Bwanji osapitirira 3000 mayuro pa Livret A yanu? Nayi ndalama zoyenera kusunga!

Kodi munayamba mwadzifunsapo chifukwa chake simuyenera kusunga ma euro opitilira 3000 pa Livret A yanu ? M'nkhaniyi, tiwona chifukwa chake kupitilira kuchuluka kumeneku kungakhale kopanda phindu. Tidzakambirananso zandalama zoyenera kukhala nazo mu Livret A yanu. Chifukwa chake, khalani nafe kuti mudziwe chifukwa chake kuli kofunika kupeza malire pakati pa ndalama ndi ndalama.

Chifukwa chiyani Livret A sayenera kupitirira 3000 Euros?

Amatchedwa " mfumu ya ndalama zotetezeka » mu chikhalidwe cha zachuma ku France, the Kabuku kaŵirikaŵiri ndicho kusankha koyamba kwa iwo amene akufuna kufunafuna chitetezo chandalama.

Komabe, chidwi chachikulu cha chida chosungirachi chiyenera kuchepetsedwa posunga ndalama zokwana ma euro 3000.

Chiwerengerochi, chomwe chingawoneke ngati chosasinthasintha poyang'ana koyamba, chiwerengedweratu mosamala. Kumbuyo kwa chiletsochi kuli zotsatira zamisonkho zotsatizana ndi kugwiritsa ntchito Livret A.

Zotsatira zamisonkho pakudzaza Livret A yanu mpaka malire ake

Chithumwa cha Livret A chagona mu lonjezo lake la chitetezo ku kulephera kwa banki, kuphatikizapo chiwongoladzanja chokongola. Ngakhale izi, kufikira dome la 3000 euros pa akauntiyi zitha kukhala ndi zomvetsa chisoni. Kupyola malire a maloto a 22,950 euros ndikupitiriza kulipira ndalama, kungayambitse msonkho wa 12% pa kuchuluka kwa kusefukira. Mfundo yomwe ingasokoneze phindu lazachuma lomwe limafunidwa kwambiri.

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Njira zina zopangira ndalama popanda chiwopsezo cha chilango cha msonkho

Komabe, pali njira zina zopindulitsa, popanda chiopsezo cha chilango cha msonkho. Kabuku ka Sustainable and Solidarity Development (LDDS) ndi mapulani osungira nyumba (Mtengo wa ELP) ndi zida zoyendetsera ndalama zomwe zimapereka chiwongola dzanja chofanana ndi Livret A, koma zimalola kusungitsa ndalama zambiri.

Zogulitsa zovuta zachuma monga masheya kapena ma bond zimatha kupereka kubweza kwapamwamba, ngakhale kuwopsa ndi kuwongolera msika wachuma womwe umatsagana nawo.

Malangizo anga? Pangani kusanthula kwathunthu kwachuma chanu musanadziwe komwe mungasungire ndalama zanu komanso momwe mungayikitsire.

Kumbukirani kuti Livret A ndi njira yosungira kwakanthawi kochepa komanso kuti pali njira zina zopangira ndalama zazikulu, zazitali.

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Kodi ndi ndalama ziti zoyenera kukhala nazo mu Livret A?

Livret A, malonda azachuma aku France awa omwe amakondedwa ndi opulumutsa, ali ndi zithumwa zake. Kuphweka kwake, kudalirika komanso kupezeka kwachangu kumapangitsa kuti ikhale njira yabwino kwa thumba ladzidzidzi. Komabe, kuthekera kwake kobweretsa phindu lalikulu kuli ndi malire, chifukwa chake malingaliro osagwira ma euro opitilira 3000.

Koma ndiye, ndalama zoyenera kuyika mu Livret A ndi ziti?

Kuti muyankhe funsoli, choyamba muyenera kuganizira chifukwa chimene mukusungira. Livret A idapangidwa kuti ikhale njira yosungira kwakanthawi kochepa. Cholinga chake chachikulu ndikupereka ndalama zothandizira ndalama zosayembekezereka kapena ndalama zadzidzidzi. Chifukwa chake, monga lamulo, ndalama zofikira ma euro 3000 nthawi zambiri zimalimbikitsidwa. Izi nthawi zambiri zimakhala malipiro apamwezi ndipo ziyenera kukhala zokwanira kulipira ndalamazi ndikupewa chindapusa chakubanki.

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Udindo wa inflation posankha ndalama zoyikapo

Inflation, yomwe ili ndi vuto la opulumutsa, imagwira ntchito yofunika kwambiri pozindikira kuchuluka kwa ndalama zomwe ziyenera kuyikidwa mu Livret A. Ngakhale kuti chiwongola dzanja cha Livret A chakwera mpaka 2%, sichingapambane polimbana ndi kutsika kwamitengo komwe kukuyembekezeka. 5 mpaka 6% ya chaka chino.

