Kuphela ngumnini wekhontrakthi yokurenta onezitshixo zoku evulekileyo le isifuba, la bank ayinayo impinda. Nangona kunjalo, ukufikelela eyakho isifuba-Fort, kufuneka ukhatshwe ngumsebenzi we bank, ce qui ukunciphisa utyelelo lwakho kwiiyure zeukuvulwa yokusekwa.
Kwakhona, wazi njani ukuba umntu wayivula phi iakhawunti yebhanki? IFicoba, ifayile ye Iiakhawunti zebhanki, eyadalwa ngo-1971, ilawulwa liCandelo leeMali zoLuntu Jikelele (DGFIP). Idwelisa i akhawunti de toute indalo (zebhanki, iposi, imali eyongiweyo, njl.njl.) ebanjwe ngu-a personne okanye inkampani.
Ngubani onokubuza uFicoba? Inganakho Jonga le fayile? Kuphela ngabantu okanye amaqumrhu agunyazisiweyo ngumthetho kunye nokuzuza, ngokwemiqathango ebekwe ngulo mva, ukusuka ekuphakanyisweni kwemfihlo yobungcali (inqaku L. 103 lencwadi yeenkqubo zerhafu), kungaba fumana unxibelelwano lwedatha kule fayile.
Indlela yokujonga iiakhawunti zomfi? Kwimiba yokulandelelana, iindlalifa zinga ukubonisana iinkcukacha zebhanki ze ongasekhoyo kwiFayile yeSizwe ye akhawunti zebhanki kunye ezifanayo (Ficoba).
Ke, Ukufikelela njani kwiakhawunti yebhanki yomntu oswelekileyo? Ilungelo lokuukufikelela kwiakhawunti ivulwe ngu ongasekhoyo
Ngaloo ndlela, banelungelo elipheleleyo lokufumana, ngokuthe ngqo (ubungqina belifa labo) okanye nge-notary yabo, iikopi zeengxelo ze compte ngaphandle kokuba nako nokubachasa ngemfihlo zebhanki.
Ngubani onelungelo lokubonisana neeakhawunti zebhanki?
Ukuba nguwe wedwa onako ukubonisana Zakho akhawunti, usenayo i droit ukunxibelelana nalo naluphi na ulwazi olunqwenela kumntu omkhethileyo. Umzekelo, ungatyikitya amandla egqwetha qui uya kunika a droit kwi yakho akhawunti emntwini ozikhethele yena.
Ungaqhagamshelana njani noFicoba? Ngomnxeba, ngokufowunela ilungelo lethu elingathanga ngqo lokufikelela kwinkonzo kule nombolo 01 53 73 22 22 (iindleko zokutsalela umnxeba kwindawo) ngoMvulo ukuya ngoLwesihlanu ukusuka ngo-9 kusasa ukuya ku-30 p.m. kwaye ukusuka ngo-12:14 ukuya ku-17 p.m.
Ngubani ovala iiakhawunti zebhanki xa umntu efile? Ngokukhawuleza ukuba ibhanki ixelelwe nge ukufa yobambisene naye (ngezizalwane okanye ngummeli wamatyala), yona ibhlokhi ngokuzenzekelayo i compte ayahlukanga. Ayisayirekhodi nayiphi na idiphozithi okanye intengiselwano yokurhoxiswa. Ibhalansi (elungileyo okanye embi) ye compte engahlulwanga ihlaliswa ngexesha elinye njengelifa lilonke.
Ndilufumana njani ulwazi malunga nelifa?
Kwakhona kunokwenzeka ukubuza i-central last will file (FCDDV) ukufumanisa ukuba ngaba umfi wenze umyolelo: FCDDV, Service client, 95, avenue des Logissons, 13107 Venelles Cedex. Umnxeba: 04 42 54 90 80 okanye www.adsn.notaires.fr (inkonzo ehlawulwayo, € 15 ngokubonisana).
Ndiyifumana njani imali kwiakhawunti yesalamane esiswelekileyo? Kwimeko yendlalifa enye, vula a compte emva kwe ukufa yinkqubo eyenziwe lula. Enyanisweni, i-deed ye-notary ayiyi kuba yimfuneko. Ke, konke okufuneka ukwenze kukuthumela ileta ikwazisa ngemeko yelifa compte ibhanki ebhankini yomfi.
Ngubani onelungelo lokucela ingxelo ye-akhawunti?
Kuphela ngabahloli bendawo, njengenxalenye yokuhlolwa kwendawo, abanokuthi cela kwiibhanki, ngokusebenzisa droit unxibelelwano lwebhanki, iingxelo zeakhawunti».
