Tshintsha iibhanki ukunciphisa yakho iindleko ulawulo lweakhawunti
Izinto ezininzi ezinokwenzeka ziyafumaneka kuwe ukuba uyitshintshe: Ungakhetha ibhanki ene iindleko ukugcinwa kwe-akhawunti kubiza kancinci. Ukwenza oku, ungasebenzisa isithelekisi se-intanethi Iintlawulo zebhanki kuxhomekeke kwimimandla.
Kakade ke, zithini iintlawulo zokugcinwa kwe-akhawunti? THE imirhumo yokugcina i-akhawunti des iindleko ejongene nolawulo lwe compte ebhankini. Zisenokwahluka ukusuka kwenye ibhanki ukuya kwenye, kwaye kufuneka zivele kwisivumelwano esisayiniweyo xa uvula compte ebhankini. Ngaloo ndlela, umthengi uyaziswa ngexabiso le imirhumo yokulungisa i-akhawunti isicelo.
Ngaba kunokwenzeka ukufumana iintlawulo zebhanki zibuyiselwe? Ukukhatywa kwee-debits ngokuthe ngqo okanye intlawulo ngetshekhi Iintlawulo zebhanki. Ngendlela efanayo ne iindleko Ikhomishini yongenelelo xa kuthe kwakho i-ovadrafti, kunokwenzeka ukucela buyisela imali ngokuthumela ileta kwiziko lezemali.
Yeyiphi eyona mali iphezulu yentlawulo yebhanki ngenyanga? Iibhanki zaseFransi sont bazibophelele, kubathengi babo kwimeko yobuthathaka bezemali, ukuvala zonke iindleko iziganeko zebhanki (kubandakanywa neekhomishini zokungenelela) nge-25 €max inyanga. Ukuba ufunyaniswe njengoethe-ethe, ibhanki yakho kufuneka imisele le cap ngokuzenzekelayo.
Nangona kunjalo, ndingayifumana njani imbuyekezo ngeendleko zekomishini yongenelelo?
Ukuba ujongene ne-a ikhomishini yongenelelo ukuxhaphaza, unokucela umcebisi wakho webhanki okanye isebe lenkonzo yabathengi bebhanki yakho buyisela imali njengesenzo sorhwebo. Isicelo sakho sinokwamkelwa xa kukho i-ovadrafti ekhethekileyo okanye i-ovadrafti yokuqala.
Ndiyibala njani imali yokulungisa i-akhawunti?
Isiphelo: I iindleko Iibhanki eziphantsi kweVAT zirekhodwa njengedebhithi kwi compte 627 "IiBhanki kunye neenkonzo ezifanayo" ngelixa ezo zingaphantsi kwerhafu zirekhodwa kwi compte 661 “Inzala”.
Yintoni ukugcinwa kweakhawunti? Iindleko ulawulo lweakhawunti, c'yintoni ngqo ? Uqaphele intlawulo ulawulo lweakhawunti kwisiteyitimenti sakho sebhanki? Ziyahambelana neentlawulo zebhanki ezihlawuliswa yibhanki yakho kulawulo lwakho compte ebhankini. Ezi ntlawulo zisebenza ku akhawunti esebenzayo kunye nengasebenziyo.
Yintoni ukugcina iakhawunti? Iindleko ulawulo lweakhawunti yenza kube lula ukuhlawula ibhanki ngeenkonzo qu'inika abanini a compte ebhankini. Ii-invoyisi ubukhulu becala xa kufumaneka indlela yokuhlawula, itshekhi okanye ikhadi lebhanki.
Ndingabuyiselwa njani i-Irreg kunye neendleko zesiganeko?
Indlela yokugqibela yokufumana buyisela imali yayo iindleko izitenxo kunyeziganeko bubulungisa. Kuxhomekeke kwisambuku se iindleko, nali isicombululo ekufuneka siqwalaselwe: Imali engaphantsi okanye elingana ne-10 ye-euro: INkundla yeSithili. Imali engaphezulu kwe-000 ye-euro: INkundla yaseGrande Instance.
Indlela yokubuyisela imali kwibhanki? Ukuze ubuyiselwe imali yakho, kufuneka uxele ubuqhophololo bakho bank zingadlulanga iinyanga ezili-13 emva komhla wokutsalwa kwemali. Eli xesha ziintsuku ezingama-70 ukuba ukusekwa komxhamli wentlawulo se ibekwe ngaphandle kwe-European Union okanye i-European Economic Area (amanqaku 133-1-1 kunye ne-133-24 yeKhowudi yezeMali kunye neMali).
