Kuyini overdraft amakhadi? Overdraft, ikhadi

A ezihlukahlukene amakhadi epulasitiki izinhlangano ezihlukahlukene yasebhange nawo njengomnyango mkhulu kakhulu. Phakathi kwabo kukhona lasebhange, credit, overdraft ikhadi. I emihle nemibi uhlobo ngalinye ihlukile. Yini kubahlanganisa ngokuyinhloko kuphela ekhadini ngalinye ine wenkonzo waminyaka yonke, okuyinto, kuncike kule mibandela kungenzeka amanani angalingani. Imininingwane Basic ekhadini ngalinye plastic ngezansi.

Izinhlobo amakhadi epulasitiki

Debit card - ikhadi elilodwa lamabhange ebhekisela akhawunti yakho lapho. Sebenzisa izimali ezivela akhawunti kwenziwa ngaphakathi lemali ovumelekile. ukusebenza debit card kuyinto udaba silula. Ukuze wenze lokhu, udinga ukunikeza kuphela passport yakho njalo, futhi ugcwalise imininingwane ye-akhawunti yakho yasebhange. Debit amakhadi kwandile, njengoba abaqashi abaningi abayibheka njengebalulekile ingenzele ukuba abasebenzi babo futhi ukhiphe zonke izinkokhelo ze-non-imali.

Ikhadi lesikweletu ikhishwe uMnyango omunye amabhange ekuqinisekiseni ikhono umboleki sezimali ukukhokha izimali esetshenziswa isikhungo credit. Imigomo credit kusho ezahlukene zenzalo, khona kanye nobude isikhathi somusa, nezinye izinto ngokuhambisana nemibandela kanye amazinga ibhange ekhethiwe.

Kuyini overdraft amakhadi?

Overdraft ikhadi ibizwa ngakho ngenxa inhlanganisela izinhlobo ezimbili eyedlule of amakhadi epulasitiki. Isici esiyinhloko siwukuthi etholakalayo ukubhalisa kuphela uma idlulisela kwabasebenzi yakho. Okokuqala, bhala-off izindleko kwenzeka ngokunembile ngezindleko zabo kumephu, futhi kuphela ezimweni lapho lemali ku-akhawunti alwanele ukukhokhela overdraft esetshenziswa. Kuyini overdraft amakhadi? Empeleni, i-overdraft - loan yesikhashana. overdraft esifushane ngokuthi ngoba befuna imbuyiselo senzeka ngenyanga ezayo ngesikhathi kwabasebenzi.

umlando overdraft

Ekuqaleni, amabhange Russiisevisi overdraft enikeziwe kuphela izinhlangano ezingokomthetho. Inkampani uma kwenzeka isimo lapho p / yabo s ayinalutho, ingakwazi ukusebenza kwezimali ebhange ukuze akhokhele izikweletu zayo kwezinye izidalwa. Ngesikhathi kokuthola imali ku-akhawunti ebhange wabhala off ingxenye yazo ku-akhawunti buyiselo ezikweletini, kanye nabo bonke abanye bahlala ku-akhawunti.

Esikhathini esizayo, isevisi yasungulwa emkhakheni yasebhange okudayisa futhi waziwa ngokuthi "overdraft abantu ngabanye." Icebo ukuhlinzekwa kanye nokusebenzisa izimali ezibolekwe nsé isikimu izinkampani service. Kalula yasebhange overdraft lingachazwa kanje.

Ukuntuleka kokukhulumisana ezezimali ngesikhathi ekhokha overdraft → Sebenzisa futhi kukhokhelwe izimpahla / amasevisi → Ukukholisa nge izimali zidluliselwa ku-akhawunti ye-umqashi

Sberbank ikhadi overdraft ukusebenza

Kuyini overdraft amakhadi, ufundile ngenhla. Sberbank - Yibhange ezivamile nokunokwethenjelwa eRussia, abaningi ngakho-ke iba ezithakazelisayo yini overdraft ikhadi Sberbank eRussia. Ake uqale kusukela ekuqaleni.

Kuyini overdraft ikhadi Sberbank eRussia? Lokhu ikhadi iholo komuntu exhunywe ne ukusebenza overdraft (zokweboleka short-term imali ebhange).

