Put the money in an account book or pamphlet B is guaranteed without loss, with the exception of bankruptcy. In this case, the legal deposit guarantee covers up to the height of 70000 euros, all accounts combined. Note however, if your account booklet opens with a bank in France is just a branch, the money in this account will depend on the country of the Bank's headquarters.
The money in an account in the brochure is available at any time. If your account is managed by the same financial institution, bank or insurance company, the transfer will be credited the same day, or worse the next day. In other cases, allow two or three days to collect the money.
It is also possible to withdraw money from an account in the brochure in the window. For large quantities, more than 1500 euros, is preferable to avoid the eve of the withdrawal. A minimum amount must remain in the B owner to prevent the siege end.
A story about the publication fee may vary from one organization to another, usually around 3% gross. Some banks offer bearings on the basis of the amount of money in the prospectus. These levels vary throughout the year.
The interests of a passbook account are subject to income tax. You have to use the tax on income and is taxed on its income tax schedule. This addition is 11% social contributions, payable in November, which are the subject of a notice of special tax. It will, if you opt for the withholding tax of 16%, being higher by 11% of social security payments, the financial institution that manages the B brochure or account in the script, do not forget to pick up 27% the amount of interest before they credit your account.
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