Ngaba i-CAF ingaqinisekisa ii-akhawunti zebhanki? Kwelinye icala, i CAF unokufikelela kwiFayile yeSizwe ye Iiakhawunti zebhanki kunye ne-Assimilated, edwelisa zonke ii Iiakhawunti zebhanki vula kwintsimi, kwaye oko kwenza kube nokwenzeka ukubonelela ngamaqumrhu agunyazisiweyo ngokusemthethweni ngolwazi kwi akhawunti ephethwe ngumntu omnye.
Abasemagunyeni berhafu bazilawula njani iiakhawunti zebhanki?
Iibhanki zinika ingxelo werhafu yonke ingeniso eqokelelwe egameni labathengi babo kunye nezazisi zabaxhamli. Oku kuquka inzala ehlawulwe yibhanki, ingeniso yepotfoliyo yesibambiso, ukuthengwa nokuthengiswa kwezibambiso. Kufuneka baxele inzala ehlawulwe kwabo bangengabo abahlali.
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.
Ndingayifumana njani ingxelo yeFicoba? Kufuneka usithumele isicelo sakho ngembalelwano kwiZiko leSizwe lokuLungiselela i-FBFV. Kufuneka uqhoboshele kwileta yakho ikopi yesatifikethi sokusweleka, ubungqina besazisi sakho kunye noxwebhu olungqina ukuba uyindlalifa.
Ungasifaka njani isicelo seFicoba? Ukuze ndi cela ukufikelela kwidatha yakho yobuqu kwifayile FICOBA, kufuneka uthumele ileta ebhalisiweyo evuma ukuba uyifumene. Kule leta kufuneka ukhumbule izinto ezikuvumela ukuba uchongwe ngekopi yesazisi sakho kunye nobungqina bedilesi.
Ngaba abasemagunyeni berhafu bayafikelela kwiiakhawunti zethu zebhanki?
Ngokubanzi, ulawulo lwerhafu lunelungelo lokunxibelelana kwiiakhawunti zeebhanki. Ivumela uya abahloli berhafu ukuba babonisane ebhankini, zonke Iiakhawunti zebhanki lomhlawuli werhafu kunye namalungu osapho lwakhe isithuba seminyaka emithandathu.
Ngubani owazisa ibhanki xa umntu efile? Ngoobani abantu kunye nemibutho ekufuneka yazise? Usapho lomfi kufuneka lube noxanduva lokwazisa amaqela esithathu nge ukufa (ingakumbi umqeshi, iingxowa-mali zomhlalaphantsi, imibutho yasekuhlaleni, ibhanki okanye iibhanki, ababoneleli-nkonzo kunye ne-ofisi yerhafu), ngokubathumelela ikopi yesiqinisekiso ukufa.
Indlela yokubuyisela imali emva kokufa?
Kwimeko yendlalifa enye, vula i-akhawunti après un ukufa yinkqubo eyenziwe lula. Enyanisweni, i-deed ye-notary ayiyi kuba yimfuneko. Ngoko ke, ekuphela kwento omawuyenze kukuthumela ileta eyazisa ngemeko yelifa le-akhawunti yebhanki kwibhanki yomntu oswelekileyo.
Kuthatha ixesha elingakanani ukwazisa ibhanki xa umntu eswelekile? THE Umda wexesha Iintsuku ezi-6 zokuhlonipha
Xelela ibhanki du ukufa yomntu omthandayo Est kubalulekile. Le yinto ekufuneka yenziwe ngokukhawuleza.
Indlela yokubonisana nerejista yelifa eliphakathi?
Ukubonisana kwe-RCS kukhululekile, zombini kubemi kunye neengcali (amagqwetha, ii-notaries, njl.), kwaye, ekuqaleni, ingaba ngumxholo wesicelo kwi-Fednot Databases Support Service, i-Fédération du Notariat, ejongene nokulawula i-RCS. apha cer@fednot.be.
Indlela yokucela ulwazi kwi-notary? Jonga simahla ummeli olungisa izivumelwano ngokufowunela 36.20 | Amanqaku waseFrance.
Uzazi njani ii-asethi kunye namatyala elifa?
Ukubalaimpahla ilifa
Ngexesha le kulandelelana , inzala kamfi ngomhla wokufa kwakhe ibumbaimpahla ilifa. Nangona kunjalo, kufuneka kwenziwe umahluko phakathi kweimpahla ekrwada kunye neimpahla umnatha. Eyesibini ilingana neyokuqala ekutsalwa kuyo amatyala (i ngenzi nto) yomfi.