Il Ngoko ke kucetyiswa ukuba wenze iintlawulo nge-15 okanye i-30 yenyanga kunye nokuhoxiswa kwi-1st okanye i-16 yenyanga. Ekupheleni konyaka ngamnye, ngoDisemba 31, inzala yonyaka yongezwa kwikomkhulu. Kuphela ukuhlaziywa kwakhona kwenzala kunokunyusa ixabiso le incwadi ngaphezulu kwe-22.950 euros.
Ngaphezu koko, yintoni inqaku lokugcina i-CEL? i INJONGO ingakuvumela ukuba ufumane imali mboleko yendlu ngexabiso elikhethekileyo. Kuyimfuneko ukuba loo mboleko yenzelwe ukuxhaswa ngemali kwendawo yokuhlala enqununu okanye ukuthengwa kwezabelo ze-SCPI (iinkampani zoluntu zotyalo-mali lwezindlu) kunye nobizo lokuhlala.
Uyikhupha nini imali kwiLivret A? Ngokuphathelele umhla apho ukukhupha imali kwi-passbook A, kungcono ukulinda kude kube ngumhla woku-1 okanye owe-16 wale nyanga ikhoyo. Ngokwenene, xa kunjalo yokuyeka yenxalenye yeArgent nge-30, 31st okanye 15th enyangeni, inzala eveliswe kwiveki ezimbini ezidlulileyo ilahlekile.
Xa ufaka imali kwi-Livret A? Ngoko ke kukhethwa ukwenza: iintlawulo nge-15 okanye i-30 yenyanga; ukuhoxiswa kwi-1st okanye i-16 yenyanga ukuze ungalahlekelwa ngumdla kwiiveki ezimbini. Kuhle ukwazi: ukusetyenziswa kwamakhadi okurhoxisa anikezelwe ne iincwadana ugcino luhlala lunesiphumo sokunciphisa inzala ibe yi-nul.
Nangona kunjalo, yeyiphi imali encinci ekufuneka siyishiye kwi-Livret A?
Idiphozithi ubuncinane kuthulula un incwadi Izixa ukuya kwi-10 yee-euro phantse kuwo onke amaziko ebhanki eFransi. Akunakwenzeka ukufaka isixa esincinci kwiakhawunti yakhe yokonga. Nangona kunjalo, kunokwenzeka ukwenza iidiphozithi ngemali, ngokutshintshela ibhanki okanye ngetshekhi.
Lingakanani ixesha le-CEL?
ubude du INJONGO
Umnini we-a INJONGO hayi 'Est akukho phantsi kwe-a ubude ukubamba ubuncinane, okanye ukuya ku a ubude ubuninzi. Ngakolunye uhlangothi, ukuba ube nelungelo lokubolekwa imali yokulondoloza indlu, imimiselo ifuna ukuba i-akhawunti ibanjwe ubuncinane kwiinyanga ze-18.
Yintoni umahluko phakathi kwe-PEL kunye ne-CEL? I umahluko kukuba isigaba sokugcina singaphezulu okanye ngaphantsi ubude ukusuka kwenye imveliso ukuya kwenye. Ngokwenene, kuba INJONGO kufuneka ubuncinane iinyanga ezili-18, kanti kwi- I-PEL, isigaba sokulondoloza ubuncinci beminyaka emi-4.
Yeyiphi imali encinci kwi-CEL? Ibhalansi Ncinane ilungiswe kwi-a INJONGO iyalingana ne isixa yediphozithi yokuqala, oko kukuthi 300 euro. Umqathango wokugcina le akhawunti yokonga akukutsali ngaphantsi kwesi sixa-mali.
Uyikhupha njani imali kwiLivret A?
Unako ukukhupha imali yakho Incwadana Imali ezinkozo eposini, ngokutshintshelwa kanye okanye ngekhadi ledebhithi yokuyeka simahla ezinxulumene ne Incwadana A. Iimpawu zokurhoxa kwi Incwadana A zezi zilandelayo: € 10 ubuncinane (€1,50 yokuvula e La Banque Postale) nge yokuyeka.
Uyifumana njani imali kwiLivret A? Ukurhoxiswa kweArgent kwi incwadi I-A isimahla kwaye inokuqhutywa nanini na umlondolozi efuna, kungekho mda wexesha lokwenyani. Lo mva unokufikelela okungenamkhawulo kwi-akhawunti yakhe kunye neemali zakhe, ngaphandle kokucela isigunyaziso esikhethekileyo kwiziko lebhanki elibamba i-akhawunti. incwadi A.
Uyisebenzisa njani iLivret A yakho ngokuchanekileyo?
engcono ke ngoko kufanelekile, xa sinokhetho, ukurhoxa unyana imali ngomhla we-16. Ngokuchaseneyo, intlawulo ngomhla we-2 iya kuqala ukufumana inzala kwisiqingatha sesibini senyanga. Kukhethwa ukuba wenze idiphozithi nge-30 okanye nge-31st ukwandisa isivuno incwadana yakhe A.
