Inkqubo ye vala incwadana encinci imi ngolu hlobo lulandelayo: Umnini kufuneka aye kwi-arhente yokubamba ukuze asayine ifomu yokuvala Incwadana yolutsha. Ukuba ikhadi ledebhithi liqhagamshelwe kwi Incwadana yolutsha, kufuneka ibuyiselwe ebhankini ngumnini wayo.
Ngendlela, zeziphi iiakhawunti ezinenzuzo kakhulu? Iakhawunti ukuba izisa uninzi umdla yi incwadi Ingxowa-mali yoLondolozo lwaBantu (LEP). Ngoku unomvuzo oyi-1,25% ngonyaka. I-LEP igcinelwe abantu abanemivuzo ephantsi.
Uyivala njani incwadana yeBNP eselula? Kuba ukuvala i-akhawunti yokonga ye-Young BNP I-Paribas kwangaphambili (phambi kweminyaka engama-25 ubudala), kungcono ukuthumela ileta ebhalisiweyo evuma ukuba uyifumene kwisebe. BNP I-Paribas, ebamba i Incwadana yolutsha. Ucingo lusimahla.
Ngaba kunokwenzeka ukuba neencwadana ezi-2 zoLutsha? mnye kuphela incwadana encinci kuvumelekile ngomntu ngamnye. Inokwenzeka ukuyidibanisa ne incwadi Une incwadi isicwangciso sokugcina imali (LEP) okanye a incwadi yophuhliso oluzinzileyo noluqukayo (LDDS). Zonke iibhanki zibonelela nge incwadana encinci.
Nangona kunjalo, ungayidlulisela njani iAkhawunti yoLutsha ukusuka kwenye ibhanki ukuya kwenye?
Imimiselo ayivumeli ukudluliselwa d'un Incwadi yokupasa yolutsha evela ebhankini ngase a enye ibhanki okoko nje bengengabo abenethwekhi enye.
Ubeka phi imali yakho ukuze izise kakhulu?
Loluphi utyalo-mali olubonelela ngembuyekezo engcono kwixesha elide?
- Tyala imali kwi-stock market nge-PEA okanye i-akhawunti yokhuseleko. Izabelo ziludidi lwe-asethi qui inikeza imbuyekezo ephezulu kwixesha elide. …
- Equities: utyalo-mali olukwasemngciphekweni ngakumbi...
- I-inshurensi yobomi ukuze ukwandise ukonga kwakho.
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.
Yintoni ehlawula ngaphezu kwe-Livret A? i incwadi molo bank ihlawula ngaphezulu kwencwadana A
Njengoko ubona kumthelekisi wethu incwadi ukonga, i incwadi molo bank Est le incwadi ukonga ohlawulayo le kunye namhlanje kumlinganiselo oqhelekileyo: 2,00%. Ukuba sisebenzisa i-40% yerhafu, sifumana ireyithi elinganayo ye-1,20%.
Uyivala njani incwadana yakho ye-A BNP?
Vala i incwadi ukonga BNP I-Paribas yenziwa ngokuthumela ileta ebhalisiweyo kwi-arhente oxhomekeke kuyo, ichaza ukuba yeyiphi i-akhawunti onqwenela ukuba isixa esikhoyo sidluliselwe kuwe. Noko ke, phawula ukuba kuyinto eqhelekileyo ukuba iibhanki zithathe ixesha lazo ngaphambi kokuba zibuyisele imali.
Yiyiphi ingxelo emva kwencwadana eselula? Ukuba uceba ukuthenga ikhaya, i-PEL (Plan Epargne Logement) lukhetho olusengqiqweni lokuphumelela incwadana encinci. Ungaevulekileyo kunye ubuncinane 225 euro, kwaye utyale ubuninzi 61 euro. Lutyalo-mali olucwangcisiweyo malunga neminyaka emi-200 ubuncinane kwaye kufuneka uhlawule ubuncinci be-euro ezingama-4 ngenyanga.
Ngaba ndingarhoxa kwi-Livret A yonyana wam?
Ukurhoxiswa okunokwenzeka kwi Incwadana A kunye ne iincwadana zebhanki
Yaye kule ngongoma, umthetho ucacile: “Ulawulo olusemthethweni lolwabazali. Ukuba igunya labazali lisetyenziswa ngokudibeneyo ngabazali bobabini, ngamnye kubo ungumlawuli osemthethweni.
