Ilungu umane nje uyilungu lenkontileka yomshwalense noma inkontileka yasebhange, obhalisile okukhulunywa ngaye unesabelo enkampanini. Yiqiniso, ilungu kufanele libhalisele umshwalense noma ibhange elihlanganyelwe noma ngisho nesikhungo sezimali esihlanganyelwe. Ngakho-ke, umlandeli uzoba noma athole lokho okubizwa ngokuthi inombolo yelungu ! Yini leyo ? Ungayithola kuphi? Izimpendulo!
Ithini inombolo yelungu futhi ngingayithola kuphi?
Njengoba kushiwo ekuqaleni, ilungu, yilowo obambelela esivumelwaneni somshwalense noma lokho okubizwa ngokuthi inkontileka yasebhange yokubambisana noma yokubambisana. Amabhange ahlangene okukhulunywa ngawo ajwayelekile:
- la I-CASDEN I-Banque Populaire, ebuye ibhekwe njengelinye lamabhange okubambisana angcono kakhulu eFrance;
- Les amabhange kazwelonke we-Credit Agricole ;
- le Isikweletu esihlanganyelwe ;
- la I-French mutual bank BFM;
- iqembu BPCE okuhlanganisa ibhange lokonga;
- la okusha.
Uyobe ukuqonde kahle, ngoba ukuba yilunga, okumele ukwenze nje ukubhalisela ibhange lomfelandawonye, kungalesi simo kuphela lapho uyilungu khona. Ilungu alilona nje ikhasimende, kodwa futhi lingomunye wabanikazi bokusungulwa.
Manje kwe- thola ukuthi inombolo yakho yelungu ikuphi, vele ubheke amadokhumenti alandelayo:
- isitika semoto noma ikhadi eliluhlaza;
- isaziso sokuphelelwa yisikhathi;
- izitifiketi zomshwalense;
- esicelweni sakho sobulungu bezempilo;
- endaweni yakho ye-inthanethi yomuntu siqu.
Kubalulekile ukugcizelela lokho for thola inombolo yakho yelungu, kuncike ebhange elihlangene noma lokubambisana olikhethile.
Kungani ube yilungu lebhange lakho?
Kufanele kushiwo lokho ube yilungu lebhange lakho inezinzuzo eziningi! Ngokuba ilungu, ungaphezu nje kwekhasimende. Okokuqala, unamasheya, vele, konke kuncike ekutheni utshale malini.
Sicela uqaphele ukuthi amasheya owathole ebhange lakho ukuba yilunga azihlangene nhlobo nengcebo ezuziwe ekugcineni, njengoba inani lamasheya alishintshi ngokwemakethe. Ngakolunye uhlangothi, njengelungu, uyazuza kulokhu:
- uhlaka lwentela olunenzuzo, okusho nje ukuthi ukhululiwe ezintela eziningi;
- lonke ulwazi olubalulekile mayelana nenqubekelaphambili kanye nenqubekela phambili yezinhlangano zamabhange ezizayo;
- ukufinyelela okuqondile kuyo yonke into ephathelene nokusebenza kwebhange, amaphrojekthi axhaswe ngezimali, ukuphathwa kwezimali, njll. ;
- ukubamba iqhaza emihlanganweni evamile yebhange lakho futhi ngaleyo ndlela wenze izwi lakho lizwakale. Konke kwenziwa ngamavoti nalapho unethuba lokuhambisa amaphrojekthi neziphakamiso;
- amanani akhethekile emikhiqizweni ehlukene, ngaphezu kwalokho, uzoba nethuba lokuzuza ekuncishisweni okuningi kwezimali ezenzweni ezithile.
Ngokuba ilungu enhliziyweni yebhange lakho, kufana nokunikezwa okukhethekile nokunenzuzo!
Ungayitholaphi inombolo yelungu ngokwezinhlobo zamabhange ahlangene?
E-Macif, kulula ngempela thola inombolo yakho yobulungu. Eqinisweni, ingatholakala ku:
- kusitika semoto yakho;
- isaziso sakho sokuphelelwa yisikhathi;
- izimo zakho ezithile;
- isicelo sakho sobulungu bezempilo.
Ngaphezu kwalokho, uma ufuna ukuxhuma endaweni yamakhasimende akho, isibonelo, ku-MAIF, kulula, kufanele uthayiphe igama lakho lomsebenzisi (isibonelo ikheli lakho le-imeyili) noma inombolo yelungu equkethe amadijithi ayi-7 nohlamvu olu-1. Inombolo yakho yobulungu be-MAIF ingatholakala esazisweni sakho sokuphelelwa yisikhathi noma ekhadini lakho eliluhlaza.
Ekugcineni, kufanele ukwazi lokhongokuba yilunga, awudingi ukudala isikhala sakho siqu, kufanele ufake igama lakho lomsebenzisi nephasiwedi. Uma ulahlekelwe noma ukhohlwe igama-mfihlo lakho, vele uchofoze “iphasiwedi ekhohliwe” bese usuqedile!
Manje uyazi ukuthi kanjani thola inombolo yakho yelungu, kungakhathaliseki ukuthi unezikweletu ezifanayo, i-Caisse d'Epargne noma i-CASDEN.