Overdraft ikhadi Sberbank ikhishwa uma isicelo igatsha lasebhange kanye nokuhlinzeka iphakheji kwemibhalo (uma iholo wena njengamanje uthole ngokusebenzisa amabhange third-party).

1. Isicelo le sevisi.
2. iphasipoti yakho.
3. Certified ngumqashi ikhophi yencwadi umsebenzi.
4. Kuvele isitatimende engenayo noma isitatimende se akhawunti nomunye yasebhange.

Uma inkampani yakho isivele wakhonza Savings Bank, futhi ikhadi onayo isandla, ukuxhumeka isevisi kuyoba lula kakhulu. Bheka legatsha yasebhange ipasipoti kumephu, futhi Savings Bank yanoma yimuphi umsebenzi Ungaxhuma a sokusebenza.

Imigomo ikhadi iyisikhungo overdraft

Njenganoma yimuphi service yasebhange, ne ibalazwe obusebenzayo overdraft iyatholakala ezimweni ezithile. Endabeni ukusetshenziswa kwezimali waboleka kukho inani yasebhange overdraft isithakazelo amacala. Sberbank senzalo kuyinto 18% ngonyaka. Izinga liphansi efika kuqala. Nokho, kukhona ukwaziswa okubalulekile iklayenti kufanele kucatshangelwe.

1. Yokudlula umkhawulo igcwele ukwanda isilinganiso senzalo ukuba 36% ngonyaka.
2. Izinsuku zokucisha ejenti kulinganiselwe isikhathi lemali 1 inyanga. Ekuqaleni senzelwe lolu hlobo wamakhadi mali idluliselwe igama lakho akuyona esingaphansi 1 isikhathi ngenyanga.
3. Overdraft engabondli abakubo Umusa-inkathi (lapho isithakazelo ukusetshenziswa icala).

Overdraft Map Savings Bank. Ngazi kanjani umkhawulo?

Kuyini overdraft amakhadi Savings Bank of Russia, uyazi. Futhi ingabe uyazi kanjani umkhawulo? IBhange sinquma umkhawulo overdraft iklayenti ngayinye. Inani overdraft, ngokuvumelana nemithetho ye ibhange abantu ngokomzimba hhayi ngaphezulu kuka-50% imali engenayo nyanga zonke. Ukuze izinhlangano ezingokomthetho, kulinganiselwa esekelwe value isilinganiso inzuzo phakathi nezinyanga ezimbalwa ezidlule (izinyanga eziyisithupha). Ubukhulu overdraft kuyoba 40% kwaleli nani.

Futhi ku umkhawulo ikhadi zingatholakala ngokusebenzisa isevisi Sberbank inthanethi. Ku-akhawunti yakho siqu, uzobona ulwazi mayelana ubukhulu izikweletu overdraft kanye uzokwazi ukuhlola izindleko zabo isitatimende sasebhange.

Ukukwenza kanye loans

Uma siqhathanisa izimo ukuthola umthengi esikweletu overdraft ku kwabasebenzi ikhadi, kuba ngconywana ukuba lo muntu obolekayo kungaba ukhetho lokuqala. Inzalo engako, futhi isamba semalimboleko kukhona inzuzo eyengeziwe, ikakhulukazi uma uhlela ukuthenga izimpahla ezibizayo noma izimpahla zabo lingaphezulu kumkhawulo overdraft.

Credit card Ungase futhi abhekwe njengendoda esihle kuqhathaniswa overdraft, ikakhulukazi uma eqeda kwenzeka phakathi nesikhathi esibekiwe. Njengoba iBhange isithakazelo kule ndaba, khona-ke aluphumeleli ukushaja.

Imigomo overdraft

Umuntu ukuxhumana ebhange nge isicelo overdraft, kumelwe ahlangabezane nezimfuneko ezithile we zokuthenga ngesikweletu.

