Xa usiya eFrance, ukuvula i-akhawunti yebhanki kuhlala inyathelo eliyimfuneko. Akunakwenzeka ukuba uphile ngaphandle kwayo: kubalulekile ukufumana imali, ukuyikhupha okanye ahlawule iimveliso kunye neenkonzo ... Nazi ezinye iingcebiso zokuvula i-akhawunti yasebhanki eFransi uze ukhethe ibhanki.
Ibhantshi laseFransi labangaphandle
Ingaba uhambela eFransi ukuba ufunde okanye usebenze, ukuvula i-akhawunti yasebhanki kubalulekile. Amanyathelo angathatha ixesha, kodwa ayanceda kakhulu abo banqwenela ukuhlala kwiinyanga eziliqela okanye iminyaka kwimhlaba waseFransi.
Abafokazi abahlala eFransi kufuneka bavule i-akhawunti yasebhanki. Abaninzi bakhetha ukubuyela kwibhanki yangaphandle ngenxa yemali ephantsi. Enyanisweni, ukugcina iakhawunti yakho evulekileyo kwilizwe lakho ingaba yisigqibo esibi kunye nesingenakunceda.
Ubungakanani bokuhlala eFransi buyigqibo ekukhethweni kwesibonelelo kunye nebhanki. Abahlali bezinye iintlanga abayi kuthuthela kwiibhanki ezifanayo okanye inzuzo xa baceba ukuhlala ngaphezulu okanye ngaphantsi komnyaka kwilizwe laseFransi.
Imiqathango yokuvula i-akhawunti kwibhangi laseFransi
Abo banqwenela ukuvula i-akhawunti yebhanki njengabazalwana bamazwe angaphandle baya kufuneka ukuba banikeze i-ID yesithunzi esemthethweni. Ngoko ke unokukwazi ukuba yipaspoti. Amanye amaxwebhu afanelekileyo achaza ukuba ngubani umenzi wesicelo angacelwa. Oku kwenzeka ngokukodwa xa abakuphelayo bengenako okanye bangahambi ngokwenyama (iibhanki ze-intanethi, umzekelo). Umntu kufuneka abe ngumdala kwaye akufanele avalwe.
Ubungqina (bokuqinisekisa idilesi yokuhlala eFrance) buza kucelwa kwakhona. Amaxwebhu athile athethelela imeko yakhe yezemali enje ngesivumelwano sengqesho okanye ubungqina bengeniso anokulindelwa. Iibhanki zaseFrance kunqabile ukuba zigunyazise ii-overdrafti kwezi akhawunti zebhanki.
Vula i-akhawunti yebhanki ngaphezu konyaka omnye
Amabhanki anakho namhlanje angokomveli kwaye ngokoqobo, okanye agqitywe ngokupheleleyo njengoko kunjalo kwiibhanki kwi-intanethi. Izinikelo zabo ziyahluka kwaye kufuneka ziqhathaniswe.
Iibhanki zesiFrentshi zesiNtu
Kubantu bezinye iintlanga, ilula kakhulu ifuna ukucetyiswa kwebhanki yendabuko yaseFransi, ingakumbi ukuba ayinakuhlangabezana nemigqaliselo ekulindeleke kwiibhanki ze-intanethi. Abantu abanqwenela ukuvula i-akhawunti yebhanki kufuneka ahlale eFransi, yaye kungabi nje apho wokhenketho.
Iibhanki ezinkulu yokusebenza France Societe Generale, BNP Paribas, Credit Agricole, Credit Mutuel okanye HSBC zonke iibhanki anokuthi acelwe yi bamazwe angaphandle. Vele uye ngqo ID arhente kunye njengobungqina bokuzazisa kunye ingeniso kunokuba ngokwaneleyo ukuvula i-akhawunti yebhanki.
Amabhanki kwi-intanethi
Oko kufuneka ukwazi ngebhanki ye-intanethi kukuba bahlala befuna ukuba umthengi abe ne-akhawunti yasebhanki esuka kwibhankini yaseFransi. Oku kuvumela ukuba baqinisekise ubungubani bomnini kunye nokuzikhusela ekukhwabaneni. Wonke umntu ofuna ukuvula i-akhawunti yasebhanki eFransi kufuneka ukuba sele esele emzimbeni kwiBhanki yaseFransi. Ukuba umthengi akanalo i-akhawunti, kufuneka kuqala abuyele kwibhanki yaseFransi yenyama ukuze avule kuqala. Uya kukhululeka ukuba afake isicelo sebhanki kwi-intanethi ukuyitshintsha.
