Ukuqhagamshela, ke ngoko kuya kufuneka ucele iqonga ukusetha kwakhona igama eligqithisiweyo. Igama lokugqithisa elitsha lithunyelwa ngeposi phakathi kweentsuku ezi-2 ukuya kwezi-3. Kusenokwaziswa kulwamkelo lwesebe lebhanki, kunye nengxelo yesazisi.
Ngendlela, ungaqhagamshelana njani nomlamli weCaisse d'épargne? 5.3 Indlela yokuqhagamshelana nomlamli ? Inkqubo ye mediation kubhaliwe. i angenelele okanye inkonzo ye mediation eqhotyoshelweyo, nangona kunjalo, ngokuzibonela ngokwalo, ukunxibelelana ngomnxeba, ngefeksi okanye nge-imeyile kunye nomxhasi okanye iinkonzo zomthengi. IBhanki yokonga Ile-de-France nanini na xa ebona kufanelekile.
Indlela yokukhalaza ngeBhanki yoLondolozo? Ungafaka isikhalazo ngokuthe ngqo kwi-arhente yakho. Ukuba ingxaki iyaqhubeka, ungaqhagamshelana nenkonzo yobudlelwane babathengi ngomnxeba (ku-09 69 36 27 38) okanye ngeposi kwidilesi ngokuxhomekeke kwingingqi yakho.
Indlela yokufikelela kulawulo lweCaisse d'Epargne? Unga contact ikomkhulu IBhanki yoLondolozo ngomnxeba ngokucofa ku-01 48 14 44 20 simahla phakathi kwentsimbi ye-9 kusasa neye-17 p.m., ngoMvulo ukuya ngoLwesihlanu.
Nangona kunjalo, zeziphi iinkqubo ekufuneka uzilandele ukuze uvule iakhawunti yebhanki evaliweyo?
Uxolelwaniso kunye nesikhonzi senkundla de lungisa
Ukuba wakho Iakhawunti yebhanki ivaliwe kusalindwe ukuhlawulwa ityala, lungisa imeko ngokuhlawula de ityala lakho. galela ukuba, uthethathethwano kunye nomsizi wesikhonzi senkundla de ubulungisa ngokucela ukugxadazela de ityala lakho. Eyakho compte kuya kuba njalo evuliwe.
Yintoni iakhawunti evaliweyo?
Qu'yiakhawunti yebhanki evaliweyo ? A compte en ibhanki ivaliwe ukusukela oko umniniyo engasenako ukufikelela kuyo. Isiganeko esinjalo singenzeka emva kwesigqibo se bank okanye ngenxa yesiganeko sangaphandle.
Kutheni i-akhawunti yebhanki ivaliwe? Ngubani onelungelo loku ibhloko un i-akhawunti yebhanki ? A i-akhawunti yebhanki ingayiyo ukuvimbile ngesicelo sabachaphazelekayo abaliqela. Emva kokufaka ikhowudi engalunganga amaxesha ama-3, a i-akhawunti yebhanki se ibhlokhi ngokuzenzekelayo iiyure ezingama-48. Emva kweli xesha, ukukhutshwa kuyazenzekela.
Ngubani onokuvala iakhawunti? A compte zebhanki kungaba ivalwe yibhanki ekupheleni kwenkqubo yokubuyisela inkundla okanye kwezinye iimeko ezahlukeneyo.
Uyenza njani iakhawunti evaliweyo ebhankini?
Iinkqubo zokuvula ze iakhawunti evaliwe
Ukuba uthatha isigqibo sokubhalisela a iakhawunti yebhanki emisiweyo kwisiseko semveli, kuya kuba ngokwaneleyo ukuba ukwenza isicelo kumcebisi wakho zebhanki, njenge compte zakudala.
Ngaba ibhanki inalo ilungelo lokuvala iakhawunti? THE uvimba d'un i-akhawunti yebhanki par la ibhanki inako ikwathetha ukuvalwa umlomo zebhanki ukubetha umnini wayo kulandela ukukhutshwa kwetshekhi embi, ukusetyenziswa kakubi kwekhadi letyala, njl.
Yintoni iakhawunti yenkcaso?
Un akhawunti echaseneyo un compte ibhanki yangoku yomntu okanye ingcali ngubani ivalwe yibhanki ngendlela yomntu okanye ngokuzenzekelayo.
Indlela yokukhusela imali yakho ekubanjweni? Ibhanki yakho kufuneka yenze isibhengezo semali onayo kwiakhawunti yakho, kodwa kufuneka ubenemali eshiyekileyo ye-€499,31 ubuncinane bamba. Uya kufumana, kwiintsuku ezisi-8 zamva nje emva kwe bamba, isaziso esivela kumncedisi wesikhombiso esikwazisa ukuba ezi mali zivaliwe.
Indlela yokukhupha imali kwi-akhawunti evaliweyo?
Indlela yokurhoxisa imali kwi a iakhawunti evaliwe ?
- Qhagamshelana nebhanki yakho.
- Ngenisa umcebisi wakho webhanki.
- Yenza ingxelo yomsizi wesikhonzi ukuze uvule i compte .
Ingaba ibhanki yam inalo ilungelo lokuvala ikhadi lam?