Njira zopindulitsa kwambiri kuposa Livret A

Mwamwayi, palibe Livret A yokha yoti muyike ndalama zanu. Njira zina zopezera ndalama monga akaunti yosungiramo nyumba kapena akaunti yosungira chitukuko chokhazikika zimatha kupereka phindu labwinoko ndikuchepetsa kutayika kwa mphamvu zogulira chifukwa cha kukwera kwa mitengo.

Pamapeto pake, kuchuluka koyenera kuyika mu Livret A yanu kumadalira zosowa zanu, kulolerana kwanu pachiwopsezo komanso zolinga zanu zachuma zanthawi yayitali. Kusiyanasiyana ndi kukonza zachuma ndi mawu ofunikira pakuwongolera kosunga bwino.

Makhalidwe a kabuku A:

• Kabuku kamodzi kokha pa munthu, wamkulu kapena wamng'ono. Komabe, kugwidwa munthawi imodzi kwa kabuku ka A ndi kabuku ka Blue zonse zidatsegulidwa 1 isanafike^er Seputembara 1979 (tsiku loyambira Lamulo No.^o 79-730 ya Ogasiti 30, 1979 yomwe idachotsa njirayi) ikadali yotheka. Lamuloli silinatsutsidwe ndi lamulo n^o 2008-776 ya Ogasiti 4, 2008 pazachuma chamakono. Pofika lero, pa August 11, 2010, n’zotheka kuti anthu amene ananyamula kabuku ka A (katsegulidwa ku La Poste kapena ku Savings Bank) ndi kabuku ka Blue komwe katsegulidwa ku Crédit Mutuel kusunga (popanda kuwasamutsa) timabuku tiwiri timeneti.
• Malipiro ochepera akatsegulidwa: €10 (€1,5 pa kabuku ku La Banque Postale)
• Kulipira pamwezi: sikugwira ntchito (malipiro aulere),
• Kulipira ndi kuchotsera: mu 2021 lamulo lakale, losatsatira lakhazikitsidwa mpaka pano, zolipira ndi zochotsa ziyenera kudutsa muakaunti yoyang'anira yemweyo yemwe adatsegulidwa pamalo omwewo. Chifukwa chake sikungathekenso kusamutsa mwachindunji pakati pa maakaunti anu osungira ndi ena omwe ali ndi fortiori (LA, LDDS, LEP, ndi zina zotero) kapena kusamutsidwa mwachindunji kuchokera kapena mokomera akaunti yosungira ku malo ena ngakhale anatsegula m'dzina la chosungira chomwecho. Zotsatira zake, pakukhazikitsidwa ngati La Banque Postale, zolipira ndi zochotsa ku Livret A mwa kusamutsa sizikhalanso zaulere popeza yemwe ali ndi Livret akuyenera kukhala ndi akaunti yoyang'anira ku La Banque Postale malinga ndi chindapusa cha kotala.

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Kuwunika kwa njira zina za Livret A

Ndizodziwikiratu kuti Kabuku ka A imatsimikizira kukhala njira yabwino yosungira ndalama chifukwa cha kuphweka kwake komanso chitetezo. Komabe, kwa iwo omwe ali ndi mwayi wosunga ndalama wopitilira 3000 euros, chingakhale chanzeru kulingalira njira zina zopindulira kwinaku mukuyang'ana chitetezo.

Akaunti Yosungira Nyumba (CHOLINGA), mwachitsanzo, ndi njira yotheka. Ngakhale chiwongola dzanja chake chingakhale chotsika kuposa cha Livret A, chimapereka maubwino ena monga mwayi wopeza ngongole yanyumba ndi chiwongola dzanja chambiri pakangosunga nthawi yochepa. Kuphatikiza apo, chiwongola dzanja cha akauntiyi sichimachotsedwa msonkho mpaka chaka chake chachisanu ndi chitatu, chomwe ndi chotalikirapo kuposa cha Livret A.

Koma Kabuku ka Sustainable and Solidarity Development (LDDS), cholinga chake ndi kupereka ndalama zokhazikika kapena mgwirizano. Ndi denga la ma euro 12,000 komanso chiwongola dzanja chofanana ndi cha Livret A, ndi njira yabwino kwa iwo omwe akufuna kuyika ndalama zawo kwinaku akuthandizira zachilengedwe ndi mgwirizano.

Palinso mayankho ena azachuma omwe amapereka ndalama zambiri zobweza ndalama zopitilira 3000 euros, kuphatikiza ma contract a inshuwaransi ya moyo, ma equity investment funds, kapena ma bond. Komabe, zosankhazi zimaphatikizapo chiwopsezo chachikulu ndipo zimafunikira chidziwitso chamsika wazachuma.

Pomaliza, ndikofunikira kuganizira zamunthu payekhapayekha kuti musankhe njira yoyenera yosungira. Chofunikira ndichakuti musamayike mazira anu onse mubasiketi imodzi, ndiye kuti, kusiyanitsa ndalama zanu kuti musamalire bwino ndalama zomwe mwasunga.

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