Nā Luna Hoʻoponopono Manaʻo
ʻO ka papa inoa o nā panakō haʻahaʻa loa ma Farani: ʻO ke koho ʻana i kāu panakō kahi mea e hoʻohiki ai iā ʻoe no ka manawa lōʻihi! No laila pono e noʻonoʻo pono ma mua o ka hana ʻana. ʻOi aku ka paʻa mau ʻana i ka hoʻololi ʻana i nā panakō. ʻAʻole maʻalahi ka loaʻa ʻana o ka panakō kūpono. I loko o kēia ululāʻau o nā kumukūʻai, pono ʻoe e ʻimi pinepine i kāu mau pono a me kāu ʻano hana panakō e lawe mai i ka papa inoa pololei loa.
He mea koʻikoʻi nā uku panakō ke koho ʻana i ka panakō maikaʻi loa. Hāʻawi ʻia i nā uku hoʻololi mai kekahi panakō a i kekahi, ua hoʻoholo mākou e hoʻonohonoho i kēia hoʻonohonoho i mea e kōkua ai iā ʻoe e ʻike i nā panakō liʻiliʻi loa ma Farani no ka makahiki 2022. E ʻike i ke koho ʻana i ka panakō ʻO ka mea liʻiliʻi loa hiki ke mālama iā ʻoe ma mua o 240 € i kēlā me kēia makahiki!
Ka papa o nā mea
ʻO ka helu ʻana o nā panakō haʻahaʻa loa ma 2022
Eia ka papa inoa o nā panakō me nā uku panakō haʻahaʻa loa ma 2022:
| kani | Bank | Koina makahiki |
|---|---|---|
| 1er | Boursorama Bank €80 i ka wehe ʻana | 22,72 € |
| 2e | ING | 24,88 € |
| 3e | Fortuneo €80 i ka wehe ʻana | 27,98 € |
| 4e | ʻO BforBank | 40,28 € |
| 5e | Bank Orange €80 i ka wehe ʻana | 49,43 € |
| 6e | ʻO Macif | 87,87 € |
| 7e | AXA Bank | 93,78 € |
| 8e | AlohaBank | 100,48 € |
| 9e | Credit Cooperative | 118,66 € |
| 10e | Credit Agricole Anjou Maine | 129,88 € |
| moe | Allianz Bank | 134,59 € |
| 12e | ʻAiʻai ʻo Agricole Normandy-Seine | 139,95 € |
| 13e | Monabanq €160 i ka wehe ʻana | 144,23 € |
| 14e | Credit Agricole Touraine Poitou | 144,69 € |
| 15e | Ka panakō leta | 145,41 € |
| 16e | ʻAiʻai Agricole Ile-de-France | 146,28 € |
| 17e | Credit Agricole Center-Ouest | 147,43 € |
| 18e | Credit Agricole Center-hikina | 147,97 € |
| 19e | Guiana Palani-Mayotte-COM | 148,56 € |
| 19e | Guadeloupe-Martinique-Reunion | 148,56 € |
| 21e | Banako Groupama | 149,13 € |
| 22e | Caisse d'Epargne Loire Drôme Ardèche | 150,09 € |
| 23e | ʻAiʻai Agricole Charente-Maritime Deux-Sevres | 151,58 € |
| 24e | ʻAiʻi Agricole Reunion | 151,60 € |
| 25e | Credit Agricole Atlantic Vendee | 151,97 € |
| 26e | Credit Agricole Center Loire | 152,11 € |
| 27e | Caisse d'Epargne Rhône Alpes | 156,50 € |
| 28e | Aiai Agricole Aquitaine | 156,83 € |
| 29e | ʻAiʻai Agricole Provence Côte d'Azur | 157,09 € |
| 30e | ʻAiʻai Agricole Franche-Comte | 159,63 € |
| 31e | Loaʻa iā Agricole Nord de France | 161,81 € |
| 32e | ʻAiʻai ʻo Agricole Normandy | 162,97 € |
