Shintsha amabhange ukuze wehlise izindleko ukuphathwa kwe-akhawunti
Amathuba amaningana ayatholakala kuwena ukuthi uwashintshe: Ungakhetha ibhange eligama layo izindleko ukugcinwa kwe-akhawunti kubiza kancane. Ukuze wenze lokhu, ungasebenzisa isiqhathanisi esiku-inthanethi se Amacala asebhange kuye ngezifunda.
Futhi, yiziphi izindleko zokunakekelwa kwe-akhawunti? I izimali zokunakekela i-akhawunti ziyi we izindleko ezihlanganisa ukuphathwa kwe compte ebhange. Zingase zihluke ukusuka kwelinye ibhange kuye kwelinye, futhi kufanele zivele esivumelwaneni esisayinwe lapho kuvulwa compte ebhange. Ngakho, ikhasimende ukwaziswa inani izimali zokunakekela i-akhawunti isicelo.
Kungenzeka yini ukubuyiselwa izindleko zebhange? Ukwenqatshwa kokudonswa kwemali okuqondile noma ukukhokha ngesheke okukhiqizayo Amacala asebhange. Ngendlela efanayo ne- izindleko ikhomishana yokungenelela uma kwenzeka kune-overdraft, kungenzeka ukucela nokubuyisela ngokuthumela incwadi esikhungweni sezimali.
Ingakanani inani eliphakeme lezindleko zasebhange ngenyanga? amabhange French kukhona bazibophezele, kumakhasimende abo esimweni sobuthakathaka bezezimali, ukuhlanganisa konke izindleko izehlakalo yasebhange (kuhlanganise namakhomishini okungenelela) ngo-€25/inyanga enkulu. Uma utholwa njengomuntu obuthakathaka, ibhange lakho kufanele limise le cap ngokuzenzakalelayo.
Nokho, ngingayithola kanjani imbuyiselo yezindleko zekhomishini yokungenelela?
Uma ubhekene ne-a ikhomishana yokungenelela ngokuhlukumeza, ungacela umeluleki wakho wasebhange noma umnyango wamakhasimende ebhange lakho nokubuyisela njengendlela yokuthengisa. Isicelo sakho singase samukelwe uma kwenzeka kuba ne-ovadraft engavamile noma ukukhishwa kwe-ovadraft kokuqala.
Ngizibala kanjani izimali zokunakekela i-akhawunti?
Isiphetho: The izindleko amabhange angaphansi kwe-VAT aqoshwa njengemali edonswayo ebhange compte 627 "Ukubhenka kanye nezinsizakalo ezifanayo" kuyilapho lezo ezingakhokhi intela zirekhodwa ku compte 661 “Izinkokhelo zenzalo”.
Kuyini ukugcinwa kwe-akhawunti? Izindleko ukuphathwa kwe-akhawunti, c'yini kahle ? Uqaphele inkokhiso ukuphathwa kwe-akhawunti esitatimendeni sakho sasebhange? Zihambisana nezindleko zebhange ezikhokhiswa ibhange lakho zokuphatha ibhange lakho compte ebhange. Lezi zindleko zisebenza ku akhawunti esebenzayo futhi engasebenzi.
Kuyini ukunakekela i-akhawunti? Izindleko ukuphathwa kwe-akhawunti enze kube nokwenzeka ukukhokhela ibhange ngezinkonzo qu'inikeza abanikazi be-a compte ebhange. Akhokhiswa kakhulu uma kutholakala indlela yokukhokha, isheke noma ikhadi lasebhange.
Ngingabuyiselwa kanjani nge-Irreg nezindleko zesigameko?
Indlela yokugcina yokuthola i- nokubuyisela wakhe izindleko okungahambi kahle kanyeizigameko ubulungiswa. Kuye ngesamba se izindleko, nali ikhambi okufanele ulicabangele: Inani elingaphansi noma elilingana nama-euro angu-10: Inkantolo Yesifunda. Inani elikhulu kunama-euro angu-000: I-Tribunal de Grande Instance.
Ungayithola kanjani imbuyiselo ngebhange? Ukuze uthole imbuyiselo, kufanele ubike ukukhwabanisa kwakho ibhange kungakapheli izinyanga eziyi-13 ngemuva kosuku lokudonswa kwemali. Lesi sikhathi siyizinsuku ezingama-70 uma ukusungulwa komhlomuli wenkokhelo se etholakala ngaphandle kwe-European Union noma i-European Economic Area (izihloko 133-1-1 kanye no-133-24 zeKhodi Yezimali Nezezimali).
