Choletsa choyamba muyenera kuganizira musanayese chotsani ndalama zambiri liquide ndiye kuti khadi lanu latsekedwa. Izi zikutanthauza kuti, pa kirediti kadi iliyonse, banki yanu imakhazikitsa siling (ndalama zambiri) zomwe simungathe kupitilira masiku 7 kapena 30.
Mwa njira, momwe mungatengere ndalama zambiri ku banki? Za chotsani ndalama liquide pa kauntala, zonse zomwe mukuyenera kuchita ndikusayina a achire mobwereza. Kusayina kwa cheke. Kapenanso, mutha kusaina cheke cholipiridwa kwa banki kapena kuyitanitsa kwanu, bola ngati mutatsatira malire a denga lomwe a banki.
Ndi ndalama zingati zomwe zingatengedwe ku banki? zimene ndi ndalama pazipita kuti ife akhoza kuchoka pa counter yake banki ? Denga la achire pa kauntala a banki imakhazikika nthawi zambiri mu mgwirizano wanu banki. Siling iyi imazungulira makamaka ma euro 1000, kaya ndi pa kontena ya banki kapena makina ogulitsira.
Kodi ndimachotsa bwanji ndalama zonse ku akaunti? M'nthambi zina za banki, ngati muli ndi a nkhani banki kapena ndalama, mukhoza chotsani ndalama pa kauntala motsutsana ndi kupereka fomu. Zomalizazi zikuphatikizapo maumboni a nkhani kubwezedwa ngongole. Iyenera kusainidwa ndikutsagana ndi chiphaso.
Komabe, ndi ndalama zingati zomwe zingachotsedwe?
Ambiri, kuchotsa pazipita kwa wogawa amazungulira pakati pa 500 ndi 1 mayuro / sabata. Komabe, makhadi ena aku banki (makamaka Platinum, Visa Infinite kapena Mastercard Elite makadi) amalola kuti malirewo adutse ndipo chotsani oposa 2 mayuro (ndi mpaka 000 mayuro) pa sabata.
Momwe mungalungamitsire kuchotsedwa kwakukulu kwa ndalama?
Nthawi zonse malamulo aku France amakakamiza makasitomala dbanki pa kulungamitsa un kuchotsedwa kwa'argent ndalama, mosasamala kanthu za kuchuluka kwake. Choncho ndinu omasuka mwangwiro chotsani ndalama (kaya pa ATM kapena kubanki yanu) popanda kupereka umboni.
Momwe mungachotsere 2500 euros? Muyeneranso kudziwa kuti mabanki ambiri amakulolani kutero chotsani pa kauntala ya bungwe lanu, mwapadera, mpaka €2/tsiku. Ngati simuli mwachangu, mutha kubweranso kangapo motsatana kunthambi yanu ya banki ndi chotsani € 2 tsiku lililonse.
Momwe mungachotsere ma euro opitilira 3000 kubanki? Mungathe kuchita izi mkati mwa malire a ndalama zomwe zilipo pa khadi lanu banki. Izi zikutanthauza kuti ngati muli ndi kapu ya 3 000 euros pamwezi, simungathe palibenso kuchotsa. Chonde dziwani: zolipira zomwe zaperekedwa kale ziyenera kuganiziridwanso, zomwe zimachepetsanso denga ili.
Umboni wotani wochotsa ndalama?
Palibe lamulo mulamulo lofuna kuti munthu apereke a umboni ngati achire ndalama. Wogula ndi waulere chotsani mwana argent M'kati mwa malire a denga lovomerezeka ndi mgwirizano wa kirediti kadi, zonsezo popanda kudzilungamitsa.
Kodi kasitomala akafunsa banki yake kuti itenge ndalama zambiri, banki iyenera kuchita chiyani? Njira ina yoti mukhale ndi ma euro 15.000 ndikudziwitsani banki, osachepera maola 48 pakufuna kwanu chotsani yofunika ndalama siliva. Izi zimachitika pakagwa mwadzidzidzi komanso malinga ndi kupezeka kwa ndalama zomwe zilipo mu bungweli.
Kodi ndingachotse zingati popanda umboni?
Wogula ndi waulere chotsani ndalama zake mkati mwa malire a denga lololedwa ndi mgwirizano wake wa kirediti kadi, zonse sans ayenera kudzilungamitsa okha. Kuchotsa nthawi zambiri kumakhala pakati pa 500 ndi 1.500 euros patsiku ndi sabata.
Momwe mungachotsere ndalama zambiri ku positi ofesi? Wogulitsa adzakufunsani kuti mudzaze cheke ku oda yanu kapena ku dongosolo la Banki ya positi, ndi ndalama zomwe zachotsedwa ku akaunti yanu. Kenako, zotsalira za achire zilipo ku bungweli. Pa chikalata, kusamutsa ndi ndalama zomwe mukufuna chotsani. Ndi kusainanso mobwereza.
Momwe mungachotsere € 4.500?
