Ukufumana isixa sogunyaziso lwakho fumanisa, qhagamshela kwindawo yakho yabathengi, kwiphepha elithi "Iakhawunti zam", khetha i-akhawunti onqwenela ukuyazi ugunyaziso kuyo. fumanisa emva koko ucofe iqhosha elithi "Characteristics".
Ukongeza, ndingazifumana phi iziteyitimenti zebhanki ze-Societe Generale? Eyakho ufundo kwaye amaxwebhu abekwe kwindawo yakho yoMthengi phantsi > Abanye > Amaxwebhu > Owam ufundo nomgca. Ifayile nganye ifumaneka ngefomathi yePDF. Injini yokukhangela ikuvumela ukuba ukhangele ixesha leenyanga ezi-3.
Ndiyazi njani isixa se-ovadrafti yam? Imida yogunyaziso lwe fumanisa zichazwe mhlawumbi kwisivumelwano se-akhawunti okanye kwikhontrakthi eyahlukileyo. Oku kukuvumela ukuba uhlawule i-agios ephantsi kunezo zifakwe kwizibonelelo ze-ovadrafti. IKHWredithi IYAKUBOPHA KWAYE KUFUNEKA UBUYISELWE. KHANGELA ISAKHONO sakho sembuyekezo PHAMBI KOKUBA UZIBONELE.
Ndingafikelela njani kwi-ovadrafti? Ngokuxhomekeke kwimeko kunye nemeko yezemali yomxhasi, ukugunyaziswa kwe fumanisa inokunikwa ngokukhawuleza ukuba i-akhawunti ivuliwe, okanye, i-posteriori, ngesicelo esicacileyo sombhalisi. Kuzo zonke iimeko, ivelisa uxwebhu olubhaliweyo oluqulunqa isixa-mali, izinga kunye nemigaqo yokubuyisela.
Ke, Uzifumana njani iingxelo zebhanki ezindala kuneminyaka eyi-10? Kuyenzeka ukucelela ikopi enye ufundo des 10 kwiminyaka edlulileyo. Esi sicelo siza kuthunyelwa kwiNkonzo yethu yabaThengi kwaye sifakwe kwi-invoyisi ngokuhambelana neNcwadana yoMrhumo. Ngaphandle kweli xesha, akunjalo kunye kunokwenzeka ukubauthole ikopi ye ingxelo.
Ndiyifumana njani intengiselwano yebhanki?
Qhagamshela kwindawo yomthengi wakho kwi-cmne.fr kwaye uqalise ukukhangelautyando galela ukufumana utshintshelo, idebhithi ngqo, intlawulo... ngokufaka igama elingundoqo, isihloko okanye imali.
Ibalwa njani i-ovadrafti egunyazisiweyo? Ngokuqhelekileyo baxabisa i-8 ye-euro ngentengiselwano nganye, ukuya kuthi ga kwi-80 ubuninzi be-euro ngenyanga. Ibhanki yakho inelungelo lokwala ukugqitha kwimali yakho I-Ovadrafti ! Inokuthintela iindleko zakho ngokwala iitshekhi zakho kunye nokudluliselwa ngaphandle kwemali.
Indlela yokunyusa i-ovadraft ye-2000 euros? Indlela yokunyusa i-ovadrafti ukusuka 1000 € ukuya 2000 €?
- Thetha nomcebisi wakho webhanki.
- Ikhredithi yokuzalisa a fumanisa ebhankini.
- Thetha kwakhona yakho fumanisa ugunyaziwe
- Yenza isicwangciso sokususwa kwebhanki.
- Yeka ukubhala iitshekhi ezimbi.
- Ngena kugcino lwakho.
- Ukukhupha imali kwi-inshurensi yobomi bakho.
Ngaba kunzulu ukuvezwa ngalo lonke ixesha?
Le fumanisa okungagunyaziswanga kuneziphumo. Okokuqala, ibhanki inokwala nawuphi na umsebenzi. Umxhasi ukwasemngciphekweni wokuhlawula imali yongenelelo ngoncedo lwentengiselwano eyenziwe ngexesha fumanisa.
Ngubani onelungelo kwi-ovadrafti? THE fumanisa ebhankini ngaba droit ? Ugunyaziso oluvela fumanisa ayisi droit. Kuvela kwisivumelwano phakathi komthengi kunye nebhanki yakhe. Ichazwa ngokubanzi kwisivumelwano seakhawunti yakho, kodwa unokuqhagamshelana nesebe lakho okanye ibhanki yakho ukuze (kwaye) uthethathethwane ngesixa okanye ubude bexesha layo.
Ithini imali egunyazisiweyo ye-ovadrafti?
Ngokuqhelekileyo baxabisa i-8 ye-euro ngentengiselwano nganye, ukuya kuthi ga kwi-80 ubuninzi be-euro ngenyanga. Ibhanki yakho Est unelungelo lokwala ukugqithisa kwakho I-Ovadrafti ! Inokuthintela iindleko zakho ngokwala iitshekhi zakho kunye nokudluliselwa ngaphandle kwemali.
