Ukuze uxhume, kuzodingeka ukuthi ucele ukusetha kabusha iphasiwedi endaweni yesikhulumi. Iphasiwedi entsha ithunyelwa ngeposi phakathi kwezinsuku ezi-2 kuya kwezingu-3. Kungakwaziswa futhi ekwamukelweni kwegatsha lasebhange, ngokwethula umazisi.
Ngaphezu kwalokho, indlela yokubamba umlamuleli weCaisse d'Epargne? 5.3 Ungaxhumana kanjani nomlamuleli ? Inqubo ye kucocisana kulotshiwe. i umlamuli noma isevisi ye kucocisana okunamathiselwe, nokho, ngokuzihambela kwayo, ukuxhumana ngocingo, ngefeksi noma nge-imeyili neklayenti noma izinkonzo ze- Savings Bank I-Ile-de-France noma nini lapho ebona kufanele.
Ungakhononda kanjani ngeBhange Lokulondoloza? Ungafaka isikhalazo ngqo ne-ejensi yakho. Uma inkinga iqhubeka, ungaxhumana nesevisi yobudlelwano bamakhasimende ngocingo (ku-09 69 36 27 38) noma ngeposi ekhelini kuye ngendawo yangakini.
Ngingaxhumana kanjani nabaphathi beBhange Lokulondoloza? Ungakwazi ukuthintana indlunkulu Savings Bank ngocingo ngokushayela ku-01 48 14 44 20 mahhala phakathi kuka-9 ekuseni no-17 p.m., ngoMsombuluko kuya kuLwesihlanu.
Nokho, yiziphi izinqubo okufanele uzilandele ukuze uvule i-akhawunti yasebhange evinjiwe?
Ukubuyisana nomsizi wesikhonzi senkantolo de ubulungiswa
Uma wakho i-akhawunti yasebhange ivinjiwe kusalinde ukukhokhwa kwesikweletu, lungisa isimo ngokukhokha de owakho. ngoba ukuthi, uxoxisane nomsizi wesikhonzi senkantolo de ubulungiswa ngokucela okumangalisayo de isikweletu sakho. Eyakho compte kuzoba njalo ivulekile.
Yini i-akhawunti evinjiwe?
Qu'iyi-akhawunti yasebhange evinjiwe ? A compte en ibhange livinjelwe kusukela ngesikhathi umnikazi wayo engasakwazi ukuyifinyelela. Isenzakalo esinjalo singase senzeke ngemva kwesinqumo se ibhange noma ngenxa yesehlakalo sangaphandle.
Kungani i-akhawunti yasebhange ivinjiwe? Ubani onelungelo loku block un I-akhawunti yasebhange ? A I-akhawunti yasebhange kungaba ivinjiwe ngesicelo sababambiqhaza abambalwa. Ngemva kokufaka ikhodi engalungile izikhathi ezi-3, a I-akhawunti yasebhange se vimba ngokuzenzakalelayo amahora angama-48. Ngemuva kwalesi sikhathi, ukukhishwa kuyazenzakalela.
Ubani ongavimba i-akhawunti? A compte yasebhange unga avinjwe yibhange ekupheleni kwenqubo yokutholwa kwezomthetho noma kwamanye amacala ahlukahlukene.
Ungayakha kanjani i-akhawunti evinjiwe ebhange?
Izinqubo zokuvula i-akhawunti evinjiwe
Uma unquma ukubhalisa ku-a i-akhawunti yasebhange efriziwe ekusungulweni kwendabuko, kuyokwanela ukwenza isicelo kumeluleki wakho yasebhange,kuye a compte zakudala.
Ingabe ibhange linelungelo lokuvimba i-akhawunti? i ivimbela a I-akhawunti yasebhange by ibhange can futhi kusho ukwenqatshelwa yasebhange ukushaya umnikazi wayo kulandela ukukhishwa kwesheke le-NSF, ukusetshenziswa kabi kwekhadi lesikweletu, njll.
Iyini i-akhawunti yokuphikisa?
Un i-akhawunti ehlukile un compte ukubhanga kwamanje komuntu noma uchwepheshe ngubani ivinjwe yibhange ngendlela yomuntu noma ezenzakalelayo.
Ungayivikela kanjani imali yakho ekubanjweni? Ibhange lakho kufanele lenze isimemezelo sezibalo onazo ku-akhawunti yakho, kodwa kufanele okungenani ube nesamba esingu-€499,31 esisele ngemva kokuquleka. Uzothola, ezinsukwini eziyi-8 zakamuva ngemuva kosuku kokuquleka, isaziso esivela kumsizi wesikhonzi senkantolo esikwazisa ukuthi lezi zibalo zivinjelwe.
Indlela yokukhipha imali ku-akhawunti evinjiwe?
Ungayihoxisa kanjani imali a i-akhawunti evinjiwe ?
- Xhumana nebhange lakho.
- Faka umeluleki wakho webhange.
- Yenza umbiko wesikhonzi senkantolo ukuze uvulele compte .
Ingabe ibhange lami linelungelo lokuvimba ikhadi lami?
Ukuvinjwa kwe ma CB uma kwenzeka ukweba noma ukuphanga
Esimeni sokusolwa kokweba noma ubugebengu, njengokuthengiselana okwenziwa phesheya uma kubonakala emlandweni wezindleko zakho zokugcina ukuthi useFrance, ibhange lami unga vimba ikhadi lami lesikweletu.