4500 € nthawi zina zimayimira kayendetsedwe ka ndalama zatsiku ndi tsiku za bungwe laling'ono. Ngati kasitomala woyamba atenga 4500 € enawo sadzatumikiridwa. Choncho ndemanga kupita? funsani banki yanu kuti zimatenga nthawi yayitali bwanji kuti mupeze ndalama zomwe mukufuna chotsani.
Kodi ndizotheka kuchotsa € 15?
Kupatula omwe amagawa mabanki omwe atchulidwa pamwambapa, muyezo ndikuti ndalama zochepera zomwe zaloledwa kuchotsa ndi 20 €. Malinga ndi Banque de France, 20 € chingakhale chipembedzo chogwiritsidwa ntchito kwambiri ku France, chisanafike cha 50 € ndipo makamaka patsogolo pa ma banknotes a 5 ndi 10 €.
Kodi kuchotsa kwakukulu komwe kungapangidwe kwa wogawa kapena kunthambi ndi chiyani? Ndi chilolezo chokhazikika: denga lili pakati pa 300 ndi 800 € pa sabata. Zakale: Visa Classic kapena CB MasterCard mtundu, madenga ali pakati pa €300 ndi €1 umafunika: Gold MasterCard kapena Visa Premier mtundu, ndiye inu mukhoza chotsani pakati pa €800 ndi €2
Kodi ndingachotse ma euro 1000 ku ATM? Ndiye tingapange bwanji chotsani mu cash pa wogawa ? Monga lamulo, simungathe chotsani pakati pa 300 ndi 500 okha mayuro pa ntchito. Kupitilira apo, sikutheka kutero chotsani ndalama zomwe mukufuna.
Ndi ndalama zingati zomwe mungachotse ku Livret A yanu ku La Poste?
Ndalama ku ofesi ya positi : Mutha chotsani mpaka ndalama zanu zonse(3) muofesi yanu positi ndi mpaka € 800 pa nthawi ya masiku 7 oyendetsa maofesi ena (12 ku France).
Momwe mungatengere ndalama popanda khadi la La Banque Postale? Ayi Banki ya positi pafupi, kapena sichikutsegula? Pali njira imodzi yokha yothetsera kuchotsa ndalama popanda khadi ndi a banki kupatula Banki ya positi : Gwirani cheke chosadutsa. Kenako muyenera kupita ku bungwe loyang'anira banki wa wopereka cheke.
Momwe mungatulutsire ndalama zambiri ku akaunti ya nickel?
Kodi ndingathe chotsani kusintha kwina?
- Inde mungathe chotsani ndalama ndi khadi lanu faifi tambala classic kapena khadi lanu faifi tambala Chrome Pamalo Ogulitsa faifi tambala .
- Wosuta fodya akuyenera kukupatsirani risiti.
Momwe mungatengere ndalama popanda kirediti kadi? Za chotsani ndalama wopanda khadi ndipo ngati muli ndi akaunti, njira yosavuta ndiyo kupita ku banki yanu ngati ili ndi ndalama. Pandalama zilizonse zopitilira 1.500 mayuro, kasitomala ayenera kudziwitsa kukhazikitsidwa maola 24 pasadakhale.
Momwe mungachotsere ndalama zopitilira 2000 euros?
Muyeneranso kudziwa kuti mabanki ambiri amakulolani kutero chotsani pa kauntala ya nthambi yanu, mwapadera, mpaka 2 000 €/tsiku. Ngati simuli yanga mwadzidzidzi, mungathenso kubwera kangapo motsatana ku nthambi yanu ya banki ndi chotsani tsiku lililonse 2 000 €.
Momwe mungachotsere akaunti yanu yaku banki? Woyang'anirayo ayenera kutumiza kalata yotseka nkhani kuti akhazikitse pempho lake. Ndondomekoyi ikugwira ntchito kwa onse mabanki, kuti inu nkhani kumangidwa kapena ku Bank positi, pa Bank Wotchuka, ku Credit Agricole, ku BNP, ndi zina.
Kodi ndingapeze kuti € 10 yokha?
Choyamba, dziwani kuti mabanki ena amalola makasitomala awo kutero chotsani tikiti imodzi 10 ma euro m'ma ATM awo. Banque Postale ndi Société Générale amapereka chithandizochi, monganso Banque Populaire, akutero Torofino. Komabe, izi sizingatheke mu interbank.
Kodi ndizotheka kuchotsa € 10? Monga momwe tsamba la Panorabanques likulongosolera, mabungwe ochepa amalola kuchotsedwa kokha 10 ma euro: Banque Postale, Société Générale kapena Crédit Agricole Center Est.
Kodi ndizotheka kuchotsa € 5?
Funso Est zosavuta, zilipo-t-il mabanki momwe mungathere kutenga 5 € pa makina a tikiti? Inde, ma ATM ena amapereka mabanki m'zipembedzo za 5 €, ngakhale ambiri amakhutira ndi zolemba 10€ monga odulidwa osachepera.