Njalo ngemva kwamasonto amabili, le bhonasi ibalwa kubhalansi encane ephawulwe ku-akhawunti phakathi nezinyanga ezingu-6 ezidlule. Izithakazelo kubalwe ngesikhathi esiyizinsuku eziyi-15, Izithakazelo ikhishwe ngo-December 31 futhi ifakwe ku- incwadi yomnikazi ekuqaleni kukaJanuwari wonyaka olandelayo.
Ngaphezu kwalokho, iyiphi incwajana enenzuzo kakhulu ku-Societe Generale? Umholo we Incwajana yeSociete Generale Plus
Ake siqhubekele kulokho okwenza imvelaphi ye Incwajana Iyalondoloza plus : indlela yakhe yokuhola. Ihlanganiswe nezinga elijwayelekile lembuyiselo engu-0.30% yesamba kanye nebhonasi yokwethembeka engu-0.70%, incwadi Iyalondoloza Okuningi ngo-Société Generale ngakho-ke ikuvumela ukuthi uzuze imali efika ku-1,00%.
Zibalwa kanjani izithakazelo ebhukwini le-Livret A? Uma wenza izinkokhelo ezimbalwa phakathi nonyaka, inani libalwa njalo ngemva kwamasonto amabili.
- uma isamba esingu-E15 sibekwe ku- Incwajana A unyaka wonke, ngakho-ke izithakazelo kuzoba ngu-15 x 000% = €0,50.
- uma isamba semali sifakwa unyaka wonke, kuzobe sekusebenza i-pro rata ediphozini ngayinye.
Ikhokhwa nini inzalo ye-Société Générale? THE izithakazelo
Mayelana nesibalo se izithakazeloit kuyinto kwenziwa emavikini amabili futhi bona ziyakhokhelwa kusukela ngoDisemba 31 wonyaka wamanje. Asikho isidingo sokuqeda yonke into ekupheleni kukaDisemba njengoba ukubalwa kwamasonto amabili kuzosho ukuthi izinkokhelo ezenziwe ngemva kukaDisemba 16 zizobhekwa kuphela ngonyaka olandelayo.
Nokho, ziwa nini izithakazelo?
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.
Ungayikhipha kanjani imali ku-akhawunti yakho yokonga ye-Societe Generale A?
Ungenza ukuhoxiswa ngokukhululekile kusuka kwakho incwadi A:
- ngemali egatsheni ebambe i Incwajana A;
- ngekhadi elivela Ukuhoxiswa kweSociete Generale kumakhasimende angaphezu kweminyaka engu-12 ubudala emishinini yamathikithi I-Societe Generale kanye nekhredithi du Enyakatho eFrance;
- ngokudluliselwa okukodwa ku-akhawunti yakho yamanje;
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.
Lizoba yini izinga lencwajana A ngo-2022? Njengoba kumenyezelwe nguBruno Le Maire maphakathi noJanuwari, i Izinga lencwajana 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.
Sinazo nini izithakazelo?
Inkokhelo ye izithakazelo ama-akhawunti okonga
Eqinisweni, abanye baqinisekisa ukuthi izithakazelo zibalwa futhi zikhokhelwe kuma-akhawunti akho okulondoloza kusukela ngo-December 31 wonyaka wamanje kuyilapho abanye basebenzisa lesi sibalo kanye nenkokhelo ekuqaleni kukaJanuwari wonyaka olandelayo.
Ngiyikhipha kanjani imali ku-CEL? A ukuhoxiswa ingxenye ku-a Cel kungenziwa ngezindlela ezahlukene: Egatsheni lasebhange, ekhawuntani noma ngokubonana nomeluleki wakhe: umsebenzi wasebhange uyobe eseqhubekela kulokho okubizwa ngokuthi ukudluliswa kwemali phakathi kwama-akhawunti. L'Imali izosuswa kweyakho Cel bese ufaka i-akhawunti yakho yokuhlola.
Ungakwenza kanjani ukudluliselwa kusuka ku-Livret A yakho?
ngoba dlulisa on / from your Incwajana A, ungaya: kwikhawunta yakho yasebhange: ekwethulweni komazisi kanye nenombolo ye incwadi A, kungenzeka dlulisa kusuka kwenye i-akhawunti kuye ku- incwadi ukonga.
