Idethi yenani ngoDisemba 31
Ukuthi amabhange akhokha inkokhelo ngoDisemba 31, Januwari 2 noma 4, iningi lemikhiqizo ligcina idethi yenani elifanayo: Disemba 31. Lolu usuku olubekelwe ukubala umholo wakho.
Kodwa-ke, inzalo ikhokhwa nini? Umthetho owodwa: ukubalwa kwe izithakazelo kabili ebusuku
izakhi ezimbili kukhona ngakho-ke ukukhumbula: inkokhelo kwenziwa phakathi kuka-1er kanti umhlaka-15 wenyanga uyakhiqiza izithakazelo kusukela mhla ziyi-16 kuleyo nyanga; a inkokhelo eyenziwa phakathi kwe-16 nokuphela kwenyanga ikhiqiza izithakazelo kusuka ku-1er yenyanga elandelayo.
Ikhokhwa nini inzalo yomshwalense wempilo? Isikhwama ngama-euro senkontileka yeumshuwalense wempilo iwusekelo oluvikelekile oluhlanganisa isiqinisekiso semali esinikezwa umshwalense. Ngakho-ke obhalisile akakwazi ukulahlekelwa yimali kulolu hlobo lwesikhwama. Njalo ngonyaka i inzalo ikhokhiwe ngenkontileka kusukela ngoDisemba 31 N.
Uyithola nini inzalo yomshwalense wempilo? I izithakazelo zikhokhelwa unyaka ngamunye, ngo-December 31, kwababhalisile. Zibalwa nge-pro rata temporis, okungukuthi ngokuya kwesikhathi sokutshalwa kwezimali kobhalisile.
Nokho, uzofaka nini noma uyikhiphe nini imali ku-akhawunti yakho yokonga?
Ngakho-ke kungcono ukwenza: izinkokhelo ngomhla ka-15 noma zingama-30 enyangeni; ukuhoxiswa ngomhla ka-1 noma ngomhla ka-16 enyangeni ukuze ungalahlekelwa inzalo izinsuku ezimbili. Kuhle ukwazi: ukusetshenziswa kwamakhadi okuhoxiswa anikezwe ne izincwajana ukonga kuvame ukuba nomthelela wokwehlisa inzalo ibe ziro.
Isebenza kanjani inzalo?
Ifomula esetshenzisiwe ukubala i- izithakazelo elula
- Inani le-capital (€) * Isilinganiso se- intérêt ngonyaka (%) * Isikhathi sokulinganisa = Inzalo (€).
- € 10.000 * 1,75% * 12/12 = € 175. Lokhu kumelela eyakho izithakazelo ngonyaka wokuqala. ...
- € 10.000 * 1,75% * 12/12 = € 175. ...
- 175 € * 1,75% * 12/12 = 3 €.
Isebenza kanjani inzalo yasebhange? Ibhange libala inani eliphelele le- izithakazelo okutholwe ngonyaka odlule futhi, ngaphambi kokuwafaka, ahoxise amaphesenti asemthethweni eminikelo yokuphepha kwezenhlalakahle. Ngakho-ke, ukuze i-PEL ivulwe kuze kube nguDisemba 2017 ngezinga eliphelele le-1%, inani lonyaka lemali yomholo lifinyelela ku-0,83% (0,828% ngokunembile).
Ibalwa kanjani inzalo yomshwalense wempilo? Bala we izithakazelo elula futhi izithakazelo izinhlanganisela
- 100 x (2/100) = 2. Ngemva konyaka owodwa, ukutshalwa kwezimali okungu-€100 okuthela u-2% ngonyaka kukhiqiza u-€2 izithakazelo . Ekupheleni konyaka wokuqala, kanye izithakazelo ifakwe ku-akhawunti, ngakho-ke kuzoba ne-€102 ku-akhawunti. …
- 100x(1+0,02) 5
Ungayikhipha nini imali ku-Livret A?
Mayelana nosuku okwathi ngalo khipha imali on a Incwajana A, kungcono ukulinda kuze kube okungenani umhla woku-1 noma umhlaka-16 wenyanga yamanje. Ngempela, uma kwenzeka ukuhoxiswa kwengxenye yeImali zingama-30, zingama-31 noma zingama-15 enyangeni, inzalo ekhishwe phakathi namabili amabili edlule iyalahleka.
Ungatshala kuphi ama-euro ayi-10.000 ngo-2022? Lezi yiPau, Limoges, Poitiers, Brest kanye neNîmes. Iholo lihlala lilihle emakethe yamasheya kanye nomshwalense wempilo oxhumene neyunithi njengengxenye yesu lesikhathi eside.
Ingakanani inani elincane okufanele silishiye ku-Livret A?
