Le ukubekwa okungcono kakhulu aqashekayo I-LCL futhi ivikelekile ngo-2022 kuyinto umshwalense wempilo ohlinzeka ngembuyiselo enhle kakhulu (cishe u-2 kuya ku-3%) ngenkathi unikeza a ukubekwa ezezimali ngaphandle kobungozi. Ungatshala ama-euro angu-10000, ama-euro angu-20000, ama-euro angu-30000, ama-euro angu-40000 noma ama-euro angu-100000 ngaphandle kwanoma imuphi umkhawulo wesilingi.
Nokho, Iyiphi i-akhawunti ezuza kakhulu ku-LCL? I-Cerise Booklet iwumkhiqizo wokonga ongenabungozi. Uyahlomula eholweni more ephakeme kunaleyo ye akhawunti Ku-Livret (CSL) kufika ku-€20 uma usilingi we-LDDS yakho noma i-Livret A yakho ifinyelelwa.
Ingakanani inani eliphezulu le-akhawunti ye-passbook? THE incwajana A i namuhla ifike ku-22 950 XNUMX Euro. Uphahla lwe-LDD, yena, kuyinto ibekwe ku-12 euros. i incwajanaukonga okudumile (LEP) kuyinto kucace kakhulu njengoba ayikwenzikuyinto kungenzeka dvula ezimbili kuphela endlini eyodwa yentela. Ngakho-ke uphahla luyahlukahluka kuye ngenani lezabelo zezabelo zomndeni.
Iyini intshisekelo ye-akhawunti ye-passbook? Ukonga okuvikelekile
Izimali ezibekiwe kukhona kuqinisekisiwe(2) futhi iholelwe ngenani eliphelele lonyaka lika-0,05%. Isilinganiso sisebenza ngomhla ka-01/04/2021, ngaphansi kokushintshwa yi-Société Générale, kuncike entela le imali engenayo kanye neminikelo yomphakathi.
Kodwa-ke, ungayenza kanjani imali nge-LCL?
I-Advantage+ I-LCL ikuvumela ukuthi Thola imali ngokwenza izinkokhelo zekhadi. Uma uyikhasimende lasebhange le-ELCL et ukuthi ubambe ikhadi lesikweletu kumkhiqizo, bese ungakwazi ukujoyina uhlelo lwe-Avantage + mahhala I-LCL.
Iyini incwajana yeCherry?
Le Incwadi ye-Cherry un incwadi isithasiselo samakhasimende e-LCL awo Incwajana A kanye/noma i Incwajana yentuthuko esimeme futhi ebandakanyayo (LDDS) isifinyelele umkhawulo wezomthetho.
Kuyini uphahla lwe-Livret A LCL? THE uphahla lwencwajana A kuyinto isethwe ku-€22 kubantu ngabanye kanye nama-€950 ezinhlangano, ngaphandle kokubalwa kwenzuzo enkulu. Izithakazelo zakwa Incwajana ayiweli ngaphakathi kwemingcele ye kubekwe umkhawulo emiholweni yezimenenja. Kunamanye ama-akhawunti okulondoloza, alawulwayo noma cha, angase akulungele.
Isebenza kanjani i-LCL Cash Back? THE cashback etholwe ngesikhathi sokuthenga okuhlukahlukene nge I-LCL I-Avantage+ idluliselwa kukhithi ehlukile kune-akhawunti yamanje. Kulapho kuphela lapho ifinyelela inani lama-euro angu-20 lapho umthengi angakwazi khona ukudlulisela okuqukethwe ku-akhawunti yakhe yasebhange futhi akusebenzise ngendlela abona kufanele.
Isebenza kanjani i-Citystore?
Le Citystore ihlotshaniswa nekhasi le-inthanethi elizinikele elibala wonke amabhizinisi ozakwethu okusebenza. Ukuze uthole izindawo eziseduze nawe futhi ubuke izinyuso ezihlobene nazo, vele uye ekhasini elithi https://www.lcl.fr/citystore/member/offers/shop.
Uyini uphahla lwe-Livret Cerise LCL? i Incwadi ye-Cherry, umphelelisi we incwadi A kanye ne-LDD
Le Incwadi ye-Cherry uhlelo lokonga olunikezwa yi-Credit Lyonnais yangaphambili, I-LCL. Inhloso yawo ukwenza abanikazi be-a incwadi I-A noma i-LDD ukuze uqhubeke ulondoloza ngale kwe- kubekwe umkhawulo emiholweni yezimenenja okugunyaziwe: ama-euro angama-22950 kokukodwa kanye nama-euro ayi-12000 kwenye.
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.
Isebenza kanjani i-Livret A LCL? Ukonga kuyatholakala noma kunini. i Incwajana A ngu-a incwadi okukuvumela ukuthi wonge kufikela ku-€22, ngaphandle kwanoma yiziphi izinkokhelo, izintela noma iminikelo yokuvikeleka komphakathi. i Incwajana A ikuvumela ukuthi ube nemali yakho nganoma yisiphi isikhathi.
Ungayibeka kuphi imali yakho uma incwajana A isigcwele?
