IIMPAWU EZITHILE
| I-PEL | INJONGO | |
|---|---|---|
| I-Plafond iidiphozithi | €61 ngaphandle kwenzala | €15 ngaphandle kwenzala |
| ubude | Ubuncinane: iminyaka emi-4 Ubuninzi: iminyaka eyi-15 * | Unlimited |
| Umvuzo opheleleyo | - 1% ** - 0,25% *** ngalo naluphi na ukuvalwa kwesicwangciso phambi kweenyanga ezingama-24 | 0,25% *** |
Ngaphezu koko, yintoni inqaku le-CEL? Le ixabiso'intérêt du INJONGO, ngaphandle kwebhonasi yeSizwe, Est nge-0,75%. I umdla du I-CEL zinjalo I-capitalizable: nge-31 kaDisemba wonyaka ngamnye, zongezwa kwi-saving capital kwaye babe ngabavelisiumdla ezongezelelweyo.
Loluphi olona tyalo-mali lwetyala kwezolimo? Izisombululo ezi-4 zokutyala imali yakho ngaphandle komngcipheko
- IINCWADI. Beka phambili ugxininiso kwiincwadana ezilawulwayo, ezinjengeNcwadana okanye uphuhliso oluzinzileyo kunye nencwadana yomanyano (LDDS). ...
- ISICWANGCISO SOKONGA IZINDLU. ...
- IZIBONELELO ZOKUQINISEKISA NGOBOMI KWI-EUROS. ...
- IZABELO ZOLUNTU.
Ungayityala phi imali yakho ngo-2021 iCredit Agricole? Isidingo sexesha elinye semali: iincwadi zokugcina imali ezilawulwayo, ii-akhawunti zexesha okanye iSicwangciso soSavings Housing. Utyalo-mali kumhlaba nezindlu: iSicwangciso soLondolozo lweNdlu okanye iAkhawunti yokonga iNdlu. Yenze ichume unyana ii-asethi: i-inshorensi yobomi, i-Equity Savings Plan, i-akhawunti yesibambiso sesiqhelo.
Nangona kunjalo, yintoni isilingi ye-CEL?
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.
Ithini ireyithi ye-LDD kwiCredit Agricole?
Ireyithi umvuzo
Iimali ezibekwe kwi-LDDS sont ihlawulwe nge izinga 1% ngonyaka (2). Imidla sont yenziwe inkunzi kwaye ihlawulwe nge-31 kaDisemba kunyaka ngamnye.
Yintoni isilingi yeCEL ngo-2021? Umrhumi we-a INJONGO kufuneka ahlawule ubuncinci be-€300 ekuvuleni. Isixa sezinye iintlawulo Est simahla, kunye nobuncinci be-75 € ngonyaka kwaye ukuya kuthi ga kumda we-15.
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.
Ithini ireyithi yeCEL ngo-2022?
Le Ireyithi ye-CEL yi kugqitywe ngurhulumente. Inokuhlaziywa kabini ngonyaka (ngoFebruwari 2 kunye no-Agasti 1) ngokwesiseko se-1/2 izinga yeLivret A, isondezwe kwindawo ekufutshane ye-1/4 point. Ukususela nge-1 kaFebruwari 2022, le izinga umvuzo we CEL yiyo ye-0,75% ngonyaka.
Ngubani oza neyona ncwadana i-A okanye i-LDD? Itheyibhile yokuthelekisa phakathi kwe-Livret A kunye ne-LDDS
| Umahluko phakathi kwe Incwadana A kunye ne Incwadana yophuhliso oluzinzileyo noluqukayo (LDDS) | |
|---|---|
| Ireyithi yokubala indlela | Ukuthathela ingqalelo ireyithi kunye phezulu: 1 = (umyinge we-Eonia wesiqingatha sonyaka + isiqingatha sonyaka wokunyuka kwamaxabiso ngaphandle kwecuba)/2 2 = umgangatho womgangatho we-0,50% |
Matshi 2, 2022
Lithini izinga le-LDD ngo-2021?
Le izinga ye-0,50% isebenza kwi-LDDS ukususela ngoFebruwari 1, 2020; iye yagcinwa: ukususela nge-1 ka-Agasti 2021. ngoFebruwari 1 2021.
