Thina, okanye sonke, sele singabathengi bayo nayiphi na ibhanki. Yazi namhlanje, ukuba kubo bonke abo bayinqwenelayo, ngokuhlonipha iikhrayitheriya ezithile, ikwanjalo kunokwenzeka ukubaukuba lilungu kwibhanki enye odityaniswe kuyo. Oku kuthetha ukubakwaye uya kuba nezabelo zakho kule bhanki ixeliweyo, eya kukuvumela ukuba ufikelele kwiinkonzo ezithile. Oku, enyanisweni, kunokwenzeka kwi la IBhanki yoLondolozo. Silandele, kweli nqaku, sikuchazela yonke into!

Yintoni ukuba lilungu lebhanki?

Ukuba lilungu yebhanki ehlangeneyo imali yokuba nezabelo kuloo bhanki. Ezi zamva zifana nezabelo, kodwa zibonise umngcipheko omncinci kwaye zikuvumela ukuba uthathe inxaxheba ngokubonakalayo kwizigqibo ezenziwe yibhanki. Izabelo nazo azibhalwanga kwi-stock exchange njengezabelo kwaye zinexabiso eliqhelekileyo elibekwe kwi-20 euro. Abekho hayi phantsi komgaqo we unikezo nemfuno kwaye ke ngoko musani ukuguquguquka. Unalo ithuba lokuba ibuyiselwe ngokupheleleyo xa ithengisiwe.

Zininzi izinto eziluncedo ezinokuvela ngokuthatha inxaxheba kweli nyathelo, eyona nto ibalulekileyo kukuba unikwe ithuba lokuba ulenze thatha inxaxheba kwiintlanganiso jikelele ukukwazi ukuqhelanisa nenkampani ngobuchule. Ukuba lilungu kubandakanya thatha inxaxheba ngokukhutheleyo ukuphuculwa kwenkonzo enikezelwa yibhanki kwi:

  • ukulawula imisebenzi yengxowa-mali;
  • ukuba ngunozakuzaku;
  • inika uluvo lwayo malunga namathuba otyalo-mali kunye noqhelaniso olunokuthi lulandele.

Yiba lilungu leCaisse d'Epargne

galela ube lilungu leCaisse d'Epargne, nokuba ngumntu wendalo okanye osemthethweni, konke okufuneka ukwenze kukubhalisa kwizabelo. Ukuba lilungu lebhanki yokonga kuthetha ukuba nethuba lokuthatha inxaxheba kwizigqibo ezicwangcisiweyo zebhanki yakho, amalungu abandakanyeka kubomi bebhanki ngokonyula abameli, abalawuli kwakunye namalungu endibano kawonke-wonke yebhanki yokonga. Ngaloo ndlela, uya kuba ngokungathanga ngqo amandla e tshintsha umsebenzi Caisse d'Epargne ukuzama ukuyiphucula kangangoko.

Ezi ndibano zibanjwa minyaka le, ngelo xesha uya kukwazi ukuxoxa ubuso ngobuso kunye nabo baqhuba ibhanki kunye zabo ngenisa izimvo zakho, naziphi na izindululo, njl. Asiyondibano kawonke-wonke yokwabelana ngezimvo, eminye imisitho emininzi iququzelelwa apha enyakeni yibhanki yokonga.

Kananjalo akufanele ulibale ukuba into oyityala imali kwibhanki yokulondoloza iya kuba utyale kwakhona iiprojekthi zomhlaba apho wonke umntu unokuxhamla kuyo, ibhanki yokonga ngokwenene iyasebenza kakhulu ngokwemiqathango uqoqosho lwembumba kwaye ingomnye wabaxhasi bayo bokuqala bezentlalo. Ngokuba lilungu, uya kuba nefuthe ngqo ukuphucula ibhanki yakho, kodwa kwakhona, ngendawo yakho yobomi.

Ibhanki yokonga igxininisa izenzo zokubambisana kwaye ayilibazisi nika ukubonelela ngeendawo. Ityala imali ngokukodwa kwiiprojekthi ezininzi zasekhaya kunye nezidibeneyo kwaye ngotyalo-mali lwakho, uyanceda ukuqonda ezi projekthi.

Iinzuzo zokuba lilungu leCaisse d'Epargne

Yamkela ukuba ilungu lebhanki yokonga asiloncedo. Ukuba nezabelo kule bhanki macala kuya kukuzisela uncedo oluninzi:

Iklabhu yebhanki yokonga

Les amalungu ebhanki yokonga ube nethuba lokuba yinxalenye yebhanki evaliweyo yebhanki, ubulungu bukhululekile kwaye kunokwenzeka kubo bonke abathengi abadala abanezabelo.

ikamva

Abanye abancedisi beCaisse d'Épargne, njengaleyo ikwingingqi yaseBrittany Pays de la Loire, babambisene nekamva lokubonelela. ibhokisi yokunxiba kumalungu, le bhokisi iquka uqhelaniso lwesikolo nelomsebenzi wobugcisa ukuze kuncedwe abantu abaselula abaphakathi kweminyaka eli-14 nama-25 ubudala baphucule izakhono zabo. Ibhokisi yekamva inikeza abathengi amalungu kwibhanki yokonga i-coatching eyenziwa ngezigaba ezi-3. Inyathelo 1ʳᵉ kuku ukwenza iimvavanyo ezahlukeneyo, ezi zokugqibela zezi:

  • ingxelo yokuqhelaniswa;
  • BF5s, o.k. iimvavanyo zobuntu;
  • iimvavanyo zokukhuthaza, ngakumbi ngakumbi nge "PRISM".

Inqanaba le-2ᵉ ludliwano-ndlebe kunye nesikhokelo esinikezela a ukwambathisa owenziweyo, kwaye ekugqibeleni, isigaba se-3ᵉ siqulathe udibaniso kunye nezindululo ezi-3 zokuqhelaniswa nemfundo okanye yobungcali.