Olu luxanduva lwamaziko emali kumazwe amalunga nekhulu avumile ukuthatha inxaxheba “kutshintshiselwano oluzenzekelayo lolwazi” (EAI). Eli phulo lijolise ekulweni nokuphepha tax.
Phofu ke, yintoni irhafu yokuziqinisekisa? Uhlobo lweauto-isiqinisekiso si uxwebhu olusinyanzelo ukususela ngo-01/01/2016 ukwenzela ukuchonga abahlali berhafu kwamanye amazwe abathatha inxaxheba kwi-AEOI (imoto Utshintshiselwano ngoLwazi) okanye i-EAI (Utshintshiselwano oluzenzekelayo loLwazi).
Ngubani ochaphazelekayo kukuziqinisekisa? Abathengi concernés Ngabahlawuli berhafu base-US (abemi kunye nabahlali berhafu) okanye abahlali berhafu belizwe elityikitye izivumelwano kodwa kunye nabathengi "abangenamaphepha" qui khange iboneleleauto-iziqinisekiso ekupheleni kwexesha elisemthethweni leentsuku ezingama-90.
Kutheni ibhanki yam indicela ukuba ndibonelele ngolwazi malunga nendawo yam yokuhlala irhafu kunye/okanye inombolo yesazisi yerhafu kwaye yintoni? Ukuze kuqinisekiswe ukufaneleka kunye nokugqibelela kwe Inkcukacha isasazwe ngaphakathi kwesakhelo sotshintshiselwano oluzenzekelayo lolwazi phakathi kwe Fransi kunye namaqabane ayo, amaziko emali anoxanduva lokuqokelela kubathengi babo Inkcukacha enxulumene ne ukuhlala kwerhafu kwaye xa oku...
Nangona kunjalo, kutheni ibhanki indibuza inombolo yam yesazisi serhafu?
Ukuba wakho bank ndikuthumelele le leta, ungakhathazeki! Kungenxa yokuba i-IRS ikrokrela ukuba ungumbaleki mali... okanye hayi okwangoku. Enyanisweni, kunjalo dIsibophelelo esinoxanduva kumaziko emali ngokwesakhelo de "utshintshiselwano oluzenzekelayo d'ulwazi' (EAI).
Ndingasifumana phi isiqinisekiso sokuziqinisekisa ngerhafu?
Ungawafumana la maxwebhu kule dilesi ilandelayo: http://www.oecd.org/tax/oluzenzekelayo-exchange/Ukuba unayo nayiphi na imibuzo, nceda uqhagamshelane nebhunga lakho mali ezizimeleyo okanye abasemagunyeni tax kwilizwe lakho.
Kutheni iCaisse d'Epargne icela uvavanyo lwerhafu? Esinye sezizathu eziphambili zokuba kutheni umbono ibhanki yakho inomdla kukulwa imali ngokungekho mthethweni kunye nokuxhaswa ngemali yobunqolobi. Namhlanje, kwimeko ye-geopolitical engazinzanga, uRhulumente kufuneka azi ukuba umvuzo wakho uhambelana nemeko jikelele yeeakhawunti zakho.
Ndingasifumana phi isiqinisekiso sokuziqinisekisa ngerhafu? Ungawafumana la maxwebhu kule dilesi ilandelayo: http://www.oecd.org/tax/oluzenzekelayo-exchange/Ukuba unayo nayiphi na imibuzo, nceda uqhagamshelane nebhunga lakho mali ezizimeleyo okanye abasemagunyeni tax kwilizwe lakho.
Ndingasifumana phi isiqinisekiso sokuziqinisekisa ngerhafu?
3 izinto ezinokwenzeka:
- Kwindawo yakho yobuqu kwi-cmne.fr okanye ngokuthumela i-imeyile kumcebisi wakho ngoxwebhu oluncanyathiselwe.
- Ngeposi.
- Kwi-arhente yakho.
Ngaba abasemagunyeni berhafu bayafikelela kwiiakhawunti zethu zebhanki? Ngokubanzi, ulawulo lwerhafu lunelungelo lokunxibelelana kwiiakhawunti zeebhanki. Ivumela uya abahloli berhafu ukuba babonisane ebhankini, zonke Iiakhawunti zebhanki lomhlawuli werhafu kunye namalungu osapho lwakhe isithuba seminyaka emithandathu.
