Overdraft ikhadi - kuyini? Kusho ukuthini overdraft ikhadi lasebhange

Bonke abantu yemvelo kanye zomthetho abanokuhlangenwe akhawunti yasebhange, ungafisa ukukhipha udumo ngesimo i overdraft. Igama elithi "credit" kuyaqondakala ngisho umfundi namuhla, kodwa esimele i-akhawunti overdraft kanye kungani akusiyo loan, it is kuwo wonke umuntu ezaziwayo.

Yini overdraft evulekile

Uma udinga ukuvala imbobo ukuthengiselana lokukhokha, awukwazi ukuhlela yibhange imali nge enkulu inzalo engako, futhi overdraft. Ake sithi i-akhawunti yasebhange, uyisebenzisa hhayi kuphela inzuzo, kodwa nokudoswa amanani athile ukuze ikhasimende. Ngesikhathi esithile lemali edingekayo kwi-akhawunti wayengekho lapho, futhi kumelwe udlulisele imali ngokushesha ngangokunokwenzeka. Irisidi cash-akhawunti yakho idinga kwenzeke ngosuku, kodwa ikhasimende abakwazi ukulinda. Ukuze ngokushesha uthumele imali ikhasimende, usebenzisa overdraft ikhadi. Lolu hlobo ukubolekwa imali engekho kudidaniswe loan noma ezinye ukuthenga kwemali. Lapho senza uhlobo oluthile ikhadi ikhishwa - overdraft.

Izibonelo izibalo eziqondile futhi

Ukuze kucace kakhudlwana, igama elithi "ikhadi overdraft" okungukuthi, nakhu isibonelo ukhonkolo ngezinombolo lapho ungakwazi ukuthola indlela ukusebenza lolu hlobo loan.

Ekuseni kwi-balance sheet i usomabhizinisi ruble 10 000. Yena ngalolo suku iya ebhange futhi usayine inkontileka ngoba ukuvulwa umkhawulo overdraft in inani ruble 1 million. Ukusebenzisa iphepha yenethiwekhi, usomabhizinisi okhokhela ibhange i-oda isamba ruble 100 000. Bank le mali edingekayo sidluliselwe counterparty, kuhlanganise i-akhawunti overdrawn. It kuvela ukuthi umnikazi kwezinsalela overdraft ukweleta yasebhange ruble 90 000, kodwa umkhawulo wakhe namanje ruble ayizigidi 910, lawo angawasebenzisa uma kunesidingo.

Ake sithi ngosuku olulandelayo ngezithukuthuku usomabhizinisi uthola isamba 120 000 (isibonelo, imali idluliselwe counterparty). Loan ekhokhwa ngesimo i overdraft is kwaba nomvuzo, futhi umkhawulo khulula kwezimali esingazuzisa usomabhizinisi, kubuyiselwa futhi. Ngakho, ngosuku olulandelayo ayenalo futhi isamba esingama-ruble angu-1 million. Lapha isibonelo etholakalayo ngesineke, okwembula okushiwo udaba okungukuthi overdraft ikhadi lasebhange.

Ukuze lokho ngezinhloso imali kungenziwa wachitha umkhawulo ekhishwa ibhange

Cishe noma yimuphi yasebhange elawula imali, azinikeza ayeyiboleke umuntu osemthethweni noma ezingokwemvelo. Uma lo muntu obolekayo has ibhizinisi lakhe siqu, overdraft isetshenziselwa ukukhokhela izikweletu, kwabasebenzi, izintela, pre-payment for umsebenzi, abuyisele ezibolekiwe kanye nokunye. IBhange ngeke ukusebenzisa umkhawulo yemali uma kwenzeka ukuthi ukhohlwe ngokwenqaba ukukhokha izintela nanganoma nemalimboleko futhi base usephumile esihle. Uma lokhu endabeni umboleki, ibhange ngeke umvumele ngisho ukuthenga ngenxa overdraft amafa non-zamanje.

Force majeure noma izikweletu kumephu overdraft

Kuyinto engenakwenzeka kubikezelwe okuzokwenzeka kusasa, ngeke kanjani ibhizinisi lakho. Uma ungazange sesizicabangile out amakhono abo futhi oyifunayo nemali akusho walala ku-akhawunti yakho yasebhange, akusiyo into embi, inqobo nje uma umkhawulo yebhange lesikweletu abathintekayo. Overdraft ikhadi - ke lokhu kumayelana isikweletu ebhange?

Uma namanje uye wawusebenzisa lo uhlobo loan, kanye supply imali esebhange akazange athathe indawo kuze nangosuku olumiswe sivumelwano, inkokhelo ungenza imali cashier ebhange. Uma lo muntu obolekayo une-akhawunti yesibili okuyinto njalo beze imali, khona-ke ungakwazi abaphonse eyodwa lapho kukhona izikweletu ku overdraft. Yonke imisebenzi zenzeke lungakapheli usuku olulodwa ukusebenza.

Lapho asayine isivumelwano, kufanele baye ngokucacile nosuku kumelwe akhokhe imali. Ngokuvamile, lokhu ngosuku 30 kusukela ekuqaleni umkhawulo wesikweletu. Ezinye amabhange ucelwa ukumboza izikweletu ngaphambi kosuku 20 inyanga ngayinye, kungakhathaliseki ukuthi usuku umkhawulo ukuvulwa.

