Kutheni ungagqithi kwii-euro ezingama-3000 kwi-Livret A yakho? Nali isixa esifanelekileyo sokugcina!

Ngaba wakha wazibuza ukuba kutheni akufanele ulondoloze ngaphezulu kwe-3000 yee-euro kwi-Livret A yakho ? Kweli nqaku, siza kuphonononga ukuba kutheni ukudlula kwesi sixa kunokuba luncedo. Siza kuxoxa kwakhona ngexabiso elifanelekileyo onokuthi ulibambe kwi-Livret A yakho. Ke, hlala nathi ukuze ufumanise ukuba kutheni kubalulekile ukufumana ibhalansi phakathi kogcino notyalo-mali.

Kutheni le nto i-Livret A ingadluli kwi-3000 Euros?

Ngokuzingca ngegama " ukumkani wotyalo-mali olukhuselekileyo » kwinkcubeko yezemali yesiFrentshi, i Incwadana kudla ngokuba lukhetho lokuqala kwabo banqwenela ukufuna ukhuseleko lwemali.

Nangona kunjalo, umdla omkhulu wesi sixhobo sogcino kufuneka uthintelwe ngokugcina iidiphozithi kubuninzi obungokomfuziselo be-3000 euros.

Eli nani, elisenokubonakala lingekho ngqiqweni ekuqaleni, libalwa ngocoselelo ngokwenene. Emva kwesi sithintelo kukho uluhlu lweziphumo zerhafu ezinxulumene nokusetyenziswa kweLivret A.

Iziphumo zerhafu zokuzalisa i-Livret A yakho ukuya kumda wayo omkhulu

Umtsalane weLivret A ulele kwisithembiso sokhuseleko ekungaphumeleli kwebhanki, kunye nenzala enomtsalane. Ngaphandle koku, ukufikelela kwidome ye-3000 ye-euro kule akhawunti kunokuba nefuthe elibi. Ukuhamba ngaphaya komda wephupha le-22,950 euros kunye nokuqhubeka nokuhlawula imali kuyo, kunokubangela ukusabela kwerhafu ye-12% kwisixa esiphuphumayo. Inqaku elinokuthi lijongele phantsi iinzuzo zemali ezifunwa kakhulu.

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Iindlela ezizezinye zokutyala imali ngaphandle komngcipheko wezohlwayo zerhafu

Nangona kunjalo, kukho ezinye iindlela eziluncedo, ngaphandle komngcipheko wezohlwayo zerhafu. Incwadana yophuhliso oluzinzileyo kunye nomanyano (LDDS) kunye nesicwangciso sogcino lwezindlu (I-PEL) zizixhobo zogcino ezilawulwayo ezibonelela ngenzala efana neLivret A, kodwa zivumele umthamo omkhulu wedipozithi.

Iimveliso zezemali eziyinkimbinkimbi ezifana nezitokhwe okanye iibhondi zinokunika imbuyekezo ephezulu, nangona umngcipheko kunye nokulawulwa kweemarike zezemali ezihamba nazo.

Ingcebiso yam ? Yenza uhlalutyo olupheleleyo lwemeko yakho yezemali phambi kokuba ufumanise ukuba ungayityala phi kwaye njani imali yakho.

Khumbula ukuba i-Livret A sisisombululo sokulondoloza ixesha elifutshane kwaye kukho ezinye iindlela zotyalo-mali olukhulu, lwexesha elide.

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Leliphi elona xabiso lifanelekileyo onokuthi ulibambe kwiLivret A?

I-Livret A, le mveliso yezemali yesiFrentshi ethandwa ngabagcini, ngokuqinisekileyo inobuhle bayo. Ukulula kwayo, ukuthembeka kunye nokufumaneka ngokukhawuleza kwenza kube yinto ekhethwayo kwingxowa-mali engxamisekileyo. Nangona kunjalo, ukukwazi kwayo ukuvelisa imbuyekezo ebalulekileyo kulinganiselwe, ngoko ke isincomo sokuba singabambi ngaphezu kwe-3000 euros.

Kodwa ke, leliphi inani elifanelekileyo lokubeka kwi-Livret A?

Ukuphendula lo mbuzo, kufuneka uqale ucinge malunga nokuba kutheni ugcina. I-Livret A yenzelwe ukuba ibe sisisombululo sokulondoloza ixesha elifutshane. Injongo yalo ephambili kukubonelela nge-cushion yemali kwiindleko ezingalindelekanga okanye iindleko ezingxamisekileyo. Ke, njengomgaqo jikelele, ibhalansi ukuya kuthi ga kwi-3000 euros idla ngokucetyiswa. Lo ngumvuzo wenyanga kwaye kufuneka wanele ukuhlawula ezi ndleko kwaye uphephe imirhumo ye-ovadraft yebhanki.

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Indima yokunyuka kwamaxabiso ekukhetheni idiphozithi

Ukunyuka kwamaxabiso ezinto, eso siphoso sabagcini-mali, sidlala indima engundoqo ekumiseleni isixa-mali esiza kufakwa kwi-Livret A. Ngaphandle kokunyuka kwamva nje kwizinga lenzala ye-Livret A ukuya kwi-2%, akusayi kuphumelela ukulinganisa izinga lokunyuka kwamaxabiso elilindelekileyo. Isi-5 ukuya kwisi-6% kulo nyaka.

