Kungani ungadluli ama-euro angama-3000 ku-Livret A yakho? Nali inani elifanele ongalonga!

Wake wazibuza ukuthi kungani akufanele wonge ngaphezu kwama-euro angama-3000 ku-Livret A yakho ? Kulesi sihloko, sizohlola ukuthi kungani ukweqa lesi samba kungaba yingozi. Sizophinde sixoxe ngenani elifanele ongalibamba ku-Livret A yakho. Ngakho, hlala nathi ukuze uthole ukuthi kungani kubalulekile ukuthola ibhalansi phakathi kokonga nokutshalwa kwezimali.

Kungani i-Livret A ingadluli ama-Euro angama-3000?

Iqanjwe ngokuziqhenya ngokuthi " inkosi yokutshalwa kwezimali okuphephile » ngesiko lezezimali lesiFulentshi, i Ibhukwana ngokuvamile kuyisinqumo sokuqala salabo abafisa ukufuna ukuvikelwa ngokwezimali.

Kodwa-ke, isasasa elikhulu laleli thuluzi lokonga kufanele linqandwe ngokugcina amadiphozithi endaweni engokomfanekiso engu-3000 euros.

Lesi sibalo, esingase sibonakale singenangqondo ekuqaleni, empeleni sibalwa ngokucophelela. Ngemuva kwalo mkhawulo kukhona uhla lwemiphumela yentela exhunywe nokusetshenziswa kwe-Livret A.

Imiphumela yentela yokugcwalisa i-Livret A yakho kufika emkhawulweni wayo omkhulu

I-charm ye-Livret A ilele esithembisweni sayo sokuvikela ekuhlulekeni kwebhange, okuhambisana nenzalo ekhangayo. Naphezu kwalokhu, ukufinyelela i-dome ye-3000 euros kule akhawunti kungaba nemiphumela engemihle. Ukudlula umkhawulo wamaphupho wama-euro angama-22,950 nokuqhubeka nokukhokha imali kuwo, kungabangela ukusabela kwentela okungu-12% enanini elichichimayo. Iphuzu elingabukela phansi izinzuzo zezezimali ezifunwa kakhulu.

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Ezinye izindlela zokutshala imali ngaphandle kwengozi yezinhlawulo zentela

Kodwa-ke, kunezinye izindlela ezinenzuzo, ngaphandle kwengozi yezinhlawulo zentela. Ibhukwana lentuthuko eqhubekayo nobumbano (LDDS) kanye nohlelo lokonga izindlu (sizo) zingamathuluzi okulondoloza alawulwayo anikeza amanani enzalo afana ne-Livret A, kodwa avumela umthamo wediphozithi omkhulu.

Imikhiqizo yezezimali eyinkimbinkimbi efana namasheya noma amabhondi inganikeza imbuyiselo ephezulu, ngaphandle kwengozi nokulawulwa kwemakethe yezezimali ehambisana nayo.

Iseluleko sami? Yenza ukuhlaziya okuphelele kwesimo sakho sezezimali ngaphambi kokunquma ukuthi ungayitshala kuphi futhi kanjani imali yakho.

Khumbula ukuthi i-Livret A iyisisombululo sokulondoloza isikhathi esifushane nokuthi kukhona ezinye izinketho zokutshala izimali ezinkulu, zesikhathi eside.

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Ingakanani inani elifanele ongalibamba ku-Livret A?

I-Livret A, lo mkhiqizo wezezimali waseFrance othandwa ngabalondolozi, ngokuqinisekile unezintelezi zawo. Ukuba lula kwayo, ukwethembeka kanye nokutholakala kwayo ngokushesha kuyenza ibe inketho ekhethwayo yesikhwama sezimo eziphuthumayo. Kodwa-ke, ikhono layo lokukhiqiza izinzuzo ezibalulekile lilinganiselwe, yingakho isincomo sokuthi singabambi ngaphezu kwama-euro angu-3000.

Kepha-ke, yiliphi inani elifanelekile ongalibeka ku-Livret A?

Ukuze uphendule lo mbuzo, kufanele uqale ucabange ukuthi kungani wonga. I-Livret A yakhelwe ukuthi ibe yisixazululo sokulondoloza isikhathi esifushane. Inhloso yayo eyinhloko ukuhlinzeka ngomcamelo wezezimali wezindleko ezingalindelekile noma izindleko eziphuthumayo. Ngakho-ke, njengomthetho ojwayelekile, ibhalansi efika ku-3000 euros ivame ukutuswa. Lokhu kuvamise ukuba yiholo lanyanga zonke futhi kufanele lanele ukukhokhela lezi zindleko futhi kugwenywe izimali ze-overdraft yasebhange.

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Indima yokwehla kwamandla emali ekukhetheni inani ozolifaka

Ukwehla kwamandla emali, lokho kunciphisa ukonga, kudlala indima ebalulekile ekunqumeni inani elizofakwa ku-Livret A. Naphezu kokwenyuka kwakamuva kwezinga lenzalo ye-Livret A ukuya ku-2%, ngeke kuphumelele ukulinganisa izinga lokwehla kwamandla emali elilindelekile. 5 kuya ku-6% kulo nyaka.