1. inkonzo okuqhubekayo umsebenzi kumele kube okungenani izinyanga 6 endaweni efanayo futhi ngesikhathi ukwelashwa umuntu kumele baqashwe ngumqashi.
2. Akufanele babe ukubolekisa oluvelele okwamanje. Bank overdraft bazimisele kakhudlwana ukuzamukela ukunikeza namaklayenti omuhle credit umlando. Le mfuneko kuyinto ngokuzikhethela ibhange ngokuhambisana imibhalo sangaphakathi yasebhange okudayisa.
3. IBhange angenza izimangalo ezihlobene ne ukubhaliswa. Ngokwesibonelo, ukunikeza overdraft iklayenti, okuyinto lisetshenziswa igatsha lasebhange esifundeni yokuhlala.
4. Okunye izidingo eziphathelene imali lomunye umuntu noma izinhlangano.

Okumbi overdraft amakhadi

Uma isetshenziswa Ingcenye eqakathekileko yomsebenzi wehlelo umkhawulo overdraft, iholo ku-akhawunti yakho kungase kunganeli ukushabalala kwayo okugcwele. Futhi isikhathi izikweletu inkokhelo overdraft ikhadi kunzima kakhulu, 1 inyanga. Ngakho, siyazikhethela kakhulu londoloza ngenyanga ezayo, umbiko izimali zabo evela kweminye imithombo. Lena esingesihle kakhulu. Phela, uma lokhu akwenzelwa, overdraft ngeke aze avalwe, futhi inzalo enqwabelene bayobe sebekhona kakade 36% ku esele esikweletini. Okungukuthi, wena kakhulu overpay ekugcineni.

Ukuze usebenzisa isevisi kufanele akhokhe overdraft, kanye lakho yesondlo akhawunti. Inani overdraft ngokuzenzakalelayo emalini ikhadi kanye ngonyaka. Izinhlawulo kanye nezinhlawulo yokukhokha sekwedlule isikhathi icala ukuze iklayenti, hhayi ama-akhawunti wezinkulungwane izinhlangano ezingahlangene lokuphekiwe isikhathi ukhokha.

Izinzuzo amakhadi overdraft

Kuyini overdraft amakhadi futhi yiziphi izinzuzo zabo, funda ku. Inzuzo main ke kungenziwa ngokuthi izimfuneko wayithola. Ikakhulukazi uma usuvele ilungu Savings Bank yephrojekthi iholo. Ikhadi nge umkhawulo overdraft, ngokuvamile eyakhishwa Visa and MasterCard amasistimu wokukhokha akuzona ngezansi ezingeni okujwayelekile (okuthiwa ikhadi yezenhlalakahle engabondli abakubo khona kanye overdraft uxhumano).

inkokhelo Esifike Ngesikhathi yesikweletu ku overdraft kanye ukudluliswa kweemali ngesikhathi ku-akhawunti yakho ukuhlola - isiqinisekiso enokuthula yakho. Kulokhu, lo ngokweqile okuhlinzeka loan short-term ngeke kwenzeke futhi overdraft Kuvalwa (kabusha zero). ukusetshenziswa esengeziwe kwaqhubeka lapho imingcele ejwayelekile: 18% kanye no-1 ngenyanga ukukhokha.

Amathiphu abanikazi overdraft amakhadi

Funda mayelana nezinsiza ezikhona kumephu yakho ngezindlela eziningana:

• lapho kubhekisela kulokho umnyango ezimali komqashi
• ku-akhawunti yakho siqu kule sayithi ebhange isevisi.

Ukuze ugweme izindleko ezengeziwe elihlobene ne-nokukhokhwa enqwabelene isithakazelo, izinhlawulo noma izinhlawulo, kumelwe sihlale njalo siqaphele akhawunti yakho lasebhange. Ezinye ezikhumulweni (ATM) ongabonisa isamba semali esikhona, kuhlanganise overdraft kanye amaholo enqwabelene.

on ukususwa ka funds operation noma ukukhokhela izimpahla / services ukukhiqiza usuku kangcono ngokuzayo after accruals njengoba ngaso sonke isikhathi monies - inkokhelo enqwabelene - ngokushesha kufanele zifakwe. Ungase uhlangabezana nezinkinga lobuchwepheshe, kanye bhala-off kuzokwenzeka ngenxa overdraft, njengoba senani uhlale onawo.