Les izabelo zi ithunyelwe kubo valeur igama, o.t. 20 nge indawo yoluntu.
Ngaphezu koko, leliphi izinga lesabelo sebhanki yokonga? ICredit Mutuel Arkéa (eBrittany, eMzantsi-Ntshona, eMassif Central): 1,80% ngo-2018 nxalenye B. I-Credit Mutuel (ezinye iimanyano): 1,40% ngo-2017. Phuma d 'Iyagcina : 1,53% ngokomyinge, eFransi, kwimbuyekezo ye-2017. I-Banque Populaire: 1,35% ukuya kwi-1,50% kwiibhanki ezininzi kwi-2017.
Yintoni isilingi yezabelo? i plafond ukubanjwa Est ye-50 euro galela abantu bendalo. Ixabiso le izabelo yi zimiswe ngokusemthethweni liziko lebhanki. galela ulwazi, ngo-2021, ixabiso le-a isabelo si I-euro ezingama-10,47.
Kutheni uthenga izabelo? Pourquoi bamba izabelo ? Bamba izabelo, kukuba ube lilungu le-mutual bank yakho kwaye ke ngoko uthathe inxaxheba kwaye ukhokele isicwangciso senkampani ngokuvota kwiintlanganiso zikawonke-wonke, ngelixa uzuza kumvuzo wonyaka.
Nangona kunjalo, isebenza njani iakhawunti yesabelo?
Ukuba unayo i compte Ibhanki evulwe kwibhanki edibeneyo, umcebisi wakho unokucebisa ukuba ukhuphe izabelo. zob nxalenye ikuvumela ukuba ubambe encinci inxalenye yenkunzi yebhanki ukuze ube lilungu (elilingana nomnini sabelo).
Yintoni isilingi yezabelo?
Ubuncinci bokubamba, umrhumo, ukuhlawulelwa kunye nokukhululwa Est de 100 nxalenye (kungabandakanywa utyalo-mali kwakhona lwezabelo) kunye nobuninzi bayo Est ukusuka kwi-50 izahlulo B (okt. €50). Oku plafond ukubamba kusebenza kuzo zonke iiCaisses ezinxulumene neCaisse Fédérale de Crédit Mutuel.
Yintoni umlinganiselo wesabelo? Ixabiso le-a indawo yoluntu iyaguquguquka phakathi kwe-1,50 kunye ne-450 ye-euro kuxhomekeke kumniki, kodwa isixa sabo esiphakathi Est + okanye – €20. I izabelo ne sont ngaphandle kwentlawulo xa uthenga, uzithengisa okanye uzibambe.
Yeyiphi incwadana evelisa eyona bhanki yogcino? Iakhawunti ukuba izisa uninzi umdla yi incwadi d 'ukonga ethandwayo (LEP). Okwangoku unenqanaba lokuhlawula i-1,25% ngonyaka.
Indlela yokubala ixabiso lezabelo zenkampani?
Ukumisela ixabiso le-a indawo yoluntu, songeza zonke ii-asethi, kubandakanywa nemali erekhodiweyo kwi-akhawunti yebhanki, kwisixa sepropati, kwaye sithabathe amatyala e-SCI (amatyala kubaboneleli, inzala yebhanki, ii-akhawunti zangoku zamaqabane, njl.) ukufumana i-net i-asethi.
Indlela yokubala inani lezabelo? Ixabiso lobuso be izabelo ubekwa ngokukhululekileyo yimimiselo. Kwelinye icala, zonke izabelo yenkampani kufuneka ibe nexabiso lobuso elifanayo. Umzekelo: ukuba inkampani inenkunzi zentlalo ye-Euro eyi-2.000 yahlulwe yaba ngama-200 izabelo, ixabiso lobuso be-a inxalenye yi 10€.
Yintoni isilingi seLivret A?
Qaphela: I isilingi yencwadana A Est iseti kwi-€22 yabantu kunye ne-950 ye-euro yemibutho, ngaphandle kokubalwa kwenzala eyinkunzi.
