Empeleni, awukho umkhawulo ediphozini yemali ku-akhawunti yakhe yasebhange umuntu ngamunye. Nokho, ngaphandle kwe- isamba ngama-euro ayi-8.000, ibhange uzodingeka ukuthi akucele a ubufakazi ngomsuka wemali.
Ngaphezu kwalokho, singafaka malini ebhange ngaphandle kobufakazi? Kafushane, kuhlale kungenzeka idiphozi €3 nge ibhange ngaphandle kobufakazi. Kodwa phinda lo msebenzi njalo unga ngaphansi kokulawulwa okubanzi yiziphathimandla ezinekhono.
Ingakanani inani eliphezulu elingafakwa ebhange? Kusukela ngo-Okthoba 1, 2010, imali efakwa kuma-akhawunti asebhange iqinisekisiwe ngaphakathi komkhawulo wama-euro ayi-100. esiphezulu ngomfakisicelo ngamunye kanye nango ibhange.
Ingakanani imali evunyelwe? Inkokhelo nge izinhlobo zeumuntu ochwepheshe noma phakathi kochwepheshe ogunyaziwe kufika ku-€1. Losilingi ukhuphukela ku-€000 uma intela yomuntu othengayo iphesheya futhi ekhokha izindleko zomuntu siqu (ngokwesibonelo, ukuthenga. dimoto ezosetshenziswa ngasese).
Ngakho-ke, ungafaka malini ngokheshi ebhange? Izinkokhelo zemali ekhawuntani ye- ibhange
Amadiphozithi unga, ngokomthetho, kwenziwe kunoma iyiphi quelle ejensi ye ibhange futhi hhayi nje leyo lapho i-akhawunti yakho ibanjelwe khona. akekho isamba esiphezulu.
Indlela yokuqinisekisa idiphozithi yemali?
Idiphozithi yemali ebhange: incazelo
Uma ufaka ukheshe, kufanele njalo uthole irisidi. Uma kwenzeka idiphozi ngaphezu kwe-1 euros, ubufakazi bemvelaphi yezimali bungacelwa.
Ungafaka malini ngokheshi ebhange lokulondoloza? lokho yinani eliphezulu loku idiphozi ebhange ? Uma ufayela a isamba ngemali edlula umkhawulo wama-euro angu-8.000 ku-akhawunti yakho yamanje, ibhange linesibopho sokukubuza ubufakazi, ikakhulukazi uma lolu hlobo lwediphozi lwenziwa ngendlela engavamile.
Ungakhokha kanjani imali engaphezu kuka-1000 euros? Njengabantu ngabanye, izinkokhelo zenani elikhulu kune 1 000 I-€ (uma kuqhathaniswa ne-€3 ngaphambi komhla ka-Septhemba 000, 1) ayinakwenziwa ngemali. Kufanele zikhokhelwe ngesheke, ngekhadi lesikweletu noma nge-EFT. Uma inani lesamba lomholo lingaphezu kuka-€2015 ngenyanga, alikwazi ukukhokhwa ngokheshi.
Ngingaphatha Imali Engakanani?
EFrance inani eliphezulu lelo ingathwala en Imali imali engu-10 euros.
Ngingakwazi ukufaka idiphozi kwelinye ibhange? I amadiphozithi kungaba, ngokomthetho, kwenziwe kunoma iyiphi igatsha le ibhange futhi hhayi nje leyo lapho i-akhawunti yakho ibanjelwe khona. Alikho inani eliphezulu.
Ungakuthethelela kanjani ukudluliselwa kwebhange?
Ngokuya ngomsebenzi ozokwenziwa, amadokhumenti asekelayo avame ukucelwa ahambisana nalokhu:
- umazisi wokukhipha imali ekhawuntani, ukulethwa kwendlela yokukhokha (ibhuku lokuhlola noma ikhadi), njll.
- ubufakazi bendawo yokuhlala a inkokhelo ngaphandle kwe-European Economic Area.
Ingakanani inani eliphezulu lemali? EFrance isamba esiphezulu esingaba nakho kithi ukheshi ngu kwama-euro ayi-10.
Ingakanani imali ongaba nayo ekhaya?
Kusemthethweni ukugcinaimali ekhaya (inqobo nje uma ivela emholweni noma kulondolozwe). Kodwa-ke, leli nani liphelele lihlala ku- € 10 umuntu ngamunye.
Ngiyifaka kanjani imali ku-ATM?
