Umhla wexabiso nge-31 kaDisemba
Nokuba iibhanki zihlawula umvuzo nge-31 kaDisemba, nge-2 kaJanuwari okanye nge-4, uninzi lweempawu zigcina umhla wexabiso elifanayo: nge-31 kaDisemba. Lo ngumhla omiselweyo wokubala umvuzo wakho.
Phofu, ihlawulwa nini inzala? Umgaqo omnye: ukubalwa kwe umdla kabini ngeveki
izinto ezimbini sont ngoko ke khumbula: intlawulo yenziwe phakathi kwe1er kunye ne-15 yenyanga ivelisa umdla ukususela ngowe-16 kwaloo nyanga; a intlawulo eyenziwa phakathi kwe-16 kunye nokuphela kwenyanga ivelisa umdla ukusuka ku-1er kwinyanga elandelayo.
Ihlawulwa nini inzala ye-inshorensi yobomi? Ingxowa-mali kwii-euro zekhontrakthi yei-inshurensi yobomi yinkxaso ekhuselekileyo ebandakanya isiqinisekiso esiyinkunzi esinikezelwa ngumkhuseli. Umrhumi ke ngoko akanakuphulukana nemali kolu hlobo lwengxowa-mali. Rhoqo ngonyaka inzala ihlawulwe kwikhontrakthi ukususela nge-31 kaDisemba N.
Uyifumana nini inzala ye-inshurensi yobomi? I umdla zihlawulwa nyaka ngamnye, ngoDisemba 31, kubabhalisi. Zibalwa ngokwepro rata temporis, okt ngokwexesha lotyalo-mali lomrhumi.
Nangona kunjalo, nini ukufaka okanye ukukhupha imali kwiakhawunti yakho yokonga?
Ngoko ke kukhethwa ukwenza: iintlawulo nge-15 okanye i-30 yenyanga; ukuhoxiswa kwi-1st okanye i-16 yenyanga ukuze ungalahlekelwa ngumdla kwiiveki ezimbini. Kuhle ukwazi: ukusetyenziswa kwamakhadi okurhoxisa anikezelwe ne iincwadana ugcino luhlala lunesiphumo sokunciphisa inzala ibe yi-nul.
Isebenza njani inzala?
Ifomula esetyenzisiweyo ukubala i umdla elula
- Inani lemali eyinkunzi (€) * Ireyithi ye- intérêt Qho ngonyaka (%) * Ixesha lokuxabisa = Inzala (€).
- € 10.000 * 1,75% * 12/12 = € 175. Oku kubonisa eyakho umdla kunyaka wokuqala. ...
- € 10.000 * 1,75% * 12/12 = € 175. ...
- 175 € * 1,75% * 12/12 = 3 €.
Isebenza njani inzala yebhanki? Ibhanki ibala isixa esipheleleyo se umdla ifunyenwe kunyaka ophelileyo kwaye, ngaphambi kokufaka ikhredithi, irhoxisa ipesenti esemthethweni yemirhumo yokhuseleko kwezentlalo. Yiyo loo nto i-PEL ivulwa de kube ngu-Disemba 2017 ngexabiso elipheleleyo le-1%, ireyithi yomvuzo yonyaka ifikelela kwi-0,83% (0,828% ngokuchanekileyo).
Ibalwa njani inzala ye-inshorensi yobomi? Ukubala des umdla elula kwaye umdla iikhompawundi
- 100 x (2/100) = 2. Emva konyaka omnye, utyalo-mali lwe-€ 100 oluhlawulwe kwi-2% ngonyaka luzisa i-€ 2 ye umdla . Ekupheleni konyaka wokuqala, kanye umdla ifakwe kwi-akhawunti, ngoko ke kuya kubakho i-102 € kwi-akhawunti. …
- 100x(1+0,02) 5
Uyikhupha nini imali kwiLivret A?
Ngokuphathelele umhla apho rhoxisa imali kwi Incwadana A, kungcono ukulinda kude kube ngumhla woku-1 okanye owe-16 wale nyanga ikhoyo. Ngokwenene, xa kunjalo yokuyeka yenxalenye yeArgent nge-30, 31st okanye 15th enyangeni, inzala eveliswe kwiveki ezimbini ezidlulileyo ilahlekile.
Kuphi ukutyala imali eyi-10.000 yee-euro ngo-2022? Ezi yiPau, iLimoges, iPoitiers, iBrest kunye neNîmes. Umvuzo uhlala ulungile kwimarike yemasheya kunye ne-inshurensi yobomi edityaniswe neyunithi njengenxalenye yesicwangciso sexesha elide.
Yeyiphi imali encinci ekufuneka siyishiye kwi-Livret A?
Idiphozithi ubuncinane kuthulula un incwadi Izixa ukuya kwi-10 yee-euro phantse kuwo onke amaziko ebhanki eFransi. Akunakwenzeka ukufaka isixa esincinci kwiakhawunti yakhe yokonga. Nangona kunjalo, kunokwenzeka ukwenza iidiphozithi ngemali, ngokutshintshela ibhanki okanye ngetshekhi.
