Imbuyiselo yengxenye noma yonke amasheya oboshiwe angacelwa noma nini. Imbuyiselo ye amasheya kungaphansi kokugunyazwa yiBhodi Labaqondisi (inhlokodolobha ye ibhange ayikwazi ukuba ngaphansi kwenani elincane elibekwe imithethonqubo1).
Ngenye indawo, Ungawathengisa kanjani amasheya e-Banque Populaire? Uma uyikhasimende le- Ibhange Labantu noma ibhange lokonga, izimo zokuhlenga zingashintsha zisuka kwelinye ibhange ziye kwelinye. Ngakho-ke kungalindeleka ukuthi ukudluliswa kwe izingxenye kwenzeka kanye kuphela ngonyaka, ngemva kokuba umhlangano omkhulu usubanjwe.
Ngiyithola kanjani imbuyiselo yamasheya ami? Isicelo sokuhlengwa kwayo amasheya kufanele kwenziwe ngaphambi kokuphela konyaka wezimali we-SLE ngoMeyi 31. Lesi sicelo kumele senziwe ngqo kwi-ejensi yakho. Imali ebuyiswayo yenziwa ngosuku lokuqala lokusebenza lonyaka wezimali olandelayo.
Ngiyicela kanjani imbuyiselo yamasheya? Eyakho isicelo de nokubuyisela kumele isifinyelele ngaphambi kukaDisemba 31 wonyaka n-1 ukuthola a nokubuyisela ngemva koMhlangano Jikelele ngonyaka n. Ngokwesibonelo, ukwenza ukukhokha ngo-2022, kufanele ngabe ukwenzile isicelo ngaphambi kukaDisemba 31, 2021.
Kodwa-ke, isebenza kanjani i-akhawunti yokwabelana?
La ingxenye yomphakathi yitayitela lomuntu ngamunye. Ngaleyo ndlela, lowo obambe iqhaza uthola inzalo (inzuzo), inani layo elibekwa minyaka yonke emhlanganweni ojwayelekile ohanjelwa amalungu. Kuhle ukwazi: kwezinye izimo umhlangano omkhulu ungase unqume ukungakhokhi inzalo.
Ungawabuyisa kanjani amasheya akho ku-Crédit Agricole?
Ungacela i-Caisse yangakini ukuthi ikubuyisele imali yakho amasheya, ezizokwenziwa ngenani lazo elivamile, ngemva kokugunyazwa Ibhodi Labaqondisi, kuncike ezimweni ezikhawulela ukubuyiselwa kwemali, ikakhulukazi umnqamulajuqu noma izibopho ezihambisana neBhange Lesifunda.
Amasheya e-Credit Agricole asebenza kanjani? Uyahlomula eholweni: Asikho isiqinisekiso esisemthethweni sokuhola. I amasheya ukunika ilungelo lokuthola iholo lonyaka ngendlela yenzalo*. Isibonelo, izilinganiso zokukhokhelwa (ngaphandle kwezintela neminikelo yezenhlalakahle) ngo-2018: 1,15%, ngo-2019: 0,90% futhi ngo-2020: 0,90%**.
Iyiphi inzuzo uCaisse d'Epargne ekhokha izinzuzo? I amasheya kukhona ikhishwe kubo valeur ngokwesilinganiso, i.e. €20 nge ingxenye yomphakathi.
Ungawabuyisela kanjani amasheya Crédit Agricole?
Ungacela i-Caisse yangakini ukuthi ikubuyisele imali yakho amasheya, ezizokwenziwa ngenani lazo elivamile, ngemva kokugunyazwa Ibhodi Labaqondisi, kuncike ezimweni ezikhawulela ukubuyiselwa kwemali, ikakhulukazi umnqamulajuqu noma izibopho ezihambisana neBhange Lesifunda.
