Inkunzi ibekwe kwi isikwere blue kufuneka abe nobuncinci be-€ 6000, uya kuza yedwa ukuze ondle i-PEL ngexesha lotyalo-mali lwe-4 okanye i-8 iminyaka. Ngalo lonke ixesha lotyalo-mali, umvuzo uqinisekiswa xa urhuma kwaye uzinzile.
Ngaphezu koko, ukuvala nini i-PEL? Ukuvalwa kwe I-PEL phakathi kwe-4 kunye ne-10 leminyaka ubudala
Emva kweminyaka emi-4 yobukho, umsindisi unako nangaliphi na ixesha ukurhoxisa ukugcinwa kwakhe kwaye avale isicwangciso ngaphandle kokulahlekelwa inzuzo ebonelela ngayo kwimeko: ukuthabatha imali-mboleko; ukugcina ukonga ubuninzi beminyaka eyi-1 ngaphandle kokuthatha imali yokubambisa.
Yintoni isilingi yeLivret A? Qaphela: I isilingi yencwadana A Est iseti kwi-€22 yabantu kunye ne-950 ye-euro yemibutho, ngaphandle kokubalwa kwenzala eyinkunzi.
Yintoni i-akhawunti ye-Credit Agricole securities? i akhawunti-Ukhuseleko Eqhelekileyo (CTO) Est un compte ukwahlula-hlula ii-asethi zayo kwaye kujongwe ukurekhoda iintengiselwano ezinxulumene nezixhobo zemali (izabelo, iibhondi, i-UCITS, njl. IsiFrentshi, saseYurophu okanye samazwe ngamazwe).
Nangona kunjalo, yintoni iCredit Agricole Discovery Cap?
ICape Discovery Ikhontrakthi ye-inshorensi yobomi yenkxaso eninzi efakwe kwi-inshurensi yi-Predi s ca (i-subsidiary ye-inshorensi yobomi Crédit Agricole I-inshurensi) ikuvumela ukuba ujonge iprofayile yakho ukuchaza ukuhanjiswa kotyalo-mali lwakho ngokuqhubekayo inkunzi.
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.
Uyifumana njani imali kwi-PEL yakho? Ngaba kunokwenzeka ukutsala imali kwi-a I-PEL ? Akukho namnye I-PEL yiakhawunti yokonga engakuvumeli ukurhoxiswa kwenkunzi etyaliwe. Ukuba usagqiba ukwenza njalo ukufunyanwa okuzenzekelayo yokugqibela, i I-PEL iya kuvalwa ngokuzenzekelayo.
Yintoni injongo yokugcina i-ELP? Ewe gcina i-PEL esanda kuvulwa ingaphezulu kwayo yonke indlela yokuzikhusela ekuthotyweni kwenzala.intérêt, yahlukile kwizicwangciso ezineminyaka emininzi ewotshini.
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.
Ubeka phi imali yakho xa i-Livret A igcwele? I-inshurensi yobomi ibonelela ngowona mlinganiselo ungcono wokuzola/wenzuzo: onengeniso eninzi kune-a incwadi, kunye nomngcipheko omncinci kunezitokhwe. Ngexesha elide (iminyaka emi-2 ubuncinci), yinkxaso ebalaseleyo indawo yokubeka yakho Argent.
Yintoni isilingi yeLivret A ngo-2020?
221-2 yeMali kunye neKhowudi yezeMali imida isilingi yencwadana A nge 22.950 euro. Nangona kunjalo, kukho izinto ezimbini ezingaphandle: imibutho, apho isixa esiphezulu Est iseti kwi-76.500 euro, kunye nemibutho yezindlu eziphantsi kwexabiso eliphantsi (HLM) engenzi sont kuxhomekeke kumda.
Isebenza njani iakhawunti yokhuseleko? Yintoni umsebenzi wayo ? Yena imisebenzi ngendlela efanayo ne-a compte eqhelekileyo, oko kukuthi, unokuhlawula ngemali, uhoxise kuyo. Umahluko kuphela kukuba oku compte ikwaphethe ii-asethi zemali. Ingeniso evela kwezi asethi iqokelelwa kuyo.
Indlela yokubuyisela imali kwi-akhawunti yokhuseleko?
Fumana imali kwiakhawunti-ukhuseleko Kulula kakhulu: yenza nje utshintshiselwano ukusuka epokothweni yemali ye compte-ukhuseleko kweyakho compte ibhanki eqhelekileyo.
Uyifumana njani imali kwiakhawunti yokhuseleko lweCredit Agricole?
Ukurhoxisa ingeniso (inzala kunye nezahlulo) kunye nenzuzo eyinkunzi eveliswa nguwe compte-ukhuseleko, inkqubo ilula kakhulu. Ngokwenene, lokuwina kwakho kuhlawulwe kwi compte Imali enxulumene ne-CTO yakho, onokuthi ngayo wenze utshintshelo ngqo kwi-akhawunti yakho compte kwikhuriya.
Ngaba ndingayirhoxisa yonke i-inshurensi yobomi bam? EWE - Unokwenza ukuhlawulela inxalenye okanye epheleleyo (ukuhoxiswa) nangaliphi na ixesha. Unga susa imali yakho i-inshurensi yobomi ngaphambi nasemva kweminyaka eyi-8. Imali yakho ihlala ikhona. Intlawulelo inokwenzeka nangaliphi na ixesha nakunyaka woku-1.
Uyivala njani iakhawunti yaseCap Découverte? Ngokuhambelana nemigaqo enikelwe kumxholo we-inshorensi yobomi, unethuba lokulahla ubulungu bakho kwiintsuku ezingama-30 zekhalenda ukugqiba ubulungu bakho.
Kuthatha ixesha elingakanani ukuvula i-inshurensi yobomi?
Le Umda wexesha zomthetho Ukuvula imali, ebekwe kwinyanga enye, ayisoloko igcinwa. Emva kokuba ifayile igqityiwe, i-inshurensi ngokusemthethweni inenyanga enye Ukuvula inkunzi (ngetshekhi okanye ukudluliselwa kwebhanki).
Loluphi uxwebhu lokuvala i-PEL? galela vala eyakho I-PEL, kufuneka wenze isicelo de ucingo kufuphi de ibhanki yakho. Ukuba lucingo galela isicelo semali mboleko yendlu, ekufuneka uyenzile kukwenza de ucacise oku kwibhanki yakho xa de isicelo sakho de ilungile. Ngaloo ndlela, ibhanki iya kuba nakho ukongeza kwakho irekhodi igalelo le I-PEL.
Irhafiswa nini i-PEL?
Xa isicwangciso sinexesha elingaphezu kweminyaka eyi-12, inzala eyenziwa ngonyaka ngamnye (ngaphaya kwe-12) zirhafiswa kwirhafu yengeniso.
Yeyiphi ireyithi ye-PEL emva kweminyaka eli-10? Esi sicwangciso "siphelelwe lixesha" siyaqhubeka nokuvelisa umdla, izinga I-2,50% gross kuzo zonke izicwangciso ezibhiyozelayo ngoku 10 namaSidon, njengoko kwakunjalo kuAnna noPatricia. KuPatricia- I-PEL ukufikelela kwi 10 namaSidon ngo-Epreli ka-2021 - esi sigaba sokulinda silinganiselwe kwi-5 yamaSidon.