Isinyanzelo sokuqala kufuneka usithathele ingqalelo ngaphambi kokuba uzame susa isixa esikhulu kwi liquide kukuba ikhadi lakho livaliwe. Oko kukuthi, kwikhadi letyala ngalinye, ibhanki yakho iya kuseka isilingi (eyona mali iphezulu) ongenako ukugqitha ngaphezu kweentsuku ezisi-7 okanye ezingama-30.
Ngenye indawo, Ungasikhupha njani isixa esikhulu semali ebhankini? Kuba susa imali liquide kwikhawuntara, konke okufuneka ukwenze kukusayina a yokuyeka ziphindiwe. Ukutyikitya kwetshekhi. Kungenjalo, ungatyikitya itsheki ehlawulwa ku bank okanye kwiodolo yakho, ngokuxhomekeke ekubeni uthobela umda wophahla olubekwe ngu bank.
Yeyiphi eyona mali iphezulu inokutsalwa ngemali ezinkozo ebhankini? Intoni yimali ubuninzi ukuba thina inokurhoxa kwikhawuntara yakhe bank ? Isilingi ye yokuyeka kwikhawuntara ka bank ilungiswe kwiimeko ezininzi kwisivumelwano sakho zebhanki. Esi silingi sijikeleza ikakhulu kwi-1000 euro, nokuba ikwikhawuntara ye bank okanye oomatshini bokuthengisa.
Ndiyikhupha njani yonke imali kwiakhawunti? Kwamanye amasebe ebhanki, ukuba unayo compte yebhanki okanye ukonga, unako susa imali kwikhawuntara xa kuboniswa ifomu. Le yokugqibela ibandakanya iimbekiselo ze compte ukuba itsalwe. Kufuneka isayinwe kwaye ikhatshwe sisazisi.
Nangona kunjalo, yeyiphi eyona mali iphezulu inokutsalwa?
Ngokubanzi, ukurhoxiswa ubuninzi kumthengisi oscillates phakathi 500 kunye 1 euro / ngeveki. Nangona kunjalo, amakhadi athile ebhanki (ngokukodwa iPlatinum, iVisa Infinite okanye amakhadi e-Mastercard Elite) avumela ukuba lo mda ugqithwe kwaye susa ngaphezulu kwe-2 euros (kunye ukuya kuthi ga kwi-000 euros) ngeveki.
Indlela yokuqinisekisa ukutsalwa kwemali enkulu?
Akukho naphantsi kweemeko umthetho waseFransi ubophelela abathengi dibhanki kwi ukuthethelela un Ukurhoxiswa kwe'Argent imali, nokuba yeyiphi na imali. Ngoko ke ukhululekile ngokupheleleyo ukuba susa imali (nokuba ikwi-ATM okanye kwikhawuntara yebhanki yakho) ngaphandle kokunika ubungqina.
Indlela yokurhoxisa i-2500 euro? Kuya kufuneka uyazi ukuba uninzi lweebhanki ziyakuvumela ukuba wenze njalo susa kwikhawuntara yearhente yakho, ngokukodwa, ukuya kuthi ga kwi-2 yee-euro / ngosuku. Ukuba awungxamanga, unako ukuza amaxesha amaninzi ngokulandelelana kwisebe lakho lebhanki kunye susa €2 ngosuku ngalunye.
Indlela yokurhoxisa ngaphezu kwe-3000 euro ebhankini? Ungakwenza oku kuphela kumda wemali ekhoyo yekhadi lakho zebhanki. Oku kuthetha ukuba ukuba unayo ikepusi ye 3 000 euro ngenyanga, awukwazi akusekho kurhoxiswa. Nceda uqaphele: iintlawulo esele zenziwe kufuneka nazo zithathelwe ingqalelo, nto leyo enciphisa ngakumbi le siling.
Bubuphi ubungqina bokutsala imali?
Akukho malungiselelo kumthetho afuna ukuba umntu abonelele a ubungqina mhlawumbi ku yokuyeka imali. Umthengi ukhululekile ukuba susa unyana Argent ngaphaya komda wesilingi ogunyaziswe likhadi lakhe lokuthenga ngetyala, ngaphandle kokuzithethelela.
Xa umthengi ecela ibhanki yakhe ukuba ikhuphe isixa esikhulu semali, ifanele yenze ntoni ibhanki? Esinye isisombululo sokuba nee-euro ezili-15.000 kukwazisa kwakho bank, ubuncinane iiyure ezingama-48 kwinjongo yakho susa ebalulekileyo somme isilivere. Oku kwenziwa kwiimeko zonxunguphalo kwaye ngokokufumaneka kweemali ezikhoyo kwi-arhente.
Ndingathatha malini ngaphandle kobungqina?
Umthengi ukhululekile ukuba susa imali yakhe phakathi komda wesilingi egunyaziswe yisivumelwano sekhadi letyala, zonke sans kufuneka bazithethelela. Ukurhoxa kudla ngokubakho phakathi kwe-500 kunye ne-1.500 yee-euro ngosuku nangeveki.
Indlela yokurhoxisa isixa esikhulu eposini? Umthengisi uya kukucela ukuba ugcwalise itshekhi kwiodolo yakho okanye kwiodolo ye Ibhanki yeposi, ngemali ekhutshiweyo kwiakhawunti yakho. Emva koko, ukutyibilika kwe yokuyeka ziyafumaneka kwi-arhente. Kuxwebhu, tshintshela i somme ukuba unqwenela susa. Kwaye uyisayine ngokuphindiweyo.
Indlela ukurhoxisa €4.500?