Ungawabuyisa kanjani amasheya akho ku-Crédit Mutuel? Ungacela imbuyiselo ye Izingxenye B ngokuxhumana ne-Caisse de credit Mutuel. IsiKhwama sizibophezela ukukubuyisela imali yazo ngokwenqubo esemthethweni esebenzayo.(1), kuncike ekugunyazweni kweBhodi Labaqondisi lesiKhwama sakho.
Ungabala kanjani inani lamasheya?
La valeur igama amasheya ubekwa ngokukhululeka ngezimiso. Ngakolunye uhlangothi, konke amasheya yenkampani kufanele ibe okufanayo valeur igama. Isibonelo: uma inkampani inemali social ye-€2.000 ihlukaniswe yaba ngu-200 amasheya, lo valeur igama elithi a okuyingxenye lingama-10 Euro.
Ingakanani i-ceiling yamasheya? i kubekwe umkhawulo emiholweni yezimenenja ukuboshwa kuyinto kwama-euro angama-50 ngoba abantu bemvelo. Inani le amasheya ezimiswe ngokomthetho yisikhungo samabhange. ngoba ulwazi, ngo-2021, inani le-a share is kwama-euro angu-10,47.
Amasheya e-Credit Agricole asebenza kanjani?
Les amasheya zitholwa ngokubhalisa ngokheshi okukunikeza ukufinyelela ebulungwini. Ubunikazi babo bunikeza ilungelo lokuvota emihlanganweni evamile yeBhange Lendawo ngevoti elilodwa, kungakhathaliseki inani izingxenye abanjiwe.
Kufanele ikhishwe nini imali kumasheya?
Uhlelo lwezikhathi olunembe. Uqhube wathi lokhu kukhululwa kungenziwa kanye ngonyaka, ngemuva komhlangano omkhulu webhange, ovame ukuba ngoJuni. Imfuneko kumele ukufika esikhungweni kungakedluli uMeyi ukuze izingxenye izobuyiselwa kusukela ngoJulayi.
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.
Ingabe i-Crédit Agricole ikhokha izinzuzo? Obhalisile ngamunye uzoba nenketho yokubhalisa okungenani okungu-1 ingxenye yomphakathi (okungukuthi €1) kanye nesilinganiso esiphezulu esingu-15 amasheya (okungu-€15). i kubekwe umkhawulo emiholweni yezimenenja wezimpahla ngelungu ngalinye kuyinto isethwe ku-€15 (ngaphandle kosonhlamvukazi benzalo), okungukuthi €000 amasheya.
Yiziphi izinzuzo zokuba umnikazi wamasheya we-Crédit Agricole?
Ezakhe avantages ? A ilungu : Izinzuzo ezivela kumikhiqizo namasevisi abekelwe wona. Uyaziswa ngezenzo ezikhombisa ukuzibophezela kwe credit Agricole endaweni yakhe.
Imaphi amasheya omphakathi e-Caisse d'Epargne? I amasheya, lezi zibambiso ezingafakwanga ohlwini ezenza kube nokwenzeka ukuba umnikazi wengxenye encane yenhloko-dolobha ye icala Local mutual bank, sebeyimali ekhangayo. Ukusebenza kwawo ngokuningiliziwe. Okwamanje akulula ukutshala imali yakho ngaphandle kobungozi!
Iyini i-share cap?
Le kubekwe umkhawulo emiholweni yezimenenja ukuboshwa kuyinto €50 kubantu bemvelo. Inani le amasheya emiswe ngokomthetho yisikhungo samabhange. Ngolwazi, ngo-2021, inani le-a share is kwama-euro angu-10,47.
Ungabala kanjani ukubhaliswa kokwabelana? Isiphetho: ukuthengwa kwe amasheya ingase irekhodwe ku-akhawunti 508, i-akhawunti 261, i-akhawunti 271 noma i-akhawunti 273 kuye ngohlobo lwe-investimenti kanye nenjongo elandelwa ngokutshalwa kwezimali kokulingana.