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 Credit consumption
Rules concerning cash The passage of frank to the euro is still in all the memories. Some will need a little time to smell itself completely at ease with the new currency.
The replacement of frank by the euro at the beginning of 2002 did not change the rules which apply in France to the circulation of cash that one still calls fiduciary currency.
On the other hand, since January 1, 2002, the coins and the tickets in euros which circulate in France are usable as well in the other countries of the zone euro and in the same way, the foreigners who come to France can use there the coins and tickets with which they arrived.
The tickets in euros are 7 (5, 10, 20, 50, 100, 200 and 500€). They are identical whatever their country of origin. Many signs of safety were laid out on the new tickets to dissuade the forgers.
The principal ones are as follows:
- tickets of 5, 10 and 20€: make in filigree, wire of safety, holographic magnetic tape, iridescent band.
- tickets of 50, 100, 200 and 500€: make in filigree, wire of safety, pelletizes metallized holographic, ink with changing color. The parts are 8 (1, 2, 5, 10, 20, 50 centimes, 1 and 2 euros).
They comprise a face common to all the countries of the zone euro, on which the value of the part is registered in a quite visible way.
The drawing appearing in the reverse of the part depends on the country where it was manufactured. As these parts are valid in all Europe, they gradually will mix
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Imagine your life without bank. How would you perceive your wages? How could you obtain what to eat, you to place, you to dress, etc? How could you preserve in safety on your premise the money of your economies?
In short, one could multiply the examples as well it is clear as the bank constitutes an essential and even essential wheel of our economy.
For better including/understanding the role of the bank, one could take an image and say that the bank is a little with the economy what water is with the life.
One needs some everywhere, but each one knows well that to collect it, to distribute it, to recycle it, it is necessary to implement average materials and human considerable. For this reason banking constitutes a true industry
Your bank Establishment authorized by the law to ensure of the operations of bank i.e. the reception of funds of the public, the operations of credit, as well as the availability of the customers or management of means of payment. The institution term credit or case is also used
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 List of the parts required for the repurchase of debt or a request loan In order to facilitate the steps and to shorten the deadlines, you can right now take note of the supporting documents necessary to the constitution of your file of repurchase of debt.
Identity of the people Copy identity papers (recto and back) Family record book (children included/understood) Marriage contract (if exists) Document in proof of residence: invoice France Telecom or of portable + EDF In the event of divorce, judgement of final divorce with liquidation of community
Your Incomes the last 3 payrolls Payroll of last December Contract of employment or certificate of the employer confirming the TDCI and the seniority (so less than 2 years of seniority or so not indicated on the payroll) the last 2 opinions of imposition Document in proof of the obligatory CIF if you perceive services
For the nonpaid ones (liberal professions, managers, craftsmen, tradesmen) the last 3 opinions of imposition 3 tax last 2035 or bundles For the pensioners:
Last bulletin of pension For the preretraities: the last 3 bulletins of allowance ASSEDIC If you perceive land incomes:
The land income tax return 2044 Leasing agreement of each rented good 3 last corresponding receipts Tax land with each rented good If you are on parental leave:
Certificate of the employer confirming the date of recovery as well as a certificate on the honor of your share confirming the recovery at the date envisaged
Your bank accounts the last 3 statements for the whole of your bank accounts, including the CODEVI, accounts savings, or professionals If you have rejections on your loans or taxes thank you to provide us the last 6 statements.
Bank account number, Your loans Initial offers with the general and particular conditions of the real loans, atrate 0%, and ready redeemable personnel amortization tables of the real, personal loans last statements for the accounts revolving and charts
Your real inheritance Complete document of title Tax land recent photographs of the good given in guarantee Multirisk certificate of insurance dwelling if you have a certificate of value of your good thank you to join it to the file.
To pay in cash can seem extremely flexible. However, there are rules which it is to better know not to be taken at fault.
The parts and tickets have the advantage of immediately releasing from its obligations of payment a person who uses them and they can be re-used at once by that which receives them (even if it does not have a bank account).
Moreover, except in the cases evoked hereafter, a payment in cash cannot be refused, contrary to the other instruments of payment. Here cases where one can however refuse your payment in cash:
The parts or the tickets which you present to pay do not have legal tender in France. For example, they are frank whereas the frank one lost its legal tender since February 17, 2002. Or even they are foreign currencies and not euros.
The parts and tickets are not in good condition. They in particular will be refused to you if, being seriously damaged, they are likely to be rejected by the bank of France. The number of parts is too important.
A tradesman is not held to accept more than fifty parts during one only payment. (article 11 of payment EC 974/98 of May 3, 1998) If you do not make the supplement, the tradesman has the right to refuse the payment in cash.
The amount of the transaction exceeds 3.000€, provided that you are not yourself a tradesman (1 100€ in the contrary case).
The fine of 15.000€ incurred in the event of payment in cash of a good or a service of more than 3.000 € falls for half to the private individual not trading who carried out the payment and with the salesman of good or to the service provider which accepted it, each one being jointly held to ensure the total payment of it. (articles 1649 quater B and 1749 of the Code General of the Taxes).
Moreover, of course, a tradesman will not accept a ticket or an obviously false part and, moreover, it are held in this case to prevent the police force immediately.
On the other hand, a simple doubt as for the authenticity of the ticket or the part does not enable him to refuse this means of payment which has legal tender, but it can raise the identity of its customer, for the case where thereafter, the part or the ticket would prove indeed false.
For the payments of less 30€, electronic porte-monnaie represents an alternative simple, sure and always available. For the payments of large amount, the bank draft or the transfer is adapted best.
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