4500 € ngamanye amaxesha imele ukuhamba kwemali yemihla ngemihla ye-arhente encinci. Ukuba umthengi wokuqala uthatha 4500 € ezinye aziyi kunikwa. Ngoko amagqabantshintshi hamba malunga ? buza umgcini-bhanki wakho ukuba kuthatha ixesha elingakanani ukufumana imali oyifunayo susa.
Ngaba kunokwenzeka ukurhoxisa i-€ 15?
Ngaphandle kwabahambisi bebhanki abakhankanywe ngasentla, umgangatho kukuba ubuncinci bemali egunyazisiweyo yokurhoxiswa yi-20 €. Ngokutsho kweBanque de France, i-20 € iya kuba lelona hlelo lisetyenziswa kakhulu eFransi, ngaphambi kwaleyo yama-50 € kwaye kakhulu phambi kwe-banknotes ye-5 kunye ne-10 €.
Luluphi ukurhoxiswa okuphezulu okunokwenziwa kumthengisi okanye kwisebe? Ngogunyaziso olucwangcisiweyo: iisilingi ziphakathi kwe-300 kunye ne-800 € ngeveki. I-Classic: I-Visa Classic okanye uhlobo lwe-CB MasterCard, iisilingi ziphakathi kwe-€ 300 kunye ne-€ 1 yeNtlawulo: I-Gold MasterCard okanye uhlobo lwe-Visa Premier, ngoko unako susa phakathi kwe-800 kunye ne-2 yee-euro
Ngaba ndingarhoxisa i-euro ezili-1000 kwi-ATM? Ngoko singenza kangakanani susa ngemali kwi wokukhupha ? Njengomgaqo jikelele, awukwazi susa kuphela phakathi kwama-300 nama-500 kowethu ngomsebenzi ngamnye. Ngaphandle koko, akunakwenzeka susa imali oyifunayo.
Yeyiphi eyona mali iphezulu onokuthi uyirhole kwiLivret A yakho eLa Poste?
Imali kwi-ofisi ye post : unga susa kulo lonke ugcino lwakho(3) kwiofisi yakho post kwaye ukuya kuthi ga kwi-800 ye-7 ngexesha leentsuku ze-12 kwezinye iiofisi (i-000 eFransi).
Indlela yokurhoxisa imali ngaphandle kwekhadi laseLa Banque Postale? Hayi Ibhanki yeposi ikufuphi, okanye ayivulwanga? Kukho isisombululo esinye kuphela ukukhupha imali ngaphandle kwekhadi kunye no bank ngaphandle kwe Ibhanki yeposi : bamba itshekhi engagqithwanga. Emva koko kuya kufuneka uye kwi-arhente bank yomnikezi wetshekhi.
Ungasirhoxisa njani isixa esikhulu kwiakhawunti yeNickel?
Ndinga susa utshintsho oluthile?
- Ewe Unga susa imali ngekhadi lakho nickel classic okanye ikhadi lakho nickel IChrome kwindawo yokuThengisa nickel .
- Icuba kufuneka likunike irisithi.
Indlela yokurhoxisa imali ngaphandle kwekhadi letyala? Kuba susa imali ngaphandle kwekhadi kwaye ukuba une-akhawunti, esona sisombululo silula kukuya kwikhawuntara yebhanki yakho ukuba inenkonzo yemali. Ngayo nayiphi na imali engaphezulu kwe-euro eyi-1.500, umthengi kufuneka azise ukusekwa kweeyure ezingama-24 kwangaphambili.
Indlela yokurhoxisa ngaphezu kwe-2000 euro ngemali?
Kuya kufuneka uyazi ukuba uninzi lweebhanki ziyakuvumela ukuba wenze njalo susa kwikhawuntara yesebe lakho, ngokukodwa, de 2 000 €/ngosuku. Ukuba awukho pas kwimeko kaxakeka, unako kwakhona ukuza izihlandlo eziliqela ngokulandelelana kwisebe lebhanki yakho kwaye susa yonke imihla 2 000 €.
Uyikhupha njani iakhawunti yakho yebhanki? Lowo ubambeleyo makathumele ileta yokuvalwa kwe compte ukwenza isicelo sakhe sibe sesikweni. Le nkqubo isebenza kubo bonke iibhanki, ukuba u compte uvalelwe nokuba ku Bank eposini, e Bank Idumile, kwiCredit Agricole, kwi-BNP, njl.
Ndingayirhoxisa phi i-10 yee-euro kuphela?
Okokuqala, qaphela ukuba ezinye iibhanki zivumela abathengi bazo ukuba susa itikiti elinye 10 ii-euro kwii-ATM zabo. I-Banque Postale kunye ne-Société Générale zibonelela ngale nkonzo, njengoko yenza i-Banque Populaire, iphawula i-Torofino. Nangona kunjalo, oku akunakwenzeka kwi-interbank.
Ngaba kunokwenzeka ukurhoxisa i-€ 10? Njengoko indawo yePanorabanques ichaza, iindawo ezimbalwa ezisemthethweni zivumela ukurhoxiswa kuphela 10 ii-euro: iBanque Postale, iSociété Générale okanye iCredit Agricole Centre Est.
Ngaba kunokwenzeka ukurhoxisa i-€ 5?
Umbuzo Est ilula, ikhona-t-il iibhanki apho unako ukurhoxisa i-5 € kumatshini wamatikiti? Ewe, ezinye ii-ATM zibonelela ngeemali zebhanki kwiimvaba ze 5 €, nangona uninzi lwanelisekile ngamanqaku ali-10€ ubuncinci bokusika.