Kuyini overdraft. Sberbank futhi izinhlobo obolekisayo

Yini esiyaziyo overdraft? Lena ngenye yama- izinhlobo abolekise sabantu, okuyinto libhekene alula, lula ukusetshenziswa kanye nomklamo. Ungaphinda uthi ukuthi kuncishiswa izikweletu zemalimboleko okukhethwa kukho esihle kakhulu kulabo ungafuni zincike ubani, ngisho noma esikhathini esithile Kuyaphuthuma imali. Omunye okukhethwa best for umthengi overdraft. Savings Bank inikeza isevisi enjalo.

Imigomo

Into yokuqala ukuthi ngokushesha kungabonwa amaziyo eduze nemibandela - inani lenzalo. Asinakusho eliphezulu kakhulu futhi ukuthi ubeyisibenzi, kodwa onogada ukuthi zingashintsha ngokuqhubeka kwesikhathi, ngakhoke unilaterally, okungukuthi ngaphandle kwesivumelwano kwangaphambilini nge iklayenti. Obolekayo isixwayiso kuphela ezinyangeni ezimbili ngaphambi izimo ezintsha zisebenze, futhi kufanele noma ukwamukela kubo noma likhokhe overdraft. Sberbank futhi lapho ukwehla kwamandla emali aqondene ngeke isebenze at ukulahlekelwa, njenganoma iyiphi enye yasebhange - kuzokhulisa izinkokhelo ukukhulisa amanani noma kwethulwa izimali ezengeziwe.

Inani izinkokhelo zenyanga

Ngesikhathi kuncishiswa izikweletu zemalimboleko ngempela kudingeka ukuba banake nenani lenkokhelo nyangazonke. Ngisho noma nyanga ukukhokha loan, kodwa isamba enganele ukuba isifundazwe sikhokhele inkokhelo encane, loan kuyokwenziwa yisikhathi. Bazothola isithakazelo futhi isicelo yenhlawulo. Kodwa lokho akuyona yonke embi kakhulu. Uma uqalisa overdraft, Sberbank kungayilungisa umlando credit ezimbi, okungase kuholele izinkinga ngokuthola credit.

Kwenzekani uma ungakaboni ukhokha?

Uma ungayikhokhi overdraft Savings Bank isikhathi eside, inhlawulo, isijeziso kanye nezimali ingavuthi mkhulu kunezinhliziyo isamba ukubambezeleka uqobo. Futhi ngisho noma i-izinkokhelo uzobuyiswa ke inani loan ayikanye repayable nje yonke isigwebo ngeke ukhokhelwe. Kukhona amacala uma ikhasimende is hhayi phindisela overdraft kwezinyanga ezimbalwa, bese-ke uqala ukwenza inkokhelo esincane, kanye nenani izikweletu ngesikhathi esifanayo kuzokhulisa kuphela. Iklayenti kumangala akucaci kanjani onjalo kungenzeka. Kulula kabi - kwezinyanga ezimbalwa wagijima esikweletini ukuthi ikhasimende lakhe awubhekene lapho kokwenza inkokhelo ubudala, futhi izikweletu liyakhuphuka. Kulokhu, okokuqala udinga ukukhokha emihle ngokugcwele, bese akhokhe overdraft.

Savings Bank ithatha ikhomishini isevisi?

Akumelwe sikhohlwe ukuthi minyaka yonke isikweletu ngoba isevisi loan, okungaba isimanga ezingemnandi uma iklayenti akazi ngakho. yesondlo Lonyaka kuzoncika ekutheni ikhadi iklayenti ku okuyinto waqala overdraft. Ikhomishini okunjalo yonyaka wonke ebhange. Ngoba umuntu kungase ucishe. Kulokhu, kungenzeka amaqembu amancane ephelezelwa eziphezulu zenzalo ukusetshenziswa wesikweletu noma isikhathi esincane somusa. Ukuze kugwenywe ukungaqondi kahle, singakwazi ukubala ukutusa Savings Bank, wokubala ingatholakala kwi-website esemthethweni.

Ngaphambi kokwenza isiphetho lokugcina mayelana nokuthi iziphi izinhlelo ibhange overdraft enenzuzo kakhulu liyadingeka inake wonke umehluko wemisindo nemiqondo yamagama. Futhi njalo ukuqonda ngokucophelela okushiwo isivumelwano sesikweletu, ikakhulukazi engxenyeni okulotshwe izinhlamvu ezincane.