясь в этом направлении можно со временем перейти в категорию трейдеров или инвесторов в недвижимость.

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    Как еще риелторы могут продвигать свои услуги?

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    Пройдя регистрацию на платформе Pampadu и став нашим полноправным партнером, вы сможете распространять банковские или страховые предложения, получая с этих операций дополнительный доход. Наша команда экспертов обеспечит вам легкий старт, ответив на все возникшие вопросы.

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    Например, можно предложить оформление ипотечного страхования своим клиентам онлайн через сервис Pampadu. Страховой полис будет стоить для клиента на 20-40 % дешевле, чем в банке, а риелтор сможет получить до 60% комиссионных за его оформление.

    \n', 'Анализ рынка недвижимости: что это и как делать', 'Анализ рынка недвижимости – что это такое? Рассказываем, зачем риелтору нужно анализировать спрос и предложение, и как это делается.', 'publish', 'open', 'open', '', 'analiz-rynka-nedvizhimosti-chto-eto-i-kak-delat', '', '', '2023-08-14 14:42:14', '2023-08-14 14:42:14', '', 0, 'https://pampadu.ru/blog/?p=3439', 0, 'post', '', 0), (3440, 1, '2023-08-14 14:38:30', '2023-08-14 14:38:30', '', '1030х502-1 (11)', '', 'inherit', 'open', 'closed', '', '1030h502-1-11-2', '', '', '2023-08-14 14:38:30', '2023-08-14 14:38:30', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-1-11.jpg', 0, 'attachment', 'image/jpeg', 0), (3442, 15, '2023-08-14 14:48:02', '2023-08-14 14:48:02', '\n

    У агентств, частных риэлторов распространена практика подписания эксклюзивного соглашения на продажу недвижимости. Специалисты сервиса партнерских продаж Пампаду собрали информацию о том, как применяют эксклюзивный договор при оказании риелторских услуг.

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    Что такое эксклюзивный договор

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    Эксклюзивный договор – это согласие на преимущество в праве работы агента с конкретным клиентом в отношении продажи или покупки недвижимости.

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    Эксклюзивность означает, что клиент соглашается работать только с одним риелтором (агентством), не обращаясь к другим посредникам. На практике эксклюзив представляет собой соглашение на оказание риелторских услуг, в котором имеется пункт о том, что клиент обязуется не заключать аналогичные договоры.

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    Что дает эксклюзивный договор с агентом

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    Соглашение является двусторонним обязательством, поэтому его обязаны выполнять как собственник недвижимости (заказчик), так и посредник (исполнитель). Клиент должен довериться посреднику, а риелтор – обеспечить продажу или покупку недвижимости добросовестно, качественно, в оговоренный срок. За это он получит гарантированную плату, а именно – комиссионное вознаграждение за совершение сделки.

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    Эксклюзивы чаще заключаются между риелторами и продавцами недвижимости, поскольку агентство берет на себя всю работу с потенциальными покупателями. По условиям соглашения риелтор обязуется реализовать собственность клиента, консультировать покупателей, приводить их на просмотры объекта.

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    Основные риски эксклюзивного договора

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    Подписав соглашение, собственник передает право на продажу своего имущества исключительно одному риелтору или агентству. Он обязуется заплатить 5-6 % комиссии, даже если покупателя приведет другой посредник или собственник найдет покупателя сам.

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    Если собственник передумает, решить подарить недвижимость родственнику или продать соседям, ему придется заплатить штрафные санкции. Чтобы иметь гарантию оплаты и не потерять клиента, агентства недвижимости часто изымают у владельца документы на квартиру. Так они не только облегчают себе работу, но и страхуются, что клиент гарантированно выплатит комиссию или неустойку по условиям соглашения.

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    Но такое соглашение не гарантирует результат для продавца. Агент может прилагать недостаточно усилий, в таком случае имущество может продаваться годами. Если недвижимость на протяжении действия эксклюзивного соглашения не будет продана, агентство недвижимости не несет за это никакой ответственности.

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    Существует категория внушаемых клиентов, которые боятся нарушить условия соглашения, чем пользуются некоторые агентства. Они могут бессовестно получать ежемесячную оплату от клиента в течение срока действия соглашения, а результат так и не будет достигнут.

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    Виды эксклюзивных договоров

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    Такой документ может быть представлен в разных формах, носить различные названия. Например, он может именоваться договор возмездных услуг по продаже объекта недвижимости, агентский договор, договор на услуги по эксклюзивной продаже объекта недвижимости, договор риелторских услуг.

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    Эксклюзивный договор отличает от других видов наличие определенных требований, установленных штрафов за их нарушение. Их суть заключается в том, что посредник все равно получит 5-6 % от продажи объекта. Он составляет документ так, чтобы оградить себя от проблем со стороны собственника имущества.

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    Поэтому собственнику следует внимательно изучать текст соглашения прежде, чем подписывать его.

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    Зачем заключают эксклюзивный договор

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    Эксклюзивные соглашения выгодны для агентств недвижимости, поэтому риелторы всегда стремятся заключать их, иногда даже путем обмана или манипуляций.

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    Но поскольку люди не часто имеют дело с продажей недвижимости, то могут согласиться на условия посредника, подписав эксклюзив. Агент может пообещать, что так продажа состоится быстрее или по более высокой цене.

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    Для клиента эксклюзивный договор – это способ заставить агента приложить максимум усилий для защиты его интересов. Существует категория собственников, которые сами настаивают на его заключении. Для них документ служит гарантией того, что агентство взяло на себя обязательства перед ними.

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    Если посредник не выполняет своих обязанностей, такое соглашение может быть расторгнуто. В реальности получается, что если клиент захочет уйти, то никакой документ его не удержит.

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    Выгода от эксклюзивного договора 

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    На первый взгляд кажется, что эксклюзив выгоден исключительно риелтору, а продавцу лучше обратиться сразу в несколько агентств недвижимости. Но для собственника он также имеет определенные преимущества:

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    Недостатки эксклюзивного договора

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    На деле эксклюзив выгоден для собственника не всегда. Все зависит от выбора агентства недвижимости или частного агента.

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    После подписания соглашения риелтор может расслабиться и не спешить с продажей. Продавцу же остается надеяться на быстрый результат и ждать.

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    Негативные стороны эксклюзивного соглашения для клиента:

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    Но никакой договор не будет гарантией того, что услуга будет оказана и клиент не уйдет. Успех сделки зависит в основном от риелтора: его подготовки, грамотности, скорости, вежливости и других качеств.

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    Хотите получать больший доход от риелторских услуг?

    \n\n\n\n

    Pampadu сотрудничает с агентами по недвижимости, брокерами, оценщиками, аналитиками и другими профессионалами в отрасли недвижимости. Совмещая работу в качестве агента по недвижимости с участием в нашей партнерской программе, вы сможете получать дополнительный доход.

    \n\n\n\n

    Чтобы стать партнером, достаточно регистрации на сайте. Вы сразу получите доступ в свой личный кабинет, где сможете просматривать предложения о сотрудничестве и статистику по заработанным суммам.

    \n\n\n\n

    На сайте представлены предложения по страхованию, банковским продуктам и подбору персонала. Например, агенты по недвижимости могут зарабатывать онлайн на страховке ипотечной недвижимости. Процедура оформления займет не более 10 минут, а за ее выполнение вы получите комиссионное вознаграждение до 60 % цены полиса.

    \n', 'Эксклюзивный договор риэлтора: что это, как работает и зачем заключать', 'Риелторы используют эксклюзивный договор как гарантию того, что клиент не обратится к конкурентам. Но чем это соглашение выгодно для собственника и зачем ему подписывать такой документ? Отвечаем на эти вопросы в статье.', 'publish', 'open', 'open', '', 'eksklyuzivnyj-dogovor-rieltora-chto-eto-kak-rabotaet-i-zachem-zaklyuchat', '', '', '2023-08-14 14:48:02', '2023-08-14 14:48:02', '', 0, 'https://pampadu.ru/blog/?p=3442', 0, 'post', '', 0), (3443, 1, '2023-08-14 14:46:23', '2023-08-14 14:46:23', '', '1030х502-4 (12)', '', 'inherit', 'open', 'closed', '', '1030h502-4-12-2', '', '', '2023-08-14 14:46:23', '2023-08-14 14:46:23', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-4-12.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3445, 15, '2023-08-14 14:54:31', '2023-08-14 14:54:31', '\n

    Приемка квартиры от застройщика – процедура, цель которой подтвердить, что выполненные работы соответствуют требованиям и нормам. Для этого квартиру нужно тщательно осмотреть, чтобы не пропустить ни единого дефекта. 

    \n\n\n\n

    Сервис партнерских продаж Pampadu предлагает агентам по недвижимости получать дополнительный доход на оформлении финансовых и страховых продуктов. Наши сотрудники следят за изменениями рынка недвижимости и всегда располагают актуальной информацией. Мы подготовили для вас простое руководство о том, как оценить новостройку и оформить результаты осмотра.

    \n\n\n\n

    Что такое приемка квартиры

    \n\n\n\n

    Когда застройщик сдает готовое жилье, квартира должна быть принята покупателем. Дольщика или его представителя приглашают на осмотр, по итогам которого планируется подписание акта приема-передачи. Будущему собственнику квартиры разрешено привлечь эксперта, роль которого может исполнить риелтор.

    \n\n\n\n

    Что взять с собой на приемку

    \n\n\n\n
    1. Документы;
    2. Несколько листов А4, малярный скотч;
    3. Свечу или зажигалку;
    4. Мультиметр, индикаторную отвертку или зарядное устройство для телефона;
    5. Уровень, рулетку или лазерный дальномер;
    6. Мелок, маркер и ручки;
    7. Лампочку;
    8. Небольшую стремянку.
    \n\n\n\n

    Хоть функция фонарика есть у любого телефона, лучше использовать карманный или налобный прибор – особенно, если проверка будет проводиться в темное время, а освещение в квартире отсутствует. Но все-таки проверять квартиру желательно при солнечном свете.

    \n\n\n\n

    Приемка квартиры

    \n\n\n\n

    Перед осмотром перечитайте ДДУ, чтобы сверить информацию об отделке, производителе дверей и окон, материалах стен, пола в квартире. В нем указана площадь квартиры, которую можно проверить при помощи рулетки или лазерного дальномера.

    \n\n\n\n

    Документы

    \n\n\n\n

    Процедура начинается в офисе строительной компании. Покупатель должен явиться туда с оригиналом ДДУ и паспортом. Если лично прийти не получается, дольщик может оформить доверенность на своего представителя.

    \n\n\n\n

    Застройщик обязан предоставить покупателю разрешение на строительство жилого комплекса и документы о присвоении дому адресации. Помимо акта ввода здания в эксплуатацию, необходимо проверить правоустанавливающий документ, технический и кадастровый паспорта, документы на счетчики.

    \n\n\n\n

    Представители застройщика могут предложить подписать передаточный акт до осмотра квартиры. Но поддаваться их давлению не нужно. Далее предстоит осмотр квартиры. Наша пошаговая инструкция позволит вам проверить жилье в течение часа.

    \n\n\n\n

    Входная дверь

    \n\n\n\n

    Внимательно осмотрите дверное полотно на предмет царапин, вмятин и других дефектов. Проверьте, не заедают ли замки и хорошо ли закреплена дверная ручка. Дверь должна без усилий закрываться и открываться, не проседать, не издавать скрипа. Не забудьте также проверить дверной глазок и звонок, если они имеются.

    \n\n\n\n

    Отделка, стены и полы

    \n\n\n\n

    Если квартира принимается в черновой отделке, то нужно оценить все поверхности на наличие отклонений. Возьмите уровень и оцените этот показатель. Отклонение стен по вертикали не должно составлять более 15 мм, дверных проемов – более 10 мм. Отклонение пола и потолка по горизонтали может составлять не более 20 мм. На поверхностях не должно быть влаги, трещин и неровностей свыше 5 мм.

    \n\n\n\n

    Если квартира сдается в предчистовой отделке, то проверьте также исправность электрических розеток и выводов освещения. Оцените стяжку пола, штукатурку на стенах, отделку откосов окон и входной двери.

    \n\n\n\n

    При чистовой отделке квартира почти готова к заселению, но и проверок потребуется больше. Оцените, как поклеены обои, уложено напольное покрытие, нет ли щелей между стеной и плинтусами. Проверьте межкомнатные двери на наличие царапин и сколов.

    \n\n\n\n

    Окна и балконы

    \n\n\n\n

    Чаще всего встречаются дефекты в виде царапин на стеклопакетах и рамах – их стоит тщательно осмотреть. Убедитесь, что механизм открытия работает без заеданий, а створки не задевают подоконник. 

    \n\n\n\n

    Другие требования к окнам и балконным блокам:

    \n\n\n\n\n\n\n\n

    Из закрытого окна не должно дуть – проверить это можно с помощью бумажного листа. Поместите его между рамой и створкой, закройте окно и попытайтесь достать лист. Повторите эту операцию в других местах вдоль периметра каждой створки. Если лист можно достать – прилегание створки неплотное, и в ветреную погоду из этих щелей, вероятно, будет дуть.

    \n\n\n\n

    Обнаружить щели поможет зажженная свеча, спичка или зажигалка. Поводите ей вдоль стыков, и вы поймете, откуда идет сквозняк. Сразу помечайте найденные недочеты: клейте малярный скотч и делайте на нем пометки. Царапины и вздутия на стеклопакетах можно обвести маркером.

    \n\n\n\n

    Вентиляция

    \n\n\n\n

    В новостройках обычно имеются два отдельных вентиляционных канала. Их входы расположены в санузле и на кухне, а выходы – выедены на крыше или чердаке.

    \n\n\n\n

    Для этой проверки также пригодится захваченный с собой реквизит. Закройте входную дверь и немного приоткройте окно. Теперь проверьте работу вентиляции. Поднесите бумажный лист к отверстию вентиляции – тот должен прилипнуть к решетке. Вытяжку можно проверить также зажженной свечой: ее пламя должно отклоняться в сторону вентиляционного отверстия. А вот наличие обратной тяги – повод для серьезного беспокойства.

    \n\n\n\n

    Учтите, что на верхнем этаже естественная вентиляция может практически не работать. Это нормальное явление, обусловленное недостаточной высотой столба вентиляционного канала. Поэтому в таких квартирах застройщик обычно устанавливает на вытяжные отверстия дополнительные вентиляторы.

    \n\n\n\n

    Электрика

    \n\n\n\n

    Для этой проверки вам пригодится тестер электричества, особенно если квартира без отделки. Так вы сможете измерить напряжение на выводах электропроводки и проверить, имеется ли заземление.

    \n\n\n\n

    Если вы не взяли с собой мультиметр или индикаторную отвертку – не беда. Попросите представителя застройщика включить электричество на общем щитке, а сами в это время нажмите кнопку «тест» на квартирном электрощите. Если автомат сработает и отключится, значит все в порядке.

    \n\n\n\n

    Если в квартире уже смонтированы розетки, то наличие тока можно проверить с помощью любого электроприбора – например, зарядки от телефона. 

    \n\n\n\n

    Проверить освещение можно, вкрутив в патрон лампочку. Это нужно сделать в каждом помещении, проверяя одновременно работу выключателей.

    \n\n\n\n

    Водоснабжение и канализация

    \n\n\n\n

    Проверьте, идет ли вода в квартире. Изучите, в каком состоянии находятся смесители и сантехнические приборы. Недопустимо наличие пятен, подтеков и сколов на них. Запорная арматура на трубах должна быть исправна, все соединения – герметичны, а на выводах канализации должны стоять заглушки.

    \n\n\n\n

    Запишите показания счетчиков воды (холодной и горячей), сверьте серийный номер устройства с указанным в паспорте. Убедитесь, что ванна заземлена – под ее корпусом должен быть прикреплен специальный провод.

    \n\n\n\n

    Подписываем документы

    \n\n\n\n

    Все обнаруженные в ходе проверки недостатки необходимо внести в акт осмотра. Затем предстоит решить, как поступить с актом приема-передачи квартиры. Это зависит от степени выявленных нарушений.

    \n\n\n\n

    Подписывать или нет

    \n\n\n\n

    При обнаружении недостатков у дольщика есть два пути:

    \n\n\n\n
    1. Не подписывать акт. Застройщик должен устранить обнаруженные недочеты бесплатно в течение 45 суток. В этом случае ключи на руки покупатель пока не получит.
    2. Подписать акт, но с оговоркой об устранении дефектов. Срок выполнения устанавливается тот же – 45 суток. После проведения работ компания пригласит дольщика для контрольной проверки, результаты который снова нужно зафиксировать документально.
    \n\n\n\n

    Подписываем акт осмотра

    \n\n\n\n

    Его также называют дефектной ведомостью или актом дефектовки. Документ составляется в 2 экземплярах и должен быть подписан сторонами, указанными в договоре долевого участия.

    \n\n\n\n

    Проверьте доверенность представителя застройщика, который собирается подписывать документ. В ней должно быть указано, что сотрудник имеет право это делать от имени застройщика.

    \n\n\n\n

    Подписываем акт приема-передачи

    \n\n\n\n

    Прежде, чем ставить подпись на документе, прочитайте его текст полностью. К примеру, компания может включить в него пункт о том, что вы не имеете претензий к срокам сдачи объекта долевого участия. Такая фраза может быть добавлена в случае просрочки. Если же вы намерены получить компенсацию, добейтесь исключения этого пункта из акта, и только тогда подписывайте его.

    \n\n\n\n

    Хотите получать больший доход, работая агентом по недвижимости?

    \n\n\n\n

    Чтобы эффективно продвигать свои услуги, недостаточно быть профи в сфере недвижимости. Выделиться на фоне конкурентов вам помогут дополнительные возможности, которые вы можете предложить своим клиентам.

    \n\n\n\n

    Этого можно добиться, участвуя в реферальных программах Пампаду. Наша платформа сотрудничает с различными финансовыми учреждениями, кредитными и страховыми компаниями.

    \n\n\n\n

    Помогая людям оформлять банковские или страховые офферы, можно увеличить свой совокупный доход в 2-3 раза! Например, вы можете предложить своим клиентам страховку ипотечной недвижимости и, в случае их согласия, получить комиссию за ее оформление (до 60% от цены полиса).

    \n', 'Как риэлтору принять квартиру от застройщика', 'Приемка квартиры от застройщика – не формальность, а важный этап в приобретении имущества. Чтобы покупателю жилья в новостройке не пришлось позже судиться со строительной компанией, нужно серьезно отнестись к этому процессу.', 'publish', 'open', 'open', '', 'kak-rieltoru-prinyat-kvartiru-ot-zastrojshhika', '', '', '2023-08-14 14:54:31', '2023-08-14 14:54:31', '', 0, 'https://pampadu.ru/blog/?p=3445', 0, 'post', '', 0), (3446, 1, '2023-08-14 14:50:55', '2023-08-14 14:50:55', '', '1030х502-5 (12)', '', 'inherit', 'open', 'closed', '', '1030h502-5-12-2', '', '', '2023-08-14 14:50:55', '2023-08-14 14:50:55', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-5-12.jpg', 0, 'attachment', 'image/jpeg', 0), (3481, 13, '2023-08-15 12:12:34', '2023-08-15 12:12:34', '\n

    ? Покажи лучшие результаты по продажам и выигрывай крутые призы.

    \n\n\n\n

    Продукты принимающие участие в розыгрыше:
    — ОСАГО и КАСКО ( 6 номинаций) 12 подарков;
    — Ипотека ( 6 номинаций) 9 подарков;
    — Фин. продукты ( 4 номинаций) 8 подарков;
    — Реферальная программа ( 4 номинаций) 8 подарков.

    \n\n\n\n

    По ОСАГО, КАСКО и ипотеке объявление результатов акции - до 10.09.2023.
    По финансовым продуктам и реферальной программе - до 15.10.2023.

    Подробности по ссылке здесь

    \n\n\n\n

    ? Завершите летний сезон с крутыми призами от Пампаду!

    \n', 'Выигрывай подарки от Пампаду', '', 'publish', 'open', 'open', '', 'vyigryvaj-podarki-ot-pampadu', '', '', '2023-08-15 12:12:34', '2023-08-15 12:12:34', '', 0, 'https://pampadu.ru/blog/?p=3481', 0, 'post', '', 0), (3482, 1, '2023-08-15 11:57:19', '2023-08-15 11:57:19', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-125', '', '', '2023-08-15 11:57:19', '2023-08-15 11:57:19', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-14.png', 0, 'attachment', 'image/png', 0), (3483, 1, '2023-08-15 12:09:56', '2023-08-15 12:09:56', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-31', '', '', '2023-08-15 12:09:56', '2023-08-15 12:09:56', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-1-3.png', 0, 'attachment', 'image/png', 0), (3485, 13, '2023-08-15 13:46:37', '2023-08-15 13:46:37', '\n

    ? Делимся цифрами июля по финансовым продуктам на Пампаду:

    \n\n\n\n

    — Максимальный заработок одного пользователя в июле с продаж банковских продуктов составил 243 000 рублей!
    — В общей сложности наши пользователи заработали на банковских продуктах 17.6 млн. рублей!
    — Продано более 4 500 банковских продуктов.
    — Отправлено 16 500 заявок.

    \n\n\n\n

    ? Рекомендованные продукты для продаж в Августе-Сентябре:

    \n\n\n\n

    Кредитная карта Газпромбанк 180 дней без %
    Вознаграждение: 7600 руб.

    Кредитная карта Тинькофф Платинум
    Вознаграждение: 4200 руб.

    Кредитная карта Альфа 365 дней без %
    Вознаграждение: 4 000 руб.

    \n\n\n\n

    Подписывайтесь на ➡️ канал посвященный банковским продуктам и узнавайте все новости первыми!

    \n\n\n\n

    Не останавливайтесь на достигнутых результатах, продолжайте исследовать и продавать финансовые продукты на Пампаду.

    \n', 'Итоги июля по банковским продуктам', 'Делимся результатами июля по банковским продуктам. \nТакже внутри статьи выгодные офферы для продаж в Августе. ', 'publish', 'open', 'open', '', 'itogi-iyulya-po-bankovskim-produktam', '', '', '2023-08-15 13:46:37', '2023-08-15 13:46:37', '', 0, 'https://pampadu.ru/blog/?p=3485', 0, 'post', '', 0), (3486, 1, '2023-08-15 13:41:18', '2023-08-15 13:41:18', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-126', '', '', '2023-08-15 13:41:18', '2023-08-15 13:41:18', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-15.png', 0, 'attachment', 'image/png', 0), (3488, 13, '2023-08-16 10:36:06', '2023-08-16 10:36:06', '\n

    Почему реферальная программа на Пампаду вдвойне выгоднее, чем на других страховых агрегаторах?

    \n\n\n\n

    У нас вы зарабатываете не только:
    50р. за каждый полис ОСАГО;
    1% от страховой премии за полис Ипотеки.

    \n\n\n\n

    ✔️ Но и ещё:
    5% с каждого проданного банковского продукта;
    5% с каждого устройства на работу по найму персонала (HR).
    Подробные правила здесь

    \n\n\n\n

    По статистике каждый второй страховой агент на нашей платформе дополнительно продает фин. продукты, т.к. ставки по ним часто выше, чем по страховым. Для ваших рефералов это дополнительный заработок с высокими ставками, а для вас целых 5% с их вознаграждения в добавок к выплатам по страховым продуктам.

    \n\n\n\n

    Например, недавний кейс: агент привлёк 6 рефералов и за месяц пассивно заработал с них 7000 рублей.

    \n\n\n\n

    ?Убедили?
    Копируйте реферальную ссылку и приглашайте новых партнеров на Пампаду!

    \n\n\n\n

    Увеличивайте свой заработок вместе с Пампаду

    \n', '? Приглашайте новых пользователей на Пампаду и зарабатывайте больше, чем где-либо!', 'Узнавайте в статье почему реферальная программа на Пампаду вдвойне выгоднее, чем на других страховых агрегаторах? ', 'publish', 'open', 'open', '', 'priglashajte-novyh-polzovatelej-na-pampadu-i-zarabatyvajte-bolshe-chem-gde-libo', '', '', '2023-08-16 10:36:06', '2023-08-16 10:36:06', '', 0, 'https://pampadu.ru/blog/?p=3488', 0, 'post', '', 0), (3491, 1, '2023-08-16 10:34:20', '2023-08-16 10:34:20', '', 'image', '', 'inherit', 'open', 'closed', '', 'image-15', '', '', '2023-08-16 10:34:20', '2023-08-16 10:34:20', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/image.png', 0, 'attachment', 'image/png', 0), (3492, 1, '2023-08-16 10:35:04', '2023-08-16 10:35:04', '', '1030х502-1', '', 'inherit', 'open', 'closed', '', '1030h502-1-32', '', '', '2023-08-16 10:35:04', '2023-08-16 10:35:04', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-1-4.png', 0, 'attachment', 'image/png', 0), (3493, 1, '2023-08-16 10:35:38', '2023-08-16 10:35:38', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-127', '', '', '2023-08-16 10:35:38', '2023-08-16 10:35:38', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-16.png', 0, 'attachment', 'image/png', 0), (3495, 13, '2023-08-17 08:21:48', '2023-08-17 08:21:48', '\n

    ⚡️ Мы в очередной раз улучшаем условия вознаграждения и работы по страхованию ипотеки. Уже со вчерашнего дня увеличили вознаграждение до 55% с каждого оформленного полиса в страховой компании Зетта для кредитов Сбербанка.

    \n\n\n\n

    ?Напоминаем, что у СК Зетта на Пампаду один из самых выгодных тарифов и доступно оформление полисов страхования жизни, имущества, комбинированные.
    Принимаются заемщики до 60 лет и остаток долга до 14 млн по жизни и до 19 млн по имуществу.

    \n\n\n\n

    Не впечатляет?

    \n\n\n\n

    Тогда посмотрите, сколько мы платим по другим компаниям и банкам на баннере ниже ⬇️

    \n\n\n\n
    \"\"
    \n\n\n\n

    Зарабатывайте больше вместе с нами, команда Пампаду

    \n', 'Повышаем КВ по Ипотеке до 55% в СК Zetta', 'Улучшаем условия вознаграждения до 55% по страхованию ипотеки в СК Zetta, подробности внутри статьи.', 'publish', 'open', 'open', '', 'povyshaem-kv-po-ipoteke-do-55-v-sk-zetta', '', '', '2023-08-17 08:21:48', '2023-08-17 08:21:48', '', 0, 'https://pampadu.ru/blog/?p=3495', 0, 'post', '', 0), (3496, 1, '2023-08-17 08:12:22', '2023-08-17 08:12:22', '', '1030h502-17', '', 'inherit', 'open', 'closed', '', '1030h502-17-2', '', '', '2023-08-17 08:12:22', '2023-08-17 08:12:22', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-17.png', 0, 'attachment', 'image/png', 0), (3497, 1, '2023-08-17 08:19:34', '2023-08-17 08:19:34', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-33', '', '', '2023-08-17 08:19:34', '2023-08-17 08:19:34', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-1-5.png', 0, 'attachment', 'image/png', 0), (3499, 13, '2023-08-17 13:05:47', '2023-08-17 13:05:47', '\n

    ♾ Продолжаем расширять список доступных страховых компаний и банков.

    \n\n\n\n

    В Югории запущено оформление полиса сразу для нескольких банков:
    Сбербанк, ВТБ, Газпромбанк, Открытие, Райффайзен, Промсвязьбанк.

    \n\n\n\n

    — типы полисов: жизнь, имущество и комбинированный;
    — для квартир и апартаментов;
    — лимит остатка по кредиту до 15 млн. руб.;
    — возраст заемщика 18-54 лет (и до 60 лет по имуществу)
    — возможно оформление до заключения кредитного договора ( до 7 дней);
    — минимальна дата начала страхования - текущим днем!

    \n\n\n\n

    ?Как всегда, самые вкусные комиссии: 45% по сбербанку и 10% по остальным.

    \n\n\n\n

    Напоминаем:

    \n\n\n\n
    1. Что у нас есть эксклюзивные предложения от ряда страховых компаний по тарифам и комиссиям до 60%, попробуйте и сравните.
    2. Если вы столкнулись с ситуацией, когда онлайн ни одна компания не дает расчет, оставьте заявку на помощь в оформлении.
      Наши менеджеры оперативно рассчитают и помогут подобрать оптимальный вариант страхования.
      Инструкция
    3. Нужно внести изменения в полис?
      Напишите в чат поддержки и мы все оперативно сделаем.
    \n\n\n\n

    С любовью к своему делу,
    Команда Пампаду ?

    \n', 'Встречайте: СК Югория в ипотеке для 6 банков!', 'Запущена новая СК Югория в ипотеке сразу для нескольких банков.', 'publish', 'open', 'open', '', 'vstrechajte-sk-yugoriya-v-ipoteke-dlya-6-bankov', '', '', '2023-08-17 13:05:47', '2023-08-17 13:05:47', '', 0, 'https://pampadu.ru/blog/?p=3499', 0, 'post', '', 0), (3500, 1, '2023-08-17 13:03:47', '2023-08-17 13:03:47', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-128', '', '', '2023-08-17 13:03:47', '2023-08-17 13:03:47', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-18.png', 0, 'attachment', 'image/png', 0), (3503, 15, '2023-08-17 16:23:12', '2023-08-17 16:23:12', '\n

    Агентам по недвижимости регулярно приходится сталкиваться в работе с проблемными объектами, которые нелегко продать. Но, в большинстве случаев, на ситуацию можно повлиять, и сделка в итоге будет заключена.

    \n\n\n\n

    Специалисты сервиса партнерских продаж Pampadu изучили этот вопрос и выяснили, какие ошибки в продаже квартиры могут допустить неопытные риелторы или собственники, которые решили искать покупателя своими силами.

    \n\n\n\n

    Неправильная стартовая цена продажи

    \n\n\n\n

    Если цена квартиры будет не соответствовать ее состоянию, площади, расположению и другим характеристикам, то продажа надолго затянется. Такую недвижимость пытаются продать годами, но покупатель так и не находится. А другие объекты, схожие по условиям расположения и иным характеристикам, покупают в течение считанных дней. В чем же проблема? Ответ достаточно прост.

    \n\n\n\n

    Посещая агрегаторы объявлений о продаже недвижимости, большинство покупателей применяют поисковые фильтры. Они могут искать жилье в определенном районе, иметь требования к количеству комнат и этажу, на котором находится квартира. Но первоочередным фактором всегда остается цена.

    \n\n\n\n

    Завышенная стоимость станет причиной того, что покупатели попросту не увидят объявление, или же заметят его, но не станут изучать детальнее. Как ни странно, заниженная цена тоже может стать причиной отсутствия продуктивных заявок. Она наведет покупателей на мысли о мошенниках и сомнения в юридической чистоте квартиры. Впрочем, такое объявление точно заинтересует перекупщиков и объект, скорее всего, удастся быстро реализовать. Но поскольку риелтор продаст квартиру слишком дешево, то и комиссионные получит гораздо меньше.

    \n\n\n\n

    Как агенту правильно рассчитать стоимость объекта? Изучите способы оценки и ситуацию на рынке недвижимости, узнайте кадастровую стоимость жилья, используйте собственный опыт и специальные сервисы. Аналитика поможет вам определить допустимый диапазон цен. Если собственник не согласен с приведенной вами информацией, он может пригласить своего оценщика.

    \n\n\n\n

    Отсутствие предпродажной подготовки

    \n\n\n\n

    Какой бы позиции не придерживался потенциальный покупатель, прежде всего, он оценивает квартиру визуально. Ему должно понравиться то, что он увидит. Тогда цена покажется клиенту приемлемой, и решение будет принято быстрее. 

    \n\n\n\n

    Однако если в квартире неприятно пахнет, она запущена и даже не убрана, то это оттолкнет любого посетителя. Из-за этого жилье будет казаться мрачным и тесным, что вряд ли сулит заключение сделки в дальнейшем.

    \n\n\n\n

    Чтобы избежать ошибок в подготовке квартиры к показу, нужно оценить жилье со стороны и понять, какое впечатление оно производит. Обсудите с его владельцем работы, которые следует провести.

    \n\n\n\n

    Обратите внимание собственника на детали, которых тот может не замечать. Скрипящие двери, трубы с подтеками, облезшая краска, известковый налет на плитке – все эти детали создают неприглядную картину. Но многие из этих недостатков можно легко устранить, даже самостоятельно. Иногда достаточно заменить лампы освещения на более яркие – и квартира сразу покажется светлее и просторнее.

    \n\n\n\n

    Собственник может ограничиться генеральной уборкой или нанять службу клининга. Услуги профессиональных клинеров окупятся, поскольку помогут произвести благоприятное впечатление на посетителей.

    \n\n\n\n

    Даже если в квартире чистота и порядок, общее впечатление может испортить грязный подъезд или захламленная лестничная клеть. Такая картина может навести покупателей на мысль, что в доме проживают неблагополучные личности и от таких соседей можно ждать неприятностей. Владельцу стоит обсудить эту проблему с соседями, обратиться в управляющую компанию или нанять мастера чистоты – в зависимости от решаемой задачи. Также стоит навести порядок на входе в подъезд, в лифте и в тамбуре возле квартиры, проверить освещение на лестничной площадке.

    \n\n\n\n

    Если же сама квартира в удручающем виде, сначала стоит провести небольшой ремонт: поклеить недорогие обои пастельных тонов, постелить на пол линолеум – пусть даже дешевый. Такие несложные манипуляции могут улучшить внешний вид и поднять стоимость жилья.

    \n\n\n\n

    Если владелец не желает тратить деньги на ремонт, есть и другой путь – продавать квартиру с предчистовой отделкой. Для этого нужно удалить со стен старые обои, размыть слой штукатурки на потолке и снять обветшалое напольное покрытие. Конечно, перед этим нужно удалить из квартиры мебель и весь ненужный хлам. Такая подготовка поможет покупателю оценить жилье как квадратные метры для реализации будущей планировки.

    \n\n\n\n

    Как избежать ошибок в подготовке? Перечислим то, что понравится каждому покупателю: 

    \n\n\n\n\n\n\n\n

    Такие характеристики помогут покупателю составить положительное мнение. Увидев подобную квартиру, он быстрее примет решение о покупке – ведь такое идеальное жилье может уйти из-под носа.

    \n\n\n\n

    Ошибка в рекламных материалах, фотографиях и описаниях

    \n\n\n\n

    Третья ошибка является следствием второй. Невозможно сделать вдохновляющие фото неухоженного и захламленного жилища. Скорее всего, покупатель быстро пролистает галерею таких фотографий и будет искать квартиру дальше.

    \n\n\n\n

    Темные и смазанные фото также производят удручающий вид. В совокупности со скупым и туманным описанием квартиры они могут вызвать у соискателя только раздражение. Не стоит оставлять интригу, цель риелтора – представить объект в выигрышном свете и побыстрее выйти на сделку.

    \n\n\n\n

    Как избежать этой ошибки? Выполнить предпродажную подготовку, после которой сделать фотографии объекта в высоком разрешении, с правильно поставленным освещением. Чтобы добиться красивой картинки, можно провести небольшой косметический ремонт или заказать услугу хоумстейджинга. Профессиональный хоумстейджер привезет с собой весь необходимый реквизит, насытит пространство триггерами и сам сделает привлекательные фотографии.

    \n\n\n\n

    Чтобы у риелтора было меньше провальных заявок, нужно также уделить внимание тексту объявления. Он должен легко читаться, быть содержательным, не слишком длинным, но и не чересчур коротким. Чем лучше и точнее вы опишите объект, тем больше вопросов покупателей закроете еще до звонка или посещения квартиры.

    \n\n\n\n

    Ошибка при общении с покупателями

    \n\n\n\n

    Четвертый тип ошибки может свести на нет все ваши старания и проведенную собственником подготовку квартиры. Прежде всего, риелтору нужно своевременно, уверенно и вежливо отвечать на звонки и сообщения заинтересованных лиц. Он должен иметь четкое представление о предмете общения, быть готов к вопросам и всегда благожелательно общаться с клиентами.

    \n\n\n\n

    Не нужно приглашать на просмотр квартиры каждого, кто к вам обратился. Сначала следует убедиться, что объект недвижимости удовлетворит его потребности и пожелания. Иначе вы только впустую потратите собственное время.

    \n\n\n\n

    Как правильно общаться с клиентом? Для риелтора важны навыки в продажах. Несмотря на то, что покупка жилья – это дорогое приобретение, подобные решения принимаются по большей части эмоционально, на подсознательном уровне. Чтобы воздействовать на эмоции покупателя, вам нужно дать ему почувствовать себя владельцем новой квартиры, позволить ему «влюбиться» в нее. С этой целью стоит подробно расспросить потенциального покупателя: побольше узнать о его семье, материальном статусе и намерениях. Это поможет вам правильно представить преимущества жилья.

    \n\n\n\n

    Возможно, покупатель приобретает жилье не для себя, а под сдачу в аренду или в подарок на свадьбу. Или там будут проживать пожилые родители клиента. Цели приобретения могут быть различными, но в разных случаях презентация жилья должна отличаться.

    \n\n\n\n

    Неправильная презентация

    \n\n\n\n

    Некоторые владельцы жилья не желают давать ключи от квартиры риелтору и сами хотят заниматься показами. Конечно, с точкой зрения клиента следует считаться, но намекните ему, что в таком случае успех сделки будет зависеть от него самого, и никаких гарантий вы не дадите. Вероятно, что после нескольких визитов посетителей он изменит свое мнение и доверит эту миссию вам.

    \n\n\n\n

    Проблема заключается в том, что собственник жилья не способен оценивать его объективно, со стороны. Он не сможет грамотно работать с возражениями покупателей, воспринимая каждое замечание на свой личный счет. Такое общение может закончиться конфликтом и нежеланием сотрудничать.

    \n\n\n\n

    Некоторые владельцы принимаются рассказывать историю квартиры и биографии ее жильцов. Такая информация может быть не только лишней, но и, в конечном счете, навредить. Покупатель должен увидеть квартиру обезличенной, чтобы представить себя ее владельцем.

    \n\n\n\n

    Дело обстоит сложнее, если в квартире на момент показа проживают владельцы или арендаторы. В таком случае стоит предупредить их о визите покупателей заранее и попросить навести порядок. Сохнущее белье, разбросанные игрушки, запах борща – подобные признаки деятельности могут помешать оценке квартиры. Это же касается плачущих детей и домашних животных, которые не дадут посетителю сосредоточиться на своих ощущениях и эмоциях во время визита.

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    Как избежать этой ошибки? Опытные риелторы разрабатывают персональную программу показа квартиры для каждого потенциального покупателя. Они владеют множеством специфических приемов, умеют нивелировать недостатки жилья, акцентируя внимание на его достоинствах. Но эти умения приходят не сразу. Для начала постарайтесь не мешать посетителю в осмотре: не следуйте за ним по пятам и не слишком расхваливайте квартиру. Такое назойливое внимание может только оттолкнуть покупателя.

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    Ошибка в планировании сделки

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    Когда покупатель найден, расслабляться еще рано. У каждой из сторон предстоящей сделки могут быть свои сложности и ограничения. К примеру, покупателю нужно обналичить материнский сертификат, а продавец должен сначала получить разрешение на сделку с долями детей в органах опеки.

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    В результате заключение договора переносится либо откладывается. Если стороны не смогут прийти к компромиссу, сделка сорвется. В результате агент по недвижимости не получит платы, ему придется заново искать покупателей, проводить показы и так по кругу…

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    Задача риелтора заключается в сглаживании различных конфликтных ситуаций. Например, покупатель может в последний момент передумать, начать торговаться или забыть деньги. Поэтому агент по недвижимости всегда должен быть готов к всевозможным нестандартным ситуациям. А по спорным моментам стороны сделки могут проконсультироваться у нотариуса или юриста.

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    Как сделать так, чтобы сделка состоялась? На этом этапе риелтору предстоит показать все свое мастерство. Он должен предусмотреть все нюансы, предложить сторонам способы решения возникшей проблемы. Например, можно составить договор задатка или предварительный договор купли-продажи.

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    Какие еще возможности открывают для риелтора сделки с недвижимостью?

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    Даже когда риелтора нанимает продавец жилья, не стоит упускать шанс предложить свои услуги покупателям. Возможно, им не требуется помощь в подборе жилья, но могут понадобиться другие услуги. Например, вы можете предложить им застраховать недвижимость, если они планируют оформить ипотеку.

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    Для этого достаточно зарегистрироваться на платформе партнерских продаж Pampadu и найти страховку на сайте. Выбрав полис, отвечающий запросам клиента, вы можете оформить его онлайн – менее чем за 10 минут. Такое решение выгодно всем: клиент получает полис по сниженной цене, а вы – комиссионное вознаграждение в размере до 60 % от его стоимости.

    \n', 'Ошибки в продаже квартиры: что нужно знать риэлтору', 'Продавая недвижимость, нужно правильно рассчитать стоимость объекта и подготовить жилье к показу. Все эти нюансы должен учитывать риелтор, чтобы привлечь внимание покупателей и не совершить в продаже квартиры ошибки.', 'publish', 'open', 'open', '', 'oshibki-v-prodazhe-kvartiry-chto-nuzhno-znat-rieltoru', '', '', '2023-08-17 16:23:12', '2023-08-17 16:23:12', '', 0, 'https://pampadu.ru/blog/?p=3503', 0, 'post', '', 0), (3504, 1, '2023-08-17 16:21:41', '2023-08-17 16:21:41', '', '1030х502-2 (10)', '', 'inherit', 'open', 'closed', '', '1030h502-2-10-2', '', '', '2023-08-17 16:21:41', '2023-08-17 16:21:41', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-2-10.jpg', 0, 'attachment', 'image/jpeg', 0), (3506, 15, '2023-08-17 16:30:26', '2023-08-17 16:30:26', '\n

    Сервис партнерских продаж Пампаду регулярно помогает специалистам рынка недвижимости повышать свой профессиональный уровень и развиваться. В этой статье мы объясним, что такое воронка продаж агентства недвижимости и как ее настроить.

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    Этапы взаимодействия с пользователем

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    Основные этапы воронки продаж риелтора базируются на классической модели AIDA: 

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    Рассмотрим подробнее базовые ступени риелторской воронки продаж и выясним, как взаимодействовать с клиентом на каждой из них.

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    Путь пользователя при покупке недвижимости

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    Воронка продаж агентства недвижимости может включать любое число стадий. Популярный формат воронки состоит из указанных 4 этапов. Вы можете взять его за основу или модифицировать – поступайте так, как вам будет удобнее следить за процессами.

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    1. Просмотр объявления

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    Эта ступень является точкой входа в воронку: новые пользователи узнают о существовании агентства недвижимости и знакомятся с предлагаемыми им услугами. 

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    На этом уровне воронки нужно использовать все доступные вам инструменты: медийную рекламу и проморолики, таргетированную и контекстную рекламу, ретаргетинг, PR и нативную рекламу. Ваша задача – заинтересовать посетителя и вовлечь в дальнейшую коммуникацию.

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    Если пользователь хочет купить недвижимость, он активно ищет информацию в интернете, используя определенные поисковые запросы, «сидит» на агрегаторах недвижимости и в тематических группах соцсетей. Важно присутствовать на всех подобных ресурсах и оказаться в его поле зрения.

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    После просмотра рекламы пользователь переходит на сайт агентства, где изучает его предложения. Успех на этом шаге во многом зависит от качества контента и нормальной работы платформы.

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    2. Первый контакт

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    Чтобы привлечь клиентов, на сайте агентства должны быть указаны разные способы обращения в компанию: заказ обратного звонка, мессенджеры, соцсети, онлайн-консультация. Обработкой входящих звонков в агентстве недвижимости обычно занимается отдел продаж, который иногда может свести на нет все усилия маркетологов. Поэтому подготовка и мотивация менеджеров компании засуживают пристального внимания.

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    3. Просмотр квартиры

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    На этом этапе пользователь находится в активном поиске: он выбрал для себя подходящий район и сравнивает предложения недвижимости в данной локации. С этой целью он начинает осматривать подходящее жилье. Теперь главная задача риелтора – грамотно организовать просмотр и не разочаровать клиента.

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    4. Сделка

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    Если клиент решился приобрести квартиру или дом, нужно грамотно довести его до заключения сделки купли-продажи. Заранее обсудите детали покупки и способ оплаты (ипотека, материнский капитал, рассрочка или предоплата), узнайте о его планах на приобретаемую недвижимость.

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    Распределение бюджета на рекламные каналы

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    По статистике, большинство обращений клиентов приходит по каналам контекстной и таргетированной рекламы. На эти источники клиентского трафика нужно направить базовую часть рекламного бюджета.

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    Но не стоит списывать со счетов охватные каналы продвижения. Баннерная и видеореклама позволяют генерировать новый спрос: они знакомят потребителя с риелторской компанией, создают интерес к ее предложениям.

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    Учтите, что пользователи чаще всего используют для обращений смартфоны. Поэтому нужно оптимизировать сайт агентства под работу на мобильных устройствах, обеспечив понятный интерфейс и быструю скорость его загрузки.

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    Чеклист. Что делать, если нет продаж

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    Многие агентства недвижимости сталкиваются в работе с одними и теми же проблемами, в результате которых у них мало сделок. Для диагностики и решения типичных проблем мы составили краткий чеклист.

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    1. Нет целевых обращений

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    Для продвижения риелторских услуг недостаточно настроить рекламную кампанию. Важно постоянно анализировать ее результаты, следить за конверсией и своевременно вносить изменения. Если выбранная маркетинговая стратегия не работает, возможно, придется полностью ее поменять. Это можно сделать различными методами: подключить иные рекламные каналы, изменить визуальное оформление, настроить продвижение по другим ключевым словам. 

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    2. Звонки есть, а продаж нет

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    Если обращений много, а количество продаж не растет, необходимо провести аудит работы менеджеров компании. CRM-система фиксирует все входящие звонки и позже позволяет прослушать любой разговор. Проблема может быть в неправильном общении отдела продаж. Следует проверить, как менеджер описывает услуги агентства, выясняет потребности клиента, приглашает его на просмотр объектов.

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    3. Не получается отследить клиентский трафик

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    Несмотря на то, что многие агентства используют CRM-системы, они не всегда дают представление, из какого канала рекламной кампании пришел клиент. Но эту задачу можно решить, настроив сквозную аналитику. 

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    Приложения для маркетологов помогают просматривать воронку продаж от клика по рекламе до подписания договора купли-продажи. В результате вы увидите дашборд с оценкой конверсии по каждому этапу воронки.

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    Вывод

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    Чтобы наладить бизнес-процессы, необходимо понимать, как работает воронка продаж. Ее можно настроить с помощью метрик продаж, конкретных маркетинговых инструментов и правильного распределения бюджета. Сквозная аналитика позволит оценить результаты рекламной кампании, проследить весь путь клиента до сделки и понять, благодаря какому каналу была получена заявка.

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    Как можно увеличить доход от работы риелтором?

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    Участие в нашей партнерской программе может стать для вас новым источником дохода. Если вы присоединитесь к платформе Pampadu, то сможете продвигать страховые и банковские продукты наших партнеров.

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    Все действия в системе проходят онлайн: регистрация на сайте займет у вас не более 5 минут, оформление страхового полиса – не больше 15 минут. В личном кабинете агента вы найдете предложения партнерских программ от банков и страховых компаний. Сотрудничать с нами просто и выгодно!

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    Таргетинг - маркетинговый инструмент, который направляет и рекомендует рекламный контент конкретной ЦА. Он уменьшает «рассеяность» рекламы и делает ее более эффективной. Пампаду облегчает работу таргетологов с помощью удобных виджетов, реферальных ссылок, постбеков и API сервисов. 

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    Но если таргетинг плохо сработал или конверсия оказалась недостаточной, запускают ретаргетинг. 

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    Подробнее разберем, что это такое, как ретаргетинг сайта помогает вернуть потенциальных клиентов и облегчает работу арбитражника. 

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    Что такое ретаргетинг?

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    Ретаргетинг - это стратегия цифрового маркетинга, при которой рекламные сообщения направляются на пользователей, которые уже имели какое-либо взаимодействие с брендом, сайтом или продуктом, но не совершили конверсию - покупку, подписку и т.д.

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    Суть ретаргетинга в том, чтобы напоминать и поддерживать интерес пользователей, которые ранее посещали сайт, смотрели товар, но в итоге не воспользовались им. Для этого размещают рекламные объявления на других сайтах и платформах, которые посещают эти пользователи.

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    Проще говоря, ретаргетинг улучшает эффективность рекламных кампаний. Он нацелены на аудиторию, которая уже выразила интерес к продукту или услуге. Для арбитражника это возможность повысить трафик и его ценность.  

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    Базовый и расширенный ретаргетинг 

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    Базовый и расширенный - два разных уровня стратегий ретаргетинга. Рассмотрим разницу между ними и принцип работы. 

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    Базовый

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    Основная идея базового ретаргетинга: показывать рекламные баннеры «теплым» пользователям на других сайтах или платформах, которые они посещают, как бы возвращая их к идеи все же присмотреться к продукту или услуге. 

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    Расширенный

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    Расширенный ретаргетинг идет дальше. Он позволяет более глубоко и точно настроить рекламу на основе поведения пользователей на сайте. 

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    В чем это заключается:

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    Расширенный ретаргетинг открывает больше инструментов для взаимодействия с ЦА.

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    Статистические и динамический ретаргетинг - разница

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    Статический ретаргетинг использует набор однотипных рекламных объявлений для всей аудитории. В этом случае баннеры будут общими. 

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    Представим, что вы зашли в интернет-магазин с верхней одеждой. 

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    Перейдя на страницу с женскими пальто, таргет автоматически предложит объявление с сумками. А другой пользователь с этой же страницы перейдет в раздел с мужской верхней одежды. Для нее предусмотрены другие баннеры, например, с кожаными ремнями. 

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    Суть в том, что какой бы пользователь не перешел на одну из страниц, ему предложат либо сумки, либо ремни. Потому что баннеры не персонализированы и таргетируют тех, кто перешел на нужную страницу. Такой способ больше подходит для B2B-рынка. 

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    Динамический ретаргетинг создает более релевантные объявления. Баннеры адаптируются к действиям и интересам конкретного пользователя. Подходит бизнесу в B2C сегменте, где товар направлен на конечного потребителя. 

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    Стоимость ретаргетинговой кампании

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    Стоимость кампании зависит от модели оплаты: CPM или CPC. 

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    CPM (Cost Per Mille) - оплата идет за 1000 показов рекламного объявления. Даже если пользователь не нажимает на объявление или не выполняет конкретное действие, рекламодатель все равно платит за показы. 

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    CPM обеспечивает больший охват аудитории, поэтому используется для повышения узнаваемости бренда или компании. 

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    CPC (Cost Per Click) - оплата за каждый клик по рекламному объявлению. Рекламодатель платит только тогда, когда пользователь нажимает на объявление и переходит на целевой сайт. Главная цель CPC - привлечение трафика на сайт или лэндинг.

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    Как правило, клик ценится выше и оплачивается дороже, чем посещение. 

    \n\n\n\n

    Коротко:

    \n\n\n\n\n\n\n\n

    Ретаргетинг или ремаркетинг 

    \n\n\n\n

    Это два смежных термина, которые ошибочно считают равнозначными. Но это не совсем так. 

    \n\n\n\n

    Ретаргетинг - это вид ремаркетинга, который фокусируется на показе рекламы в интернете и на оналйн-платформах: на сайтах, в социальных сетях, поисковиках. Использует технологии отслеживания - ретаргетинговые пиксели. 

    \n\n\n\n

    Ремаркетинг - общий термин. Включает не только онлайн-рекламу, но и другие инструменты и каналы взаимодействия с «теплой» ЦА: email и SMS-рассылки, звонки, и т.д. 

    \n\n\n\n

    То есть ретаргетинг - это конкретный вид ремаркетинга, который ориентирован на показ рекламы на онлайн-платформах.

    \n\n\n\n

    Различие в терминах связано с контекстом. В большинстве случаев, когда говорят о ретаргетинге или ремаркетинге, имеют в виду одну и ту же стратегию - повторное воздействие на пользователей с целью повышения вероятности конверсий.

    \n\n\n\n

    Ретаргетинг в арбитраже 

    \n\n\n\n

    Ретаргетинг играет важную роль в стратегии арбитражников (CPA-маркетологов) и позволяет им оптимизировать рекламные кампании, увеличивать конверсии и максимизировать прибыль.

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    Почему ретаргетинг полезен: 

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    Как применить

    \n\n\n\n

    Пошаговая инструкция по настройке и использованию ретаргетинга в арбитраже:

    \n\n\n\n
    1. Подключить пиксели рекламных сетей. 
    2. Сегментировать и разделить ЦА по группам. 
    3. Для каждой группы разработать отдельные объявления, которые будут соответствовать их интересам. 
    4. Применить динамическую систему. 
    5. Создать лендинги и страницы продаж. 
    6. Настроить время и частоту показа объявлений. 
    7. Использовать перекрестные каналы: соцсети, e-mail-рассылки, и т.п. 
    8. Анализ результатов: как изменились охваты, показатели аудитории, увеличилась ли конверсия. 
    \n\n\n\n

    В заключении проведите A/B тестирование и определите, какие изменения сказались на целевом показателе. 

    \n\n\n\n

    Помните про жизненный цикл продаж: не все пользователи сразу совершают конверсию. Рассчитывайте на периодический ретаргетинг. 

    \n\n\n\n

    О Пампаду

    \n\n\n\n

    Пампаду - это бесплатная онлайн-платформа для всех, кто хочет дополнительно зарабатывать на партнерских программах и финансовых продуктах. 

    \n\n\n\n

    Подойдет для:

    \n\n\n\n\n\n\n\n\n\n\n\n

    С нами 22 000 пользователей, которые заработали 556 млн рублей. Работают как новички, так и профессионалы. Начать можно без опыта и специальных знаний. 

    \n\n\n\n

    Плюсы работы с Пампаду:

    \n\n\n\n\n\n\n\n

    Все расчеты, покупки и подробная информация о продукте доступны в личном кабинете - вам не нужно держать в голове кучу информации. Зарегистрируйтесь на Пампаду и начните зарабатывать!

    \n', 'Ретаргетинг: что это и как работает в арбитраже трафика', 'Ретаргетинг как маркетинговый инструмент: что это и как работает в арбитраже. Разница между ретаргетингом и ремаркетингом. Как эффективно использовать ретаргетинг для повышения трафика и охватов. ', 'publish', 'open', 'open', '', 'retargeting-chto-eto-i-kak-rabotaet-v-arbitrazhe-trafika', '', '', '2023-08-17 16:35:20', '2023-08-17 16:35:20', '', 0, 'https://pampadu.ru/blog/?p=3509', 0, 'post', '', 0), (3510, 1, '2023-08-17 16:33:28', '2023-08-17 16:33:28', '', '1030х502-1 (12)', '', 'inherit', 'open', 'closed', '', '1030h502-1-12-2', '', '', '2023-08-17 16:33:28', '2023-08-17 16:33:28', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-1-12.jpg', 0, 'attachment', 'image/jpeg', 0), (3512, 13, '2023-08-17 16:40:23', '2023-08-17 16:40:23', '\n

    Арбитраж бот – это незаменимый инструмент для работы арбитражников. С помощью этих мини-программ можно перевести на автоматический режим рутинные задачи. Это сэкономит время и даст сосредоточиться на выполнении других задач.

    \n\n\n\n

    В этом году эксперты компании «Пампаду», посредством которой вы можете продавать свои финансовые продукты, столкнулись с необходимостью применения телеграм-ботов как инструмента увеличения продаж бизнеса наших клиентов. Мы заинтересованы в вашей прибыли, поэтому подготовили для вас специальное исследование. 

    \n\n\n\n

    Что такое телеграм-бот

    \n\n\n\n

    Боты для арбитража – это программы, которые разработаны для выполнения автоматических задач. Telegram-бот будет полезным в бизнесе, маркетинге, образовании и развлечениях. Он помогает делать простые задачи, улучшить взаимодействие с пользователями, предоставить необходимую информацию.

    \n\n\n\n

    Функции телеграм-ботов:

    \n\n\n\n\n\n\n\n

    Это часть задач, которые выполняют телеграм-боты. Способности и функционал ботов зависят от их разработки и настроек.

