Ikhadi ebhankini - ntoni na? Kuthetha ukuthini ikhadi bank overdraft

Bonke abantu ngokusemthethweni abaye une-akhawunti yebhanki, siyakucela ukuba likhuphe le ngetyala ngohlobo lwe-overdraft. Igama elithi "credit" siyaqondakala nokuba umfundi namhlanje, kodwa imele i-akhawunti ovadrafti yaye kutheni-mboleko, nto yaziwa bonke.

Yintoni overdraft evulekileyo

Ukuba ufuna ukuvala i umngxuma imicimbi intlawulo, awukwazi amalungiselelo -mboleko ebhankini kunye inzala olukhulu overdraft. Masithi une-akhawunti yebhanki, usebenzisa oko kuphela usiqeqeshela okusilungeleyo, kodwa ukuba kutsalwe imali ethile ukuya ngumthengi. Kwinqanaba elithile le mali efunekayo kwi-akhawunti apho na, kwaye kufuneka sidlulisele imali ngokukhawuleza kangangoko kunokwenzeka. Ukufunyanwa kwemali kwi-akhawunti yakho kufuneka kwenzeke ngemini, kodwa umthengi ungakwazi ukulinda. Ukuze ngokungxamisekileyo udlulisela mali umthengi, ukusebenzisa ikhadi overdraft. Olu hlobo mboleko mazingabhidaniswa nge-mboleko okanye ezinye intengiselwano yemali. Xa usenza uhlobo oluthile ikhadi sikhutshiwe - overdraft.

Imizekelo yamanani ezithile

Ukuze icace ngakumbi, ibinzana elithi "ikhadi overdraft" oko kukuthi, nantsi umzekelo ezinokwakheka amanani apho unako ukufumana phandle ukusebenza njani olu hlobo lwe-mboleko.

Kusasa kwi balance sheet okanye umrhwebi we-10 000 engange le. Lowo ngaloo mini iya ebhankini kunye basayine imvumelwano ukuvulwa umda overdraft kule mali engange million 1. Ukusebenzisa carrier ephepheni, entrepreneur uhlawula ibhanki i-odolo yale sum of 100 000 engange. Bank imali efunekayo kugqithiselwa otyalayo, kubandakanywa kuba akhawunti ibhange. Kubonakala ukuba umnini-ovadrafti uhlala unetyala ebhankini 90 000 engange, kodwa umda yakhe yokubala 910 lamawaka engange, leyo angasebenzisa xa kuyimfuneko.

Masithi ngosuku olulandelayo kwi ngeendleko ngusomashishini lifumana isixa-120 000 (umzekelo, imali kwiCEMIS otyalayo). Mboleko ehlawulwa eluhlobo-overdraft ehlawulwa off, kwaye umda simahla kwemali ukuba bangenelwe usomashishini osakhasayo, kukho kwakhona. Ngoko ke, ngosuku olulandelayo xa unayo kwakhona isixa engange million 1. Apha une umzekelo ekhoyo ipeyintwe, ebonisa kakuhle umbandela lowo ikhadi bank overdraft.

Kuba yintoni injongo imali ichithwe mda ekhutshwe ebhankini

Phantse nayiphi na ibhanki ulawula imali, azinika mboleko umntu ngokwasemthethweni okanye yendalo. Ukuba umboleki na ishishini lakhe, i-ovadrafti isetyenziselwa ukuhlawula amatyala, payroll, iirhafu, pre-intlawulo ngenxa yomsebenzi, ukuhlawula amatyala njalo njalo. I-Bank iya ukusebenzisa wenani kwimeko ulibale ukuhlawula iirhafu okanye mboleko yaye sele zihambile entle. Ukuba oku kwakunjalo ke umboleki, ibhanki iya simvumele ukuba uthenge ngenxa overdraft asethi non-current.