| 33e | ʻAiʻai ʻo Agricole Alsace Vosges | 165,54 € |
| 34e | Loaʻa iā Agricole Toulouse 31 | 165,67 € |
| 35e | ʻO Caisse d'Epargne Grand Est Europe | 165,84 € |
| 36e | Aaie Mutuel Ocean | 166,66 € |
| 37e | ʻAiʻai Agricole Savoie | 166,80 € |
| 38e | Caisse d'Epargne Loire-Centre | 167,31 € |
| 39e | ʻAi kālā ʻo Agricole Charente-Perigord | 167,91 € |
| 40e | ʻAiʻai ʻo Agricole Ille-et-Vilaine | 167,96 € |
| 41e | ʻAiʻai Agricole Cotes d'Armor | 168,23 € |
| 42e | Credit Agricole Pyrenees Gascony | 168,33 € |
| 43e | ʻAiʻai Agricole Languedoc | 168,58 € |
| 44e | ʻAiʻai Agricole Alpes Provence | 169,61 € |
| 45e | ʻAiʻē Maritime Grand Ouest | 169,77 € |
| 46e | Kanaka Bank Nui Komohana | 170,67 € |
| 47e | Kikowaena Mutuel Hikina Hikina | 171,50 € |
| 47e | Kikowaena Mutuel aie | 171,50 € |
| 47e | ʻAiʻai Mutuel Dauphine-Vivarais | 171,50 € |
| 47e | ʻAiʻai Mutuel Mediterranean | 171,50 € |
| 47e | aie Mutuel Hema Hikina | 171,50 € |
| 47e | ʻAiʻai Mutuel Savoie-Mont Blanc | 171,50 € |
| 47e | aie Mutuel Anjou | 171,50 € |
| 47e | ʻAiʻai Mutuel Ile-de-France | 171,50 € |
| 47e | ʻAiʻai Mutuel Loire-Atlantique, Center West | 171,50 € |
| 56e | Caisse d'Epargne Ile-de-France | 171,67 € |
| 57e | Credit Agricole Hikina Akau | 172,59 € |
| 58e | Crédit Agricole Sud Rhône Alpes | 173,92 € |
| 59e | Banque Populaire Alsace Lorraine Champagne | 174,17 € |
| 60e | ʻAiʻai Mutuel Midi-Atlantique | 174,75 € |
| 61e | ʻAi kālā ʻo Agricole Val de France | 174,76 € |
| 62e | Caisse d'Epargne Aquitaine Poitou-Charentes | 175,70 € |
| 63e | CIC | 177,20 € |
| 64e | ʻAiʻai Mutuel Normandy | 177,50 € |
| 65e | Caisse d'Epargne Languedoc-Roussillon | 177,56 € |
| 66e | ʻAiʻai Mutuel Antilles-Guyane | 178,53 € |
| 67e | ʻAiʻai ʻo Agricole Brie Picardy | 178,96 € |
| 68e | Caisse d'Epargne Hauts de France | 179,46 € |
| 69e | ʻAiʻai Mutuel Sud-Ouest | 179,60 € |
| 69e | Ka Waihona Waihona no Normandy | 179,60 € |
| 71e | ʻAiʻai ʻo Agricole Loire Haute-Loire | 180,27 € |
| 72e | HSBC | 180,76 € |
| 73e | ʻO Credit Mutuel Massif Central | 180,83 € |
| 74e | Credit Agricole Champagne-Bourgogne | 180,86 € |
| 75e | ʻAiʻai ʻo Agricole Lorraine | 181,03 € |
| 76e | Loaʻa iā Agricole Nord Midi-Pyrenees | 181,30 € |
| 77e | Auvergne a me Limousin panakō mālama | 181,33 € |
| 78e | Caisse d'Epargne Bourgogne Franche-Comte | 181,52 € |
| 79e | Crédit Agricole Hema Mediterranean | 181,65 € |
| 80e | Chalus Bank | 181,79 € |
| 81e | Aiai Agricole Corsica | 183,57 € |
| 82e | BFCOI Mayotte | 184,72 € |