Iyakuba yintoni ireyithi yencwadana A ngo-2022? Njengoko kubhengezwe nguBruno Le Maire phakathi kuJanuwari, i Ireyithi yencwadana I-A inyuswe ukusuka kwi-0,50% ukuya kwi-1,00% kwi-1er uFebruwari 2022. Ukusukela kulo mhla, kumntu ofikelele kwisilingi, oko kukuthi i-euro ezingama-22 (ngaphandle kwenzala), inzuzo ifikelela kuma-euro angama-950 ngonyaka, ngokuchasene ne-euro eyi-229 ngaphambili.
Yeyiphi eyona mali iphezulu kwiLivret A?
Les malunga inzala yemveliso ediphozithiweyo ukuba ibekwe kwiiveki ezimbini ezipheleleyo. NgoDisemba 31 wonyaka ngamnye, inzala eqokelelwa enyakeni yongezwa kwikomkhulu. Ukongeza inzala nge-31 kaDisemba kunokunyusa ixabiso le incwadi phezu €22.
Yeyiphi imali ephezulu kwiLivret A?
Isilingi ye incwadi I-A imiselwe kwi-€22 yabantu kunye ne-950 ye-euro yemibutho, ngaphandle kokubalwa kwenzala eyinkunzi.
Yintoni isilingi yeLivret A ngo-2022? Njengoko kubhengezwe nguBruno Le Maire phakathi kuJanuwari, izinga Incwadana A Est Ingxelo esuka kwi-0,50% ukuya kwi-1,00% kwi-1er uFebruwari 2022. Ukususela kulo mhla, kumntu ofikelele kwi- plafond, ezizezi 22 euro (ngaphandle kwenzala), inzuzo isixa 950 euro ngonyaka, ngokuchasene 229 euro ngaphambili.
Yeyiphi eyona mali iphezulu kwiLivret A? i plafond iidiphozithi kwi Incwadana I-A ilinganiselwe kwi-22 ye-euro kubantu ukususela nge-950 kaJanuwari 1, kunye ne-2013 ye-euro kumaqumrhu abucala angenzi nzuzo (imibutho).
Yeyiphi eyona mali iphezulu ye-CEL?
Isilingi ye CEL yiyo ibekwe kwi-euro eyi-15. Ngamanye amazwi, i isixa esiphezulu enokugalelwa phezu kwe-a CEL yiyo of 15 euro, kodwa capitalisation umdla unokuzisa isixa ibhaliswe kwi INJONGO ngaphaya kwalo mda.
Ithini ireyithi yeCEL ngo-2022? VS'Est oku kuyafana izinga ukusuka apho abanini a INJONGO ivulwe ngaphambi komhla we-1 kaJanuwari 2018. I-akhawunti ezaliswe ukuya kutsho kwisilingi ye-15.300 ye-euro iya kuvelisa, ngo. 2022, I-95 ye-euro yenzuzo eshiyekileyo (i-81 euro ukuba ibekwe kwirhafu ephantsi).
Yiyiphi imisebenzi exhaswa ngemali nge-CEL?
I-Travaux ixhaswa ngemali mboleko INJONGO :
- ukulungiswa, ukufumana, ukwandiswa okanye ukwakhiwa (ukukhulisa, ukwandiswa, njl.njl.) kwepropati entsha (okanye ipropati endala kuphela njengendawo yokuhlala engundoqo),
- des iyasebenza ii-classics eziphambili (ukubuyiselwa kwe-façade, ukuhlaziywa kophahla, njl.),
Yintoni inzuzo ye-CEL? i INJONGO inika umdla ngakumbi xa usazi ukuba uRhulumente ukunika ibhonasi, isixa serhafu, ngokulingana nenzala oyifumene kwiakhawunti yakho. Le premium ayidluli kwi-1 euro kuyo nayiphi na imeko. Okunye CEL inzuzo, ukhululekile ukwabela ilungu losapho lwakho ngamalungelo akho mboleko-mboleko.
Yintoni isilingi seCEL?
Le I-CEL isilingi ibekwe kwi-euro eyi-15. Ngamanye amazwi, ubuninzi bemali enokuthi ihlawulwe kwi-a CEL yiyo of 15 euro, kodwa capitalisation umdla unokuzisa imali efakiweyo kwi INJONGO ngaphaya kwalo mda.
Loluphi olona tyalo-mali lunengeniso? Iakhawunti ukuba izisa uninzi umdla yincwadana yeukonga ethandwayo (LEP). Ngoku unomvuzo oyi-1,25% ngonyaka. I-LEP igcinelwe abantu abanemivuzo ephantsi.