La umahluko ngu kunenqanaba lokonga Est ngaphezulu okanye ngaphantsi ubude ukusuka kwenye imveliso ukuya kwenye. Ngokwenene, kuba INJONGO kufuneka ubuncinane iinyanga ezili-18, kanti kwi- I-PEL, isigaba sokugcina Est ubuncinane iminyaka emi-4 ubudala.
Ngapha koko, iya kuba yintoni ireyithi ye-PEL ngo-2022? i izinga des I-PEL eya kuvulwa phakathi komhla woku-1 kweyoMdumba ngowama-2015 ukuya kowe-31 kweyoMqungu ngowama-2016 sera ngaphezu kwe-2.00%. Ukususela ngoFebruwari 1, 2016 ukuya kutsho ngoJulayi 31, 2016, yehla ukuya kwi-1.50% kubo bonke ababhalisile abatsha, emva koko i-1.00% ukususela ngo-Agasti 1, 2016 kwaye ke isasebenza 2022.
Ithini ireyithi yeCEL yangoku? THE izinga yomdla CEL yiyo 0,75%. Umdla I-CEL zinjalo Ingeniso enkulu: ngoDisemba 31 wonyaka ngamnye, bayongezwa kwimali eyongiwe kwaye babe ngabavelisi abanomdla ongezelelweyo.
Yintoni injongo yokugcina i-CEL? Ukuvulwa kweakhawunti yokonga indlu (INJONGO) ivumela ukufikelela kwimali-mboleko ngexabiso lenzala ekhangayo lokutyala imali kwi-real estate okanye ukuxhasa umsebenzi. Ugcino lubekwe kwi a INJONGO unengenelo yokufumaneka ngokusisigxina.
Nangona kunjalo, yintoni inzuzo enayo i-CEL?
Le 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.
Bubuphi ubuncinci bokushiya kwi-CEL?
Ukuvula ifayile ye- INJONGO, kufuneka uhlawule i-€300 kwi- ubuncinane. Kufuneka njalo ushiye un ubuncinane ye-€300 yakho INJONGO. Ukuba ibhalansi yakho INJONGO iwela ngaphantsi kwe-300 € uphawu, iya kuvalwa. Iakhawunti yokonga imali Est ifikeleleka kumntu wonke, nokuba mdala kangakanani na.
Yeyiphi imali-mboleko nge-CEL? Imali ekufuneka uyihlawule lungile isuka e INJONGO ifakwe kwi-€ 23, imbuyekezo yayo isasazeka phakathi kwe-000 et Iminyaka eyi-15 ubudala. Oku lungile inokufikelela kwakhona kwi-92 € ukuba idibene inqqalelo kunye ne-ELP. Umlinganiselo we lungile isuka e INJONGO kuxhomekeke kwixesha lokonga.
Yeyiphi eyona mali iphantsi kwi-Livret A? Ubuncinci bemali ukuvula a Incwadana A: I-10 euro. Ubuncinci bexabiso iintlawulo kunye nokurhoxiswa: I-10 euro kuyo yonke imibutho ngaphandle kweBanque Postale (i-1,50 euro) Incwadana A: Isimahla yokuvula, ukuvala, iidiphozithi kunye nokutsalwa kwemali.
Ndingaboleka malini ngeCEL?
Isixa kunye ixesha lemali-mboleko
yakhe isixa ubuninzi yi-€23. Ixesha lemali-mboleko livela kwi-000 ukuya kwi-2 iminyaka. Qaphela: ukuba udibanisa imali-mboleko edityaniswe ne CEL kunye efumene umbulelo kwi-PEL, i isixa ubuninzi bemali-mboleko iyonke kungaba ngaphezulu kwe-€92.
Yeyiphi imali encinci ekufuneka ishiywe kwi-LDD? Umthetho awuboneleli Isixa esincinci. Nangona kunjalo, uninzi lwamaziko lufuna intlawulo ephantsi ye- € 15.
Ndingaboleka malini nge-PEL?
Le isixa kangangoko unako Umlawuli igcinwe kwi-€ 92 kunye nobude bexeshamboleko iyahluka ukusuka kwi-2 ukuya kwi-15 iminyaka. THE I-ELP inako isetyenziselwa ukuthenga okanye ukwakhiwa kwendawo yakho yokuhlala engundoqo kodwa hayi kuphela! Unokuyisebenzisa kwakhona ukwenza umsebenzi wokuhlaziya.
Yintoni esebenza ngemali nge-ELP? Les iyasebenza ezixhaswa ngemali kugcino lwezindlu ngolu hlobo lulandelayo, oluchazwa yiKhowudi yoLwakhiwo neZindlu:
- Ukwakhiwa kwekhaya lakho njengendawo yakho yokuhlala ephambili.
- Ukwandiswa kwayo.
- Ukuhlaziywa kwayo.
- Ukulungelelaniswa kwayo nabantu abakhubazekileyo okanye ukunciphisa ukuhamba.