| 82e | BFCOIfmai Reunion | 184,72 € |
| 84e | Caisse d'Epargne Provence-Alpes-Corsica | 184,73 € |
| 84e | Caisse d'Epargne Reunion Mayotte | 184,73 € |
| 87e | Credit Agricole Center Palani | 184,94 € |
| 88e | Caisse d'Epargne Midi-Pyrenees | 186,18 € |
| 89e | Occitane People's Bank | 187,10 € |
| 90e | Aie Mutuel MABN | 187,18 € |
| 91e | ʻO ka Bank Auvergne Rhône Alpes | 189,11 € |
| 92e | Caisse d'Epargne Côte d'Azur | 190,55 € |
| 93e | Societe Generale €80 ma ka wehe ʻana | 192,34 € |
| 94e | ʻAiʻai ʻo Agricole Morbihan | 192,72 € |
| 95e | ʻAiʻai Agricole Finistere | 192,80 € |
| 96e | Ka Banako o Kanaka Burgundy Franche-Comte | 193,06 € |
| 97e | BRED Banque Populaire | 193,72 € |
| 98e | Ka Banako o kanaka Val de France | 193,81 € |
| 99e | Credit Agricole Guyana | 194,06 € |
| 99e | Credit Agricole Martinique | 194,06 € |
| 101e | Panako kanaka Mediterranean | 194,19 € |
| 102e | Ka Banako Kanaka Guadeloupe | 194,24 € |
| 103e | ʻAiʻai Mutuel Brittany | 194,63 € |
| 104e | ʻO Caisse d'Epargne Brittany Pays de Loire | 197,05 € |
| 105e | aie Mutuel Akau Europa | 197,55 € |
| 106e | ʻAiʻai moana Mediterranean | 197,96 € |
| 107e | Kanaka Banako Hema | 200,41 € |
| 108e | Credit Agricole Guadeloupe | 202,26 € |
| 109e | Banque Populaire Aquitaine Center Atlantic | 202,34 € |
| 110e | LCL | 203,30 € |
| 111e | Panako Rhône-Alpes | 204,16 € |
| 111e | Kolb Bank | 204,16 € |
| 111e | Ka Banako o Tarneaud | 204,16 € |
| 111e | Bank Laydernier | 204,16 € |
| 111e | Credit du Nord | 204,16 € |
| 111e | Banako o Courtois | 204,16 € |
| 111e | Ka Hui Hoaiai Marseille | 204,16 € |
| 118e | Ka Banako o na Kanaka Akau | 204,36 € |
| 119e | Bank Nuger | 204,86 € |
| 120e | BNP Paribas €80 i ka wehe ʻana | 205,21 € |
| 121e | BNP Paribas West Indies Guiana | 214,82 € |
| 122e | ʻO BPE | 219,38 € |
| 123e | Banako Millis | 221,47 € |
| 124e | Banque Populaire Rives de Paris | 221,64 € |
| 125e | Palatine Bank | 222,35 € |
| 126e | Bank Dupuy de Parseval | 245,56 € |
Pehea e koho ai i ka panakō kūpono?
E heluhelu i kekahi: 10 ʻO nā hoʻolālā kelepona ʻoi loa i ka makahiki 2022
ʻO ke kumu mua e noʻonoʻo ai ʻo ia nā uku panakō. Ua puka mai nā mea hoʻohālikelike he nui ma ka Pūnaewele a hāʻawi e ʻimi i nā makana maikaʻi loa e pili ana i kāu ʻano hana panakō ma muli o kāu mau pane i kekahi mau nīnau.
- Ma ke aʻo mau ʻana i nā uku panakō o nā ʻoihana, hana lākou i nā pae e alakaʻi i nā mea kūʻai.
- No ke koho ʻana i ka panakō kūpono, ʻaʻohe mea hoʻomaʻamaʻa hana mana, akā he ala i kūkulu ʻia e hahai ai.