Force majeure, okanye ityala kwimephu overdraft

Akwenzeki ukuba baqikelele ukuba kuya kwenzeka ngomso, uza ishishini lakho. Ukuba siluqondile ngaphandle imisebenzi yabo oyifunayo ubungakanani imali walala kwi-akhawunti yakho yebhanki, ayikho into embi, ukuba lo umda mboleko ebhankini hayi yachaphazeleka. ikhadi ebhankini - oko ngokuphathelele kwityala lebhanki?

Ukuba usafuna usebenzise olu hlobo lwe-mboleko, nangoncedo imali ebhankini akazange athabathe indawo kude mhla umiselweyo isivumelwano, intlawulo unako ukwenza imali kwi osethilini le bhanki. Xa umboleki-akhawunti yesibini apho kuza rhoqo imali, ngoko unga azidungadunge enye apho kukho ityala kwi overdraft. Yonke imisebenzi kuqhubeka phakathi imini enye zokusebenza.

Xa kokusayina isivumelwano, kufuneka ukuba ziphawulwe ngokucacileyo umhla ngawo kufuneka uhlawule imali. Ngokuqhelekileyo, yiyo le imini 30 ukususela ukuvulwa kumda ngetyala. Ezinye iibhanki bacelwa ukuba ijongane netyala phambi komhla wama-20 wenyanga nganye, kungakhathaliseki umhla kumda lokuvula.

Kuphantsi kwaziphi iimeko apho kungavula ikhadi overdraft

Sokubhalisa mboleko yebhanki umboleki badla akusafuneki ukuba bawuthwale iqelana iziqinisekiso kunye namaxwebhu engqina yokuhlawula amatyala ayo. Ukuba ufuna isixa esikhulu semali, oko kufuna kunye guarantors. Ekhutshwe ebhankini engaphezulu ikhadi "Savings Bank" nge Visa Classic sivunyiwe ngaphandle kwempahla akananto. Bank ngokwaneleyo ukuze ubone nokungena kwakho imali rhoqo ngenyanga kwi-akhawunti. Ngokusekelwe inani transfer imali kunye nesigqibo kangakanani ukuba ndininike overdraft. Kusenokwenzeka ukuba umbolekisi uya kufuna waba ngummeli wowona ulungileyo, ukuze abe ngumlawuli kwinkampani, umnini, intsebenziswano umnini kunye nabanye abantu ezinxulumene neshishini lakho.

Ngubani na bayala ukunikezela imali

ikhadi ebhankini - oko kukuthi, nokuba akunikwe bonke? Ibiya kuthetha ukuba xa une-akhawunti, yona efumana rhoqo isixa esithile semali, kutheni ibhanki kufuneka angavumi ukuba akhuphe overdraft? Kubonakala ukuba akhawunti akwanelanga ukuba ukusetyenziswa, umele ube imbali entle ngetyala. Phambi kokuba wenze isigqibo, ibhanki iya khangela sicelo ngaphezu kwesinye, kwaye kwishishini liphela. Ukuba kubonakala ukuba uyathinjwa okanye uya ukudala ingeniso kwiinyanga ezimbalwa, umba mboleko kungenzeka ukuba ayinakuphikiswa. Ukongeza, i-akhawunti yangoku-sicelo kufuneka likhawuleze ungabi ngaphantsi kweenyanga ezintathu. Nangona iimfuno ezintsha yebhanki nganye efanelekileyo, ngokusekelwe kuluvo lwabo. Kukho iimeko ezinjalo; ngokuba overdraft kujongwane umthengi ebalulekileyo, elisandula wavula i akhawunti yebhanki, kodwa kule minyaka akhawunti kwamanye amaziko zemali. Ibhanki angenza isicelo kwabo mibutho ukuba izithuthi imali client, kwaye zisekelwe phezu kolu lwazi ukwenza isigqibo malunga kumda ngetyala. Ekuqwalaseleni isicelo unomdla nje kuphela imali ngenyanga imali leyo iya kwi-akhawunti, kodwa kaninzi kangakanani imali ingeniso.

