Inqubo ye- vala incwajana encane imi kanje: Umnikazi kufanele aye ku-ejensi yokubamba ukuze asayine ifomu lokuvala Ibhukwana Lentsha. Uma ikhadi ledebhithi lixhunywe ku- Ibhukwana Lentsha, kufanele ibuyiselwe ebhange ngumnikazi wayo.
Ngendlela, yimaphi ama-akhawunti anenzuzo kakhulu? I-akhawunti ukuthi ingenisa okuningi of interest is the incwadi Isikhwama Sokulondoloza Sabantu (LEP). Njengamanje usehola u-1,25% ngonyaka. I-LEP ibekelwe abantu abahola kancane.
Ungavala kanjani ibhukwana le-Young BNP? Ngoba ukuvala i-akhawunti yokonga ye-Young BNP I-Paribas kusengaphambili (ngaphambi kweminyaka engama-25), kungcono ukuthumela incwadi ebhalisiwe evuma ukuthi uyitholile egatsheni. BNP I-Paribas, ephethe i- Ibhukwana Lentsha. Ucingo lukhululekile.
Kungenzeka yini ukuba nezincwajana ezi-2 zentsha? eyodwa kuphela incwajana young is kuvunyelwe ngomuntu ngamunye. Kungenzeka ukuyihlanganisa ne-a incwadi Ine-a incwadi uhlelo lokonga (LEP) noma a incwadi yentuthuko esimeme futhi ebandakanyayo (LDDS). Wonke amabhange anikeza a incwajana encane.
Nokho, ungayidlulisela kanjani i-Akhawunti Yentsha isuka kwelinye ibhange iye kwelinye?
Imithethonqubo ayikuvumeli ukudluliswa a I-passbook yentsha evela ebhange ngase a elinye ibhange inqobo nje uma bengeyona ingxenye yenethiwekhi efanayo.
Ungabeka kuphi imali yakho ukuze ilethe kakhulu?
Yiziphi izimali ezitshaliwe ezinikezela ngembuyiselo engcono kakhulu esikhathini eside?
- Tshala imali emakethe yamasheya usebenzisa i-PEA noma i-akhawunti yezibambiso. Amasheya ayisigaba samafa qui inikeza imbuyiselo ephezulu kakhulu esikhathini eside. …
- I-Equities: i-investimenti futhi eyingozi kakhulu…
- Umshwalense wempilo wokuhlukanisa ukonga kwakho.
Iyiphi incwajana ezuza kakhulu ngo-2022? Njengoba kumenyezelwe uBruno Le Maire maphakathi no-January, izinga Incwajana I-A ikhushulwe isuka ku-0,50% iye ku-1,00% ngo-1er February 2022. Kusukela ngalolu suku, kumuntu ofinyelele ophahleni, okungukuthi ama-euro angama-22 (ngaphandle kwenzalo), inzuzo ifinyelela kuma-euro angama-950 ngonyaka, ngokumelene nama-euro ayi-229 ngaphambili.
Yini ekhokha ngaphezu kwe-Livret A? i incwadi sawubona bank ikhokha ngaphezu kwencwajana A
Njengoba ungabona kusiqhathanisi sethu incwadi ukonga, i incwadi sawubona bank kuyinto le incwadi ukonga okukhokhayo le more namuhla ngenani elijwayelekile eliphelele: 2,00%. Uma sisebenzisa intela engu-40%, sithola isilinganiso sensalela esilinganayo esingu-1,20%.
Ungalivala kanjani ibhukwana lakho le-A BNP?
Vala a incwadi ukonga BNP I-Paribas yenziwa ngokuthumela incwadi ebhalisiwe esikhungweni othembele kuso, ecacisa ukuthi iyiphi i-akhawunti ofisa ukuthi leyo mali ekhona idluliselwe kuwena. Nokho, phawula ukuthi kuwumkhuba wamabhange ukuthatha isikhathi ngaphambi kokubuyisela izimali.
Iyiphi i-akhawunti ngemva kwencwajana encane? Uma uhlela ukuthenga ikhaya, i-PEL (Plan Epargne Logement) iyisinqumo esinengqondo ukuze uphumelele incwajana encane. Ungakwazievulekile okungenani ngama-euro angama-225, futhi utshale imali efinyelela kuma-euro angama-61. Kuwutshalomali oluhlelelwe okungenani iminyaka emi-200 futhi kufanele ukhokhe okungenani ama-euro angama-4 ngenyanga.
Ngingakwazi ukuhoxa ku-Livret A yendodana yami?
