Ngokomgaqo, akukho mda kwidiphozithi yemali kwi-akhawunti yakhe zebhanki umntu ngamnye. Ngapha koko, ngaphandle somme ye 8.000 euro, i bank kuya kufuneka ukuba akucele i ubungqina kwimvelaphi yemali.
Ukongeza, singafaka malini ebhankini ngaphandle kobungqina? Isishwankathelo, kuhlala kunokwenzeka ukuba idiphozithi €3 nge ibhanki ngaphandle kobungqina. Kodwa phinda lo msebenzi rhoqo kungaba ngokuxhomekeke kulawulo olubanzi ngabasemagunyeni abafanelekileyo.
Yeyiphi eyona mali iphezulu enokufakwa ebhankini? Ukusukela nge-1 ka-Okthobha ka-2010, iidiphozithi zemali kwii-akhawunti zebhanki ziqinisekisiwe ngaphakathi komda we-100 ye-euro. ubuninzi ngomenzi-sicelo ngamnye nange bank.
Ingakanani imali evumelekileyo? Intlawulo nge iintlobo zeumntu kumntu oqeqeshiweyo okanye phakathi kweengcali ugunyaziwe ukuya kuthi ga kwi-€ 1. Le siling iphakanyiselwe kwi-€ 000 ukuba indawo yerhafu yomntu othengayo iphesheya kwaye bahlawula iindleko zomntu (umzekelo, ukuthenga. disithuthi esisetyenziselwa bucala).
Ke, yimalini onokuthi uyifake emalini ebhankini? Iintlawulo ezinkozo kwikhawuntara ye bank
Idiphozithi kungaba, ngokomgaqo, kuqhutywe kuyo nayiphi na Beisammensein arhente ye bank kwaye hayi kuphela apho iakhawunti yakho ibanjelwe khona. Akukho isixa esiphezulu.
Indlela yokuqinisekisa idiphozithi yemali?
Idiphozithi yemali ebhankini: inkcazelo
Xa ufaka imali, kufuneka usoloko ufumana irisithi. Mhlawumbi ku idiphozithi ngaphezu kwe-euro eyi-1, ubungqina bemvelaphi yemali bunokucelwa.
Ingakanani imali onokuthi uyifake kwimali ebhankini yogcino? Intoni yeyona mali iphezulu idiphozithi ebhankini ? Ukuba ufayile i somme ngemali engaphaya komda we-euro ezingama-8.000 kwiakhawunti yakho yangoku, ibhanki inoxanduva lokukubuza ubungqina, ngakumbi ukuba olu hlobo lwediphozithi lwenziwa ngesiseko esikhethekileyo.
Uhlawula njani ngaphezulu kwe-euro eyi-1000 ngemali? Njengabantu ngabanye, iintlawulo zesixa esikhulu kune 1 000 € (xa kuthelekiswa ne-3 € ngaphambi kwe-000 Septemba 1) ayinakwenziwa ngemali. Kufuneka zihlawulwe ngetshekhi, ngekhadi letyala okanye ngokutshintshela ebhankini. Ukuba umvuzo wesambuku udlula i-€ 2015 ngenyanga, ayinakuhlawulwa ngemali.
Ndingayiphatha malini?
EFransi isixa-mali esikhulu eso inokuthwala en Argent imali yi 10 euros.
Ngaba ndingayenza idipozithi kwenye ibhanki? I iidiphozithi inokuthi, ngokomgaqo, iqhutywe kulo naliphi na isebe le bank kwaye hayi kuphela apho iakhawunti yakho ibanjelwe khona. Akukho mali iphezulu.
Indlela yokuthethelela ukudluliselwa kwebhanki?
Ngokuxhomekeke kumsebenzi oza kwenziwa, amaxwebhu axhasayo asoloko ecelwa ahambelana nale:
- isazisi sokutsalwa kwemali kwikhawuntara, ukuhanjiswa kwendlela yokuhlawula (incwadi yetshekhi okanye ikhadi), njl.
- ubungqina bendawo yokuhlala a ukudlulisa ngaphandle koMmandla woQoqosho waseYurophu.
Yeyiphi eyona mali iphezulu? EFransi isixa esiphezulu esinokuba nako kuthi Imali ikho Ye-10 yama-euro.