Ngokwemiqathango yesivumelwano kwi overdraft

Ukuba iziphumo ezidibanisayo mfani-nye umnikimali senza isivumelwano ngeentsuku ezi-180 okanye ngaphezulu. Zonke iintsuku 30 le mali kwi-akhawunti kufuneka kwakhona ekuhlawuleni amatyala kwi overdraft. Xa intlawulo epheleleyo ebhankini umboleki unalo ilungelo lokufaka ikhontrakthi. Kananjalo wenza iintsuku ezili-180 ukuba akhuphe isivumelwano esitsha. Inzala isivumelwano eso ebesoloko ngaphantsi kwe-mboleko yebhanki. overdraft iimeko zinyanisekile kakhulu ngakumbi, kuba nomdla ukubizelwa ukusetyenziswa imali kuphela kwi imali engekahlawulwa ekupheleni kosuku lokusebenza.

Xa kwasekwa amatyala ibhanki unelungelo kweli xesha lifutshane zifune imali yabo, yaye ukuba unayo kwenzeka le meko, lo Blekhlista kunye nembali elibi kwicala lamatyala wabalungiselela. Ekhutshwe ebhankini engaphezulu enikwe lwemali mnye, ubolekayo enye yebhanki enye.

Le mali kakhulu

ikhadi ebhankini - oko ukuba umboleki: inzuzo okanye umngxuma ematyaleni? Kaninzi abantu akanakwenza isicwangciso imali, kwaye ekulungiseleleni imivuzo liqala ukuthenga iqela izinto ezingeyomfuneko. Ngomzuzu wokugqibela ukhumbula ukuba eyona nto ibalulekileyo kwaye kuthengwa, hayi zonke iintlawulo zenziwe ngexesha. Uyakwazi ukuvula usapho kunye nabahlobo uncedo, kodwa hayi bonke abahlobo abanjalo, ngubani bakhululekile ukuba ukuboleka imali eyimfuneko imali iiveki ezimbalwa.

Asingabo bonke uyakuthanda ukuba ukubolekisa ngemali. Abaninzi ekhokelwa yi-siseko ilandelayo: Ukuba ufuna umntu iphelile ebomini bakho, ndiboleke imali kuye. Kutheni khangela nethiyori practice, kungcono nje lokwala ityala, becaphula maxesha anzima zemali. Kutheni uhambe umgwaqo ngendlela, ukuba ndithe inokuboleka ukusuka na ibhanki efanayo eziliqela iiveki, kodwa inzala ephantsi.

Ebhankini njengenye yeendidi yokubolekisa

Kuthetha ukuthini ikhadi bank overdraft? Eli binzana evela IsiNgesi bubonakala "sverhschet". Kwihlabathi le nkonzo nyaka ngamnye zithanda kuphela phakathi oosomashishini, kodwa phakathi kwabasebenzi zesiqhelo. Ungakhetha ukubala yintoni umda onokuvula ibhanki xa isicelo samkelwe. imali ekhutshwe ebhankini engaphezulu ayisayi kuba ngaphezu kumvuzo umndilili sicelo kwisithuba seenyanga ezintathu. Ukuba iminikelo rhoqo, umthengi unako ukukhupha imali kwi-akhawunti kude kufike ixesha lokuba isivumelwano aliyeki ukwenza.

Kuthetha ukuthini ikhadi overdraft ukuba umntu? Nawuphi na umntu osebenza umvuzo uya kugqithiselwa ikhadi. Ukuba ibhanki igqibe ukuvula umgca ngetyala, oko kuthetha ukuba ovadrafti kwakuya umvuzo. Kwimeko ekugxothweni umsebenzi kuya kufuneka ukuba uhlawule i-ovadrafti ngokupheleleyo kwiintsuku nje ezimbalwa.