Abafokazi abahlala eFransi ukuba basebenze okanye baqhubeke nezifundo zabo baya kukwazi ukubuyela kwiibhanki zaseFransi. Zilungelelaniso kubahlali bamazwe angaphandle kuba ziphantsi kakhulu. Abaninzi babo banikela ngokunikezelwa kwamahhala kwaye bamkele abathengi bazo zonke iintlanga ngokukhawuleza ukuba banokuthi bavume ukuhlala kwabo kwiFransi.
Iibhanki ezikwi-Intanethi zihlala zineemeko ezimbalwa, nangona ezinye zinobunzima ngakumbi kunabanye. Rhoqo, umntu obhalisileyo kufuneka abe kubudala obusemthethweni, ahlale eFrance kwaye abe namaxwebhu axhasayo ayimfuneko (isazisi, indawo yokuhlala kunye nengeniso). Ezi bhanki zikwi-Intanethi zezi: Fortuneo, ING ngqo, Monabanq, BforBank, Molo Bank, Axa Banque, Boursorama…
Vula i-akhawunti yebhanki ibe ngaphantsi konyaka
Le meko idla ngokubanzi ngabafundi kunye nabafundi base-Erasmus abaza eFransi ngeenyanga ezimbalwa kuphela. Aba bantu belizwe lasemzini bafuna ibhanki yaseFransi ukuvula i-akhawunti kunye nokugcina iimali zebhanki (ukuphepha ukuthunyelwa kwamashishini kumazwe angaphandle). Eneneni, ngokuba aba bafundi, imirhumo eentlawulo kunye notsalo uphezulu kangangokuba kufuneka ukuvula i-akhawunti yebhanki abahlala e-France.
Ibhanki ye-intanethi ayinikezeli isisombululo esifanelekileyo kulaba bantu. Iibhanki zendabuko zihlala zisisombululo esihle kakhulu sokuvula i-akhawunti yebhanki xa ubude bokuhlala bungaphantsi konyaka omnye.
Vula i-akhawunti yasebhanki eFransi ngelixa uhlala kwelinye ilizwe
Abafokazi abangahlali eFransi bangadinga ukuba bathathe i-akhawunti yasebhanki eFransi. Ibhanki ye-intanethi ayinikezeli lolu hlobo lwesibonelelo. Uninzi lwamabhanki aseFransi anqwenela ukuvula le akhawunti. Zisisombululo esisisigxina.
Eyokuqala kukuya kwibhanki yemveli yabaphambukeli. Abanye bayabamkela abathengi abangahlali eFrance. Kwi-Intanethi, inye kuphela eyivumelayo kwaye yi-HSBC. Banokuya kwisebe kwaye banxibelelane neSociété Générale okanye iBNP Paribas. ICaisse d'Épargne kunye neCrédit Mutuel nazo zinokufikelelwa.
Okokugqibela, isisombululo sokugqibela siyafumaneka kubahlali bamanye amazwe: yibhanki ye-N26. Yibhanki yaseJamani enabela kumazwe aliqela. Ukurhuma, kufuneka uhlale kwelinye lala mazwe: France, Germany, Ireland, Austria, Spain, Italy, Belgium, Portugal, Finland, Netherlands, Latvia, Luxembourg, Lithuania, Slovenia, Slovakia, Estonia nase Greece. . Ukuba yiRIB yaseJamani, umthetho osebenzayo wokucalucalulwa kwebhanki eYurophu unyanzela amaziko aseFrance ukuba awamkele. Olu khetho lunokubonisa ukuba lunomdla kwiimeko ezininzi.
Ukugqiba
Ukuvula i-akhawunti yasebhanki eFransi kunokubonakala kubanzi. Nangona kunjalo, lo mkhuba uvame ukuba lula kwiiminyaka, ingakumbi kubantu basemzini. Iibhanki zaseFransi zibophekile ukuba zikwazi abathengi bazo. Bazama ukubonelela ngeendlela ezilula zokuvula i-akhawunti yabo yangaphandle.