Uyifumana njani ibhonasi yePEL?
La Kuqala of State I-PEL yimali yebhonasi enokuthi ivulwe xa utyikitya i- mortgage emva kokugcina inkunzi yakho kwisicwangciso sogcino lwezindlu. Ukuyifumana, isixa setyala kufuneka sibe ngaphezulu kwe-5 euros.
Uyikhupha njani i-Livret A yakho?
Ungayikhupha imali yakho Incwadana Imali ekhoyo eposini, ngokutshintshelwa kanye okanye ngekhadi lokutsalwa simahla elinxulumene ne Incwadana A. Iimpawu zokurhoxa kwi Incwadana A zezi zilandelayo: € 10 ubuncinci (€ 1,50 yokuvula eLa Banque Postale) ngokurhoxiswa.
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.
Kutheni ungagcini ngaphezu kwe-3000 yee-euro kwi-Livret A yakho? Incwadana A: ne ushiye akukho ngaphezulu kwe-3 ye-euro
okuseleyo kwakho ukonga yangoku inokubekwa kutyalo-mali olwahlukileyo kunye imivuzo, “ngaphandle kokuba babonisa umgangatho wokhuseleko oluphezulu kwayeukonga ihlala ifumaneka ngokukhawuleza”, uyalumkisa-il kwiikholam zeLes Echos.
Ithini isilingi yeCEL yeBhanki yePosi?
NgeAkhawunti yoGcino lwaseKhaya (INJONGO), ugcino lwakho luhlala lufumaneka nanini na kwaye simahla. Unokwenza iintlawulo ukuya kuthi ga kwi-€ 15(1).
Lithini izinga le-LDD ngo-2022? Izinga le-LDD : 1% ukususela ngoFebruwari 1 2022. Isilingi ye-LDD : I-12 yeerandi. Irhafu: Ukuxolelwa kwirhafu yengeniso kunye negalelo lokhuseleko lwentlalo. Inani le I-LDD umntu ngamnye: inye.
Ngubani oza neyona Livret A okanye LDD kakhulu?
Nge-1%, kunjalo iingxelo deux fois ngaphezulu kwe le Incwadana I-A kunye ne-LDDS, njengesikhumbuzo, ihlawule i-0,5% ukususela ngoFebruwari 2020. Kwaye oku kuya kuhlala kunjalo: umgaqo wokubala umvuzo wakhe ubonelela. que ireyithi LEP ilingana naleyo ye Incwadana Inyuswe nge-0,50 inqaku.
Ungayihlawuli njani intlawulo yokuhlawula kwangaphambili? i inkokhelo isohlwayo se buyisela imali ngokulindela imali mboleko yakhe unokuzuza ekukhululweni kuzo zonke iimali-mboleko zezindlu ezigqityiweyo emva koJulayi 1, 1999 kwiimeko ezimbini ezilandelayo: Ukutshintsha kwendawo yomsebenzi wobugcisa bomnye wababoleki obangela ukuthengiswa kwezindlu.
Indlela yokuvala i-PEL ngaphandle kweprojekthi ye-real estate?
Ukuvala eyakho I-PEL, konke okufuneka ukwenze kukwenza isicelo sokuvala kwibhanki yakho. Ukuba oku kukuvalwa kokufaka isicelo semali-mboleko engenakususwa, kufuneka uyicacise kwibhanki yakho xa ufaka isicelo semali mboleko. Ke, ibhanki iya kuba nako ukongeza kwifayile yakho umnikelo we I-PEL.
Ngubani ekufuneka ahlawule ipremiyamu karhulumente ye-PEL? Oku kusekwa qui iphethe eyakho PEL ekufuneka hlawula wena ibhonasi karhulumente. Cette ibhonasi karhulumente ifikelele kwi-euro eyi-1. Ngakolunye uhlangothi, inokugqithisa le siling xa kwenzeka ukufumana indawo yokuhlala kunye nokusetyenziswa kwamandla aphantsi.
Ungayirhoxisa nini i-PEL yakho?
Phakathi kwe-3 kunye ne-4 iminyaka: amalungelo omboleko afunyenwe kakuhle, kodwa i-premium kaRhulumente iyancipha ngesiqingatha. Emva kweminyaka emi-4: Ukuba ukhupha imali emva kweminyaka emi-4, akukho sohlwayo sisetyenziswayo. Emva koko uboleka phantsi kweemeko ezingcono kwaye ufumana ibhonasi yeSizwe epheleleyo, ye I-PEL ivulwe phambi kowama-2018.
Ihlawulwa nini ibhonasi karhulumente ye-PEL? Ihlawulwa nini ibhonasi karhulumente du I-PEL ? Ukwenzela i I-PEL yavulwa ngaphambi komhla we-12 kuDisemba, 2002, i ibhonasi karhulumente (1 € ubuninzi) ihlawulwe kunye nenzala, naxa kungekho mali yokubambisa.