Likulu anaikidwa pa buluu lalikulu Ayenera kukhala ndi ndalama zosachepera € 6000, adzabwera yekha kudzadyetsa PEL pazaka 4 kapena 8. Pa nthawi yonse ya ndalama, malipiro amatsimikiziridwa polembetsa ndikukhazikika.
Komanso, nthawi yotseka PEL? Kutseka kwa Mtengo wa ELP pakati pa zaka 4 ndi 10
Pambuyo pa zaka 4 za kukhalapo, wopulumutsira akhoza nthawi iliyonse kuchotsa ndalama zake ndikutseka ndondomeko popanda kutaya ubwino womwe amapereka pa chikhalidwe: kutenga ngongole; kusunga ndalamazo mpaka chaka chimodzi popanda kutenga ngongole.
Kodi denga la Livret A ndi chiyani? Chidziwitso: The kabuku kakang'ono A Est yokhazikitsidwa pa €22 ya anthu pawokha ndi €950 ya mabungwe, kupatula kuwerengera chiwongola dzanja chambiri.
Kodi akaunti ya Crédit Agricole securities ndi chiyani? ndi nkhani-sheya Wamba (CTO) Est un nkhani kusiyanitsa katundu wake ndi cholinga chojambulira zochitika zokhudzana ndi zida zachuma (magawo, ma bond, UCITS, etc. French, European kapena international).
Komabe, kodi Cap Découverte Credit Agricole ndi chiyani?
Cape Discovery East Inshuwaransi yambiri yothandizira inshuwalansi ya moyo yoperekedwa ndi Predi's ca (yothandizira inshuwalansi ya moyo wa Crédit Agricole Inshuwaransi) kukulolani kuti mupite ku consul Timaganizira mbiri yanu kuti tifotokoze kugawidwa kwa ndalama zanu pang'onopang'ono. likulu.
Momwe mungatsekere PEL popanda projekiti yogulitsa nyumba?
Kutseka fayilo yanu ya Mtengo wa ELP, zomwe muyenera kuchita ndikufunsira ku banki yanu yotseka. Ngati uku ndikutseka kufunsira ngongole osasunthika, muyenera kungofotokozera kubanki yanu mukapempha ngongole. Chifukwa chake, banki imatha kuwonjezera pa fayilo yanu zopereka za Mtengo wa ELP.
Momwe mungabwezere ndalamazo ku PEL yanu? Kodi ndizotheka kuchotsa ndalama ku a Mtengo wa ELP ? Palibe aliyense Mtengo wa ELP ndi akaunti yosungira yomwe silola kuchotsedwa kwa ndalama zomwe zayikidwa. Ngati mutasankhabe kutero adzachira chomaliza, ndi Mtengo wa ELP zidzatsekedwa zokha.
Mfundo yosunga ELP ndi chiyani? Inde khalani ndi PEL posachedwapa ndi njira yodzitetezera kuti musachepetse chiwongola dzanja china.intérêt, ndi zosiyana ndi mapulani omwe ali ndi zaka zambiri pa wotchi.
Kodi denga la Livret A mu 2022 ndi chiyani?
Monga adalengezedwa ndi Bruno Le Maire pakati pa Januware, kuchuluka kwa Kabuku A Est mawu kuchokera 0,50% mpaka 1,00% pa 1er février 2022. Kuyambira tsiku lino, kwa munthu amene wafika denga, zomwe ndi 22 mayuro (kupatula chiwongola dzanja), phindu limakhala 950 mayuro pachaka, motsutsana ndi 229 mayuro m'mbuyomu.
Momwe mungayikitsire ndalama zanu Livret A itadzaza? Inshuwaransi ya moyo imapereka chiŵerengero chabwino kwambiri cha bata / phindu: yopindulitsa kuposa a buku, ndipo ndizochepa kwambiri kuposa masheya. Kwa nthawi yayitali (zaka 2 zosachepera), ndi chithandizo chabwino kwambiri koti mukhazikike lanu argent.
Kodi denga la Livret A mu 2020 ndi chiyani?
