Inhlokodolobha ibekwe phezu isikwele esiluhlaza okwesibhakabhaka kufanele abe nobuncane be-€6000, uzozizela yena ukuze ondle i-PEL isikhathi sokutshala iminyaka emi-4 noma engu-8. Kuso sonke isikhathi sokutshalwa kwezimali, inkokhelo iqinisekisiwe ekubhaliseni futhi ilungisiwe.
Ngaphezu kwalokho, ungayivala nini i-PEL? Ukuvala kwe sizo phakathi kweminyaka emi-4 neyi-10
Ngemva kweminyaka engu-4 ikhona, umsindisi nganoma yisiphi isikhathi angakwazi ukuhoxisa imali yakhe futhi avale uhlelo ngaphandle kokulahlekelwa izinzuzo ezinikezayo kumbandela: ukuthatha imali yokuthenga indlu; ukugcina ukonga isikhathi esingaphezu konyaka ongu-1 ngaphandle kokuthatha imali ebolekiwe.
Uyini uphahla lwe-Livret A? Qaphela: I uphahla lwencwajana A kuyinto isethwe ku-€22 kubantu ngabanye kanye nama-€950 ezinhlangano, ngaphandle kokubalwa kwenzuzo enkulu.
Iyini i-akhawunti ye-Crédit Agricole securities? i akhawunti-izibambiso Okuvamile (CTO) kuyinto un compte ukuhlukanisa izimpahla zayo futhi okuhloswe ngayo ukurekhoda ukuthengiselana okuhlobene namathuluzi ezezimali (amasheya, amabhondi, i-UCITS, njll. Isi-French, European noma international).
Nokho, iyini i-Cap Découverte Credit Agricole?
Cape Discovery East i-Multi-support life insurance policy efakwe yi-Predi s ca (inkampani engaphansi komshwalense wempilo ka credit Agricole Umshwalense) okuvumela ukuthi uthintane nathi Sithatha iphrofayili yakho ukuze sichaze ukusatshalaliswa kwezimali zakho ngokuqhubekayo. capital.
Indlela yokuvala i-PEL ngaphandle kwephrojekthi yezindlu?
Ukuvala i- sizo, okumele ukwenze ukufaka isicelo sokuvala ebhange lakho. Uma lokhu kuwukuvalwa kokufaka isicelo sokubolekwa imali engenakususwa, kufanele nje ukucacisele ibhange lakho lapho ufaka isicelo sokubolekwa imali. Ngakho, ibhange lizokwazi ukwengeza efayeleni lakho umnikelo we- sizo.
Uyithola kanjani imali ku-PEL yakho? Kungenzeka yini ukukhipha imali ku-a sizo ? Cha, a sizo i-akhawunti yokulondoloza engakuvumeli ukuhoxiswa kwemali etshaliwe. Uma usanquma alulame yokugcina, i sizo izovalwa ngokuzenzakalelayo.
Kuyini iphuzu lokugcina i-ELP? Yebo gcina i-PEL esanda kuvulwa ingaphezu kwazo zonke izindlela zokuzivikela ekuncishisweni kwezinga lenzalo.intérêt, kuhlukile ezinhlelweni ezineminyaka eminingi ewashini.
Uyini uphahla lwe-Livret A ngo-2022?
Njengoba kumenyezelwe uBruno Le Maire maphakathi no-January, izinga Incwajana A kuyinto isitatimende sisuka ku-0,50% siye ku-1,00% ku-1er February 2022. Kusukela ngalolu suku, kumuntu ofinyelele i kubekwe umkhawulo emiholweni yezimenenja, okungukuthi ama-euro angu-22 (ngaphandle kwenzalo), inzuzo ifika kuma-euro angu-950 ngonyaka, uma iqhathaniswa nama-euro angu-229 ngaphambilini.
Ungayibeka kuphi imali yakho lapho i-Livret A igcwele? Umshwalense wempilo unikeza isilinganiso esihle kakhulu sokuzola/inzuzo: onenzuzo enkulu kune-a incwadi, futhi inengozi encane kunezitoko. Esikhathini eside (ubuncane beminyaka emi-2), kuwukwesekwa okuhle kakhulu ukubeka kuphi wena Imali.