Ndizifumana njani iingxelo zeakhawunti endala? Ukuba ulahle eyakho Ancien(s) ingxelo(ii) ze compte, ungacela ikopi kwibhanki yakho ngokuchasene nokubuyiselwa kweendleko ezinxulumene nolu phando. Ibhanki yakho igcina uninzi lwamaxwebhu akho iminyaka emi-5.
Ndizifumana njani iziteyitimenti zebhanki ezidala kuneminyaka emi-5?
I-ingxelo iakhawunti zebhanki
I-Isiteyithimenti sebhanki inokuhlelwa ngefomathi yepdf, oyiprintayo okanye oyigcine kwikhompyuter yakho. Ikwagcinwa simahla kwindawo yokumiswa kwakho zebhanki ixesha elithile 5 ukuya kwi-10 yamaSidon ngokweebhanki.
Ngaba kusemthethweni ukucela ingxelo yeakhawunti yebhanki?
Ewe. Ngaphambi kokunika imali-mboleko, iziko lekhredithi linoxanduva esemthethweni ukujonga ukufaneleka kwakho ngetyala,Esto.t. ukukwazi kwakho ukuhlawula ityala que uyabuza.
Uyifumana njani intlawulo ngekhadi letyala kwi-Intanethi? Ukuba unawo nawaphi na amathandabuzo malunga nenye yeentlawulo zakho, eyona nto ingcono ukuyenza kuqala kukujonga imbali yakho yentengiselwano. Yeyona ndlela ingcono fumana intlawulo ngekhadi letyala. Ukwenza oku, ungangena kwi-intanethi kwindawo yakho yobuqu.
Ndiyifumana njani intlawulo endala? Kuhle ukwazi: ukuba uyafuna ukufumana des iintlawulo ngekhadi letyala, elinokuba phambi kwale nyanga ikhoyo, kuya kufuneka ukhangele kwiziteyitimenti zakho zebhanki, nokuba kwiphepha okanye kwibhanki ye-intanethi.
Ungayibona njani imisebenzi eqhubekayo kwiCredit Agricole?
Kule nto:
- Yiya kuFikelelo loMxumi wakho.
- Khetha iakhawunti oyifunayo.
- Emva koko khetha isihloko esithi "Ibhalansi kunye nembali" kunye nethebhu " Imisebenzi à kuza ".
Ngaba ibhanki inalo ilungelo lokurhoxisa i-ovadrafti yam ngaphandle kwesaziso? I bank inokuphelisa ugunyaziso ifunyenwe ngaphandle kwesaziso xa kukho isizathu esivakalayo, umzekelo, xa kuthe kwagqithiswa fumanisa kugunyaziswe. Emva koko kufuneka inxibelelane nawe ngezizathu zayo, ukuba kuyenzeka, phambi kokupheliswa.
Ithini i-ovadrafti yam egunyazisiweyo?
Ugunyaziso oluvela fumanisa ibhanki ngokuyimfuneko umda ngexesha. Eli xesha liza kuthethathethwana nombhanki wakho. Ukuchaneka: xa i fumanisa idlula i-euro ezingama-200 ngaphezulu kweentsuku ezingama-90, kufuneka iqinisekiswe ngokuzenzekelayo njengetyala lomthengi.
Ngaba itshekhi iyadlula xa sitsalwe ngaphezulu? Ngokungafaniyo nekhadi lebhanki, i uhlole ayikwazi ukusebenza nge fumanisa kugunyaziswe.
Indlela yokuphuma kwi-overdraft yebhanki enkulu?
amagqabantshintshi Phuma kwi i-overdraft ?
- Cela umcebisi wakho ukuba réduire iindleko zakho ze-agios. …
- Sebenzisa ugcino lwakho, ukuba unayo. …
- Funda indlela yokulawula uhlahlo lwabiwo-mali lwakho. …
- Guqula ibhanki. …
- Cela ikhredithi kumcebisi wakho. …
- Ukucela ukubolekwa isixa-mali kwisizalwane. …
- Fumana iikhredithi.
Ungaphila njani ngaphandle kwemali? Yenza ngaphandle
- Awusahlawuleli isithuthi.
- Nciphisa ityala lakho lombane
- Imoto yakho mayilungiswe simahla.
- Fumana ireyithi yentlalo yokubhaliselwa kwakho kwi-intanethi.
- Yitya simahla ngokubamba uncedo lokutya.
- Cela kwangaphambili kwintlawulo yezibonelelo zakho zentlalo (RSA, CAF, izibonelelo zokungaphangeli, njl.)
Indlela yokuphuma kwi-ovadrafti yebhanki?
le fumanisa inokubuyiselwa kwisithuba senyanga enye, edla ngokubizwa ngokuba “yi-ovadrafti okanye isibonelelo semali”: ifuna imvumelwano yangaphambili evela kwiziko lakho, imiqathango nemiqathango ekuthe (imali, ixesha, ukusetyenziswa, imirhumo kunye neqondo lenzala esetyenziswayo) ichazwe kwiakhawunti yakho. isivumelwano.