- Koho ʻia kahi panakō e like me kona pono, kona ʻano o ke ola a me kāna ʻaoʻao. Ke hoʻopuka ʻia kēia mau kikoʻī, hiki ke hoʻomaka ka ʻimi no ka panakō kūpono.
ʻO ka panakō kūpono ka panakō kūpono loa iā ʻoe! Ma muli o ka moʻolelo a me ka nohona o kēlā me kēia kanaka, ʻoi aku ka kūpono o kekahi ʻano panakō ma mua o kekahi. No laila he aha nā pae e noʻonoʻo ai i ke koho ʻana i kāu panakō?
- ʻO kou mau makahiki: ma muli o ka makahiki, hāʻawi ʻia nā huahana a me nā lawelawe kikoʻī, e like me ke kāleka uku ʻōpio.
- ʻO kou kūlana ʻoihana: haumana, eleu. ua hoʻomaha… No ka poʻe ʻoihana, ʻo ka panakō ʻoihana paha ke ʻano o ka panakō kūpono loa iā ia, ʻoiai no kahi ʻōpio a i ʻole haumāna, ʻoi aku ka maʻalahi o ka panakō aupuni i ka mālama ʻana i kāna mau moʻokāki ma Farani, me ka nānā ʻole i kona wahi. .
ʻO kāu loaʻa kālā:
- He aha kaʻu kālā?
- Hōʻike pinepine au?
koho hoʻoilina:
- He aha kona nui?
- Pono au i kahi Luna Waiwai? ʻOi aku ka maikaʻi o kahi panakō hoʻopukapuka inā he waiwai nui kāu.
Ka pinepine o kāu mau huakaʻi ma waho: Pono au i nā ala kūikawā no ka uku a i ʻole nā lawelawe? Hoʻomaʻamaʻa nui kahi panakō honua i nā hana panakō ma waho.
E heluhelu i kekahi: CoinEx Exchange: He kahua hoʻololi maikaʻi ia? Nā loiloi a me nā ʻike āpau
Ke koho ʻana i kāu panakō: nā mea e nānā ai
No ka hapanui o ka poʻe, ʻo nā kumukūʻai o nā lawelawe panakō he kumu hoʻoholo i ke koho ʻana i kā lākou panakō. Ma waho aʻe o kēia wahi, nānā i ka maikaʻi, akā ʻo ka ʻokoʻa o nā lawelawe i hāʻawi ʻia he mea nui.
Nā helu e nānā i ke koho ʻana i kāu panakō
- Nā lawelawe kumu: ka wehe ʻana, ka mālama ʻana a me ka pani ʻana i nā moʻokāki, ka hoʻouna ʻana i nā ʻōlelo moʻohelu kālā, nā hoʻopiʻi pololei, nā hoʻoili, nā waihona, withdrawals, etc.
- Nā lawelawe panakō hou: kōkua a palekana, ʻinikua, mālama kālā, etc.
- Nā hana uku: ka laulā o nā kāleka, nā māka, a pēlā aku.
- nā huahana mālama: puke moʻohelu kālā, ʻinikua ola, moʻohelu passbook, UCITS, SICAV, etc.
- Nā huahana/lawelawe aie: kāleka, pānaʻi, hōʻaiʻē…
- Nā lawelawe mālama moʻokāki mamao: Kahi ʻāina: aia kahi hui kokoke iaʻu? He aha ka nui o ka pūnaewele panakō.
- E kelepona i ka panakō: kelepona, pūnaewele, hui..
- Pili me ka panakō: loaʻa nā mea aʻoaʻo: 24 hola i ka lā?
- Kākoʻo pilikino? Heluhelu? ATM? Panakō pūnaewele?
Pili paha nā hemahema i nā wahi o ka mālama ʻana, ka hōʻaiʻē a i ʻole ka mākeke kūʻai
Ma nā ʻōlelo kikoʻī, he aha kaʻu e pono ai e koho i kaʻu panakō?
- He moʻokāki o kēia manawa e loaʻa ai kaʻu uku?