Ungakucela kanjani ukubuyiselwa imali ebhange?
Uzodinga: Xhumana nebhange lakho ukuze ubike iphutha futhi cela ukubuyiselwa imali. Lokhu kungenziwa ngomlomo kanye/noma ngeposi elibhalisiwe. Uma kungekho mpendulo enikeziwe, ikhasimende lingathinta umnyango wezikhalazo we ibhange noma umphathi wegatsha.
Kungani amabhange ekhokhisa izimali eziningi kangaka? I ibhange kukuthatha ini izindleko ebhange lapho ukudonswa kwemali okuqondile kuvela ku-akhawunti yakho futhi ingekho imali eyanele ukuyikhokha. Hhayi kuphela ibhange inqaba intela ukuze inhlangano ingakhokhi.
Imaphi amanani aphezulu ezimali ibhange elingawakhokhisa ngokwenqaba inkokhelo kulandela ukuntuleka kwemali?
131-25 weKhodi Yezimali Nezezimali): the inani eliphezulu lemali ekhokhwayo Ibhange lingama-euro angama-30 uma lenqatshwa disheke d'ufulawa inani ngaphansi noma kulingana nama-euro angu-50, kungama-euro angu-50 uma kwenzeka isheke elinqatshiwe d'ufulawa inani ngaphezulu kwama-euro ayi-50.
Yiziphi Izindleko Zokungalungi Nezehlakalo?
Les izindleko ofokungahambi kahle futhiizigameko yizibalo ezikhishiwe ku-akhawunti yakho ukuze kugunyazwe iqiniso lokuthi weqe imali engaphezulu kwe-overdraft yakho egunyaziwe ngokukhokha, ukudlulisa, njll. izindleko ukubhenka akufani kuye ngamabhange endabuko noma amabhange aku-inthanethi.
Uyithola kanjani imbuyiselo yedebhithi ehlukumezayo? Ukuhoxiswa okungafanele : indlela yokuthola imbuyiselo ? Empeleni, umthengi olimele kufanele ethule sa isicelo nokubuyisela à sa ibhange ngaphambi kokuphela kwesikhathi samaviki angu-8 kusukela ngosuku imali edonswe ngalo.
Asebenza kanjani amakhomishana okungenelela? I ikhomishana yokungenelela ikhokhiswa ngokushesha lapho i-akhawunti yekhasimende isidonswe ngokweqile noma ngokushesha nje lapho inani le-overdraft eligunyaziwe leqiwe. Amabhange angayilanda ngenkokhelo ngayinye ngesheke noma ngekhadi lasebhange elicelwe ikhasimende.
Ngingazibala kanjani izindleko zama-invoyisi?
Ngokusebenza, futhi ngokujwayelekile, izimali zokukhokha zirekhodwa ngqo ku-akhawunti yokuthenga. Kungenzeka futhi ukusebenzisa i-akhawunti ye-608 ye izindleko izesekeli ekuthengeni. Ngokubona kwami, lezi izindleko kufanele ngempela ingene ekulinganisweni kwamasheya.
Isebenza kanjani i-akhawunti ye-512? Isibonelo: ikhredithi yama-euro ayi-100 ku- compte ibhange 512 ihambisana nedebhithi engu-100 yama-euro erekhodiwe esitatimendeni sasebhange. Lokhu kusho ukuthi uma inkampani yenza idiphozi ebhange, ibhange liyikweleta, lisuke liyikweleta inkampani ngale samba.
Iliphi ibhange elikhulu kunawo wonke eFrance?
I-BNP Paribas ihlala phezulu ohlwini lomsebenzi wayo kanye nenzuzo yayo. Isabelo seqembu lemali engenayo lama-euro ayizigidi eziyizinkulungwane eziyi-8,173 siqinisekisa ubuholi baso! Bona okunikezwayo: gcina! : ♥ Crédit Agricole EKO ngama-euro ama-2 kuphela ngenyanga ngekhadi yasebhange, uhlelo lokusebenza lweselula kanye ne-ejensi.
Kungani sikhokha imali yasebhange? THE Amacala asebhange axhunywe kumasevisi anikezwa yibhange noma iziphambeko ekusebenzeni kwe-akhawunti noma izehlakalo zokukhokha.