    \n\n\n\n

    Боты для креативов

    \n\n\n\n

    Боты в Telegram для создания креативов – инструмент для разработки и редактирования графических материалов, которые используются в рекламных кампаниях, социальных сетях и других медийных платформах. Этого типа боты для арбитража выполняют такие функции:

    \n\n\n\n\n\n\n\n

    Роботы для креативов полезны для дизайнеров, маркетологов и всех, кто нуждается в ускоренном создании качественных графических материалов. Они помогают сэкономить время и ресурсы, а также повысить профильный уровень и креативность в работе.

    \n\n\n\n

    Боты для приема SMS

    \n\n\n\n

    Боты для приема SMS в Telegram делают автоматическим процесс получения и отправки SMS, упрощают коммуникацию с клиентами и повышают результат работы. Они предоставляют виртуальные номера телефонов, на которые отправляются SMS. Когда SMS-сообщение отправляется на виртуальный номер, бот автоматически получает его и отображает в чате Telegram.

    \n\n\n\n

    Роботы дают отправлять SMS-сообщения с виртуальных номеров на реальные телефоны. Пользователь должен ввести текст сообщения и указать номер телефона получателя, и бот отправит SMS на указанный номер.

    \n\n\n\n

    Боты дают настраивать фильтры и правила для обработки полученных SMS-сообщений. Например, настроить автоматическое удаление сообщений с определенными фразами-ключами или перенаправление сообщений на другие чаты или платформы.  

    \n\n\n\n

    Помощники интегрируются с другими сервисами, такими как CRM или мессенджеры, для обработки входящих SMS. Например, настроить автоматическую постановку задачи в CRM при получении нового SMS-сообщения.

    \n\n\n\n

    Боты для получения временных почтовых адресов

    \n\n\n\n

    Боты для арбитража, что предоставляют возможность создания временных электронных адресов, которые можно использовать для регистрации на сайтах или приема писем без раскрытия личной информации. Они автоматически получают письма, отправленные на временный адрес, и отображают их в Telegram, что обеспечивает приватность при работе с электронной почтой.

    \n\n\n\n

    У подобных роботов есть ряд достоинств:

    \n\n\n\n
    1. Дают сохранять личную информацию в тайне, так как адреса не связаны с реальными данными пользователя.
    2. Временные адреса предотвращают получение нежелательной почты или спама на основной почтовый ящик.
    3. Дается возможность создания и использования временных адресов в мессенджере Telegram, что упрощает процесс.
    4. Автоматически получают письма на временный адрес, и отображают их в мессенджере, что дает легко просматривать и контролировать полученные сообщения.
    5. Временные почтовые адреса используются для регистрации на недоверенных сайтах или сервисах, минимизируя риск утечки личных данных.
    \n\n\n\n

    Боты для работы с доменами

    \n\n\n\n

    Такой бот для арбитража помогает регистрировать новые домены, управлять DNS-записями, настраивать перенаправления. Также можно изменять информацию о владельце и контактных данных, получать уведомления о сроках истечения регистрации. Благодаря ботам, процесс работы с доменами становится автоматическим, удобным и результативным.

    \n\n\n\n

    Боты для аналитики

    \n\n\n\n

    Аналитика – центровая часть работы арбитражника трафика. Роботы для аналитики помогут сделать автоматическим сбор и анализ данных, отслеживать выбранные метрики и получать своевременные отчеты о состоянии кампаний. Это поможет принимать осознанные решения и повышать результат работы.

    \n\n\n\n

    Другие боты

    \n\n\n\n

    В дополнение к перечисленным ботам есть другие роботы для арбитража, полезные для арбитражного трафика. Некоторые из них делают автоматическими процессы закупки и продажи трафика, позволяют проводить анализ конкурентов, управлять репутацией в сети и многое другое. Выбор бота зависит от конкретных потребностей и целей. В зависимости от бизнеса могут потребоваться:

    \n\n\n\n\n\n\n\n

    О сервисе Пампаду

    \n\n\n\n

    Пампаду – это удобная платформа онлайн-страхования для агентов, брокеров и всех, кто хочет зарабатывать на оформлении полисов. Размер вознаграждения – один из самых высоких на рынке. Сотрудники помогут найти клиентов и заключить договоры страхования.

    \n\n\n\n

    Вот некоторые преимущества платформы:

    \n\n\n\n
    1. Бесплатная регистрация и использование.
    2. Расширенный выбор полисов страхования.
    3. Вознаграждение за каждый полис.
    4. Легкое оформление полисов.
    5. Круглосуточная поддержка клиентов.
    \n\n\n\n

    Пампаду – это платформа для заработка на финансовых офферах. Это онлайн-сервис страхования, который доступен для всех. Его создатели имеют опыт работы в оффлайн-продаж страховых продуктов и приложили усилия к тому, чтобы сделать платформу полезной для вас.

    \n', 'Телеграм-боты: подборка ботов для арбитражников трафика', 'Для развития бизнеса требуется специальный арбитраж бот. Такое решение делает автоматическими важные задачи. Специалисты «Пампаду» провели исследование и выбрали варианты, подходящие для отдельных случаев.', 'publish', 'open', 'open', '', 'telegram-boty-podborka-botov-dlya-arbitrazhnikov-trafika', '', '', '2023-08-17 16:40:23', '2023-08-17 16:40:23', '', 0, 'https://pampadu.ru/blog/?p=3512', 0, 'post', '', 0), (3513, 1, '2023-08-17 16:38:30', '2023-08-17 16:38:30', '', '1030х502-3 (12)', '', 'inherit', 'open', 'closed', '', '1030h502-3-12', '', '', '2023-08-17 16:38:30', '2023-08-17 16:38:30', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-3-12.jpg', 0, 'attachment', 'image/jpeg', 0), (3515, 13, '2023-08-17 16:44:32', '2023-08-17 16:44:32', '\n

    В условиях постоянного развития цифровых технологий и усиления конкуренции в сфере интернет-маркетинга, правила маркировки рекламы играют все более значимую роль. В 2023 году арбитражникам придется столкнуться с новыми требованиями и ограничениями, которые непременно повлияют на их деятельность.

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    Маркировка рекламного контента: что это

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    Реклама – это информация, отвечающая следующим критериям:

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    Формат сведений может быть текстовым, видео или аудио, в качестве сообщений в мессенджерах, постов в соцсетях.

    \n\n\n\n

    Маркировка рекламы – это процесс добавления специальных обозначений (токенов, идентификаторов) к рекламному контенту (РК), которые позволяют идентифицировать его как рекламу. Она необходима для того, чтобы отличить коммерческое предложение от остального контента. Это одно из требований закона о маркировке рекламы 2023 года (ФЗ №347 от 01.09.2022).

    \n\n\n\n

    Цель маркировки – предотвращение заблуждения или обмана потребителей. Благодаря идентификации, люди смогут отделить коммерческие предложения от простого контента.

    \n\n\n\n

    ФЗ №347 затрагивает:

    \n\n\n\n\n\n\n\n

    Маркируется весь РК: и тот, который размещен на собственной странице, и тот, который расположен на сторонних ресурсах.

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    Что подлежит идентификации

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    В 2023 году арбитражникам, в первую очередь, стоит обратить внимание на онлайн-рекламу.

    \n\n\n\n

    Интернет предлагает множество форматов и все базовые должны быть идентифицированы.

    \n\n\n\n

    К ним относятся:

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    Маркировка РК в социальных сетях обязательна. Если арбитражник публикует рекламный пост или видеоролик, то он должен указать, что материал информирует о товаре или услуге и имеет коммерческую цель.

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    Важно учитывать новые требования к маркировке в мессенджерах. Один из форматов рекламы представляет собой маркетинговые сообщения, которые отправляются пользователям через мессенджеры. Теперь необходимо указывать, что сообщение является рекламным и содержит информацию о предлагаемом товаре или услуге.

    \n\n\n\n

    Нарушение требований закона о маркировке рекламы 2023 года может повлечь за собой серьезные последствия для арбитражника. Государственные органы и организации защиты прав потребителей контролируют соблюдение правил и готовы в случае нарушений применять наказания в виде штрафных санкций.

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    Что можно не маркировать

    \n\n\n\n

    Ряд категорий освобожден от обязательной маркировки. К ним относятся push-уведомления и email-рассылки о собственной продукции, а также теле и радиореклама, которая в сети дублируется без изменений (если сравнивать с первоисточником).

    \n\n\n\n

    Участниками процесса являются:

    \n\n\n\n\n\n\n\n

    Заказчик отвечает за содержание, выбирает ОРД и передает информацию в ЕРИР. Агентство может оказать помощь в обработке и размещении, взять на себя функции посредника или выступить в качестве ОРД.

    \n\n\n\n

    Владелец площадки следит за наличием идентификатора, передает данные в ЕРИР, а ОРД создает токены. ОРД владеет программным обеспечением, позволяющим маркировать объявления в любом их виде.

    \n\n\n\n

    Единый реестр интернет-рекламы (ЕРИР) представляет собой механизм учета и контроля размещения РК в интернете. Контролируется Роскомнадзором (РКН). 

    \n\n\n\n

    Как запускать рекламу в 2023 году

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    Маркировка рекламы с 1 сентября 2023 года – обязательная процедура. Ее игнорирование приведет к серьезным штрафам. 

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    Алгоритм запуска представляет собой следующую последовательность операций:

    \n\n\n\n\n\n\n\n

    При возникновении неполадок или проблем владелец всегда может обратиться для их устранения в паблишеру или оператору.

    \n\n\n\n

    Все рекламные материалы должны быть ясно помечены соответствующими обозначениями. В 2023 году многие платформы пересмотрели свои алгоритмы с целью более точной фильтрации и классификации РК. Арбитражникам стоит учесть это.

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    Как правильно маркировать рекламу

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    Какие элементы включены в маркировку рекламы? В первую очередь, метка и токен. Также должен быть указан рекламодатель.

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    Базовые требования:

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    Размер и расположение метки определяет медиа.

    \n\n\n\n

    Рекламодатель указывается в виде названия компании, товарного знака, данных ОГРН или ИНН. При использовании товарного знака важно, чтобы в нем использовалось название  компании-рекламодателя, иначе возможны разночтения закона.

    \n\n\n\n

    Токен представляет собой идентификатор в виде буквенно-цифрового кода. Его получают ОРД при регистрации креатива. Идентификатор вписывается в URL ресурса.

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    Где получить токен и куда его размещать

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    Перечень ОРД размещен на онлайн-ресурсе Роскомнадзора. Прежде чем выбрать оператора стоит проанализировать все предложения. В период тестового режима большинство ОРД работают бесплатно. Затем вводится абонплата. Последняя законодательно не регулируется, но ФАС следит за ее размерами.

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    ОРД выдают токены почти сразу после оформления запроса. Для этого им необходимо предоставить данные договора и информацию о РК. Последняя представляет собой сведения о креативе, описание продукта, форматы распространения тип рекламной кампании и URL целевой ссылки.

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    ОРД 

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    Оператор рекламных данных (ОРД) — сервис, собирающий сведения о сторонах рекламной цепочки и передающий ее в ЕРИР.

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    Базовые функции:

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    Заключать договор на маркировку интернет-рекламы в 2023 году необходимо рекламным агентствам и площадкам, сетям (пример, Яндекс Директ), блогерам. Это могут быть юрлица, ИП, физлица.

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    В перечень, утвержденный Роскомнадзором, входят 7 операторов, включая ОРД Сбера, Yandexи Озона, а также ВымпелКома и VK. Планируется, что со временем список пополнится. 

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    При размещении РК в Яндексе, ВКонтакте или Озоне рекламодатель автоматически пользуется услугами их собственных ОРД. При этом они не работают с материалами, размещаемыми на сторонних площадках.

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    Нюансы составления договора

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    Маркировка на креатив наносится до момента выхода РК в сеть. В договоре прописывается, кто ее делает: заказчик или распространитель. Все участники отчитываются в ЕРИР, однако чаще всего эта функция отдается агентствам.

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    Так как шаблона договора нет, то рекомендуется пописывать в договоре следующие моменты:

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    Чаще всего все это входит в задачи исполнителя.

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    Чем грозит отказ от предоставления сведений в ЕРИР

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    Непредставление сведений, а также отсутствие токена может привести к проблемам. Штрафы за отсутствие маркировки рекламы 2023 году составляют от 100 до 500 тысяч рублей. Пропуск даты подави информации в ЕРИР или опоздание пока, что не штрафуются. Однако Роскомнадзор уже работает над этим моментом. 

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    О сервисе

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    Пампаду – российский сервис, предлагающий предлагает выбор офферов российских банков, а также ряд инструментов для привлечения трафика для арбитражников.

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    Преимущества сервиса:

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    Сервис разработан для риелторов, страховых агентов, брокеров, а также блогеров, вебмастеров и арбитражников. Регистрация производится быстро, без заминок. Работать в Пампаду могут как профессионалы, так и новички, делающие первые шаги на этой стезе. 

    \n', 'Маркировка рекламы: все что нужно знать арбитражнику в 2023 году', 'Маркировка рекламного контента: что необходимо знать арбитражнику в 2023 году? Новый закон: правила, требования, последствия нарушений', 'publish', 'open', 'open', '', 'markirovka-reklamy-vse-chto-nuzhno-znat-arbitrazhniku-v-2023-godu', '', '', '2023-08-17 16:44:32', '2023-08-17 16:44:32', '', 0, 'https://pampadu.ru/blog/?p=3515', 0, 'post', '', 0), (3516, 1, '2023-08-17 16:42:43', '2023-08-17 16:42:43', '', '1030х502-4 (13)', '', 'inherit', 'open', 'closed', '', '1030h502-4-13-2', '', '', '2023-08-17 16:42:43', '2023-08-17 16:42:43', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-4-13.jpg', 0, 'attachment', 'image/jpeg', 0), (3518, 13, '2023-08-17 16:52:19', '2023-08-17 16:52:19', '\n

    Приложение теперь можно разработать, не нанимая специалиста. Останутся ли нужны программисты в новых реалиях и зачем no-code арбитражнику, расскажет команда ПамПаду.

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    Вебмастерам, стартаперам и арбитражникам теперь не нужно учить программирование, достаточно будет изучить возможность создания сайтов без разработки кода — no code, что это и сложно ли это.

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    Что такое no code и low code

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    Платформы no code и low code — что это? Это места разработки программного обеспечения, позволяющие разработчикам перетаскивать компоненты приложений, соединять их между собой и создавать мобильные или веб-приложения. Эти платформы часто рассматриваются как синонимы методов разработки, которые они воплощают.

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    Программа для создания приложений \"без кода\" — это программное обеспечение для разработки, помогающее пользователям создавать лендинги без необходимости написания кода. Изначально разработанный для команд, не имеющих опыта работы с кодом, этот тип разработки позволяет пользователю создавать полнофункциональные приложения с помощью простого визуального редактора.

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    Чтобы объяснить, что это такое — no code, нужно представить конструктор, который собирается из уже готовых составных частей. Интерфейс конструктора сайтов ноукод позволяет перетаскивать предварительно закодированные элементы в нужное место, а код следует за ними. Дело не в том, что кода нет, а в том, что элементы уже созданы заранее. А вы указываете, куда им двигаться, куда встать. При наличии облачных электронных таблиц, в которых хранятся данные, и представления о том, как вы хотите отображать эту информацию, все удивительно просто. Вы создадите приложение в кратчайшие сроки

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    Отличия low code от no code

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    Переводя с английского, no-code не требует никаких знаний кода, а low-code требует, но все же не в таком объеме, как при стандартном программировании. Специалисты с базовыми знаниями кодирования построят страницу на такой платформе.

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    Приложения no code загружаются быстрее, их проще сделать, проще отладить. Но low code дает больше возможностей и осуществляет более сложные проекты, не требуя при этом углубленных знаний программирования. Оба подхода необходимы и выбирать их нужно в зависимости от заданной цели.

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    Кому это полезно

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    Модульные подходы Low-code и No-code помогают профессиональным разработчикам быстро создавать сайты, избавляя их от необходимости писать код строка за строкой. Кроме того, они позволяют создавать и тестировать приложения бизнес-аналитикам, офисным администраторам, владельцам малого бизнеса и другим людям, не являющимся разработчиками программного обеспечения. Эти люди могут создавать IT-продукты, практически не зная традиционных языков программирования, машинного кода или разработок, лежащих в основе конфигурируемых компонентов платформы.

    В любом случае они видят удобный графический интерфейс пользователя (GUI), с помощью которого они могут объединять компоненты и программные интерфейсы приложений (API) сторонних разработчиков. Создатели лендингов могут переставлять и тестировать модули до тех пор, пока проект не будет работать так, как ожидается.

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    Рост числа таких платформ обусловлен нехваткой квалифицированных разработчиков программного обеспечения и необходимостью увеличения времени выполнения проектов разработки для быстрого решения бизнес-задач.

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    Особенно стоит отметить стартаперов, которые зачастую не располагают достаточными средствами, чтобы нанять полную команду разработчиков. Выбирая ноу-код подход, стартаперы экономят время и деньги.

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    Отдельную ценность такой подход несет арбитражникам, которые не всегда владеют навыками программирования и часто самостоятельно не способны на создание лендингов. Это возможность быстрой разработки приложений для рекламных кампаний, которая не ударит по бюджету. Арбитражники могут легко продвигать любой товар или услугу с помощью созданных с no-code лендингов.

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    Как решиться на no code в своей компании

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    Выбирая работу с no code платформой, определитесь, будете ли вы искать разработчика со стороны или разбираться сами. Если вам нужны готовые ноукодеры, их найти так же просто, как и маркетолога или менеджера— выкладывая вакансию на HeadHunter или просматривая их на Хабре. Помните — no code платформы — это новинка для наших реалий, поэтому не стоит искать ноукодера с 10-летним опытом. Тут стоит рассмотреть новичка, если он готов показать свое портфолио, пусть и небольшое.

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    Весь процесс внедрения ноукода будет выглядеть так:

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    В процессе нет ничего сложного, однако необходимо учитывать, что no code платформы упрощают жизнь, но не гарантируют идеальный результат без багов с первого раза, на отладку системы может потребоваться время. 

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    Плюсы такого подхода

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    Низкий барьер для входа — один из привлекательных моментов, связанных с разработкой приложений без кода. Другие плюсы ноукода:

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    Единственный минус — высокотехнологичные продукты все же лучше создавать традиционным методом. Но для арбитражников этот подход будет самым оптимальным.

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    Платформы для создания проектов

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    Существуют несколько сервисов для разработки приложений и страниц. Лучшие из них интуитивно просты и понятны:

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    Чтобы выбрать наиболее подходящую платформу приложения no code, стоит попробовать их все в бесплатном режиме. На данный момент у всех трех платформ есть проблема — они не принимают российские карты, поэтому можно оформить виртуальную зарубежную. Либо воспользоваться российскими сервисами — Бипиум, похожий на Airtable, и Creatium, который сам был создан на таком же конструкторе.

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    No code – новинка, которая однозначно облегчит жизнь малому и среднему бизнесу, давая возможность осуществить свои проекты быстрее с минимумом затрат.

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    О сервисе 

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    ПамПаду — это платформа для онлайн заработка на продаже страховых и финансовых продуктов. Не нужно иметь профильного опыта или образования для регистрации.

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    Можно работать онлайн откуда угодно, продавая полисы ОСАГО или дебетовые карты. Также доступны другие продукты:

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    Более 30 человек команды ежедневно пишут и тестируют строчки кода, выплачивают заработки агентам, помогают новичкам начать продавать. 

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    Опытный арбитражник постоянно расширяет свои компетенции, изучая новые инструменты и возможности их использования в своей работе. Сервис «Пампаду» предоставляет арбитражникам множество инструментов для монетизации онлайн-площадок: реферальные программы, постбеки, виджеты. Рассмотрим подборку расширений и плагинов, которые помогут увеличить результативность работы арбитражника.

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    Использование плагинов и расширений для арбитража существенно ускоряет работу и повышает показатели прибыли. Они автоматизируют процессы, отслеживают показатели конкурентов, проводят анализ рынка. Рассказываем, какие плагины помогут улучшить работу арбитражников.

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    Расширения для арбитража: что это и зачем нужны

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    Расширения для арбитража – это мини-программы, которые могут выполнять часть рутинных процессов, а также добавлять новые функции или элементы на сайт. Для арбитражника они, в первую очередь, полезны тем, что упрощают процесс поиска, анализа и оптимизации рекламных кампаний (РК).

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    Эти программы помогают сэкономить время при работе с рекламными площадками. Например, расширение для автоматического заполнения форм позволяет быстро создавать аккаунты на новых площадках без необходимости каждый раз вводить одни и те же данные. С помощью них можно автоматизировать процесс загрузки объявлений на площадку или изменения ставок.

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    Ряд плагинов собирают и анализируют информацию об объявлениях конкурентов. Они отслеживают изменения в их рекламных кампаниях, выявлять успешные стратегии и используют полученную информацию для оптимизации своих кампаний. С помощью расширений можно настроить автоматическое отключение малоэффективных объявлений или изменение ставок в зависимости от заданных параметров.

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    Расширения предлагают инструменты для мониторинга и анализа результатов кампаний. Они в реальном времени отслеживают показатели CTR, конверсии и ROI, представляют детальные отчеты о результативности используемых рекламных материалов. 

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    Все это позволяет арбитражнику оперативно выявлять успешные объявления и стратегии, а также находить возможности для их оптимизации.

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    ТОП расширений и плагинов

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    Следующие расширения и плагины призваны упростить бизнес- процессы и управление рекламными кампаниями.

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    Расширение для анализа рекламных кампаний. Оно позволяет отслеживать лендинги и офферы конкурентов, а также анализировать их трафик и доходность. AdPlexity помогает выявить рабочие стратегии продвижения и выбирать перспективные вертикали.

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    Трекером, предоставляющий полную информацию о происходящем в рекламных кампаниях. Отслеживает все базовые параметры (количество кликов, конверсий, доходность и ROI).используется как инструмент. Обладает широким функционалом для оптимизации РК.

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    Предназначен для мониторинга рекламной активности на различных площадках. Вычисляет офферы и креативы, используемые конкурентами, отслеживает их трафик и показателями работы. SpyOver выявляет тенденции на рынке и предлагает готовые решения для РК.

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    SEO-плагин, собирающий информацию о поисковой оптимизации сайтов-конкурентов. Проводит анализ ключевиков, проверяет ссылочный профиль сайта, получает данные об объеме поискового трафика. Ahrefs определяет рабочие стратегии продвижения и продвигает сайт в поисковиках.

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    Позволяет создавать лендинги без навыков программирования или веб-дизайна. Landing помогает делать продающие страницы, оптимизированные под цели рекламной кампании

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    Формирует аналитику по сайту (позиции на странице поиска, источники трафика). Как и SpyOver проводит анализ конкурентов, их лендингов, дает оценку ресурсов на предмет эффективности рекламы.

    \n\n\n\n\n\n\n\n

    Аналитик проблем (низкая конверсия, отсутствие индексации). Систематизирует информацию по числу посещений, времени сессий, источникам трафика. 

    \n\n\n\n\n\n\n\n

    Плагин для скачивания видеороликов и аудиодорожек из соцсетей и не только. Используется не только арбитражниками, но и многими пользователями.

    \n\n\n\n\n\n\n\n

    Дает оценку площадке, на которой будет размещена реклама. Оценивает, исходя из уникальности контента, интерфейса сайта, показателей SEO, количества отказов.

    \n\n\n\n\n\n\n\n

    Расширения для арбитража FB. Работает с банами в Facebook. Учитывая невнятность оснований бана в большинстве случаев, плагин позволяет выявить причину и устранить ее. 

    \n\n\n\n\n\n\n\n

    Инструмент для выявления ошибок в орфографии, стилистике и грамматике в 25 языках. Полезен при работе с разными ГЕО.

    \n\n\n\n\n\n\n\n

    Создает utm-ссылки, позволяющие анализировать трафик. Вводит новые или редактирует уже имеющиеся шаблоны по показателям, необходимым для отслеживания.

    \n\n\n\n\n\n\n\n

    Расширения для арбитражников, создающих кампании email-маркетинга. Плагин сохраняет входящие рекламные письма, которые затем можно редактировать под свои офферы или использовать идеи из них. 

    \n\n\n\n\n\n\n\n

    Множество открытых и используемых ссылок уменьшают оперативную память. OneTab организует все ссылки в таблицу или список и избавляется от ненужных.

    \n\n\n\n\n\n\n\n

    Делает анализ SEO-параметров (заспамленностьанкорами, тошнота). Используется для формирования статей и рекламных объявлений с анкорами.

    \n\n\n\n

    О сервисе 

    \n\n\n\n

    Сервис Пампаду предлагает выбор офферов ведущих российских банков, а также ряд инструментов для арбитражников.

    \n\n\n\n

    Преимущества сервиса:

    \n\n\n\n\n\n\n\n

    Сервис будет интересен риелторам, брокерам, агентам, блогерам, вебмастерам. Работать на нем могут как профессионалы, так и новички, ищущие возможности дополнительного дохода. 

    \n', 'Подборка расширений и плагинов для арбитража', 'Что собой представляет расширение для арбитражников. Зачем нужны плагины и какие программы востребованы. ', 'publish', 'open', 'open', '', 'podborka-rasshirenij-i-plaginov-dlya-arbitrazha', '', '', '2023-08-17 16:55:48', '2023-08-17 16:55:48', '', 0, 'https://pampadu.ru/blog/?p=3521', 0, 'post', '', 0), (3522, 1, '2023-08-17 16:54:45', '2023-08-17 16:54:45', '', '1030х502-6 (9)', '', 'inherit', 'open', 'closed', '', '1030h502-6-9', '', '', '2023-08-17 16:54:45', '2023-08-17 16:54:45', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-6-9.jpg', 0, 'attachment', 'image/jpeg', 0), (3524, 13, '2023-08-17 16:59:02', '2023-08-17 16:59:02', '\n

    На финансовых офферах можно хорошо заработать. В них входят: кредитные и дебетовые карты, микрозаймы, страховые продукты и многое другое. Партнерский сервис Pampadu платит веб-мастерам и арабитражникам вознаграждение за привлечение трафика.

    \n\n\n\n

    Если вы хотите получать доход с финансовой вертикали, то должны знать, как лить на финансовые офферы. Об этом и других важных моментах читайте в статье.

    \n\n\n\n

    Что такое микрофинансы и финансовые офферы в арбитраже

    \n\n\n\n

    Финансы — это доходная вертикаль в арбитраже трафика. Особенно популярны офферы от МФО, так как клиентов на них много, а заявки одобряют часто.

    \n\n\n\n

    Микрофинансовые офферы — это предложения МФО на выдачу микрозаймов.

    \n\n\n\n

    В МФО обращаются студенты, пенсионеры и работающие люди, которым не хватает денег до зарплаты. Банки отказывают им в выдаче кредитов, так как считают неплатежеспособными. К тому же, на рассмотрение заявки уходит до четырнадцати рабочих дней, а одобрение приходит не всегда.

    \n\n\n\n

    Получить микрозайм в МФО намного легче: клиент направляет анкету, а решение по ней приходит за 10-15 минут. При этом неважно, есть ли у человека официальная работа: займ можно получить и без нее. Поэтому веб-мастера могут зарабатывать через предложения МФО быстрее и проще.

    \n\n\n\n

    Финансовые офферы — это продукты, связанные с брокерством, финансированием, деньгами, ценными бумагами и криптовалютой. С них можно зарабатывать больше, чем с МФО.

    \n\n\n\n

    Что такое «финансовый оффер»? Как работают финансовые офферы?

    \n\n\n\n

    Финансовые офферы пользуются спросом. Они представляют собой предложения по выдаче микрозаймов, кредитов, кредитных карт и оказанию финансовых услуг. 

    \n\n\n\n

    Заработать с каждого финансового оффера можно несколько тысяч рублей. Однако довести клиента до заявки порой непросто.

    \n\n\n\n

    Чтобы человек воспользовался услугой, он должен заинтересоваться ею. Поэтому финансовым организациям необходима реклама. Чтобы привлечь новых клиентов, они платят веб-мастерам, направляющим на них свой трафик. Вознаграждение выдается в виде процента от суммы финансовой услуги, используемой клиентом, или в фиксированном размере.

    \n\n\n\n

    Большинство банков и МФО не сотрудничает с веб-мастерами напрямую, а обращается в партнерки, предоставляющие хороший трафик. Арбитражники тоже работают с партнерскими сервисами, так как это гарантирует им выплату вознаграждения. К тому же, некоторые партнерки имеют другие преимущества, позволяющие заработать быстрее, например, сервис Пампаду предоставляет каждому агенту опытного наставника.

    \n\n\n\n

    Виды финансовых офферов в арбитраже трафика

    \n\n\n\n

    Существуют следующие виды финансовых офферов:

    \n\n\n\n\n\n\n\n

    Как лить на финансовые офферы? Популярные источники трафика под МФО

    \n\n\n\n

    Существует много источников трафика под МФО. Рассмотрим самые известные:

    \n\n\n\n
    1. Контекстная реклама — надежный, но затратный способ продвижения офферов. Чтобы найти через него клиентов, надо уметь работать с контекстом. Желательно иметь сайт с контентом под МФО.
    \n\n\n\n

    Продвигая микрозаймы, надо учитывать низкочастотные запросы. Чтобы работать эффективнее, можно попросить в партнерке набор семантики. 

    \n\n\n\n
    1. Финансовые витрины. Они представляют собой каталог из нескольких предложений. Клиент сам выбирает подходящий продукт. Если он заинтересован в услуге, то купит ее. 
    \n\n\n\n

    Витрину можно сделать самому или взять шаблон у партнера. Лучше использовать партнерские витрины, так как финансовые партнерки внимательно относятся к их оптимизации. В каталоге можно разместить несколько офферов.

    \n\n\n\n

    Витрины создают на форумах, сайтах или группах в социальных сетях. Чтобы заинтересовать аудиторию, нужно найти привлекательное визуальное решение. Для увеличения органического трафика надо регулярно публиковать интересный контент и прорабатывать негатив.

    \n\n\n\n
    1. Приложения под МФО — сравнительно новый способ продвижения офферов. Он заключается в том, что в арбитражном WebView-приложении размещают браузер с целевым сайтом (обычно витриной). Модератор видит прилу как развлекательное, новостное или финансовое приложение для смартфона, а по факту направляет человека на витрину финансовых предложений.
    \n\n\n\n

    Способ хорош тем, что упрощает модерацию рекламы и позволяет веб-мастеру подтолкнуть пользователей к услуге через определенные инструменты. К тому же, приложение обычно остается  на смартфоне и периодически напоминает о себе через push-уведомления с выгодными предложениями. 

    \n\n\n\n

    Минус прилы в том, что создать ее недешево, а еще нужно покупать дополнительные инструменты, например, прокси. Кроме того, она долго проходит  модерацию в магазинах приложений и, если попадает в бан, то приходится создавать ее сначала.

    \n\n\n\n
    1. Реклама в социальных сетях. Чтобы продвигать офферы, применяют таргетированную рекламу и публикации в группах. Многие организации не ведут страницы в соцсетях, что позволяет веб-мастеру рекламировать их услуги.
    \n\n\n\n

    Прежде чем запускать рекламу через Ads-кабинет, нужно убедиться, что оффер соответствует правилам социальной сети. Собирать органический трафик лучше в раскрученном паблике.

    \n\n\n\n
    1. Email-рассылки. Проблемный способ, так как люди часто игнорируют спам. Чтобы привлекать клиентов, нужно определить целевую аудиторию. Обычно она указывается в карточке оффера. От соответствия клиента требованиям МФО зависит, дадут ли ему микрозайм.
    \n\n\n\n

    Рекламировать можно сразу несколько финансовых офферов, делая пользователям выгодные предложения: акции, скидки, кэшбэки.

    \n\n\n\n

    Сложности в работе с финансовыми офферами

    \n\n\n\n

    Финансовые услуги предлагают многие организации, поэтому главная задача — заинтересовать клиента. Для этого нужно знать, как лить на финансы. Изучив информацию, арбитражник может столкнуться с другими трудностями, в числе которых:

    \n\n\n\n
    1. Высокая конкуренция. Хорошо зарабатывать хотят многие, поэтому пробиться по высокочастотным запросам сложно, а простые способы уже не работают. Соответственно, для работы в финансовой вертикали нужна практика в другой сфере или помощь опытного наставника.
    2. Плохая работа колл-центра. От него зависит, будет ли арбитражник получать доход. Даже если он нашел хороший источник трафика, но КЦ пропускает заявки пользователей, то прибыли не будет. Поэтому важно выделять финансы на тесты и контролировать обработку трафика.
    3. Запреты на некоторые источники. Работая с финансами, нужно внимательно изучить карточку оффера, так как выбор неправильного трафика может выйти боком. Так, контекстная реклама на бренд обычно запрещена, а рекламные сети часто не пропускают предложения микрозаймов или бинарных опционов.
    4. Необходимость контролировать и наладить работу с аудиторией. Чтобы финансовые офферы приносили доход, нужно отслеживать поведение и потребности аудитории, быть в курсе изменений закона, следить за новшествами в работе поисковых систем и рекламных сетей.
    5. Мало мероприятий для МФО-мастеров. Посещать их — это все равно, что пролить свет на финансовую вертикаль. Если использовать полученную информацию с пользой, то можно повысить доход. При правильном подходе офферы МФО могут приносить десятки тысяч рублей ежемесячно.
    \n\n\n\n

    О сервисе Пампаду

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    Если вы хотите знать, как лить на финансовые офферы в 2023 году, и хорошо зарабатывать, регистрируйтесь на сервисе PAMPADU. С нами свой доход увеличили уже 22 000 пользователей. Они заработали больше полумиллиарда рублей.

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    Преимущества Пампаду:

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    PAMPADU — это бесплатная онлайн платформа, на которой может зарабатывать любой желающий. Она походит и новичкам, и профессионалам.

    \n\n\n\n

    Регистрируйтесь и начинайте получать доход уже сегодня!

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    Платформа партнерских программ Пампаду открыта к сотрудничеству с риелторскими компаниями. Мы постоянно стремимся расширять сеть партнеров и совершенствоваться вместе с вами.

    \n\n\n\n

    Не каждый начинающий предприниматель знает, как открыть агентство недвижимости. Будущему владельцу риелторской конторы предстоит решить юридические вопросы и совершить определенные шаги. Мы подготовили для вас пошаговое руководство на эту тему.

    \n\n\n\n

    Открытие агентства недвижимости: о чем стоит подумать заранее

    \n\n\n\n

    Чтобы основать риелторскую контору не требуются никакие специальные разрешения: оформление лицензии в данной отрасли деятельности не предусмотрено. Процедура регистрации не отличается от действий, совершаемых при организации других форм бизнеса. Предпринимателю необходимо создать юридическое лицо или ИП, встать на налоговый учет, подобрать помещение под офис. Наибольшие расходы составят аренда, заработная плата наемных сотрудников, издержки на рекламу и поисковое продвижение.

    \n\n\n\n

    К основным видам деятельности риелторских компаний относятся: 

    \n\n\n\n\n\n\n\n

    При создании бизнеса можно выбрать конкретный сегмент рынка, в котором вы планируете работать: 

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    Чтобы выбрать какую-либо нишу, нужно проанализировать ситуацию на рынке и число конкурентов в отрасли.

    \n\n\n\n

    Некоторые риелторские компании, помимо основных, предоставляют ряд сопутствующих услуг: 

    \n\n\n\n\n\n\n\n

    При совершении операций с собственностью агентства получаются комиссионные, которые им платит клиент после подписания договора. Размер такой выплаты составляет примерно 3-8 % от суммы договора купли-продажи. Когда речь идет о помесячной аренде недвижимости, комиссионные риелтора составляют 50-70 % от суммы ежемесячной оплаты. 

    \n\n\n\n

    Оформляем документы для открытия

    \n\n\n\n

    Сначала нужно выбрать форму собственности для будущего предприятия. Для того чтобы организовать агентство недвижимости, достаточно зарегистрироваться в качестве ИП. Это проще и дешевле. Вы можете подать заявку на сайте налоговой инспекции, оплатить пошлину и затем получить свидетельство.

    \n\n\n\n

    Если вы хотите вести бизнес с партнерами, то необходимо зарегистрировать ООО. Для этого необходимо собрать пакет документов:

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    Также организацию нужно поставить на налоговый учет. В течение 5 дней после его оформления ФНС отправит копии документов, подтверждающих этот факт, на электронный адрес, указанный в заявлении.

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    Далее нужно открыть банковский счет и передать информацию о нем в налоговую. Еще бизнесмену понадобится печать для договоров.

    \n\n\n\n

    Для компании нужно будет придумать название. Оно должно быть коротким, информативным и запоминающимся. Хорошо, если в наименование будет заложен смысл, указывающий на недвижимость.

    \n\n\n\n

    Франшиза или свой бизнес

    \n\n\n\n

    Личный бренд стоит развивать только в случае, если вы уверены в своих силах и хотите реализовать собственные амбиции.

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    Увеличить шансы на успех можно с помощью франшизы. Осторожные бизнесмены выбирают эту модель бизнеса, поскольку она прошла неоднократную проверку. Готовая стратегия позволит строить бизнес с минимальными рисками.

    \n\n\n\n

    Франшиза дает уверенность, но накладывает много ограничений: франчайзи должен платить роялти и в точности выполнять рекомендации франчайзера. 

    \n\n\n\n

    Как организовать агентство недвижимости: быстрый старт

    \n\n\n\n

    После регистрации компании необходимо найти офис и заключить договор аренды. Выбирайте офис с хорошей транспортной развязкой, чтобы его было легко найти.

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    Для старта бизнеса вам понадобятся: 

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    Рассмотрим эти задачи подробнее.

    \n\n\n\n

    Выбор офиса

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    Для того чтобы открыть агентство, необходимо выбрать под него помещение. Желательно, чтобы вблизи находилась парковка и остановки общественного транспорта. Хорошо подойдет первый этаж жилого здания, находящегося на первой линии. Если подобное помещение не удается найти, можно снять офис в близлежащем бизнес-центре.

    \n\n\n\n

    Если риелтор планирует работать самостоятельно, хватит кабинета площадью 15 кв. м. При наличии штата сотрудников потребуется помещение площадью от 30 кв. м. Его можно поделить на несколько зон:

    \n\n\n\n\n\n\n\n

    Иногда арендодатели сдают офисы уже с мебелью и обустройством. В противном случае вам понадобится ее приобрести. Также для организации работы потребуются компьютеры, МФУ и канцелярские принадлежности.

    \n\n\n\n

    Наем персонала

    \n\n\n\n

    Для запуска бизнеса достаточно нанять несколько агентов. Брать юриста и бухгалтера в штат – довольно дорогое удовольствие. Можно договориться, чтобы они работали удаленно.

    \n\n\n\n

    Навыки коммуникаций – главные в работе агента. Поэтому с задачами риелтора лучше всего справятся бывшие менеджеры по продажам. Специалисты с опытом и собственной базой клиентов потребуют достойной оплаты. Есть смысл нанимать их только, когда компания вышла на стабильный уровень дохода.

    \n\n\n\n

    Оклад в агентствах недвижимости устанавливают редко. К тому же, сдельная оплата является хорошим стимулом. Уровень выплат для агента составляет примерно 20 % от той суммы, которую составила комиссия компании за посреднические услуги. Старательным сотрудникам нужно платить не менее 40 %, иначе они уйдут к конкурентам.

    \n\n\n\n

    Важная задача для риелторского бизнеса – найти проверенного юриста. На его плечах будет лежать ответственность за чистоту сделок. Он составляет договора, проверяет объекты, клиентов. В обязанности юриста будут входить консультации, представление интересов агентства в государственных учреждениях и судах.

    \n\n\n\n

    Маркетинг и реклама

    \n\n\n\n

    Агентству недвижимости необходимо постоянно запускать рекламу по всем доступным каналам. Особенно сначала, когда компания является малоизвестной в городе. Продвигать услуги проще начать онлайн:

    \n\n\n\n
    1. Запустить сайт. На ресурсе должен быть размещен действующий прайс на услуги агентства, контактная информация и актуальные объявления. Далее на созданный сайт предстоит настроить контекстную рекламу.
    2. Завести аккаунты и сообщества в социальных сетях. На подобных площадках можно публиковать новости и экспертный контент, размещать объявления. Здесь стоит делать упор на таргетированную рекламу. Мессенджеры и Telegram-каналы также помогут стать ближе к клиентам. 
    \n\n\n\n

    Не стоит также пренебрегать размещением рекламы в местных печатных и интернет-изданиях, а также на досках электронных объявлений наподобие Avito.

    \n\n\n\n

    Список расходов

    \n\n\n\n

    Разрабатывая бизнес-план, нужно четко оценить объем стартового капитала. Иначе возникнет риск потратить больше запланированного и оказаться в сложной финансовой ситуации. Чтобы открыть АН, понадобится вложить сразу не менее 200 тыс. руб. Не стоит забывать и про ежемесячные платежи. 

    \n\n\n\n

    Если вычесть из условного миллиона прибыли обязательные расходы, то останется примерно 500 тыс. руб. Но добиться подобных показателей удастся не сразу. Если дело пойдет удачно, то можно выйти в ноль уже в первый месяц после открытия.

    \n\n\n\n

    Анализ рынка риелторских услуг

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    В зависимости от финансовой ситуации на рынке, стоимость собственности и спрос на нее могут меняться. Например, в декабре 2022 года наблюдался ажиотаж на жилье в новостройках, связанный с анонсом свертывания программ льготной ипотеки в 2023 году. А всплеск покупательской активности на вторичном рынке зафиксирован в июне 2023 года в связи с заявлениями о планируемом увеличении ключевой ставки ЦБ. А зависимости от роста или падения спроса меняется стоимость квадратного метра недвижимости.

    \n\n\n\n

    Данные сервиса mxkr.ru говорят о том, что общая численность риелторских контор в России составляет более 17 тысяч. Среди регионов с наибольшим количеством АН лидируют: Москва, Санкт-Петербург и Новосибирск. В этих городов-миллионниках наблюдается повышенный уровень конкуренции. 

    \n\n\n\n

    В менее крупных городах, таких как Орел, Петропавловск-Камчатский или Мурманск, количество конкурентов в отрасли минимальное, однако спрос, как и база недвижимости существенно меньше. Но рынок риелторских услуг может стать прибыльным как для начинающих, так и для опытных бизнесменов. Для этого нужно составить реальный бизнес-план и посвятить все силы ведению деятельности агентства.

    \n\n\n\n

    Услуги агентства недвижимости

    \n\n\n\n

    Риелторская контора может предоставлять целый ряд услуг, связанных с собственностью. Но есть и другой путь – сосредоточиться на одном направлении и повышать профессиональный уровень, зарабатывать репутацию. Оба подхода могут привести владельца агентства к успеху. Решение зависит от его предпочтений, уровня организатора и суммы начального капитала. 

    \n\n\n\n

    Перечень услуг, которыми может заниматься АН:

    \n\n\n\n\n\n\n\n

    Наиболее востребованной многие годы остается купля-продажа жилья. Второе место среди услуг отведено сделкам с коммерческой недвижимостью, третье – аренде жилой недвижимости. Чтобы наладить работу риелторской компании с нуля, необходимо сосредоточиться на наиболее прибыльных операциях.

    \n\n\n\n

    Размер комиссионных агентства

    \n\n\n\n

    Риелтор выполняет по сути функции посредника. Он сводит между собой продавца и покупателя, арендатора и арендодателя, занимается оформлением бумаг. Стороны заключают договора, а риелтор получает за свои услуги комиссию. Риелтор, который оформил ИП и занимается бизнесом самостоятельно, имеет доход в размере полной суммы комиссионных за вычетом налогов. Но большинство агентств содержит штат сотрудников, между которыми разделены задачи. Каждому из них нужно платить зарплату. В городе-миллионнике успешным считается агентство, ежемесячная выручка которого составляет не менее 1 млн. руб.

    \n\n\n\n

    Прикинем количество сделок, способных принести такой доход. По данным сайта realtymag.ru, средняя стоимость однокомнатной квартиры в Москве на вторичном рынке недвижимости на август 2023 года составляет 10 765 625 руб. Комиссия агентства за продажу в среднем равна 3 %. Тогда прибыль агентства от сделки составит:

    \n\n\n\n

    10 765 625 х 3 % = 322 969 руб.

    \n\n\n\n

    Для выхода на прибыль в 1 млн. руб., агентству нужно заключить не менее трех таких сделок за месяц. Но чем выше стоимость, тем труднее реализовать недвижимость. Поэтому агентам приходится проводить многочисленные показы, размещать десятки объявлений. Зато при закрытии сделки размер комиссионных покрывает все понесенные издержки. Прибыль АН по регионам РФ значительно скромнее, но зато там легче выиграть в конкурентной борьбе.

    \n\n\n\n

    Как можно повысить доход риелторского агентства?

    \n\n\n\n

    Когда риелторское агентство создано, можно переходить к стратегии его продвижения и поиску клиентов. В качестве источника дополнительного клиентского трафика можно использовать программы партнерского маркетинга.

    \n\n\n\n

    Оказывая клиентам услуги в сфере недвижимости, можно предлагать им продукты страховых и кредитных организаций. Став партнером Pampadu, вы можете использовать все эти возможности. Например, помогая клиентам в страховании ипотечного имущества, вы будете получить комиссионное вознаграждение в размере до 60% от цены страхового полиса.

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    ?Несколько лет назад мы ближе познакомились со сканированием кодов для перехода на сайт. Но мало кто знает и помнит, что технология появилась еще в 90-х годах.
    Все циклично и сегодня это как раз подходит для увеличения конверсий.

    \n\n\n\n

    Разберем механизм создания куаркода за 1 минуту и расскажем как его можно использовать.

    \n\n\n\n

    Чтобы создать свой куаркод, переходим на ➡️ сайт-генератор, и заходим в раздел закодировать ссылку на сайт, затем копируем ссылку из Личного кабинета Пампаду и вставляем в окно на сайте, и через 1 секунду после нажатия «создать код» справа на экране появится ваш QR-код.

    \n\n\n\n

    Всех вариантов применения таких кодов не перечислить, но мы собрали для вас самые ? идеи:

    \n\n\n\n
    1. Разместить объявление с QR-код на витрину ОСАГО на автомойке;
    2. Заказать баннер с вакансией в лифте;
    3. Опубликовать рекламу выгодной карты с Кешбеком.
    \n\n\n\n

    Исследуйте новые методики заработка вместе с Пампаду

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    Зарабатывать в интернете стало возможным благодаря развитию информационных технологий и появлению новых онлайн-платформ. Сервис Пампаду предоставляет возможности заработка в интернете в 2023 году, которые будут востребованы не только у страховых агентов, брокеров или риэлторов, но также среди арбитражников, вебмастеров, блоггеров.

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    Для того, чтобы зарабатывать, необязательно официально устраиваться в компанию или госучреждение. Доход могут приносить и заработки в сети. Среди последних можно выделить контент-маркетинг, блогинг, инвестиции, а также разные виды фриланса: от копирайтинга до веб-дизайна.

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    Блогинг 

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    Создание блога или канала на платформах, таких как YouTube, Дзен или Telegram, может превратиться в доходный бизнес.

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    Реферальные программы, продажа рекламного пространства и спонсорские контракты являются базовыми способами получения прибыли, но не единственными. Блогеры создают свои собственные продукты или предлагают услуги, связанные со сферами, в которых они эксперты. Например, фитнес-блогер может создать онлайн-курс тренировок или лично консультировать подписчиков.

    \n\n\n\n

    Чтобы стать блогером необходимо:

    \n\n\n\n\n\n\n\n

    Рекламодателей привлекают не только объем подписчиков, но и тип целевой аудитории. Например, в блоге про путешествия могут разместить рекламу турфирмы, авиаперевозчики, продавцы тревел-товаров.

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    Необходимо быть готовым к тому, что успех может не прийти сразу. Блогинг требует постоянного развития и продвижения контента, так как аудитории может потребоваться время, чтобы обнаружить ваш блог или канал. Раскрутившись, вы заработаете не только на рекламе, но и на продаже мерча, курсов вебинаров, других инфопродуктах.

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    Для начала работы будет достаточно компьютера или мобильного телефона с цифровой камерой. По мере развития канала потребуются вложения в цифровую технику, помещение, персонал.

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    Работа блогера требует постоянного мониторинга вкусов и предпочтений целевой аудитории, злободневного контента, знания последних тенденций. Для привлечения рекламодателей эксперты рекомендуют составлять их целевой портрет, обозначив базовые потребности, выделять свои преимущества, оформлять востребованные предложения.

    \n\n\n\n

    Важна и юридическая сторона дела. Блогеры, не позаботившиеся об этом вопросе сталкиваются с налоговыми или иными проблемами. 

    \n\n\n\n

    Блогинг – один из примеров заработка в интернете в 2023 году. 

    \n\n\n\n

    Социальные сети

    \n\n\n\n

    С помощью аккаунтов соцсетей пользователи получают доход посредством:

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    Владельцы раскрученных аккаунтов могут размещать у себя посты или рекламные публикации продуктов компаний, с которыми заключили соответствующий договор.

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    Пользователь также может открыть онлайн-магазин на платформе Instagram, Telegram или Facebook и предлагать свои товары или услуги клиентам. Количество подписчиков влияет на продажи.

    \n\n\n\n

    Партнерский маркетинг подразумевает ту же продажу товаров или услуг, но не своих, а партнеров. Вознаграждение – комиссия, которую владелец странички получает с каждой продажи.

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    Еще один способ заработка в интернете в 2023 году без вложений – это репосты и комментарии. Его отличает элементарность стоящих перед пользователем задач (сделать репост, написать комментарий, поставить оценку), однако при этом здесь вряд ли получится заработать большие суммы. Этот способ заработка подходит даже подросткам.

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    Не стоит забывать о возможности получения дохода от участия в конкурсах или спонсорских программах. Бренды работают с блогерами или инфлюэнсерами, предлагая партнерство или спонсорскую поддержку в обмен на рекламу или сотрудничество.

    \n\n\n\n

    Трейдинг

    \n\n\n\n

    Трейдинг представляет собой куплю-продажу финансовых инструментов, как правило, ценных бумаг. Преимущество работы трейдером – отсутствие налогообложения и необходимости образования. Однако наибольший доход получают игроки, разбирающиеся в экономике, финансах, геополитических факторах. 

    \n\n\n\n

    Далее следует найти надежного брокера, который предоставит доступ к торговле и поддержит новичка. Опытные брокеры предлагают демо-счета, которые позволяют тренироваться без риска потери средств.

    \n\n\n\n

    Зарабатывать можно сразу на нескольких финансовых рынках, покупая или продавая акции, валюту (Forex), товары, криптовалюту. Каждый из этих рынков имеет особенности.

    \n\n\n\n

    Перед пополнением счета и началом торгов стоит уделить внимание стратегии, которая будет охватывать строгие временные рамки, а также иметь четкие цели.

    \n\n\n\n

    Базовый аспект удачной торговли – анализ рынка. Для его реализации можно использовать разные инструменты и методики, например, графический или фундаментальный анализ. Зная принципы работы этих инструментов, можно прогнозировать движение цен, принимая обоснованные решения о покупке или продаже активов.

    \n\n\n\n

    Начинающим трейдерам подойдут стратегии с минимальным риском. Например, стратегия «скользящих средних» позволяет отслеживать тенденции рынка и входить в сделку в нужный момент.

    \n\n\n\n

    Инвестирование в онлайн-проекты

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    Инвестиции в интернет-проекты позволяют получить пассивный доход, не требующий постоянного участия. Стартапы, финансовые проекты, криптовалютные инвестиции – все это открывает возможности для тех, кто хочет заработать деньги в сети.

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    Изучите бизнес-модель, команду разработчиков, потенциальную прибыльность. Проанализируйте риски и последствия потерь.

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    Не стоит забывать о диверсификации. Инвестируйте в разные проекты, не ставьте все средства «на одну лошадь». Это поможет распределить риски. Не забывайте об инвестиционных целях.

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    Следите за изменениями на рынке, анализировать последние тенденции. Сфера онлайн-бизнеса изменчива, поэтому всегда необходимо быть готовым к новым возможностям и изменениям.

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    Заработок с помощью партнерских программ

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    Эта модель онлайн-бизнеса основана на сотрудничестве между продавцом (партнерской программой) и партнером, который рекламирует продукты или услуги продавца. В качестве инструмента часто используется партнерская ссылка. Сам партнер получает оплату за определенный вид действий:

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    Заработать на партнерках можно снимая обзоры на товары, рассылая промокоды, формируя рейтинги или товарные подборки, например на летний сезон.

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    Партнеру не нужно ничего производить, он рекламирует уже готовые продукты других компаний, получая комиссию за каждую продажу или действие, которое совершает пользователь по его рекомендации.

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    Новички могут быстро начать зарабатывать, подключившись к партнерской программе и разместив рекламные материалы на сайте или в блоге. Опытные маркетологи, в свою очередь, создают целые бизнесы на основе работы с несколькими партнерками одновременно.

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    Для работы с партнерскими программами важно выбрать правильную нишу, а также продукты, соответствующие интересам аудитории. Это поможет увеличить конверсию и получить больше комиссий. 

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    Дропшиппинг представляет собой продажу товаров на своей площадке за определенный процент от стоимости. Большинство известных маркетплейсов работает по этой системе. Ничто не мешает вам создать собственную онлайн-платформу, на которой вы будете реализовывать чужие товары с доставкой со склада производителя (продавца). 

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    При этом владельцу площадки не нужно заботиться о логистике и хранении. Однако для заработка необходимо создать ресурс с объемным охватом аудитории. Вложения при инвестировании в интернет-проекты или дропшиппинге будут связаны с разработкой и продвижением платформы. 

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    Фриланс

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    Фриланс – один из самых популярных способов заработка в интернете с выводом на карту. Тем более, если речь идет о биржах копирайтеров, фотографов, дизайнеров. Фрилансеры работают по разным направлениям: от копирайтинга и веб-дизайна до программирования или переводов.

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    Новички начинают работу с регистрации на бирже. Найти заказчиков можно не только на биржах, но и на Telegram-каналы с вакансиями или сайтах для соискателей.

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    Часто фрилансеры начинают с небольших проектов, чтобы набраться опыта и построить портфолио. Развиваясь, создают личные аккаунты, начинают вести блоги, запускают таргеты, рекламируют сделанные кейсы.

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    Не стоит забывать о конкуренции на рынке фриланса. Чтобы выделиться среди исполнителей, нужно предложить качественный контент или специализироваться в узкой области. 

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    Главное преимущество фриланса – свободный график плюс возможность работать из любой точки мира. Однако не менее важно уметь управлять временем и правильно организовывать работу. Фриланс, несмотря на «гибкость», требует самодисциплины.

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    Инфопродукты

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    В 2023 году спрос на инфопродукты будет только расти, поэтому подобные предложения могут стать дополнительным источником дохода. Информационные продукты могут представлять собой онлайн-курсы, вебинары, чек-листы. 

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    Выбирайте области, в которых вы эксперт. Для продажи потребуется предъявить потенциальным покупателям дипломы, сертификаты и, конечно же, рабочие кейсы.

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    Напишите подробный план информационного продукта, начните разрабатывать материалы: тексты, видеоуроки, аудиозаписи. Уделите внимание оформлению – используйте привлекательный дизайн, продуманную структуру.

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    Начните продавать инфопродукт, используя для этого собственный сайт или сторонние ресурсы. Выберите площадку и загрузите продукт.

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    Для привлечения клиентов можно использовать маркетинговые стратегии: рекламу в социальных сетях или блогах, участие в партнерских программах. 

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    Монетизация сайтов

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    Монетизация сайтов представляет собой преобразование существующего трафика в регулярный доход. Размещение рекламных блоков на сайте позволяет получать доход от кликов. 

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    Еще один способ заработка – это использование модели CPA. При реализации CPA владелец ресурса получает вознаграждение не за клики, а за конкретные действия: заявки, подписки, заполненные формы заказа, покупки.

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    Другим способом монетизации является SEO. Владелец сайта может разместить у себя ссылки, который переводят посетителя на сайт рекламодателя. Главное, органично и уместно разместить СЕО-материалы, а также проследить, чтобы целевая аудитория рекламодателя и партнера совпадала. Бренды, компании, блоггеры готовы оплачивать подобные материалы. 