- He moʻokāki hui e hoʻokele maikaʻi ai i nā lilo ʻohana maʻamau?
- He moʻokāki ʻoihana ma ke ʻano o kaʻu hana i kēlā me kēia lā?
- Kuʻuna a pilikino paha ka uku?
- No nā pono huahana maʻamau: nā panakō nui, i kapa ʻia ʻo "nā panakō kalepa", hāʻawi i nā huahana a me nā lawelawe e hoʻokō pono i nā pono o ka hapa nui o nā mea kūʻai.
- Nā lawelawe pilikino a maʻamau paha?
- No ka pōmaikaʻi mai nā huahana kālā pilikino a me nā lawelawe, ʻoi aku ka maikaʻi o nā panakō pilikino. Eia naʻe, e hoʻomanaʻo ʻoi aku ka kiʻekiʻe o ke kumukūʻai o nā huahana a me nā lawelawe kālā ma mua o kahi pūnaewele waihona kālā.
- Kōkua me ka mālama ʻana i kaʻu waiwai? Nā ʻōlelo aʻo kālā maʻalahi?
- Pili mau me kahi kākā'ōlelo pilikino? No ka mālama ʻana i kahi pilina pili pono me kāu kākāʻōlelo, e koho i kāu panakō, makemake ʻia nā hui liʻiliʻi a i ʻole ka nui e like me ka panakō kūloko.
- E hoʻokele kūʻokoʻa i kaʻu waihona waihona?
No ka ʻokoʻa a me ke kūʻokoʻa, ʻaʻohe mea ʻoi aku ka maikaʻi ma mua o nā panakō pūnaewele o ke ʻano: Hello Bank! A i ʻole nā mea ʻē aʻe no ia mea, ʻaʻohe o mākou makemake koe wale no ka panakō haʻahaʻa loa.
E koho i kāu panakō ma ka pūnaewele a i ʻole ma kahi pūnaewele lālā?
Eia hou, pili ia i kāu ʻaoʻao, kāu mau pono a me kāu mau manaʻo. Akā, e makaʻala i ka hāʻawi ʻana o nā panakō kuʻuna a me nā panakō kuʻuna i nā lawelawe kumu like. Aia ka ʻokoʻa i nā kumukūʻai haʻahaʻa loa ma nā panakō pūnaewele ʻo ia hoʻi nā panakō manuahi, akā i ka hana pū me ka ʻole o kahi ʻoihana a me ka ʻole o ka counter.
No ke aha e koho ai i kahi panakō pūnaewele?
- No ke kūʻokoʻa a me ke kūʻokoʻa o ka hoʻokele
- No ke komo mamao mau loa 7 lā o ka pule
- No nā uku liʻiliʻi a haʻahaʻa
Hoʻomaopopo: hiki ke loaʻa i kahi kākāʻōlelo pilikino me kahi panakō pūnaewele.
No ke aha e makemake ai i kahi panakō kuʻuna?
- No ka pili pili
- No kāna pūnaewele hui
- No nā lawelawe hou aku
E koho i kāu panakō e like me kāu papahana a me kāu mau pono
Nui a ʻano like ʻole nā papahana, e like me nā lawelawe kālā a me nā huahana. Mai ka mālama mālama maʻalahi, a hiki i ke kūʻai ʻana i ka waiwai paʻa, me ka hōʻaiʻē a me ka ʻinikua, hoʻokō ka hāʻawi panakō i nā noi āpau. ʻO ia ke kumu ma mua o ka hoʻohālikelike ʻana i nā panakō, e hoʻoholo mua i kāu mau pono.
- He aha nā huahana a lawelawe paha aʻu e pono ai?
- No nā pahuhopu a i ʻole nā papahana hea?
- Hōʻike pinepine au?
E hoʻohālikelike i nā uku panakō no ka manuahi a me ka maʻalahi!
Hānau ʻia ma kahi hui hui o ka Ministry of the Economy and the Financial Sector Advisory Committee (CCSF), ʻo ka mea hoʻohālikelike i nā kumukūʻai panakō he mea hana a manuahi e hiki ai iā ʻoe ke hoʻohālikelike i nā uku nui i kau ʻia e nā ʻoihana waihona kālā.