Yeyiphi incwadana eyeyona ngeniso yeCredit Agricole? Ukuba uyahlangabezana nale meko, i-LEP ikunika imbuyekezo engcono xa kuthelekiswa nezinye iincwadana. Imali yakho ke ikufumana i-2.20% ngonyaka (ixabiso elipheleleyo lonyaka le-1 er NgoFebruwari 2022, ixhomekeke kutshintsho kwaye ihlaziywe ngamaxesha athile ngabasemagunyeni bakarhulumente).
Yintoni umgangatho we-CEL?
Le umgangatho du CEL yiyo I-euro ezingama-300.
Lo bubuncinci obusemthethweni: xa kwenzeka ukuhoxiswa okubangela ukuba ukugcinwa kuwele ngaphantsi kweli bhalansi, ibhanki iya kufuneka ivale i-akhawunti. Ukuba unqwenela ukuvula iakhawunti yakho yokonga, kuya kufuneka ke ngoko wenze intlawulo encinci yesi sixa.
Yeyiphi incwadana ezisa eyona Crédit Mutuel?
Namhlanje a incwadi au Ityala elinye ne fumana ngaphezulu 4%. Lo mlinganiselo waba sisivuno se incwadi A ngeminyaka yoo-1980. Ngoku, yintoni izisa uninzi yi-PEL (iSicwangciso soLondolozo lweNdlu), kuphela kufuneka igcinwe injalo isithuba seminyaka emi-4 kwaye kukho ukhutshelo rhoqo olwenziwayo.
Ngaba kunomdla ukuvula i-CEL? Ikhoyo kwindawo yokonga ixesha elide, iakhawunti yokonga imali (okanye INJONGO) kuvela ukuba uninzi intéressant kubantu abaneprojekthi yezindlu ngexesha elifutshane okanye eliphakathi, ukususelail inokubonelela ngokufikelela kwimali-mboleko yebhanki phantsi kweemeko ezifanelekileyo.
Bubuphi ubuncinci kwi-CEL? Indlela yokufaka ubuncinane du INJONGO ? Ixabiso ubuncinane yentlawulo yokuqala kwi-akhawunti yokonga indlu isetiwe kwi-300 euro. Le idiphozithi kufuneka yenziwe ngexesha elinye ngexesha lobhaliso kwi-arhente okanye kwi-intanethi.
Nguwuphi umahluko phakathi kwePEL kunye neCEL?
La 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.
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.),
Yeyiphi eyona ncwadana inengeniso kakhulu 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. 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.
Ngaba izinga le-PEL liya kunyuka ngo-2022? Ngokwenene, i izinga linjalo zilungiswe ngonyaka ngamnye kwaye zihlala zinjalo kubo bonke ubomi besicwangciso sakho sogcino. Kwi 2022, le Ireyithi ye-PEL yi ngoko ke kwi-1.00%.
Yeyiphi iakhawunti efumana imali eninzi ngo-2022?
Olona tyalo-mali lungcono ukugcina kulo 2022 ngokutsho kwamaFrentshi. Ngaphandle kwembuyekezo ewohlokayo unyaka nonyaka, i-inshurensi yobomi isathathwa njengeyona mveliso ilungileyo yogcino ngamaFrentshi.
Yeyiphi iakhawunti yokonga ezisa kakhulu? Ingxelo ngubani ohlawula kakhulu yomdla yiakhawunti yokonga ethandwayo (LEP). Ngoku unomvuzo oyi-1,25% ngonyaka. I-SARA Est igcinelwe abantu abanemivuzo ephantsi.
Ngaba i-LDD iyarhafiswa?
Le I-LDD yiyo-he Irhafiswa ? Inzala ephuma kwiNcwadana yoPhuhliso oluZinzileyo ayixhomekekanga kwiminikelo yokhuseleko loluntu okanye irhafu yengeniso.
Ithini ireyithi yeLivret A? Ngenxa yokuqalisa kwakhona kwexabiso lentengo, i izinga yomdla incwadi Utshintsho ukuya kwi-1% kwi-1er NgoFebruwari 2022, kunye ne izinga du incwadi yophuhliso oluzinzileyo noluqukayo (LDDS), kunye incwadi abatsha. Leyo ye incwadi IPeople's Savings Fund yehle yaya kutsho kwi-2,2%.