Ibalwa njani inzala yemali-mboleko? Ubalo olufunekayo: ireyithi yenyanga = ireyithi yonyaka yebhanki yahlulwe nge-12; bona umdla = imali eyinkunzi eseleyo ngenxa yebhanki x ireyithi yenyanga; inkunzi ebuyisiweyo = Intlawulo yenyanga rhoqo - the umdla ; i-capital eseleyo = Imali eseleyo efunekayo ukusuka kwinyanga edlulileyo - inkunzi ebuyisiwe.
Indlela yokubala inzala kwisixa?
Ku Calcul d 'intérêt ikhompawundi yenyanga, ifomula ye Calcul d 'intérêt iqulunqwe ngolu hlobo lulandelayo: Ye isixa yengeniso iya kuthatha yekhompyutha : Isixa utyalo-mali x (1+Ireyithi yeintérêt/Ixesha leintérêt/ 100) (gama * period d'intérêt) = Isixa yengeniso.
Indlela yokubala inzala kwimali-mboleko?
Inzala elula: iintérêt elula ibalwa kuphela kwinkunzi yokuqala. Ngokomzekelo, kwimeko yenqununu ye-1 yeedola ngezinga leintérêt izinga lonyaka 5% phezu 3 iminyaka, i umdla efunyenweyo iya kuba $50 (5% of 1) ngonyaka, ukuba iyonke $000.
Ihlawulwa njani i-inshorensi yobomi? Ngokomthetho, i-inshurensi inenyanga enye yokuhlawula inkunzi kubaxhamli, ekufumaneni ifayile epheleleyo. Kucetyiswa ke ngoko ukuba uthumele onke amaxwebhu axhasayo nge-imeyile ebhalisiweyo kunye nengxelo yokuvuma ukuba ufunyenwe ukwazi umhla wokuhamba. ce umda wexesha.
Isebenza njani intlawulo yeinshorensi yobomi? L'i-inshurensi yobomi sisivumelwano apho i-inshurensi ithatha, njengembuyekezo yentlawulo yeepremiyamu, ukuhlawula i-annuity okanye inkunzi kwi-inshorensi okanye abaxhamli bakhe. Ingasetyenziswa njengemveliso yokonga ixesha eliphakathi okanye elide.
Kuthatha ixesha elingakanani ukufumana i-inshorensi yobomi emva kokufa?
emva ukufunyanwa kwamaxwebhu, i-inshurensi inenyanga eyi-1 galela hlawula imali. Ukusuka de ulwamkelo de isenzo yabangasekhoyo kunye nolungelelwaniso lwabaxhamli, i-inshurensi inokuqala Nceda iintsuku ezilishumi elinesihlanu galela cela amaxwebhu afunwa sisivumelwano.
Zeziphi iiakhawunti ezifumana imali eninzi? Iakhawunti ukuba izisa uninzi umdla yi incwadi Ingxowa-mali yoLondolozo lwaBantu (LEP). Ngoku unomvuzo oyi-1,25% ngonyaka. I-LEP igcinelwe abantu abanemivuzo ephantsi.
Indlela yokubala i-inshurensi yobomi?
Uhlawule i-50 ye-euro kwikhontrakthi yakho yengqeshoi-inshurensi yobomi kwiminyaka esibhozo eyadlulayo. Ufuna ukwenza ukurhoxiswa kwe-€20. Imali ekufuneka uyihlawule nentlawulelo iyonke isivumelwano sakho yi-€70. Kuba yekhompyutha umdla, usebenzisa ifomula: 20-(000 x 50)/000) = 20.
Uyikhupha njani imali kwiLivret A? Unga susa l 'Argent yakho Incwadana Imali ekhoyo eposini, ngokutshintshelwa kanye okanye ngekhadi lokutsalwa simahla elinxulumene ne Incwadana A. Iimpawu zokurhoxa kwi Incwadana A zezi zilandelayo: € 10 ubuncinci (€ 1,50 yokuvula eLa Banque Postale) ngokurhoxiswa.
Uyifumana njani imali kwiLivret A?
Ukurhoxiswa kweArgent kwi incwadi I-A isimahla kwaye inokuqhutywa nanini na umlondolozi efuna, kungekho mda wexesha lokwenyani. Lo mva unokufikelela okungenamkhawulo kwi-akhawunti yakhe kunye neemali zakhe, ngaphandle kokucela isigunyaziso esikhethekileyo kwiziko lebhanki elibamba i-akhawunti. incwadi A.
Loluphi ugcino ngo-2022? Olona tyalo-mali lungcono ukugcina kulo 2022 ngokutsho kwamaFrentshi. Ngaphandle kwesivuno esiwohlokayo unyaka nonyaka, i-inshurensi yobomi isathathwa njengeyona mveliso ibalaseleyoukonga thetha isiFrentshi.