He manuahi a hōʻano hou ʻia i kēlā me kēia pule, uhi ka mea hoʻohālikelike helu panakō i nā keʻena Farani āpau a papa inoa ma kahi o 150 mau keʻena hōʻaiʻē, ʻoi aku ka nui ma mua o 98% o ka mākeke e kū nei ma ka ʻāina. Ma waho aʻe o nā lawelawe kumu hoʻohālikelike, e like me ka hoʻololi ʻana, nā hōʻaiʻē pololei a i ʻole nā kumukūʻai kāleka kāleka, hiki i ka mea hoʻohālikelike ke hoʻohālikelike iā ʻoe ma kahi o ʻumi mau lawelawe like ʻole a hōʻike i 6 mau helu like ʻole i ka manawa.
Hāʻawi ka mea hoʻohālikelike e hahai i ka loli o nā kumukūʻai o nā hale hoʻokumu. Hoʻohui ʻia kahi mea hōʻike me nā pua (luna, lalo) a i ʻole ka hōʻailona "=" (no nā stagnation) i kēlā me kēia papa o nā hopena.
Eia kekahi, ma ke kau ʻana i ka ʻiole ma luna o nā kumukūʻai, ʻike ʻia ka nui o ka hoʻonui a i ʻole ka emi ʻana, no ka laʻana: "+1 € mai Ianuali 2021, XNUMX". Eia naʻe, ʻaʻole i loaʻa kēia koho ma ke kelepona a i ʻole ka papa, akā no nā kūkākūkā mai kahi kamepiula.
Eʻike hou: ʻO nā mea āpau āu e ʻike ai e pili ana i ka Paysera Bank, e hoʻoili kālā ma ka pūnaewele & Nānā: ʻO nā mea āpau e pili ana iā Revolut, kāleka panakō a me ka waihona i hoʻohana ʻia e nā miliona o ka poʻe
ʻO nā mea a pau āu e hana ai, e hoʻopiha i ke ʻano o ka hoʻokumu ʻana (kino, pūnaewele a i ʻole i hui pū ʻia ʻelua) āu e makemake ai, a me kāna ʻoihana. A laila koho i ka 6 uku e hoʻohālikelike. I loko o 3 kaomi wale nō, ʻike ʻia nā hopena, hiki ke lawe ʻia a paʻi ʻia ma ke ʻano o ka papaʻaina. Penei:
- E poʻo i ka pūnaewele www.tarifs-bancaires.gouv.fr
- Ka hōʻea ʻana ma ka ʻaoʻao home o ka pūnaewele. e pili ana i ka pā "Hana i kahi hulina". koho i ke ʻano o ka hoʻokumu ʻana āu e makemake ai e hoʻokomo i kāu hulina (1 koho hiki ke hiki):
- nā panakō a i ʻole nā mea lawelawe uku me nā keʻena nā panakō a i ʻole nā mea hoʻolako lawelawe uku pūnaewele ʻoihana lehulehu a me ka ʻoihana kalepa (EPIC) nā hale hoʻokumu āpau.
- E koho i kāu 'oihana (1 koho 'ia) ma ka papa kuhikuhi iho i lalo a i 'ole ma ke kaomi 'ana i ka 'oihana i nīnau 'ia ma ka hexagon (a i 'ole ma nā mokupuni 'oihana o waho) ma lalo iho nei.
- E koho i nā uku panakō e hoʻohālikelike. Hiki iā ʻoe ke hoʻokomo i 6 mau koho ma ke kamepiula a me ka papa a i ʻole 3 ma ke kelepona paʻalima. Inā makemake ʻoe e ʻike i ka wehewehe ʻana o kēia mau uku ma mua o ka nānā ʻana iā lākou, e kaomi i nā māka nīnau ʻulaʻula e pili ana i kēlā me kēia uku no ka wehewehe.