Kungaphansi kwaziphi izimo kungavula overdraft ikhadi

Uma ubhalisa yibhange imali ukuze lo muntu obolekayo ngokuvamile kudingeka baphathe kweqembu nezitifiketi nokufakazela imibhalo eqinisekisa solvency yayo. Uma udinga isizumbulu semali, singadinga kanye guarantors. Overdraft ikhadi "Savings Bank" nge Visa Classic anikezwe ngaphandle impahla izibambiso. Bank ezanele ukuze abone nyangazonke imali ziyamaniswa nokungangeni kwakho e-akhawuntini. Kususelwa inani ukudluliswa kwemali kanye nesinqumo kangakanani ukukunika overdraft. Kungenzeka ukuthi umbolekisi kuzodinga yisiboniso, kungase kube umqondisi wenkampani, umnikazi, co-kumnikazi nakwabanye abantu ezihlobene nebhizinisi lakho.

Ubani ongafaka lenqabele ukunikeza izimali

Overdraft ikhadi - okungukuthi, noma onikezwe wonke? Kunengqondo ukuphetha ngokuthi uma une-akhawunti, okuyinto njalo ithola ethile imali, kungani ibhange kumele lenqabe ukukhiphela i overdraft? It kuvela ukuthi akhawunti akwanele ukuba ukusetshenziswa, kumelwe banomlando omuhle credit. Ngaphambi kokwenza isinqumo, ibhange uzohlola ezingaphezu kweyodwa isicelo, futhi lonke ibhizinisi. Uma kubonakala ukuthi kwavala noma ngeke imali ezinyangeni ezimbalwa, udaba loan kungenzeka inqatshelwe. Ngaphezu kwalokho, i-akhawunti yamanje ye-isicelo kumele asheshise hhayi ngaphansi kuka izinyanga ezintathu. Nakuba nezidingo yakamuva ebhange ngamunye ofanele, esekelwe umbonwabo. Kukhona amacala anjalo: I-overdraft ziqondiswe ikhasimende ebalulekile, muva nje uvule uhlelo ne-akhawunti ebhange, kodwa eminyakeni has akhawunti e nezinye izinhlangano zezimali. Ibhange angasenza isicelo kulabo izinhlangano ukuthi omgwaqo iklayenti imali, futhi esekelwe lolu lwazi ukuze senze isinqumo umkhawulo wesikweletu. Ekucubunguleni isicelo hhayi kuphela nesithakazelo ethile ngenyanga lemali uya kwi-akhawunti, kodwa nangenduduzo kangaki oyitholayo inzuzo.

Imigomo yesivumelwano ku overdraft

Uma umphumela omuhle nge umboleki lwakha kwesivumelwano ezingu-180 noma ngaphezulu. Njalo ezinsukwini ezingu-30 inani ku-akhawunti kufanele agcwaliswa ukumboza izikweletu ku overdraft. Nge ulindele ukubuyiselwa yona iphelele ebhange umboleki unelungelo sokuqeda inkontileka. Futhi-ke kuvunyelwe ezingu-180 ukuba sikhiphe sivumelwano esisha. Inzalo isivumelwano esinjalo bekulokhu esingaphansi ebhange njalo. overdraft kwezimiso abaqotho kakhulu, ngoba inzalo for ukusetshenziswa imali kuphela esele ekupheleni kosuku zokusebenza.

Lapho kwakhiwa izikweletu ebhange inelungelo ngesikhathi lemfisha zifune imali yabo, futhi uma lesi simo kwenzeka, lokunqatshelwe nomlando omubi wokukweleta olunikezile. Overdraft unikezwa lwemali olulodwa, omunye umboleki nokukodwa ebhange.

I loan umhlabeleli

Overdraft ikhadi - engenxa umboleki: inzuzo noma izikweletu imbobo? Ngokuvamile abantu abakwazi ukuhlela indlela osebenzisa ngayo imali, futhi ku kulungiselelwa iholo iqala ukuthenga kweqembu izinto ezingadingekile. Okwamanje zokugcina uyakhumbula ukuthi into ebaluleke kakhulu futhi awathengiwe, hhayi wonke inkokhelo eyenziwe ngesikhathi. Ungakwazi ukuvula emndenini nakubangane usizo, kodwa hhayi wonke ukuba nabangane abanjalo, ngubani amahhala ukuboleka lemali edingekile of imali emasontweni ambalwa azayo.

Akuwona wonke umuntu uthanda ukubolekisa ngemali. Abaningi uholwe lesi simiso esilandelayo: uma ufuna indoda liphumile ukuphila kwakho, umboleke imali. Kungani ukuhlola theory umkhuba, kungcono umane ukwala izikweletu, bephawula ezikhathini ezinzima zezimali. Kungani uye ngendlela ezungezayo, uma ngingayisebenzisa ukuboleka ebhange ofanayo kwamasonto ambalwa, kodwa namanje isithakazelo ongaphakeme.

Overdraft njengoba omunye izinhlobo obolekisayo

Kusho ukuthini ikhadi lasebhange overdraft? Lokhu ibinzana kusukela isiNgisi uhumusha ngokuthi "sverhschet". Ezweni le sevisi minyaka buthola kakhulu hhayi nje phakathi kosomabhizinisi, kodwa futhi phakathi ekilasini abavamile abasebenzayo. Ungakhetha ukubala ukuthi ubeke umkhawulo ungavula ebhange uma isicelo sivunyiwe. overdraft nani ngeke idlule komholo wesicelo kungakapheli izinyanga ezintathu. Uma iminikelo njalo, ikhasimende singakhipha imali akhawunti kuze kube isikhathi lapho isivumelwano asiyeki isinyathelo.

Kusho ukuthini overdraft ikhadi kumuntu? Noma yimuphi umholo umuntu osebenza aliyikuhamba ekhadini. Uma ebhange uye wanquma ukuvula umugqa isikweletu, kusho ukuthi kuncishiswa izikweletu zemalimboleko ngabe kuyenzeka ihlangane iholo. Endabeni ukuxoshwa umsebenzi kuyodingeka ukuba abuyisele overdraft ngokugcwele ezinsukwini ezimbalwa.