Ingabe isikhonzi senkantolo sinelungelo lokuvimba i-akhawunti yami? L'umsizi wesikhonzi senkantolo wobulungiswa kumele enze isenzo sokushaqa compte ibhange lomkhokhi. Lo mbhalo wazisa ibhange ngokuthathwa kwe- compte. Okokufaka kuyinto Isenzo sokwahlulela lapho kufanele a umsizi wesikhonzi senkantolo impoqo. i umsizi wesikhonzi senkantolo ngempela igunya lokuthumba.
Ngiyivula kanjani i-akhawunti yami ye-Credit Mutuel? Uyalazi igama lakho lomsebenzisi nephasiwedi, kodwa ivinjiwe. ungakwazi uvulele, inqobo nje uma ubhalise inombolo yocingo emininingwaneni yakho yomuntu siqu.
Ayini ama-akhawunti asebhange angatholakali kalula?
Il kuyinto unqatshelwe ukuthatha zonke izibalo ezitholakala kuma-akhawunti akho yasebhange, ngisho noma inani elifunekayo kuyinto enkulu kunebhalansi etholakalayo. Uma ngosuku lokubanjwa, ungaphansi kuka-€564,78 noma u-€564,78 nje kuphela I-akhawunti yasebhange, bese eyakho i-akhawunti ithi ishiywe njengoba injalo.
Ngisicela kanjani isikhathi somusa? Izicelo ze Isikhathi somusa ngokuvamile kwenzeka ngesikhathi sokuqulwa kwecala. Kulokhu, umkweletu kufanele asho nje owakhe isicelo ejajini eliphethe icala, kungaba ngeziphetho ezithathwe ummeli walo, noma ngokuveza lokhu ngqo isicelo ngomlomo enkantolo.
Yibuphi ubuncane obunikezwa isikhonzi senkantolo?
Uma ukubuyiselwa kuthinta isimangalo senani elingaphansi noma elilingana no-€5, umkweletu unga, ngesivumelwano sokweleta, cela ngokuqondile a umsizi wesikhonzi senkantolo sobulungiswa isiqu esiphoqelelayo: lokhu kuzomvumela ukuthi athole ukubulawa ngenkani ngaphandle kokuya enkantolo.
Ngingakwazi ukukhipha imali ngaphandle kwekhadi lami lasebhange? Okufanele ukwenze ukuthi uzethule unobufakazi obusemthethweni bokuthi ungubani (Carte umazisi kazwelonke, ipasipoti, njll.) kanye nokudweba isheke elibonisa inani le ukuhoxiswa. Ezikhathini eziningi, lo myalelo wokukhokha kufanele wenziwe egameni lebhange noma nge-oda lalowo ophethe.
Lapho ibhange livimba ikhadi lesikweletu?
a Ikhadi lasebhange kuthiwa " ivinjiwe » lapho ungasakwazi ukukhipha imali ku-ATM noma lapho kungenakwenzeka ukuthi ukhokhele ukuthenga kwakho ngayo. Lokhu kuvinjwa kungabangelwa izizathu ezimbalwa: ukufaka amakhodi angalungile izikhathi ezimbalwa, ukweqa i-overdraft egunyaziwe, njll.
Kungani ikhadi lami lasebhange lingangeni? Eyakho Ikhadi lasebhange iphelelwe yisikhathi.
Ngaphambili kwakho Carte ibonisa idethi yokuphelelwa yisikhathi. Uma uphuthelwa lolu suku, eyakho Ikhadi lasebhange yenqatshwa: it ne ayisasebenzi, noma kumdayisi noma kumsabalalisi. Ukuze ukwazi ukukhokha futhi, kufanele ulande entsha yakho Carte nebhange lakho.
Kungani inkokhelo yenqatshwa uma nginemali?
Uma weqe isigunyazo sakho se-overdraft, ibhange linganquma ukuvimba ikhadi lakho lasebhange. Xhumana nomeluleki wakho ngokushesha ukuze wenze isimo sakho sibe njalo. Ungazama ukuxoxisana ngokunyuka kwesikhashana komkhawulo wakho we-overdraft.
Iyiphi impahla umsizi wesikhonzi senkantolo angayithatha? minaumsizi wesikhonzi senkantolo ubulungisa unga yenza izinhlobo ezi-2 zokungenela. Yena unga yenza a kokuquleka okuhlobene nesibopho sokukhokha, inhloso yakho okuwukwenziwa kwesibopho sokukhokha inani elifunekayo. Yena unga yenza a kokuquleka okuxhunyaniswe nesibopho sokwenza, inhloso yakho okuwukwenziwa kwesibopho sokuletha noma ukubuyisela impahla.
Ayini amalungelo ami phambi kwesikhonzi senkantolo?
Theumsizi wesikhonzi senkantolo Inkantolo ingakunika izinhlobo ezahlukene zamadokhumenti: “samasamanisi okufanele ukhokhe” (okulingana nesaziso esisemthethweni sokukhokha), amasamanisi (amasamanisi okuvela ngaphambi kwenkantolo), umyalelo othi ukhokhe, njll.