Ziziphi iingenelo eziphambili zesitokhwe kunye nezabelo? Ayiqhelekanga imimiselo yeenkampani ngo stock kulungiswe ukuze kunikwe imvume ukuze kukwazi ukulawula ukungena komnini-sabelo omtsha. Ngokubanzi, i izenzo zi ngoko ke isasazeke ngokulula kune izabelo.
Kutheni uthathe izabelo kwinkampani?
Iinjongo zotyalo-mali olulinganayo
Ukusuka ekuqokeleleni imali, ngokufika komtyali-mali kwi inkampani. Inzala ephambili yeqabane elitsha kukwenza utyalo-mali olunenzuzo, ngakumbi ngenzuzo enokubakho eyinkunzi aya kuthi ayiqonde ekuthengisweni kwempahla yakhe.
Yeyiphi irhafu kwintengiso yezabelo?
Inkqubo engagqibekangantela kwirhafu ecaba
Ukusukela nge-1 kaJanuwari 2018, inkqubo yerhafu engagqibekanga yokudluliselwa kwamalungelo equmrhu (izabelo kunye nezabelo) yiRhafu yeFlethi eNye (PFU okanye "irhafu eflethi"). Lo mrhumo ngama-30%.
Indlela yokubala ixabiso lezabelo? I valeur igama izabelo ubekwa ngokukhululekileyo yimimiselo. Kwelinye icala, zonke izabelo yenkampani kufuneka ibe njalo valeur igama. Umzekelo: ukuba inkampani inenkunzi zentlalo ye-Euro eyi-2.000 yahlulwe yaba ngama-200 izabelo, la valeur igama elithi a inxalenye yi 10€.
Kutheni utyala imali kwizabelo? Pourquoi ube lilungu? I umrhumo ngokuzithandela izabelo ikuvumela ukuba uthathe inxaxheba kwizigqibo kunye nokuqhelaniswa nobuchule bebhanki yakho ngokuvota kwiintlanganiso jikelele zeebhanki zogcino lwengingqi.
Yeyiphi incwadana efumana imali eninzi ngo-2022?
Njengoko kubhengezwe nguBruno Le Maire phakathi kuJanuwari, izinga Incwadana 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 incwadana efumana imali eninzi ngo-2021? Yeyiphi incwadana ehlawula kakhulu?
| placement | uhlobo | Umyinge wexabiso lembuyekezo |
|---|---|---|
| Incwadana A | Ugcino olulawulwayo | 0,5% |
| Incwadana Jeune | Ugcino olulawulwayo | 1,5% |
| Incwadana lophuhliso oluzinzileyo noluqukayo | Ugcino olulawulwayo | 0,5% |
| Isicwangciso sendlu yokonga | Ugcino olulawulwayo | 1% |
• Julayi 23, 2021
Yeyiphi eyona mali iphezulu kwiLivret A eCaisse d'Epargne?
Isilingi. €22 kubantu bendalo kunye ne-950 ye-euro yabantu abasemthethweni abafanelekileyo. Akukho siling kwimibutho yeHLM. Kuphela i-capitalisation yenzala inokukhokelela ekugqithiseni kwezi silingiso.
Indlela yokubala ixabiso lentengiso yezabelo? Kuba yekhompyutha irhafu kwi ukukhutshwa eyakho izabelo, kwanele nje ukuthatha ipesenti yerhafu yeFlat eyi-30% kwisixa esipheleleyo sexabiso elongezelelweyo. Kule meko, ilingana ne-300 euro, ngoko ke yimali ye ukukhutshwa eyakho izabelo kwi-LLC.
Indlela yokubala ixabiso lesampulu yenkampani?
Ngokuqhelekileyo i valeur de l 'ishishini ivavanywa kusetyenziswa le fomula ilandelayo: Ixabiso ukulingana + valeur intsalela yetyala lemali = valeur de l 'ishishini.
Yintoni ixabiso lesabelo? Ixabiso efunyenwe ngokwahlula-hlula i-asethi ye-UCITS ngenani le nxalenye (FCP) okanye izabelo (SICAV) ezijikelezayo.