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    Работа с маркетплейсами

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    Менеджер по работе с маркетплейсами – это специалист, занимающийся продажами товаров или услуг на различных интернет-площадках. 

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    Одной из задач менеджера является анализ рынка и конкурентов. Он определяет потенциально доходные продукты или услуги для продажи, оценивает спрос, выбирает подходящую платформу для размещения.

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    Далее следует создание привлекательного описания продукта, включающее фото и оформление товарной карточки. Менеджер также отвечает за обработку заказов, взаимодействие с клиентами, решение возникающих проблем, организацию доставки.

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    Для работы менеджеру по работе с маркетплейсами необходимо быть организованным и коммуникабельным. Он должен быть готов к оперативному принятию решений, уметь управлять временем, работать с сервисами аналитики. Опытные управленцы берут на себя весь цикл, от размещения товара на маркете до обратной связи с клиентом после доставки заказа.

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    Отзывы

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    Компании стремятся улучшить репутацию и привлечь новых клиентов через положительные отзывы. Для этого они готовы платить пользователям, которые оставят положительную оценку.

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    Для того чтобы начать зарабатывать, потребуется зарегистрироваться на специализированных платформах (Отзовик, Ай рекомменд). После регистрации пользователь получает задания с указанием товара или услуги, на которые нужно написать отзыв.

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    Необходимо обладать навыком написания текстов, уметь грамотно выражать мнение. Клиенты в отзывах ценят объективность и подробное описание.

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    Риски мошенничества

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    Почти 90% вакансий, обещающих моментальный заработок денег в интернете с выводом на карту, являются «липовыми». Как отличить объявления, размещенные мошенниками:

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    При размещении вакансий для фрилансеров работодатели-мошенники нередко просят сделать бесплатные тестовые задания. Большинство работодателей не дают тесты, а просят показать работы из портфолио.

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    Как правильно «подстелить соломку»

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    Чтобы не стать жертвой мошенничества при попытке заработать в сети необходимо:

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    Выполнение этих правил гарантирует безопасность как вам, так и вашему кошельку.

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    О сервисе 

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    Онлайн-платформа Пампаду известна среди брокеров, риэлторов, страховых агентов и арбитражников, как сервис, предоставляющий финансовые инструменты для заработка в сети.

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    Преимущества онлайн-платформы:

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    Сервис подходит как новичкам, так и профессионалам. Зарегистрируйтесь всего за пару минут и получайте доход!

    \n', 'Заработок в интернете в 2023 году: как заработать в интернете без вложений', 'Заработки в интернете в 2023 году. Популярные способы: блогинг, соцсети, трейдинг, дропшиппинг, инвестиции в онлайн-проекты, фриланс. Как выявить предложения от мошенников?', 'publish', 'open', 'open', '', 'zarabotok-v-internete-v-2023-godu-kak-zarabotat-v-internete-bez-vlozhenij', '', '', '2023-08-18 10:18:15', '2023-08-18 10:18:15', '', 0, 'https://pampadu.ru/blog/?p=3533', 0, 'post', '', 3), (3534, 1, '2023-08-18 10:15:29', '2023-08-18 10:15:29', '', '1030х502-2 (11)', '', 'inherit', 'open', 'closed', '', '1030h502-2-11-2', '', '', '2023-08-18 10:15:29', '2023-08-18 10:15:29', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-2-11.jpg', 0, 'attachment', 'image/jpeg', 0), (3536, 13, '2023-08-18 13:11:22', '2023-08-18 13:11:22', '\n

    ? Дорогие партнеры, отслеживайте актуальные новости по продуктам которые интересуют именно вас.
    Предоставляем все инструменты и поддержку для успешной работы.

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    Подбирайте что подходит именно Вам:

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    • В основном канале собраны все анонсы про изменения на платформе, акции, опросы, тематические вебинары по всем продуктам Пампаду.

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    • Канал Страховые продукты Пампаду публикует актуальные новости страхового рынка.
    Будьте всегда в повестке изменений.

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    • Мы сумели создать теплое комьюнити, которое помогает друг-другу, это чат закрытого страхового клуба.
    Доступ к закрытому клубу по заполненной заявке, ссылка здесь

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    • Pampadu CPA здесь собрана вся информация по банковским и hr продуктам, изменение ставок по офферам.
    + чат поддержки фин. офферов, где есть возможность обсуждать рабочие ситуации, обмениваться опытом.

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    • Отдельный чат HR вертикаль все о hr-офферах, обновления вакансий, ответы на интересующие вопросы.

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    ? Агенты, благодаря этой супер возможности ваше время всегда будет грамотно распределено, а также узнавайте обо всех изменениях страховых, банковских и HR продуктов первыми.

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    Напоминаем, что сейчас проходит розыгрыш: «Вселенная подарков на Пампаду».
    Каждая продажа идет в счёт по страховым, банковским продуктам и пользователям реферальной программы.
    Завершите летний сезон с крутыми призами!

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    Следите за новостями, участвуйте и выигрывайте призы вместе с Пампаду

    \n', 'Будь на информационной волне Пампаду', 'Предоставляем все инструменты и поддержку для успешной работы по продуктам. ', 'publish', 'open', 'open', '', 'bud-na-informatsionnoj-volne-pampadu', '', '', '2023-08-18 13:11:22', '2023-08-18 13:11:22', '', 0, 'https://pampadu.ru/blog/?p=3536', 0, 'post', '', 0), (3537, 1, '2023-08-18 13:11:08', '2023-08-18 13:11:08', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-130', '', '', '2023-08-18 13:11:08', '2023-08-18 13:11:08', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-20.png', 0, 'attachment', 'image/png', 0), (3539, 13, '2023-08-21 11:58:18', '2023-08-21 11:58:18', '\n

    Объясняем по каким причинам вы можете потерять реферала или начисления за него:

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    1) регистрация реферала должна обязательно происходить по вашей ссылке, иногда реферал может самостоятельно загуглить Пампаду, тогда он не закрепится за вами;

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    2) регистрация реферала должна произойти в течение 30 дней после получения вашей ссылки. Если реферал не завершил регистрацию, а затем вернулся к ней спустя месяц, то он не закрепится за вами;

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    3) если после вашей реферальной ссылки реферал перейдет по чужой ссылке и закончит регистрацию, то он запишется под другого пользователя;

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    4) нельзя перерегистрировать старые аккаунты, по таким рефералам начисления не будут производиться;

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    5) реферальные начисления блокируются, если вы используете одно устройство/ip-адрес;

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    ? Примеры заработка на реф. программе по ссылке здесь

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    Самые привлекательные условия реферальной программы на Пампаду!
    Получайте 5% от заработка реферала по банковским продуктам, 1% от стоимости полисов ипотеки и 50 руб. за каждый полис ОСГАО.
    Все условия

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    Продажи рефералов засчитываются в розыгрыше iPhone 12 и других призов.
    Участвуйте и выигрывайте.

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    Хороших продаж,
    команда Пампаду     ?

    \n', '⚡️ Продолжаем рассказывать о нашей новой реферальной программе', 'Прочитав статью вы узнаете по каким причинам можно потерять реферала или начисления за него.', 'publish', 'open', 'open', '', 'prodolzhaem-rasskazyvat-o-nashej-novoj-referalnoj-programme', '', '', '2023-08-21 11:58:18', '2023-08-21 11:58:18', '', 0, 'https://pampadu.ru/blog/?p=3539', 0, 'post', '', 0), (3540, 1, '2023-08-21 11:57:19', '2023-08-21 11:57:19', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-131', '', '', '2023-08-21 11:57:19', '2023-08-21 11:57:19', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-21.png', 0, 'attachment', 'image/png', 0), (3542, 13, '2023-08-22 09:05:47', '2023-08-22 09:05:47', '\n

    • Текущие условия по офферу действуют до 31.08.2023

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    Спешим вам напомнить, что по офферу Кредитная карта 180 дней без % от Газпромбанка вы можете заработать 7 600 руб за каждую выданную карту.
    Целевое действие: Выданная карта с одобренным кредитным лимитом от 9 999 руб.
    Среднее время оплаты: 30 дней

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    Партнеры, при оформлении кредитной карты Газпромбанка вы можете выиграть iPhone 12 и не только, мы подготовили для вас более 35 подарков!

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    ▶️ Смотреть видеообзор призов, которые ждут своих победителей

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    Как выиграть подарок?

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    Принять участие в розыгрыше «Вселенная подарков»
    Срок подведения итогов акции по финансовым продуктам - до 15.10.2023.

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    Осталось всего 9 дней, чтобы успеть побороться за ценные призы.

    \n\n\n\n

    Отличных продаж,
    команда Пампаду    ?

    \n', 'Успей заработать 7600 р. за каждую выданную КК Газпромбанка до понижения ставки', 'Текущие условия по офферу действуют до 31.08.2023 успей получить высокое КВ на КК Газпромбанка.', 'publish', 'open', 'open', '', 'uspej-zarabotat-7600-r-za-kazhduyu-vydannuyu-kk-gazprombanka-do-ponizheniya-stavki', '', '', '2023-08-22 09:05:47', '2023-08-22 09:05:47', '', 0, 'https://pampadu.ru/blog/?p=3542', 0, 'post', '', 0), (3543, 1, '2023-08-22 09:04:57', '2023-08-22 09:04:57', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-34', '', '', '2023-08-22 09:04:57', '2023-08-22 09:04:57', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-1-6.png', 0, 'attachment', 'image/png', 0), (3547, 13, '2023-08-22 12:07:51', '2023-08-22 12:07:51', '\n

    ИПОТЕКА:

    \n\n\n\n
    1. Расширили лимиты по СК Zetta: для Москвы и Санкт-Петербурга доступна ОСЗ до 18 млн. (и 15/12 млн. для “Жизни”) а по другим регионам - до 13 млн. (и 7 млн. для “Жизни”);
    2. В Росгосстрахе для Вас возможно страхование Ипотеки от текущей даты (день в день);
    3. В СК Пари Вам снова доступны объекты страхования начиная от 1960 года постройки;
    4. В Югории и Росгосстрахе теперь возможно указать место рождения страхователя за пределами РФ - раньше это блокировало оформление для многих клиентов;
    5. При смене СК мы теперь автоматически меняем дату начала действия договора на минимально-возможную и вам больше не придется подбирать ее руками;
    6. Исправили ошибку потери номера и даты кредитного договора при копировании полиса;
    7. Печатные формы теперь открываются отдельно и вы не потеряете текущую страницу в ЛК.
    \n\n\n\n

    ОСАГО:

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    1. Обновили подбор подходящей даты страхования для СК МАКС, Тинькофф и Югория;
    2. Переработали общую логику работы с СК АльфаСтрахование и Согласие.
    \n\n\n\n

    ? Все это позволило увеличить общий уровень одобрения ОСАГО для ваших клиентов до 86%, а мы не останавливаемся на этом результате, и в самое ближайшее время сделаем наш сервис еще удобнее!

    \n\n\n\n

    С любовью к своему делу,
    Команда Пампаду

    \n', 'Собрали для вас самые важные обновления и улучшения за последнее время по ОСАГО и Ипотечному страхованию', 'Встречайте новые улучшение на Пампаду по ОСАГО и Ипотечному страхованию', 'publish', 'open', 'open', '', 'sobrali-dlya-vas-samye-vazhnye-obnovleniya-i-uluchsheniya-za-poslednee-vremya-po-osago-i-ipotechnomu-strahovaniyu', '', '', '2023-08-22 12:07:51', '2023-08-22 12:07:51', '', 0, 'https://pampadu.ru/blog/?p=3547', 0, 'post', '', 0), (3548, 1, '2023-08-22 12:07:39', '2023-08-22 12:07:39', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-132', '', '', '2023-08-22 12:07:39', '2023-08-22 12:07:39', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-22.png', 0, 'attachment', 'image/png', 0), (3550, 15, '2023-08-23 10:06:09', '2023-08-23 10:06:09', '\n

    Платформа партнерских программ Pampadu приглашает к сотрудничеству агентства недвижимости, риелторов и ипотечных брокеров. Работа с нашим сервисом не предусматривает никаких первоначальных вложений, не требует выполнения плана продаж и осуществляется на взаимовыгодной основе.

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    Хоть для работы агентом по недвижимости не требуется получать юридическое образование, но разбираться в азах проведения соглашений необходимо. С этой целью мы подготовили обзор для начинающих риелторов на тему, какие виды сделок с недвижимостью существуют.

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    Основные сделки с недвижимостью: что это

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    Согласно имущественному праву сделки с недвижимостью разделены на возмездные и безвозмездные. К безвозмездным сделкам относятся дарение, наследование, приватизация и прочие действия, совершаемые на безоплатной основе. К возмездным соглашениям принадлежат купля-продажа, аренда, мена, залог и прочие действия с передачей определенных прав на недвижимость взамен получения установленной платы.

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    Сделкой купли-продажи недвижимости считают взаимодействие, направленное на изменение прав владения собственностью. Результатом любого соглашения купли-продажи считается договор, на основе которого происходит прекращение права собственности продавца и переход такого права к покупателю.

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    Стороны сделки с недвижимостью

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    У любой сделки купли-продажи имущества определены две стороны:

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    Любую из сторон соглашения может представлять несколько лиц. Например, в случае продажи общей долевой собственности, когда владельцев у жилья несколько, сделка может быть проведена с составлением единого договора или нескольких отдельных.

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    Когда к сделке с недвижимостью подключается риелтор или агентство по недвижимости, сторона соглашения (продавец или покупатель) заключает с ним отдельный договор на оказание услуг. 

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    Если квартира приобретается в ипотеку, то покупатель заключает отдельно с банком кредитный договор. Хоть жилье будет находиться в залоге у банка до полной выплаты ипотечного кредита, стороной соглашения купли-продажи жилья все же он не является.

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    Любую из сторон соглашения может представлять лицо, действующее на основе нотариально заверенной доверенности.

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    Этапы сделки с недвижимостью

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    Этапы соглашений с недвижимостью могут отличаться в разных ситуациях, но в общем случае они включают:

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    1. Размещение объявления о продаже. Можно рекламировать квартиру на агрегаторах недвижимости, в печатных изданиях или путем расклейки объявлений. Если продавец заключает договор с риелторским агентством, то эту задачу берут на себя агенты.
    2. Согласование договора, проведение показов. Независимо от вида продажи, ее заключение сопровождается переговорами и предварительным обсуждением договора.
    3. Подача заявки на кредит. Большая часть недвижимости приобретается в ипотеку. После согласования этого вопроса с продавцом, покупатель должен получить одобрение договора у кредитной организации. 
    4. Проверка юридической чистоты договора. На этом шаге покупателю стоит обезопасить себя – проконсультироваться у юриста и с его помощью проверить квартиру на наличие обременений.
    5. Заключение договора купли-продажи и выполнение его положений. Сделка завершается регистрацией перехода права собственности от продавца к покупателю в Росрестре.
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    Классификация сделок с недвижимостью

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    Когда речь идет о действиях по передаче имущества, совершаемых на возмездной основе, различают два типа сделок:

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    Прямая сделка или свободная продажа

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    Прямая или свободная сделка (продажа) означает, что она будет проводиться по схеме: продавец получает деньги, а покупатель – недвижимость. Не стоит путать свободную продажу с договором без посредников – это не одно и то же. Если предполагается соглашение без участия риелтора со стороны продавца, то в объявлении пишут: «продажа от собственника», «я – собственник» и т.д.

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    Свободная продажа обладает такими плюсами:

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    Свободная продажа не лишена недостатков для покупателя:

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    Прямая сделка считается более простой и быстрой по сравнению с альтернативной. Но на практике она может таить различные юридические проблемы. Не стоит расслабляться – квартира может оказаться с каким-либо обременением или иметь серьезные недостатки. О спорных моментах может умолчать и продавец, и нанятый им риелтор. 

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    Альтернативная сделка

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    Большую часть продаж на рынке вторичной недвижимости занимают альтернативные сделки. Люди постоянно женятся, разводятся, меняют работу или место проживания. Поэтому у них возникает необходимость продать имеющееся жилье, чтобы вместо него приобрести другое. Такая сделка именуется альтернативной.

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    Можно выделить как минимум четыре вида альтернативных сделок со стороны продавца: 

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    1. Увеличение жилплощади с внесением доплаты.
    2. Размен одного крупногабаритного варианта на несколько с меньшей площадью. Например, продавец намерен продать трехкомнатную квартиру и приобрести взамен две однокомнатных.
    3. Уменьшение жилплощади с получением разницы сумм на руки. Этот вариант тоже нередко встречается.
    4. Покупка равноценной квартиры в другом городе в связи с переездом. Или продавец хочет купить квартиру в том же городе, но в другом районе.
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    У альтернативной продажи можно выделить всего один плюс: юридическая чистота недвижимости в цепочке тщательно проверяется, причем не одним риелтором.

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    Недостатки альтернативной продажи очевидны: 

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    Поэтому продавцы в большинстве случае подключают риелторов для организации альтернативной сделки. Риелтор быстрее найдет подходящий вариант по базе недвижимости, организует проверку юридической чистоты и возьмет на себя переговоры с участниками цепи соглашений.

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    Как риелтор может упростить заключение сделки с недвижимостью

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    Опытный риелтор знает, как можно упростить соглашение. Для этого нужно выполнить следующие шаги:

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    1. Составить список задач под конкретный объект недвижимости.
    2. Самостоятельно проверить готовность всех документов на квартиру.
    3. Заранее найти надежного юриста и составить договор купли-продажи.
    4. Обозначить временные интервалы на выполнение каждого этапа. В случае если срок нарушен, предпринять возможные меры решения проблемы. 
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    Сделки с недвижимостью сопряжены со многими сложностями. Поэтому покупатели также нередко нанимают со своей стороны риелтора при покупке жилья. Их действия оправданы, если агент по недвижимости разбирается в юридических вопросах и добросовестно относится к своим обязанностям.

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    Простой способ увеличения дохода для риелтора

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    Чтобы активнее продвигать свои услуги, риелторам нужно не только разбираться в юридических вопросах и знать нормативную базу. Жесткая конкуренция на рынке посреднических услуг заставляет искать новые пути развития и продвижения.

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    Например, можно предлагать клиентам дополнительные услуги, что сделает сотрудничество с вами более удобным. Став партнером платформы Пампаду, вы получаете возможность оформлять страховые и финансовые продукты для своих клиентов.

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    Например, занимаясь страхованием ипотечного имущества и жизни заемщика, вы будете гарантированно получать комиссионные выплаты (в среднем – 52,5 % стоимости полиса).

    \n', 'Какие виды сделок с недвижимостью существуют', 'Для работы риелтором нужно знать тонкости проведения и оформления сделок с собственностью. Начать изучение темы стоит с вопроса, какие бывают виды сделок с недвижимостью. Рассказываем подробнее.', 'publish', 'open', 'open', '', 'kakie-vidy-sdelok-s-nedvizhimostyu-sushhestvuyut', '', '', '2023-08-23 10:06:09', '2023-08-23 10:06:09', '', 0, 'https://pampadu.ru/blog/?p=3550', 0, 'post', '', 0), (3552, 1, '2023-08-23 10:05:16', '2023-08-23 10:05:16', '', '1030х502-1 (13)', '', 'inherit', 'open', 'closed', '', '1030h502-1-13-2', '', '', '2023-08-23 10:05:16', '2023-08-23 10:05:16', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-1-13.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3553, 15, '2023-08-23 10:14:39', '2023-08-23 10:14:39', '\n

    Начинающий агент может быть незнаком с некоторыми выражениями из риелторского жаргона, а то и вовсе неправильно их понимать. Профессиональный язык рынка недвижимости известен не каждому. Например, «чистая продажа» – как это понять? 

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    Сервис партнерских продаж Пампаду обобщил для вас информацию о риелторском сленге и подготовил толкование распространенных выражений. Рассказываем, что на самом деле скрывается за той или иной фразой в объявлениях о продаже жилья.

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    Что же такое чистая продажа?

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    Чистую продажу еще называют свободной. Этот термин на языке риелторов обозначает тот факт, что сделка пройдет быстрее. Продавца интересуют исключительно деньги, дальнейшее решение его квартирного вопроса не связано с продажей данного объекта недвижимости.

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    Пометка в объявлении о чистой продаже намекает также о том, что на квартире нет обременений, в ней никто не прописан и не проживает. Но не стоит путать понятие свободной продажи с юридической чистотой сделки. Оно не означает, что пакет правоустанавливающих документов на квартиру тщательно проверен и не таит проблем. Риелторы акцентируют внимание покупателя на чистой продаже поскольку, в противовес альтернативным сделкам, продавцу не требуется время на поиск жилья взамен.

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    В целом такая сделка и правда может оказаться проще в отличие от альтернативной продажи, для которой может потребоваться проведение цепочки сделок. Во втором случае у продавца стоит задача пробрести новое жилье для своей семьи и детей на вырученные от продажи имущества деньги. Реализация квартир от застройщика всегда будет относиться к категории чистой продажи.

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    Почему не убирают объявление, когда квартира в задатке

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    Иногда в текстах объявлений о продаже недвижимости можно наткнуться на фразы: «получен задаток», «подписан предварительный договор» «квартира на задатке, идет подготовка к сделке». Непонятно, зачем же тогда продолжать рекламировать объявление?

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    Покупателей с необходимой суммой на руках немного, даже если речь идет о первоначальном взносе по ипотеке. Тем более в случае ипотечного кредитования необходимо сначала получить одобрение на проведение сделки в финансовой организации. На это нужно время. Чтобы не упускать интересующий вариант, покупатель подписывает преддоговор или договор задатка, согласно которому вносит предоплату (аванс или задаток). Стороны определяют, в какой срок они намерены выйти на сделку и заключить основной договор. В этот период квартира находится «в задатке». 

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    Но агентство не спешит убирать объявление, потому что стороны могут так и не подписать договор в силу жизненных обстоятельств. Срок заключении договора может занять до нескольких месяцев. За это время может случиться что угодно. Например, произойдет резкий рост цен на недвижимость. Тогда владельцу станет невыгодно продавать имущество по цене ниже рыночной. Даже несмотря на денежные потери, которые он понесет в случае расторжения предварительного соглашения по своей инициативе.

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    Отслеживая определенное объявление о продаже, можно встретить и другие упоминания о задатке. Например, такое: «слетела с задатка, срочная продажа» или «квартира на задатке до 22.08.2023». Они означают, что такой объект рано считать упущенным и шанс на покупку еще есть.

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    Кроме того, другой покупатель может предложить цену на квартиру, которая находится в задатке, выше запрашиваемой. Такое случается, когда жилье соответствует его пожеланиям, и он готов побороться за это предложение. Иногда агентства специально повышает цену в объявлении на квартиру, по которой уже получен задаток, надеясь на такой вариант.

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    Зачем в объявлении пишут, что ключи в агентстве?

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    Здесь все кажется очевидным – выражение намекает на то, что договориться о просмотре квартиры можно напрямую с риелтором. Агенту не придется согласовывать показ с собственником жилья, что ускорит процесс.

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    Но факт того, что ключи находятся в агентстве, несет в себе и иной посыл:

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    Если собственник заключил с агентством недвижимости эксклюзивный договор, это значит, что он предоставил этому посреднику исключительные права на продажу. Владелец не сможет воспользоваться услугами других риелторов или попытаться продать квартиру самостоятельно. Если вы встретите клон данного объявления, размещенный от имени другого продавца – вероятно, это будет фейк. Также не стоит пытаться найти объявление с прямыми контактами владельца, надеясь сторговаться с ним на более низкую цену. Может оказаться, что собственник проживает в другом городе или даже стране – поэтому он и доверил функцию показов риелтору. Кроме того, если ключи от квартиры в агентстве, скорее всего, там же находятся и документы на жилье.

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    Как понять, что такое залоговое имущество?

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    Не каждый, кто оформил ипотеку, может справиться с кредитной нагрузкой. В этом случае банк может выставить недвижимость, которая находится на протяжении всего срока ипотеки у него в залоге, на продажу. Такое имущество называют залоговым. Банк может выставить на реализацию квартиру в залоге, даже если она является единственным жильем семьи. Та же схема действует в случае невыплаты кредита, который был оформлен под залог недвижимости.

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    Списки подобных объектов можно найти на сайте банков. Такие объявления размещаются также на порталах по недвижимости. Цена на залоговую квартиру чаще всего фиксированная, любое заинтересованное лицо может ее осмотреть и приобрести.

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    Иной случай – реализация недвижимости в рамках процедуры банкротства. Эта сделка проводится, если гражданин признан банкротом и у него имеется другое жилье. Такая продажа позволяет хотя бы частично покрыть задолженность банкрота в рамках исполнительного производства. В этом случае имущество должника выставляется на торги, которые проходят в рамках аукциона или конкурса. Выигрывает торги тот из участников, кто предложит наиболее высокую цену.

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    В ходе аукциона стартовая стоимость залогового имущества увеличивается, а для участия в нем необходимо пройти процедуру регистрации на торговой площадке и внести задаток. Однако в силу запутанности схемы торгов, их участник может приобрести инвестиционный актив без переплат.

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    В обоих вариантах речь идет о недвижимости людей, которые не сумели справиться с взятыми на себя финансовыми обязательствами. Поэтому покупателей часто смущает мысль наживаться на чужом горе.

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    Но эта сделка имеет и положительные стороны:

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    Зачем указывают номер варианта в объявлении?

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    Иногда в объявлениях можно встретить такую фразу, как «номер по каталогу». Такая информация помогает риелторам ориентироваться в имеющейся базе недвижимости. Это связано с тем, что даже в одном агентстве объекты собственности не всегда поделены между агентами. В качестве канала для связи в объявлениях часто указывают многоканальный рабочий телефон агентства. Поскольку конкретного риелтора может не быть на месте в момент вашего звонка, то на него может ответить другой сотрудник компании. Если назвать номер варианта, он откроет базу недвижимости и проконсультирует вас по выбранному предложению.

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    Хотите получать от риелторства больший доход? Присоединяйтесь к нам!

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    Pampadu – это платформа партнерского маркетинга, открытая для участия всех желающих, независимо от налогового статуса и опыта продаж.

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    Для покупателей недвижимости ипотека зачастую является единственным способом улучшить жилищные условия. При этом обязательным требованием закона об ипотеке служит страхование имущества на весь срок кредитования. Это защищает и банк, и заемщика от возможных рисков.

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    При подготовке к сделке купли-продажи агент по недвижимости может помочь своему клиенту в оформлении страхового полиса. Он также может посоветовать заемщику оформить страхование жизни и здоровья, чтобы защитить себя и свою семью от последствий непредвиденных обстоятельств.

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    Зарегистрировавшись в качестве партнера на нашем сайте, вы сможете получать КВ за каждый оформленный страховой полис в размере 45-60 % его стоимости. Совмещая риелторскую деятельность с участием в нашей программе, можно увеличить свой доход в разы!

    \n', 'Чистая продажа: что это и как работает', 'Агенты по недвижимости используют множество фраз, непонятных рядовому покупателю, который ранее не имел дела со сделками. «Квартира в задатке», «ключи в агентстве», «чистая продажа» – как это понимать? Кажется, что смысл их ясен из названия, но на деле все оказывается не так очевидно. Раскрываем суть понятий в этой статье. ', 'publish', 'open', 'open', '', 'chistaya-prodazha-chto-eto-i-kak-rabotaet', '', '', '2023-08-23 10:14:39', '2023-08-23 10:14:39', '', 0, 'https://pampadu.ru/blog/?p=3553', 0, 'post', '', 0), (3554, 1, '2023-08-23 10:13:07', '2023-08-23 10:13:07', '', '1030х502-4 (14)', '', 'inherit', 'open', 'closed', '', '1030h502-4-14-2', '', '', '2023-08-23 10:13:07', '2023-08-23 10:13:07', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-4-14.jpg', 0, 'attachment', 'image/jpeg', 0), (3556, 15, '2023-08-23 10:33:17', '2023-08-23 10:33:17', '\n

    Многие термины из языка риелторов не имеют юридической трактовки и используются только в сфере работы с недвижимостью. Это касается также устойчивых выражений и жаргонных слов.

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    Специалисты сервиса партнерских продаж Пампаду подготовили для вас максимально полный глоссарий терминов, аббревиатур и устойчивых выражений из языка агентов недвижимости. Мы не стали приводить простые, общеизвестные понятия. Однако некоторые юридические термины в нем тоже встречаются. Надеемся, что наш словарь риелтора вам пригодится!

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    Список терминов с расшифровкой

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    Как и любой традиционный глоссарий, наш словарь построен на основе привычного алфавитного указателя.

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    А

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    Аванс – предоплата, вручаемая в счет будущих платежей за передачу имущества в собственность или временное пользование. В отличие от задатка аванс не относится к способам обеспечения обязательств по сделке. В то же время он не подразумевает штрафных санкций, поэтому в любой момент может быть истребован назад или возвращен.

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    АН (агентство недвижимости) – юрлицо, осуществляющее риелторскую деятельность, т.е. сопровождение операций с недвижимостью (жилой, коммерческой, земельными участками и пр.). Синонимами по значению являются: риелторская компания, риелторская контора, риелторское агентство.

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    АП (альтернативная продажа) – продажа собственности, совершаемая с одновременной покупкой одного или нескольких иных объектов недвижимости.

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    Арест имущества – наложение государственными структурами запрета для собственника распоряжаться своим имуществом, в первую очередь недвижимостью. Такая мера используется обычно как способ взыскания задолженности и удовлетворения судебного иска.

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    «Аул» – так называют арендаторов с большими семьями. Обычно термин употребляется в негативном значении. Подобные жильцы не приветствуются большинством арендодателей.

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    Б

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    «Бабушкин вариант (ремонт)» – жилье, в котором давно не проводился ремонт, заставленное старой мебелью и заваленное различным хламом. В таких квартирах вы можете встретить затхлый запах, пыльные ковры, выцветшие обои и бытовую технику советских времен. Это неплохой вариант для тех, кто хочет максимально сэкономить на покупке или аренде недвижимости.

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    Безвозмездный договор – категория сделок, согласно которым одна сторона обязуется предоставить другой имущество без получения от той взамен денежных средств или иного способа оплаты. К этой категории относятся договор дарения, наследование имущества, приватизация, передача собственности в безвозмездное пользование и другие виды сделок.

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    Белая отделка – см. Чистовая отделка.

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    Блок квартир – две или более граничащих между собой квартир на одной лестничной клетке.

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    «Брежневка» – тип квартир в многоэтажных домах советской постройки с улучшенной, по сравнению с «хрущевками», планировкой. Например, такую квартиру отличает наличие раздельного санузла.

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    Бронь – выведение объекта из продажи на время, необходимое для сбора средств, одобрения ипотеки или решения заказчиком иных вопросов. Обычно бронь осуществляется на платной основе и такая плата является невозвратной. Но встречается и бесплатная бронь по устной договоренности. Бронь квартиры от застройщика обычно устанавливается сроком в 2 недели.

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    В

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    «Вагончик», квартира «вагончиком» – вариант планировки квартиры, при котором смежные комнаты переходят одна в другую, анфиладой. Термин имеет то же значение, что и «трамвайчик». Такая планировка нередко встречается в двухкомнатных квартирах советской застройки. Иногда можно встретить иной вариант «вагончика», когда комнаты разделены узеньким коридором и расположены четко напротив друг друга, дверь в дверь.

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    Возмездный договор – категория сделок, совершаемых на возмездной основе. К ней относятся: ДКП, ДДУ, договор аренды и прочие виды сделок.

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    Встречная сделка – это продажа недвижимости, предполагающая одновременную покупку другого жилищного объекта. Имеет то же значение, что альтернативная сделка.

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    Вторичка – жилье вторичного рынка, уже бывшее в эксплуатации.

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    Выписка из домовой книги – документ, в котором указываются лица, которые постоянно или временно зарегистрированы на жилплощади и могут пользоваться этим жилым помещением. Ранее домовые книги выдавались РЭУ, ЖЭУ, управляющей компанией – в зависимости от формы управления жилым домом. С 2018 года домовые книги в бумажном виде были упразднены, они больше не выдаются и не заполняются. Но потребность в такой информации не исчезла – например, ее запрашивают банки при оформлении ипотеки. Также она может потребоваться при получении наследства, оформлении льгот и в иных случаях. Поэтому справки, в которых указывают зарегистрированных в помещении людей, на практике продолжают оформлять. Порядок получения данных из домовой книги зависит от региона. Нужную информацию в виде архивной выписки можно получить в МФЦ, жилищных организациях, архиве, региональных или муниципальных администрациях.

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    Г

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    «Голубая башня» – так называют блочный дом серии II-68-01/16. Особенность серии: фасад полностью покрыт лоджиями – они имеются во всех квартирах и на лестничных площадках.

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    Гостинка – небольшая квартира-студия, в которой обычно нет выделенной кухни, но в прихожей есть розетка для плиты и подведена вода. Такой вариант напоминает гостиничный номер – отсюда и происходит название.

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    «Гребенка» («расческа») – квартира, в которой все окна выходят на одну сторону, поэтому она напоминает на плане форму гребня. Обычно такая планировка реализована за счет наличия коридора длиной во всю квартиру.

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    Д

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    ДДУ – договор долевого участия. Договор между застройщиком и покупателем (дольщиком). Согласно ему строительная компания берет на себя обязанность использовать полученные от покупателя средства на ведение работ и передать покупателю в собственность готовую недвижимость.

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    ДКП («декапэшка») – договор купли-продажи имущества. Это документ, подтверждающий возмездную сделку, по которой одна сторона (продавец) обязуется передать недвижимость в собственность другой стороне (покупателю), а тот, в свою очередь, должен уплатить за нее назначенную сумму.

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    Договор дарения – вид безвозмездной сделки, соглашение о безоплатном переходе прав на имущество от одной стороны к другой. Не требует от одаряемого выполнение каких-либо обязательств, кроме уплаты налога с получения такого вида дохода. Если в договоре оговорено, что передача недвижимости производится посредством передачи ключей, то составление передаточного акта также не требуется.

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    Договор пожизненной ренты – соглашение между собственником жилья (рантье) и плательщиком ренты о пожизненном содержании. Согласно ему, после смерти раньте, его собственность перейдет во владение плательщика ренты, а до тех пор тот обязуется выплачивать определенную сумму на содержание рантье.

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    Долевая собственность – см. Общая собственность.

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    Е

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    Евро, евроквартира, европланировка – планировка квартиры, в которой кухня не является отдельным помещением, а совмещена с гостиной. Кухня-гостиная обычно имеет достаточно обширную площадь, которую удобно зонировать. Стоимость евроквартир на 15-30% ниже цен на стандартные квартиры.

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    «Евродвушка» – двухкомнатная квартира с европланировкой. Вторая комната является изолированной и обычно отводится под спальню. Цена такого жилья сопоставима со стоимостью однокомнатной квартирой с отдельной кухней. В ряде городов так называют однокомнатную квартиру с кухней, которая по метражу превышает размер жилой комнаты.

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    «Евротрешка» – трехкомнатная квартира с европланировкой. Включает кухню-гостиную и две изолированных комнаты, в которых чаще всего располагают спальню и детскую. Цена такого жилья сопоставима со стоимостью двухкомнатной квартиры с отдельной кухней.

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    Евроремонт (евростандарт) — условное понятие, эталонов и норм которого попросту не существует. Термин используют, чтобы описать наличие ремонта, проведенного с использованием качественных материалов и современных технологий. Например, такая отделка зачастую подразумевает монтаж натяжного потолка и укладку ламината в гостиной. При этом евроремонт может быть полным или частичным.

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    Ж

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    Жилая площадь квартиры – общая сумма площадей всех жилых комнат, без учета встроенных шкафов или кладовой.

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    Жилое состояние – жилье, пригодное к проживанию. Термин означает, что в квартиру можно сразу же заселяться – все коммуникации подключены, а сантехнические приборы функционируют.

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    З

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    Задаток, квартира на задатке – деньги, передаваемые одной из сторон другой в счет причитающейся с нее суммы по договору, в качестве гарантий исполнения договора и взятых на себя обязательств. В отличие от аванса при покупке недвижимости задаток обычно является невозвратным, т.е. не возвращается в случае нарушения обязательств со стороны лица, который его внес. При аренде недвижимости под задатком подразумевают сумму стоимости съема жилья за первый и последний месяцы аренды, которую вносят сразу же при заключении договора. Если арендатор решает немедленно съехать, то задаток ему так и не возвращается.

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    Залог, квартира в залоге – вид обременения, наложенного на недвижимость, который необходимо снять перед ее покупкой. Например, имущество может находиться в залоге у банка, если собственник взял у него кредит под материальное обеспечение. При покупке недвижимости в ипотеку она является залоговым имуществом банка до полной выплаты ипотечного кредита. Имущество также может быть в залоге, если его собственник признан банкротом и входе процедуры банкротства производится реализация имеющейся у него недвижимости. 

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    И

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    Ипотека – соглашение между залогодержателем и залогодателем. Залогодержатель (банковская организация) выдает залогодателю (покупателю) деньги на приобретение жилья. До тех пор, пока кредит не будет выплачен, собственник не может распоряжаться купленной недвижимостью. В этот период она находится в залоге у банка, который может изъять ее, если залогодатель не справится с взятой на себя финансовой нагрузкой.

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    К

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    «Китайская стена» – так называют многоэтажные дома длиной от 9-ти и более подъездов.

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    Ключи на руках – продавец передал риелтору ключи, и тот готов показать квартиру практически в любое время.

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    «Копейка» – однокомнатная квартира.

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    «Копэшка», дом Копэ – название серии панельных домов, квартиры в которых до сих пор считаются одними из самых комфортных. КОПЭ означает «компоновочные объемно-планировочные элементы». К достоинствам таких домов относится повышенная прочность и улучшенная теплоизоляция. Во всех квартирах серии предусмотрены большие кухни и раздельные санузлы.

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    «Корабль» – так называют многоэтажные дома серии 1ЛГ-600 за внешнее сходство с океанскими лайнерами: сплошные линии маленьких окон-бойниц напоминают палубы. В отличие от «хрущевок», в «кораблях» имеется лифт и мусоропровод.

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    «Косметика» – в квартире проведен косметический ремонт.

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    «Красные линии» – термин, используемый в двух значениях: 1) Обозначение на техническом плане недвижимости перепланировки, которая не узаконена в БТИ; 2) Линия на градостроительном плане, застройка за которой запрещена. Такая территория предназначена для нужд муниципалитета: прокладки трубопровода, установки вышки ЛЭП и других нужд. Но иногда люди самостоятельно захватывают территорию за красной линией и возводят там жилье. Такой самострой со временем можно легализовать.

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    Купля-продажа – сделка на возмездной основе, одну сторону которой представляет продавец, а другую – покупатель. Т.е. одновременно происходит продажа недвижимости одной стороной и покупка жилья другой. В результате заключения договора имущество переходит от продавца к покупателю взамен оговоренной договором суммы.

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    Л

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    «Ленинградка», ленинградская планировка – типовая планировка квартир в домах серии 111-142, построенных по экспериментальному проекту ленинградских архитекторов. Считаются переходным вариантом планировки от «улучшенной» к «новой». Принципиальные отличия: раздельный санузел и наличие мусоропровода.

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    «Лесенки», дома-лесенки – так называют блочные дома серии II-68-04 из-за ступенчатого расположения балконов. 

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    «Линейка», линейная планировка – тип планировки, при которой все окна квартиры выходят на одну сторону. Частным случаем линейки является «гребенка» или «расческа».

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    Лоджия – неотапливаемое, техническое помещение в квартире, разновидность балкона. Отличается от стандартного балкона тем, что располагается внутри линии фасада задания, двумя или тремя сторонами примыкает к капитальным стенам.

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    М

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    Малосемейка, малогабаритка, малометражка – однокомнатная квартира с очень малой квадратурой (общей площадью до 29 кв. м). Промежуточный тип жилья между общежитиями и полноценными квартирами. Малосемейку отличает от гостинки то, что в ней имеется отдельная кухня.

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    Межевание – проведение работ по юридическому определению (установлению или восстановлению) границ земельных участков, их закреплению на местности. Межевание проводится в рамках кадастра земельных участков, его результаты вносятся в Росреестр.

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    МКД – многоквартирный дом.

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    Монолит – так называют дом, построенный на основе монолитного бетонного каркаса. Характеризуется более высоким сроком эксплуатации (до 150 лет) по сравнению с панельным домом (около 50 лет).

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    МОП – места общего пользования в многоквартирном доме. К этой категории относятся: подъезд, лифт, лестница, двор, объекты на придомой территории (газон, парковка, детская, спортивная площадки и т.д.).

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    «Муравейник» – уничижительное название густонаселенного ЖК или района, в котором высотные дома расположены близко друг к другу.

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    Н

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    Ничтожная сделка – сделка, которая является недействительной с момента заключения и не несет за собой никаких юридических последствий. Подобные сделки недействительны изначально, без признания их таковыми судом.

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    Новая планировка – планировка последнего поколения квартир в многоэтажных домах советского периода, построенных по типовым серийным проектам. Принципиальные отличия: кухня не менее 9 кв.м., все комнаты изолированные, санузел раздельный.

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    О

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    Обременение – ограничение прав собственности на имущество, установленное законом или государственными органами. К основным видам обременений относят ипотеку, арест, выделение имущественных долей детям.

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    Общая площадь – суммарная площадь жилых и технических помещений в квартире.

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    Общая собственность – имущество, находящееся в собственности двух и более лиц. При этом доли сособственников могут быть определены (общая долевая собственность – ОДС) или нет (общая совместная собственность – ОСС).

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    ОДН – общедомовые нужды. Платежи по ним идут на содержание МОП.

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    ОП – отдел продаж застройщика.

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    Опека – контроль, осуществляемый государственными органами за правами несовершеннолетних или недееспособных граждан, в том числе имущественных. Разрешение органов опеки необходимо при совершении сделок с недвижимостью, в которых участвуют указанные лица.

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    Отделка под ключ – полная отделка квартиры застройщиком. Включает отделку пола, потолка и стен, монтаж дверей и пластиковых стеклопакетов, установку сантехники, розеток, светильников и выключателей света.

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    Отчуждение – действия по передаче права на недвижимость другому лицу.

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    П

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    ПДКП – предварительный договор купли-продажи. Это соглашение, по которому стороны обязуются подписать в будущем договор о передаче имущества (основной договор) в сроки и на условиях, оговоренных предварительным договором.

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    «Пентагон» – девятиэтажный дом 1970-х годов постройки, вариант «брежневки». Один фасад здания такого дома, со стороны подъездов, абсолютно плоский и не имеет балконов. Этим он напоминает американский Пентагон, что и породило прозвище. Квартиру в таком доме отличает узкая продолговатая кухня с маленьким окном. 

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    Первичка – новостройка.

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    Перегородка – стена в квартире, которая не является несущей. Ее можно убрать для перепланировки.

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    Переменная ставка процента – ставка процента по ипотечному кредиту, которая может быть изменена в течение срока действия кредитного договора.

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    «Пила» (дом-пила) – так называют блочный дом серии II-68-02, в котором балконы располагаются друг за другом и принимают треугольную форму, будто зубцы пилы.

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    Полуторка – однокомнатная квартира относительно большой площади и с отдельной кухней. Иногда – еще и с дополнительной нишей. Также так иногда называют «евродвушки» или маленькие двухкомнатные квартиры.

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    «Полька», польская планировка – так называют квартиры в девятиэтажных панельных домах, построенных по польскому проекту. Они имеют высоту потолка 2,65 м, одну или две кладовых, просторный балкон.

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    Получистовая отделка – квартира, в которую требуются вложения для ремонта и оформления интерьера.

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    Предчистовая отделка – это квартира, почти готовая к заселению. Жильцам остается сделать косметический ремонт. Подразумевает разводку электричества, установку входной двери, стяжки пола, монтаж отопления и гидроизоляции «мокрых зон».

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    Приватизация – бесплатная передача из фонда государства в собственность граждан жилого помещения, в котором они зарегистрированы, или земельного участка, которым они пользуются.

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    Прямая продажа, прямая сделка – максимально простая сделка купли-продажи, в которой участвуют только продавец и покупатель (не считая риелторов с любой из сторон). При этом никто из сторон сделки не взаимодействует в данный момент с другими объектами недвижимости.

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    Р

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    «Распашонка», «рубашка» – планировка квартиры, при которой окна комнат выходят на две противоположные стороны дома. К «распашонкам» относится типичная трехкомнатная хрущевка – квартира в форме рубашки, где наибольшая комната является проходной.

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    Расписка – письменный документ, удостоверяющий получение подписавшим его лицом чего-либо – например, авансового платежа. Составляется для подтверждения взятых на себя обязательств получателем. Форма документа предполагает указание персональных данных обеих сторон и подпись получателя средств.

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    Расторжение договора – прекращение действия договора по воле кого-либо из его участников. Может производиться по соглашению сторон или в судебном порядке, грозить уплатой неустойки или другими последствиями. Происходит обычно при отказе от исполнения договора одной стороной или нарушении условий договора другой. 

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    «Расческа» – см . «Гребенка».

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    Резерв – так обычно обозначается устное бронирование объекта недвижимости на некоторый срок. Иногда под резервом подразумевается то же, что и бронь.

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    С

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    Самовольная постройка, самострой – объект недвижимости, возведенный на земельном участке, не предназначенном для этих целей или не принадлежащем собственнику. Либо возведение здания с нарушением градостроительных норм и правил. В некоторых случаях лицо, которое произвело самовольную постройку, может позже стать обладателем права собственности на нее.

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    Свободная продажа – см. Прямая продажа.

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    Сделка – юридически значимое действие, направленное на изменение права на объект собственности. Документально подтверждается заключением сторонами договора.

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    «Серая башня» – так называют дома серии II-68-02/16м, облицовка которых изначально осуществлялась каменной крошкой.

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    Серая отделка – см. Предчистовая отделка.

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    «Скворечник» – так называют многоквартирный дом длиной не менее 4 подъездов и высотой от 12 этажей, имеющий тесную планировку квартир. Термин употребляется обычно в негативном значении.

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    «Cоб» – так риелторы называют между собой собственника недвижимости.

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    «Совок» – краткое описание квартиры, т.е. обычная квартира с мебелью советских времен.

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    «Сталинка» – общепринятое название квартир в домах, построенных во время нахождения у власти Сталина. Такие квартиры имеют большую площадь и высокие потолки, поэтому достаточно ценятся на рынке недвижимости.

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    «Студийка», квартира-студия – однокомнатная квартира без перегородок, отделяющих жилую комнату от кухни и коридора. Изолирован в такой квартире только санузел (чаще всего, совмещенный).

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    СУ, с/у – сокращенное обозначение санузла. СУР – это раздельный санузел, СУС – совмещенный.

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    Субаренда – передача арендованного имущества в дальнейшее пользование третьим лицам в рамках первичного договора аренды. Например, посуточная сдача квартиры, снятой на длительный срок, считается субарендой – если собственник не возражает против такого использования ее арендатором.

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    Т

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    «Трамвайчик» (квартира «трамвайчиком») – то же, что «вагончик».

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    ТСЖ – товарищество собственников жилья. Некоммерческая организация, обладающая правами по управлению МКД.

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    У

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    «Убитая квартира» – квартира, которая находится в плачевном состоянии и требует проведения полноценного ремонта или замены коммуникаций.

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    Улучшенная планировка, «улучшенка» – так обозначают квартиры, которые лучше «хрущевских», но немного хуже «новых планировок». То же, что «брежневка».

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    Уступка требования – сделка, по которой право (требование), принадлежащее кредитору (цеденту), переуступается третьему лицу (цессионарию). Чаще всего используется в рамках ДДУ.

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    Ф

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    Французский балкон – тип балкона, не имеющего собственной опорной площадки: балконное ограждение установлено в проеме снаружи, прямо перед дверью.

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    Х

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    «Хрущевка» – так называют квартиру в пятиэтажке, построенной по серийному проекту во времена Хрущева. Ее особенности: смежные комнаты, совмещенный санузел, кухня до 6 кв.м.

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    Ц

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    Целевое назначение земли – установленные нормативными актами ограничения по использованию земельного участка для конкретных целей.

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    Цессия – см. Уступка требования.

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    Ч

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    Черная (черновая) отделка – возведение в квартире только несущих стен. Коммуникации, в т.ч. электричество, подведены до входа в квартиру. Также установлена временная дверь, на полу нет стяжки.

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    «Чешка», чешская планировка – квартира в панельном доме, построенном по чешскому проекту. Включает обычно несколько балконов (или лоджий) и изолированных комнат. Являются хорошей альтернативой «брежневке», превосходят «польку» по общей площади.

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    Чистая продажа (сделка) – см. Прямая продажа. То же, что и свободная продажа.

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    Чистовая отделка – см. Отделка под ключ.

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    Ш

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    «Штанишки» – трехкомнатная угловая квартира.

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    Э

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    Эркер – часть помещения, выступающая за фасад здания, частично или полностью застекленная. 

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    Эскроу – употребляется в двух значениях: 1) Договор депонирования денежных средств, заключаемый между тремя сторонами – депонентом, бенефициаром и эскроу-агентом; 2) Счет в банке, который выступает гарантом сделки – эскроу-агентом. Часто используется для покупки квартиры у застройщика (бенефециара): средства покупателя (депонента) замораживаются на нем, и в случае недостроя или серьезной задержки возвращаются покупателю.

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    Ю

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    Юридическая чистота сделки, объекта – проведение проверки, в ходе которой устанавливают, что право собственности на недвижимость получено легальным путем, и на объект не наложено каких-либо обременений.

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    \n\n\n\n

    На платформе Pampadu размещены предложения по страховым, кадровым и банковским офферам. Например, риелторы могут получать КВ на страховании ипотеки. Оформляйте страховые полисы для своих клиентов и получайте вознаграждение в размере не менее 45 % от стоимости полиса!

    \n', 'Словарь риэлтора: термины и фразы в сфере недвижимости и их значения', 'В каждой отрасли человеческой деятельности существует свой профессиональный язык. Не исключение и риелторский бизнес. Словарь риелтора состоит не только из юридических терминов, но и включает специфический сленг.', 'publish', 'open', 'open', '', 'slovar-rieltora-terminy-i-frazy-v-sfere-nedvizhimosti-i-ih-znacheniya', '', '', '2023-08-23 10:33:17', '2023-08-23 10:33:17', '', 0, 'https://pampadu.ru/blog/?p=3556', 0, 'post', '', 0), (3557, 1, '2023-08-23 10:19:18', '2023-08-23 10:19:18', '', '1030х502-5 (14)', '', 'inherit', 'open', 'closed', '', '1030h502-5-14', '', '', '2023-08-23 10:19:18', '2023-08-23 10:19:18', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-5-14.jpg', 0, 'attachment', 'image/jpeg', 0), (3560, 13, '2023-08-23 11:30:54', '2023-08-23 11:30:54', '\n

    Курс доллара постоянно меняется, а размер вознаграждения за ипотечные полисы на Пампаду стабилен.
    Стабильно высок ?

    \n\n\n\n

    • Для сбербанка:

    Зетта - 55%
    Альфа - 50%
    Росгосстрах - 60%
    Пари - 50%
    Асболют - 50%
    Ренессанс - 50%
    Югория - 45%
    ВСК - 45%
    Энергогарант - 50%

    \n\n\n\n

    • Для ВТБ:

    Альфа - 15%
    Абсолют - 11,5%
    Ренессанс - 11%
    Югория - 10%

    \n\n\n\n

    Для других банков: 10-20%

    \n\n\n\n

    ? Добавьте еще сюда:

    \n\n\n\n
    1. зачисление вознаграждения сразу на баланс после оплаты полиса и моментальные выплаты для всех категорий пользователей;
    2. быстрое внесение изменений в уже купленный полис через нашу поддержку;
    3. возможность оформить любую ипотеку в любом банке через менеджера.
    \n\n\n\n

    Так получаются стабильно лучшие условия для оформления ипотечных полисов.

    \n\n\n\n

    ✔️ Проверено несколькими тысячами риелторов и агентов ежемесячно работающих через Пампаду.

    \n\n\n\n

    С любовью к лучшим условиям,
    команда Пампаду

    \n', 'Процент вознаграждения от стоимости полиса страхования ипотеки', 'На Пампаду лучшие условия для оформления ипотечных полисов.\nПодробности о проценте вознаграждения в данной статье. ', 'publish', 'open', 'open', '', 'protsent-voznagrazhdeniya-ot-stoimosti-polisa-strahovaniya-ipoteki', '', '', '2023-08-23 11:30:54', '2023-08-23 11:30:54', '', 0, 'https://pampadu.ru/blog/?p=3560', 0, 'post', '', 0), (3561, 1, '2023-08-23 11:29:13', '2023-08-23 11:29:13', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-133', '', '', '2023-08-23 11:29:13', '2023-08-23 11:29:13', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-23.png', 0, 'attachment', 'image/png', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3570, 13, '2023-08-23 12:40:40', '2023-08-23 12:40:40', '\n

    Среди наших пользователей много талантливых и трудолюбивых людей.
    Именно для такого кандидата у нас открылась вакансия.

    \n\n\n\n

    Мы ищем в команду специалиста технической поддержки пользователей на удаленную работу по будням дням: любой город и регион.

    \n\n\n\n

    График работы с 10:00 до 19:00 МСК в будние дни.
    (полный рабочий день)
    В субботу, воскресенье и праздничные дни - выходные.

    \n\n\n\n

    Если вы усидчивы, внимательны и любите помогать людям, а условия вакансии подходящие - тогда заполняйте анкету по ссылке ниже.

    \n\n\n\n

    ?ПОДРОБНОСТИ ВАКАНСИИ

    \n\n\n\n

    Поделитесь с коллегами и друзьями, если знаете, что им будет интересна эта вакансия, ведь мы готовы заплатить 30 000 руб. тому, кто посоветует подходящего кандидата, который к нам присоединится и пройдет испытательный срок.

    \n\n\n\n

    Будем рады вам в команде Пампаду

    \n', 'Открытая вакансия в Пампаду', 'Пампаду в поиске активных и целеустремленных специалистов, которые трудолюбивы в работе и не соглашаются на посредственные результаты.', 'publish', 'open', 'open', '', 'otkrytaya-vakansiya-v-pampadu-3', '', '', '2023-08-23 12:40:40', '2023-08-23 12:40:40', '', 0, 'https://pampadu.ru/blog/?p=3570', 0, 'post', '', 0), (3571, 1, '2023-08-23 12:37:56', '2023-08-23 12:37:56', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-35', '', '', '2023-08-23 12:37:56', '2023-08-23 12:37:56', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-1-7.png', 0, 'attachment', 'image/png', 0), (3573, 15, '2023-08-25 10:18:44', '2023-08-25 10:18:44', '\n

    Платформа партнерских программ Пампаду может стать вашим проводником в сфере реферального маркетинга. Риелторским агентствам и отдельным специалистам, работающим в сфере недвижимости, выгодно сотрудничать с нами, поскольку они располагают собственной базой клиентов. Это открывает большой простор для распространения офферов, представленных на нашей платформе.

    \n\n\n\n

    Электронные сделки – это удобный способ регистрации перехода прав на недвижимость. Покупателю и продавцу не требуется лично посещать отделение МФЦ. Это значительно экономит время, а если собственник находится в другом городе – еще и сокращает его расходы.

    \n\n\n\n

    Любые операции с собственностью вносятся в базу Росреестра, а права нового владельца официально закрепляются в Едином государственном реестре недвижимости (ЕГРН). Это касается купли-продажи, мены, дарения. 

    \n\n\n\n

    Оформление сделки теперь доступно онлайн и проводится через интернет. Сделать это можно через личный кабинет (ЛК) на сайте Росреестра или используя специальные сервисы. Рассказываем об особенностях и безопасности электронной регистрации договоров на недвижимость.

    \n\n\n\n

    Что включает процедура электронной регистрации

    \n\n\n\n

    Услуга электронной регистрации позволяет направить бумаги, подтверждающие права собственности, дистанционно. Для этого нужно заполнить заявление на регистрацию на сайте Росреестра и приложить стандартный пакет документов в электронном формате:

    \n\n\n\n\n\n\n\n

    В результате этого в ЛК на сайте Росреестра и ЛК на сайте ФНС появится запись о новой собственности, о чем вы получите уведомление по электронной почте. Туда же придет архив документов с электронной пометкой о государственной регистрации:

    \n\n\n\n\n\n\n\n

    Предоставленные правоустанавливающие документы будут зашифрованы в формате xml, поэтому прочитать их содержимое можно с помощью браузера или загрузив их на сайт Росреестра. При этом такой электронный документ имеет ту же законную силу, что и бумажный вариант. Но если вы хотите иметь на руках бумагу, заверенную Росреестром, то после проведения регистрации можно запросить выписку из ЕГРН, обратившись в МФЦ.