Uyini uphahla lwe-Livret A ngo-2020?
221-2 weKhodi Yezimali Nezezimali ikhawulela uphahla lwencwajana A ngama-euro angama-22.950. Nokho, kukhona okubili okuhlukile: izinhlangano, lapho inani eliphezulu kuyinto isethwe kuma-euro angama-76.500, kanye nezinhlangano zezindlu ezingabizi kakhulu (HLM) ezingakwenzi lokho kukhona akukho mkhawulo.
Isebenza kanjani i-akhawunti yesibambiso? Uyini umsebenzi wayo? Yena imisebenzi kufana ncamashi ne compte ezejwayelekile, okungukuthi, ungakhokha ngemali, uhoxe kuyo. Umehluko kuphela ukuthi lokhu compte ngokungeziwe iphethe izimpahla zezimali. Imali evela kulezi zimpahla iqoqwa kuyo.
Ungayithola kanjani imali ku-akhawunti yokuphepha?
Thola imali ku-akhawunti-ukuphepha Kulula kakhulu: vele wenze ukudlulisa kusuka ephaketheni lemali le compte-ukuphepha kweyakho compte ibhange elijwayelekile.
Uyithola kanjani imali ku-akhawunti yezibambiso ze-Crédit Agricole?
Ukuhoxisa imali engenayo (inzalo kanye nezabelo) kanye nenzuzo yemali ekhiqizwe inkampani yakho compte-ukuphepha, inqubo ilula kakhulu. Ngempela, imali yakho ewinile ikhokhwa ku- compte ukheshi ohlobene ne-CTO yakho, lapho ungenza khona ukudlulisela ngqo kwakho compte isikhulu.
Ngingakwazi ukukhipha wonke umshwalense wami wempilo? YEBO - Ungenza ukuhlengwa okuyingxenye noma okuphelele (ukuhoxa) nganoma yisiphi isikhathi. Ungakwazi ukuhoxisa imali yakho umshuwalense wempilo ngaphambi nangemva kweminyaka eyi-8. Imali yakho ihlala ikhona. Ukuhlengwa kungenzeka nganoma yisiphi isikhathi ngisho kusukela onyakeni woku-1.
Ungayivala kanjani i-akhawunti yaseCap Découverte? Ngokuvumelana nemithethonqubo ehlinzekwe kumshwalense wempilo, unenketho yokulahla ubulungu bakho zingakapheli izinsuku ezingama-30 zekhalenda kuphothulwe ubulungu bakho.
Kuthatha isikhathi esingakanani ukuvula umshwalense wempilo?
Le isaziso zomthetho Ukuvula izimali, ezinqunywa ngenyanga eyodwa, azigcinwa njalo. Uma ifayela seliqedile, umshwalense ngokomthetho unenyanga eyodwa Ukuze uvule imali (ngesheke noma ngokudluliswa kwebhange).
Iyiphi idokhumenti yokuvala i-PEL? ngoba vala eyakho sizo, kufanele nje wenze isicelo de ucingo eduze de ibhange lakho. Uma kuwuthango ngoba faka isicelo semali mboleko yezindlu, okumele ukwenze nje de cacisa lokhu ebhange lakho uma de isicelo sakho de ngomumo. Ngakho, ibhange lizokwazi ukukwengeza kweyakho i-dossier umnikelo we sizo.
Ikhokhiswa nini intela i-PEL?
Uma uhlelo lunobude besikhathi obungaphezu kweminyaka eyi-12, inzalo ekhiqizwa unyaka ngamunye (ngaphesheya komhla we-12) kuyakhokhiswa intela kwintela yeholo.
Yiliphi izinga le-PEL ngemuva kweminyaka eyi-10? Lolu hlelo "oluphelelwe yisikhathi" luyaqhubeka nokwenza inzuzo, izinga Isamba esingu-2,50% sazo zonke izinhlelo ezigubhayo njengamanje iminyaka 10, njengoba kunjalo naku-Anna noPatricia. OkaPatricia- sizo ukufika ku iminyaka 10 ngo-Ephreli 2021 - lesi sigaba sokulinda sikhawulelwe ku-5 ans.