Ezimweni eziningi, okungcono kakhulu kuyinto ukuze uvule uhlelo lokonga isitoko (PEA) kodwa ungasebenzisa nenkontileka yomshwalense wempilo (okungcono uklonyeliswe i-Le Revenu), i-akhawunti yesibambiso elula noma uhlelo lokonga lomhlalaphansi ngisho noma kulesi simo I'imali kuvinjelwe.
Uyini umehluko phakathi kwe-akhawunti ye-passbook kanye ne-passbook A?
Ngesikhathi umehluko du Incwajana A, izintshisekelo ze-a incwadi yasebhange kunqunywa ibhange. Le nzalo intela futhi ingaphansi kweminikelo yokuvikela umphakathi. Ukonga obekwe ku-a incwadi ukubhange kuhlala kutholakala ngaso sonke isikhathi futhi akunabungozi.
Ubani oza nencwajana A noma i-LDD eminingi? Ku-1%, kunjalo imibiko Deux fois more que le Incwajana I-A kanye ne-LDDS, njengesikhumbuzo, bakhokhele u-0,5% kusukela ngoFebhuwari 2020. Futhi lokhu kuzohlala kunjalo: umthetho wokubala umholo wakhe uhlinzeka ngokuthi izinga le-LEP lilingana nelo Incwajana Kunyuke ngamaphuzu angu-0,50.
Ungayibona kanjani idebithi yakho ye-LCL eqondile? Ulwazi oludonswayo lubuyiselwa esitatimendeni sakho se-akhawunti noma ngamasevisi akho e-Online Banking I-LCL.Fr.
Isebenza kanjani i-LCL CityStore?
Ngenkokhelo ngayinye kumthengisi onguzakwethu LCL City Store, uyazuza ngokubuyiselwa kwemali*. Lawa ngama-euro awiniwe! Imbuyiselo yemali* ikhokhwa ku-akhawunti yakho ngenyanga elandela ukuqinisekiswa kokuthenga.
Ungawenza kanjani ukudluliselwa kwe-LCL ku-inthanethi? Ngena ngemvume kuma-akhawunti akho nge umugqa bese uchofoza “Isikhala Sakho Sakho” bese esigabeni esithi “Umlando” chofoza okuthi “Izenzo zakho ku umugqa“. Khetha "Ukudluliselwa” ohlwini futhi uqinisekise.
Ungayisebenzisa kanjani imali engenayo ye-CityStore?
Ukuze uthole ukubuyiselwa kwemali, njeutiliser Ikhadi lakho lesikweletu le-LCL lokuthenga kwakho, kanye nezinga lokubuyiselwa kwemali (elitholakala phezulu kwesokudla sesithombe esingenhla) lizosebenza ngokuzenzakalelayo. Ngenyanga elandelayo, i-akhawunti yakho yasebhange izofakwa ezincishisweni uma ukubuyiselwa kwemali sekuqinisekisiwe ngumthengisi.
Ungaqinisekisa kanjani ukubuyiselwa kwemali kwe-Monoprix? Ukuze eyakho I-Monoprix CashBack I-Mode & Maison inakekelwa kahle, sicela wamukele wonke amakhukhi lapho ufika kusayithi lomthengisi I-Monoprix Imfashini Nekhaya. i I-Monoprix CashBack Imfashini Nekhaya kungahlanganiswa kuphela namakhodi ephromo okushiwo ngawo “+ Kufika kusaphulelo sika-3,5% I-CashBack".
Kuyini uphahla lweCEL?
Uphahla. the ICEL uphahla lukhona ye- € 15.
Liyini izinga le-LDD? Shintsha ku-1er February 2022
Le izinga izinga lenzalo yonyaka yencwajana yokuthuthukiswa kobumbano (i-LDDS), ehambisana naleyo ncwajana A, kuyinto ibuyekezwe ngo-1% ku-1er February 2022.
Ungabeka kuphi imali yakho ukuze ilethe kakhulu?
Yiziphi izimali ezitshaliwe ezinikezela ngembuyiselo engcono kakhulu esikhathini eside?
- Tshala imali emakethe yamasheya usebenzisa i-PEA noma i-akhawunti yezibambiso. Amasheya ayisigaba samafa qui inikeza imbuyiselo ephezulu kakhulu esikhathini eside. …
- I-Equities: i-investimenti futhi eyingozi kakhulu…
- Umshwalense wempilo wokuhlukanisa ukonga kwakho.
Iyiphi incwajana ezuza kakhulu ngo-2022? Njengoba kumenyezelwe uBruno Le Maire maphakathi no-January, izinga Incwajana 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.
Ubani oletha i-Livret A noma i-PEL eningi?
Kulo mbandela, wuHlelo Lokonga Lwezindlu (sizo) qui kuvela i more kunenzuzo. Ikuvumela ukuthi utshale imali efika ku-61 euros ngenani lamanje le-gross elingu-200%, noma isamba esingu-1% se-PFU (0,70). Nokho, ngesithiyo esikhulu: khokha okungenani ama-euro angu-1 ngonyaka, ngezitolimende zanyanga zonke, zekota noma zesigamu sonyaka.