Yeyiphi iakhawunti endinokuba nayo kabini? Ngokomthetho, unokuvula iiakhawunti ezininzi zebhanki njengoko ufuna. Akukho mida. Ngoko ke kunokwenzeka ukuba neeakhawunti ezininzi kwibhanki enye okanye enye/iakhawunti ezininzi kwiibhanki ezahlukeneyo. Kweyesibini, inegama; oku kubizwa ngokuba ziibhanki ezininzi.
Ngaba iLivret Jeune ivaliwe?
Ngomhla wokuzalwa womnini-25th, i incwadana encinci ivaliwe ngokuzenzekelayo et imali egqithiselwe kwi-akhawunti echongiweyo ngulo mva okanye kwi-akhawunti ye-suspense, njenge- Incwadana A ukuba umxhasi unenye. Oku kuvala ngokuzenzekelayo kwenzeka nge-31 kaDisemba kunyaka wokuzalwa komnini we-25.
Ngubani ofumana eyona Livret A okanye iLivret Jeune?
Kwi-euro yokuqala eyi-1 egcinwe, i incwadana encinci ubuncinane njengenzuzo que le incwadi A (ukususela kwinqanaba lokuhlawula Est iyafana) kodwa rhoqo kunye enengeniso ngokwenyani kuba iibhanki zibonelela ngexabiso elingcono lale mveliso ukutsala abathengi.
Zeziphi iipassbook esinokuzidlulisela phakathi kweebhanki? kuba kule nqanaba imithetho sont ngqongqo kakhulu.
- Incwadana A, LDD, LEP. i Incwadana A ayinakugqithiselwa. …
- Iincwadi zebhanki irhafu, ii-akhawunti zexesha. Ezi iincwadana zi echanekileyo kumntu ngamnye bank . ...
- I-PEL kunye ne-CEL. Inkqubo ye ukudluliselwa ye PEL kunye CEL kunokwenzeka xa kukho utshintsho bank . ...
- I-PEA, i-akhawunti yokhuseleko. …
- I-inshurensi yobomi.
Ngaba kunokwenzeka ukutshintshela i-Livret A? THE incwadi A Est imveliso yokonga elawulwa ngurhulumente kwaye ayifuniEst ngoko ke akukho khuphiswano kwiireyithi. Kuyinto ke kunokwenzeka ukudlulisa incwadi yokupasa A kulo naliphi na elinye iziko lebhanki eFransi ngelixa lixhamla kwiimeko zokusebenza kunye neenkonzo ezifanayo.
Indlela yokudlulisela iiakhawunti?
khetha ukuthatha amanyathelo ngokwakho: kufuneka emva koko ucele ibhanki yakho yemvelaphi ukudlulisa Zakho akhawunti, emva koko ukuthumela kwimibutho eyenza utshintshiselwano kunye ne-debit ngqo kweyakho compte ibhanki yemvelaphi, isazisi sakho esitsha sebhanki (RIB) ukuze babhale ingxelo yakho ...
Ungayityala phi imali yakho ngo-2022 ngaphandle komngcipheko? TYALA IMALI YAKHO : 8 INDAWO UKWAZI 2022
- Tyala imali imali yakhe kwi-inshurensi yobomi.
- Isicwangciso sokugcina umhlalaphantsi.
- ii-SCPIs.
- Iimarike zemali.
- Umhlaba othe ngqo.
- Iimveliso ezicwangcisiweyo.
- Impahla yabucala.
- Utyalo-mali olunoxanduva.
Uyityala phi imali yakho kwi2022?
Olona tyalo-mali lungcono ekuthandeni kulo 2022 "Isizukulwana esitsha" sezindlu kunye ne-inshurensi, i-cryptocurrencies, irenti enikezelweyo, iimali ezicwangcisiweyo, izabelo zabucala, i-metaverse,utyalo-mali kumacandelo avelisa izinto ezintsha kunye nee-SCPIs ezomeleleyo.
Ungayityala phi imali yakho ngo-2021 ngaphandle komngcipheko? Tyala imali yakho ngo-2021 ngaphandle komngcipheko nangona kukho ingxaki yemali
- i-PEA (i-Plan d'Epargne en Actions), ipotfoliyo eyenziwe ngamashishini alinganayo, ii-FCPs kunye nee-SICAV ezityalwe eYurophu;
- Izindlu ezirentwayo;
- i-SCPI (i-Société Civile de Placement Immobilier), ukwenzela ukutyalomali kwi-real estate ngokusebenzisa inkampani yotyalo-mali;