Ukuhoxiswa okungenzeka ku- Incwajana A kanye ne izincwajana yasebhange
Futhi kuleli phuzu, umthetho ucacile: “Ukuphatha okungokomthetho kungokwabazali. Uma igunya labazali lisetshenziswa ngokuhlanganyela yibo bobabili abazali, ngamunye wabo ungumqondisi wezomthetho.
Iyiphi i-akhawunti engingaba nayo impinda? Ngokomthetho, ungavula ama-akhawunti amaningi asebhange ngendlela ofuna ngayo. Ayikho imingcele. Ngakho-ke kungenzeka ukuthi ube nama-akhawunti amaningana ebhange elilodwa noma i-akhawunti eyodwa/ambalwa emabhange ahlukene. Kweyesibili, inegama; lokhu kubizwa nge-multi-banking.
Ingabe i-Livret Jeune ivinjiwe?
Ngosuku lokuzalwa lomnikazi wama-25, i incwajana encane ivaliwe ngokuzenzakalelayo et imali edluliselwe ku-akhawunti eqokwe yi-akhawunti yokugcina noma i-akhawunti esolisayo, njenge- Incwajana A uma iklayenti linayo. Lokhu kuvalwa okuzenzakalelayo kwenzeka ngoDisemba 31 wonyaka wosuku lokuzalwa lomnikazi wama-25.
Ngubani othola i-Livret A noma i-Livret Jeune kakhulu?
Nge-euro yokuqala eyi-1 elondoloziwe, i incwajana young is okungenani njengenzuzo lokho le incwadi A (kusukela ngezinga lokukhokha kuyinto okungenani okufanayo) kodwa ngokuvamile more onenzuzo eqinisweni njengoba amabhange ngokuvamile enikeza inani elingcono lalo mkhiqizo ukuze ahehe amakhasimende.
Imaphi ama-passbook esingawadlulisela phakathi kwamabhange? ngoba kuleli zinga imithetho kukhona impela eqinile.
- Incwajana A, LDD, LEP. i Incwajana A ayikwazi ukudluliselwa. …
- Izincwadi zasebhange intela, ama-akhawunti wethemu. Lezi izincwajana kukhona ethize komunye nomunye ibhange . ...
- I-PEL ne-CEL. Inqubo ye ukudluliswa ye-PEL ne-CEL kungenzeka uma kwenzeka ushintsho ibhange . ...
- I-PEA, i-akhawunti yezibambiso. …
- Umshwalense wempilo.
Kungenzeka yini ukudlulisa i-Livret A? i incwadi A kuyinto umkhiqizo okonga olawulwa uhulumeni futhi awenzikuyinto ngakho-ke ngaphansi kokuncintisana ngama-rates. kukhona Ngakho-ke kungenzeka ukudlulisa i-passbook A kunoma yisiphi esinye isikhungo samabhange e-France ngenkathi sizuza ezimweni ezifanayo zokusebenza namasevisi.
Indlela yokudlulisa ama-akhawunti?
khetha ukuzithathela izinyathelo wena: kufanele ucele ibhange lakho lomdabu ukuthi ukudluliswa Wena akhawunti, bese uthumela ezinhlanganweni ezidlulisa imali futhi zidonse imali ngqo kweyakho compte ibhange lendabuko, isitatimende sakho esisha sikamazisi wasebhange (RIB) ukuze baqophe ...
Ungatshala kuphi imali yakho ngo-2022 ngaphandle kwengozi? TSHA IMALI YAKHO : IZINDAWO EZINGU-8 UKWAZI 2022
- Tshala imali imali yakhe kumshwalense wempilo.
- Uhlelo lokonga lomhlalaphansi.
- Ama-SCPI.
- Izimakethe zezimali.
- Izindlu ezithengiswayo eziqondile.
- Imikhiqizo eyakhiwe.
- Ukulingana kwangasese.
- Ukutshalwa kwezimali okunesibopho.
Ungayitshala kuphi imali yakho ngo-2022?
Ukutshalwa kwezimali okuhle kakhulu ongakuthanda 2022 “isizukulwane esisha” izindlu kanye nomshwalense, imali eyimfihlo, ukuqashwa okunikelwe, izimali ezihleliwe, ukulingana kwangasese, i-metaverse,utshalomali emikhakheni emisha kanye nama-SCPI aqinile.
Ungatshala kuphi imali yakho ngo-2021 ngaphandle kwengozi? Tshala imali yakho ngo-2021 ngaphandle kobungozi naphezu kwenkinga yezimali
- i-PEA (Plan d'Epargne en Actions), iphothifoliyo eyenziwe ngamasheya, ama-FCP kanye nama-SICAV atshalwe e-Europe;
- izindlu eziqashisayo;
- i-SCPI (Société Civile de Placement Immobilier), ukuze utshale izindlu nomhlaba ngokusebenzisa inkampani yokutshala imali;