Ezinye izindlela ezinenzuzo enkulu kune-Livret A

Ngenhlanhla, akukhona kuphela i-Livret A yokutshala imali yakho. Ezinye izinketho zokutshala imali njenge-akhawunti yokonga yezindlu noma i-akhawunti yokonga yentuthuko esimeme zinganikeza imbuyiselo engcono kuyilapho zikhawulela ukulahlekelwa amandla okuthenga ngenxa yokwehla kwamandla emali.

Ekugcineni, inani elifanele ongalibeka ku-Livret A yakho lincike ezidingweni zakho siqu, ukubekezelela kwakho ubungozi kanye nezinjongo zakho zezezimali zesikhathi eside. Ukuhlukahluka kanye nokuhlelwa kwezimali kungamagama abalulekile okuphatha ngendlela ephumelelayo ukonga.

Izici zencwajana A:

• Ibhukwana elilodwa kuphela ngomuntu ngamunye, omdala noma omncane. Nokho, ukubanjwa kanyekanye kwencwajana ethi A kanye nencwajana eluhlaza okwesibhakabhaka kokubili kwavulwa ngaphambi komhla woku-1^er September 1979 (usuku lokungena kokusebenza kwesimemezelo no.^o 79-730 ka-Agasti 30, 1979 esuse le nketho) isangenzeka. Lo mthetho awuzange ungabazwe ngumthetho n^o 2008-776 of August 4, 2008 on the modernization of the economy. Kusukela namuhla, Agasti 11, 2010, kungenzeka ukuthi abantu ababephethe incwajana ethi A (evulwe eLa Poste noma eBhange Lokulondoloza) kanye nencwajana eluhlaza okwesibhakabhaka evulwe kwa-Crédit Mutuel ukuba bazigcine (ngaphandle kokuzidlulisela) lezi zincwajana ezimbili.
• Inkokhelo encane lapho kuvulwa: €10 (€1,5 ngencwajana e-La Banque Postale)
• Inkokhelo yanyanga zonke: ayisebenzi (izinkokhelo zamahhala),
• Izinkokhelo kanye nokuhoxiswa kwemali: ngo-2021 umthethonqubo omdala, ongathobeli imithetho usuvuselelwe, izinkokhelo nokuhoxiswa kwemali manje kufanele kudlule ku-akhawunti yokuhlola yomnikazi ofanayo evulwe endaweni efanayo. Ngakho-ke akusanakwenzeka ukwenza ukudluliselwa okuqondile phakathi kwama-akhawunti okonga omuntu siqu kanye ne-fortiori yabanye abanikazi (i-LA, i-LDDS, i-LEP, njll.) noma ukudlulisa ngokuqondile kusuka noma ngokuvuna i-akhawunti yokuhlola kwesinye isikhungo ngisho noma ivulwe egameni lesibambi esifanayo. Ngenxa yalokho, enkampanini efana ne-La Banque Postale, izinkokhelo nokuhoxiswa kwe-Livret A ngokudluliswa akusamahhala njengoba umnikazi we-Livret kudingeka ukuthi abe ne-akhawunti yokuhlola e-La Banque Postale ngaphansi kwezimali ezikhokhwa njalo ngekota.

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Ukuhlolwa kwezinye izindlela esikhundleni sika-Livret A

Kusobala ukuthi Incwadi A kubonakala kuyinketho yokonga ekhangayo ngenxa yobulula nokuphepha kwayo. Nokho, kulabo abanamandla okonga angaphezu kwama-euro angu-3000, kungaba ukuhlakanipha ukucabangela ezinye izindlela ezingase zibe nenzuzo eyengeziwe kuyilapho ubhekisisa ukuphepha.

I-Akhawunti Yokulondoloza Ikhaya (Cel), isibonelo, inketho esebenzayo. Nakuba izinga layo lenzalo lingase libe ngaphansi kwalelo le-Livret A, linikeza ezinye izinzuzo ezifana nethuba lokuthola imali mboleko yendawo ngenani lenzalo elikhethekile ngemva kwesikhathi esincane sokulondoloza. Ngaphezu kwalokho, inzalo kule akhawunti ayikhokhiswa izintela kuze kube unyaka wayo wesishiyagalombili, okuyinde kune-Livret A.

Kepha Ibhukwana lentuthuko eqhubekayo nebumbano (I-LDDS), ihlose ngokukhethekile ukuxhasa ngezimali amaphrojekthi esimeme noma obumbano. Ngokufinyelela ku-12,000 euros kanye nezinga lenzalo elifana nele-Livret A, inketho ekhangayo kulabo abafuna ukutshala imali yabo kuyilapho besekela izimbangela zemvelo kanye nobumbano.

Kukhona nezinye izixazululo zezezimali ezinikeza imbuyiselo ephezulu yokonga okungaphezu kwama-euro angu-3000, okuhlanganisa izinkontileka zomshwalense wempilo, izimali zokutshala izimali ezilinganayo, noma amabhondi. Nokho, lezi zinketho zibandakanya izinga eliphezulu lobungozi futhi zidinga ulwazi oluthile lwezimakethe zezimali.

Okokugcina, kubalulekile ukucabangela izici zomuntu ngamunye ukuze ukhethe indlela yokulondoloza efaneleke kakhulu. Okubalulekile ukuthi ungalinge ubeke wonke amaqanda akho kubhasikidi owodwa, okusho ukuthi, ukushintshanisa ukutshalwa kwezimali kwakho ukuze ulawule kangcono ukonga kwakho.

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