Idiphozithi ubuncane for a incwadi Isamba esingu-E10 cishe kuzo zonke izikhungo zamabhange e-France. Akunakwenzeka ukufaka isamba esincane ku-akhawunti yakhe yokulondoloza. Kodwa-ke, kungenzeka ukwenza imali ngokheshi, ngokudluliswa kwebhange noma ngesheke.
Uyibala kanjani inzalo yemalimboleko? Izibalo ezidingekayo: isilinganiso sanyanga zonke = isilinganiso sonyaka sebhange sihlukaniswa ngo-12; THE izithakazelo = imali esele ngenxa yebhange x inani lenyanga; imali ebuyisiwe = Imali ekhokhwa njalo ngenyanga - the izithakazelo ; imali esele okufanele ikhokhelwe = Imali esele okufanele yenziwe enyangeni edlule - imali ebuyisiwe.
Indlela yokubala inzalo enanini?
Ngokuba Calcul ofintérêt kwanyanga zonke, ifomula ye Calcul ofintérêt ibhalwe kanje: Okwe inani yemali engenayo izothatha yekhompyutha : I-Montant utshalomali x (1+Isilinganiso seintérêt/Inkathi yeintérêt/ 100) (eside * nkathi d'intérêt) = I-Montant yemali engenayo.
Indlela yokubala inzalo emalini ebolekiwe?
Inzalo elula: theintérêt elula ibalwa kuphela emalini yokuqala. Ngokwesibonelo, endabeni kathishanhloko ka-$1 ngenani leintérêt izinga lonyaka lika-5% eminyakeni emi-3, i izithakazelo okuzotholwa kuzoba ngu-$50 (5% ka-1) ngonyaka, ngesamba esingu-$000.
Ukhokhwa kanjani umshwalense wempilo? Ngokomthetho, umshwalense unenyanga eyodwa yokukhokha inhloko-dolobha kubazuzi, kusukela ekutholeni ifayela eliphelele. Ngakho-ke kuhle ukuthumela wonke amadokhumenti asekelayo nge-imeyili ebhalisiwe nencwadi evumayo ukuthi uyitholile ukuze wazi usuku lokuhamba. ce umkhawulo wesikhathi.
Ukhokha kanjani umshwalense wempilo? L'umshuwalense wempilo yinkontileka umshwalensi enza ngayo, ukuze akhokhele amaphrimiyamu, ukukhokha impesheni noma imali enkulu kumshwalense noma abahlomuli bakhe. Ingasetshenziswa njengomkhiqizo wokonga wesikhathi esimaphakathi noma eside.
Kuthatha isikhathi esingakanani ukuthola umshuwalense wokuphila ngemva kokufa?
ngemuva ethola amadokhumenti, umshwalense unenyanga engu-1 ngoba khokha imali. Kusuka de ukwamukelwa de isenzo kwabangasekho kanye nezixhumanisi zabazuzi, umshwalense unokuqala Usizo izinsuku eziyishumi nanhlanu ngoba cela imibhalo edingwa yinkontileka.
Imaphi ama-akhawunti azuza 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.
Ungabala kanjani ukuzinikela komshwalense wokuphila?
Ukhokhe u-€50 kunkontileka yakho yomsebenziumshuwalense wempilo eminyakeni eyisishiyagalombili edlule. Ufuna ukuhoxisa u-€20. Imali okufanele uyikhokhe lokukhulula isamba senkontileka yakho ngu-€70. Ngoba yekhompyutha inzalo, usebenzisa ifomula: 20-(000 x 50)/000) = 20.
Indlela yokukhipha imali ku-Livret A? Ungakwazi ukuhoxisa l 'Imali wakho Incwajana Imali ewukheshi eposini, ngokuthunyelwa kanye nje noma ngekhadi lokuhoxiswa lamahhala elihlobene ne Incwajana A. Izici zokuhoxa ku- Incwajana Ama-A ami kanje: Ubuncane be-€10 (€1,50 bokuvulwa e-La Banque Postale) ngokukhipha ngakunye.
Indlela yokubuyisela imali ku-Livret A?
Ukuhoxiswa kweImali on a incwadi I-A imahhala futhi ingenziwa noma nini lapho isilondolozi sifisa, ngaphandle komkhawulo wesikhathi sangempela. Lona wakamuva unokufinyelela okungenamkhawulo ku-akhawunti yakhe kanye nezimali zakhe, ngaphandle kokucela ukugunyazwa okukhethekile esikhungweni samabhange esibamba i-akhawunti. incwadi A.
Yikuphi ukonga ngo-2022? Utshalomali olungcono kakhulu ongalulondoloza 2022 ngokusho kwamaFulentshi. Naphezu kwesivuno esiwohlokayo unyaka nonyaka, umshwalense wempilo usathathwa njengomkhiqizo ongcono kakhuluukulondoloza khuluma isiFulentshi.