    \n\n\n\n

    Сопровождать электронные операции с недвижимостью в качестве риелтора можно через специализированные сервисы. К примеру, такие возможности предоставляют «Электронная регистрация» на Домклик и «Циан.Сделка».

    \n\n\n\n

    Что такое УКЭП и как ею пользоваться

    \n\n\n\n

    Электронная подпись (ЭП) позволяет подтвердить подлинность электронного документа. Заявление на удаленную регистрацию, подаваемое в Росреестр, необходимо подписать УКЭП. Так называют усиленную квалифицированную разновидность ЭП, обладающую дополнительными признаками защиты. Это файлы, в которых зашифрована персональная информация о владельце: сертификат для проверки ключа и ключевая пара (открытый и закрытый ключи).

    \n\n\n\n

    Для генерации УКЭП используются программы, сертифицированные ФСБ РФ, благодаря чему УКЭП нельзя подделать. УКЭП равнозначна собственноручной подписи, поэтому подписанный ею электронный документ имеет ту же юридическую силу, что и бумажный. 

    \n\n\n\n

    Получить УКЭП можно одним из следующих способов:

    \n\n\n\n
    1. Бесплатно через приложение «Госключ». У заявителя должен быть смартфон с функцией NFC и биометрический загранпаспорт.
    2. Через удостоверяющие центры, прошедшие аккредитацию Минцифры. Стоимость услуги и список необходимых для ее предоставления документов лучше уточнить в выбранном центре.
    3. Через сервисы проведения электронной регистрации сделок. При заказе их услуг, сертификаты УКЭП для всех участников сделки выпускаются бесплатно.
    \n\n\n\n

    Для каких сделок применяется электронная регистрация

    \n\n\n\n

    Услуга электронного оформления подходит практически для любых операций с недвижимостью:

    \n\n\n\n\n\n\n\n

    Электронную регистрацию (ЭР) используют и для других операций – например, рефинансирования ипотеки или оформления кредита под залог недвижимости. Для этого клиенты могут воспользоваться специальным сервисом банка-кредитора.

    \n\n\n\n

    Где можно оформить электронную сделку

    \n\n\n\n

    Провести ЭР самостоятельно можно на сайте Росреестра. Но такая процедура требует определенных навыков и юридической грамотности.

    \n\n\n\n

    Специальные сервисы упрощают проведение и оплату сделок с недвижимостью, автоматизируют отправку данных в Росреестр, а также позволяют быстрее получить ответ по сделке. Пользоваться ими могут застройщики, банковские организации, агентства недвижимости, риелторы и брокеры, а также рядовые покупатели.

    \n\n\n\n

    Перечислим наиболее известные сервисы для проведения дистанционных сделок с недвижимостью:

    \n\n\n\n\n\n\n\n

    Услугу электронной регистрации прав на собственность сейчас оказывают многие банки. Некоторые из них даже готовы снизить ставку по кредиту за цифровую регистрацию ипотечной сделки.

    \n\n\n\n

    Клиенты, которые предпочитают консервативный способ заключения сделки, могут оформить договор через «Циан.Сделку», посетив любое отделение банка ВТБ. При проведении сделки через банк можно воспользоваться сервисом безопасных расчетов (СБР). Услуга заключается том, что деньги покупателя хранятся под надежной защитой и передаются продавцу только после регистрации перехода права собственности к покупателю.

    \n\n\n\n

    Как проходит процедура электронной регистрации

    \n\n\n\n

    Процесс регистрации состоит из следующих шагов:

    \n\n\n\n
    1. Получите УКЭП и установите на компьютере плагин для браузера IFCPlugin, позволяющий использовать ее на веб-сайтах.
    2. Если УКЭП выдана не Росреестром, подайте туда заявление о возможности применения УКЭП для подписи документов.
    3. Авторизовавшись через Госуслуги, войдите в ЛК на сайте Росреестра. Выберете услугу «Регистрация права собственности». 
    4. Заполните и подпишите заявление, прикрепите к нему документы в электронном формате и отправьте на рассмотрение.
    5. Дождитесь уведомления о рассмотрении документов. Если обнаружатся ошибки или нехватка каких-то документов, то в регистрации будет отказано или регистратор затребует недостающие документы.
    6. Дождитесь ответа из Росреестра с реквизитами для оплаты госпошлины и проведите платеж.
    \n\n\n\n

    Электронную сделку купли-продажи можно проводить через нотариуса. В этом случае покупателю и продавцу достаточно иметь простые ЭП – в связи с тем, что нотариус заверяет документы своей УКЭП.

    \n\n\n\n

    Сколько времени уйдет на электронную регистрацию

    \n\n\n\n

    Главное отличие электронной регистрации – быстрое оформление, не требующее личного посещения офиса. Регистрация традиционной сделки в МФЦ может занять до 7 рабочих дней и потребует как минимум 2 визита: для подачи заявления и чтобы забрать готовые документы.

    \n\n\n\n

    Электронная сделка, от предоставления документов до получения их зарегистрированной версии, занимает, в среднем, 3 рабочих дня. Электронная регистрация в Московской области проходит за 1 рабочий день, а в столице – в пределах 5.

    \n\n\n\n

    Сколько стоит услуга электронной регистрации

    \n\n\n\n

    Если физлицо самостоятельно регистрирует сделку на сайте Росреестра, ему нужно оплатить только госпошлину суммой 2 000 рублей. 

    \n\n\n\n

    Услугу ЭР также можно заказать в риелторской компании, у застройщика или в выбранном банке. Стоимость онлайн-регистрации зависит от тарифов сервиса и условий конкретной сделки. В цену уже включена госпошлина, выпуск УКЭП для всех участников сделки, сопровождение регистрации и ряд дополнительных услуг

    \n\n\n\n

    Стоимость этой услуги в Домклик начинается от 8 600 руб. и ее можно включить в сумму ипотечного кредита. По тарифам сервиса «Циан.Сделка» оформление будет стоить от 5 900 руб., не считая дополнительных услуг. Например, услуга СБР через Тинькофф или ВТБ обойдется еще в 1 000 рублей, аккредитив от Сбербанка – в 2 000 руб.

    \n\n\n\n

    Документы для оформления электронной сделки

    \n\n\n\n

    Условия оформления прав собственности зависят от типа сделки с недвижимостью. Перечень документов может отличаться для разных случаев – например, сделка может проводиться с ипотекой или без нее.

    \n\n\n\n

    В общем случае перечень документов для подачи следующий:

    \n\n\n\n\n\n\n\n

    В каких случаях электронная регистрация недоступна

    \n\n\n\n

    Несмотря на все удобство электронной регистрации сделок, такие действия могут быть ограничены в некоторых случаях.

    \n\n\n\n

    Наиболее часто встречаются такие проблемы:

    \n\n\n\n\n\n\n\n

    Также электронную сделку не удастся провести, если собственник установил запрет на проведение операций с недвижимостью без своего личного участия (в случае, если от его имени выступает доверенное лицо).

    \n\n\n\n

    Зарабатывай вместе с Пампаду!

    \n\n\n\n

    Риелтор, который стал партнером нашей платформы, может получать дополнительный доход на оформлении страховых и финансовых офферов. Каждый агент Пампаду получает комиссионные выплаты за выполнение целевых действий.

    \n\n\n\n

    К примеру, вы можете помогать клиентам страховать ипотечную собственность. На нашем сервисе можно подобрать страховку практически для любого объекта недвижимости. Например, на портале Pampadu можно оформить страхование для старого жилого фонда, в т.ч. домов после 1945 года постройки. Мы сотрудничаем более чем с 30 страховыми компаниями и банками, поэтому вы всегда найдете подходящий вариант. При этом полисы, оформленные с помощью Pampadu, будут стоить для вашего клиента на 20-40 % дешевле.

    \n', 'Электронная регистрация права собственности: что это и как работает', 'Электронные сделки – это удобный способ регистрации договоров на недвижимость. Такая форма оформления упрощает покупку собственности: стороны сделки могут находиться в любом месте и даже у себя дома. Рассказываем об особенностях проведения дистанционных сделок.', 'publish', 'open', 'open', '', 'elektronnaya-registratsiya-prava-sobstvennosti-chto-eto-i-kak-rabotaet', '', '', '2023-08-25 10:18:44', '2023-08-25 10:18:44', '', 0, 'https://pampadu.ru/blog/?p=3573', 0, 'post', '', 0), (3574, 1, '2023-08-25 10:15:53', '2023-08-25 10:15:53', '', '1030х502-3 (13)', '', 'inherit', 'open', 'closed', '', '1030h502-3-13', '', '', '2023-08-25 10:15:53', '2023-08-25 10:15:53', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-3-13.jpg', 0, 'attachment', 'image/jpeg', 0), (3576, 15, '2023-08-25 10:23:48', '2023-08-25 10:23:48', '\n

    СМС-рассылка – это вид директ-мейла. В России применение этого маркетингового инструмента не является новым. СМС-рассылка стала не только способом связи с аудиторией, но и источником заработка. 

    \n\n\n\n

    Отправляя рекламные сообщения, люди получают дополнительный доход. На незнакомых сайтах можно нарваться на мошенников. Сотрудничество с Помпаду не несет рисков. Здесь условия законны и легальны. Главное – понять, что такое заработок на СМС и с чего нужно начинать. 

    \n\n\n\n

    Заработок на SMS-рассылках в 2023 году

    \n\n\n\n

    Помпаду предоставляет зарегистрированным пользователям возможности для получения дополнительного дохода. Можно одновременно быть страховым агентом и арбитражником. 

    \n\n\n\n

    Чтобы понять, как зарабатывать на СМС, разберемся с терминами.

    \n\n\n\n

    Арбитражник на Помпаду – человек, который распространяет или размещает рекламу на товары или услуги. За регистрацию новых пользователей или сделку арбитражник получает вознаграждение. То есть, агент, брокер и любой желающий может зарабатывать на СМС, рекламируя услуги партнеров. 

    \n\n\n\n

    СМС-рассылка появилась почти вместе с мобильными телефонами. Даже спустя 20 лет этот маркетинговый инструмент популярен.

    \n\n\n\n

    Сейчас люди предпочитают пользоваться WhatsApp, Teleqram, Viber. Компании информацию об акциях, скидках, предложениях стали присылать через мессенджеры. Но и СМС не ушли в прошлое. Рекламные сообщения используют банки, сотовые компании, маркетплейсы и другие компании. Они отправляют уведомления о платежах, заказах, акционных предложениях. 

    \n\n\n\n

    На фоне Интернет-спама в WhatsApp больше шансов, что человек откроет СМС-сообщение в мобильном телефоне. Смартфоны всегда под рукой, а уведомление отображается на дисплее.

    \n\n\n\n

    Такой способ связи с клиентом по-прежнему приносит доход. Результаты рассылок во многом зависят от того, что в них рекламируют. Когда человеку присылают информацию о товарах или услугах, которые его не интересуют, то такие сообщения вызывают раздражение. Например, пожилой женщине будет постоянно приходить реклама ночного клуба. 

    \n\n\n\n

    Для некоторых категорий товаров этот инструмент маркетинга бесполезный. Маленькая вероятность, что на СМС-сообщение с предложением приобрести люксовый автомобиль стоимостью 20 млн. рублей откликнется много желающих. Даже, если часть пользователей мобильных телефонов из любопытства перейдет по ссылке, воронка продаж работать не будет. 

    \n\n\n\n

    Главная цель рекламы – подтолкнуть клиента совершить покупку. В СМС-рассылках нужно в первую очередь ориентироваться на целевую аудиторию. Она бывает горячей – это те люди, кто хотя бы раз совершал покупку или оплачивал услугу на сайте, теплой – заинтересованные лица, зарегистрированные пользователи, и холодной – это потенциальные клиенты, которые пока не знают о компании. 

    \n\n\n\n

    Плюсы и минусы СМС-рассылок

    \n\n\n\n

    По статистике 45% покупок люди совершают с помощью мобильного телефона. Через Интернет приобретают товары, оплачивают услуги, оформляют кредит, подают заявку на получение ипотеки, продлевают страховки. 

    \n\n\n\n

    СМС-рассылки о сервисах Помпаду позволяют работать с холодной, теплой и горячей аудиторией.

    \n\n\n\n

    У рекламы услуг партнеров есть ряд преимуществ. С Помпаду сотрудничает большинство страховых компаний, известных банков и финансовых организаций. Они продают своим клиентам кредитные карты, ипотеки, страховки – все то, что актуально для взрослого населения. Сейчас каждый второй житель пользуется кредитками, многие берут ипотеки, которые требуют обязательного страхования имущества. Поэтому предложения партнеров могут заинтересовать потенциальных клиентов. Рекламировать такие услуги не сложно и прибыльно. 

    \n\n\n\n

    Преимущества СМС-рассылок:

    \n\n\n\n\n\n\n\n

    Недостатки СМС-рассылок

    \n\n\n\n

    Из минусов - рассылка может оказаться незаконной. Конечно, мало кто свое недовольство доведет до суда. Но лучше формировать списки из пользователей, которые при регистрации на сайте давали согласие на отправку уведомлений.

    \n\n\n\n

    Советы, которые помогут заработать на СМС

    \n\n\n\n

    Чтобы настроить SMS-рассылку, нужно правильно сформировать клиентскую базу с номерами мобильных телефонов потенциальных клиентов. Для начала необходимо разделить список на контакты горячей, теплой и холодной аудитории. Для каждой категории получателей рекламное сообщение должно быть свое, и его нужно продумать до мелочей. 

    \n\n\n\n

    Получить контакты горячей и теплой аудитории проще всего. Обычно номера телефонов есть в базе клиентов или зарегистрированных пользователей. 

    \n\n\n\n

    С холодной аудиторией сложнее. Здесь СМС-рассылка происходит случайным образом. Можно обратиться к экспертам, которые помогут сформировать список телефонов получателей сообщения. В этом случае лучше ориентироваться на портрет потенциального клиента, который включает пол, возраст, уровень заработной платы, сферу деятельности.

    \n\n\n\n

    В рекламном сообщении холодную аудиторию заинтересуют выгодные предложения, цена, скидка, приятные бонусы. Еще один способ обеспечить воронку продаж – привлечь к делу постоянных покупателей, предложить им скидку за каждого приведенного друга.

    \n', 'Заработок на SMS-рассылках в 2023 году', 'СМС-рассылка – это вид директ-мейла. В России применение этого маркетингового инструмента не является новым. СМС-рассылка стала не только способом связи с аудиторией, но и источником заработка.', 'publish', 'open', 'open', '', 'zarabotok-na-sms-rassylkah-v-2023-godu', '', '', '2023-08-25 10:23:48', '2023-08-25 10:23:48', '', 0, 'https://pampadu.ru/blog/?p=3576', 0, 'post', '', 0), (3577, 1, '2023-08-25 10:22:09', '2023-08-25 10:22:09', '', '1030х502-2 (12)', '', 'inherit', 'open', 'closed', '', '1030h502-2-12-2', '', '', '2023-08-25 10:22:09', '2023-08-25 10:22:09', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-2-12.jpg', 0, 'attachment', 'image/jpeg', 0), (3579, 13, '2023-08-25 10:28:05', '2023-08-25 10:28:05', '\n

    Риски игнорирования налоговых обязательств чересчур высоки. Утаивать от государства собственный заработок небезопасно, невыгодно. Если игнорировать арбитраж налоги, можно получить штраф, равный 20-40% от заработка. Кроме того, предусматривают уголовную ответственность за большие неуплаченные суммы. Еще уголовная ответственность предусмотрена для тех, кто умышленно уклоняется от уплаты налоговых сборов несколько лет. Так как Пампаду позволяет арбитражникам зарабатывать, пользователю сервиса стоит знать все об уплате налоговых сборов. 

    \n\n\n\n

    Как узнают о доходах арбитражника? 

    \n\n\n\n

    Налоговики получают сведения от банков, передающих информацию в ФНС. Банки обязаны это делать. Случайную проверку выполняют при заработке на арбитраже с налогами, если: 

    \n\n\n\n\n\n\n\n

    Хватит 2 перечисленных условий для инициирования проверки. Кроме того, проверку выполняют, если на вебмастера пожаловались в ФНС. К примеру, такое случается при жалобе недовольного рекламодателя. 

    \n\n\n\n

    Как уменьшить налог

    \n\n\n\n

    Очевидно, что уклонение от уплаты налогового сбора невозможно. Однако платить 13% от заработка мало кому хочется. Такой процент налоговых отчислений установлен для физических лиц. Это серьезная часть дохода. Кроме того, необходимо каждый год оформлять декларацию обо всем заработке в ФНС. После этого нужно ожидать начисления налогового сбора, выполнять уплату. За 12 мес. получается серьезная сумма, которую за раз сложно уплатить. Это означает, что арбитражнику понадобится откладывать деньги на налоговый сбор каждый месяц. 

    \n\n\n\n

    Однако вебмастер может избавить себя от обозначенной проблемы. Решение проблемы – оформление статуса самозанятого. Преимущества самозанятости таковы: 

    \n\n\n\n\n\n\n\n

    Также к плюсам самозанятости относят простое оформление. Алгоритм приобретения статуса следующий: 

    \n\n\n\n
    1. Загрузите программу «Мой налог». 
    2. Пройдите регистрацию. 
    3. Укажите банк, через который будете получать деньги. 
    \n\n\n\n

    Стать самозанятым можно буквально за 10 мин. 

    \n\n\n\n

    Минус самозанятости - годовой заработок  не должен превышать 2 400 000 руб. В таком случае понадобится уплачивать налоговый сбор, равный 13%. Также к минусам самозанятости относят невозможность найма работников. При командной работе рекомендуется зарегистрироваться в качестве индивидуального предпринимателя и уплачивать налог 6% по упрощенке. Однако в таком случае понадобится уплачивать обязательные страховые платежи на себя, работников. С заработной платы работников отчисляют 13% НДФЛ, ведут бухгалтерский учет. 

    \n\n\n\n

    Как Пампаду упрощает работу арбитражника

    \n\n\n\n

    Пампаду самостоятельно делает чеки при каждой выплате. Они появляются на платформе в подразделе «Выплаты» личного кабинета, в программе «Мой налог». Чек подтверждает оказание услуги «Маркетинг и реклама». Арбитражнику не требуется формировать чек. 

    \n\n\n\n

    Еще сервис избавляет вебмастера от необходимости выполнять расчет налогового сбора. Делать это можно лишь в целях самоконтроля. Складывая созданные чеки, налоговики будут понимать, какой заработок у арбитражника. Налоговая сама рассчитает и отобразит сроки оплаты, размер налога (6% от дохода). При этом Пампаду компенсирует расходы на уплату налогового сбора. 

    \n\n\n\n

    Ежемесячно до 12-го числа арбитражнику поступает оповещение в SMS и «Моем налоге». В уведомлении показан размер налогового сбора за прошлый месяц. Перейдя в программу и нажав на клавишу оплаты, арбитражник уплатит налоговый сбор. 

    \n\n\n\n

    О сервисе 

    \n\n\n\n

    Платформа предлагает арбитражникам несколько важных преимуществ. Достоинства Pampadu таковы: 

    \n\n\n\n\n\n\n\n

    Зарабатывать с Пампаду может каждый вебмастер. Зарегистрируйтесь и войдите в аккаунт, а затем ознакомьтесь со списком доступных офферов. После выбора предложения распространяйте партнерскую ссылку по каналам, которые доступны, например, в соцсетях.

    \n', 'Как арбитражнику платить налоги', 'Когда речь заходит про арбитраж налоги, то проще платить, чем игнорировать налоговые обязательства. Арбитражнику стоит подробно разобраться в вопросе, изучив представленную статью. ', 'publish', 'open', 'open', '', 'kak-arbitrazhniku-platit-nalogi', '', '', '2023-08-25 10:28:05', '2023-08-25 10:28:05', '', 0, 'https://pampadu.ru/blog/?p=3579', 0, 'post', '', 0), (3580, 1, '2023-08-25 10:27:06', '2023-08-25 10:27:06', '', '1030х502-3 (14)', '', 'inherit', 'open', 'closed', '', '1030h502-3-14', '', '', '2023-08-25 10:27:06', '2023-08-25 10:27:06', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-3-14.jpg', 0, 'attachment', 'image/jpeg', 0), (3582, 13, '2023-08-25 11:04:32', '2023-08-25 11:04:32', '\n

    Друзья, мы расширили возможности виджетов как для профессионалов, так и для новичков, которые хотят зарабатывать больше на привлечении трафика или рекомендации Пампаду.

    \n\n\n\n

    Знакомьтесь с обновлениями:

    \n\n\n\n

    • добавлены HR офферы;

    \n\n\n\n

    • добавлены новые настройки для кастомизации;

    \n\n\n\n

    • улучшена производительность и скорость загрузки.

    \n\n\n\n

    Повышайте свой заработок с помощью виджетов и витрин Пампаду, легко интегрируйте и запускайте продажи полисов ОСАГО, Ипотеки, банковских и HR продуктов на своем сайте или в приложении.

    \n\n\n\n

    С любовью к своему делу,
    Команда Пампаду ?

    \n', '? Встречайте: Обновление виджетов на Пампаду', 'Благодаря изменениям вы сможете зарабатывать больше на привлечении трафика или рекомендации Пампаду', 'publish', 'open', 'open', '', 'vstrechajte-obnovlenie-vidzhetov-na-pampadu', '', '', '2023-08-25 11:04:32', '2023-08-25 11:04:32', '', 0, 'https://pampadu.ru/blog/?p=3582', 0, 'post', '', 0), (3583, 1, '2023-08-25 11:04:03', '2023-08-25 11:04:03', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-134', '', '', '2023-08-25 11:04:03', '2023-08-25 11:04:03', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-24.png', 0, 'attachment', 'image/png', 0), (3585, 13, '2023-08-25 12:05:31', '2023-08-25 12:05:31', '\n

    Коллеги! Знаем, что вам этого сильно не хватало и вы были услышаны.

    \n\n\n\n

    Мы рады сообщить о важном обновлении в финансовой и HR вертикали, которое позволит вам более эффективно работать на платформе.

    \n\n\n\n

    Сегодня мы добавили возможность создавать индивидуальные ссылки для ваших клиентов, а это значит, что теперь, вы сможете отслеживать статику по заявкам в разрезе своих клиентов, коммуницировать с ними и увеличивать свои продажи!

    \n\n\n\n

    Как пользоваться новым инструментом рассказали в статье по ссылке ? здесь

    \n\n\n\n

    ? Также спешим напомнить, что по офферу Кредитная карта 180 дней без % от Газпромбанка до конца августа действует акция - 180 дней на всегда и без условий.
    Зарабатывайте 7600 р. за каждую выданную кредитную карту!

    \n\n\n\n

    Желаем успешных продаж!

    \n', 'Добавлена новая супер сила', 'Важное обновление в финансовой и HR вертикали, которое позволит вам более эффективно работать на платформе', 'publish', 'open', 'open', '', 'dobavlena-novaya-super-sila', '', '', '2024-02-14 14:08:32', '2024-02-14 11:08:32', '', 0, 'https://pampadu.ru/blog/?p=3585', 0, 'post', '', 0), (3586, 1, '2023-08-25 11:49:46', '2023-08-25 11:49:46', '', '1030х502 (1)', '', 'inherit', 'open', 'closed', '', '1030h502-1-36', '', '', '2023-08-25 11:49:46', '2023-08-25 11:49:46', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-1-8.png', 0, 'attachment', 'image/png', 0), (3589, 13, '2023-08-28 10:00:32', '2023-08-28 10:00:32', '\n

    ?Для корректной работы приложения необходимо установить обновление.
    Новая версия доступна в Google Play по поиску Пампаду или по ссылке здесь

    \n\n\n\n

    Также для скачивания доступен ➡️ файл АПК

    В App Store обновление находится на рассмотрении, мы дополнительно сообщим, когда оно станет доступно.

    \n\n\n\n

    Продолжайте зарабатывать на Пампаду со смартфона!

    \n', '? Обновите приложение Пампаду на Android', 'В App Store обновление находится на рассмотрении, мы дополнительно сообщим, когда оно станет доступно', 'publish', 'open', 'open', '', 'obnovite-prilozheniya-pampadu-na-android', '', '', '2024-02-14 14:08:19', '2024-02-14 11:08:19', '', 0, 'https://pampadu.ru/blog/?p=3589', 0, 'post', '', 0), (3590, 1, '2023-08-28 10:00:13', '2023-08-28 10:00:13', '', '1030х502 для андроид', '', 'inherit', 'open', 'closed', '', '1030h502-dlya-android', '', '', '2023-08-28 10:00:13', '2023-08-28 10:00:13', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-dlya-android.jpg', 0, 'attachment', 'image/jpeg', 0), (3592, 13, '2023-08-28 11:59:01', '2023-08-28 11:59:01', '\n

    Некоторым нашим пользователям выпала возможность поучаствовать в пилоте и продавать продукты банка в офлайне.
    В рамках нашего сотрудничества с банком Тинькофф, пользователям были доставлены дебетовые и кредитные карты банка, которые они теперь смогу выдавать самостоятельно у себя в офисах, на торговых точках и т.д.

    \n\n\n\n

    По результатам пилота ожидаем улучшения воронки по продуктам банка.

    \n\n\n\n

    Ставьте реакции , если вы хотели бы также начать продавать карты банков в офлайне

    \n', '? Запустили пилотный проект с банком Тинькофф', 'Пилотный проект с банком Тинькофф запущен', 'publish', 'open', 'open', '', 'zapustili-pilotnyj-proekt-s-bankom-tinkoff', '', '', '2024-02-14 14:09:06', '2024-02-14 11:09:06', '', 0, 'https://pampadu.ru/blog/?p=3592', 0, 'post', '', 0), (3593, 1, '2023-08-28 11:58:31', '2023-08-28 11:58:31', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-135', '', '', '2023-08-28 11:58:31', '2023-08-28 11:58:31', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-25.png', 0, 'attachment', 'image/png', 0), (3597, 15, '2023-08-28 12:43:39', '2023-08-28 12:43:39', '\n

    Сервис партнерских программ Pampadu – это возможность для риелторов и агентств недвижимости получать дополнительный доход на распространении финансовых и страховых офферов. Зарабатывать с нами сможет любой – за каждым агентом закрепляется свой персональный наставник, который поможет разобраться в работе на платформе.

    \n\n\n\n

    Спрос на недвижимость – это не абстрактный показатель, а вполне закономерная величина. Опытный риелтор всегда сможет извлечь выгоду из любой ситуации на рынке, а также спрогнозировать дальнейшее развитие событий.

    \n\n\n\n

    Специалисты Пампаду изучили динамику изменения спроса в 2023 году на первичном и вторичном рынках жилья. По результатам аналитики мы подготовили для вас обзор на тему, как менялся покупательский интерес на недвижимость и какие прогнозы дают эксперты до конца года.

    \n\n\n\n

    Как менялся спрос на недвижимость в первом полугодии 2023 года

    \n\n\n\n

    В начале года аналитики могли видеть продолжение ажиотажа на новостройки, который возник в четвертом квартале 2022 года. Наряду с этим, заявления о сворачивании программ льготной ипотеки и ограничении субсидирования застройщиков привели к росту цен на новостройки. 

    \n\n\n\n

    На стоимость первичной недвижимости повлияли также прогнозы роста необходимых инвестиций в связи с ослаблением национальной валюты. Таким способом девелоперы пытались защитить свои активы и получить максимальную выгоду из повышенного покупательского интереса.

    \n\n\n\n

    Однако повышение спроса на первичную недвижимость в конце прошлого года было кратковременным, и уже в феврале 2023 года покупательская активность пошла на спад, как и цены на недвижимость. Но в ряде регионов цены на первичку в январе все еще продолжали расти, а спад начался только в феврале-марте.

    \n\n\n\n

    В июне ряд обозревателей высказали мнение о том, что лимиты льготной ипотеки практически исчерпаны, а значит, льготные ипотечные программы могут завершиться уже осенью. Это снова вызвало бурную реакцию у населения и опять привело к некоторому повышению цен на первичную недвижимость. Такой резкий скачок цен на новостройки можно назвать реакцией рынка на повышение уровня экономической неопределенности. В том числе и насчет срока действия льготных программ ипотеки. Если лимиты государственных программ будут повышены, то и неопределенность значительно спадет. 

    \n\n\n\n

    Но в этот раз увеличение цен существенно уменьшило покупательскую активность. Возникла весомая просадка продаж первички и на какой-то момент рынок новостроек практически встал. 

    \n\n\n\n

    Поскольку околунулевая ипотека была отменена еще весной 2023 года, к лету многие заемщики уже переключились на рынок вторичной недвижимости. С 1 мая Центробанк повысил надбавки по ипотеке с низким первоначальным взносом, а с 30 мая – ввел ограничения в отношении ипотечных программ с экстремально низкими ставками.

    \n\n\n\n

    Кроме того, ажиотаж на рынке первичной недвижимости привел к борьбе за покупателей между рынками новостроек и готового жилья. В итого стоимость жилья на вторичном рынке с начала года начала снижаться в большинстве субъектов РФ. 

    \n\n\n\n

    Этому способствовало также повышение интереса покупателей к другим категориям жилья – как к первичной недвижимости, так и к ИЖС. В этой ситуации высокая неопределенность привела к снижению стоимости вторичной жилплощади в начале этого года. Однако уже с марта снова наблюдалось умеренное повышение цен на вторичку, вызванное резким интересом потребителей к ипотечному кредитованию.

    \n\n\n\n

    В июне цены на вторичное жилье значительно возросли. Такая тенденция прослеживалась во всех крупнейших регионах РФ и была вызвана, прежде всего, повышением покупательской активности. Этому способствовали заявления о возможном повышении ключевой ставки Центробанка, которое в итоге случилось в июле этого года.

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    Что произошло в июле-августе

    \n\n\n\n

    21 июля ключевая ставка была повышена Центробанком в целях ограничения рисков до 8,5 %. А уже 15 августа на экстренном заседании в связи с обвалом рубля на бирже она была поднята до 12 % годовых.

    \n\n\n\n

    После изменения правительством ключевой ставки повышенную активность проявили покупатели с одобренной ипотекой. Спрос на жилье возрос за счет клиентов, которые получили согласие банка до поднятия ключевой ставки. Ведь по ранней, более выгодной ставке они могут оформить ипотечный кредит примерно до середины сентября. Это заставило заемщиков быстрее принимать решение и сильно увеличило спрос на жилье.

    \n\n\n\n

    Сейчас покупатели вносят задаток по объектам, которые раньше мало кого интересовали – из-за того, что имели какие-то недостатки технического характера, различные нюансы обустройства. Эксперты отмечают, что с рынка стал уходить неликвид. Также можно заметить, что хорошие предложения быстро снимают с продажи. При этом владельцы жилья и не думают делать покупателям скидки, которые были возможны еще пару месяцев назад.

    \n\n\n\n

    Повышение Центробанком ключевой ставки с 8,5 до 12 % повлияло и на первичный рынок недвижимости. Было отмечено повышение спроса на спрос на жилье в новостройках более чем на 50 %. Такие действия вызваны скорее психологическим эффектом – условия программы льготной ипотеки на новостройки, стартовавшей в 2020 году, продолжают действовать.

    \n\n\n\n

    Семьи, которые откладывали покупку жилья, возвращаются к этому вопросу. А инвесторы хотят сохранить свои сбережения, оперативно вложив их в недвижимость. В то же время, по заявлениям правительства, условия льготных программ господдержки будут сохранены, изменение ставок по ним не планируются.

    \n\n\n\n

    На деле мы видим, что это не совсем так. К примеру, из-за повышения ключевой ставки 25 августа этого года банки временно приостановили выдачу новых ипотечных кредитов по программе «Сельская ипотека», действовавшей с 2020 года.

    \n\n\n\n

    Что станет со спросом и ценами на жилье осенью

    \n\n\n\n

    Участники рынка пришли к выводу, что нетипичная покупательская активность на рынке продлится недолго. Однако показатели августовских продаж будут не меньше июльских. Это обусловлено тем, что у многих потенциальных покупателей еще имеются на руках одобрения на ипотеку, полученные еще до повышения ключевой ставки в июле. Поскольку соотношение поданных и одобренных заявок находится на рекордном уровне, далеко не все успели реализовать такую возможность.

    \n\n\n\n

    Однако новым клиентам банки уже стали предлагать ипотечное кредитование под 12-15 %, что, несомненно, изменит картину на рынке недвижимости в сентябре. Для многих семей ипотека под 14 % годовых – останавливающий фактор, замедляющий принятие решения. Не исключено и повышение минимального размера первоначального взноса, которое еще больше усугубит ситуацию для покупателей.

    \n\n\n\n

    В новых условиях спрос начнет смещаться со вторички на жилье в новостройках, на которое пока сохранены программы по низким ставкам кредитования. В нынешних условиях эта разница примерно двукратная – 14-15 % на вторичное жилье против 5-8 % на новостройки. Такие тенденции, несомненно, будут стимулировать спрос на первичном рынке. Однако не все так однозначно – примерно 30 % покупателей новостроек перед заключением договора планируют продать собственную жилплощадь. А это значит, что от ситуации на вторичном рынке будут зависеть сроки покупки недвижимости на первичном.

    \n\n\n\n

    На сегодняшний день предложений готового жилья от застройщиков мало, поэтому этот сегмент нельзя считать альтернативой вторички для семей, которые ищут жилье для переезда. Квартиры, которые только строятся, их не устроят. Кроме того, не исключено, что падение спроса на вторичном рынке приведет к снижению стоимости такого жилья и ситуация на рынке выровняется.

    \n\n\n\n

    По прогнозам экспертов дальнейшая ситуация на рынке будет зависеть от политики Центробанка и общего состояния экономики. В дальнейшем просадка ипотечного спроса неизбежна. 

    \n\n\n\n

    Вероятнее, в связи с ситуацией на рынке девелоперы в ближайшее время будут отдавать преимущество продажам объектов в высокой стадии готовности. Соответственно, снизится число предложений квартир, находящихся на начальной стадии строительства. От колебания курса доллара зависит стоимость строительства, поэтому застройщикам сейчас будет сложно спрогнозировать цену готового объекта и невыгодно так рисковать.

    \n\n\n\n

    Не стоит сбрасывать со счетов влияние государственных программ льготной ипотеки и субсидирования. Так, в четвертом квартале 2023 планируется запуск программы арктической ипотеки, разработанной по аналогии с программой, действующей в Дальневосточном федеральном округе с 2019 года. 

    \n\n\n\n

    В целом период подъема рынка неизбежно сменяется спадом, а после таких существенных изменений на ипотечном рынке падение спроса неминуемо. Так что эксперты сходятся на мнении, что в октябре-ноябре стоит ждать значительной просадки покупательского спроса.

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    Как риелтору расширить свои возможности?

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    Для эффективного продвижения своего бренда на рынке недвижимости риелтору недостаточно оказывать стандартный пакет услуг и быть экспертом в своей области. Необходимо привлекать клиентов дополнительными бонусами, которые станут еще одним вашим конкурентным преимуществом.

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    Клиенты ценят время и никогда не откажутся от скидки. Но это не значит, что риелтору нужно занижать стоимость услуг – предложите им сэкономить время и силы на подборе страховки ипотечного жилья. Клиент получит полис по цене ниже на 20-40 %, чем в банке, а вы – вознаграждение от компании-партнера. Эти и множество других возможностей вы найдете на платформе Pampadu!

    \n', 'Спрос на квартиры и недвижимость в 2023 году', 'Спрос на недвижимость – это зависимость покупательского интереса от колебаний на имущественном рынке и изменений в правовом поле. Рынок постоянно меняется, поэтому задача эксперта прогнозировать спад или подъем спроса. Рассказываем, какие изменения произошли в 2023 году.', 'publish', 'open', 'open', '', 'spros-na-kvartiry-i-nedvizhimost-v-2023-godu', '', '', '2023-08-28 12:43:39', '2023-08-28 12:43:39', '', 0, 'https://pampadu.ru/blog/?p=3597', 0, 'post', '', 0), (3598, 1, '2023-08-28 12:40:53', '2023-08-28 12:40:53', '', '1030х502-2 (13)', '', 'inherit', 'open', 'closed', '', '1030h502-2-13-2', '', '', '2023-08-28 12:40:53', '2023-08-28 12:40:53', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-2-13.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3600, 13, '2023-08-28 12:59:22', '2023-08-28 12:59:22', '\n

    Пампаду дает возможность арбитражникам зарабатывать на пользователях, которые совершают целевые действия. Последние – это приобретение товара, подписка на паблик в социальной сети, рассылку. Узнать больше о том, что такое конверсия, читайте в статье. 

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    Зачем вычисляют конверсию

    \n\n\n\n

    Говоря, конверсия это что такое простыми словами, отмечают – показатель зависит от количества людей, которые приходят за покупками. У пользователей был первичный запрос, например, купить новый стол. После этого человек узнал о конкретном магазине, изучил ассортимент и оформил заказ. 

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    На каждой из указанных стадий могут быть как удачные, так и неуспешные действия со стороны магазина. Выполнив анализ действий и последствий, компания рассчитывает конверсию, делает выводы. 

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    Что дает вычисление онлайн конверсии

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    Говоря, конверсия это что, отмечают – она обеспечивает следующее: 

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    Общих методик улучшения показателя нет. 

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    Какой бывает конверсия

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    Выделяют макроконверсию, где финальная цель – приобретение товара. Это процент целевых действий, которые совершили пользователи. Также есть микроконверсия, характеризующая путь пользователя к приобретению товара. 

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    Как рассчитать конверсию

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    Макроконверсию определяют, находя частное от числа целевых действий и количества пользователей. После этого частное умножают на 100%. При расчете в учет идет каждый шаг. Например, из 125 пользователей, которые зашли в магазин, товар в корзину переместили 70 человек. На этой стадии микроконверсия будет равна 56%. Из 70 пользователей, поместивших товар в корзину, 7 человек оформили заказ. В результате микроконверсия на этом этапе равна 10%. 

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    Примеры успешной конверсии

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    Не оглядываясь на полученную прибыль, не получится объективно оценить конверсию. Можно продать много недорогих товаров, получив хороший доход. Однако такой же доход принесет продажа 1-2 дорогих товаров. 

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    Как устранить слабые места и повысить конверсию

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    Чтобы совершить конверсию, проанализируйте причины, по которым продажи небольшие. Это: 

    \n\n\n\n\n\n\n\n

    Для решения проблемы начните привлекать покупателей. Человек должен понять, что ему нужен продаваемый товар. Обеспечьте заказчику максимально удобный путь к товару. Заказывая с сайта, человек не должен столкнуться с трудностями. 

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    Внешние факторы повышения конверсии

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    Перед тем, как работать с сайтом, разработайте план работ, направленных на то, чтобы привлечь заказчиков. В этом помогут: 

    \n\n\n\n\n\n\n\n

    Используйте триггерные рассылки. Они доступны на стадии выполнения человеком конкретного действия. Триггерные рассылки содержат сведения об акционных предложениях, скидках. 

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    Как обновить сайт для повышения конверсии

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    Обеспечьте быструю работу сайта. Большая часть пользователей будут покидать главную страницу, если ее загрузка занимает много времени. Выполните обновление движка, продумайте фоновые оттенки, шрифты. 

    \n\n\n\n

    На главной странице должно быть минимальное количество текстовой информации. Пользователи почитают текст в карточках товаров, если пожелают узнать характеристики. Кроме того, на главной странице не должно быть случайных карточек. 

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    Как определить затратность улучшений

    \n\n\n\n

    Перед тем, как принимать нововведения, установите доступный бюджет, желаемую отдачу. Необходимо определить окупаемость каждого проекта, чтобы не было ситуации, при которой на обновления будет потрачено слишком много денег. 

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    Важно рассчитать, насколько эффективны затраты на маркетинг. Для этого: 

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    1. Вычислите разность доходов и расходов. 
    2. Поделите разность на расходы. 
    3. Умножьте частное на 100%. 
    \n\n\n\n

    ROI служит для оценки того, насколько рентабелен клик. 

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    Сервисы для получения данных о конверсии

    \n\n\n\n

    Чтобы получать информацию, применяют популярные аналитические платформы. Кроме того, используют корпоративную СРМ. Популярны такие сервисы: 

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    1. Яндекс.Метрика – служит для отслеживания поведенческих факторов. Устанавливают определенные цели, отслеживают их достижение. 
    2. «Гугл Аналитикс» – обеспечивает установку определенных целей при первоначальной настройке ресурса, отслеживание информации. 
    3. СРМ – корпоративный инструмент, служащий для оценки того, насколько эффективны сделки. 
    \n\n\n\n

    В СРМ вносят много сведений для маркетингового анализа на каждой стадии воронки. 

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    О сервисе 

    \n\n\n\n

    Pampady позволяет арбитражникам получать доход, привлекая новых клиентов кадровым агентствам, страховщикам и банкам, микрофинансовым организациям. Для хорошего заработка вебмастер должен знать, как повысить конверсию, как отслеживать показатель. Аналитические инструменты, доступные в Pampadu, значительно упрощают работу пользователя с конверсией.

    \n', 'Конверсия: что это такое и почему важна для арбитражника', 'Говоря, конверсия что это такое, имеют в виду соотношение посетителей ресурса, которые совершили нужное действие, к общему количеству пользователей. Узнать больше можно далее. ', 'publish', 'open', 'open', '', 'konversiya-chto-eto-takoe-i-pochemu-vazhna-dlya-arbitrazhnika', '', '', '2023-08-28 12:59:22', '2023-08-28 12:59:22', '', 0, 'https://pampadu.ru/blog/?p=3600', 0, 'post', '', 1), (3601, 1, '2023-08-28 12:57:56', '2023-08-28 12:57:56', '', '1030х502-1 (14)', '', 'inherit', 'open', 'closed', '', '1030h502-1-14-2', '', '', '2023-08-28 12:57:56', '2023-08-28 12:57:56', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-1-14.jpg', 0, 'attachment', 'image/jpeg', 0), (3603, 13, '2023-08-28 13:09:45', '2023-08-28 13:09:45', '\n

    На то, чтобы найти, купить, развить дропы, тратят усилия и время. Проще зарабатывать киберсквоттингом, находя дропы для арбитража на заброшенных доменах. По факту, арбитражник находит дроп, выполняет перепродажу, получая прибыль в виде разницы. К примеру, в Telegram присутствуют каналы, которые посвящаются покупке-продаже drop-доменов. Разобравшись в этой теме, арбитражник увеличивает заработок на платформе Пампаду, продвигая офферы рекламодателей. 

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    Преимущества дропов для арбитража: 

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    1. Возраст – drop-домен предусматривает историю. Не нужно проходить фильтры Google Sandbox. Чем больше возраст drop-домена, тем это лучше для арбитражника. 
    2. Уровень траста – дропы, продвигаемые посредством оригинального контента, располагают повышенной степенью доверия со стороны поисковиков. Они выполняют передачу собственного траста на сайт посредством бэклинков. 
    3. Ссылочная масса – drop-домен предусматривает определенное число ссылок. Не нужно создавать ссылочную стратегию, развивать купленный сайт. Ссылочный вес дропов может быть передан на сайт, продвижение которого необходимо. 
    4. Значимые ключевые слова – некоторые drop-домены содержат ключи, которые востребованы в конкретной нише или отрасли. Это улучшает видимость сайта в поисковых системах и повышает релевантность для пользователей. 
    5. Сокращение времени на продвижение – выбор drop-домена помогает сократить время, необходимое для продвижения сайта. Благодаря истории и авторитету сайт начинает привлекать трафик и пользователей намного быстрее, чем если бы начинали с нуля. 
    6. Лучшая доступность – drop-домены имеют более привлекательные имена, которые легче запоминаются у посетителей и клиентов. 
    7. Меньшие затраты. 
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    Недостатки – нарушение авторских прав или проблемы со ссылочным профилем. Покупайте drop-домены у надежных источников или используйте инструменты для проверки истории и репутации. 

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    Покупая дроп, арбитражник получает готовый ресурс с контентом, ссылочным весом, трастом у поисковиков. Это выгоднее и быстрее, чем развитие сайта с нуля. 

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    Для чего использовать дропы? 

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    Drop-домены используют, чтобы: 

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    1. Создать PBN-сеть. К примеру, у арбитражника имеется сайт, продвигающий конкретное предложение. Выбирайте дропы с подходящей тематикой, выложите бэклинки на сайт. Это обеспечит передачу ссылочной массы, улучшение позиций ресурса в выдаче поисковых систем. 
    2. Зарабатывать на партнерках. Вместо создания и развития ресурса с нуля арбитражник покупает дроп, выполняет восстановление, публикует предложения партнерок, CPA-сетей. Это позволяет сразу занять позицию в выдаче поисковиков, обеспечивает SEO-трафик для рекламы. 
    3. Продавать ссылки, контекст, тизеры. Купив и восстановив дроп, можно продолжить наполнение оригинальным контентом для заработка на публикации рекламы. 
    4. Перенаправлять трафик. Если уже имеете сайт с постоянным потоком посетителей, используйте drop-домены для перенаправления трафика на основной ресурс. Например, если есть несколько drop-доменов, связанных с ключевыми словами или продуктами, перенаправьте их на соответствующие страницы сайта. Это позволит использовать дополнительные домены для привлечения большего числа посетителей и повышения трафика. 
    5. Развивать бренд. Используйте их для создания большей видимости и развития своего бренда. Приобретение доменов, которые пишутся или звучат похоже на основную компанию или бренд, помогает установить дополнительные точки контакта с клиентами и поддержать общую стратегию маркетинга. 
    \n\n\n\n

    Drop-домены дают возможность продавать ресурсы. Можно приобрести, восстановить дроп, подождать занятия им позиций в выдаче. Лучше всего закупить новый контент. После этого арбитражник выполняет продажу дропа иным вебмастерам. Хорошие дропы перепродают сразу после восстановления. Это позволяет быстро получать прибыль. 

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    Где искать дропы? 

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    Для заработка арбитражник находит готовые либо потенциальные дропы. Отыщите «ничейные» домены, обратив внимание на те из них, срок регистрации которых в скором времени истечет. Для этого используйте клауд-сервисы, софт. Арбитражники применяют: 

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    1. MyDrop – сервис обеспечивает мониторинг в 100 доменных зонах. Выбирая дроп, можно сразу узнать число индексируемых страниц, контент, трафик. 
    2. GoDaddy – аукцион служит для поиска заброшенных доменов, работающих в зонах .com, .org. Смотрят возраст, трафик, ставки, которые были совершены покупателями. 
    3. Expired.ru – аукцион поддерживает русский язык, служит для поиска доменов, которые заброшены либо освобождаются. Для просмотра доступны возраст, индексы Alexa, ИКС, число и виды ссылок на них. 
    4. DropCatch – аукцион позволяет покупать drop-домены в зонах .com, .net, .org. DropCatch отображает статус, высочайшую ставку, время завершения аукциона. 
    5. BluechipBacklinks – недорогая платформа, где доступны даже бесплатные дропы. Сервис оптимален для тех, кто желает недорого сделать PBN-сеть. 
    \n\n\n\n

    Использовать перечисленные сервисы необязательно – никто не запрещает самостоятельный поиск дропов. Для этого потребуются парсеры. 

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    Рассмотрим на примере Netpeak Spider/Checker, как использовать парсеры. Сначала формируют перечень ресурсов, ссылки с которых необходимы. Выполняют загрузку списка в парсер, запуск процедуры сбора. Время, нужное для сбора, зависимо от числа донорских ресурсов. 

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    Домены, которые получены, пересылают в Checker. Проставляют условие DNS->ip и выполняют повторный парсинг. Формируется информационная база с дропами. У них в строке ip должно быть проставлено NULL. Выполняют копирование доменов, которые получили, их проверку посредством Whois на доступность. Так отыскивают дропы, которых может не быть на аукционах, биржах для экономии. 

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    Проверка дропов

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    Перед тем, как покупать дроп, выполните проверку. Для этого подойдут такие платформы: 

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    Проверяя дропы, учитывайте: 

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    1. Ссылочный вес. Выполните оценку картины по бэклинкам. Лучше, когда наблюдается постепенный рост числа ссылок либо неизменность. Скачки в наборе ссылочного веса считаются отрицательным знаком. 
    2. Индексы CF, TF. Индекс CF отображает число цитирований с иных ресурсов. TF характеризует качество ссылок. При большом CF и маленьком TF можно понять, что ссылок много, но они имеют низкое качество. Арбитражник делит CF на TF. Рекомендуется использовать дропы, где полученное частное равно 0.7-1.5. 
    3. Анкор-лист. Изучите, какие анкоры применялись в ссылках. Они должны быть органичны, не переспамлены ключами, включать в себя название домена, на который ссылаются. Также в анкорах присутствуют общие слова, например, «здесь». 
    4. Индексация дропа. Определите, как страницы проходят индексацию в различных поисковых системах. Если они добавляются в выдачу неравномерно, подобный дроп является проблемным. Для этого в Yandex применяют оператор url. 
    5. Контент сайта. Посетите web-архив и проверьте, какой контент был опубликован на дропе. Лучше, если тематика аналогична либо близка ресурсу, к которому подклеен дроп. Выполните проверку дропа на дорвеи, контент, который запрещен. 
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    Также значение имеет число перепродаж. Тут аналогично приобретению машины. Чем больше водителей владело машиной до покупателя, тем хуже для него. 

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    Как развивать купленный дроп? 

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    Независимо от того, как арбитражник намерен пользоваться приобретенным доменом (передача ссылочного веса, размещение предложений партнерок, создание PBN-сети, перепродажа), существует 3 варианта действий: 

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    1. Ничего не изменять. Если приобретенный дроп соответствует требованиям арбитражника, дайте «отлежаться» пару месяцев. За этот срок дроп опять займет позиции в поисковиках, станет обеспечивать трафик. Нужно будет опубликовать ссылки на собственные ресурсы либо предложения и ожидать. Ссылки должны тематически соответствовать дропу. 
    2. Заниматься развитием контента. Арбитражнику нужно позаботиться о сборе новых ключевиков, определении контентного плана, найму авторов. Это обеспечит развитие дропа. В результате ресурс не только стартует с хороших позиций в поисковиках, но и улучшает их. 
    3. Поменять тематику. Это допускается, но в определенных ситуациях. Чтобы ресурс не был пессимизирован, сохранил траст от поисковиков при резком изменении тематики, он изначально должен иметь хорошие значения CF, DA, TF. 
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    Drop-домены обеспечивают добычу SEO-трафика для предложений без затрат на развитие ресурса с нуля. С дропами получают доход, перепродавая их, а не ища и анализируя домены. 

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    О сервисе 

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    Платформа Pampadu дает возможность зарабатывать на продвижении офферов рекламодателей. В сервисе есть предложения от: 

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    Платформа обеспечивает арбитражникам быстрое зачисление денег, публикует предложения только от проверенных реклов. Начать зарабатывать с Пампаду можно, создав аккаунт и авторизовавшись. 

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    После авторизации перейдите в меню личного кабинета, ознакомьтесь с доступными офферами. Каждое предложение предусматривает уникальные условия, при выполнении которых вебмастеру начисляют вознаграждение. Рекламодатели устанавливают максимальный срок зачисления средств, сумму, которую получает арбитражник. Распространять партнерские ссылки можно в социальных сетях, блогах, на сайтах. Также отправлять ссылки можно через мессенджеры.

    \n', 'Дропы для арбитража: где найти и что делать', 'Дропы – это домены, которые оставили собственные владельцы. Можно искать дропы для арбитража на заброшенных доменах, а также другими путями, узнать о которых можно в этой статье.', 'publish', 'open', 'open', '', 'dropy-dlya-arbitrazha-gde-najti-i-chto-delat', '', '', '2023-08-28 13:09:45', '2023-08-28 13:09:45', '', 0, 'https://pampadu.ru/blog/?p=3603', 0, 'post', '', 0), (3604, 1, '2023-08-28 13:08:18', '2023-08-28 13:08:18', '', '1030х502-4 (15)', '', 'inherit', 'open', 'closed', '', '1030h502-4-15-2', '', '', '2023-08-28 13:08:18', '2023-08-28 13:08:18', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-4-15.jpg', 0, 'attachment', 'image/jpeg', 0), (3606, 20, '2023-08-28 13:21:19', '2023-08-28 13:21:19', '\n

    В каждой сфере деятельности есть определенные термины и понятия. Некоторые люди предпочитают удаленный формат работы. Получать доход можно на арбитраже трафика, занимаясь контекстной или таргетированной рекламой, рассылая сообщения по электронной почте или СМС. 

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    Сервис Пампаду предоставляет своим пользователям возможности для заработка. Ежедневно на сайте регистрируются новые люди, желающие попробовать себя в новой профессии. Словарь арбитражника трафика поможет новичкам быстрее влиться в рабочий процесс и начать получать доход. 

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    Словарь арбитражника: все термины и понятия 2023 года

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    Как другие профессии, работа арбитражника подразумевает определенную специфику. Это термины и сокращения. Изучив их, пользователи сайта Пампаду смогут оценить условия офферов и разберутся, как эффективнее привлекать клиентов. 

    \n\n\n\n

    Словарь арбитражника трафика с пояснением будет полезен не только новичку, но и тем, кто давно зарегистрирован на Пампаду, успешно работает страховым агентом или брокером и хочет попробовать себя в арбитраже. 

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    А/Б тестирование – это метод маркетингового исследования. Его также называют сплит-тестированием. Инструмент направлен на повышение конверсии стартовых страниц. Суть метода заключается в изучении поведения аудитории при посещении сайтов. Он позволяет определить не интуитивно, а на основе проведенного исследования, как поведут себя пользователи, если внести изменения на посадочных страницах. Например, при добавлении виджета, всплывающего окна, раздела. Для изучения мнения посетителей аудиторию делят на сегменты. Одна часть пользователей видит прежний вариант сайта, а другая – с изменениями. А/Б тестирование поможет улучшить платформу без оттока посетителей.

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    Адверт – это рекламодатель или заказчик. Он отправляет офферы и оплачивает владельцу информационного ресурса вознаграждения за верно выполненные действия. Например, за состоявшуюся сделку, регистрацию новых пользователей. Адвертом может являться и вебмастер, который льет трафик на себя.

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    Аппрув – с английского языка Approve переводится, как «одобрять». Этот термин означает подтверждение целевого действия. В арбитраже трафика он выражается в процентах и указывает на количество подтвержденных или одобренных конверсий от общего числа лидов. Например, арбитражник льет трафик на услугу страховой компании. Он получил 60 лидов, из которых 15 отсеялись сами, а 10 забраковала партнёрка. В результате были подтверждены 45 лидов. Это и есть количество одобренных конверсий.

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    API – способ автоматизации процессов в арбитраже, который помогает привлекать трафик. С помощью настроенного протокола обмена данными можно получать запросы от потенциальных клиентов и автоматически отправлять им ответы. Этот инструмент отслеживает действия пользователей в сети и увеличивают конверсию на сайт. Научиться этому не так сложно, как может показаться. API поможет увеличить количество переходов на сайт, что приведет к сделкам и получению дохода. 

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    Арбитраж трафика – покупка и последующая продажа ранее купленного интернет-трафика по более выгодной цене. Говоря простыми словами, это привлечение посетителей на сайты или клиентов на услуги. Арбитражник трафика за определенную стоимость размещает рекламные объявления об офферах Пампаду на разных источниках, например, тизеры, настраивает таргет в социальных сетях, или использует директ-мейл. Таким образом, он приводит посетителей на сайт партнера. Если потенциальный клиент купил страховку, оформил кредит, перейдя по ссылке, то рекламодатель за каждую сделку заплатит арбитражнику вознаграждение. Если человек, желающий получать дополнительный доход на платформе, разбирается в основах маркетинга, может настроить таргетинговую или контекстную рекламу, знает не понаслышке, что такое SEO-оптимизация, может сам сверстать продающий макет баннера, то на сотрудничестве с Пампаду он может хорошо заработать.