Kutheni ibhanki yam indibuza iinkcukacha zakho?
Kungenxa yoko le nto yakho bank kufuneka wazi kakuhle ukuba ungubani na: kuba oku ukuqokelela kwakho données ngekhadi lakho lesazisi (ifani, igama lokuqala, umhla kunye nendawo yokuzalwa, kunye nendawo ohlala kuyo), kodwa nangothotho lwemibuzo (umzekelo, Ngoba unqwenela ukuvula iakhawunti, ukuze...
Ngaba kuyingozi ukunxibelelana nenombolo yakho yerhafu? Il Ngokucacileyo ezi zirhwaphilizo. Qaphela ukuba i-CPF Est esebenzayo kulo lonke umsebenzi wakho wobugcisa, mna nNgoko ke akukho mhla wokuphelelwa kweli xesha. Ukuba ufumana olu hlobo lomnxeba, i-imeyile okanye umyalezo obhaliweyo, musa ukuphendula.
Ngawaphi amaxwebhu angacelwa yibhanki?
Ngokommiselo we-2 Septemba 2009, i iibhanki zinokubuza ikopi yesazisi, ubungqina bedilesi, imisebenzi yobungcali eyenziwayo, ingeniso kunye nayo nayiphi na into evumela uhlolo lwempahla.
Ngaba kuyingozi ukunika inombolo yakho yerhafu?
Il Ngokucacileyo ezi zirhwaphilizo. Qaphela ukuba i-CPF Est esebenzayo kulo lonke umsebenzi wakho wobugcisa, mna nNgoko ke akukho mhla wokuphelelwa kweli xesha. Ukuba ufumana olu hlobo lomnxeba, i-imeyile okanye umyalezo obhaliweyo, musa ukuphendula.
Kutheni unika inombolo yakho yerhafu? Kutheni unika inombolo yakho yerhafu ? Nika inombolo yakho yerhafu luyimfuneko kwiimeko ezininzi. Le yokugqibela yenza kube lula ukuchonga ngokusemthethweni umhlawuli werhafu, ekubeni eqhotyoshelwe unyana igama kwisiseko sedatha yolawulo tax.
Ngaba kunyanzelekile ukuba unikeze isaziso serhafu kwibhanki yakho? Nika yakho isaziso serhafu à la bank : Isibophelelo se-LEP. Ukuvulwa kwencwadana edumileyo yoLondolozo kufuna umboniso wakho wokugqibela isaziso serhafu. Ngaphandle kolu xwebhu, umcebisi wakho zebhanki akanalo ilungelo lokukuvulela i-LEP.
Ithini inombolo yesazisi serhafu?
Le I-NIF sisishunqulelo esisetyenziselwa ukubhekisa kwinombolo yesazisi yerhafu eyabelwa umrhafi ngamnye eFransi.
Ngubani onelungelo lokucela ukuvavanywa kwerhafu? Inqaku lesi-6 lommiselo we-8 ka-Oktobha 2013 likhankanya uluhlu lwamaqela esithathu anokuthi cela obu bungqina berhafu yengeniso: iibhanki, imibutho elawula izibonelelo zentlalo, abanini-mhlaba, oorhulumente basekhaya kwaye ngokubanzi "abasebenzisi abafuna ukwazi idatha yerhafu yekhaya kwaye bajonge ...
Iibhanki ziqinisekisa njani izaziso zerhafu?
Les iibhanki sebenzisa idatha yabo ngeenjongo zokuthengisa kodwa ungathengisi nayiphi na. izinto zakho isaziso serhafu, kunokuboniswana nabalawuli abaninzi kunye nabamelwane bakho ukuba bayafuna!
Ngaba ndingala ukunika isaziso sam serhafu kwibhanki yam? Ukwanalo nelungelo loku yala nika olu xwebhu kweyakho bank. Kodwa yazi ukuba, ukuba uyala, i bank unelungelo lokungakuvuleli i-akhawunti zebhanki okanye uvale iakhawunti yakho zebhanki ekhoyo. Ukuba i bank ukrokrela into ethile, inokuphinda ithumele ingxelo yentengiselwano ekrokrisayo kwiTracfin.