Ingakanani imali onokuba nayo ekhaya?
Kusemthethweni ukugcinaimali ekhaya (ukuba nje ivela kumvuzo okanye kulondolozo). Nangona kunjalo, le mali iyonke igcinwe kwi- € 10 ngomntu ngamnye.
Ndiyifaka njani imali kwi-ATM?
amagqabantshintshi yenza idiphozithi imali kwi-ATM?
- Yiza nekhadi lakho lebhanki, yile nto iza kukuvumela ukuba uchongwe xa ufaka imali .
- Bala inani leemali zebhanki uze uwahlule ngamahlelo, ukonga ixesha xa ufaka imali.
- Faka inani lilonke le imali ifayiliwe.
Ndilufaka njani utshintsho kwibhanki yogcino? Idiphozithi ingenziwa kwikhawuntara ye IBhanki yokonga, ngeeyure eziqhelekileyo zokuvula (inkonzo ye-Express Depot) kunye/okanye kumatshini okanye kwindawo yokwamkela oomatshini IBhanki yokonga, ngexesha nangaphandle kweeyure zokuvula (inkonzo yeDiphozithi yoSuku / yasebusuku).
Indlela yokuhlawula isixa esikhulu kumntu ngamnye? Kungcono ujike kwitshekhi. Ngokuchanekileyo, thintela itshekhi yakudala enokuthi ibe ngaphandle kwemali, kodwa khetha isheke yebhanki. Ikhutshwe yibhanki, iqinisekisa ukuba imali ikhona kwaye iyayivimba de umxhamli akhuphe itshekhi.
Indlela yokuthengisa imali?
Enye indlela yokuphuma imali kunzima ukuzithengisa. Abanye abarhwebi bafuna rhoqoimali ukuthenga iimveliso ngaphandle kokuzichaza. Ngovuyo batshintshiselana ngetsheki ngaphandle kweodolo yesixa esilinganayo semali.
Zeziphi iindlela ezahlukeneyo zokuhlawula? Nalu uluhlu lweendlela eziphambili ze inkokhelo .
- Itshekhi.
- Amakhadi ebhanki.
- Uhlobo.
- Enye indlela ye inkokhelo .
Uyigcina phi imali yakho?
Ungayigcina Argent ebonakalayo ebhankini ekhuselekileyo okanye ekhayeni lakho, kodwa oku kubandakanya umngcipheko othile. Siyaleza endaweni yoko isitokhwe yakho Argent kwiindawo zokugcina ezikhuselekileyo, ngaphandle kwenkqubo yebhanki.
Ngaba sinokufaka itshekhi kwi-akhawunti ye-nickel? Abanini bezigidi ezi-2 ze Iiakhawunti ze-nickel zinako ukususela ngoku idiphozithi des iitsheki. Inkonzo ekudala ilindelwe nengazange ibonwe ngaphambili compte yentlawulo, kodwa engayi kuba simahla. … Abathengi be nickel, ngaphezu kwezigidi ezi-2 eFransi ngoku, kungaba ukususela ngoku idiphozithi des iitsheki phezu kwabo compte.
Ndilwenza njani utshintshelo ukusuka kwenye iakhawunti ukuya kwenye?
Uyenza njani into yokuhambisa kwibhanki nganye?
- Yiya kwithebhu ugqithiselo .
- Ngenisa inani leefayile ze compte umthumeli.
- Ngenisa inani leefayile ze compte indlalifa.
- Ngenisa isixa se ukudlulisa .
- Khetha ukuphindaphinda okanye hayi.
- Khetha imali, ukuba ukudlulisa International.
- Jonga ulwazi.
- Qinisekisa inkqubo.
Indlela yokuqinisekisa imvelaphi yeemali? Obu bungqina bunokuba yikopi yetayitile yentengiso (kwimeko ye imali ukusuka kwintengiso ye-real estate), ikopi yetayitile yokulandelelana okanye isiliphu somvuzo.
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.
Ngaba ibhanki ingala ukudluliselwa? "Nye ukudlulisa interbank kungaba ingakhatywa ngenxa yokuba iinkcukacha zebhanki zomamkeli we-akhawunti ukudlulisa azichanekanga, nokuba kungenxa yeakhawunti yomamkeli Est ivaliwe okanye ngenxa yokungabi namali.”