Yintoni na overdraft. Sberbank kunye neentlobo yokubolekisa

Yintoni esiyaziyo overdraft? Le yenye iintlobo wokubolekisa ngemali yoluntu, nto leyo luphawulwa elula, ubulula bokusetyenziswa kunye noyilo. Unako kwakhona zithi-overdraft yi ukhetho kakhulu kwabo abafuni ukuba ixhomekeke nabani, kwanokuba ekuhambeni kwexesha elithile ngokungxamisekileyo kufuneka imali. Enye yezona ndlela ilungileyo umboleki singenayo. Savings Bank inika inkonzo enjalo.

ngokoMthetho

Into yokuqala ngoko nangoko kungabonwa kwabazana kufutshane kunye nemiqathango - izinga lenzala. Asikwazi sithi ukuba eziphakamileyo kakhulu, kodwa ke abalindi ukuba zingatshintsha ngokuhamba kwexesha, kwaye unilaterally, okt ngaphandle isivumelwano lokuqala kunye client. Umboleki isilumkiso kuphela iinyanga ezimbini phambi kokuba iimeko ezintsha ukusebenza, kwaye kufuneka Usenokuyamkela okanye nokuyibuyisa overdraft. Sberbank kwakhona xa kwamaxabiso akuyi kusebenza kwi ilahleko, njengayo nayiphi na ibhanki - uya kwandisa iintlawulo ukunyusa iirhafu okanye iimali kuqaliswa olongezelelweyo.

Ubungakanani iintlawulo zenyanga

Ngexesha overdraft mfuneko ukuba ahlawule ingqalelo zesixa sentlawulo yenyanga. Nokuba nyanga nganye ukuze ahlawule imali-mboleko, kodwa imali eyoneleyo ukuba ahlawule intlawulo ubuncinane, imali-mboleko iza kuba lixesha. Zizakusebenza umdla isicelo kwezohlwayo. Kodwa loo nto ngokupheleleyo kwanezincomekayo. Ukuba uphelelwe-overdraft, Sberbank Ungalungisa imbali kwezamatyala, nto leyo ke ekhokelela iingxaki kunye ekufumaneni ngetyala.

Kwenzeka ntoni xa nangoku wena uhlawule?

Ukuba akuyihlawuli ngexesha i-ovadrafti Savings Bank for ixesha elide, izohlwayo, izohlwayo kunye nemirhumo kuba mkhulu ngaphezu sum of ukubambezeleka ngokwayo. Yaye ukuba iintlawulo ziya kuphinde, ngoko ke imali-mboleko ngokwayo ibuyiswe gama nje zonke isohlwayo akayi kuhlawulwa. Kukho iimeko xa umthengi ithe seyibuyisiwe overdraft Kwiinyanga ezimbalwa, kwaye ke iqala ukwenza intlawulo ubuncinane, kwaye isixa kwamatyala ngelo xesha kuya kwandisa kuphela. Client wamangala, akucaci indlela enjalo kunokwenzeka. Yinto elula kakhulu - iinyanga ezimbalwa ngokubaleka ityala umxhasi wakhe akawuvingca xa kusenziwa intlawulo ubudala, yaye ityala liyenyuka. Kulo mzekelo, kufuneka kuqala ukuba uhlawule ngokupheleleyo omhle, uze uhlawule i overdraft.

Savings Bank kuthatha ikhomishini le nkonzo?

Asimele silibale ukuba nyaka ngamnye ithathwa inkonzo mboleko, nto leyo ibe wothuka akumnandi ukuba umxhasi akazi ngalo. ulondolozo yonyaka iya kuxhomekeka ukuba ikhadi umxhasi apho imvelaphi inyuselwa khona i overdraft. Commission yonyaka wonke ebhankini. Kuba umntu kusenokuba ngaphezulu okanye ngaphantsi. Kulo mzekelo, amaqela amancinane usenokuphelekwa amazinga enzala eliphezulu ukusetyenziswa ngetyala okanye ixesha ubabalo encinane. Ukuze siphephe ukungaqondani, sinako ukubala ityala kwi-Savings Bank, ikhalityhuleyitha inokufumaneka kwi website esemthethweni.

Ngaphambi kokwenza isigqibo sokugqibela malunga nokuba ngabaphi yebhanka ovadrafti inzuzo iyafuneka ukuze bakuthathele ingqalelo zonke bokuqonda. Phuphumani ukuqonda ngenyameko intsingiselo isivumelwano sentengo yemboleko, ngokukodwa kwinxalenye ebhalwe ngoonobumba ezincinane.