Uyicela njani imbuyekezo yebhanki?
Kuya kufuneka: Qhagamshelana nebhanki yakho ukuze uchaze impazamo kwaye cela ukubuyiselwa imali. Oku kunokwenziwa ngomlomo kunye/okanye nge-imeyile ebhalisiweyo. Ukuba akukho mpendulo inikezelwayo, umthengi unokuqhagamshelana nesebe lezikhalazo le bank okanye umphathi wesebe.
Kutheni iibhanki zihlawulisa imirhumo emininzi kangaka? I bank ikuthatha ntoni iindleko ebhankini xa i-debit ngqo ivela kwi-akhawunti yakho kwaye akukho mali yaneleyo ukuyihlawula. Hayi kuphela bank iyayikhaba irhafu ukuze umbutho ungahlawuli.
Zeziphi ezona zixa ziphezulu zemirhumo enokuthi ihlawuliswe yibhanki ngokwaliwa kwentlawulo kulandela ukunqongophala kwemali?
131-25 yeKhowudi yezeMali kunye nezeMali): i ubuninzi bemali yomrhumo ibhanki yi 30 euro kwimeko yokwaliwa ditshekhi d'a isixa ngaphantsi okanye ilingana 50 euro, yi 50 euro xa kuthe kanti itshekhi yaliwe d'a isixa ngaphezulu kwe-50 yee-euro.
Yintoni i-Irregularities kunye neentlawulo zeZehlo?
Les iindleko d 'izitenxo et d 'ziganeko Ziimali ezitsalwa kwiakhawunti yakho ukunika imvume yokuba ugqithise kwi-ovadrafti yakho egunyazisiweyo ngokwenza iintlawulo, udluliselo, njl. iindleko ebhankini azifani ngokuxhomekeke kwiibhanki zemveli okanye iibhanki online.
Uyibuyisela njani idebhithi exhaphazayo? Ukurhoxiswa okungafanelekanga : indlela yokubuyiselwa imali ? Enyanisweni, umthengi okhathazekileyo kufuneka aveze sa isicelo buyisela imali à sa yebhanki phambi kokuphela kwethuba leeveki ezisi-8 eliqala ngomhla wokutsalwa kweemali.
Zisebenza njani iikomishoni zongenelelo? I ikhomishini yongenelelo uhlawuliswa ngokukhawuleza nje ukuba i-akhawunti yomthengi itsalwe ngaphezulu okanye ngokukhawuleza ukuba isixa-mali se-ovadrafti egunyazisiweyo sigqithile. Iibhanki zinokuyiqokelela ngentlawulo nganye ngetshekhi okanye ngekhadi lebhanki elicelwe ngumthengi.
Ndiziphendula njani iindleko ze-invoyisi?
Ngokusebenza, kwaye ngokubanzi, imirhumo yokuhlawula zirekhodwa ngqo kwi-akhawunti yokuthenga. Kwakhona kunokwenzeka ukusebenzisa i-akhawunti ye-608 ye iindleko izincedisi ekuthengeni. Ngokombono wam, ezi iindleko kufuneka ngokwenene ingene kuqingqo-maxabiso lwesitokhwe.
Isebenza njani iakhawunti ye-512? Umzekelo: ngetyala 100 euro kwi compte bank 512 ihambelana ne-debit ye-100 ye-euro erekhodiweyo kwisiteyitimenti sebhanki. Oku kuthetha ukuba xa inkampani yenza idipozithi ebhankini, ibhanki iyityala imali yayo, ibe netyala kwinkampani ngale mali.
Yeyiphi eyona bhanki inkulu eFransi?
I-BNP Paribas ihlala iphezulu kuluhlu lomsebenzi wayo kunye nenzuzo yayo. Isabelo seqela lemali engenayo ye-8,173 yezigidigidi zee-euro siqinisekisa ubunkokeli bayo! Bona unikezelo: gcina! : ♥ Credit Agricole EKO nge-euro ezi-2 kuphela ngenyanga ngekhadi zebhanki, isicelo seselula kunye ne-arhente.
Kutheni sihlawula imali yebhanki? THE Iintlawulo zebhanki zinxulunyaniswa neenkonzo ezinikezelwa yibhanki okanye izitenxo ekusebenzeni kweakhawunti okanye izehlo zentlawulo.