Ngaphakathi izincwajana ukonga
- Incwajana A. Okonga kubo bonke, 100% kuyavumelana nezimo futhi kuyatholakala.
- Incwajana Yentuthuko Eqhubekayo Nobumbano (LDDS) 100% yokonga okuguquguqukayo nokutholakalayo.
- Bala uqhubeke Incwajana (CSL) Ukonga okungenamkhawulo, 100% okutholakalayo futhi okuqinisekisiwe.
- Incwajana ye-People Savings (LEP)…
- Incwajana Amalungu.
Kodwa-ke, liyini izinga le-LDD ku-Credit Agricole? Linganisa iholo
Izibalo ezibekwe ku-LDDS kukhona ekhokhelwa ngo izinga 1% ngonyaka (2). Izithakazelo kukhona ikhokhwe futhi ikhokhwe ngoDisemba 31 wonyaka ngamunye.
Uyini umehluko phakathi kwe-akhawunti ye-passbook kanye ne-passbook A? Ku 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.
Imaphi ama-akhawunti azuza kakhulu? I-akhawunti okhokha kakhulu ezithakazelisayo incwajana Isikhwama Sokulondoloza Sabantu (LEP). Njengamanje usehola u-1,25% ngonyaka. SARA kuyinto kubekelwe abantu abahola kancane.
Nokho, yiliphi inani eliphezulu le-akhawunti ye-passbook?
Le 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.
Lithini izinga le-LDD ngo-2021?
Le izinga kokungu-0,50% kusebenza ku-LDDS kusukela ngo-February 1, 2020; iye yagcinwa: kusukela ngo-Agasti 1 2021. ngo-February 1 2021.
Uyini umehluko phakathi kwencwajana A kanye ne-LDD? Njengoba kushiwo ngenhla, amanani enkokhelo yalokhu izincwajana kukhona ncamashi efanayo. Omunye umehluko phakathi le Incwajana A kanye ne-LDDS kuyinto ukubheka ohlangothini lophahla lwazo (itkuyintookusho ukuthi isamba esiphezulu esingabekwa lapho): ama-euro angama-22 okokuqala, ama-euro ayi-950 kuphela okwesibili.
Iluphi utshalomali olunenzuzo enkulu? I-akhawunti ukuthi ingenisa okuningi okuthakaselayo incwajana kaukulondoloza okudumile (LEP). Njengamanje usehola u-1,25% ngonyaka. I-LEP ibekelwe abantu abahola kancane.
Iyini inzuzo ye-akhawunti ye-passbook?
Ukonga okuphephile
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.
Yiziphi izinzuzo ze-akhawunti ye-passbook? I izithakazelo du incwadi yasebhange kukhona ibalwa ngokulingana namanani afakiwe kanye nobude besikhathi sediphozithi. Ukuze ahehe amakhasimende amasha, amabhange ngezinye izikhathi athumela amanani athembisayo embuyiselo. Kwesinye isikhathi zidlula ama-4%. Amanye amabhange anikeza ibhonasi eyamukelekile, ngokuvamile elinganiselwa kuma-euro angu-50.
Iyini i-akhawunti ye-Livret A?
Le incwajana A i un compte i-akhawunti yokonga ekhokhelwayo imali yayo etholakalayo à nganoma yisiphi isikhathi. Lokhu i-akhawunti ithi mahhala futhi inzalo ekhokhwayo ayikhokhiswa intela engenayo kanye de iminikelo yomphakathi.
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.
Yini ekhokha ngaphezu kwe-Livret A?
Le incwadi sawubona bank ikhokha ngaphezu kwencwajana A
Njengoba ungabona kusiqhathanisi sethu incwadi ukonga, i incwadi sawubona bank kuyinto le incwadi ukonga okukhokhayo le more namuhla ngenani elijwayelekile eliphelele: 2,00%. Uma sisebenzisa intela engu-40%, sithola isilinganiso sensalela esilinganayo esingu-1,20%.
Yikuphi ukonga ongakukhetha ngo-2021?
4 utshalomali oluthandayo lwe- ukulondoloza en 2021
- Umshwalense wempilo. Umshwalense wempilo ungenye yezimali eziyintandokazi zamaFulentshi ezinezimpahla ezingaphezu kwezigidigidi eziyi-1 zama-euro ekupheleni kuka-789. …
- I-PEA (Hlela Iyalondoloza Ukwabelana) …
- I-PER (Uhlelo Iyalondoloza Ukuthatha umhlalaphansi)…
- Umthetho waseMadelin.
Ingabe i-akhawunti ye-passbook iyakhokhiswa intela? i I-akhawunti yokonga ou Incwajana Ibhange linikeza ukuguquguquka okukhulu kokusetshenziswa. Kuyakhokhiswa intela ngemali engenayo, inikeza amazinga okuphromotha kanye nophahla oluphezulu.
Iyini inzuzo yokuba ne-akhawunti ye-passbook? Izindleko kukhona kwehliselwe kokuncane: isikhathi esiningi, ukubhalisa kuyinto mahhala futhi akukho ezibanjwayokuyinto kwenziwa noma ngabe ngamadiphozithi, ekuphathweni noma ekukhishweni kwemali. Ngokufanayo, ukuvalwa kwe incwajana i izimali zamahhala nezifakiwe zingabuyiswa nganoma yisiphi isikhathi.
Ithini i-ceiling yencwajana A ngo-2022?
Njengoba kumenyezelwe uBruno Le Maire maphakathi no-January, izinga Incwajana A kuyinto isitatimende sisuka ku-0,50% siye ku-1,00% ku-1er February 2022. Kusukela ngalolu suku, kumuntu ofinyelele i kubekwe umkhawulo emiholweni yezimenenja, okungukuthi ama-euro angu-22 (ngaphandle kwenzalo), inzuzo ifika kuma-euro angu-950 ngonyaka, uma iqhathaniswa nama-euro angu-229 ngaphambilini.
Lithini izinga le-LDD ngo-2022? Izinga le-LDD : 1% kusukela ngo-February 1 2022. Uphahla lwe-LDD : Ama-euro ayi-12. Intela: Ukukhululwa enteleni yemali kanye neminikelo yokuphepha komphakathi. Inombolo ye- I-LDD umuntu ngamunye: munye.
Lithini izinga lencwajana A kanye ne-LDD?
Ithebula lokuqhathanisa phakathi kwe-Livret A ne-LDDS
Umehluko phakathi kwe- Incwajana A kanye ne Incwajana yentuthuko esimeme futhi ebandakanyayo (LDDS) | ||
---|---|---|
Izincwajana | Incwajana A | I-LDDS (ngaphambili I-LDD , ngaphambilini codevi) |
Linganisa 2022 (kusuka ku-01/02/2022) | 1% | 1% |
Linganisa 2022 (kuze kube umhla ka-31/01/2021) | 0,50% | 0,50% |
• Mashi 2, 2022
Ingakanani isilinganiso sencwajana A ngo-2022? Njengoba kumenyezelwe nguBruno Le Maire maphakathi noJanuwari, i izinga du Incwajana I-A ikhushulwe isuka ku-0,50% iye ku-1,00% ngo-1er February 2022. Kusukela ngalolu suku, ngoba umuntu osefikile kubekwe umkhawulo emiholweni yezimenenja, okungukuthi ama-euro angu-22 (ngaphandle kwenzalo), inzuzo ifika kuma-euro angu-950 ngonyaka, uma iqhathaniswa nama-euro angu-229 ngaphambilini.