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    Арбитражник, он же вебмастер – сотрудник или удаленный работник, который размещает рекламу в Интернете, занимается ее настройкой, чтобы перенаправлять трафик (пользователей) на сайт компании или услугу. За регистрацию новых пользователей или продажу он получает вознаграждение. Размер заработка зависит от целевого действия: регистрации или сделки.

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    Вапклик – способ оплаты контента или монетизации мобильного трафика.

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    Вертикаль – это группа офферов, которые можно объединить по теме, виду услуги. Например, финансы, страхование или кредитование физлиц. Вертикаль определяет способы арбитража, методы привлечения трафика на сайт, маркетинговые инструменты и площадки размещения рекламы. 

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    Виджеты – вид партизанского маркетинга, который представляет собой калькуляторы для расчета стоимости страховки, оформления или продления полиса. Виджеты можно устанавливать в качестве рекламы в социальных сетях или сайтах, чтобы заинтересовать потенциальных клиентов. Такой онлайн-калькулятор, например, позволяет наглядно увидеть размер предполагаемого кредита с указанием основного долга, процентов, длительности займа. 

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    Витрина – это еще один инструмент, который используется для привлечения пользователей на веб-станицу. В отличие от виджетов, которые представляют собой онлайн-калькулятор, витрина – это перечень предложений от банков или финансовых организаций. Арбитражник может менять интерфейс сайта, добавлять виджеты, всплывающие окна, чтобы сайт был наиболее удобным и понятным для посетителей и помогал привлекать трафик.

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    Дорвей – веб-страница или сайт, который помогает перенаправлять трафик (пользователей) на целевой ресурс, где размещена информация о партнерской программе или предложения рекламодателя. Дорвейный сайт оптимизирован под запросы пользователей и таким образом «ловит» потенциальных клиентов. Создание дорвеев обычно требует больших финансовых затрат и зачастую обходится дешевле контекстной рекламы. Доры обычно не несут информационной пользы. Их продвигают по Seo для последующего перенаправления трафика. То есть, человек, забивая в Яндексе или Гугле поисковый запрос «оформить ОСАГО» попадает не на официальный сайт страховой компании, а на дорвейный. По скрытой ссылке он переходит на веб-страницу рекламодателя.

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    У такого инструмента есть и минусы. Дорвейные сайты со временем попадают в бан. Но некоторые опытные арбитражники с помощью API, баз данных находят выходы.

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    Инсталл – целевое действие, которое предполагает установку  приложения из App Store или Google Play.За него арбитражник получает вознаграждение. 

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    CPA – оплата за определенные действия, совершенные посетителем.

    \n\n\n\n

    CPS – оплата, которую производит рекламодатель арбитражнику за продажу услуги.

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    Кейс – реальные или придуманные истории, в которых арбитражники делятся своим опытом заработка на Пампаду. Кейсы хорошо «заходят» в социальных сетях, Тик-токе или на Ютубе. Могут быть преподнесены в виде текста или видео.

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    Конверсия – Указывает на отношение пользователей, совершивших целевое действие (регистрацию или покупку), к общему числу посетителей. Показатель конверсии принято выражать в процентах. По показателю можно оценить результативность привлечения трафика, эффективность рекламы, рассылки или других маркетинговых инструментов.

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    Креатив – это рекламный или промо-материал, который используется арбитражником для привлечения трафика (виджет, баннер, витрина, текст рассылки, видео, кейс).

    \n\n\n\n

    Лендинг – посадочная или стартовая страница сайта. На нее попадает пользователь после перехода с рекламного сообщения. На лендингах применяются специальные маркетинговые приемы – триггеры. Это способ подтолкнуть посетителя к целевому действию с помощью кричащих заголовков, ярких картинок, слоганов, краткой информации о выгодных предложениях. 

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    Лид – пользователь, который перешел по ссылке в рассылке или рекламному объявлению и совершил целевое действие: зарегистрировался на сайте, оформил заявку на кредит, ипотеку, приобрел или продлил страховой полис.

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    Мотивированный трафик – привлечение посетителей на сайт для совершения целевого действия за оплату или получение бонусов.

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    Оффер – услуга рекламодателя, на продвижении и продаже которой арбитражник зарабатывает деньги. 

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    Охват – процентное соотношение пользователей, которые просмотрели рекламное сообщение, к числу потенциальных посетителей, на которых реклама была рассчитана. Задача арбитражника – увеличивать охват целевой аудитории, используя маркетинговые инструменты. 

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    Партнерка (Партнерская программа или ПП) - это организация, которая размещает офферы для арбитражников.

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    Переходы – количество посещений страницы или сайта. Включает не уникальных пользователей, а общее число просмотров веб-ресурса.

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    Показ – единичный факт предъявления посетителю рекламного материала: объявления, баннера или видео.

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    Попандер – отдельное всплывающее окно с рекламным сообщением, которое пользователь видит после закрытия основной страницы. 

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    Постбэк - это инструмент, который позволяет получать информацию о действиях, которые совершает пользователь с оффером. Благодаря запросу системы к серверу арбитражнику поступают данные о количестве переходов, конверсий.

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    Поток – настроенный рекламный канал арбитражника, который содержит информацию об оффере. Иными словами, это ссылка, на которую поступает трафик.

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    Реферал – пользователь, который зарегистрировался после перехода по ссылке. Вознаграждение приходит тому человеку, по ссылке которого был сделан переход.

    \n\n\n\n

    Семантическое ядро - это набор ключевых и тематических слов, которые используются как отдельно, так в словосочетаниях и фразах. «Ключи» работают на запросы посетителей. Если правильно и в нужном количестве подобрать ключевые слова, веб-страница будет отображаться в верхних строках поиска. Это увеличит количество просмотров, переходов и конверсию.

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    Тизер – вид нативной рекламы. Чаще всего содержит завлекающий, интригующий заголовок и привлекательное фото или видео.

    \n\n\n\n

    Трафик – это количество посетителей сайта за определенный промежуток времени. 

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    Трекер – это инструмент, позволяющий с помощью автоматизированных сервисов собирать данные о маркетинговых активностях. С помощью этого софта проще анализировать свою рекламную деятельность и управлять трафиком.

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    Таргетинг – инструмент в маркетинге, который позволяет настроить рекламу там, чтобы ее видела целевая аудитория. 

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    TDS – система распределения трафика.

    \n\n\n\n

    Фулфилмент – комплекс услуг, включающий в себя все операции от подачи заявки до завершения сделки.

    \n\n\n\n

    Фрод – предоставление некачественного трафика. Например, регистрация ботов. 

    \n', 'Словарь арбитражника: все термины и понятия', 'В каждой сфере деятельности есть определенные термины и понятия. Некоторые люди предпочитают удаленный формат работы. Получать доход можно на арбитраже трафика, занимаясь контекстной.', 'publish', 'open', 'open', '', 'slovar-arbitrazhnika-vse-terminy-i-ponyatiya', '', '', '2023-09-18 13:13:06', '2023-09-18 10:13:06', '', 0, 'https://pampadu.ru/blog/?p=3606', 0, 'post', '', 2), (3607, 1, '2023-08-28 13:15:46', '2023-08-28 13:15:46', '', '1030х502-5 (15)', '', 'inherit', 'open', 'closed', '', '1030h502-5-15', '', '', '2023-08-28 13:15:46', '2023-08-28 13:15:46', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-5-15.jpg', 0, 'attachment', 'image/jpeg', 0), (3609, 1, '2023-08-29 12:33:44', '2023-08-29 12:33:44', '', '2023-08-24 12.57.59', '', 'inherit', 'open', 'closed', '', '2023-08-24-12-57-59', '', '', '2023-08-29 12:33:44', '2023-08-29 12:33:44', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/2023-08-24-12.57.59.webp', 0, 'attachment', 'image/webp', 0), (3610, 13, '2023-08-29 13:20:06', '2023-08-29 13:20:06', '\n

    Летом мы запустили кросс-продажи для возможности оформить ОСАГО по сегменту перестраховочного пула - и это практически удвоило процент одобрения по конкретной СК, а общая вероятность одобрения ОСАГО на платформе выросла до 85%

    \n\n\n\n

    ?Сегодня мы рады сообщить об успешном запуске ОСАГО пул + Кросс в СК Росгосстрах!

    \n\n\n\n

    — Кросс - \"Подушка безопасности\" (КАСКО);
    — Стоимость кросса 1000 - 2000 руб.;
    — Ваша комиссия 24-28% с кросс-полиса.

    \n\n\n\n

    На 2-ом этапе оформления полиса, вы увидите всю информацию и подробности продукта.

    \n\n\n\n

    ✅ Подключение пула поможет вам получать одобрение для сложных клиентов, кого обычно не берут на страхование ОСАГО.

    \n\n\n\n

    С любовью к своему делу,
    Команда Пампаду

    \n', '? Встречайте: ОСАГО + Кросс теперь и в Росгосстрахе', 'Рады сообщить об успешном запуске ОСАГО пул + Кросс в СК Росгосстрах', 'publish', 'open', 'open', '', 'vstrechajte-osago-kross-teper-i-v-rosgosstrahe', '', '', '2023-08-29 13:20:06', '2023-08-29 13:20:06', '', 0, 'https://pampadu.ru/blog/?p=3610', 0, 'post', '', 0), (3611, 1, '2023-08-29 13:19:46', '2023-08-29 13:19:46', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-136', '', '', '2023-08-29 13:19:46', '2023-08-29 13:19:46', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502.jpg', 0, 'attachment', 'image/jpeg', 0), (3613, 13, '2023-08-30 07:38:39', '2023-08-30 07:38:39', '\n

    Партнеры, осталось всего 3 дня до завершения розыгрыша, поэтому для того чтобы получить призы на которые вы рассчитываете, придется чуть-чуть поднажать чтобы вырваться вперед.
    Напоминаем, что чем больше продаж вы сделаете, тем лучше призы и выше шансы на победу.

    \n\n\n\n

    ?ПОДРОБНОСТИ АКЦИИ:

    \n\n\n\n

    • Условия розыгрыша
    • Подарки принимающие участие
    • Сроки подведения итогов акции
    • Как увеличить шансы на победу
    • Оформив КК Газпромбанка вы приближаетесь к ценному призу и зарабатываете 7600 р. за каждую выданную карту.

    \n\n\n\n

    ⚡️Также хотим обратить ваше внимание, что в высшей категории, меньше участников, а значит больше возможности выиграть более ценный подарок.

    \n\n\n\n

    Участвуйте и выигрывайте вместе с Пампаду

    \n', 'Остался последний рывок к возможности выиграть ценную технику на Пампаду', 'Чем больше продаж вы сделаете, тем лучше призы и выше шансы на победу.', 'publish', 'open', 'open', '', 'ostalsya-poslednij-ryvok-k-vozmozhnosti-vyigrat-tsennuyu-tehniku-na-pampadu', '', '', '2023-08-30 07:38:39', '2023-08-30 07:38:39', '', 0, 'https://pampadu.ru/blog/?p=3613', 0, 'post', '', 0), (3614, 1, '2023-08-30 07:38:18', '2023-08-30 07:38:18', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-137', '', '', '2023-08-30 07:38:18', '2023-08-30 07:38:18', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-26.png', 0, 'attachment', 'image/png', 0), (3616, 13, '2023-08-30 10:47:44', '2023-08-30 10:47:44', '\n

    Сервис партнерских продаж Пампаду растет и развивается. Мы являемся партнерами крупнейших страховых компаний и банков и хотим лучших условий для наших пользователей.

    \n\n\n\n

    ✅ В связи с этим в сентябре мы попросим физ.лиц пройти верификацию по паспорту, таким образом мы обезопасим платформу от мошенников и точно будем знать с кем мы работаем.

    \n\n\n\n

    Подробное описание процесса мы опубликуем позже.
    Процесс верификации простой и быстрый - от вас потребуется только фото паспорта и селфи.

    \n\n\n\n

    Помните, что у вас также есть возможность перейти в статус самозанятого и выводить КВ на более выгодных условиях.

    \n\n\n\n

    ?Мы рекомендуем переходить на самозанятость, к тому же вы получите 10 000 руб. от государства на уплату налога
    (мы компенсируем его вам).

    \n\n\n\n

    Все преимущества самозанятости по ссылке здесь

    \n\n\n\n

    С любовью к своему делу,
    команда Пампаду

    \n', 'Сентябрь время перемен - рассказываем про небольшие изменения для физ.лиц, которые произойдут уже в сентябре', 'Мы являемся партнерами крупнейших страховых компаний и банков и хотим лучших условий для наших пользователей.', 'publish', 'open', 'open', '', 'sentyabr-vremya-peremen-rasskazyvaem-pro-nebolshie-izmeneniya-dlya-fiz-lits-kotorye-proizojdut-uzhe-v-sentyabre', '', '', '2023-08-30 10:47:44', '2023-08-30 10:47:44', '', 0, 'https://pampadu.ru/blog/?p=3616', 0, 'post', '', 0), (3617, 1, '2023-08-30 10:47:29', '2023-08-30 10:47:29', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-138', '', '', '2023-08-30 10:47:29', '2023-08-30 10:47:29', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-27.png', 0, 'attachment', 'image/png', 0), (3620, 13, '2023-09-01 09:05:22', '2023-09-01 09:05:22', '\n

    Закончился наш масштабный летний розыгрыш, в котором участвовали страховые, банковские продукты и пользователи реферальной программы!
    Такого масштаба не было ни у кого.

    \n\n\n\n

    ?Мы подготовили для агентов более 35 подарков и скоро сообщим итоги розыгрыша.

    \n\n\n\n

    Объявление результатов:

    \n\n\n\n

    — По ОСАГО, КАСКО и ипотеке объявление результатов акции - до 10.09.2023.

    \n\n\n\n

    — По финансовым продуктам и реферальной программе - до 15.10.2023.

    \n\n\n\n

    Кто не смог принять участие, не расстраивайтесь, вы не заметите, как снова появиться возможность побороться за призы.

    \n\n\n\n

    ? Коллеги, пятница с Пампаду обещает быть насыщенной, не пропустите!

    \n', '? Ждете результатов розыгрыша Вселенная подарков от Пампаду?', 'Завершилась мега акция Вселенная подарков на Пампаду.\nСовсем скоро итоги!', 'publish', 'open', 'open', '', 'zhdete-rezultatov-rozygrysha-vselennaya-podarkov-ot-pampadu', '', '', '2023-09-01 09:05:22', '2023-09-01 09:05:22', '', 0, 'https://pampadu.ru/blog/?p=3620', 0, 'post', '', 0), (3621, 1, '2023-09-01 09:04:40', '2023-09-01 09:04:40', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-139', '', '', '2023-09-01 09:04:40', '2023-09-01 09:04:40', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502.png', 0, 'attachment', 'image/png', 0), (3623, 13, '2023-09-01 13:43:35', '2023-09-01 13:43:35', '\n

    Партнеры, проверьте вашу почту, если получили письмо с условием акции - поздравляем!
    Вы участвуете, не упустите свой шанс.

    \n\n\n\n

    Воспользуйтесь нашим вкусным предложением.
    Акция действует с 01.09.2023 по 31.09.2023

    \n\n\n\n

    Если же вы не получили письмо, не расстраивайтесь.
    Для всех агентов Пампаду мы также готовим сюрприз.

    \n\n\n\n

    ? Ставьте колокольчики на уведомления, чтобы не пропустить крутую новость!

    \n\n\n\n

    С любовью к своему делу,
    Команда Пампаду

    \n', 'Проверьте вашу почту - запуск закрытой акции!', 'Запуск закрытой акции на Пампаду', 'publish', 'open', 'open', '', 'proverte-vashu-pochtu-zapusk-zakrytoj-aktsii', '', '', '2023-09-01 13:43:35', '2023-09-01 13:43:35', '', 0, 'https://pampadu.ru/blog/?p=3623', 0, 'post', '', 0), (3624, 1, '2023-09-01 13:42:50', '2023-09-01 13:42:50', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-140', '', '', '2023-09-01 13:42:50', '2023-09-01 13:42:50', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-1.png', 0, 'attachment', 'image/png', 0), (3626, 13, '2023-09-01 15:25:58', '2023-09-01 15:25:58', '\n

    Школьникам и студентам оценки за домашнюю работу, а партнерам Пампаду новенькие гаджеты от Apple.

    \n\n\n\n

    Мы знаем, что вы ждали осенний конкурс для веб-мастеров и агентов финансовой вертикали и пришло время объявить старт и рассказать условия:

    \n\n\n\n

    С 1 сентября по 30 ноября заливай трафик и продавай наши финансовые продукты, увеличивая шансы выиграть новый iPhone, Macbook и другую технику номиналом 500 000 рублей.

    \n\n\n\n

    ?Участвуют все продукты финансовой вертикали:
    Дебетовые и кредитные карты, микрозаймы, кредиты, РКО и вклады.

    \n\n\n\n

    Итоги мы подведем 19 января 2024 года.
    Количество подтвержденных конверсии для каждого партнера будет посчитано с учетом «докатов» декабря.

    \n\n\n\n

    Следите за новостями, ведь скоро мы расскажем как увеличить свои шансы в конкурсе и забрать подарки уже в октябре, да, это не опечатка!

    \n\n\n\n

    ?Но скажем по секрету, всем кто дочитал до конца — начинайте заливать трафик прямо сейчас, чтобы стать лидером в гонке за призами.

    \n', '?Розыгрыш Яблочный джем 2.0 активирован', 'Заливай трафик и продавай наши финансовые продукты, выигрывай технику от Apple', 'publish', 'open', 'open', '', 'rozygrysh-yablochnyj-dzhem-2-0-aktivirovan', '', '', '2023-09-01 15:25:58', '2023-09-01 15:25:58', '', 0, 'https://pampadu.ru/blog/?p=3626', 0, 'post', '', 0), (3627, 1, '2023-09-01 15:23:54', '2023-09-01 15:23:54', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-141', '', '', '2023-09-01 15:23:54', '2023-09-01 15:23:54', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-2.png', 0, 'attachment', 'image/png', 0), (3629, 13, '2023-09-04 10:29:54', '2023-09-04 10:29:54', '\n

    Авторынок поменял свои ориентиры, и мы видим с какими проблемами приходится сталкиваться, при расчете ОСАГО по неизвестным еще вчера моделям (и даже маркам) авто.

    \n\n\n\n

    Мы, и наши СК-партнеры - работали над обновлением своих справочников, чтобы сделать возможным простое оформление ОСАГО, по актуальным сегодня автомобилям.
    В результате - удалось добавить более 300 новых марок и моделей автомобилей и связать их со всеми активными партнерами нашей платформы!

    \n\n\n\n

    ✅ Также мы существенно переработали общую синхронизацию справочников с компаниями АльфаСтрахование, Тинькофф и Согласие.

    \n\n\n\n

    Все это позволит Вам:
    — указать более точную модель авто;
    — избежать ручного уточнения модели для каждой СК;
    — получить наиболее адекватные условия.

    \n\n\n\n

    ?И, в конечном счете - увеличить вероятность одобрения для Ваших клиентов!

    \n', '? Добавили +300 моделей и марок авто по ОСАГО на Пампаду', 'Удалось добавить более 300 новых марок и моделей автомобилей и связать их со всеми активными партнерами нашей платформы!', 'publish', 'open', 'open', '', 'dobavili-300-modelej-i-marok-avto-po-osago-na-pampadu', '', '', '2023-09-04 10:29:54', '2023-09-04 10:29:54', '', 0, 'https://pampadu.ru/blog/?p=3629', 0, 'post', '', 0), (3630, 1, '2023-09-04 10:29:43', '2023-09-04 10:29:43', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-142', '', '', '2023-09-04 10:29:43', '2023-09-04 10:29:43', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-3.png', 0, 'attachment', 'image/png', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3632, 13, '2023-09-04 12:17:41', '2023-09-04 12:17:41', '\n

    Многие агенты уже оценили и хорошо заработали на этом продукте в прошлые месяцы. А если вы ещё не успели, то для вас отличная новость:
    ✅ Сохраняем ставку по офферу Кредитная карта Газпромбанк 180 дней без %

    \n\n\n\n

    Продолжите зарабатывать 7 600 р. на оффере кредитная карта Газпромбанк - 180 дней без % и получите шанс выиграть Apple MacBook и другие ценные призы!

    \n\n\n\n

    ПОДРОБНОСТИ РОЗЫГРЫША

    \n\n\n\n

    Подписывайтесь на канал посвященный банковским продуктам и узнавайте все новости первыми!

    \n\n\n\n

    Желаем вам успешных продаж, команда Пампаду ?

    \n', '? Выгодные условия и достойное вознаграждение по офферу Газпромбанка на Пампаду', 'Сохраняем ставку по офферу Кредитная карта Газпромбанк 180 дней без %', 'publish', 'open', 'open', '', 'vygodnye-usloviya-i-dostojnoe-voznagrazhdenie-po-offeru-gazprombanka-na-pampadu', '', '', '2023-09-04 12:17:41', '2023-09-04 12:17:41', '', 0, 'https://pampadu.ru/blog/?p=3632', 0, 'post', '', 0), (3633, 1, '2023-09-04 12:17:27', '2023-09-04 12:17:27', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-143', '', '', '2023-09-04 12:17:27', '2023-09-04 12:17:27', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-4.png', 0, 'attachment', 'image/png', 0), (3636, 13, '2023-09-05 11:42:47', '2023-09-05 11:42:47', '\n

    Друзья, мы получили от вас хорошую обратную связь после публикации новости о запуске пилота по продажам карт Тинькофф в офлайн.
    Некоторые из вас проявили интерес и были подключены к пилоту, получили пластик и уже сделали свои первые продажи.

    \n\n\n\n

    Количество подобных запросов растет, поэтому мы решили организовать централизованный сбор заявок на подключение к пилоту!

    \n\n\n\n

    ?Напомним о том, как это работает:

    \n\n\n\n

    — вы получаете пластик ДК и КК Тинькофф на руки;
    — оформляете заявку на карту в ЛК банка;
    — выдаете карту клиенту на месте без визита в банк.

    \n\n\n\n

    ПРЕИМУЩЕСТВА:
    — вы контролируете весь процесс, от заведения заявки до выдачи/активации, а значит контролируете воронку продаж.
    Клиенту не нужно ждать курьера с картой и подстраивать свои планы.
    — вы имеете прямой контакт с представителем банка и можете решать оперативно все вопросы;
    — отсутствие потерянных конверсий и дублей.

    \n\n\n\n

    Если у вас есть офис, стойка в ТЦ, постоянный поток клиентов в оффлайне, подайте заявку на пилот по ссылке➡️ здесь , чтобы увеличить свой доход.

    \n\n\n\n

    Отличных продаж,
    команда Пампаду

    \n', '? Запуск офлайн карт Тинькофф', 'Решили организовать централизованный сбор заявок на подключение к пилоту!\nПодробности в статье.', 'publish', 'open', 'open', '', 'zapusk-oflajn-kart-tinkoff', '', '', '2023-12-13 15:16:53', '2023-12-13 12:16:53', '', 0, 'https://pampadu.ru/blog/?p=3636', 0, 'post', '', 0), (3637, 1, '2023-09-05 11:41:49', '2023-09-05 11:41:49', '', '1080х1080-1', '', 'inherit', 'open', 'closed', '', '1080h1080-1-5', '', '', '2023-09-05 11:41:49', '2023-09-05 11:41:49', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/09/1080h1080-1.png', 0, 'attachment', 'image/png', 0), (3638, 1, '2023-09-05 11:41:55', '2023-09-05 11:41:55', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-144', '', '', '2023-09-05 11:41:55', '2023-09-05 11:41:55', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-5.png', 0, 'attachment', 'image/png', 0), (3640, 13, '2023-09-06 11:35:55', '2023-09-06 11:35:55', '\n

    40 453 руб. - Росгосстрах;
    34 121 руб. - Ингосстрах;
    32 801 руб. - ВСК;
    30 884 руб. - Альфастрахование;
    30 476 руб. - Тинькофф;
    26 297 руб. - Альфастрахование;
    25 966 руб. - Росгосстрах;
    35 486 руб. - Согласие;
    25 835 руб. - Ренессанс.

    \n\n\n\n

    Оставляйте заявку на расчет нашим менеджерам на КАСКО!

    ✅ Вы увидите предрасчет, он может сильно отличаться от итоговой стоимости в зависимости от комплектации полиса.
    Дождитесь звонка менеджера и обсудите все детали и пожелания клиента.

    \n\n\n\n

    Желаем вам успешных продаж,
    команда Пампаду

    \n', '? Показываем самое крупное КВ наших агентов в августе по полисам КАСКО!', 'Успешные кейсы с высоким КВ в августе!', 'publish', 'open', 'open', '', 'pokazyvaem-samoe-krupnoe-kv-nashih-agentov-v-avguste-po-polisam-kasko', '', '', '2023-09-06 11:35:55', '2023-09-06 11:35:55', '', 0, 'https://pampadu.ru/blog/?p=3640', 0, 'post', '', 0), (3641, 1, '2023-09-06 11:35:32', '2023-09-06 11:35:32', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-145', '', '', '2023-09-06 11:35:32', '2023-09-06 11:35:32', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-6.png', 0, 'attachment', 'image/png', 0), (3643, 13, '2023-09-07 11:36:58', '2023-09-07 11:36:58', '\n

    Станьте участником розыгрыша Яблочный джем 2.0 и выигрывайте премиальную технику.

    ? Как принять участие?

    \n\n\n\n

    Продавайте финансовые продукты в период с 1 сентября по 30 ноября и и участвуйте в розыгрыше крутых призов:

    \n\n\n\n

    — Apple MacBook Air M1;
    — iPhone 13, 128гб;
    — iPhone 14, 128гб;
    — Apple Watch Series SE;
    — Apple AirPods 3.

    \n\n\n\n

    Итоги мы подведем 19 января 2024 года.

    \n\n\n\n

    ? Напомним про лайфхаки которые сработали у агентов в первой версии яблочного джема:

    \n\n\n\n
    1. Расширяйте воронку и увеличивайте охваты вашей рекламы за счет использования новых разрешенных источников трафика.
    2. Делайте акцент на продукты, в которых высокий % подтверждений.
    3. Монетизируйте свою клиентскую базу.
    \n\n\n\n

    Эти простые действия помогут вам увеличить продажи финансовых продуктов, а значит, это может привести вас к выигрышу приза!

    \n\n\n\n

    Увеличивайте свои продажи по финансовым продуктам и выигрывайте ценные подарки,
    команда Пампаду

    \n', '☄️ Готовы прокачать себя и свой заработок, чтобы не стоять на месте и добиваться результата?', 'Станьте участником розыгрыша Яблочный джем 2.0 и выигрывайте премиальную технику.', 'publish', 'open', 'open', '', 'gotovy-prokachat-sebya-i-svoj-zarabotok-chtoby-ne-stoyat-na-meste-i-dobivatsya-rezultata', '', '', '2023-09-07 11:36:58', '2023-09-07 11:36:58', '', 0, 'https://pampadu.ru/blog/?p=3643', 0, 'post', '', 0), (3644, 1, '2023-09-07 11:36:47', '2023-09-07 11:36:47', '', '1030х502', '', 'inherit', 'open', 'closed', '', '1030h502-146', '', '', '2023-12-06 17:41:23', '2023-12-06 14:41:23', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-7.png', 0, 'attachment', 'image/jpeg', 0), (3647, 13, '2023-09-08 12:17:28', '2023-09-08 12:17:28', '\n

    Спам — это сигнал арбитражнику, что его рассылка не работает уже на уровне отправки. С этим сталкивается каждый вебмастер, независимо от опыта работы. Попробуем разобраться, почему письма попадают в спам и как это исправить.

    \n\n\n\n

    Партнерская программа Пампаду работает с финансовыми офферами, помогая зарабатывать вебмастерам, арбитражникам и всем желающим попробовать свои силы в новой сфере.

    \n\n\n\n

    Почему письма попадают в спам?

    \n\n\n\n

    Вначале нулевых до половины всех писем попадали в категорию спама. Решали проблему с размахом — крупнейшие игроки рынка объединились для разработки единых методов борьбы. Так появился «Технический альянс по борьбе со спамом» (ASTA), что выдвинул единые требования по безопасности и фильтрации почты. На основе этих тезисов построены алгоритмы всех почтовых агентов: Яндекс, Мейл, Google и др. Перечислим причины попадания в спам-лист.

    \n\n\n\n

    Плохая репутация отправителя

    \n\n\n\n

    Накопительная метрика, сложенная из десятков параметров. Подробности фильтров почтовые службы не раскрывают, но есть общие соображения:

    \n\n\n\n\n\n\n\n

    Это формирует оценку IP и домена, на основании которой почтовики фильтруют контент. Смена адреса не поможет, поскольку провайдер сохраняет историю рассылки. Менять нужно подход. Проверить репутацию можно на сервисе SenderScore, или в инструментах постмастера.

    \n\n\n\n

    Некачественная база данных 

    \n\n\n\n

    Старая база — еще хуже, если бесплатная или публичная, — полная неактивных адресов и ошибочного синтаксиса, загонит в яму репутацию домена. Смысла в такой базе мало, фрод (Fraud) не приводит к продажам. Плохо очищенная база это одна из причин, почему мои письма попадают в спам.

    \n\n\n\n

    Базу нужно очищать, проверять целевую аудиторию, удалять нерабочие адреса, проводить валидацию. Обидно, когда рассылка попадает в спам, потому что у адресата переполнен почтовый ящик. 

    \n\n\n\n

    Проверку можно заказать на фрилансе, либо использовать сервисы вроде ePochta Verifier. 

    \n\n\n\n

    Непрогретый IP или домен

    \n\n\n\n

    Если в первый день работы на новом домене раскидывать по 100 тысяч писем, то не стоит спрашивать, почему письма попадают в спам. Для провайдера это триггер. Увеличение трафика должно быть плавным и регулярным, а контент нейтральным. Хорошо подойдут приветственные письма или дайджесты. 

    \n\n\n\n

    Повышать количество писем нужно постепенно — в районе 30%-50% в сутки. Это средние значения, поскольку почтовые сервисы греются по-разному.

    \n\n\n\n

    Ваша рассылка и есть проблема

    \n\n\n\n

    Если это выглядит как спам и читается как спам — то это спам. Агрессивный маркетинг, кликбейтные заголовки, абстрактное обращение к адресату, все это говорит алгоритму, что письмо пропускать нельзя. Писать нужно для людей.

    \n\n\n\n

    Нельзя отписаться

    \n\n\n\n

    Спрятанная или отсутствующая кнопка отписки, это хорошая причина, почему письма попадают в спам. Футер должен иметь кнопку отписки, алгоритм это проверит, а не найдя таковую, заблокирует письмо, понизив тем самым репутацию домена. 

    \n\n\n\n

    Отписка выгоднее спама, поскольку наносит меньше вреда. Также рекомендуется добавить возможность тематической отписки, чтобы клиент мог отказаться только от части контента. 

    \n\n\n\n

    Как улучшить качество рассылки? 

    \n\n\n\n

    Застраховаться от попадания в спам не выйдет. Алгоритмы фильтрации почтовых сервисов необъятно большие, учесть все варианты невозможно. Но сократить вероятность ошибок можно. Выясняем что делать если письма попадают в спам. 

    \n\n\n\n

    Написать прехедер

    \n\n\n\n

    Прехедер (или предзаголовок) это первое, что говорит адресату о содержании текста, мотивирует прочесть или отправить в бан. Занимает прехедер до 155 символов. От качества предзаголовка зависит около 4% open rate. 

    \n\n\n\n

    Обращаться к личности

    \n\n\n\n

    До 80% пользователей в Европе заявили, что положительно воспримут персонализированное электронное письмо. Обращение к подписчикам по имени, рассылка на дни рождения, фрагментация базы для разделения ЦА на группы — все это влияет на лояльность. Первое письмо желательно делать приветственным, не начиная продажи без знакомства.

    \n\n\n\n

    Повысить узнаваемость и вовлеченность

    \n\n\n\n

    Рассылку убивает безликость и оторванность от контекста. Письмо должно иметь аватар отправителя, в идеале обладать корпоративным стилем и цветом, важен и tone of voice. В теле может содержаться интересная информация о бренде, напрямую к теме рассылки не относящаяся. Это повышает узнаваемость и помогает решить проблему, что 45% пользователей избегают открывать письма неизвестных авторов. 

    \n\n\n\n

    Убрать стоп-слова и улучшить контент

    \n\n\n\n

    Вначале работы не так важно, почему письмо попадает в спам как исправить словесные неточности. Есть 200+ слов, которые провоцируют внимание алгоритмов. Избавиться от всех непросто — вряд ли исключить слова «кредит», «деньги», «займ» если трафик льется банку. Но по возможности избавляться следует от:

    \n\n\n\n\n\n\n\n

    Также, если рассылка попадает в спам это проблема в том числе и пунктуации. Нужно убрать Caps Lock, груду восклицательных знаков. Кроме того, стоит следить за соотношением текста к картинкам — 25% к 75%

    \n\n\n\n

    Настроить аутентификацию

    \n\n\n\n

    Подлинность отправителя, это базовое условие успешной рассылки. Домен должен иметь цифровую подпись DKIM, разрешения по SPF, а также настроенный протокол DMARC. Делается это в панели управления на сайте. С настроенной аутентификацией письма рассылки попадают в спам реже.

    \n\n\n\n

    Еще одним решением будет корпоративная почта, к массовой рассылке с которой алгоритмы цепляются не так сурово. Бесплатные решения найти непросто, например, свой бесплатный тариф Яндекс убрал в конце апреля 2023 года.

    \n\n\n\n

    Очистка базы данных и Double Opt-In 

    \n\n\n\n

    Поддерживать базу данных нужно в чистоте — метрики подскажут, почему письма попадают в спам и как это исправлять. Некоторые из них:

    \n\n\n\n\n\n\n\n

    Если показатель жалоб в месяц превышает 0,5%, то это явная причина почему письма уходят в спам. 

    \n\n\n\n

    Также следует отправлять письма только тем адресам, что оформили двухэтапную подписку (Double Opt-In), дополнительно подтвердив разрешение на получение рассылки. Игнорирующий подтверждение адрес нужно удалить.   

    \n\n\n\n

    Проверка на спам

    \n\n\n\n

    Перед отправкой письмо следует проверить. Без этого некоторые мои письма попадают в спам. Что делать — анализировать через Mail tester. Сайт подскажет, почему письма попадают в спам и как это исправить. Проверит на наличие домена в black list, проблемы в теле письма, подлинность (аутентификацию), найдет нерабочие ссылки. 

    \n\n\n\n

    Как узнать, что письмо попало в спам? 

    \n\n\n\n

    Постмастер покажет, когда письма рассылки попадают в спам. Отвечает за это уже упомянутая метрика Feedback Loop. Для работы в рунете можно пользоваться постмастером Mail.Ru, он обрабатывает до половины российских e-mail аккаунтов.

    \n\n\n\n

    Также в базу желательно добавлять 3-4 собственных адреса, чтобы с их помощью проверять попадание в спам. 

    \n\n\n\n

    Как выйти из спама, если вас туда отправляют подписчики 

    \n\n\n\n

    Сначала нужно выяснить, почему письма попали в спам. Во-первых, виноваты могут быть индивидуальные фильтры. Решается это переносом таких адресов в другие разделы базы и проведением a/b тестирования. Во-вторых, подписчик может собственноручно отправить рассылку в бан. Такие адреса лучше сразу удалить. Можно создать отдельную базу и попробовать реактивировать подписчиков, чьи письма попадают в спам что делать рекомендуется только на новом домене, мягко и выдержав длинную паузу.

    \n\n\n\n

    Советы 

    \n\n\n\n

    Собирать базу лучше самостоятельно — через лендинги, обратные формы связи, блоги, покупкой рекламы на площадках с целевой аудиторией. Проводить подписку нужно в два этапа (Double Opt-In), 1000 активных подписчиков лучше 100к заброшенных. 

    \n\n\n\n

    Если приложенные усилия не решают проблему, подсказать что делать если письма попадают в спам может только техническая поддержка почты.  Подробно опишите проблему, расскажите о бизнесе, подробно расскажите как собирали базу данных, прикрепите заблокированные письма в формате EML. 

    \n\n\n\n

    О сервисе 

    \n\n\n\n

    Сервис Pampadu помогает находить популярные вертикали, которые приносят прибыль нашим арбитражникам. Хороший заработок принесут умение лить разный трафик, анализировать статистику, повышать конверсию. Пампаду располагает множеством инструментов, необходимых для работы.

    \n', 'Почему письма попадают в спам и как это исправить', 'В статье мы рассмотрим основные причины, почему рассылка попадает в спам. Найдем причины проблемы и подскажем решения, а также дадим инструменты для работы с рассылкой.', 'publish', 'open', 'open', '', 'pochemu-pisma-popadayut-v-spam-i-kak-eto-ispravit', '', '', '2023-09-08 12:17:28', '2023-09-08 12:17:28', '', 0, 'https://pampadu.ru/blog/?p=3647', 0, 'post', '', 3), (3648, 1, '2023-09-08 12:08:51', '2023-09-08 12:08:51', '', '1030х502-8 (4)', '', 'inherit', 'open', 'closed', '', '1030h502-8-4-2', '', '', '2023-09-08 12:08:51', '2023-09-08 12:08:51', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-8-4.jpg', 0, 'attachment', 'image/jpeg', 0), (3650, 13, '2023-09-08 12:25:30', '2023-09-08 12:25:30', '\n

    Автоматизация стала частью разных отраслей, и сфера арбитража трафика – не исключение. В условиях постоянно растущего объема задач автоматизация в арбитраже трафика – спасение для тех, кто не хочет отвлекаться на рутину. 

    \n\n\n\n

    Для этого необходимо не только понимать принцип автоматизации, но и уметь работать с инструментами. Часть из них представлена на онлайн-сервисе Pampadu и известна среди большинства арбитражников.

    \n\n\n\n

    Оптимизация распределения трафика

    \n\n\n\n

    Суть оптимизации заключается в управлении и направлении посетителей на целевые страницы с целью увеличения дохода.

    \n\n\n\n

    Для реализации процесса используются специальные программные платформы, которые настраивают правила перенаправления пользователей исходя из заданных вебмастером параметров (геолокация, тип устройства, источник трафика).

    \n\n\n\n

    Автоматическая оптимизация рекламных кампаний

    \n\n\n\n

    Этот инструмент автоматизации арбитража представляет собой настройку, сравнивающий результативность лендингов или креативов. Пример автоматической оптимизации – машинное обучение. Алгоритмы машинного обучения позволяют программе самостоятельно анализировать данные, выявлять закономерности, принимать решения на основе полученной информации. Таким образом, программа может автоматически корректировать ставки, целевую аудиторию, а также другие параметры рекламной кампании, для достижения заданных результатов.

    \n\n\n\n

    Антифрод 

    \n\n\n\n

    Автоматизация в арбитраже сокращает время и ресурсы, затрачиваемые на рассмотрение споров. Однако, при использовании автоматизированного ПО возникает угроза мошенничества или фальсификации данных.

    \n\n\n\n

    Для борьбы с этими рисками были разработаны антифроды. Они представляют собой комплексные инструменты, основанные на искусственном интеллекте и машинном обучении, которые помогают выявить подозрительные действия или манипуляции с информацией.

    \n\n\n\n

    Антифрод отслеживает действия участников, выявляя нестандартные или подозрительные манипуляции, такие как увеличенное количество запросов на изменение данных или частые переписки между сторонами.

    \n\n\n\n

    Антифроды используются для проверки достоверности информации. Они проводят автоматическое сравнение со стандартными шаблонами или базами данных, чтобы выявить фальсификации или искажения.

    \n\n\n\n

    Smartlink

    \n\n\n\n

    Smartlink – инструмент, который основан на использовании для анализа больших объемов информации искусственного интеллекта и машинного обучения.

    \n\n\n\n

    Базовое преимущество Smartlink – оперативное и точное выявления паттернов. Смартлинк анализирует данные пользователя, перешедшего по ссылке, на их основе подбирая оффер. 

    \n\n\n\n

    Автоматическое управление рекламными кампаниями

    \n\n\n\n

    Автоматическое управление настраивает параметры рекламы, а затем доверяет оптимизацию специальным алгоритмам. Эти алгоритмы мониторят результаты кампаний, проводят анализ, принимают самостоятельные решения о корректировке стратегии.

    \n\n\n\n

    Автоматическое управление экономит время и силы арбитражника, освобождая от необходимости постоянно контролировать процесс. Во-вторых, алгоритмы принимают точные решения на основе статистики, что повышает результативность рекламных кампаний.

    \n\n\n\n

    Перенос метрик

    \n\n\n\n

    Перенос метрик осуществляется с помощью программного обеспечения, которое автоматически собирает и обрабатывает данные о трафике, конверсиях, доходах, а также других показателях работы кампаний. Благодаря этому арбитражникам не нужно вручную подсчитывать или анализировать данные.

    \n\n\n\n

    Перенос метрик оперативно выявляет проблемные области в работе кампаний, а также принимает меры для их устранения. 

    \n\n\n\n

    Генерация данных

    \n\n\n\n

    Генерация представляет собой техники, необходимые для прохождения регистрации в соцсетях, использования банковских карт. Специальные программы также могут автоматически сканировать интернет-ресурсы, собирать тексты, статистику, другую информацию, необходимую для подготовки аргументацию.

    \n\n\n\n

    Еще один инструмент – экспертные системы, основанные на использовании правил и знаний в определенной области. Такие системы могут автоматически принимать решения на основе предоставленных правил или данных.

    \n\n\n\n

    Инструменты для работы с трафиком

    \n\n\n\n

    Трекер – система аналитики, которая помогает отслеживать и анализировать данные о посещениях сайта или рекламной кампании. С его помощью можно определить, откуда на сайт приходят пользователи, какие страницы просматривают, сколько времени проводят на ресурсе. 

    \n\n\n\n

    SPY-сервис – это программное обеспечение, которое следит за действиями конкурентов в интернете. SPY-сервис анализирует рекламные кампании конкурентов, определяет анкоры и объявления, которые они используют, а также оценивает результат работы рекламных стратегий. Используя эту статистику, можно улучшить собственную рекламу, повысить конверсию.

    \n\n\n\n

    Антидект-браузер – еще одно ПО, помогающее обнаружить и предотвратить действия детекторов роботов. Детекторы роботов – это инструменты, которые определяют, является ли посетитель сайта человеком или ботом. Антидект-браузер имитирует поведение человека в интернете, обходя системы и получая доступ к информации или ресурсам, которые ограничены для ботов.

    \n\n\n\n

    О сервисе 

    \n\n\n\n

    Автоматизация в арбитраже – это организация выполнения рутинных задач без участия арбитражника с помощью специального инструментария.

    \n\n\n\n

    Pampadu – российский онлайн-сервис, который предлагает большой выбор инструментов для привлечения трафика в арбитраже.

    \n\n\n\n

    К базовым преимуществам площадки относятся:

    \n\n\n\n\n\n\n\n

    Работать в сервисе можно без привязки к географическому местоположению. Площадка популярна среди вебмастеров, блогеров и арбитражников не только за счет удобства пользования, но и из-за комиссии.

    \n', 'Автоматизация в арбитраже: что это, инструменты и кейсы', 'Что такое автоматизация в арбитраже: к каким процессам применима, и какие инструменты пригодятся в ее реализации?', 'publish', 'open', 'open', '', 'avtomatizatsiya-v-arbitrazhe-chto-eto-instrumenty-i-kejsy', '', '', '2023-09-08 12:25:30', '2023-09-08 12:25:30', '', 0, 'https://pampadu.ru/blog/?p=3650', 0, 'post', '', 1), (3651, 1, '2023-09-08 12:22:57', '2023-09-08 12:22:57', '', '1030х502-7 (8)', '', 'inherit', 'open', 'closed', '', '1030h502-7-8', '', '', '2023-09-08 12:22:57', '2023-09-08 12:22:57', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-7-8.jpg', 0, 'attachment', 'image/jpeg', 0), (3653, 13, '2023-09-08 12:32:42', '2023-09-08 12:32:42', '\n

    Чаще всего заголовок состоит из 5-12 слов. Человек, в среднем, читает 185 слов в минуту. То есть, чтобы оценить заголовок и понять, стоит ли вникать в статью, пользователю достаточно несколько секунд. 

    \n\n\n\n

    Специалисты онлайн платформы для заработка № 1 Pampadu расскажут, что такое кликабельный заголовок и как его сделать. Это поможет вам привлечь новых клиентов и заработать на партнерских программах.

    \n\n\n\n

    Зачем нужен заголовок

    \n\n\n\n

    Заголовок — это название видеозаписи, текста или поста, в идеале — привлекающее внимание посетителя и вкратце рассказывающее, о чем будет материал. Многих пользователей интересует, что это такое «кликабельные заголовки». Так вот, это такие, на которые можно нажать, чтобы перейти по ссылке.

    \n\n\n\n

    Хороший заголовок позволяет привлечь внимание и заработать на рекламе. Если он будет лаконичным, интересным и цепляющим, то замотивирует посетителя прочесть текст или просмотреть видео.

    \n\n\n\n

    Сделать рабочий заголовок сложно. Он должен быть таким, чтобы пользователь заинтересовался и прочитал статью, а не пролистал ее в ленте. Цепляющий заголовок дает хороший показатель CTR то есть, отношение числа кликов объявления к его показам.

    \n\n\n\n

    На роль названия статьи влияет источник трафика. Так, в естественной рекламе заголовок часто занимает до 50% от рекламного объявления, что делает его заметным для пользователей. В соцсетях на заголовки обычно приходится не более 20% от рекламного креатива. 

    \n\n\n\n

    Важность заголовка также зависит от вертикали оффера. Например, гемблинг и беттинг предложения чаще всего продвигают через видео-креативы, поэтому таким материалам названия нужны меньше.

    \n\n\n\n

    Как составить заголовок, по которому хочется кликнуть

    \n\n\n\n

    Универсальной формулы заголовка нет, ведь, создавая его, нужно учитывать интересы целевой аудитории (ЦА), где он будет размещен (в соцсети, поисковике, рекламном объявлении), какую цель преследует. Есть только рекомендации. Итак, заголовок должен:

    \n\n\n\n
      \n
    1. Быть лаконичным, ведь длинный сложно воспринимать.
      2. \n\n\n\n
    2. Соответствовать содержанию основного материала.
      3. \n\n\n\n
    3. Выделять из статьи важное.
      4. \n\n\n\n
    4. Помогать отличить материал от аналогичных.
      5. \n\n\n\n
    5. Отражать, что будет в тексте, но не «раскрывать все карты».
      6. \n
    \n\n\n\n

    Хороший заголовок должен интриговать, чтобы пользователю хотелось прочесть статью.

    \n\n\n\n

    Приведем самые кликабельные заголовки (примеры).

    \n\n\n\n

    Если написано «Число жертв крушения самолета увеличилось до 15», то итак все понятно: читать дальше бессмысленно. А вот когда сказано: «Число жертв крушения увеличилось», то пользователю станет интересно, до скольки именно, и он, возможно, прочитает текст.

    \n\n\n\n

    Другой пример: «15 простых дел, которые ничего не стоят человеку, но для животных значат много». Здесь не указывается, каких именно дел, но заголовок соответствует содержанию статьи, характеризуя количество поступков.

    \n\n\n\n

    Ниже расскажем о том, как сделать кликабельный заголовок.

    \n\n\n\n

    \n\n\n\n

    Грань между кликбейтом и кликабельным заголовком

    \n\n\n\n

    Кликбейт просто обманывает посетителя, привлекая внимание громкими фразами. Например, если написано «Вы заработает 1 млн. долларов с нуля за 2 дня», то такой заголовок врет.

    \n\n\n\n

    Кликабельный заголовок привлекает внимание читателя, но не содержит в себе обмана или сильного преувеличения. Однако тут важна тонкая грань, например, «3 секрета продающего текста, о которых вы не знали» — будет кликбейтом, если автор не поделится фишками, которых нет ни в одной книге по копирайтингу.

    \n\n\n\n

    уйтесь на онлайн платформе и начинайте зарабатывать уже сегодня.

    \n', 'Как сделать кликабельный заголовок арбитражнику', 'Узнайте, что такое кликабельный заголовок и как его создать. Это поможет вам привлечь пользователей и заработать на партнерских программах.', 'publish', 'open', 'open', '', 'kak-sdelat-klikabelnyj-zagolovok-arbitrazhniku', '', '', '2024-02-06 18:40:34', '2024-02-06 15:40:34', '', 0, 'https://pampadu.ru/blog/?p=3653', 0, 'post', '', 5), (3654, 1, '2023-09-08 12:30:10', '2023-09-08 12:30:10', '', '1030х502-6 (11)', '', 'inherit', 'open', 'closed', '', '1030h502-6-11', '', '', '2023-09-08 12:30:10', '2023-09-08 12:30:10', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-6-11.jpg', 0, 'attachment', 'image/jpeg', 0), (3656, 13, '2023-09-08 12:41:30', '2023-09-08 12:41:30', '\n

    Арбитраж трафика становится все более сложным и конкурентным. Появляются новые технологии, стратегии, методы, которые повышают результативность рекламных кампаний и увеличивают прибыль. Креативы в арбитраже привлекают внимание пользователей, одновременно стимулируя их действие. 

    \n\n\n\n

    С креативами работают как менеджеры, так и арбитражники. Последние нередко используют разнообразные инструменты для увеличения трафика. Часть из них представлена на онлайн-площадке Пампаду.

    \n\n\n\n

    Определение и виды

    \n\n\n\n

    Креатив – это рекламный материал, который используется для привлечения внимания пользователей, стимулирования их дальнейшие действия. Крео представлен в различных форматах: баннеры, видеоролики, интерактивные элементы.

    \n\n\n\n

    Креативы – это еще и инструмент маркетинга, который помогает привлечь внимание клиентов и оставить у них яркое впечатление. Материалы различают по формату и типу использования:

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    Рекомендации по разработке 

    \n\n\n\n\n\n\n\n

    Топ 5 сервисов для создания креативов

    \n\n\n\n

    Креативы для арбитража определяют успех трафика. В ТОП 2023 года вошли:

    \n\n\n\n
    1. Canva – онлайн-сервис для создания разнообразных креативов, включая баннеры, посты в социальных сетях, презентации. С Canva можно использовать готовые шаблоны или создать свой дизайн с нуля.
    2. Adobe Spark – широкий набор инструментов для создания качественных видео, изображений и веб-страниц. Возможность добавления текста, фильтров и эффектов для придания крео эстетического облика.
    3. Crello – представляет большую библиотеку шаблонов, изображений и элементов дизайна, которые можно легко редактировать и настраивать под свои нужды.
    4. Pixlr – сервис предлагает многочисленные инструменты для обрезки, коррекции цвета и добавления эффектов к изображениям.
    5. InShot – обрабатывает видеофайлы на смартфонах и планшетах. Работает с обрезкой и склейкой, звуком, скоростью.
    \n\n\n\n

    Где брать идеи для креативов

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    Во-первых, стоит обратить внимание на топовые рекламные платформы. Facebook Ads, Google Ads, TikTok Ads предоставляют возможность ознакомиться с популярными и результативными кампаниями. Исследуйте объявления конкурентов, анализируйте их успешность и применяйте полученные знания к стратегиям.

    \n\n\n\n

    Также полезно следить за трендами в дизайне и маркетинге. Просматривайте сайты специализированных изданий, блоги индустрии или социальные сети для поиска новых подходов. 

    \n\n\n\n

    Отслеживайте работы дизайнеров и копирайтеров – они станут отличной отправной точкой для создания своих креативов.

    \n\n\n\n

    Также не забывайте о ресурсах для поиска готовых шаблонов и идей. Сайты типа Behance, Dribbble или Pinterest предлагают огромное количество креативных работ, которые вдохновляют на создание собственных идей.

    \n\n\n\n

    Примеры креативов

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    Чаще пользователей привлекают броские и ли незаконченные заголовки. Для того, чтобы узнать суть пользователь почти неосознанно жмет на ссылку. Подобная интрига работает с разной целевой аудиторией. Однако если для старшего поколения важны авторитеты, то молодых людей больше интересуют события.

    \n\n\n\n

    С криптовалютами стоит сделать упор на обещание роскошной жизни, но при этом не гарантировать мгновенные заработки. Часто в сети можно увидеть следующие баннеры «самый богатый человек России открыл свою тайну» или «Вчерашняя студентка купила Бентли».

    \n\n\n\n

    При работе с сайтами знакомств упор делается на статические креативы: фото девушек с интригующей или призывающей фразой.

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    О сервисе

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    Онлайн-площадка Пампаду – это масса возможностей для арбитражника. Помимо банковских офферов, здесь можно найти партнерки и еще ряд рабочих инструментов для арбитража трафика.

    \n\n\n\n

    Нас выбирают по следующим причинам:

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    Сервис Pampadu подходит для профессионалов и новичков. Регистрируйтесь и сразу приступайте к работе.

    \n', 'Креативы для арбитража: примеры актуальных крео и подходов в 2023', 'Креативы для арбитражника: что это. Определение и виды рекламных материалов. Как научиться делать крео и что для этого использовать', 'publish', 'open', 'open', '', 'kreativy-dlya-arbitrazha-primery-aktualnyh-kreo-i-podhodov-v-2023', '', '', '2023-09-08 12:41:30', '2023-09-08 12:41:30', '', 0, 'https://pampadu.ru/blog/?p=3656', 0, 'post', '', 4), (3657, 1, '2023-09-08 12:39:36', '2023-09-08 12:39:36', '', '1030х502-5 (16)', '', 'inherit', 'open', 'closed', '', '1030h502-5-16', '', '', '2023-12-13 20:17:21', '2023-12-13 17:17:21', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-5-16.jpg', 0, 'attachment', 'image/jpeg', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (3659, 20, '2023-09-08 12:50:00', '2023-09-08 12:50:00', '\n

    Бизнес-план агентства недвижимости – это четкая программа действий организации, рассчитанная на определенный срок. Даже если вы не собираетесь привлекать сторонних инвесторов, такая программа позволит вам просчитать перспективы и риски при запуске проекта. Документ с единой структурой поможет лучше представить собственный бизнес и обнаружить ошибки в планировании, которые могли быть упущены.

    \n\n\n\n

    Сервис партнерских продаж Pampadu подготовил для вас информацию о том, как закрепиться в этой достаточно популярной нише.

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    Резюме бизнес-плана

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    Составить бизнес-план агентства недвижимости (АН) поможет четкое понимание данной сферы деятельности. Нужно представлять целевую аудиторию, способы продвижения, уровень расходов, возможные риски.

    \n\n\n\n

    В общем случае бизнес-план должен состоять из таких разделов:

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      \n
    1. Инвестиционный меморандум. Этот раздел должен обобщать информацию о запланированных капиталовложениях, сроке окупаемости, средней ежемесячной прибыли.
      2. \n\n\n\n
    2. Описание бизнеса. В разделе перечисляют функции и услуги компании.
      3. \n\n\n\n
    3. Описание рынка сбыта. Предпринимателю нужно знать свою целевую аудиторию, понимать ее приоритеты и сегментацию.
      4. \n\n\n\n
    4. Продажи и маркетинг. Этот раздел должен описывать выбранные способы и инструменты продвижения.
      5. \n\n\n\n
    5. Этапы создания. Запуск бизнеса лучше разделить на отдельные этапы, ограничив их временными интервалами.
      6. \n\n\n\n
    6. Организационная структура. В этом разделе указывают штатную численность, график работы, методы подбора, обучения персонала.
      7. \n\n\n\n
    7. Финансовый план. Здесь отображают сумму первоначальных инвестиций, ежемесячные расходы, запланированную выручку от работы АН.
      8. \n\n\n\n
    8. Факторы риска. Мониторинг рынка и анализ работы конкурентов помогут избежать перебоев в работе и других негативных моментов.
      9. \n
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    Инвестиционный план

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    Инвестиции – это опора любого проекта. Бизнесмен должен представлять, в какую сумму ему обойдется открытие собственного дела. Первоначальные затраты пойдут на регистрацию и юридическое оформление. Здесь есть два пути:

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    Следующие действия будут связаны с арендой и обустройством рабочего пространства: 

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    Этими тратами необходимость в первоначальных инвестициях не ограничивается. В зависимости от штата нужно предусмотреть фонд заработной платы, а также расходы на рекламу. На первых порах покупка CRM-системы может не понадобиться, однако стоит воспользоваться функциями платного продвижения объявлений вашего агентства на сайтах по подбору недвижимости.