Ukuvalwa kwe ma CB kwimeko yobusela okanye ubusela
Kwimeko yokurhanelwa kobusela okanye ubusela, njengokuthengiselana okwenziwa phesheya xa kubonakala kwimbali yeendleko zakho zokugqibela ukuba useFransi, ibhanki yam kungaba vala ikhadi lam letyala.
Ngaba umncedisi unelungelo lokuvala iakhawunti yam? L'umncedisi wenkundla yobulungisa kufuneka enze isenzo sokuhlutha kwi compte ibhanki yomhlawuli. Olu xwebhu lwazisa ibhanki ngokuthathwa kwe compte. Igalelo Est isenzo senkundla apho kubhenelwa a umncedisi wenkundla isinyanzelo. i umncedisi wenkundla eneneni igunya lodwa lokuhlutha.
Ndiyivula njani iakhawunti yam yeCredit Mutuel? Uyalazi igama lakho lomsebenzisi kunye negama lokugqitha, kodwa le yokugqibela ivaliwe. Unga vula, ngaphandle kokuba ubhalise inombolo yefowuni kwiinkcukacha zakho zoqhagamshelwano.
Zeziphi iiakhawunti zebhanki ezinqabileyo?
Il Est uthintelwe ukubamba zonke iimali ezikhoyo kwiiakhawunti zakho zebhanki, nokuba yimali efunekayo Est inkulu kunebhalansi ekhoyo. Ukuba ngomhla wokubanjwa, ungaphantsi kwe-564,78 € okanye nje i-564,78 ye-euro i-akhawunti yebhanki, emva kwakho akhawunti yile ishiywe injalo.
Ndilicela njani ixesha loxolelo? Izicelo ze ixesha lenceba ngokuqhelekileyo kwenzeka ngexesha leenkqubo zomthetho. Kule meko, umntu onetyala kufuneka achaze nje eyakhe isicelo kwijaji echophele ityala, mhlawumbi kungendlela yezigqibo ezithathwe ligqwetha layo, okanye ngokukuvakalisa ngokuthe ngqo oku isicelo ngomlomo enkundleni.
Bubuphi ubuncinci obunokunikwa umncedisi wenkundla?
Ukuba ingqokelela ichaphazela ityala lemali engaphantsi okanye elingana ne-5 ye-euro, umbolekisi kungaba, kunye nesivumelwano onetyala, isicelo ngqo a umncedisi wenkundla isihloko esinyanzeliswayo: oku kuya kumvumela ukuba agwetywe ngenkani ngaphandle kokuya enkundleni.
Ndingatsala imali ngaphandle kwekhadi lam lebhanki? Okufuneka ukwenze kukuziveza nobungqina obubambekayo besazisi (ezinokufumaneka ikhadi lesazisi lesizwe, incwadana yokundwendwela, njl.njl) kunye nokuzoba itshekhi ebonisa isixa-mali yokuyeka. Amaxesha amaninzi, lo myalelo wentlawulo kufuneka wenziwe ngegama lebhanki okanye ngokomyalelo womphathi.
Xa ibhanki ivala ikhadi letyala?
Une Ikhadi lebhanki kuthiwa " ivaliwe » xa ungasakwazi ukutsala imali kwi-ATM okanye xa ungakwazi ukuhlawula izinto ozithengile ngayo. Oku kuthintelwa kunokubangelwa izizathu ezininzi: ukufaka iikhowudi ezingalunganga ngamaxesha amaninzi, ukudlula i-overdraft egunyazisiweyo, njl.
Kutheni ikhadi lam lebhanki lingangeni? Eyakho Ikhadi lebhanki iphelelwe lixesha.
Phambi kwakho ezinokufumaneka ibonisa umhla wokuphelelwa. Ukuba uyaphoswa lo mhla, yakho Ikhadi lebhanki iyaliwa: yona ne ayisasebenzi, nokuba kumthengisi okanye kumthengisi. Ukuze ukwazi ukuhlawula kwakhona, kufuneka uqokelele entsha yakho ezinokufumaneka ngebhanki yakho.
Kutheni intlawulo yaliwe xa ndinemali?
Ukuba ugqithise kugunyaziso lwakho lwe-ovadrafti, ibhanki inokuthatha isigqibo sokuvala ikhadi lakho lebhanki. Qhagamshelana nomcebisi wakho ngokukhawuleza ukuze ulungelelanise imeko yakho. Ungazama ukuthethathethana ngokunyuka okwethutyana kumda we-ovadrafti yakho.
Yeyiphi ipropathi enokuthathwa ngumsizi wesikhonzi? mnaumncedisi wenkundla ubulungisa kungaba yenza iindidi ezi-2 zamangeniso. Yena kungaba yenza a bamba inxulunyaniswe nesibophelelo sokuhlawula, injongo yayo kukuphunyezwa kwesibophelelo sokuhlawula imali efunekayo. Yena kungaba yenza a bamba inxulunyaniswe nesibophelelo sokwenza, njongo leyo ikukwenziwa koxanduva lokuzisa okanye ukubuyisela into elungileyo.
Athini amalungelo am phambi komncedisi wesikhonkwane?
L 'umncedisi wenkundla Inkundla ingakunika iindidi ngeendidi zamaxwebhu: “isamana yokuhlawula” (into elingana nesaziso esisemthethweni sokuba uhlawule), isamani (isamana yokuvela phambi kwenkundla), umyalelo othi makuhlawulwe, njl.njl.