Amazwana yenza idiphozi ukheshe ku-ATM?
- Letha ikhadi lakho lasebhange, yilo elizokuvumela ukuthi ubonakale uma ufaka ukheshe .
- Bala inani lamanothi futhi uwahlukanise ngamahlelo, ukuze wonge isikhathi lapho ufaka.
- Faka inani eliphelele le ukheshe kugcwalisiwe.
Ngilufaka kanjani ushintshi ebhange lokulondoloza? Idiphozithi ingenziwa kwikhawunta ye- Savings Bank, ngamahora ajwayelekile okuvula (isevisi yediphozithi ye-Express) kanye/noma emshinini ozenzakalelayo noma isitsha esenziwe ngomshini Savings Bank, ngesikhathi nangaphandle kwamahora okuvula (Inkonzo Yedepho/Yobusuku).
Ungakhokha kanjani isamba esikhulu kumuntu? Kungcono ukuphendukela eshekeni. Ngokunembayo, gwema isheke lakudala elingase libe ngaphandle kwemali, kodwa kunalokho khetha isheke lasebhange. Ikhishwe yibhange, liyaqinisekisa ukuthi izimali zikhona futhi liyazivimba kuze kube yilapho ohlomulayo esekhiphe isheke.
Indlela yokuthengisa ukheshi?
Enye indlela yokuphuma ukheshe okunzima ukuzithengisa. Abanye abadayisi bayakudinga njaloukheshi ukuthenga imikhiqizo ngaphandle kokuyimemezela. Bashintshana ngesheke ngenjabulo ngaphandle kwe-oda lemali efanayo eyimali.
Yiziphi izinhlobo ezahlukene zezindlela zokukhokha? Nalu uhlu lwezindlela eziyinhloko ze yokukhokha .
- Isheke.
- Amakhadi asebhange.
- Uhlobo.
- Enye indlela ye yokukhokha .
Ungayibekaphi imali yakho?
Ungagcina i- Imali ngokomzimba esisefweni sasebhange noma ekhaya lakho, kepha lokhu kufaka izingozi eziningana. Sincoma esikhundleni salokho esitolo wena Imali ezinqolobaneni eziphephile, ngaphandle kohlelo lokubhanga.
Ungakwazi ukufaka isheke ku-akhawunti ye-nickel? Abanikazi be-2 million Ama-akhawunti we-nickel angakwazi kusukela ngaleso sikhathi kuqhubeke idiphozi we amasheke. Isevisi ekade ilindelwe futhi engakaze ibonwe ngaphambili compte yenkokhelo, kodwa engeke ibe mahhala. … Amakhasimende we nickel, abangaphezu kwezigidi ezimbili eFrance njengamanje, unga kusukela ngaleso sikhathi kuqhubeke idiphozi we amasheke phezu kwabo compte.
Ngikwenza kanjani ukudlulisa kusuka kwenye i-akhawunti kuya kwenye?
Ungadlulisa kanjani ebhange ngalinye?
- Iya kuthebhu ukudluliselwa .
- Faka inombolo ye- compte umshini.
- Faka inombolo ye- compte umzuzi.
- Faka inani le- inkokhelo .
- Khetha ukuphinda kwenzeke noma cha.
- Khetha imali, uma inkokhelo International.
- Hlola imininingwane.
- Qinisekisa inqubo.
Indlela yokuqinisekisa umsuka wezimali? Lobu bufakazi bungaba ikhophi ye-deed of sale (uma kwenzeka izimali kusukela ekuthengisweni kwezakhiwo), ikhophi yetayitela lokulandelana noma isiliphu sokukhokha.
Indlela yokuqinisekisa ukuhoxiswa kwemali enkulu?
Akukho ngaphansi kwezimo umthetho waseFrance uphoqa amakhasimende dibhange e bathethelele un ukuhoxiswa kwe'Imali ukheshi, kungakhathaliseki inani. Ngakho-ke ukhululekile ngokuphelele ukuhoxisa ukheshi (kungaba ku-ATM noma kwikhawunta yebhange lakho) ngaphandle kokuthi ulethe ubufakazi.
Ingabe ibhange lingakwenqaba ukudluliswa kwemali? "Eyodwa inkokhelo interbank unga inganqatshwa ngenxa yokuthi imininingwane yasebhange ye-akhawunti yomamukeli we inkokhelo azilungile, ngenxa yokuthi i-akhawunti yomamukeli kuyinto ivaliwe noma ngenxa yokuntula imali.”