Ngingayikhipha kanjani imali ku-akhawunti yami yokulondoloza? Ngoba khipha imali ngemali evela kuwe incwadi, vele uye egatsheni ucele a ukuhoxiswa ngemali. Ukuze uthole ukuhoxiswa okukhulu (ngaphezulu kuka-€1), khumbula ukwazisa ibhange lakho ngayizolo.
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 neyokwazisa ukuthi uyitholile ukuze wazi usuku lokuhamba. ce umkhawulo wesikhathi.
Isebenza kanjani inkokhelo yomshwalense wempilo?
Theumshuwalense 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.
Iyiphi incwajana eyenyuka ngo-2022? Ngenxa yokuqaliswa kabusha kwe-inflation, izinga lenzalo ye- incwadi Ishintshela ku-1% ngo-1er February 2022, kanye namazinga incwadi yentuthuko esimeme futhi ebandakanyayo (LDDS), kanye incwadi abasha. Lokho kwe incwadi I-People's Savings Fund yehle yafinyelela ku-2,2%.
Lizoba yini izinga le-LDD ngo-2022?
Khulisa ku- izinga kusuka ku-LDDS kuya kuFebhuwari 1 2022
UNgqongqoshe Wezomnotho uBruno Le Maire umemezele ngoJanuwari 14 2022, ukuphindwa kabili kwe izinga kusukela ku-0,5% kuya ku-1%, njengaleyo ye-Livret A, ngokuhambisana nesincomo soMbusi we-Banque de France.
Yiziphi izimali ezitshaliwe zika-2022? Ini kukhona ukutshalwa kwezimali ephephe kakhulu phakathi 2022 ? Ama-akhawunti okonga alawulwayo (i-Livret A, LDDS, LEP) inzuzo de iwaranti de umbuso. Ngakho-ke isilondolozi siqinisekisiwe de thola ingqikithi de izinkokhelo zakhe, kungakhathaliseki ukuthi yini.
Isebenza kanjani inzalo?
Ivezwa njengengxenye yenani elibolekiwe: yileli phesenti esilibiza ngenani lenzalo.intérêt, noma ukuqasha imali. Ngakho-ke, ikhasimende elithola imalimboleko yonyaka owodwa wama-euro ayi-1 ngoJanuwari 100 ngenani leintérêt U-5% kuzodingeka abuyisele ama-euro angu-105 ebhange lakhe ngoDisemba 31.
Lithini izinga le-LEP ngo-2022? Khulisa phakathi Izinga le-LEP ngo-2022
Le Izinga le-LEP liyi isethwe ku-2,2% ngoFebhuwari 1 2022, ngokumelene no-1% ngaphambilini, a izinga isebenza kuze kube nguJanuwari 31 2022.
Ungayitshala kuphi imali yakho ngo-2022?
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.
Kuyini iphuzu lokugcina i-CEL? i Cel ingakuvumela ukuthi uthole imali mboleko yezindlu ngenani elikhethekile. Kudingekile kulokho ukuthi imali mboleko ihloselwe ukuxhasa ngezimali indawo yokuhlala eyinhloko noma ukuthengwa kwamasheya e-SCPI (izinkampani zomphakathi zokutshalwa kwezimali ngendawo yokuhlala) ezinobizo lokuhlala.
Ingakanani inani elincane okufanele silishiye ku-CEL?
Ukuvula Cel, kufanele ukhokhe u-€300 ku- ubuncane. Kufanele njalo ukushiya un ubuncane ye-€300 kuwe Cel. Uma ibhalansi yakho Cel iwela ngaphansi kwe-300 € uphawu, izovalwa. I-akhawunti yokonga yezindlu ifinyeleleka kuwo wonke umuntu, kungakhathaliseki ubudala.
Ikhishwa nini imali ye-CEL? Kungcono ukulinda kuze kube umhlaka-1 noma umhlaka-16 wenyanga yamanje, futhi ngenxa yomthetho wezinyanga ezimbili. Uma kwenzeka kuhoxiswa ingxenye yeImali zingama-30, zingama-31 noma zingama-15 enyangeni, inzalo ekhishwe phakathi namabili amabili edlule iyalahleka.