Ezinye iindlela ezinengeniso ngakumbi kuneLivret A

Ngethamsanqa, akukho Livret A kuphela yokutyala imali yakho. Ezinye iindlela zotyalo-mali ezifana ne-akhawunti yokonga imali yezindlu okanye i-akhawunti yokonga yophuhliso oluzinzileyo inokubonelela ngembuyekezo engcono ngeli lixa inciphisa ilahleko yamandla okuthenga ngenxa yokunyuka kwamaxabiso.

Ekugqibeleni, isixa esifanelekileyo sokubeka kwi-Livret A yakho sixhomekeke kwiimfuno zakho zobuqu, ukunyamezela kwakho umngcipheko kunye neenjongo zakho zemali zexesha elide. Ukwahluka kunye nocwangciso lwezemali ngawona magama aphambili kulawulo olusebenzayo lokonga.

Iimpawu zencwadana A:

• Inye kuphela incwadana emntwini, umntu omdala okanye omncinci. Nangona kunjalo, ukubanjwa kwangaxeshanye kwencwadana A kunye nencwadana eBlue zombini zivulwe ngaphambi ko-1^er NgoSeptemba 1979 (umhla wokungena kunyanzeliso lomyalelo no.^o 79-730 ka-Agasti 30, 1979 esuse olu khetho) ihlala inokwenzeka. Eli lungiselelo alizange libizwe kumbuzo ngumthetho n^o 2008-776 ka-Agasti 4, 2008 malunga nokuphuculwa koqoqosho. Ukusukela namhlanje, nge-11 ka-Agasti, 2010, ngoko ke kunokwenzeka ukuba abantu ababephethe incwadana (evulwe eLa Poste okanye kwiBhanki yoLondolozo) kunye nencwadana eBlue evulwe eCredit Mutuel ukuba bazigcine (ngaphandle kokuzidlulisela) ezi ncwadana zimbini.
• Ubuncinci bentlawulo ekuvulweni: €10 (€1,5 yencwadana eLa Banque Postale)
• Intlawulo yenyanga: ayisebenzi (iintlawulo zasimahla),
• Iintlawulo kunye nokurhoxiswa: ngo-2021 ummiselo omdala, ongahambelaniyo uye waziswa ngoku, iintlawulo kunye nokurhoxiswa kufuneka ngoku kudlule kwi-akhawunti yokutshekisha yomnini ofanayo ovulwe kwisiseko esifanayo. Ngoko ke akusenako ukwenza utshintshiselwano ngokuthe ngqo phakathi kwee-akhawunti zogcino-mali kunye ne-fortiori yabanye abanini (i-LA, i-LDDS, i-LEP, njl. njl.) okanye ukwenza udluliselo oluthe ngqo ukusuka okanye ngokuxhasa i-akhawunti etshekishwayo kwelinye iziko nokuba kunjalo. ivulwe ngegama lesibambi esinye. Ngenxa yoko, kwisiseko esifana ne-La Banque Postale, iintlawulo kunye nokuhoxiswa kwi-Livret A ngokugqithiselwa akusekho simahla kuba umnini we-Livret kufuneka abe ne-akhawunti yokutshekisha eLa Banque Postale ngokuxhomekeke kwimirhumo enyanzelekileyo yekota.

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Uvavanyo lwezinye iindlela kwiLivret A

Kucacile ukuba Incwadana A ibonakalisa ukuba lukhetho logcino olunomtsalane ngenxa yokulula kunye nokhuseleko. Nangona kunjalo, kwabo banamandla okugcina imali engaphezu kwe-3000 yee-euro, kuya kuba bubulumko ukuqwalasela ezinye iindlela ezinokuba nengeniso ngakumbi ngelixa ujonge ukhuseleko.

Iakhawunti yogcino lwaseKhaya (INJONGO), umzekelo, lukhetho olusebenzayo. Nangona umlinganiselo wenzala unokuba ngaphantsi kunalowo we-Livret A, inika ezinye iingenelo ezinjengokufumana imali-mboleko yepropati ngexabiso lenzala elikhethekileyo emva kwexesha lokonga elincinane. Ukongeza, inzala kule akhawunti ayihlawuliswa irhafu kude kube ngunyaka wayo wesibhozo, ixesha elide kuneLivret A.

Ngoku Incwadana yoPhuhliso oluZinzileyo kunye noBumbano (I-LDDS), ijolise ngokukodwa ekuxhaseni ngemali iiprojekthi ezizinzileyo okanye zomanyano. Ngophango lwe-12,000 yee-euro kunye nenqanaba lenzala elifana nele-Livret A, lukhetho olunomtsalane kwabo bajonge ukutyala imali yabo ngelixa bexhasa oonobangela bendalo kunye nomanyano.

Kukho nezinye izisombululo zemali ezinikezela ngembuyekezo ephezulu yogcino olungaphezulu kwe-3000 euro, kubandakanywa izivumelwano ze-inshorensi yobomi, iimali zotyalo-mali olulinganayo, okanye iibhondi. Nangona kunjalo, ezi zikhetho zibandakanya umgangatho ophezulu womngcipheko kwaye zifuna ulwazi oluthile lweemarike zemali.

Okokugqibela, kubalulekile ukuthathela ingqalelo iinkcukacha zomntu ngamnye ukukhetha eyona ndlela ifanelekileyo yokonga. Into ebalulekileyo kukuba ungaze ubeke onke amaqanda akho kwibhaskithi enye, oko kukuthi, ukwahlula-hlula utyalo-mali lwakho ukuze ulawule ngcono ukonga kwakho.

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