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    Анализ конкурентов в сфере недвижимости

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    Для составления бизнес-плана нужно провести анализ конкуренции в вашей нише. Новая риелторская компания в областном центре не станет сразу популярной среди клиентов, а для выхода на точку безубыточности потребуется достаточно много времени. В небольших населенных пунктах у начинающих предпринимателей есть все шансы успешно открыть свой бизнес. 

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    Основными факторами конкуренции на рынке недвижимости являются:

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      \n
    1. Расценки.
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    2. Спектр оказываемых слуг.
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    3. Качество работы. 
      4. \n
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    Правильно сбалансировав все эти показатели, риелторская контора сможет получать стабильную прибыль. Выгодным для вас может стать партнерство с банками, страховыми компаниями, юридическими фирмами, застройщиками и другими организациями из смежных сфер. Конкурентным преимуществом станет и сотрудничество с платформой партнерского маркетинга Pampadu. Причем такое сотрудничество не потребует от вас никаких первоначальных вложений.

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    Периодический мониторинг СМИ, посещение тематических бизнес-форумов и других мероприятий, анализ рекламы конкурентов помогут вам составить правильное мнение о выстраивании риелторского бизнеса.

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    Конкурентные преимущества проекта

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    Легкий старт агентству обеспечивается за счет свободного входа на рынок и небольших первоначальных вложений. Однако эти же факторы приводят к повышенной конкуренции в отрасли. Чтобы иметь конкурентные преимущества, нужно сделать акцент на сильных сторонах компании, ее отличительных особенностях. Так можно снизить риск убыточности.

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    Например, вы можете предлагать клиентам различные дополнительные услуги. Это может быть консультация юриста, оценка недвижимости, подбор страховки имущества. Агентство недвижимости, которое способно решить любые проблемы клиента, всегда будет пользоваться популярностью. Будьте готовы посоветовать клиентам профессионалов из смежных отраслей – службы клининга, хоумстейджинга, вскрытия замков и т.д.

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    Качественные фото и видео жилья также влияют на покупательский спрос. Уделите внимание всем актуальным в отрасли трендам. К примеру, сейчас набирает популярность услуга 3D-тура по квартире – ее можно встретить на многих агрегаторах объявлений недвижимости.

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    Аренда офисного помещения для агентства

    \n\n\n\n

    Место расположения агентства – немаловажный фактор. В начале создания собственного бизнеса нужно уделить внимание выбору места под офис. Для начала узнайте стоимость аренды офисов в центральных районах города, в популярных бизнес-центрах. 

    \n\n\n\n

    Также стоит проверить, чтобы поблизости не располагались другие риелторские конторы. Наличие парковки станет дополнительным преимуществом для клиентов. Но и городской транспорт должен останавливаться неподалеку. Наружная вывеска поможет направить посетителей в ваш офис.

    \n\n\n\n

    График работы и штатная численность

    \n\n\n\n

    Для разработки бизнес-плана АН необходимо продумать его часы работы. Оптимальным графиком деятельности компании будет: с 10 до 21 часов в будние дни, с 9 до 18 часов – в выходные. Однако такой график требует еще планирования посменной работы сотрудников.

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    Первоначально штат агентства недвижимости может составлять:

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    Последние три позиции необязательно должны быть включены в штат – возможно, вам будет удобнее пользоваться сдельными услугами приглашенных специалистов. Но расходы на таких работников также стоит предусмотреть заранее.

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    Поиск и обучение сотрудников

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    Если вы решили открыть собственное агентство, значит, планируете нанимать сотрудников. Найти их можно с помощью сайтов по размещению вакансий и досок объявлений. Чтобы коллектив сработался и грамотно выполнял свои обязанности, стоит уделить внимание обучению и мотивации персонала.

    \n\n\n\n

    Очень важно собрать команду компетентных специалистов. Постарайтесь обеспечить сотрудникам комфортные рабочие места, корпоративную связь и достойную оплату труда. Такие условия позволят вам работать с профессионалами. Дополнительным стимулом могут стать коллективные мероприятия, различные виды тимбилдинга.

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    Прогноз доходов и ежемесячные расходы

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    Кроме стартовых расходов на открытие агентства, бизнес-план должен предусматривать прогнозирование доходов и ежемесячные отчисления.

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    К обязательным ежемесячным расходам относятся:

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    Эти показатели рассчитываются на основе количества сотрудников и выбранной стратегии продвижения.

    \n\n\n\n

    Составляя прогноз доходов, нужно запланировать среднюю стоимость сделки и количество сделок за месяц – по каждой из предоставляемых компанией услуг. Учитывая размер комиссии от сделки (или фиксированную стоимость услуги), вы сможете рассчитать ориентировочный доход риелторской конторы.

    \n\n\n\n

    К примеру, средняя стоимость аренды жилых квартир в вашем городе составляет 20 тыс. руб. Вы установили комиссию агентства, равную 50 % от арендной платы. В месяц вы планируете заключать не менее 20 подобных сделок. Тогда доход по этой категории услуг составит примерно 200 тыс. руб.

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    Реклама услуг АН

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    Одной из статей расходов агентства недвижимости будет реклама, продвижение услуг. На старте работы стоит запустить активную рекламную кампанию, повышающую узнаваемость фирмы и лояльность клиентов. Ее стоимость составит примерно 100 тыс. руб. Затем стоит предусмотреть затраты на поддерживающую рекламу в дальнейшем – к примеру, 20 тыс. руб. ежемесячно.

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    Для продвижения услуг можно воспользоваться такими инструментами:

    \n\n\n\n\n\n\n\n

    Планируя перечень расходов, подумайте о создании собственного сайта. Однако такой ресурс будет нуждаться в постоянной поддержке, продвижении и регулярных обновлениях. Но профессионально сделанный сайт может стать источником стабильного клиентского трафика.

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    Составляя смету, изучите все популярные каналы рекламы в интернете: баннерную, контекстную и таргетированную. Дополнительно можно создать отдельную группу или аккаунт агентства в соцсетях. Но тогда вам потребуются еще услуги SMM.

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    Возможные риски при открытии

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    Риелторский бизнес подвержен влиянию таких факторов риска:

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      \n
    1. Повышение конкуренции. 
      2. \n\n\n\n
    2. Экономический кризис, падение спроса и продаж. 
      3. \n\n\n\n
    3. Безответственность наемных сотрудников, недобросовестность клиентов. 
      4. \n
    \n\n\n\n

    Чтобы бизнес стал источником дохода, руководителю агентства нужно тщательно контролировать работу персонала. Не менее важно идти в ногу со временем, используя новые способы продвижения и современные технологии. Также стоит заранее подумать об антикризисных мерах: при планировании нужно работы учитывать, что периоды подъема могут чередоваться со спадом. 

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    Избежать перечисленных рисков поможет правильно составленный бизнес-план агентства недвижимости. 

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    Пример бизнес-плана агентства недвижимости

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    В статье мы описали основные разделы бизнес-плана АН. Готовый документ должен содержать конкретные расчеты, зависящие от вашей стратегии. Примеры подобной программы действий можно найти на тематических сайтах в интернете. Но вы должны адаптировать готовый шаблон под собственные цели и задачи.

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    Как увеличить доход агентства недвижимости?

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    Сервис Pampadu предлагает широкие возможности агентам по недвижимости, ипотечным брокерам и оценщикам имущества. Вы можете совмещать свою основную работу с участием в нашей партнерской программе, получая с нее дополнительный доход.

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    Каждый, кто регистрируется на площадке Пампаду, приобретает статус агента. Заполнив обязательные поля, вы получите доступ в свой личный кабинет. В нем можно увидеть предложения, доступные для сотрудничества. Также вам станет доступен чат поддержки, помощь персонального куратора и база знаний.

    \n\n\n\n

    На платформе Pampadu представлены страховые, кадровые и банковские офферы. Например, специалисты в области недвижимости могут получать комиссионные выплаты, оформляя для своих клиентов страхование ипотеки.

    \n', 'Готовый бизнес-план агентства недвижимости', 'Как составляется бизнес-план агентства недвижимости? В статье мы подробно расскажем о том, как разрабатывается программа действий будущей организации.', 'publish', 'open', 'open', '', 'gotovyj-biznes-plan-agentstva-nedvizhimosti', '', '', '2023-11-07 00:13:49', '2023-11-06 21:13:49', '', 0, 'https://pampadu.ru/blog/?p=3659', 0, 'post', '', 1), (3660, 1, '2023-09-08 12:44:48', '2023-09-08 12:44:48', '', '1030х502-3 (15)', '', 'inherit', 'open', 'closed', '', '1030h502-3-15', '', '', '2023-09-08 12:44:48', '2023-09-08 12:44:48', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-3-15.jpg', 0, 'attachment', 'image/jpeg', 0), (3662, 20, '2023-09-12 12:33:35', '2023-09-12 09:33:35', '\n

    Рынок недвижимости подвержен постоянным изменениям, которые риелтору стоит контролировать. Как нельзя лучше для этих целей подходит система быстрого обмена сообщениями. Telegram стал для многих не просто мессенджером, а настоящим медиа-пространством, источником последних новостей в различных сферах.

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    Риелтор также может использовать эти возможности, подписавшись на телеграм-каналы для недвижимости. Они позволят ему быть в курсе тенденций рынка, следить за новостями, делиться опытом с коллегами. Сервис партнерских продаж Pampadu открыт к взаимодействию со специалистами рынка недвижимости. Мы выяснили, какие ресурсы будут интересны для риелторов и ипотечных брокеров, подготовив собственную подборку.

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    Топ-12 телеграм-каналов для риелторов

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    1. Железобетонный замес

    \n\n\n\n
    \nhttps://t.me/Jelezobetonniyzames\n
    \n\n\n\n

    52,3К подписчиков

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    Познавательный ресурс о мире недвижимости. Мнения экспертов, новости от застройщиков, изменения законодательства – контент этого канала впечатляет. Неудивительно, что он лидирует по количеству подписчиков в подборке.

    \n\n\n\n

    2. Квадратный Мэтр

    \n\n\n\n
    \nhttps://t.me/kvadratnymaster\n
    \n\n\n\n

    44,9К подписчиков

    \n\n\n\n

    Девиз его авторов: «На метр впереди новостей». Подписавшись на канал, вы будете в курсе новых законопроектов, проблем на стройплощадках, развития территорий, состояния рынка недвижимости. Авторы издания анализируют текущие события в строительной отрасли и делятся с подписчиками актуальной информацией.

    \n\n\n\n

    3. Недвижа 

    \n\n\n\n
    \nhttps://t.me/nedvizha\n
    \n\n\n\n

    44,7К подписчиков

    \n\n\n\n

    Этот ресурс сфокусирован в основном на рынке Москвы и Московской области. Но иногда в нем размещаются посты об общероссийском и зарубежном рынках. Также здесь представлены новости от девелоперов, информация о проблемных объектах, аналитика рынка жилой и коммерческой собственности.

    \n\n\n\n

    ий, профессионально развиваться и находить новые перспективы для работы.

    \n\n\n\n

    Как риелтору увеличить размер своего дохода?

    \n\n\n\n

    Вы можете получать вознаграждение, пользуясь услугами платформы Pampadu. Присоединившись к нашей партнерской программе, вы сможете в несколько раз увеличить свой доход в сфере недвижимости. Например, вы можете стать посредником в страховании ипотечной собственности и получать комиссию за каждый оформленный полис.

    \n\n\n\n

    Регистрация на платформе Pampadu занимает менее пяти минут. После этого вы получите мгновенный доступ ко всем предложениям партнерской программы. Даже новички, не имеющие опыта продаж, могут легко начать зарабатывать под руководством персонального наставника!

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    Рынок недвижимости подвержен постоянным изменениям, которые риелтору стоит контролировать. Как нельзя лучше для этих целей подходит система быстрого обмена сообщениями. Telegram стал для многих не просто мессенджером, а настоящим медиа-пространством, источником последних новостей в различных сферах.

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    Риелтор также может использовать эти возможности, подписавшись на телеграм-каналы для недвижимости. Они позволят ему быть в курсе тенденций рынка, следить за новостями, делиться опытом с коллегами. Сервис партнерских продаж Pampadu открыт к взаимодействию со специалистами рынка недвижимости. Мы выяснили, какие ресурсы будут интересны для риелторов и ипотечных брокеров, подготовив собственную подборку.

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    Топ-12 телеграм-каналов для риелторов

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    1. Железобетонный замес

    \n\n\n\n
    \nhttps://t.me/Jelezobetonniyzames\n
    \n\n\n\n

    52,3К подписчиков

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    Познавательный ресурс о мире недвижимости. Мнения экспертов, новости от застройщиков, изменения законодательства – контент этого канала впечатляет. Неудивительно, что он лидирует по количеству подписчиков в подборке.

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    2. Квадратный Мэтр

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    \nhttps://t.me/kvadratnymaster\n
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    44,9К подписчиков

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    Девиз его авторов: «На метр впереди новостей». Подписавшись на канал, вы будете в курсе новых законопроектов, проблем на стройплощадках, развития территорий, состояния рынка недвижимости. Авторы издания анализируют текущие события в строительной отрасли и делятся с подписчиками актуальной информацией.

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    3. Недвижа 

    \n\n\n\n
    \nhttps://t.me/nedvizha\n
    \n\n\n\n

    44,7К подписчиков

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    Этот ресурс сфокусирован в основном на рынке Москвы и Московской области. Но иногда в нем размещаются посты об общероссийском и зарубежном рынках. Также здесь представлены новости от девелоперов, информация о проблемных объектах, аналитика рынка жилой и коммерческой собственности.

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    4. Белая Каска

    \n\n\n\n
    \nhttps://t.me/belaya_kaska\n
    \n\n\n\n

    44,6К подписчиков

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    Авторы представляют ресурс как отраслевое СМИ. Здесь публикуются анонсы реформ, новости регионов, мнения экспертов, другая полезная информация из сферы недвижимости.

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    5. Циан для профи

    \n\n\n\n
    \nhttps://t.me/cian_realtor\n
    \n\n\n\n

    40,2К подписчиков

    \n\n\n\n

    Официальный телеграмм-канал «Циан» для риелторов и партнеров площадки. Ресурс поддерживается самым крупным профессиональным сообществом по недвижимости в России.

    \n\n\n\n

    6. Авито Недвижимость

    \n\n\n\n
    \nhttps://t.me/avito_re_pro\n
    \n\n\n\n

    36К подписчиков

    \n\n\n\n

    Тематический ресурс от площадки «Авито» создан для профессионалов рынка собственности. Здесь представлены новые функции, специальные предложения, анонсы мероприятий для экспертов отрасли.

    \n\n\n\n

    7. Домклик

    \n\n\n\n
    \nhttps://t.me/domclick\n
    \n\n\n\n

    34,4К подписчиков

    \n\n\n\n

    Официальный телеграмм-канал сайта Domclick.ru. Портал размещает здесь самую важную информацию про недвижимость и ипотеку в компактном формате. Для удобства пользователей еженедельно публикуется топ главных новостей, а также подборка полезных статей.

    \n\n\n\n

    8. Ипотека и недвижимость

    \n\n\n\n
    \nhttps://t.me/ipotekahouse\n
    \n\n\n\n

    31,1К подписчиков

    \n\n\n\n

    Профессиональный блог об ипотеке существует с 2017 года. На канале публикуются тематические новости с авторскими комментариями, разбираются анонсы законодательных изменений. Здесь вы также найдете информацию об изменениях условий ипотечных программ, полезные лонгриды, познавательные материалы по теме кредитов на покупку недвижимого имущества.

    \n\n\n\n

    9. РИА Недвижимость

    \n\n\n\n
    \nhttps://t.me/ria_realty\n
    \n\n\n\n

    26,4К подписчиков

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    Этот канал поддерживается редакцией сайта «РИА Недвижимость». Если вы хотите быть в курсе последних новостей рынка, то стоит на него подписаться. Вы узнаете об изменениях в законодательстве, ознакомитесь с качественной аналитикой на тему льгот, ипотеки.

    \n\n\n\n

    10. Кровь и бетон

    \n\n\n\n
    \nhttps://t.me/blood_concrete\n
    \n\n\n\n

    23,3К подписчиков

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    Этот канал – совместный проект 10 экспертов строительной индустрии и рынка недвижимого имущества. Здесь можно найти много полезной информации, которую стоит знать при покупке или аренде собственности. Авторы отвечают на вопросы подписчиков и показывают всю изнанку строительной отрасли.

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    10. Монолит
    https://t.me/monolitniy 

    \n\n\n\n

    23,1К подписчиков

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    Авторский ресурс от экспертов рынка недвижимого имущества. Здесь вас ждут инсайды, опытный взгляд изнутри отрасли. Также тут представлены актуальные предложения от застройщиков, новости о коммерческой собственности и многое другое.

    \n\n\n\n

    11. Filatoff Inc. 

    \n\n\n\n
    \nhttps://t.me/filatofff\n
    \n\n\n\n

    Авторский канал ведущего специалиста газеты «Ведомости» Антона Филатова. Автор работает в индустрии более 18 лет. Он размещает на канале инсайды, новости о судебных разбирательствах, резонансных проектах, банкротстве застройщиков и аналитике.

    \n\n\n\n

    12. РБК Недвижимость

    \n\n\n\n
    \nhttps://t.me/realty_rbc\n
    \n\n\n\n

    10,4К подписчиков

    \n\n\n\n

    Замыкает топ ресурс, принадлежащий редакции сайта «РБК Недвижимость». Здесь публикуются главные новости о ситуации на рынке в РФ, мнения аналитиков и полезные обзоры для инвесторов, владельцев и покупателей собственности.

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    Зачем риелторам читать телеграм-каналы о недвижимости?

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    Подписавшись на полезные каналы в Telegram, вы сможете получать интересную для вас информацию в удобном формате.

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    Информационное обновление

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    На каналах представлены новости, актуальные тенденции рынка недвижимости, изменения в законодательстве – запланированные или вступившие в силу. Эта информация будет полезной в работе риелтора и планировании инвестиций.

    \n\n\n\n

    Повышение профессионального уровня

    \n\n\n\n

    Чтение телеграм-каналов для риелтора – это не досуг, а полезная привычка. Так вы сможете постоянно повышать свои знания, узнавать о новых способах продвижения услуг, стратегиях продаж и полезных инструментах для работы с клиентами.

    \n\n\n\n

    Расширение возможностей

    \n\n\n\n

    В телеграм-каналах о недвижимости нередко публикуют мнения экспертов и аналитику рынка от профессионалов в данной области. Некоторым из них даже можно задавать вопросы. Это дополнительная возможность для обмена опытом и заведения новых связей.

    \n\n\n\n

    Чтение телеграмм-каналов на тему строительства и недвижимости позволит риелторам быть в курсе событий, профессионально развиваться и находить новые перспективы для работы.

    \n\n\n\n

    Как риелтору увеличить размер своего дохода?

    \n\n\n\n

    Вы можете получать вознаграждение, пользуясь услугами платформы Pampadu. Присоединившись к нашей партнерской программе, вы сможете в несколько раз увеличить свой доход в сфере недвижимости. Например, вы можете стать посредником в страховании ипотечной собственности и получать комиссию за каждый оформленный полис.

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    Регистрация на платформе Pampadu занимает менее пяти минут. После этого вы получите мгновенный доступ ко всем предложениям партнерской программы. Даже новички, не имеющие опыта продаж, могут легко начать зарабатывать под руководством персонального наставника!

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    Бизнес-план агентства недвижимости – это четкая программа действий организации, рассчитанная на определенный срок. Даже если вы не собираетесь привлекать сторонних инвесторов, такая программа позволит вам просчитать перспективы и риски при запуске проекта. Документ с единой структурой поможет лучше представить собственный бизнес и обнаружить ошибки в планировании, которые могли быть упущены.

    \n\n\n\n

    Сервис партнерских продаж Pampadu подготовил для вас информацию о том, как закрепиться в этой достаточно популярной нише.

    \n\n\n\n

    Резюме бизнес-плана

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    Составить бизнес-план агентства недвижимости (АН) поможет четкое понимание данной сферы деятельности. Нужно представлять целевую аудиторию, способы продвижения, уровень расходов, возможные риски.

    \n\n\n\n

    В общем случае бизнес-план должен состоять из таких разделов:

    \n\n\n\n
      \n
    1. Инвестиционный меморандум. Этот раздел должен обобщать информацию о запланированных капиталовложениях, сроке окупаемости, средней ежемесячной прибыли.
      2. \n\n\n\n
    2. Описание бизнеса. В разделе перечисляют функции и услуги компании.
      3. \n\n\n\n
    3. Описание рынка сбыта. Предпринимателю нужно знать свою целевую аудиторию, понимать ее приоритеты и сегментацию.
      4. \n\n\n\n
    4. Продажи и маркетинг. Этот раздел должен описывать выбранные способы и инструменты продвижения.
      5. \n\n\n\n
    5. Этапы создания. Запуск бизнеса лучше разделить на отдельные этапы, ограничив их временными интервалами.
      6. \n\n\n\n
    6. Организационная структура. В этом разделе указывают штатную численность, график работы, методы подбора, обучения персонала.
      7. \n\n\n\n
    7. Финансовый план. Здесь отображают сумму первоначальных инвестиций, ежемесячные расходы, запланированную выручку от работы АН.
      8. \n\n\n\n
    8. Факторы риска. Мониторинг рынка и анализ работы конкурентов помогут избежать перебоев в работе и других негативных моментов.
      9. \n
    \n\n\n\n

    Инвестиционный план

    \n\n\n\n

    Инвестиции – это опора любого проекта. Бизнесмен должен представлять, в какую сумму ему обойдется открытие собственного дела. Первоначальные затраты пойдут на регистрацию и юридическое оформление. Здесь есть два пути:

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    Следующие действия будут связаны с арендой и обустройством рабочего пространства: 

    \n\n\n\n\n\n\n\n

    Этими тратами необходимость в первоначальных инвестициях не ограничивается. В зависимости от штата нужно предусмотреть фонд заработной платы, а также расходы на рекламу. На первых порах покупка CRM-системы может не понадобиться, однако стоит воспользоваться функциями платного продвижения объявлений вашего агентства на сайтах по подбору недвижимости.

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    Анализ конкурентов в сфере недвижимости

    \n\n\n\n

    Для составления бизнес-плана нужно провести анализ конкуренции в вашей нише. Новая риелторская компания в областном центре не станет сразу популярной среди клиентов, а для выхода на точку безубыточности потребуется достаточно много времени. В небольших населенных пунктах у начинающих предпринимателей есть все шансы успешно открыть свой бизнес. 

    \n\n\n\n

    Основными факторами конкуренции на рынке недвижимости являются:

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      \n
    1. Расценки.
      2. \n\n\n\n
    2. Спектр оказываемых слуг.
      3. \n\n\n\n
    3. Качество работы. 
      4. \n
    \n\n\n\n

    Правильно сбалансировав все эти показатели, риелторская контора сможет получать стабильную прибыль. Выгодным для вас может стать партнерство с банками, страховыми компаниями, юридическими фирмами, застройщиками и другими организациями из смежных сфер. Конкурентным преимуществом станет и сотрудничество с платформой партнерского маркетинга Pampadu. Причем такое сотрудничество не потребует от вас никаких первоначальных вложений.

    \n\n\n\n

    Периодический мониторинг СМИ, посещение тематических бизнес-форумов и других мероприятий, анализ рекламы конкурентов помогут вам составить правильное мнение о выстраивании риелторского бизнеса.

    \n\n\n\n

    Конкурентные преимущества проекта

    \n\n\n\n

    Легкий старт агентству обеспечивается за счет свободного входа на рынок и небольших первоначальных вложений. Однако эти же факторы приводят к повышенной конкуренции в отрасли. Чтобы иметь конкурентные преимущества, нужно сделать акцент на сильных сторонах компании, ее отличительных особенностях. Так можно снизить риск убыточности.

    \n\n\n\n

    Например, вы можете предлагать клиентам различные дополнительные услуги. Это может быть консультация юриста, оценка недвижимости, подбор страховки имущества. Агентство недвижимости, которое способно решить любые проблемы клиента, всегда будет пользоваться популярностью. Будьте готовы посоветовать клиентам профессионалов из смежных отраслей – службы клининга, хоумстейджинга, вскрытия замков и т.д.

    \n\n\n\n

    Качественные фото и видео жилья также влияют на покупательский спрос. Уделите внимание всем актуальным в отрасли трендам. К примеру, сейчас набирает популярность услуга 3D-тура по квартире – ее можно встретить на многих агрегаторах объявлений недвижимости.

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    Аренда офисного помещения для агентства

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    Место расположения агентства – немаловажный фактор. В начале создания собственного бизнеса нужно уделить внимание выбору места под офис. Для начала узнайте стоимость аренды офисов в центральных районах города, в популярных бизнес-центрах. 

    \n\n\n\n

    Также стоит проверить, чтобы поблизости не располагались другие риелторские конторы. Наличие парковки станет дополнительным преимуществом для клиентов. Но и городской транспорт должен останавливаться неподалеку. Наружная вывеска поможет направить посетителей в ваш офис.

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    График работы и штатная численность

    \n\n\n\n

    Для разработки бизнес-плана АН необходимо продумать его часы работы. Оптимальным графиком деятельности компании будет: с 10 до 21 часов в будние дни, с 9 до 18 часов – в выходные. Однако такой график требует еще планирования посменной работы сотрудников.

    \n\n\n\n

    Первоначально штат агентства недвижимости может составлять:

    \n\n\n\n\n\n\n\n

    Последние три позиции необязательно должны быть включены в штат – возможно, вам будет удобнее пользоваться сдельными услугами приглашенных специалистов. Но расходы на таких работников также стоит предусмотреть заранее.

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    Поиск и обучение сотрудников

    \n\n\n\n

    Если вы решили открыть собственное агентство, значит, планируете нанимать сотрудников. Найти их можно с помощью сайтов по размещению вакансий и досок объявлений. Чтобы коллектив сработался и грамотно выполнял свои обязанности, стоит уделить внимание обучению и мотивации персонала.

    \n\n\n\n

    Очень важно собрать команду компетентных специалистов. Постарайтесь обеспечить сотрудникам комфортные рабочие места, корпоративную связь и достойную оплату труда. Такие условия позволят вам работать с профессионалами. Дополнительным стимулом могут стать коллективные мероприятия, различные виды тимбилдинга.

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    Прогноз доходов и ежемесячные расходы

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    Кроме стартовых расходов на открытие агентства, бизнес-план должен предусматривать прогнозирование доходов и ежемесячные отчисления.

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    К обязательным ежемесячным расходам относятся:

    \n\n\n\n\n\n\n\n

    Эти показатели рассчитываются на основе количества сотрудников и выбранной стратегии продвижения.

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    Составляя прогноз доходов, нужно запланировать среднюю стоимость сделки и количество сделок за месяц – по каждой из предоставляемых компанией услуг. Учитывая размер комиссии от сделки (или фиксированную стоимость услуги), вы сможете рассчитать ориентировочный доход риелторской конторы.

    \n\n\n\n

    К примеру, средняя стоимость аренды жилых квартир в вашем городе составляет 20 тыс. руб. Вы установили комиссию агентства, равную 50 % от арендной платы. В месяц вы планируете заключать не менее 20 подобных сделок. Тогда доход по этой категории услуг составит примерно 200 тыс. руб.

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    Реклама услуг АН

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    Одной из статей расходов агентства недвижимости будет реклама, продвижение услуг. На старте работы стоит запустить активную рекламную кампанию, повышающую узнаваемость фирмы и лояльность клиентов. Ее стоимость составит примерно 100 тыс. руб. Затем стоит предусмотреть затраты на поддерживающую рекламу в дальнейшем – к примеру, 20 тыс. руб. ежемесячно.

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    Для продвижения услуг можно воспользоваться такими инструментами:

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    Планируя перечень расходов, подумайте о создании собственного сайта. Однако такой ресурс будет нуждаться в постоянной поддержке, продвижении и регулярных обновлениях. Но профессионально сделанный сайт может стать источником стабильного клиентского трафика.

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    Составляя смету, изучите все популярные каналы рекламы в интернете: баннерную, контекстную и таргетированную. Дополнительно можно создать отдельную группу или аккаунт агентства в соцсетях. Но тогда вам потребуются еще услуги SMM.

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    Возможные риски при открытии

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    Риелторский бизнес подвержен влиянию таких факторов риска:

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    1. Повышение конкуренции. 
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    2. Экономический кризис, падение спроса и продаж. 
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    3. Безответственность наемных сотрудников, недобросовестность клиентов. 
      4. \n
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    Чтобы бизнес стал источником дохода, руководителю агентства нужно тщательно контролировать работу персонала. Не менее важно идти в ногу со временем, используя новые способы продвижения и современные технологии. Также стоит заранее подумать об антикризисных мерах: при планировании нужно работы учитывать, что периоды подъема могут чередоваться со спадом. 

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    Избежать перечисленных рисков поможет правильно составленный бизнес-план агентства недвижимости. 

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    Пример бизнес-плана агентства недвижимости

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    В статье мы описали основные разделы бизнес-плана АН. Готовый документ должен содержать конкретные расчеты, зависящие от вашей стратегии. Примеры подобной программы действий можно найти на тематических сайтах в интернете. Но вы должны адаптировать готовый шаблон под собственные цели и задачи.

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    Как увеличить доход агентства недвижимости?

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    Сервис Pampadu предлагает широкие возможности агентам по недвижимости, ипотечным брокерам и оценщикам имущества. Вы можете совмещать свою основную работу с участием в нашей партнерской программе, получая с нее дополнительный доход.

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    Каждый, кто регистрируется на площадке Пампаду, приобретает статус агента. Заполнив обязательные поля, вы получите доступ в свой личный кабинет. В нем можно увидеть предложения, доступные для сотрудничества. Также вам станет доступен чат поддержки, помощь персонального куратора и база знаний.

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    На платформе Pampadu представлены страховые, кадровые и банковские офферы. Например, специалисты в области недвижимости могут получать комиссионные выплаты, оформляя для своих клиентов страхование ипотеки.

    \n', 'Готовый бизнес-план агентства недвижимости', 'Как составляется бизнес-план агентства недвижимости? В статье мы подробно расскажем о том, как разрабатывается программа действий будущей организации.', 'inherit', 'closed', 'closed', '', '3659-revision-v1', '', '', '2023-09-18 12:50:49', '2023-09-18 09:50:49', '', 3659, 'http://pamtest.ru/?p=4569', 0, 'revision', '', 0), (4570, 1, '2023-09-18 12:52:31', '2023-09-18 09:52:31', '\n

    В каждой сфере деятельности есть определенные термины и понятия. Некоторые люди предпочитают удаленный формат работы. Получать доход можно на арбитраже трафика, занимаясь контекстной или таргетированной рекламой, рассылая сообщения по электронной почте или СМС. 

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    Сервис Пампаду предоставляет своим пользователям возможности для заработка. Ежедневно на сайте регистрируются новые люди, желающие попробовать себя в новой профессии. Словарь арбитражника трафика поможет новичкам быстрее влиться в рабочий процесс и начать получать доход. 

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    Словарь арбитражника: все термины и понятия 2023 года

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    Как другие профессии, работа арбитражника подразумевает определенную специфику. Это термины и сокращения. Изучив их, пользователи сайта Пампаду смогут оценить условия офферов и разберутся, как эффективнее привлекать клиентов. 

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    Словарь арбитражника трафика с пояснением будет полезен не только новичку, но и тем, кто давно зарегистрирован на Пампаду, успешно работает страховым агентом или брокером и хочет попробовать себя в арбитраже. 

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    А/Б тестирование – это метод маркетингового исследования. Его также называют сплит-тестированием. Инструмент направлен на повышение конверсии стартовых страниц. Суть метода заключается в изучении поведения аудитории при посещении сайтов. Он позволяет определить не интуитивно, а на основе проведенного исследования, как поведут себя пользователи, если внести изменения на посадочных страницах. Например, при добавлении виджета, всплывающего окна, раздела. Для изучения мнения посетителей аудиторию делят на сегменты. Одна часть пользователей видит прежний вариант сайта, а другая – с изменениями. А/Б тестирование поможет улучшить платформу без оттока посетителей.

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    Адверт – это рекламодатель или заказчик. Он отправляет офферы и оплачивает владельцу информационного ресурса вознаграждения за верно выполненные действия. Например, за состоявшуюся сделку, регистрацию новых пользователей. Адвертом может являться и вебмастер, который льет трафик на себя.

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    Аппрув – с английского языка Approve переводится, как «одобрять». Этот термин означает подтверждение целевого действия. В арбитраже трафика он выражается в процентах и указывает на количество подтвержденных или одобренных конверсий от общего числа лидов. Например, арбитражник льет трафик на услугу страховой компании. Он получил 60 лидов, из которых 15 отсеялись сами, а 10 забраковала партнёрка. В результате были подтверждены 45 лидов. Это и есть количество одобренных конверсий.

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    API – способ автоматизации процессов в арбитраже, который помогает привлекать трафик. С помощью настроенного протокола обмена данными можно получать запросы от потенциальных клиентов и автоматически отправлять им ответы. Этот инструмент отслеживает действия пользователей в сети и увеличивают конверсию на сайт. Научиться этому не так сложно, как может показаться. API поможет увеличить количество переходов на сайт, что приведет к сделкам и получению дохода. 

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    Арбитраж трафика – покупка и последующая продажа ранее купленного интернет-трафика по более выгодной цене. Говоря простыми словами, это привлечение посетителей на сайты или клиентов на услуги. Арбитражник трафика за определенную стоимость размещает рекламные объявления об офферах Пампаду на разных источниках, например, тизеры, настраивает таргет в социальных сетях, или использует директ-мейл. Таким образом, он приводит посетителей на сайт партнера. Если потенциальный клиент купил страховку, оформил кредит, перейдя по ссылке, то рекламодатель за каждую сделку заплатит арбитражнику вознаграждение. Если человек, желающий получать дополнительный доход на платформе, разбирается в основах маркетинга, может настроить таргетинговую или контекстную рекламу, знает не понаслышке, что такое SEO-оптимизация, может сам сверстать продающий макет баннера, то на сотрудничестве с Пампаду он может хорошо заработать.

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    Арбитражник, он же вебмастер – сотрудник или удаленный работник, который размещает рекламу в Интернете, занимается ее настройкой, чтобы перенаправлять трафик (пользователей) на сайт компании или услугу. За регистрацию новых пользователей или продажу он получает вознаграждение. Размер заработка зависит от целевого действия: регистрации или сделки.

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    Вапклик – способ оплаты контента или монетизации мобильного трафика.

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    Вертикаль – это группа офферов, которые можно объединить по теме, виду услуги. Например, финансы, страхование или кредитование физлиц. Вертикаль определяет способы арбитража, методы привлечения трафика на сайт, маркетинговые инструменты и площадки размещения рекламы. 

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    Виджеты – вид партизанского маркетинга, который представляет собой калькуляторы для расчета стоимости страховки, оформления или продления полиса. Виджеты можно устанавливать в качестве рекламы в социальных сетях или сайтах, чтобы заинтересовать потенциальных клиентов. Такой онлайн-калькулятор, например, позволяет наглядно увидеть размер предполагаемого кредита с указанием основного долга, процентов, длительности займа. 

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    Витрина – это еще один инструмент, который используется для привлечения пользователей на веб-станицу. В отличие от виджетов, которые представляют собой онлайн-калькулятор, витрина – это перечень предложений от банков или финансовых организаций. Арбитражник может менять интерфейс сайта, добавлять виджеты, всплывающие окна, чтобы сайт был наиболее удобным и понятным для посетителей и помогал привлекать трафик.

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    Дорвей – веб-страница или сайт, который помогает перенаправлять трафик (пользователей) на целевой ресурс, где размещена информация о партнерской программе или предложения рекламодателя. Дорвейный сайт оптимизирован под запросы пользователей и таким образом «ловит» потенциальных клиентов. Создание дорвеев обычно требует больших финансовых затрат и зачастую обходится дешевле контекстной рекламы. Доры обычно не несут информационной пользы. Их продвигают по Seo для последующего перенаправления трафика. То есть, человек, забивая в Яндексе или Гугле поисковый запрос «оформить ОСАГО» попадает не на официальный сайт страховой компании, а на дорвейный. По скрытой ссылке он переходит на веб-страницу рекламодателя.

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    У такого инструмента есть и минусы. Дорвейные сайты со временем попадают в бан. Но некоторые опытные арбитражники с помощью API, баз данных находят выходы.

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    Инсталл – целевое действие, которое предполагает установку  приложения из App Store или Google Play.За него арбитражник получает вознаграждение. 

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    CPA – оплата за определенные действия, совершенные посетителем.

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    CPS – оплата, которую производит рекламодатель арбитражнику за продажу услуги.

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    Кейс – реальные или придуманные истории, в которых арбитражники делятся своим опытом заработка на Пампаду. Кейсы хорошо «заходят» в социальных сетях, Тик-токе или на Ютубе. Могут быть преподнесены в виде текста или видео.

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    Конверсия – Указывает на отношение пользователей, совершивших целевое действие (регистрацию или покупку), к общему числу посетителей. Показатель конверсии принято выражать в процентах. По показателю можно оценить результативность привлечения трафика, эффективность рекламы, рассылки или других маркетинговых инструментов.

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    Креатив – это рекламный или промо-материал, который используется арбитражником для привлечения трафика (виджет, баннер, витрина, текст рассылки, видео, кейс).

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    Лендинг – посадочная или стартовая страница сайта. На нее попадает пользователь после перехода с рекламного сообщения. На лендингах применяются специальные маркетинговые приемы – триггеры. Это способ подтолкнуть посетителя к целевому действию с помощью кричащих заголовков, ярких картинок, слоганов, краткой информации о выгодных предложениях. 

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    Лид – пользователь, который перешел по ссылке в рассылке или рекламному объявлению и совершил целевое действие: зарегистрировался на сайте, оформил заявку на кредит, ипотеку, приобрел или продлил страховой полис.

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    Мотивированный трафик – привлечение посетителей на сайт для совершения целевого действия за оплату или получение бонусов.

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    Оффер – услуга рекламодателя, на продвижении и продаже которой арбитражник зарабатывает деньги. 

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    Охват – процентное соотношение пользователей, которые просмотрели рекламное сообщение, к числу потенциальных посетителей, на которых реклама была рассчитана. Задача арбитражника – увеличивать охват целевой аудитории, используя маркетинговые инструменты. 

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    Партнерка (Партнерская программа или ПП) - это организация, которая размещает офферы для арбитражников.

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    Переходы – количество посещений страницы или сайта. Включает не уникальных пользователей, а общее число просмотров веб-ресурса.

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    Показ – единичный факт предъявления посетителю рекламного материала: объявления, баннера или видео.

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    Попандер – отдельное всплывающее окно с рекламным сообщением, которое пользователь видит после закрытия основной страницы. 

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    Постбэк - это инструмент, который позволяет получать информацию о действиях, которые совершает пользователь с оффером. Благодаря запросу системы к серверу арбитражнику поступают данные о количестве переходов, конверсий.

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    Поток – настроенный рекламный канал арбитражника, который содержит информацию об оффере. Иными словами, это ссылка, на которую поступает трафик.

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    Реферал – пользователь, который зарегистрировался после перехода по ссылке. Вознаграждение приходит тому человеку, по ссылке которого был сделан переход.

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    Семантическое ядро - это набор ключевых и тематических слов, которые используются как отдельно, так в словосочетаниях и фразах. «Ключи» работают на запросы посетителей. Если правильно и в нужном количестве подобрать ключевые слова, веб-страница будет отображаться в верхних строках поиска. Это увеличит количество просмотров, переходов и конверсию.

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    Тизер – вид нативной рекламы. Чаще всего содержит завлекающий, интригующий заголовок и привлекательное фото или видео.

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    Трафик – это количество посетителей сайта за определенный промежуток времени. 

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    Трекер – это инструмент, позволяющий с помощью автоматизированных сервисов собирать данные о маркетинговых активностях. С помощью этого софта проще анализировать свою рекламную деятельность и управлять трафиком.

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    Таргетинг – инструмент в маркетинге, который позволяет настроить рекламу там, чтобы ее видела целевая аудитория. 

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    TDS – система распределения трафика.

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    Фулфилмент – комплекс услуг, включающий в себя все операции от подачи заявки до завершения сделки.

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    Фрод – предоставление некачественного трафика. Например, регистрация ботов. 

    \n', 'Словарь арбитражника: все термины и понятия', 'В каждой сфере деятельности есть определенные термины и понятия. Некоторые люди предпочитают удаленный формат работы. Получать доход можно на арбитраже трафика, занимаясь контекстной.', 'inherit', 'closed', 'closed', '', '3606-revision-v1', '', '', '2023-09-18 12:52:31', '2023-09-18 09:52:31', '', 3606, 'http://pamtest.ru/?p=4570', 0, 'revision', '', 0), (4575, 1, '2023-10-24 12:12:04', '2023-10-24 08:40:34', '', 'Риелторам', '', 'publish', 'closed', 'closed', '', '%d1%80%d0%b8%d0%b5%d0%bb%d1%82%d0%be%d1%80%d0%b0%d0%bc', '', '', '2023-10-24 12:12:04', '2023-10-24 09:12:04', '', 0, 'http://pamtest.ru/?p=4575', 2, 'nav_menu_item', '', 0), (4577, 1, '2023-11-01 13:30:06', '2023-11-01 10:30:06', '', 'Blog', '', 'inherit', 'closed', 'closed', '', '4558-revision-v1', '', '', '2023-11-01 13:30:06', '2023-11-01 10:30:06', '', 4558, 'http://pamtest.ru/?p=4577', 0, 'revision', '', 0), (4578, 1, '2023-11-02 12:46:15', '2023-11-02 09:46:15', '', 'Blog', '', 'inherit', 'closed', 'closed', '', '4558-revision-v1', '', '', '2023-11-02 12:46:15', '2023-11-02 09:46:15', '', 4558, 'http://pamtest.ru/?p=4578', 0, 'revision', '', 0), (4579, 1, '2023-11-02 12:46:59', '2023-11-02 09:46:59', '', 'Blog', '', 'inherit', 'closed', 'closed', '', '4558-revision-v1', '', '', '2023-11-02 12:46:59', '2023-11-02 09:46:59', '', 4558, 'http://pamtest.ru/?p=4579', 0, 'revision', '', 0), (4580, 1, '2023-11-02 17:25:08', '2023-11-02 14:25:08', '', 'Blog', '', 'inherit', 'closed', 'closed', '', '4558-revision-v1', '', '', '2023-11-02 17:25:08', '2023-11-02 14:25:08', '', 4558, 'http://pamtest.ru/?p=4580', 0, 'revision', '', 0), (4582, 1, '2023-11-03 14:18:45', '2023-11-03 11:18:45', 'a:8:{s:8:\"location\";a:2:{i:0;a:1:{i:0;a:3:{s:5:\"param\";s:4:\"page\";s:8:\"operator\";s:2:\"==\";s:5:\"value\";s:4:\"4558\";}}i:1;a:1:{i:0;a:3:{s:5:\"param\";s:11:\"page_parent\";s:8:\"operator\";s:2:\"==\";s:5:\"value\";s:4:\"4558\";}}}s:8:\"position\";s:6:\"normal\";s:5:\"style\";s:7:\"default\";s:15:\"label_placement\";s:3:\"top\";s:21:\"instruction_placement\";s:5:\"label\";s:14:\"hide_on_screen\";s:0:\"\";s:11:\"description\";s:0:\"\";s:12:\"show_in_rest\";i:0;}', 'Список тегов', '%d1%81%d0%bf%d0%b8%d1%81%d0%be%d0%ba-%d1%82%d0%b5%d0%b3%d0%be%d0%b2', 'publish', 'closed', 'closed', '', 'group_6544d52f2d7d6', '', '', '2023-11-06 14:01:18', '2023-11-06 11:01:18', '', 0, 'http://pamtest.ru/?post_type=acf-field-group&p=4582', 0, 'acf-field-group', '', 0), (4583, 1, '2023-11-03 14:18:44', '2023-11-03 11:18:44', 'a:16:{s:10:\"aria-label\";s:0:\"\";s:4:\"type\";s:8:\"taxonomy\";s:12:\"instructions\";s:0:\"\";s:8:\"required\";i:0;s:17:\"conditional_logic\";i:0;s:7:\"wrapper\";a:3:{s:5:\"width\";s:0:\"\";s:5:\"class\";s:0:\"\";s:2:\"id\";s:0:\"\";}s:8:\"taxonomy\";s:8:\"post_tag\";s:8:\"add_term\";i:1;s:10:\"save_terms\";i:0;s:10:\"load_terms\";i:0;s:13:\"return_format\";s:6:\"object\";s:10:\"field_type\";s:12:\"multi_select\";s:10:\"allow_null\";i:0;s:13:\"bidirectional\";i:0;s:8:\"multiple\";i:0;s:20:\"bidirectional_target\";a:0:{}}', 'Список тегов', 'tag_list', 'publish', 'closed', 'closed', '', 'field_6544d52a585c0', '', '', '2023-11-03 14:32:10', '2023-11-03 11:32:10', '', 4582, 'http://pamtest.ru/?post_type=acf-field&p=4583', 0, 'acf-field', '', 0), (4584, 1, '2023-11-03 14:26:41', '2023-11-03 11:26:41', '', 'Blog', '', 'inherit', 'closed', 'closed', '', '4558-revision-v1', '', '', '2023-11-03 14:26:41', '2023-11-03 11:26:41', '', 4558, 'http://pamtest.ru/?p=4584', 0, 'revision', '', 0), (4585, 1, '2023-11-03 14:37:41', '2023-11-03 11:37:41', '', 'Blog', '', 'inherit', 'closed', 'closed', '', '4558-revision-v1', '', '', '2023-11-03 14:37:41', '2023-11-03 11:37:41', '', 4558, 'http://pamtest.ru/?p=4585', 0, 'revision', '', 0), (4586, 1, '2023-11-03 14:37:50', '2023-11-03 11:37:50', '', 'Blog', '', 'inherit', 'closed', 'closed', '', '4558-revision-v1', '', '', '2023-11-03 14:37:50', '2023-11-03 11:37:50', '', 4558, 'http://pamtest.ru/?p=4586', 0, 'revision', '', 0), (4588, 1, '2023-11-08 13:34:08', '2023-11-08 10:34:08', '\n

    Рынок недвижимости подвержен постоянным изменениям, которые риелтору стоит контролировать. Как нельзя лучше для этих целей подходит система быстрого обмена сообщениями. Telegram стал для многих не просто мессенджером, а настоящим медиа-пространством, источником последних новостей в различных сферах.

    \n\n\n\n

    Риелтор также может использовать эти возможности, подписавшись на телеграм-каналы для недвижимости. Они позволят ему быть в курсе тенденций рынка, следить за новостями, делиться опытом с коллегами. Сервис партнерских продаж Pampadu открыт к взаимодействию со специалистами рынка недвижимости. Мы выяснили, какие ресурсы будут интересны для риелторов и ипотечных брокеров, подготовив собственную подборку.

    \n\n\n\n

    Топ-12 телеграм-каналов для риелторов

    \n\n\n\n

    1. Железобетонный замес

    \n\n\n\n
    \nhttps://t.me/Jelezobetonniyzames\n
    \n\n\n\n

    52,3К подписчиков

    \n\n\n\n

    Познавательный ресурс о мире недвижимости. Мнения экспертов, новости от застройщиков, изменения законодательства – контент этого канала впечатляет. Неудивительно, что он лидирует по количеству подписчиков в подборке.

    \n\n\n\n

    2. Квадратный Мэтр

    \n\n\n\n
    \nhttps://t.me/kvadratnymaster\n
    \n\n\n\n

    44,9К подписчиков

    \n\n\n\n

    Девиз его авторов: «На метр впереди новостей». Подписавшись на канал, вы будете в курсе новых законопроектов, проблем на стройплощадках, развития территорий, состояния рынка недвижимости. Авторы издания анализируют текущие события в строительной отрасли и делятся с подписчиками актуальной информацией.

    \n\n\n\n

    3. Недвижа 

    \n\n\n\n
    \nhttps://t.me/nedvizha\n
    \n\n\n\n

    44,7К подписчиков

    \n\n\n\n

    Этот ресурс сфокусирован в основном на рынке Москвы и Московской области. Но иногда в нем размещаются посты об общероссийском и зарубежном рынках. Также здесь представлены новости от девелоперов, информация о проблемных объектах, аналитика рынка жилой и коммерческой собственности.

    \n\n\n\n

    4. Белая Каска

    \n\n\n\n
    \nhttps://t.me/belaya_kaska\n
    \n\n\n\n

    44,6К подписчиков

    \n\n\n\n

    Авторы представляют ресурс как отраслевое СМИ. Здесь публикуются анонсы реформ, новости регионов, мнения экспертов, другая полезная информация из сферы недвижимости.

    \n\n\n\n

    5. Циан для профи

    \n\n\n\n
    \nhttps://t.me/cian_realtor\n
    \n\n\n\n

    40,2К подписчиков

    \n\n\n\n

    Официальный телеграмм-канал «Циан» для риелторов и партнеров площадки. Ресурс поддерживается самым крупным профессиональным сообществом по недвижимости в России.

    \n\n\n\n

    6. Авито Недвижимость

    \n\n\n\n
    \nhttps://t.me/avito_re_pro\n
    \n\n\n\n

    36К подписчиков

    \n\n\n\n

    Тематический ресурс от площадки «Авито» создан для профессионалов рынка собственности. Здесь представлены новые функции, специальные предложения, анонсы мероприятий для экспертов отрасли.

    \n\n\n\n

    7. Домклик

    \n\n\n\n
    \nhttps://t.me/domclick\n
    \n\n\n\n

    34,4К подписчиков

    \n\n\n\n

    Официальный телеграмм-канал сайта Domclick.ru. Портал размещает здесь самую важную информацию про недвижимость и ипотеку в компактном формате. Для удобства пользователей еженедельно публикуется топ главных новостей, а также подборка полезных статей.

    \n\n\n\n

    8. Ипотека и недвижимость

    \n\n\n\n
    \nhttps://t.me/ipotekahouse\n
    \n\n\n\n

    31,1К подписчиков

    \n\n\n\n

    Профессиональный блог об ипотеке существует с 2017 года. На канале публикуются тематические новости с авторскими комментариями, разбираются анонсы законодательных изменений. Здесь вы также найдете информацию об изменениях условий ипотечных программ, полезные лонгриды, познавательные материалы по теме кредитов на покупку недвижимого имущества.

    \n\n\n\n

    9. РИА Недвижимость

    \n\n\n\n
    \nhttps://t.me/ria_realty\n
    \n\n\n\n

    26,4К подписчиков

    \n\n\n\n

    Этот канал поддерживается редакцией сайта «РИА Недвижимость». Если вы хотите быть в курсе последних новостей рынка, то стоит на него подписаться. Вы узнаете об изменениях в законодательстве, ознакомитесь с качественной аналитикой на тему льгот, ипотеки.

    \n\n\n\n

    10. Кровь и бетон

    \n\n\n\n
    \nhttps://t.me/blood_concrete\n
    \n\n\n\n

    23,3К подписчиков

    \n\n\n\n

    Этот канал – совместный проект 10 экспертов строительной индустрии и рынка недвижимого имущества. Здесь можно найти много полезной информации, которую стоит знать при покупке или аренде собственности. Авторы отвечают на вопросы подписчиков и показывают всю изнанку строительной отрасли.

    \n\n\n\n

    10. Монолит
    https://t.me/monolitniy 

    \n\n\n\n

    23,1К подписчиков

    \n\n\n\n

    Авторский ресурс от экспертов рынка недвижимого имущества. Здесь вас ждут инсайды, опытный взгляд изнутри отрасли. Также тут представлены актуальные предложения от застройщиков, новости о коммерческой собственности и многое другое.

    \n\n\n\n

    11. Filatoff Inc. 

    \n\n\n\n
    \nhttps://t.me/filatofff\n
    \n\n\n\n

    Авторский канал ведущего специалиста газеты «Ведомости» Антона Филатова. Автор работает в индустрии более 18 лет. Он размещает на канале инсайды, новости о судебных разбирательствах, резонансных проектах, банкротстве застройщиков и аналитике.

    \n\n\n\n

    12. РБК Недвижимость

    \n\n\n\n
    \nhttps://t.me/realty_rbc\n
    \n\n\n\n

    10,4К подписчиков

    \n\n\n\n

    Замыкает топ ресурс, принадлежащий редакции сайта «РБК Недвижимость». Здесь публикуются главные новости о ситуации на рынке в РФ, мнения аналитиков и полезные обзоры для инвесторов, владельцев и покупателей собственности.

    \n\n\n\n

    Зачем риелторам читать телеграм-каналы о недвижимости?

    \n\n\n\n

    Подписавшись на полезные каналы в Telegram, вы сможете получать интересную для вас информацию в удобном формате.

    \n\n\n\n

    Информационное обновление

    \n\n\n\n

    На каналах представлены новости, актуальные тенденции рынка недвижимости, изменения в законодательстве – запланированные или вступившие в силу. Эта информация будет полезной в работе риелтора и планировании инвестиций.

    \n\n\n\n

    Повышение профессионального уровня

    \n\n\n\n

    Чтение телеграм-каналов для риелтора – это не досуг, а полезная привычка. Так вы сможете постоянно повышать свои знания, узнавать о новых способах продвижения услуг, стратегиях продаж и полезных инструментах для работы с клиентами.

    \n\n\n\n

    Расширение возможностей

    \n\n\n\n

    В телеграм-каналах о недвижимости нередко публикуют мнения экспертов и аналитику рынка от профессионалов в данной области. Некоторым из них даже можно задавать вопросы. Это дополнительная возможность для обмена опытом и заведения новых связей.

    \n\n\n\n

    Чтение телеграмм-каналов на тему строительства и недвижимости позволит риелторам быть в курсе событий, профессионально развиваться и находить новые перспективы для работы.

    \n\n\n\n

    Как риелтору увеличить размер своего дохода?

    \n\n\n\n

    Вы можете получать вознаграждение, пользуясь услугами платформы Pampadu. Присоединившись к нашей партнерской программе, вы сможете в несколько раз увеличить свой доход в сфере недвижимости. Например, вы можете стать посредником в страховании ипотечной собственности и получать комиссию за каждый оформленный полис.

    \n\n\n\n

    Регистрация на платформе Pampadu занимает менее пяти минут. После этого вы получите мгновенный доступ ко всем предложениям партнерской программы. Даже новички, не имеющие опыта продаж, могут легко начать зарабатывать под руководством персонального наставника!

    \n', 'Лучшие Telegram-каналы недвижимости для риэлторов', 'Рассказываем о том, на какие телеграм-каналы для недвижимости стоит подписаться риелтору. К примеру, там можно найти обзоры новых объектов и аналитические материалы. Представленные в подборке ресурсы будут полезны для агентов по недвижимости любого уровня – от новичков до экспертов.', 'inherit', 'closed', 'closed', '', '3662-revision-v1', '', '', '2023-11-08 13:34:08', '2023-11-08 10:34:08', '', 3662, 'http://pamtest.ru/?p=4588', 0, 'revision', '', 0), (4590, 1, '2023-11-15 16:47:32', '2023-11-15 13:47:32', '', 'Blog', '', 'inherit', 'closed', 'closed', '', '4558-revision-v1', '', '', '2023-11-15 16:47:32', '2023-11-15 13:47:32', '', 4558, 'http://pamtest.ru/?p=4590', 0, 'revision', '', 0), (4599, 1, '2023-12-13 14:53:45', '2023-12-13 11:53:45', '', '1030h502-17', '', 'inherit', 'open', 'closed', '', '1030h502-17-3', '', '', '2023-12-13 14:53:45', '2023-12-13 11:53:45', '', 0, 'http://pamtest.ru/wp-content/uploads/2023/12/1030h502-17.jpg', 0, 'attachment', 'image/jpeg', 0), (4600, 1, '2023-12-13 15:16:45', '2023-12-13 12:16:45', '', '1030h502-5.png', '', 'inherit', 'open', 'closed', '', '1030h502-5-png', '', '', '2023-12-13 15:16:45', '2023-12-13 12:16:45', '', 3636, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-5.png-1.webp', 0, 'attachment', 'image/webp', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (4601, 1, '2023-12-13 15:16:51', '2023-12-13 12:16:51', '\n

    Друзья, мы получили от вас хорошую обратную связь после публикации новости о запуске пилота по продажам карт Тинькофф в офлайн.
    Некоторые из вас проявили интерес и были подключены к пилоту, получили пластик и уже сделали свои первые продажи.