221-2 ya Monetary and Financial Code malire kabuku kakang'ono A pa 22.950 euros. Komabe, pali ziwiri kupatulapo: mayanjano, amene pazipita ndalama Est khalani pa 76.500 euros, ndi mabungwe otsika mtengo a nyumba (HLM) omwe satero sont popanda malire.
Kodi akaunti yachitetezo imagwira ntchito bwanji? Kodi ntchito yake ndi yotani? Iye ntchito chimodzimodzi ndi a nkhani wamba, ndiye kuti, mutha kulipira mu ndalama, mutulukemo. Kusiyana kokha ndiko kuti nkhani Komanso amakhala ndi chuma chazachuma. Ndalama zochokera kuzinthu izi zimasonkhanitsidwa pamenepo.
Momwe mungabwezere ndalama kuchokera ku akaunti yachitetezo?
Pezani ndalama kuchokera ku akaunti-zotetezedwa ndikosavuta: ingopangani kusamutsa kuchokera mthumba la ndalama nkhani-zotetezedwa kwa inu nkhani banki wamba.
Momwe mungabwezere ndalama ku akaunti ya Crédit Agricole securities?
Kuchotsa ndalama (chiwongola dzanja ndi magawo) ndi phindu lalikulu lopangidwa ndi wanu nkhani-zotetezedwa, ndondomekoyi ndi yosavuta. Zowonadi, zopambana zanu zimalipidwa pa nkhani ndalama zolumikizidwa ndi CTO yanu, zomwe mutha kusamutsa mwachindunji kupita kwanu nkhani mtumiki.
Kodi ndingachotse inshuwaransi ya moyo wanga wonse? INDE - Mutha kupanga chiwombolo chochepa kapena chonse (kuchotsa) nthawi iliyonse. Mutha chotsani ndalama zanu inshuwaransi ya moyo zaka 8 zisanachitike komanso pambuyo pake. Ndalama zanu zimapezeka nthawi zonse. Chiwombolo ndi kotheka nthawi iliyonse ngakhale kuyambira chaka choyamba.
Kodi mungatseke bwanji akaunti ya Cap Découverte? Mogwirizana ndi malamulo omwe aperekedwa pankhani ya inshuwaransi ya moyo wanu, muli ndi mwayi wosiya umembala wanu mkati mwa masiku 30 a kalendala yonse kuchokera kumapeto kwa umembala wanu.
Zimatenga nthawi yayitali bwanji kuti mutsegule inshuwaransi ya moyo wanu?
Le zindikirani malamulo kutsegula ndalama, zokhazikitsidwa mwezi umodzi, sizimasungidwa nthawi zonse. Fayiloyo ikamalizidwa, inshuwaransi mwalamulo imakhala ndi mwezi umodzi Kuti mutsegule likulu (ndi cheke kapena kusamutsa banki).
Ndi chikalata chotani chotseka PEL? chifukwa tsekani yanu Mtengo wa ELP, muyenera kungopempha de mpanda pafupi de banki yanu. Ngati ndi mpanda kutsanulira kufunsira ngongole yanyumba, zomwe muyenera kuchita ndi de tchulani izi ku banki yanu nthawi de pempho lanu de okonzeka. Chifukwa chake, banki imatha kuwonjezera pazanu dossier chopereka cha Mtengo wa ELP.
Kodi PEL imaperekedwa liti?
Dongosololi likakhala ndi nthawi yopitilira zaka 12, chiwongola dzanja chimapangidwa chaka chilichonse (kupitilira 12) okhomeredwa msonkho ku msonkho wa ndalama.
Kodi PEL ikukwera bwanji patatha zaka 10? Dongosolo "lotha ntchito"li likupitilira kubweretsa chidwi, mlingo 2,50% yokwanira pamapulani onse omwe akukondwerera masiku ano 10 Turo, monga momwe zinalili kwa Anna ndi Patricia. Za Patricia- Mtengo wa ELP kufika ku 10 Turo mu Epulo 2021 - gawo lodikirira ili ndi 5 yokha nto.