    \n\n\n\n

    Количество подобных запросов растет, поэтому мы решили организовать централизованный сбор заявок на подключение к пилоту!

    \n\n\n\n

    ?Напомним о том, как это работает:

    \n\n\n\n

    — вы получаете пластик ДК и КК Тинькофф на руки;
    — оформляете заявку на карту в ЛК банка;
    — выдаете карту клиенту на месте без визита в банк.

    \n\n\n\n

    ПРЕИМУЩЕСТВА:
    — вы контролируете весь процесс, от заведения заявки до выдачи/активации, а значит контролируете воронку продаж.
    Клиенту не нужно ждать курьера с картой и подстраивать свои планы.
    — вы имеете прямой контакт с представителем банка и можете решать оперативно все вопросы;
    — отсутствие потерянных конверсий и дублей.

    \n\n\n\n

    Если у вас есть офис, стойка в ТЦ, постоянный поток клиентов в оффлайне, подайте заявку на пилот по ссылке➡️ здесь , чтобы увеличить свой доход.

    \n\n\n\n

    Отличных продаж,
    команда Пампаду

    \n', '? 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'revision', '', 0), (4629, 1, '2024-02-06 14:51:15', '2024-02-06 11:51:15', '', 'Slider slick', '', 'publish', 'closed', 'closed', '', 'slider-slick', '', '', '2024-02-06 14:51:51', '2024-02-06 11:51:51', '', 0, 'http://pamtest.ru/?page_id=4629', 0, 'page', '', 0), (4630, 1, '2024-02-06 14:51:15', '2024-02-06 11:51:15', '', 'Slider slick', '', 'inherit', 'closed', 'closed', '', '4629-revision-v1', '', '', '2024-02-06 14:51:15', '2024-02-06 11:51:15', '', 4629, 'http://pamtest.ru/?p=4630', 0, 'revision', '', 0), (4631, 1, '2024-02-06 14:51:51', '2024-02-06 11:51:51', '', 'Slider slick', '', 'inherit', 'closed', 'closed', '', '4629-revision-v1', '', '', '2024-02-06 14:51:51', '2024-02-06 11:51:51', '', 4629, 'http://pamtest.ru/?p=4631', 0, 'revision', '', 0), (4633, 1, '2024-02-06 18:38:38', '2024-02-06 15:38:38', '\n

    Рынок недвижимости подвержен постоянным изменениям, которые риелтору стоит контролировать. Как нельзя лучше для этих целей подходит система быстрого обмена сообщениями. Telegram стал для многих не просто мессенджером, а настоящим медиа-пространством, источником последних новостей в различных сферах.

    \n\n\n\n

    Риелтор также может использовать эти возможности, подписавшись на телеграм-каналы для недвижимости. Они позволят ему быть в курсе тенденций рынка, следить за новостями, делиться опытом с коллегами. Сервис партнерских продаж Pampadu открыт к взаимодействию со специалистами рынка недвижимости. Мы выяснили, какие ресурсы будут интересны для риелторов и ипотечных брокеров, подготовив собственную подборку.

    \n\n\n\n

    Топ-12 телеграм-каналов для риелторов

    \n\n\n\n

    1. Железобетонный замес

    \n\n\n\n
    \nhttps://t.me/Jelezobetonniyzames\n
    \n\n\n\n

    52,3К подписчиков

    \n\n\n\n

    Познавательный ресурс о мире недвижимости. Мнения экспертов, новости от застройщиков, изменения законодательства – контент этого канала впечатляет. Неудивительно, что он лидирует по количеству подписчиков в подборке.

    \n\n\n\n

    2. Квадратный Мэтр

    \n\n\n\n
    \nhttps://t.me/kvadratnymaster\n
    \n\n\n\n

    44,9К подписчиков

    \n\n\n\n

    26,4К подписчиков

    \n\n\n\n

    Этот канал поддерживается редакцией сайта «РИА Недвижимость». Если вы хотите быть в курсе последних новостей рынка, то стоит на него подписаться. Вы узнаете об изменениях в законодательстве, ознакомитесь с качественной аналитикой на тему льгот, ипотеки.

    \n\n\n\n

    10. Кровь и бетон

    \n\n\n\n
    \nhttps://t.me/blood_concrete\n
    \n\n\n\n

    23,3К подписчиков

    \n\n\n\n

    Этот канал – совместный проект 10 экспертов строительной индустрии и рынка недвижимого имущества. Здесь можно найти много полезной информации, которую стоит знать при покупке или аренде собственности. Авторы отвечают на вопросы подписчиков и показывают всю изнанку строительной отрасли.

    \n\n\n\n

    10. Монолит
    https://t.me/monolitniy 

    \n\n\n\n

    23,1К подписчиков

    \n\n\n\n

    Авторский ресурс от экспертов рынка недвижимого имущества. Здесь вас ждут инсайды, опытный взгляд изнутри отрасли. Также тут представлены актуальные предложения от застройщиков, новости о коммерческой собственности и многое другое.

    \n\n\n\n

    1

    \n\n\n\n

    Как риелтору увеличить размер своего дохода?

    \n\n\n\n

    Вы можете получать вознаграждение, пользуясь услугами платформы Pampadu. Присоединившись к нашей партнерской программе, вы сможете в несколько раз увеличить свой доход в сфере недвижимости. Например, вы можете стать посредником в страховании ипотечной собственности и получать комиссию за каждый оформленный полис.

    \n\n\n\n

    Регистрация на платформе Pampadu занимает менее пяти минут. После этого вы получите мгновенный доступ ко всем предложениям партнерской программы. Даже новички, не имеющие опыта продаж, могут легко начать зарабатывать под руководством персонального наставника!

    \n', 'Лучшие Telegram-каналы недвижимости для риэлторов', 'Рассказываем о том, на какие телеграм-каналы для недвижимости стоит подписаться риелтору. К примеру, там можно найти обзоры новых объектов и аналитические материалы. Представленные в подборке ресурсы будут полезны для агентов по недвижимости любого уровня – от новичков до экспертов.', 'inherit', 'closed', 'closed', '', '3662-revision-v1', '', '', '2024-02-06 18:38:38', '2024-02-06 15:38:38', '', 3662, 'http://pamtest.ru/?p=4633', 0, 'revision', '', 0), (4634, 1, '2024-02-06 18:38:51', '2024-02-06 15:38:51', '\n

    Рынок недвижимости подвержен постоянным изменениям, которые риелтору стоит контролировать. Как нельзя лучше для этих целей подходит система быстрого обмена сообщениями. Telegram стал для многих не просто мессенджером, а настоящим медиа-пространством, источником последних новостей в различных сферах.

    \n\n\n\n

    Риелтор также может использовать эти возможности, подписавшись на телеграм-каналы для недвижимости. Они позволят ему быть в курсе тенденций рынка, следить за новостями, делиться опытом с коллегами. Сервис партнерских продаж Pampadu открыт к взаимодействию со специалистами рынка недвижимости. Мы выяснили, какие ресурсы будут интересны для риелторов и ипотечных брокеров, подготовив собственную подборку.

    \n\n\n\n

    Топ-12 телеграм-каналов для риелторов

    \n\n\n\n

    1. Железобетонный замес

    \n\n\n\n
    \nhttps://t.me/Jelezobetonniyzames\n
    \n\n\n\n

    52,3К подписчиков

    \n\n\n\n

    Познавательный ресурс о мире недвижимости. Мнения экспертов, новости от застройщиков, изменения законодательства – контент этого канала впечатляет. Неудивительно, что он лидирует по количеству подписчиков в подборке.

    \n\n\n\n

    2. Квадратный Мэтр

    \n\n\n\n
    \nhttps://t.me/kvadratnymaster\n
    \n\n\n\n

    44,9К подписчиков

    \n\n\n\n

    Девиз его авторов: «На метр впереди новостей». Подписавшись на канал, вы будете в курсе новых законопроектов, проблем на стройплощадках, развития территорий, состояния рынка недвижимости. Авторы издания анализируют текущие события в строительной отрасли и делятся с подписчиками актуальной информацией.

    \n\n\n\n

    3. Недвижа 

    \n\n\n\n
    \nhttps://t.me/nedvizha\n
    \n\n\n\n

    44,7К подписчиков

    \n\n\n\n

    Этот ресурс сфокусирован в основном на рынке Москвы и Московской области. Но иногда в нем размещаются посты об общероссийском и зарубежном рынках. Также здесь представлены новости от девелоперов, информация о проблемных объектах, аналитика рынка жилой и коммерческой собственности.

    \n\n\n\n

    ий, профессионально развиваться и находить новые перспективы для работы.

    \n\n\n\n

    Как риелтору увеличить размер своего дохода?

    \n\n\n\n

    Вы можете получать вознаграждение, пользуясь услугами платформы Pampadu. Присоединившись к нашей партнерской программе, вы сможете в несколько раз увеличить свой доход в сфере недвижимости. Например, вы можете стать посредником в страховании ипотечной собственности и получать комиссию за каждый оформленный полис.

    \n\n\n\n

    Регистрация на платформе Pampadu занимает менее пяти минут. После этого вы получите мгновенный доступ ко всем предложениям партнерской программы. Даже новички, не имеющие опыта продаж, могут легко начать зарабатывать под руководством персонального наставника!

    \n', 'Лучшие Telegram-каналы недвижимости для риэлторов', 'Рассказываем о том, на какие телеграм-каналы для недвижимости стоит подписаться риелтору. К примеру, там можно найти обзоры новых объектов и аналитические материалы. Представленные в подборке ресурсы будут полезны для агентов по недвижимости любого уровня – от новичков до экспертов.', 'inherit', 'closed', 'closed', '', '3662-revision-v1', '', '', '2024-02-06 18:38:51', '2024-02-06 15:38:51', '', 3662, 'http://pamtest.ru/?p=4634', 0, 'revision', '', 0), (4635, 1, '2024-02-06 18:40:25', '2024-02-06 15:40:25', '\n

    Чаще всего заголовок состоит из 5-12 слов. Человек, в среднем, читает 185 слов в минуту. То есть, чтобы оценить заголовок и понять, стоит ли вникать в статью, пользователю достаточно несколько секунд. 

    \n\n\n\n

    Специалисты онлайн платформы для заработка № 1 Pampadu расскажут, что такое кликабельный заголовок и как его сделать. Это поможет вам привлечь новых клиентов и заработать на партнерских программах.

    \n\n\n\n

    Зачем нужен заголовок

    \n\n\n\n

    Заголовок — это название видеозаписи, текста или поста, в идеале — привлекающее внимание посетителя и вкратце рассказывающее, о чем будет материал. Многих пользователей интересует, что это такое «кликабельные заголовки». Так вот, это такие, на которые можно нажать, чтобы перейти по ссылке.

    \n\n\n\n

    Хороший заголовок позволяет привлечь внимание и заработать на рекламе. Если он будет лаконичным, интересным и цепляющим, то замотивирует посетителя прочесть текст или просмотреть видео.

    \n\n\n\n

    Сделать рабочий заголовок сложно. Он должен быть таким, чтобы пользователь заинтересовался и прочитал статью, а не пролистал ее в ленте. Цепляющий заголовок дает хороший показатель CTR то есть, отношение числа кликов объявления к его показам.

    \n\n\n\n

    На роль названия статьи влияет источник трафика. Так, в естественной рекламе заголовок часто занимает до 50% от рекламного объявления, что делает его заметным для пользователей. В соцсетях на заголовки обычно приходится не более 20% от рекламного креатива. 

    \n\n\n\n

    Важность заголовка также зависит от вертикали оффера. Например, гемблинг и беттинг предложения чаще всего продвигают через видео-креативы, поэтому таким материалам названия нужны меньше.

    \n\n\n\n

    Как составить заголовок, по которому хочется кликнуть

    \n\n\n\n

    Универсальной формулы заголовка нет, ведь, создавая его, нужно учитывать интересы целевой аудитории (ЦА), где он будет размещен (в соцсети, поисковике, рекламном объявлении), какую цель преследует. Есть только рекомендации. Итак, заголовок должен:

    \n\n\n\n
      \n
    1. Быть лаконичным, ведь длинный сложно воспринимать.
      2. \n\n\n\n
    2. Соответствовать содержанию основного материала.
      3. \n\n\n\n
    3. Выделять из статьи важное.
      4. \n\n\n\n
    4. Помогать отличить материал от аналогичных.
      5. \n\n\n\n
    5. Отражать, что будет в тексте, но не «раскрывать все карты».
      6. \n
    \n\n\n\n

    Хороший заголовок должен интриговать, чтобы пользователю хотелось прочесть статью.

    \n\n\n\n

    Приведем самые кликабельные заголовки (примеры).

    \n\n\n\n

    Если написано «Число жертв крушения самолета увеличилось до 15», то итак все понятно: читать дальше бессмысленно. А вот когда сказано: «Число жертв крушения увеличилось», то пользователю станет интересно, до скольки именно, и он, возможно, прочитает текст.

    \n\n\n\n

    Другой пример: «15 простых дел, которые ничего не стоят человеку, но для животных значат много». Здесь не указывается, каких именно дел, но заголовок соответствует содержанию статьи, характеризуя количество поступков.

    \n\n\n\n

    Ниже расскажем о том, как сделать кликабельный заголовок.

    \n\n\n\n

    \n\n\n\n

    Грань между кликбейтом и кликабельным заголовком

    \n\n\n\n

    Кликбейт просто обманывает посетителя, привлекая внимание громкими фразами. Например, если написано «Вы заработает 1 млн. долларов с нуля за 2 дня», то такой заголовок врет.

    \n\n\n\n

    Кликабельный заголовок привлекает внимание читателя, но не содержит в себе обмана или сильного преувеличения. Однако тут важна тонкая грань, например, «3 секрета продающего текста, о которых вы не знали» — будет кликбейтом, если автор не поделится фишками, которых нет ни в одной книге по копирайтингу.

    \n\n\n\n

    Кликабельные заголовки для разных площадок

    \n\n\n\n

    Вот рекомендации, которые помогут вам составить кликабельные заголовки для различных площадок:

    \n\n\n\n
      \n
    1. В соцсетях используйте цифры, поучительные фразы, вопросы, интриги. Пример: «Как пережить трудовые будни и не перегореть, если вы не можете взять отпуск».
      2. \n\n\n\n
    2. В мессенджерах действует правило: «Краткость сестра таланта», ведь объем уведомлений ограничен. Попробуйте заинтересовать читателя с первых 2-3 слов.
      3. \n\n\n\n
    3. Яндекс.Дзен — площадка с большой конкуренцией за внимание пользователя, где может быть уместен кликбейт, но с осторожностью.
      4. \n\n\n\n
    4. В блог заходят люди, которым интересно, что пишет автор. Поэтому используйте заголовки, описывающие пользу статей, например, «5 способов заработать с нуля».
      5. \n
    \n\n\n\n

    Лайфхаки 

    \n\n\n\n

    Вот 5 советов, которые помогут составить кликабельный заголовок:

    \n\n\n\n
      \n
    1. Не используйте приемы кликбейта: восклицания, слова «шок», «скандал» и не обращайтесь к читателю на «ты».
      2. \n\n\n\n
    2. Не обманывайте и не преувеличивайте. Указывайте в заголовке только то, о чем пойдет речь в тексте.
      3. \n\n\n\n
    3. Сохраняйте интригу: не выносите в заголовок важное, оставьте это пользователю на прочтение.
      4. \n\n\n\n
    4. Если аналогичный заголовок есть в СМИ, перечитайте новость и попробуйте подать ее иначе.
      5. \n\n\n\n
    5. Не используйте сложные конструкции. Заголовок должен легко читаться и не вызывать недоумение.
      6. \n\n\n\n
    6. Не создавайте длинные заголовки. Одного предложения хватит.
      7. \n
    \n\n\n\n

    О сервисе Пампаду

    \n\n\n\n

    Pampadu — это сервис партнерских продаж для заработка через интернет. Наши преимущества:

    \n\n\n\n\n\n\n\n

    Pampadu подходит и новичкам, и профессионалам. Регистрируйтесь на онлайн платформе и начинайте зарабатывать уже сегодня.

    \n', 'Как сделать кликабельный заголовок арбитражнику', 'Узнайте, что такое кликабельный заголовок и как его создать. Это поможет вам привлечь пользователей и заработать на партнерских программах.', 'inherit', 'closed', 'closed', '', '3653-revision-v1', '', '', '2024-02-06 18:40:25', '2024-02-06 15:40:25', '', 3653, 'http://pamtest.ru/?p=4635', 0, 'revision', '', 0), (4636, 1, '2024-02-06 18:40:32', '2024-02-06 15:40:32', '\n

    Чаще всего заголовок состоит из 5-12 слов. Человек, в среднем, читает 185 слов в минуту. То есть, чтобы оценить заголовок и понять, стоит ли вникать в статью, пользователю достаточно несколько секунд. 

    \n\n\n\n

    Специалисты онлайн платформы для заработка № 1 Pampadu расскажут, что такое кликабельный заголовок и как его сделать. Это поможет вам привлечь новых клиентов и заработать на партнерских программах.

    \n\n\n\n

    Зачем нужен заголовок

    \n\n\n\n

    Заголовок — это название видеозаписи, текста или поста, в идеале — привлекающее внимание посетителя и вкратце рассказывающее, о чем будет материал. Многих пользователей интересует, что это такое «кликабельные заголовки». Так вот, это такие, на которые можно нажать, чтобы перейти по ссылке.

    \n\n\n\n

    Хороший заголовок позволяет привлечь внимание и заработать на рекламе. Если он будет лаконичным, интересным и цепляющим, то замотивирует посетителя прочесть текст или просмотреть видео.

    \n\n\n\n

    Сделать рабочий заголовок сложно. Он должен быть таким, чтобы пользователь заинтересовался и прочитал статью, а не пролистал ее в ленте. Цепляющий заголовок дает хороший показатель CTR то есть, отношение числа кликов объявления к его показам.

    \n\n\n\n

    На роль названия статьи влияет источник трафика. Так, в естественной рекламе заголовок часто занимает до 50% от рекламного объявления, что делает его заметным для пользователей. В соцсетях на заголовки обычно приходится не более 20% от рекламного креатива. 

    \n\n\n\n

    Важность заголовка также зависит от вертикали оффера. Например, гемблинг и беттинг предложения чаще всего продвигают через видео-креативы, поэтому таким материалам названия нужны меньше.

    \n\n\n\n

    Как составить заголовок, по которому хочется кликнуть

    \n\n\n\n

    Универсальной формулы заголовка нет, ведь, создавая его, нужно учитывать интересы целевой аудитории (ЦА), где он будет размещен (в соцсети, поисковике, рекламном объявлении), какую цель преследует. Есть только рекомендации. Итак, заголовок должен:

    \n\n\n\n
      \n
    1. Быть лаконичным, ведь длинный сложно воспринимать.
      2. \n\n\n\n
    2. Соответствовать содержанию основного материала.
      3. \n\n\n\n
    3. Выделять из статьи важное.
      4. \n\n\n\n
    4. Помогать отличить материал от аналогичных.
      5. \n\n\n\n
    5. Отражать, что будет в тексте, но не «раскрывать все карты».
      6. \n
    \n\n\n\n

    Хороший заголовок должен интриговать, чтобы пользователю хотелось прочесть статью.

    \n\n\n\n

    Приведем самые кликабельные заголовки (примеры).

    \n\n\n\n

    Если написано «Число жертв крушения самолета увеличилось до 15», то итак все понятно: читать дальше бессмысленно. А вот когда сказано: «Число жертв крушения увеличилось», то пользователю станет интересно, до скольки именно, и он, возможно, прочитает текст.

    \n\n\n\n

    Другой пример: «15 простых дел, которые ничего не стоят человеку, но для животных значат много». Здесь не указывается, каких именно дел, но заголовок соответствует содержанию статьи, характеризуя количество поступков.

    \n\n\n\n

    Ниже расскажем о том, как сделать кликабельный заголовок.

    \n\n\n\n

    \n\n\n\n

    Грань между кликбейтом и кликабельным заголовком

    \n\n\n\n

    Кликбейт просто обманывает посетителя, привлекая внимание громкими фразами. Например, если написано «Вы заработает 1 млн. долларов с нуля за 2 дня», то такой заголовок врет.

    \n\n\n\n

    Кликабельный заголовок привлекает внимание читателя, но не содержит в себе обмана или сильного преувеличения. Однако тут важна тонкая грань, например, «3 секрета продающего текста, о которых вы не знали» — будет кликбейтом, если автор не поделится фишками, которых нет ни в одной книге по копирайтингу.

    \n\n\n\n

    уйтесь на онлайн платформе и начинайте зарабатывать уже сегодня.

    \n', 'Как сделать кликабельный заголовок арбитражнику', 'Узнайте, что такое кликабельный заголовок и как его создать. Это поможет вам привлечь пользователей и заработать на партнерских программах.', 'inherit', 'closed', 'closed', '', '3653-revision-v1', '', '', '2024-02-06 18:40:32', '2024-02-06 15:40:32', '', 3653, 'http://pamtest.ru/?p=4636', 0, 'revision', '', 0), (4638, 1, '2024-02-07 15:34:20', '2024-02-07 12:34:20', '', 'like', '', 'inherit', 'open', 'closed', '', 'like', '', '', '2024-02-07 15:34:20', '2024-02-07 12:34:20', '', 0, 'http://pamtest.ru/wp-content/uploads/2024/02/like.svg', 0, 'attachment', 'image/svg+xml', 0), (4639, 1, '2024-02-07 15:35:18', '2024-02-07 12:35:18', '', 'dislike', '', 'inherit', 'open', 'closed', '', 'dislike', '', '', '2024-02-07 15:35:18', '2024-02-07 12:35:18', '', 0, 'http://pamtest.ru/wp-content/uploads/2024/02/dislike.svg', 0, 'attachment', 'image/svg+xml', 0), (4640, 1, '2024-02-09 00:32:40', '2024-02-08 21:32:40', '', 'Like_new', '', 'inherit', 'open', 'closed', '', 'like_new', '', '', '2024-02-09 00:32:40', '2024-02-08 21:32:40', '', 0, 'http://pamtest.ru/wp-content/uploads/2024/02/Like_new.svg', 0, 'attachment', 'image/svg+xml', 0), (4641, 1, '2024-02-09 00:32:48', '2024-02-08 21:32:48', '', 'Dislike_new', '', 'inherit', 'open', 'closed', '', 'dislike_new', '', '', '2024-02-09 00:32:48', '2024-02-08 21:32:48', '', 0, 'http://pamtest.ru/wp-content/uploads/2024/02/Dislike_new.svg', 0, 'attachment', 'image/svg+xml', 0), (4642, 1, '2024-02-14 14:08:10', '2024-02-14 11:08:10', '\n

    Некоторым нашим пользователям выпала возможность поучаствовать в пилоте и продавать продукты банка в офлайне.
    В рамках нашего сотрудничества с банком Тинькофф, пользователям были доставлены дебетовые и кредитные карты банка, которые они теперь смогу выдавать самостоятельно у себя в офисах, на торговых точках и т.д.

    \n\n\n\n

    По результатам пилота ожидаем улучшения воронки по продуктам банка.

    \n\n\n\n

    Ставьте реакции , если вы хотели бы также начать продавать карты банков в офлайне

    \n', '? Запустили пилотный проект с банком Тинькофф', 'Пилотный проект с банком Тинькофф запущен', 'inherit', 'closed', 'closed', '', '3592-revision-v1', '', '', '2024-02-14 14:08:10', '2024-02-14 11:08:10', '', 3592, 'http://pamtest.ru/?p=4642', 0, 'revision', '', 0), (4643, 1, '2024-02-14 14:08:18', '2024-02-14 11:08:18', '\n

    ?Для корректной работы приложения необходимо установить обновление.
    Новая версия доступна в Google Play по поиску Пампаду или по ссылке здесь

    \n\n\n\n

    Также для скачивания доступен ➡️ файл АПК

    В App Store обновление находится на рассмотрении, мы дополнительно сообщим, когда оно станет доступно.

    \n\n\n\n

    Продолжайте зарабатывать на Пампаду со смартфона!

    \n', '? Обновите приложение Пампаду на Android', 'В App Store обновление находится на рассмотрении, мы дополнительно сообщим, когда оно станет доступно', 'inherit', 'closed', 'closed', '', '3589-revision-v1', '', '', '2024-02-14 14:08:18', '2024-02-14 11:08:18', '', 3589, 'http://pamtest.ru/?p=4643', 0, 'revision', '', 0), (4644, 1, '2024-02-14 14:08:32', '2024-02-14 11:08:32', '\n

    Коллеги! Знаем, что вам этого сильно не хватало и вы были услышаны.

    \n\n\n\n

    Мы рады сообщить о важном обновлении в финансовой и HR вертикали, которое позволит вам более эффективно работать на платформе.

    \n\n\n\n

    Сегодня мы добавили возможность создавать индивидуальные ссылки для ваших клиентов, а это значит, что теперь, вы сможете отслеживать статику по заявкам в разрезе своих клиентов, коммуницировать с ними и увеличивать свои продажи!

    \n\n\n\n

    Как пользоваться новым инструментом рассказали в статье по ссылке ? здесь

    \n\n\n\n

    ? Также спешим напомнить, что по офферу Кредитная карта 180 дней без % от Газпромбанка до конца августа действует акция - 180 дней на всегда и без условий.
    Зарабатывайте 7600 р. за каждую выданную кредитную карту!

    \n\n\n\n

    Желаем успешных продаж!

    \n', 'Добавлена новая супер сила', 'Важное обновление в финансовой и HR вертикали, которое позволит вам более эффективно работать на платформе', 'inherit', 'closed', 'closed', '', '3585-revision-v1', '', '', '2024-02-14 14:08:32', '2024-02-14 11:08:32', '', 3585, 'http://pamtest.ru/?p=4644', 0, 'revision', '', 0), (4648, 1, '2024-02-26 20:53:09', '2024-02-26 17:53:09', '\n

    КБМ — ключевой параметр для расчета стоимости ОСАГО. Расшифровывается как коэффициент бонус-малус. Показатель введен в 2003 году как стимул для аккуратной езды, за что подразумевались скидки при оформлении полиса. Первое время система работала плохо, а страховщики несли убытки, что изменилось только после 2015-2021 гг. Рассказываем, как параметр влияет на ОСАГО, как проверить КБМ и что делать если страховая неправильно посчитала коэффициенты.

    \n\n\n\n

    Партнерский сервис Пампаду предлагает работу в сферах страхования, подбора персонала и финансовых услуг. Мы даем предложения от партнеров — вы зарабатываете комиссионные, вплоть до 35% с каждого проданного товара или услуги. Работа проходит в удаленном формате, без посещения офисов или заполнения документов. Регистрируйтесь и пробуйте уже сейчас.

    \n\n\n\n

    От чего зависит КБМ

    \n\n\n\n

    Коэффициент связан только с одной переменной — аварийностью. Это субъективный критерий, который учитывается в авариях, произошедших по вине водителя. Если суд признает вас пострадавшим, коэффициент останется без изменений. Как это работает:

    \n\n\n\n\n\n\n\n

    Следить за изменениями коэффициента КБМ в ОСАГО поможет таблица. Последний раз коридор был скорректирован в апреле 2021 года, выросла как скидка за аккуратность, так и штрафы за аварии. 

    \n\n\n\n
    Скидка / НаценкаКласс КБМ КБМЧисло ДТП
    01234
    292%М3,920ММММ
    194%02,941ММММ
    125%12,252ММММ
    76%21,7631МММ
    17%31,1741МММ
    0%41521ММ
    9%50,91631ММ
    17%60,83742ММ
    22%70,78842ММ
    26%80,74952ММ
    32%90,6810521М
    37%100,6311631М
    43%110,5712631М
    48%120,5213631М
    54%130,4613731М
    \n\n\n\n

    *где «М» это максимальный коэффициент, равный 3,92.

    \n\n\n\n

    Проверить свой КБМ для ОСАГО можно на сайте РСА (Российский Союз Автостраховщиков) или в личном кабинете нашего сайта. Удобнее воспользоваться Пампаду, поскольку при обнаружении несоответствия коэффициента с предполагаемым, можно сразу же оформить заявку на его восстановление.

    \n\n\n\n

    Нюансы определения КБМ

    \n\n\n\n

    Кроме таблицы, КБМ водителя ОСАГО может меняться под влиянием других страховки или по вине технических обстоятельств. Например:

    \n\n\n\n\n\n\n\n

    Если в полисе записано больше 1 водителя, в случае аварии расчет ведется по высшему коэффициенту среди них. 

    \n\n\n\n

    Можно ли пересчитать КБМ

    \n\n\n\n

    Перерасчет КБМ займет 10-30 дней, в зависимости от выбора способа восстановления. Можно обратиться в страховую с заявлением, и, если его игнорируют, отправить заказным письмом. Создать запрос в Центральный Банк, или восстановить через личный кабинет Пампаду. 

    \n\n\n\n

    О сервисе

    \n\n\n\n

    Пампаду работает с услугами по страхованию ипотеки и транспортных средств. Оформление каждого документа приносит комиссионные, в том числе и продление на следующий год. Заработок зависит от количества сделок, в чем поможет база данных личного кабинета — мы собираем все сведения о клиенте, что позволит пролонгировать полис без долгого поиска данных. Если у вас нет опыта работы со страховой тематикой, помощь в первых шагах обеспечит поддержка и подробные гайды. Обращайтесь круглосуточно по любому вопросу.

    \n', 'Что такое КБМ и почему он важен для водителей', '', 'publish', 'open', 'open', '', '%d1%87%d1%82%d0%be-%d1%82%d0%b0%d0%ba%d0%be%d0%b5-%d0%ba%d0%b1%d0%bc-%d0%b8-%d0%bf%d0%be%d1%87%d0%b5%d0%bc%d1%83-%d0%be%d0%bd-%d0%b2%d0%b0%d0%b6%d0%b5%d0%bd-%d0%b4%d0%bb%d1%8f-%d0%b2%d0%be%d0%b4%d0%b8', '', '', '2024-02-26 20:53:10', '2024-02-26 17:53:10', '', 0, 'http://pamtest.ru/?p=4648', 0, 'post', '', 0); INSERT INTO `wp_posts` (`ID`, `post_author`, `post_date`, `post_date_gmt`, `post_content`, `post_title`, `post_excerpt`, `post_status`, `comment_status`, `ping_status`, `post_password`, `post_name`, `to_ping`, `pinged`, `post_modified`, `post_modified_gmt`, `post_content_filtered`, `post_parent`, `guid`, `menu_order`, `post_type`, `post_mime_type`, `comment_count`) VALUES (4649, 1, '2024-02-26 20:53:09', '2024-02-26 17:53:09', '\n

    КБМ — ключевой параметр для расчета стоимости ОСАГО. Расшифровывается как коэффициент бонус-малус. Показатель введен в 2003 году как стимул для аккуратной езды, за что подразумевались скидки при оформлении полиса. Первое время система работала плохо, а страховщики несли убытки, что изменилось только после 2015-2021 гг. Рассказываем, как параметр влияет на ОСАГО, как проверить КБМ и что делать если страховая неправильно посчитала коэффициенты.

    \n\n\n\n

    Партнерский сервис Пампаду предлагает работу в сферах страхования, подбора персонала и финансовых услуг. Мы даем предложения от партнеров — вы зарабатываете комиссионные, вплоть до 35% с каждого проданного товара или услуги. Работа проходит в удаленном формате, без посещения офисов или заполнения документов. Регистрируйтесь и пробуйте уже сейчас.

    \n\n\n\n

    От чего зависит КБМ

    \n\n\n\n

    Коэффициент связан только с одной переменной — аварийностью. Это субъективный критерий, который учитывается в авариях, произошедших по вине водителя. Если суд признает вас пострадавшим, коэффициент останется без изменений. Как это работает:

    \n\n\n\n\n\n\n\n

    Следить за изменениями коэффициента КБМ в ОСАГО поможет таблица. Последний раз коридор был скорректирован в апреле 2021 года, выросла как скидка за аккуратность, так и штрафы за аварии. 

    \n\n\n\n
    Скидка / НаценкаКласс КБМ КБМЧисло ДТП
    01234
    292%М3,920ММММ
    194%02,941ММММ
    125%12,252ММММ
    76%21,7631МММ
    17%31,1741МММ
    0%41521ММ
    9%50,91631ММ
    17%60,83742ММ
    22%70,78842ММ
    26%80,74952ММ
    32%90,6810521М
    37%100,6311631М
    43%110,5712631М
    48%120,5213631М
    54%130,4613731М
    \n\n\n\n

    *где «М» это максимальный коэффициент, равный 3,92.

    \n\n\n\n

    Проверить свой КБМ для ОСАГО можно на сайте РСА (Российский Союз Автостраховщиков) или в личном кабинете нашего сайта. Удобнее воспользоваться Пампаду, поскольку при обнаружении несоответствия коэффициента с предполагаемым, можно сразу же оформить заявку на его восстановление.

    \n\n\n\n

    Нюансы определения КБМ

    \n\n\n\n

    Кроме таблицы, КБМ водителя ОСАГО может меняться под влиянием других страховки или по вине технических обстоятельств. Например:

    \n\n\n\n\n\n\n\n

    Если в полисе записано больше 1 водителя, в случае аварии расчет ведется по высшему коэффициенту среди них. 

    \n\n\n\n

    Можно ли пересчитать КБМ

    \n\n\n\n

    Перерасчет КБМ займет 10-30 дней, в зависимости от выбора способа восстановления. Можно обратиться в страховую с заявлением, и, если его игнорируют, отправить заказным письмом. Создать запрос в Центральный Банк, или восстановить через личный кабинет Пампаду. 

    \n\n\n\n

    О сервисе

    \n\n\n\n

    Пампаду работает с услугами по страхованию ипотеки и транспортных средств. Оформление каждого документа приносит комиссионные, в том числе и продление на следующий год. Заработок зависит от количества сделок, в чем поможет база данных личного кабинета — мы собираем все сведения о клиенте, что позволит пролонгировать полис без долгого поиска данных. Если у вас нет опыта работы со страховой тематикой, помощь в первых шагах обеспечит поддержка и подробные гайды. Обращайтесь круглосуточно по любому вопросу.

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Структура таблицы `wp_shortpixel_critical_css_template_log` -- CREATE TABLE IF NOT EXISTS `wp_shortpixel_critical_css_template_log` ( `id` mediumint NOT NULL AUTO_INCREMENT, `template` varchar(255) CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci DEFAULT NULL, `post_type` varchar(255) CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci DEFAULT NULL, `object_id` bigint DEFAULT NULL, `type` varchar(10) CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci DEFAULT NULL, `url` text CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci, `data` text CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci, `updated` timestamp NULL DEFAULT CURRENT_TIMESTAMP, PRIMARY KEY (`id`) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_520_ci; -- -------------------------------------------------------- -- -- Структура таблицы `wp_shortpixel_critical_css_web_check_queue` -- CREATE TABLE IF NOT EXISTS `wp_shortpixel_critical_css_web_check_queue` ( `id` mediumint NOT NULL AUTO_INCREMENT, 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`wp_sldr_relation` -- CREATE TABLE IF NOT EXISTS `wp_sldr_relation` ( `id` int NOT NULL AUTO_INCREMENT, `slider_id` int NOT NULL, `attachment_id` int DEFAULT NULL, `category_id` int DEFAULT NULL, PRIMARY KEY (`id`) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb3; -- -------------------------------------------------------- -- -- Структура таблицы `wp_sldr_slide` -- CREATE TABLE IF NOT EXISTS `wp_sldr_slide` ( `slide_id` int NOT NULL AUTO_INCREMENT, `attachment_id` int NOT NULL, `title` varchar(255) NOT NULL, `description` varchar(255) NOT NULL, `url` varchar(255) NOT NULL, `button` varchar(255) NOT NULL, `order` int NOT NULL, PRIMARY KEY (`slide_id`) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb3; -- -------------------------------------------------------- -- -- Структура таблицы `wp_sldr_slider` -- CREATE TABLE IF NOT EXISTS `wp_sldr_slider` ( `slider_id` int NOT NULL AUTO_INCREMENT, `datetime` date NOT NULL, `title` varchar(255) NOT NULL, `settings` blob NOT NULL, PRIMARY KEY (`slider_id`) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb3; -- -------------------------------------------------------- -- -- Структура таблицы `wp_smush_dir_images` -- CREATE TABLE IF NOT EXISTS `wp_smush_dir_images` ( `id` mediumint UNSIGNED NOT NULL AUTO_INCREMENT, `path` text CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci NOT NULL, `path_hash` char(32) CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci DEFAULT NULL, `resize` varchar(55) CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci DEFAULT NULL, `lossy` varchar(55) CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci DEFAULT NULL, `error` varchar(55) CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci DEFAULT NULL, `image_size` int UNSIGNED DEFAULT NULL, `orig_size` int UNSIGNED DEFAULT NULL, `file_time` int UNSIGNED DEFAULT NULL, `last_scan` timestamp NULL DEFAULT '0000-00-00 00:00:00', `meta` text CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci, PRIMARY KEY (`id`), UNIQUE KEY `path_hash` (`path_hash`), KEY `image_size` (`image_size`) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_520_ci; -- -------------------------------------------------------- -- -- Структура таблицы `wp_termmeta` -- CREATE TABLE IF NOT EXISTS `wp_termmeta` ( `meta_id` bigint UNSIGNED NOT NULL AUTO_INCREMENT, `term_id` bigint UNSIGNED NOT NULL DEFAULT '0', `meta_key` varchar(255) CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci DEFAULT NULL, `meta_value` longtext CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci, PRIMARY KEY (`meta_id`), KEY `term_id` (`term_id`), KEY `meta_key` (`meta_key`(191)) ) ENGINE=InnoDB AUTO_INCREMENT=4 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_520_ci; -- -- Дамп данных таблицы `wp_termmeta` -- INSERT INTO `wp_termmeta` (`meta_id`, `term_id`, `meta_key`, `meta_value`) VALUES (1, 16, '_', 'field_659d4024ca293'), (2, 16, 'taxonomy_header', 'Заголовок осаго'), (3, 16, '_taxonomy_header', 'field_659d4024ca293'); -- -------------------------------------------------------- -- -- Структура таблицы `wp_terms` -- CREATE TABLE IF NOT EXISTS `wp_terms` ( `term_id` bigint UNSIGNED NOT NULL AUTO_INCREMENT, `name` varchar(200) CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci NOT NULL DEFAULT '', `slug` varchar(200) CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_520_ci NOT NULL DEFAULT '', `term_group` bigint NOT NULL DEFAULT '0', PRIMARY KEY (`term_id`), KEY `slug` (`slug`(191)), KEY `name` (`name`(191)) ) ENGINE=InnoDB AUTO_INCREMENT=33 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_520_ci; -- -- Дамп данных таблицы `wp_terms` -- INSERT INTO `wp_terms` (`term_id`, `name`, `slug`, `term_group`) VALUES (1, 'Без рубрики', '%d0%b1%d0%b5%d0%b7-%d1%80%d1%83%d0%b1%d1%80%d0%b8%d0%ba%d0%b8', 0), (2, 'Blog Post', 'blog-post', 0), (3, 'uncategorised', 'uncategorised', 0), (5, 'Акции', 'aktsii-te', 0), (6, 'HR', 'hr-offers', 0), (7, 'Агенту', 'agentu', 0), (8, 'брокеру', 'brokeru', 0), (9, 'Вебмастеру', 'webmasteru', 0), (10, 'Ипотека', 'ipoteka', 0), (11, 'КАСКО', 'kasko', 0), (12, 'КВ', 'izmenenie-kv', 0), (13, 'Мини-КАСКО', 'mini-kasko', 0), (14, 'Новости', 'novosti', 0), (15, 'обучение', 'obuchenie', 0), (16, 'ОСАГО', 'osago', 0), (17, 'СРА', 'cpa', 0), (18, 'Footer', 'footer', 0), (19, 'Header', 'header', 0), (20, 'Банки и МФО', '%d0%b1%d0%b0%d0%bd%d0%ba%d0%b8-%d0%b8-%d0%bc%d1%84%d0%be', 0), (21, 'Города', '%d0%b3%d0%be%d1%80%d0%be%d0%b4%d0%b0', 0), (22, 'Доп сведения', '%d0%b4%d0%be%d0%bf-%d1%81%d0%b2%d0%b5%d0%b4%d0%b5%d0%bd%d0%b8%d1%8f', 0), (23, 'Компании', '%d0%ba%d0%be%d0%bc%d0%bf%d0%b0%d0%bd%d0%b8%d0%b8', 0), (24, 'Компании (2)', 'kompanii-2', 0), (25, 'Меню в шапке', '%d0%bc%d0%b5%d0%bd%d1%8e-%d0%b2-%d1%88%d0%b0%d0%bf%d0%ba%d0%b5', 0), (26, 'Мобильное меню', '%d0%bc%d0%be%d0%b1%d0%b8%d0%bb%d1%8c%d0%bd%d0%be%d0%b5-%d0%bc%d0%b5%d0%bd%d1%8e', 0), (27, 'Продукты в подвале', '%d0%bf%d1%80%d0%be%d0%b4%d1%83%d0%ba%d1%82%d1%8b-%d0%b2-%d0%bf%d0%be%d0%b4%d0%b2%d0%b0%d0%bb%d0%b5', 0), (28, 'Страхование', 'strahovanie', 0), (30, 'Рефералка', 'referalka', 0), (31, 'Риелтору', 'rieltoru', 0), (32, 'Арбитражнику', 'arbitr', 0); -- -------------------------------------------------------- -- -- Структура таблицы `wp_term_relationships` -- CREATE TABLE IF NOT EXISTS `wp_term_relationships` ( `object_id` bigint UNSIGNED NOT NULL DEFAULT '0', `term_taxonomy_id` bigint UNSIGNED NOT NULL DEFAULT '0', `term_order` int NOT NULL DEFAULT '0', PRIMARY KEY (`object_id`,`term_taxonomy_id`), KEY `term_taxonomy_id` (`term_taxonomy_id`) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_520_ci; -- -- Дамп данных таблицы `wp_term_relationships` -- INSERT INTO `wp_term_relationships` (`object_id`, `term_taxonomy_id`, `term_order`) VALUES (128, 2, 0), (128, 3, 0), (128, 7, 0), (128, 16, 0), (150, 2, 0), (150, 3, 0), (150, 7, 0), (150, 16, 0), (154, 2, 0), (154, 3, 0), (154, 7, 0), (154, 16, 0), (163, 2, 0), (163, 3, 0), (163, 7, 0), (163, 16, 0), (166, 2, 0), (166, 3, 0), (166, 7, 0), (166, 16, 0), (170, 2, 0), (170, 3, 0), (170, 7, 0), (170, 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Напоминаем про конференцию \"Арена 2021\" совместно с Пузат.ру. Промокод \"pampadu\" на скидку 7%', 'Конференция для Веб-мастеров «Арена 2021»', 'publish', NULL, 0, NULL, NULL, NULL, NULL, NULL, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/08/blog-222.jpg', NULL, '626', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/08/blog-222.jpg', '626', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":323187,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/08/blog-222.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/08/blog-222.jpg\",\"size\":\"full\",\"id\":626,\"alt\":\"Арена 2021\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 11:53:20', '2024-04-18 14:15:40', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2021-08-11 15:28:08', '2021-08-11 15:28:08', 0), (73, 'http://pamtest.ru/631-kak-povysit-prohodimost-v-osago-i-strahovat-drugie-kategorii/', '83:37f16f326f412fa767a895a8b6f5ae0d', 631, 'post', 'post', 1, 0, '%%title%% %%page%%', 'Сейчас проходимость на Пампаду.ру 85%, если брать срез по всем оформляемым полисам через нас. Но совсем скоро, эта цифра будет еще больше. ', 'Как повысить проходимость в ОСАГО и страховать другие категории?', 'publish', NULL, 0, NULL, NULL, NULL, 'проходимость в ОСАГО', 51, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/08/blog-x2.jpg', NULL, '632', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/08/blog-x2.jpg', '632', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":258017,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/08/blog-x2.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/08/blog-x2.jpg\",\"size\":\"full\",\"id\":632,\"alt\":\"Проблемы с проходимостью ОСАГО?\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 11:53:20', '2024-04-18 14:15:40', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2021-08-17 08:36:04', '2021-08-17 08:36:04', 0), (74, 'http://pamtest.ru/637-aktsiya-500-rublej-za-1-j-polis-ipotechnogo-strahovaniya/', '79:e4812e8dd7dedecfc68013bac8cdd54b', 637, 'post', 'post', 1, 0, '%%title%% %%page%%', '+500 рублей за 1-й полис ипотечного страхования для агентов, у которых еще нет ни одного проданного полиса по Ипотеке.', 'Акция +500 рублей за 1-й полис ипотечного страхования', 'publish', NULL, 0, NULL, NULL, NULL, 'полис ипотечного страхования', 51, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/08/bloggg.jpg', NULL, '638', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/08/bloggg.jpg', '638', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":415490,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/08/bloggg.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/08/bloggg.jpg\",\"size\":\"full\",\"id\":638,\"alt\":\"Акция +500 руб. за 1-й полис ипотеки\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 11:53:20', '2024-04-18 14:15:40', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2021-08-20 10:32:57', '2021-08-20 10:32:57', 0), (75, 'http://pamtest.ru/641-kak-zarabatyvat-bolshe-na-osago-i-ipotechnom-strahovanii/', '79:3edff47a95dd025d65cf10b8347d4df7', 641, 'post', 'post', 1, 0, 'Как зарабатывать больше на ОСАГО и Ипотечном страховании агенту?', 'Хотим рассказать вам об опыте других агентов, которые следуя простым правилам увеличили свой доход с продаж полисов ОСАГО и Ипотечного страхования.', 'Как зарабатывать больше на ОСАГО и Ипотечном страховании агенту?', 'publish', NULL, 0, NULL, NULL, NULL, 'зарабатывать больше на ОСАГО и Ипотечном страховании', 63, 30, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/08/dlya-bloga-cx2.jpg', NULL, '648', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/08/dlya-bloga-cx2.jpg', '648', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":302410,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/08/dlya-bloga-cx2.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/08/dlya-bloga-cx2.jpg\",\"size\":\"full\",\"id\":648,\"alt\":\"Как больше зарабатывать с Пампаду?\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 11:53:20', '2024-04-18 14:15:40', 1, NULL, NULL, NULL, NULL, 0, 4, 2, '2021-08-24 13:58:30', '2021-08-24 13:58:30', 0), (76, 'http://pamtest.ru/663-bolshie-novosti-pampadu-28-09-2021/', '57:3a439d4570cca3acd7589477853c6b98', 663, 'post', 'post', 1, 0, '%%title%% %%page%% для страховых агентов', 'Подборка классных новостей, с которыми точно нужно ознакомиться, если вы занимаетесь страхованием, работаете с Пампаду или только планируете.', 'Большие новости Пампаду 28.08.2021', 'publish', NULL, 0, NULL, NULL, NULL, 'новости Пампаду', 67, 30, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/08/Bezimeniaaaaaa444-9.jpg', NULL, '685', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/08/Bezimeniaaaaaa444-9.jpg', '685', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":440354,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/08/Bezimeniaaaaaa444-9.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/08/Bezimeniaaaaaa444-9.jpg\",\"size\":\"full\",\"id\":685,\"alt\":\"Большие новости на Пампаду 28.08.2021\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 11:53:20', '2024-04-18 14:15:40', 1, NULL, NULL, NULL, NULL, 0, 5, 2, '2021-08-28 09:04:30', '2021-08-28 09:04:30', 0), (77, 'http://pamtest.ru/689-podveli-itogi-aktsii-500-rub-za-1-j-polis-ipoteki/', '72:b89725e3bcb6bea328d2b36b8699429c', 689, 'post', 'post', 1, 0, '%%title%% %%page%%', '69 участников акции уже получили денежный приз себе на счёт в личном кабинете. Благодарим всех, кто принял, ждите анонса новых акций и участвуйте.', 'Подвели итоги Акции — +500 руб. за 1-й полис ипотеки', 'publish', NULL, 0, NULL, NULL, NULL, NULL, NULL, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/09/setii-222.jpg', NULL, '690', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/09/setii-222.jpg', '690', 'featured-image', '{\"width\":1109,\"height\":536,\"filesize\":415966,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/09/setii-222.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/09/setii-222.jpg\",\"size\":\"full\",\"id\":690,\"alt\":\"Итоги Акции\",\"pixels\":594424,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 11:53:20', '2024-04-18 14:15:40', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2021-09-01 15:21:20', '2021-09-01 15:21:20', 0), (78, 'http://pamtest.ru/696-stan-samozanyatym-i-poluchi-500-rublej-2/', '63:296cdb156aecc48d3d6e70663d64dfac', 696, 'post', 'post', 1, 0, 'Стань самозанятым и получи 500 рублей', 'Станьте самозанятым на Пампаду с 9.09.2021 до включительно 17.09.2021, бонус 500 рублей будет начислен на счёт в личном кабинете 18.09.2021', 'Стань самозанятым и получи 500 рублей', 'publish', NULL, 0, NULL, NULL, NULL, 'Стань самозанятым', 64, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/09/blog-222xx.jpg', NULL, '697', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/09/blog-222xx.jpg', '697', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":335965,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/09/blog-222xx.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/09/blog-222xx.jpg\",\"size\":\"full\",\"id\":697,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 11:53:20', '2024-04-18 14:15:40', 1, NULL, NULL, NULL, NULL, 0, 2, 2, '2021-09-09 13:13:52', '2021-09-09 13:13:52', 0), (79, 'http://pamtest.ru/699-pampadu-sovmestno-s-admitad-expert-provodit-konferentsiyu-dlya-veb-masterov/', '98:4ccd5229f8bfda270dac3deb794a10b0', 699, 'post', 'post', 1, 0, '%%title%% %%page%%', 'Немного о ней:Большие бренды, рекламодатели и владельцы крупных рекламных площадок соберутся 17 октября на офлайн-конференции Admitad Expert в Москве.', 'Пампаду совместно с Admitad Expert проводит конференцию для веб-мастеров.', 'publish', NULL, 0, NULL, NULL, NULL, 'Admitad Expert', 56, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/09/Bezim34k3k343e44ni-2.jpg', NULL, '700', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/09/Bezim34k3k343e44ni-2.jpg', '700', 'featured-image', '{\"width\":1109,\"height\":601,\"filesize\":355678,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/09/Bezim34k3k343e44ni-2.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/09/Bezim34k3k343e44ni-2.jpg\",\"size\":\"full\",\"id\":700,\"alt\":\"\",\"pixels\":666509,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 11:53:20', '2024-04-18 14:15:40', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2021-09-10 13:13:01', '2021-09-10 13:13:01', 0), (80, 'http://pamtest.ru/710-gde-oformit-nesegment/', '44:68e2e040cc8f56d797781d10b016454a', 710, 'post', 'post', 12, 0, '%%title%% %%page%%', NULL, 'Где оформить страховку на несегмент', 'publish', NULL, 0, NULL, NULL, NULL, 'что такое система Е-Гарант', 44, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/09/Sots-seti-1.jpg', NULL, '712', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/09/Sots-seti-1.jpg', '712', 'featured-image', '{\"width\":1109,\"height\":536,\"filesize\":339931,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/09/Sots-seti-1.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/09/Sots-seti-1.jpg\",\"size\":\"full\",\"id\":712,\"alt\":\"Что такое Е-Гарант и чем полезен\",\"pixels\":594424,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 11:53:20', '2024-04-18 14:48:11', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2021-09-29 09:48:52', '2021-09-29 09:48:52', 0), (81, 'http://pamtest.ru/author/elena/', '31:e847616fc610ec5835d27beeff4af46d', 12, 'user', NULL, NULL, NULL, NULL, NULL, NULL, NULL, NULL, 0, NULL, NULL, NULL, NULL, NULL, NULL, 0, 0, NULL, NULL, NULL, NULL, NULL, 'https://1.gravatar.com/avatar/7cfb23df4cb51f8f70651748793acaeb?s=500&d=mm&r=g', NULL, NULL, 'gravatar-image', NULL, NULL, 'https://1.gravatar.com/avatar/7cfb23df4cb51f8f70651748793acaeb?s=500&d=mm&r=g', NULL, 'gravatar-image', NULL, NULL, NULL, NULL, '2023-09-11 11:53:20', '2024-04-11 12:43:49', 1, NULL, NULL, NULL, NULL, 0, NULL, 2, '2023-09-15 11:42:50', '2021-09-29 09:48:52', NULL), (82, 'http://pamtest.ru/724-izmenenie-kv-po-osago-v-soglasie-i-rosgosstrah-s-01-10-2021/', '82:d0739f060aac5a07877a40eb38218c64', 724, 'post', 'post', 1, 0, '%%title%%', 'С 01.10.2021 значительно изменены размеры комиссий от СК Согласие и Росгосстрах. Рассказываем подробно, по каким регионам было повышение, а по каким понижение.', 'Изменения комиссий по ОСАГО от СК Согласие и Росгосстрах', 'publish', NULL, 0, NULL, NULL, NULL, 'Изменение КВ по ОСАГО', 48, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/10/Bezim333eni-3.jpg', NULL, '725', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/10/Bezim333eni-3.jpg', '725', 'featured-image', '{\"width\":1200,\"height\":630,\"filesize\":310333,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/10/Bezim333eni-3.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/10/Bezim333eni-3.jpg\",\"size\":\"full\",\"id\":725,\"alt\":\"Изменение вознаграждений\",\"pixels\":756000,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 11:53:20', '2024-04-18 14:48:11', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2021-10-01 11:13:26', '2021-10-01 11:13:26', 0), (83, 'http://pamtest.ru/743-novosti-pampadu-04-10-2021/', '49:bc4093ad0c16d737d78f37019c8ee1a7', 743, 'post', 'post', 1, 0, '%%title%%', 'Рассказываем о последних обновлениях в ОСАГО и Ипотеке, которые вы могли пропустить. Новости Пампаду от 04.10.2021', 'Новости Пампаду 04.10.2021', 'publish', NULL, 0, NULL, NULL, NULL, 'новости Пампаду', 65, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/10/1030x498-2.jpg', NULL, '744', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/10/1030x498-2.jpg', '744', 'featured-image', '{\"width\":1030,\"height\":498,\"filesize\":363670,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/10/1030x498-2.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/10/1030x498-2.jpg\",\"size\":\"full\",\"id\":744,\"alt\":\"Новости Пампаду 04.10.2021\",\"pixels\":512940,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 11:53:20', '2024-04-18 14:48:11', 1, NULL, NULL, NULL, NULL, 0, 3, 2, '2021-10-04 11:38:51', '2021-10-04 11:38:51', 0), (84, 'http://pamtest.ru/750-kak-oformit-polis-na-nesegment-v-e-garant/', '64:49f0add456e8f376cb8340b589ad9168', 750, 'post', 'post', 12, 0, '%%title%%', 'Продолжаем серию статей о том, как избежать ошибок и успешно оформить полис через Е-Гарант. Сегодня поговорим о правильном выборе страховой.', 'Какие страховые выбирать в Е-Гарант', 'publish', NULL, 0, NULL, NULL, NULL, 'как оформить Е-Гарант', 67, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/10/1038x498.jpg', NULL, '753', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/10/1038x498.jpg', '753', 'featured-image', '{\"width\":1038,\"height\":498,\"filesize\":306817,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/10/1038x498.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/10/1038x498.jpg\",\"size\":\"full\",\"id\":753,\"alt\":\"как оформить е-гарант\",\"pixels\":516924,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 11:53:20', '2024-04-18 14:48:11', 1, NULL, NULL, NULL, NULL, 0, 3, 2, '2021-10-05 12:22:48', '2021-10-05 12:22:48', 0), (85, 'http://pamtest.ru/793-pampadu-rezident-skolkovo/', '48:210ae10f5d9b9b8aecb9231671c59ba4', 793, 'post', 'post', 1, 0, '%%title%% %%page%%', 'В конце сентября экспертный совет завершил проверку и принял решение о принятии blg.pampadu.ru в состав резидентов Сколково.', 'Пампаду — резидент Сколково', 'publish', NULL, 0, NULL, NULL, NULL, 'pamdadu сколково', 44, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/10/1030x498.jpg', NULL, '794', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/10/1030x498.jpg', '794', 'featured-image', '{\"width\":1030,\"height\":498,\"filesize\":377243,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/10/1030x498.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/10/1030x498.jpg\",\"size\":\"full\",\"id\":794,\"alt\":\"сколково\",\"pixels\":512940,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 11:53:20', '2024-04-18 14:48:11', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2021-10-16 07:51:42', '2021-10-16 07:51:42', 0), (86, 'http://pamtest.ru/803-kak-zarabatyvat-s-e-garant/', '49:9c2a3eccbadbdb5799c71c32e1b4d094', 803, 'post', 'post', 12, 0, '%%title%% %%page%%', 'Сегодня расскажем, почему и как платная услуга Е-Гарант полезна профессиональному страховому агенту.', 'Как зарабатывать с Е-Гарант', 'publish', NULL, 0, NULL, NULL, NULL, 'заработок с Е-Гарант', 59, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/10/1030x498x.jpg', NULL, '804', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/10/1030x498x.jpg', '804', 'featured-image', '{\"width\":1030,\"height\":498,\"filesize\":320578,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/10/1030x498x.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/10/1030x498x.jpg\",\"size\":\"full\",\"id\":804,\"alt\":\"заработок с Е-Гарант\",\"pixels\":512940,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 11:53:20', '2024-04-18 14:48:11', 1, NULL, NULL, NULL, NULL, 0, 2, 2, '2021-10-21 12:54:13', '2021-10-21 12:54:13', 0), (87, 'http://pamtest.ru/815-onlajn-agregatorov-mogut-vynudit-rabotat-tolko-s-predprinimatelyami-i-samozanyatymi/', '106:eed165bd7aa428e9e14b777710907100', 815, 'post', 'post', 1, 0, '%%title%%', 'Рассказываем о будущих изменениях работы самозанятых с онлайн-агрегаторами и почему стоит на него перейти уже сейчас', 'Онлайн-агрегаторов могут вынудить работать только с предпринимателями и самозанятыми', 'publish', NULL, 0, NULL, NULL, NULL, 'обязательство быть самозанятым', 41, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/10/forbs.jpg', NULL, '819', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/10/forbs.jpg', '819', 'featured-image', '{\"width\":1030,\"height\":498,\"filesize\":174063,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/10/forbs.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/10/forbs.jpg\",\"size\":\"full\",\"id\":819,\"alt\":\"новости о самозанятых\",\"pixels\":512940,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 11:53:20', '2024-04-18 14:48:11', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2021-10-25 10:28:30', '2021-10-25 10:28:30', 0), (88, 'http://pamtest.ru/825-vazhno-novye-pravila-vneseniya-izmenenij-v-polisy-otkaz-v-vyplate-kv/', '91:d5b6a674cd5019e75a81a705577479eb', 825, 'post', 'post', 1, 0, '%%title%%', 'Рассказываем о новых правилах внесения изменений в полисы. Они могут стать \"аннулированными\".', 'Важно! Новые правила внесения изменений в полисы. Отказ в выплате КВ', 'publish', NULL, 0, NULL, NULL, NULL, 'новые правила внесения изменений в полисы', 39, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/10/1030x498-1.jpg', NULL, '827', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/10/1030x498-1.jpg', '827', 'featured-image', '{\"width\":1030,\"height\":498,\"filesize\":376900,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/10/1030x498-1.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/10/1030x498-1.jpg\",\"size\":\"full\",\"id\":827,\"alt\":\"новые правила изменений в полисы\",\"pixels\":512940,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 12:10:22', '2024-04-18 14:48:11', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2021-10-26 12:41:55', '2021-10-26 12:41:55', 0), (89, 'http://pamtest.ru/830-kak-ne-zabyt-o-prodlenii-polisov-osago/', '61:5e3e136a24ac226ea9c97833c98a86f4', 830, 'post', 'post', 12, 0, '%%title%% %%page%%', 'Рассказываем о новом функционале, который поможет вам продлевать полисы клиентов вовремя и зарабатывать больше. ', 'Как не забыть о продлении полисов ОСАГО', 'publish', NULL, 0, NULL, NULL, NULL, 'Как не забыть о продлении полисов ОСАГО', 58, 30, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/11/1030x498-2.jpg', NULL, '831', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/11/1030x498-2.jpg', '831', 'featured-image', '{\"width\":1030,\"height\":498,\"filesize\":334530,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/11/1030x498-2.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/11/1030x498-2.jpg\",\"size\":\"full\",\"id\":831,\"alt\":\"как не забыть о продлении полисов осаго\",\"pixels\":512940,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 12:10:22', '2024-04-18 14:48:11', 1, NULL, NULL, NULL, NULL, 0, 3, 2, '2021-11-03 11:38:26', '2021-11-03 11:38:26', 0), (90, 'http://pamtest.ru/841-dajdzhest-novostej-za-oktyabr-12-11-2021/', '63:ec1ccc65e79a54fa2c9fe114b9a75ac6', 841, 'post', 'post', 1, 0, '%%title%% %%page%% %%sep%%', 'В октябре и начале ноября произошло много интересного и важного для нашего с вами сотрудничества. Расскажем кратко обо всём.', 'Дайджест новостей за октябрь 12.11.2021', 'publish', NULL, 0, NULL, NULL, NULL, 'новости страхования', 61, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/11/Mail.jpg', NULL, '849', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/11/Mail.jpg', '849', 'featured-image', '{\"width\":1030,\"height\":498,\"filesize\":335161,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/11/Mail.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/11/Mail.jpg\",\"size\":\"full\",\"id\":849,\"alt\":\"Новости Пампаду 12.11.2021\",\"pixels\":512940,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 12:10:22', '2024-04-18 14:48:11', 1, NULL, NULL, NULL, NULL, 0, 4, 2, '2021-11-12 11:31:01', '2021-11-12 11:31:01', 0), (91, 'http://pamtest.ru/876-ostorozhno-moshenniki-v-strahovanii/', '58:2fc4897139b224e0394fb643a8f39386', 876, 'post', 'post', 1, 0, '%%title%% %%page%%', 'Остерегаем от популярных методах мошенничества на рынке страхования', 'Осторожно! Мошенники в страховании!', 'publish', NULL, 0, NULL, NULL, NULL, 'мошенники в страховании', 54, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/11/Mail_Moshenniki.jpg', NULL, '877', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/11/Mail_Moshenniki.jpg', '877', 'featured-image', '{\"width\":1030,\"height\":498,\"filesize\":353139,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/11/Mail_Moshenniki.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/11/Mail_Moshenniki.jpg\",\"size\":\"full\",\"id\":877,\"alt\":\"\",\"pixels\":512940,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 12:10:22', '2024-04-18 14:48:11', 1, NULL, NULL, NULL, NULL, 0, 2, 2, '2021-11-15 13:57:19', '2021-11-15 13:57:19', 0), (92, 'http://pamtest.ru/888-vash-besplatnyj-pomoshhnik-v-rabote-s-e-garant/', '69:6a5687deae412f28b6f989e8e7afc640', 888, 'post', 'post', 12, 0, '%%title%% %%page%%', 'Нашли отличное решение основной проблемы в работе с Е-Гарант — отсутствия доступных лимитов. Рассказываем подробно.', 'Ваш бесплатный помощник в работе с Е-Гарант', 'publish', NULL, 0, NULL, NULL, NULL, 'помощник в работе с е-гарант', 60, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/11/Mail-1.jpg', NULL, '891', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/11/Mail-1.jpg', '891', 'featured-image', '{\"width\":1030,\"height\":498,\"filesize\":287137,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/11/Mail-1.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/11/Mail-1.jpg\",\"size\":\"full\",\"id\":891,\"alt\":\"помощник в работе с е-гарант\",\"pixels\":512940,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 12:10:22', '2024-04-18 14:48:11', 1, NULL, NULL, NULL, NULL, 0, 4, 2, '2021-11-17 12:06:02', '2021-11-17 12:06:02', 0), (93, 'http://pamtest.ru/898-kak-obezopasit-sebya-i-drugih-ot-moshennikov/', '67:34a7788d4bfcddb51ab791f6df8899f8', 898, 'post', 'post', 1, 0, '%%title%% %%page%%', 'Вам приходят письма и звонки на которые вы не давали согласия? Расскажем что нужно сделать, прямо сейчас, чтобы обезопасить себя и помочь другим.', 'Как обезопасить себя и других от мошенников?', 'publish', NULL, 0, NULL, NULL, NULL, 'мошенничество в страховании', 63, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/11/f1030x498.jpg', NULL, '901', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/11/f1030x498.jpg', '901', 'featured-image', '{\"width\":1030,\"height\":498,\"filesize\":353655,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/11/f1030x498.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/11/f1030x498.jpg\",\"size\":\"full\",\"id\":901,\"alt\":\"мошенничество в страховании\",\"pixels\":512940,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 12:10:22', '2024-04-18 14:48:11', 1, NULL, NULL, NULL, NULL, 0, 2, 2, '2021-11-21 10:33:37', '2021-11-21 10:33:37', 0), (94, 'http://pamtest.ru/913-sledite-za-rabotoj-servisa-pampadu-ru-v-rezhime-live/', '75:26f51246d3081e58b52f5736edf838d3', 913, 'post', 'post', 1, 0, '%%title%% %%page%%', 'Мы возродили наш Instagram-аккаунт, где собираемся публиковать уникальные свежие материалы. Подпишитесь!', 'Следите за работой сервиса pampadu.ru в режиме Live', 'publish', NULL, 0, NULL, NULL, NULL, 'пампаду инстаграм', 46, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/11/Email4.png', NULL, '915', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/11/Email4.png', '915', 'featured-image', '{\"width\":1030,\"height\":498,\"filesize\":386672,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/11/Email4.png\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/11/Email4.png\",\"size\":\"full\",\"id\":915,\"alt\":\"пампаду инстаграм\",\"pixels\":512940,\"type\":\"image/png\"}', 0, NULL, NULL, '2023-09-11 12:10:22', '2024-04-18 14:48:11', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2021-11-23 14:08:52', '2021-11-23 14:08:52', 0), (95, 'http://pamtest.ru/927-uchastvuj-v-novogodnem-rozygryshe-ot-pampadu/', '67:be61eb694d11ec1c9de24ac1d2eddb71', 927, 'post', 'post', 1, 0, '%%title%% %%page%%', 'Уважаемые Агенты! Стартует предновогодняя акция от Пампаду с Призовым фондом - 300.000 руб.', 'Участвуй в новогоднем розыгрыше от Пампаду!', 'publish', NULL, 0, NULL, NULL, NULL, 'новогодний розыгрыш пампаду', 46, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/12/1030x498.jpg', NULL, '928', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/12/1030x498.jpg', '928', 'featured-image', '{\"width\":1030,\"height\":498,\"filesize\":327212,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/12/1030x498.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/12/1030x498.jpg\",\"size\":\"full\",\"id\":928,\"alt\":\"новогодний розыгрыш пампаду\",\"pixels\":512940,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 12:10:22', '2024-04-18 15:27:23', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2021-12-07 07:46:55', '2021-12-07 07:46:55', 0), (96, 'http://pamtest.ru/935-v-gosdume-rassmatrivaetsya-zakonoproekt-ob-otmene-obyazatelnogo-tehosmotra-dlya-lichnyh-avto/', '115:fe43739c6d7c15ce686baa60e4142762', 935, 'post', 'post', 1, 0, 'Рассматривают законопроект об отмене техосмотра 2021', 'В Госдуму внесён законопроект об отмене обязательного техосмотра личного автотранспорта. По подсчётам инициаторов законопроекта, изменения значительно облегчат жизнь 50 млн автовладельцев нашей страны.', 'В Госдуме рассматривается законопроект об отмене обязательного техосмотра для личных авто', 'publish', NULL, 0, NULL, NULL, NULL, 'отмена техосмотра', 54, 30, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/12/d6440f15e9882a13.jpg', NULL, '936', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/12/d6440f15e9882a13.jpg', '936', 'featured-image', '{\"width\":1030,\"height\":498,\"filesize\":351973,\"url\":\"http://pamtest.ru/wp-content/uploads/2021/12/d6440f15e9882a13.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2021/12/d6440f15e9882a13.jpg\",\"size\":\"full\",\"id\":936,\"alt\":\"отмена обязательного техосмотра\",\"pixels\":512940,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 12:10:22', '2024-04-18 15:27:23', 1, NULL, NULL, NULL, NULL, 0, 2, 2, '2021-12-09 14:33:26', '2021-12-09 14:33:26', 0), (97, 'http://pamtest.ru/943-povysheno-komissionnoe-voznagrazhdenie-sk-renessans-15-12-2021/', '85:a7b41785f81f9ef55baea4e4a129c09c', 943, 'post', 'post', 12, 0, '%%title%% %%page%%', 'Значительно повысилась комиссия СК Ренессанс по пролонгации полисов ОСАГО в некоторых регионах', 'Повышено комиссионное вознаграждение СК Ренессанс 15.12.2021', 'publish', NULL, 0, NULL, NULL, NULL, 'повышение кв ренессанс', 44, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/12/photo_2021-03-02_18-13-49.jpg', NULL, '944', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2021/12/photo_2021-03-02_18-13-49.jpg', '944', 'featured-image', 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Победить может каждый – будет 100 призовых места!', 'Пампаду разыгрывает 150 000 рублей — Победить может каждый', 'publish', NULL, 0, NULL, NULL, NULL, 'розыгрыш пампаду', 55, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/02/1038x498-1.jpg', NULL, '1160', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/02/1038x498-1.jpg', '1160', 'featured-image', '{\"width\":1038,\"height\":498,\"filesize\":362241,\"url\":\"http://pamtest.ru/wp-content/uploads/2022/02/1038x498-1.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2022/02/1038x498-1.jpg\",\"size\":\"full\",\"id\":1160,\"alt\":\"розыгрыш пампаду\",\"pixels\":516924,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 12:25:09', '2024-04-18 15:27:23', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2022-02-01 11:49:40', '2022-02-01 11:49:40', 0), (114, 'http://pamtest.ru/1163-kak-zarabotat-agentu-na-korporativnom-strahovanii/', '73:db342ff82be600c22167b55a071d3942', 1163, 'post', 'post', 1, 0, '%%title%% %%page%% %%sep%%', 'Любой активно работающий агент рано или поздно сталкивается с корпоративными видами страхования. Давайте разберемся как появляются такие клиенты и с какими сложностями можно столкнуться при их оформлении.', 'Как заработать агенту на корпоративном страховании?', 'publish', NULL, 0, NULL, NULL, NULL, 'корпоративное страхование', 52, 30, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/02/Mail_Blog.jpg', NULL, '1164', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/02/Mail_Blog.jpg', '1164', 'featured-image', '{\"width\":2060,\"height\":996,\"filesize\":207310,\"url\":\"http://pamtest.ru/wp-content/uploads/2022/02/Mail_Blog.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2022/02/Mail_Blog.jpg\",\"size\":\"full\",\"id\":1164,\"alt\":\"как заработать на корпоративном страховании\",\"pixels\":2051760,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 12:25:09', '2024-04-18 15:27:23', 1, NULL, NULL, NULL, NULL, 0, 3, 2, '2022-02-03 12:27:48', '2022-02-03 12:27:48', 0); INSERT INTO `wp_yoast_indexable` (`id`, `permalink`, `permalink_hash`, `object_id`, `object_type`, `object_sub_type`, `author_id`, `post_parent`, `title`, `description`, `breadcrumb_title`, `post_status`, `is_public`, `is_protected`, `has_public_posts`, `number_of_pages`, `canonical`, `primary_focus_keyword`, `primary_focus_keyword_score`, `readability_score`, `is_cornerstone`, `is_robots_noindex`, `is_robots_nofollow`, `is_robots_noarchive`, `is_robots_noimageindex`, `is_robots_nosnippet`, `twitter_title`, `twitter_image`, `twitter_description`, `twitter_image_id`, `twitter_image_source`, `open_graph_title`, `open_graph_description`, `open_graph_image`, `open_graph_image_id`, `open_graph_image_source`, `open_graph_image_meta`, `link_count`, `incoming_link_count`, `prominent_words_version`, `created_at`, `updated_at`, `blog_id`, `language`, `region`, `schema_page_type`, `schema_article_type`, `has_ancestors`, `estimated_reading_time_minutes`, `version`, `object_last_modified`, `object_published_at`, `inclusive_language_score`) VALUES (115, 'http://pamtest.ru/1169-kak-stat-strahovym-agentom/', '50:bd056fe2357e98eb1381beadeb03d8f2', 1169, 'post', 'post', 15, 0, '%%title%% %%page%% - Автострахования на дому ? Pampadu', '? Вы решили стать страховым агентом на дому? Разберёмся, что для этого нужно сделать по порядку. 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Сообщаем вам хорошую новость. 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Мы запустили корпоративное страхование юр. лиц на Пампаду! ? Уже сейчас вы можете подать заявку в 12 СК через единый личный кабинет', 'Запустили корпоративное страхование юр. лиц на Пампаду', 'publish', NULL, 0, NULL, NULL, NULL, 'корпоративное страхование', 59, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/02/YA-spr-blog-mail.jpg', NULL, '1192', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/02/YA-spr-blog-mail.jpg', '1192', 'featured-image', '{\"width\":2060,\"height\":996,\"filesize\":982509,\"url\":\"http://pamtest.ru/wp-content/uploads/2022/02/YA-spr-blog-mail.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2022/02/YA-spr-blog-mail.jpg\",\"size\":\"full\",\"id\":1192,\"alt\":\"корпоративное страхование пампаду\",\"pixels\":2051760,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 12:25:09', '2024-04-18 15:41:34', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2022-02-10 12:13:58', '2022-02-10 12:13:58', 0), (118, 'http://pamtest.ru/1194-kak-luchshe-rabotat-strahovomu-agentu-napryamuyu-so-strahovshhikom-ili-s-onlajn-platformoj-rassmotrim-oba-varianta/', '138:a0b3cf42283770fc9d42fc5ba24f7f6b', 1194, 'post', 'post', 15, 0, 'Как лучше работать страховому агенту: СК или онлайн-платформа??', 'Как лучше работать страховому агенту: напрямую со страховщиком или с онлайн-платформой. Рассмотрим оба варианта и сделаем вывод! ?‍♂️', 'Как лучше работать страховому агенту: напрямую с СК или с онлайн-платформой', 'publish', NULL, 0, NULL, NULL, NULL, 'как работать страховому агенту', 71, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/02/Kak-udobnee-rabotat.jpg', NULL, '1195', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/02/Kak-udobnee-rabotat.jpg', '1195', 'featured-image', '{\"width\":1038,\"height\":498,\"filesize\":360406,\"url\":\"http://pamtest.ru/wp-content/uploads/2022/02/Kak-udobnee-rabotat.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2022/02/Kak-udobnee-rabotat.jpg\",\"size\":\"full\",\"id\":1195,\"alt\":\"как работать страховому агенту\",\"pixels\":516924,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 12:25:09', '2024-04-18 15:41:34', 1, NULL, NULL, NULL, NULL, 0, 3, 2, '2022-02-10 14:16:09', '2022-02-10 14:16:09', 0), (119, 'http://pamtest.ru/1203-skolko-zarabatyvaet-strahovoj-agent/', '59:54e87acd6e13c3913abf798278ae95cf', 1203, 'post', 'post', 15, 0, '%%title%% ? Блог Pampadu', '? Разбираемся, сколько зарабатывает страховой агент. Как быстро он сможет получить первые доходы от деятельности и от чего они зависят ?', 'Сколько зарабатывает страховой агент?', 'publish', NULL, 0, NULL, NULL, NULL, 'сколько зарабатывает страховой агент', 76, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/02/Skolko-zarabatyvaet.jpg', NULL, '1204', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/02/Skolko-zarabatyvaet.jpg', '1204', 'featured-image', '{\"width\":1038,\"height\":498,\"filesize\":347128,\"url\":\"http://pamtest.ru/wp-content/uploads/2022/02/Skolko-zarabatyvaet.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2022/02/Skolko-zarabatyvaet.jpg\",\"size\":\"full\",\"id\":1204,\"alt\":\"сколько зарабатывает страховой агент\",\"pixels\":516924,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 12:25:09', '2024-04-18 15:41:34', 1, NULL, NULL, NULL, NULL, 0, 3, 2, '2022-02-11 13:41:15', '2022-02-11 13:41:15', 0), (120, 'http://pamtest.ru/1206-novye-obnovleniya-na-platforme-pampadu/', '62:cedae9dd2a2d91105790f6746c0d3329', 1206, 'post', 'post', 1, 0, '%%title%% %%page%% ? Блог Pampadu', '? Привет, коллеги! За последние две недели на нашей платформе произошло множество изменений и улучшений. 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Блог Pampadu', '?Где искать первых клиентов страховому агенту, как начать работать и сохранить клиентскую базу? Эффективные способы привлечения клиентов.', 'Где искать клиентов страховому агенту?', 'publish', NULL, 0, NULL, NULL, NULL, 'Где искать клиентов страховому агенту', 69, 30, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/02/1038x498-bez.jpg', NULL, '1216', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/02/1038x498-bez.jpg', '1216', 'featured-image', '{\"width\":1038,\"height\":498,\"filesize\":366353,\"url\":\"http://pamtest.ru/wp-content/uploads/2022/02/1038x498-bez.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2022/02/1038x498-bez.jpg\",\"size\":\"full\",\"id\":1216,\"alt\":\"как найти клиентов страховому агенту\",\"pixels\":516924,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 12:25:09', '2024-04-18 15:41:34', 1, NULL, NULL, NULL, NULL, 0, 5, 2, '2022-02-16 06:30:35', '2022-02-16 06:30:35', 0), (123, 'http://pamtest.ru/1229-otvety-na-chasto-zadavaemye-voprosy-po-korp-strahovaniyu/', '80:25cb221f6451b51010a25527ff866c5e', 1229, 'post', 'post', 1, 0, '%%title%% %%page%%', 'Совсем недавно у нас запустился новый продукт: страхование юрлиц. 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Как застраховать ипотеку агенту. Виды страхования по ипотеке. Где лучше оформить договор. Что нужно знать и как продать свой опыт ?', 'Как застраховать ипотеку страховому агенту', 'publish', NULL, 0, NULL, NULL, NULL, 'как застраховать ипотеку', 75, 30, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/02/1038x498-2.jpg', NULL, '1234', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/02/1038x498-2.jpg', '1234', 'featured-image', '{\"width\":1039,\"height\":498,\"filesize\":320570,\"url\":\"http://pamtest.ru/wp-content/uploads/2022/02/1038x498-2.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2022/02/1038x498-2.jpg\",\"size\":\"full\",\"id\":1234,\"alt\":\"как застраховать ипотеку\",\"pixels\":517422,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 12:42:11', '2024-04-18 15:41:34', 1, NULL, NULL, NULL, NULL, 0, 6, 2, '2022-02-24 09:46:18', '2022-02-24 09:46:18', 0), (125, 'http://pamtest.ru/1246-korporativnoe-strahovanie-goluboj-okean-dlya-strahovogo-agenta/', '86:2e3bb2d5297588b64b4a3d10203c6a95', 1246, 'post', 'post', 15, 0, '%%title%% %%page%%', '?? Что такое корпоративное страхование. Что страховать и сколько можно заработать агенту. Перспективы рынка корпоративного страхования. ?', 'Корпоративное страхование — голубой океан для страхового агента', 'publish', NULL, 0, NULL, NULL, NULL, 'корпоративное страхование', 67, 30, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/02/1039h498-12.jpg', NULL, '1247', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/02/1039h498-12.jpg', '1247', 'featured-image', '{\"width\":1039,\"height\":498,\"filesize\":474090,\"url\":\"http://pamtest.ru/wp-content/uploads/2022/02/1039h498-12.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2022/02/1039h498-12.jpg\",\"size\":\"full\",\"id\":1247,\"alt\":\"корпоративное страхование\",\"pixels\":517422,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 12:42:11', '2024-04-18 15:41:34', 1, NULL, NULL, NULL, NULL, 0, 5, 2, '2022-02-28 14:59:47', '2022-02-28 14:59:47', 0), (126, 'http://pamtest.ru/1249-kasko-ili-osago-v-chyom-raznitsa-dlya-agenta-avtostrahovaniya/', '85:f93d3e95bb55a0d107dda5e2fd01ffb0', 1249, 'post', 'post', 15, 0, '? %%title%% %%page%%', '? Работа агента автострахования. Разница между КАСКО И ОСАГО, где брать клиентов и сколько можно заработать. Подробнее в статье ?', 'КАСКО или ОСАГО? 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Тарифный коридор ОСАГО расширят. 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Наиболее эффективные способы и методы привлечения клиентов', 'Способы поиска клиентов для страхового агента. Живое общение, интернет и холодные звонки. Где найти первых клиентов начинающему агенту. 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Регистрация и авторизация в системе, функционал и возможности. Расчет страховки и оформление полиса', 'ВСК: Личный кабинет агента', 'publish', NULL, 0, NULL, NULL, NULL, 'вск личный кабинет страхового агента', 58, 30, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/07/1030h502-vsk.jpg', NULL, '1536', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/07/1030h502-vsk.jpg', '1536', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":372663,\"url\":\"http://pamtest.ru/wp-content/uploads/2022/07/1030h502-vsk.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2022/07/1030h502-vsk.jpg\",\"size\":\"full\",\"id\":1536,\"alt\":\"страховой агент личный кабинет ВСК\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 13:08:15', '2024-04-18 17:24:23', 1, NULL, NULL, NULL, NULL, 0, 10, 2, '2022-07-29 09:43:52', '2022-07-29 09:43:52', 0), (166, 'http://pamtest.ru/1539-reso-garantiya-lichnyj-kabinet-agenta/', '61:58a445c68427d5262ce06ddc09390a51', 1539, 'post', 'post', 15, 0, 'Личный кабинет агента РЕСО-гарантия. Мобильная и компьютерная версия. Возможности личного кабинета и нюансы работы.', 'Структура личного кабинета агента РЕСО-гарантия. Вход в систему. Функционал личного кабинета. Приложение “Агент рядом”. Оформление ОСАГО. Ввод данных и расчет стоимости полиса. Смена пароля', 'РЕСО-Гарантия. 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Ниже вы найдете подробную инструкцию о заработке на финансовых продуктах с помощью «Пампаду».', 'Как зарабатывать на финансовых продуктах с помощью платформы «Пампаду»?', 'publish', NULL, 0, NULL, NULL, NULL, 'Как зарабатывать на финансовых продуктах на Пампаду', 51, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/07/1030h502-5.jpg', NULL, '1543', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/07/1030h502-5.jpg', '1543', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":459103,\"url\":\"http://pamtest.ru/wp-content/uploads/2022/07/1030h502-5.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2022/07/1030h502-5.jpg\",\"size\":\"full\",\"id\":1543,\"alt\":\"Как зарабатывать на финансовых продуктах на Пампаду\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 13:08:15', '2024-04-18 17:24:23', 1, NULL, NULL, NULL, NULL, 0, 7, 2, '2022-07-29 12:04:23', '2022-07-29 12:04:23', 0), (168, 'http://pamtest.ru/1545-kak-stat-agentom-osago/', '46:b43d9463b815677f374274bade94aebd', 1545, 'post', 'post', 15, 0, 'Как стать страховым агентом ОСАГО онлайн, работа в автостраховании на дому', 'Рассказываем, как стать агентом автострахования е-ОСАГО за 5 минут и работать на себя. Особенности профессии и обязанности, поиск клиентов. Как и где пройти обучение.', 'Как стать агентом ОСАГО', 'publish', NULL, 0, NULL, NULL, NULL, 'как стать агентом осаго', 62, 30, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/07/1030h502-osago.jpg', NULL, '1546', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/07/1030h502-osago.jpg', '1546', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":436946,\"url\":\"http://pamtest.ru/wp-content/uploads/2022/07/1030h502-osago.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2022/07/1030h502-osago.jpg\",\"size\":\"full\",\"id\":1546,\"alt\":\"Как стать страховым агентом ОСАГО\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 13:08:15', '2024-04-18 17:24:23', 1, NULL, NULL, NULL, NULL, 0, 9, 2, '2022-07-29 13:48:05', '2022-07-29 13:48:05', 0), (169, 'http://pamtest.ru/3626-rozygrysh-yablochnyj-dzhem-2-0-aktivirovan/', '66:e5e9d78cd2926f95925fa509d42c3a11', 3626, 'post', 'post', 13, 0, '%%title%% %%page%%', 'Заливай трафик и продавай наши финансовые продукты, увеличивая шансы выиграть новый iPhone, Macbook и другую технику от Apple', '?Розыгрыш Яблочный джем 2.0 активирован', 'publish', NULL, 0, NULL, NULL, NULL, 'пампаду', 44, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-2.png', NULL, '3627', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-2.png', '3627', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":479375,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/09/1030h502-2.png\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/09/1030h502-2.png\",\"size\":\"full\",\"id\":3627,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/png\"}', 0, NULL, NULL, '2023-09-11 13:20:19', '2024-04-19 07:24:32', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2023-09-01 15:25:58', '2023-09-01 15:25:58', 0), (170, 'http://pamtest.ru/3597-spros-na-kvartiry-i-nedvizhimost-v-2023-godu/', '68:fa843f199b9c777fb805360ece197b9e', 3597, 'post', 'post', 15, 0, 'Спрос на квартиры и недвижимость в 2023 году', 'Спрос на недвижимость – это зависимость покупательского интереса от колебаний на имущественном рынке и изменений в правовом поле. Рынок постоянно меняется, поэтому задача эксперта прогнозировать спад или подъем спроса. 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Правила регистрации и авторизации для страховых агентов. Функционал личного кабинета', 'Личный кабинет страхового агента СПАО “Ингосстрах”', 'publish', NULL, 0, NULL, NULL, NULL, 'ингосстрах личный кабинет страхового агента', 54, 30, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/08/1030h502-Ingosstrah-LK.jpg', NULL, '1551', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/08/1030h502-Ingosstrah-LK.jpg', '1551', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":376379,\"url\":\"http://pamtest.ru/wp-content/uploads/2022/08/1030h502-Ingosstrah-LK.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2022/08/1030h502-Ingosstrah-LK.jpg\",\"size\":\"full\",\"id\":1551,\"alt\":\"Личный кабинет ингосстрах\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 13:23:45', '2024-04-18 17:24:23', 1, NULL, NULL, NULL, NULL, 0, 8, 2, '2022-08-01 09:25:17', '2022-08-01 09:25:17', 0), (173, 'http://pamtest.ru/1548-renessans-strahovanie-lichnyj-kabinet-agenta/', '68:623bf5aebed6b825c982c63b16ad34c6', 1548, 'post', 'post', 15, 0, 'Ренессанс страхование - личный кабинет страхового агента, регистрация, вход', 'Работа в личном кабинете \"Ренессанс страхование\" для агентов. Рассказываем, как зарегистрироваться и войти в лк, а также о его его функционале', 'Ренессанс страхование: Личный кабинет агента', 'publish', NULL, 0, NULL, NULL, NULL, 'ренессанс личный кабинет агента', 60, 30, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/08/1030h502-renesans.jpg', NULL, '1553', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/08/1030h502-renesans.jpg', '1553', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":393169,\"url\":\"http://pamtest.ru/wp-content/uploads/2022/08/1030h502-renesans.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2022/08/1030h502-renesans.jpg\",\"size\":\"full\",\"id\":1553,\"alt\":\"Ренессанс личный кабинет агента\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 13:23:45', '2024-04-18 17:24:23', 1, NULL, NULL, NULL, NULL, 0, 10, 2, '2022-08-01 09:52:08', '2022-08-01 09:52:08', 0), (174, 'http://pamtest.ru/1554-kak-rabotat-v-lichnom-kabinete-e-garant/', '63:c8f0b8656b0d308bad700178db9209fa', 1554, 'post', 'post', 15, 0, 'Как оформить полис Е-ОСАГО в система Е-Гарант', 'Рассказываем что такое Е-Гарант, объясняем алгоритм оформления не сегментной заявки в 2022 году.', 'Как работать в личном кабинете Е-Гарант', 'publish', NULL, 0, NULL, NULL, NULL, 'Как оформить полис в Е-Гарант', 54, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/08/1030h502-e-garant-2.jpg', NULL, '1557', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/08/1030h502-e-garant-2.jpg', '1557', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":460597,\"url\":\"http://pamtest.ru/wp-content/uploads/2022/08/1030h502-e-garant-2.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2022/08/1030h502-e-garant-2.jpg\",\"size\":\"full\",\"id\":1557,\"alt\":\"Как оформить полис в Е-Гарант\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 13:23:45', '2024-04-18 17:24:23', 1, NULL, NULL, NULL, NULL, 0, 6, 2, '2022-08-01 11:30:50', '2022-08-01 11:30:50', 0), (175, 'http://pamtest.ru/1560-kak-voditelyu-vosstanovit-kbm/', '53:4c307a32da9226913382ce8478aa3d31', 1560, 'post', 'post', 15, 0, 'Как восстановить КБМ (коэффициент бонус-малус) в 2022 году', 'Рассказываем, как восстановить КБМ по ОСАГО после замены прав или после аварии. Что делать, если КБМ пропал или в нем ошибка. Как сделать перерасчет КБМ.', 'Как водителю восстановить КБМ?', 'publish', NULL, 0, NULL, NULL, NULL, 'Как восстановить кбм', 69, 30, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/08/1030h502-kmb.jpg', NULL, '1561', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/08/1030h502-kmb.jpg', '1561', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":417460,\"url\":\"http://pamtest.ru/wp-content/uploads/2022/08/1030h502-kmb.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2022/08/1030h502-kmb.jpg\",\"size\":\"full\",\"id\":1561,\"alt\":\"Как восстановить КБМ\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 13:23:45', '2024-04-18 17:24:23', 1, NULL, NULL, NULL, NULL, 0, 5, 2, '2022-08-01 11:34:30', '2022-08-01 11:34:30', 0), (176, 'http://pamtest.ru/1618-rosgosstrah-lichnyj-kabinet-agenta/', '58:4cbd46afd69e7d4603a2f4050a98c04a', 1618, 'post', 'post', 15, 0, 'Регистрация и вход в личный кабинет агента. Мобильные версии приложения, их варианты и возможности.', 'Как начать оформлять полисы в ПАО “Росгосстрах”. Личный кабинет агента, приложения для клиентов: страхование, мобильный банк и т.д. Функциональные возможности сервиса.', 'Росгосстрах: Личный кабинет агента', 'publish', NULL, 0, NULL, NULL, NULL, 'росгосстрах личный кабинет агента', 52, 30, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/08/1030h502-ros.jpg', NULL, '1619', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2022/08/1030h502-ros.jpg', '1619', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":356495,\"url\":\"http://pamtest.ru/wp-content/uploads/2022/08/1030h502-ros.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2022/08/1030h502-ros.jpg\",\"size\":\"full\",\"id\":1619,\"alt\":\"Росгосстрах личный кабинет агента\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-11 13:23:45', '2024-04-18 17:24:23', 1, NULL, NULL, NULL, NULL, 0, 8, 2, '2022-08-12 11:20:04', '2022-08-12 11:20:04', 0), (177, 'http://pamtest.ru/1641-sogaz-lichnyj-kabinet-agenta/', '52:bd8f23eb1817fff48065e5f72635c1e0', 1641, 'post', 'post', 15, 0, 'СК СОГАЗ - Личный кабинет страхового агента: регистрация, вход', 'Личный кабинет страхового агента СОГАЗ. Регистрация, вход, основные функции и возможности ЛК. 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Средняя зарплата специалиста по страхованию в месяц. 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Но культура ипотечного страхования в России мало развита. 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Где лучше оформить ОСАГО? 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Разбираемся в механизме работы таргет-рекламы.', 'Таргетированная реклама в арбитраже: что это и как работает', 'publish', NULL, 0, NULL, NULL, NULL, NULL, NULL, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-10.jpg', NULL, '2945', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-10.jpg', '2945', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":318492,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/06/1030h502-10.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/06/1030h502-10.jpg\",\"size\":\"full\",\"id\":2945,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-12 01:53:45', '2024-04-19 01:11:37', 1, NULL, NULL, NULL, NULL, 0, 7, 2, '2023-06-09 14:18:33', '2023-06-09 14:18:33', 0), (381, 'http://pamtest.ru/2942-pozdravlyaem-s-dnem-rossii/', '50:823c2db6090fff878ab0b2d7be4ebccf', 2942, 'post', 'post', 13, 0, '%%title%% %%page%%', 'Поздравляем вас с 12 июня. С днем России!', 'Поздравляем с днем России!', 'publish', NULL, 0, NULL, NULL, NULL, 'пампаду', 31, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-10.png', NULL, '2943', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-10.png', '2943', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":325721,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/06/1030h502-10.png\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/06/1030h502-10.png\",\"size\":\"full\",\"id\":2943,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/png\"}', 0, NULL, NULL, '2023-09-12 02:10:15', '2024-04-19 01:11:37', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2023-06-12 10:11:00', '2023-06-12 10:11:00', 0), (382, 'http://pamtest.ru/2946-obnovlenie-referalnoj-programmy-na-pampadu/', '66:9432490bf84b13af652f32e2566efcc8', 2946, 'post', 'post', 13, 0, '%%title%% %%page%%', 'Совсем скоро!', 'Обновление реферальной программы на Пампаду!', 'publish', NULL, 0, NULL, NULL, NULL, 'пампаду', 40, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-11.png', NULL, '2947', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-11.png', '2947', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":123429,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/06/1030h502-11.png\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/06/1030h502-11.png\",\"size\":\"full\",\"id\":2947,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/png\"}', 0, NULL, NULL, '2023-09-12 02:10:15', '2024-04-19 01:11:37', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2023-06-12 14:00:00', '2023-06-12 14:00:00', 0), (383, 'http://pamtest.ru/2949-blog-pampadu/', '36:a2ad31d0586fbf8327efd8a1402de6b5', 2949, 'post', 'post', 13, 0, NULL, 'Подробные статьи о том, как заработать на Пампаду, где находить клиентов, а также способы продвижения агентов, партнерские программы и многое другое вы можете найти в блоге, который мы постоянно развиваем!', 'Блог Пампаду', 'publish', NULL, 0, NULL, NULL, NULL, 'пампаду', 56, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-12.png', NULL, '2950', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-12.png', '2950', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":123152,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/06/1030h502-12.png\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/06/1030h502-12.png\",\"size\":\"full\",\"id\":2950,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/png\"}', 0, NULL, NULL, '2023-09-12 02:10:15', '2024-04-19 01:11:37', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2023-06-13 12:49:55', '2023-06-13 12:49:55', 0), (384, 'http://pamtest.ru/2954-kejsy-po-kasko-v-mae/', '44:9f32de4bf0d3ea2c2a5fc36b1262312c', 2954, 'post', 'post', 13, 0, '%%title%% %%page%%', 'Делимся кейсами продаж КАСКО за май', 'Кейсы по Каско в мае.', 'publish', NULL, 0, NULL, NULL, NULL, 'пампаду', 35, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-3.jpg', NULL, '2955', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-3.jpg', '2955', 'featured-image', '{\"width\":1031,\"height\":502,\"filesize\":297729,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/06/1030h502-3.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/06/1030h502-3.jpg\",\"size\":\"full\",\"id\":2955,\"alt\":\"\",\"pixels\":517562,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-12 02:10:15', '2024-04-19 01:11:37', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2023-06-14 10:38:56', '2023-06-14 10:38:56', 0), (385, 'http://pamtest.ru/2961-cheki-vsegda-pod-rukoj/', '46:a6ee68da0a21dd40b74d358a525eea36', 2961, 'post', 'post', 13, 0, '%%title%% %%page%%', 'Теперь у вас есть возможность получать чеки об оплате страхового полиса по некоторым СК', '⚡️Чеки всегда под рукой!', 'publish', NULL, 0, NULL, NULL, NULL, 'пампаду', 31, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-13.png', NULL, '2962', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-13.png', '2962', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":340609,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/06/1030h502-13.png\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/06/1030h502-13.png\",\"size\":\"full\",\"id\":2962,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/png\"}', 0, NULL, NULL, '2023-09-12 02:10:15', '2024-04-19 01:11:37', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2023-06-14 12:06:35', '2023-06-14 12:06:35', 0), (386, 'http://pamtest.ru/2958-segmenty-rynka-nedvizhimosti-chto-eto-i-chto-nuzhno-znat-rieltoru/', '89:cb7be7cb81aba71a33a28e8cd2204eee', 2958, 'post', 'post', 15, 0, 'Сегменты рынка недвижимости: что это и что нужно знать риэлтору', 'Расскажем, какие бывают сегменты рынка недвижимости. Рассмотрим сегментацию по расположению, давности постройки, категории жилья и его площади.', 'Сегменты рынка недвижимости: что это и что нужно знать риэлтору', 'publish', NULL, 0, NULL, NULL, NULL, NULL, NULL, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-1-4.jpg', NULL, '2959', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-1-4.jpg', '2959', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":313729,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/06/1030h502-1-4.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/06/1030h502-1-4.jpg\",\"size\":\"full\",\"id\":2959,\"alt\":\"сегменты рынка недвижимости\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-12 02:10:15', '2024-04-19 01:11:37', 1, NULL, NULL, NULL, NULL, 0, 8, 2, '2023-06-14 15:07:08', '2023-06-14 15:07:08', 0), (387, 'http://pamtest.ru/2966-rabota-rieltorom-v-agentstve-nedvizhimosti-plyusy-ili-minusy/', '84:aa69cdc8233c19ad63b2bd3cd8a949ea', 2966, 'post', 'post', 15, 0, 'Работа риэлтором в агентстве недвижимости: плюсы или минусы', 'Хотите устроиться в риелторскую контору, но сомневаетесь? Расскажем про легкий старт в профессии. Вы узнаете, какие плюсы и минусы имеет работа риелтором в агентстве недвижимости.', 'Работа риэлтором в агентстве недвижимости: плюсы или минусы', 'publish', NULL, 0, NULL, NULL, NULL, NULL, NULL, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-3-4.jpg', NULL, '2967', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-3-4.jpg', '2967', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":288692,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/06/1030h502-3-4.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/06/1030h502-3-4.jpg\",\"size\":\"full\",\"id\":2967,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-12 02:10:15', '2024-04-19 01:11:37', 1, NULL, NULL, NULL, NULL, 0, 5, 2, '2023-06-14 15:18:13', '2023-06-14 15:18:13', 0), (388, 'http://pamtest.ru/2969-organizatsionnaya-struktura-agentstva-nedvizhimosti/', '75:64dd5c08521696047d741847eea59606', 2969, 'post', 'post', 15, 0, 'Организационная структура агентства недвижимости', 'В статье подробно расскажем о том, что собой представляет структура агентства недвижимости. Рассматриваем создание риелторской компании пошагово – от регистрации до грамотного подбора персонала.', 'Организационная структура агентства недвижимости', 'publish', NULL, 0, NULL, NULL, NULL, NULL, NULL, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-4-4.jpg', NULL, '2970', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/06/1030h502-4-4.jpg', '2970', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":300719,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/06/1030h502-4-4.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/06/1030h502-4-4.jpg\",\"size\":\"full\",\"id\":2970,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-12 02:10:15', '2024-04-19 01:11:37', 1, NULL, NULL, NULL, NULL, 0, 6, 2, '2023-06-14 15:24:41', '2023-06-14 15:24:41', 0), (389, 'http://pamtest.ru/2972-kak-rabotayut-rieltory-po-nedvizhimosti/', '63:057098f2536a0792f3af120cb252fc67', 2972, 'post', 'post', 15, 0, 'Как работают риэлторы по недвижимости: с чего начать новичку, что нужно чтобы стать риэлтором и что нужно для работы риэлтором', 'Решили попробовать себя в качестве риелтора, но не знаете о рисках этой профессии? Расскажем, как начать зарабатывать новичку. 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Рассматриваем поиск клиентов офлайн и онлайн. 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Обновите приложение Пампаду на Android', 'publish', NULL, 0, NULL, NULL, NULL, 'пампаду', 45, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-dlya-android.jpg', NULL, '3590', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-dlya-android.jpg', '3590', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":282514,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/08/1030h502-dlya-android.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/08/1030h502-dlya-android.jpg\",\"size\":\"full\",\"id\":3590,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-12 04:23:28', '2024-04-19 06:55:39', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2024-02-14 11:08:19', '2023-08-28 10:00:32', 0), (527, 'http://pamtest.ru/3592-zapustili-pilotnyj-proekt-s-bankom-tinkoff/', '66:66c884cb0781f5f67c731dacd93aeab6', 3592, 'post', 'post', 13, 0, '%%title%% %%page%%', 'Рассказываем про пилотный проект с банком Тинькофф', '? Запустили пилотный проект с банком Тинькофф', 'publish', NULL, 0, NULL, NULL, NULL, 'пампаду', 28, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-25.png', NULL, '3593', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-25.png', '3593', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":387743,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/08/1030h502-25.png\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/08/1030h502-25.png\",\"size\":\"full\",\"id\":3593,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/png\"}', 0, NULL, NULL, '2023-09-12 04:23:28', '2024-04-19 07:24:32', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2024-02-14 11:09:06', '2023-08-28 11:59:01', 0), (528, 'http://pamtest.ru/3600-konversiya-chto-eto-takoe-i-pochemu-vazhna-dlya-arbitrazhnika/', '85:145f4dfccc7cfcccbdf6c1f1fe8f484f', 3600, 'post', 'post', 13, 0, 'Конверсия: что это такое, как посчитать и почему важна для арбитражника', 'Говоря, конверсия что это такое, имеют в виду соотношение посетителей ресурса, которые совершили нужное действие, к общему количеству пользователей. Узнать больше можно далее.', 'Конверсия: что это такое и почему важна для арбитражника', 'publish', NULL, 0, NULL, NULL, NULL, NULL, NULL, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-1-14.jpg', NULL, '3601', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-1-14.jpg', '3601', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":274850,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/08/1030h502-1-14.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/08/1030h502-1-14.jpg\",\"size\":\"full\",\"id\":3601,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-12 04:41:25', '2024-04-19 07:24:32', 1, NULL, NULL, NULL, NULL, 0, 3, 2, '2023-08-28 12:59:22', '2023-08-28 12:59:22', 0), (529, 'http://pamtest.ru/3610-vstrechajte-osago-kross-teper-i-v-rosgosstrahe/', '70:1a5b2fb37ebf20869940666575cdb51a', 3610, 'post', 'post', 13, 0, '%%title%% %%page%%', 'Рады сообщить об успешном запуске ОСАГО пул + Кросс в СК Росгосстрах', '? Встречайте: ОСАГО + Кросс теперь и в Росгосстрахе', 'publish', NULL, 0, NULL, NULL, NULL, 'пампаду', 38, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502.jpg', NULL, '3611', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502.jpg', '3611', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":341097,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/08/1030h502.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/08/1030h502.jpg\",\"size\":\"full\",\"id\":3611,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-12 04:41:25', '2024-04-19 07:24:32', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2023-08-29 13:20:06', '2023-08-29 13:20:06', 0), (530, 'http://pamtest.ru/3613-ostalsya-poslednij-ryvok-k-vozmozhnosti-vyigrat-tsennuyu-tehniku-na-pampadu/', '99:c5b6fa38dc50cac454ae3bd6259d2557', 3613, 'post', 'post', 13, 0, NULL, 'Осталось всего 3 дня до завершения розыгрыша', 'Остался последний рывок к возможности выиграть ценную технику на Пампаду', 'publish', NULL, 0, NULL, NULL, NULL, 'пампаду', 47, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-26.png', NULL, '3614', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-26.png', '3614', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":399071,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/08/1030h502-26.png\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/08/1030h502-26.png\",\"size\":\"full\",\"id\":3614,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/png\"}', 0, NULL, NULL, '2023-09-12 04:41:25', '2024-04-19 07:24:32', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2023-08-30 07:38:39', '2023-08-30 07:38:39', 0), (531, 'http://pamtest.ru/3616-sentyabr-vremya-peremen-rasskazyvaem-pro-nebolshie-izmeneniya-dlya-fiz-lits-kotorye-proizojdut-uzhe-v-sentyabre/', '135:63d3c3f84ec38de92191a7ae44fb0609', 3616, 'post', 'post', 13, 0, '%%title%% %%page%%', 'Мы являемся партнерами крупнейших страховых компаний и банков и хотим лучших условий для наших пользователей.', 'Сентябрь время перемен — рассказываем про небольшие изменения для физ.лиц, которые произойдут уже в сентябре', 'publish', NULL, 0, NULL, NULL, NULL, 'пампаду', 48, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-27.png', NULL, '3617', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/08/1030h502-27.png', '3617', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":110310,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/08/1030h502-27.png\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/08/1030h502-27.png\",\"size\":\"full\",\"id\":3617,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/png\"}', 0, NULL, NULL, '2023-09-12 04:41:25', '2024-04-19 07:24:32', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2023-08-30 10:47:44', '2023-08-30 10:47:44', 0), (532, 'http://pamtest.ru/3620-zhdete-rezultatov-rozygrysha-vselennaya-podarkov-ot-pampadu/', '83:2534b34aa2ad290738b7a67022b56b96', 3620, 'post', 'post', 13, 0, '%%title%% %%page%%', 'Завершилась мега акция Вселенная подарков на Пампаду', '? Ждете результатов розыгрыша Вселенная подарков от Пампаду?', 'publish', NULL, 0, NULL, NULL, NULL, 'пампаду', 40, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502.png', NULL, '3621', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502.png', '3621', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":425571,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/09/1030h502.png\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/09/1030h502.png\",\"size\":\"full\",\"id\":3621,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/png\"}', 0, NULL, NULL, '2023-09-12 04:41:25', '2024-04-19 07:24:32', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2023-09-01 09:05:22', '2023-09-01 09:05:22', 0), (533, 'http://pamtest.ru/3629-dobavili-300-modelej-i-marok-avto-po-osago-na-pampadu/', '77:7c82ef257032a0788e78de4d54984431', 3629, 'post', 'post', 13, 0, '%%title%% %%page%%', 'Удалось добавить более 300 новых марок и моделей автомобилей и связать их со всеми активными партнерами нашей платформы!', '? Добавили +300 моделей и марок авто по ОСАГО на Пампаду', 'publish', NULL, 0, NULL, NULL, NULL, 'пампаду', 43, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-3.png', NULL, '3630', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-3.png', '3630', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":225891,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/09/1030h502-3.png\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/09/1030h502-3.png\",\"size\":\"full\",\"id\":3630,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/png\"}', 0, NULL, NULL, '2023-09-12 04:41:25', '2024-04-19 07:24:32', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2023-09-04 10:29:54', '2023-09-04 10:29:54', 0), (534, 'http://pamtest.ru/3632-vygodnye-usloviya-i-dostojnoe-voznagrazhdenie-po-offeru-gazprombanka-na-pampadu/', '103:62f8f8c8895676a0935f72c3a0298a4e', 3632, 'post', 'post', 13, 0, '%%title%% %%page%%', 'Сохраняем ставку по офферу Кредитная карта Газпромбанк 180 дней без %', '? Выгодные условия и достойное вознаграждение по офферу Газпромбанка на Пампаду', 'publish', NULL, 0, NULL, NULL, NULL, 'пампаду', 36, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-4.png', NULL, '3633', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-4.png', '3633', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":218826,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/09/1030h502-4.png\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/09/1030h502-4.png\",\"size\":\"full\",\"id\":3633,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/png\"}', 0, NULL, NULL, '2023-09-12 04:41:25', '2024-04-19 07:24:32', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2023-09-04 12:17:41', '2023-09-04 12:17:41', 0), (535, 'http://pamtest.ru/3636-zapusk-oflajn-kart-tinkoff/', '50:45b0c963ea263fad750674bd401eb788', 3636, 'post', 'post', 13, 0, '%%title%% %%page%%', 'Решили организовать централизованный сбор заявок на подключение к пилоту', '? Запуск офлайн карт Тинькофф', 'publish', NULL, 0, NULL, NULL, NULL, 'пампаду', 39, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-5.png-1.webp', NULL, '4600', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-5.png-1.webp', '4600', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":30110,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/09/1030h502-5.png-1.webp\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/09/1030h502-5.png-1.webp\",\"size\":\"full\",\"id\":4600,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/webp\"}', 0, NULL, NULL, '2023-09-12 04:41:25', '2024-04-19 07:24:32', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2023-12-13 12:16:53', '2023-09-05 11:42:47', 0), (536, 'http://pamtest.ru/3643-gotovy-prokachat-sebya-i-svoj-zarabotok-chtoby-ne-stoyat-na-meste-i-dobivatsya-rezultata/', '112:652a0141a88165def2e775ce7332b0b0', 3643, 'post', 'post', 13, 0, '%%title%% %%page%%', 'Начинай заливать трафик уже сейчас, чтобы увеличь шансы на выигрыш приза', '☄️ Готовы прокачать себя и свой заработок, чтобы не стоять на месте и добиваться результата?', 'publish', NULL, 0, NULL, NULL, NULL, 'пампаду', 37, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-7.jpg', NULL, '3644', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-7.jpg', '3644', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":106440,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/09/1030h502-7.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/09/1030h502-7.jpg\",\"size\":\"full\",\"id\":3644,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-12 04:41:25', '2024-04-19 07:43:28', 1, NULL, NULL, NULL, NULL, 0, 1, 2, '2023-09-07 11:36:58', '2023-09-07 11:36:58', 0), (537, 'http://pamtest.ru/3647-pochemu-pisma-popadayut-v-spam-i-kak-eto-ispravit/', '73:0f23e9fa88ae206d422749483f8ccaa6', 3647, 'post', 'post', 13, 0, 'Почему письма попадают в спам и как это исправить арбитражнику', 'В статье мы рассмотрим основные причины, почему рассылка попадает в спам. Найдем причины проблемы и подскажем решения, а также дадим инструменты для работы с рассылкой.', 'Почему письма попадают в спам и как это исправить', 'publish', NULL, 0, NULL, NULL, NULL, NULL, NULL, 90, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-8-4.jpg', NULL, '3648', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-8-4.jpg', '3648', 'featured-image', '{\"width\":1030,\"height\":502,\"filesize\":229027,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/09/1030h502-8-4.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/09/1030h502-8-4.jpg\",\"size\":\"full\",\"id\":3648,\"alt\":\"\",\"pixels\":517060,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-12 04:58:45', '2024-04-19 07:43:28', 1, NULL, NULL, NULL, NULL, 0, 6, 2, '2023-09-08 12:17:28', '2023-09-08 12:17:28', 0), (538, 'http://pamtest.ru/3650-avtomatizatsiya-v-arbitrazhe-chto-eto-instrumenty-i-kejsy/', '81:9c62f2e69d14df4581661ee4dae26458', 3650, 'post', 'post', 13, 0, 'Автоматизация в арбитраже: что это, инструменты и кейсы', 'Что такое автоматизация в арбитраже: к каким процессам применима, и какие инструменты пригодятся в ее реализации?', 'Автоматизация в арбитраже: что это, инструменты и кейсы', 'publish', NULL, 0, NULL, NULL, NULL, NULL, NULL, 60, 0, NULL, 0, NULL, NULL, NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-7-8.jpg', NULL, '3651', 'featured-image', NULL, NULL, 'http://pamtest.ru/wp-content/uploads/2023/09/1030h502-7-8.jpg', '3651', 'featured-image', '{\"width\":1030,\"height\":503,\"filesize\":300973,\"url\":\"http://pamtest.ru/wp-content/uploads/2023/09/1030h502-7-8.jpg\",\"path\":\"/home/c/ci15362/wordpress_68wix/public_html/wp-content/uploads/2023/09/1030h502-7-8.jpg\",\"size\":\"full\",\"id\":3651,\"alt\":\"\",\"pixels\":518090,\"type\":\"image/jpeg\"}', 0, NULL, NULL, '2023-09-12 04:58:45', '2024-04-19 07:43:28', 1, NULL, NULL, NULL, NULL, 0, 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