Ziziphi amakhadi e-overdraft? I-Overdraft, ikhadi

Iindidi zamakhadi aseplastiki zemibutho eyahlukeneyo yasebhanki inkulu. Phakathi kwabo kukho i-debit, i-credit, i-overdraft-ikhadi. Iintlobo kunye neentsilelo zeentlobo nganye zihlukile. Ubamanyanisa ngeendlela ezininzi kuphela ukuba nganye yamakhadi anesondlo yonyaka, leyo, ngokuxhomekeke kwiimeko, ingaba yimali eyahlukeneyo. Ulwazi olusisiseko malunga nekhadi ngalinye leplastiki lungaphantsi.

Iintlobo zamakhadi eplastiki

Ikhadi lokudityaniswa likhadi linye yeebhanki ezixhunywe kwiakhawunti yakho. Ukusetyenziswa kweemali ezivela kwi-akhawunti kwenziwa kwimiqathango yemali evumelekileyo. Ikhadi ene-debit umsebenzi ilula kakhulu ukulungiselela. Ukwenza oku, kufuneka ufumane ipasipoti yakho jikelele kwaye uzalise i-akhawunti yakho yasebhanki. Amakhadi e-Debit asasazwa ngokubanzi, njengoko abaqeshi abaninzi bebenzela abaqeshwa babo kwaye batshintshe zonke iintlawulo ngeendlela ezingekho imali.

Ikhadi lekhredithi likhutshwa kwisebe lenye yeebhanki ngokuqinisekiswa ngumboleki wezakhono zayo zezemali ukuze abuyisele imali esebenzayo yeziko lemboleko. Imigaqo yokusetyenziswa kwezibonelelo zeebredari ziyahluka kwiirhafu zentlalo, ukufumaneka kunye nobude besikhathi sokubonga kunye nezinye izinto ngokuhambelana nemiqathango kunye neerhafu zebhanki ekhethiweyo.

Ziziphi amakhadi e-overdraft?

Ikhadi le-overdraft libizwa ngokuba ngulo nxu lumano lwezinto ezimbini zangaphambili zamakhadi eplastiki. Inqaku eliphambili kukuba lifumaneka kubhaliso kuphela xa kukho ukudluliselwa kulo mvuzo wakho. Okokuqala, iintlawulo zibhalwa ngeendleko zazo kwikhadi, kwaye kuphela xa imali ekhompyutheni ingenelanga ukuhlawulwa, i-overdraft isetyenzisiwe. Ziziphi amakhadi e-overdraft? Enyanisweni, i-overdraft iyimali-mboleko yesikhashana. I-shortdraft yexesha elifutshane libizwa ngokuba ukuhlawulwa kwentlawulo kwenzeka ngenyanga ezayo xa uhlawula umvuzo.

I-Overdraft History

Ekuqaleni, iibhanki zaseRashiya zanikezela ngeenkonzo ezingaphezulu kweedraft kuphela kwiinkampani ezisemthethweni. Iinkampani xa kwenzeka imeko yabo xa i-r / s ingenanto, ingasebenzisa imali yebhanki ukuhlawula amatyala abo kwezinye izinto ezisemthethweni. Ngexesha lokufumana imali kwi-akhawunti yangoku yenkampani, ibhanki yabhala inxalenye yabo ukuba ihlawule ityala, kwaye imali ehleliyo isalele kwi-akhawunti.

Kwixesha elizayo, inkonzo yaphuhliswa kwintsimi yabasebenzi bamashishini yabucala kwaye yaziwa ngokuba yi "overdraft kubantu". Iskimu sokubonelela nokusetyenziswa kweemali ezibolekileyo kufana neskimu yeenkampani zokubonelela. Ibhanki elincinane kwi -dradraft ingachazwa ngolu hlobo lulandelayo.

Ukungabikho kwemali xa uhlawula → Ukusetyenziswa kwe-overdraft kunye nentlawulo yeempahla / iinkonzo → Ukuhlawulwa kwemali edluliselwe kwiakhawunti yokuhlawula ngumqeshi

Ikhadi le-Sberbank elinomsebenzi ophezulu

Ziziphi amakhadi e-overdraft, ufunde ngasentla. I-Sberbank yiyona ibhanki exhaphakileyo kunye ethembekileyo eRashiya, abaninzi abantu bayazibuza ukuba yiyiphi ikhadi le-overdraft yeSberbank yaseRashiya. Masiqale ngokulandelelana.

Iyiphi ikhadi le-Overdraft yeSberbank yaseRashiya? Leli khadi lomvuzo lomntu onomsebenzi oqhotyoshelweyo kwi-overdraft (i-short-term loan of bank bank).

Ikharityhulam ye-overdraft ye-Bhanki ye-Savings ikhishwa xa usebenza kwibebe lebhanki kwaye unikezele ipakethe yamaphepha (ukuba ngoku ufumana umvuzo kwiibhanki zenkampani yesithathu).

1. Isicelo sokubonelela le nkonzo.
2. Yakho yepaspoti.
3. Ikopi yencwadi yokufundisa eqinisekisiwe ngumqeshi.
4. Isatifiketi sengeniso okanye i-extract kwi-akhawunti yakho kwelinye ibhanki.

Ukuba inkampani yakho sele isetyenziswe nguSberbank, kunye nekhadi isezandleni zakho, ngoko ukuxhunywa kwenkonzo kuya kuba lula. Yiya kwisebe lebhanki kunye nepasipoti kunye nekhadi, kwaye nawuphi na umsebenzi weBhanki yoSondlo uya kukwazi ukudibanisa ukusebenza okunjalo.

Iimeko zekhadi nge-overdraft

Njengazo nayiphi na inkonzo yasebhanki, ikaritha ene-overdraft isebenze phantsi kweemeko ezithile. Kwimeko yokusebenzisa imali ebolekelwe, ibhanki iyandisa inzala kwimali ye-overdraft. E-Sberbank, inzala yenzalo i-18% ngonyaka. Isantya sincinci, ekuqalekeni. Nangona kunjalo, kukho ulwazi olubalulekileyo ukuba umxhasi kufuneka alondoloze njalo.

1. Ukugqithisa umda kubangele ukwanda kwinqanaba lomyinge ukuya kuma-36% ngonyaka.
2. Imigqaliselo yokucinywa kweemali iyanqunywe ngexesha kunye nomlinganiselo kwiinyanga ezili-1. Kucingelwa okokuqala ukuba lolu hlobo lwamakhadi ukuba ufumane imali ngegama lakho livela ubuncinane ngexesha eli-1 ngenyanga.
3. I-Overdraft ayilungiseleli ixesha lobabalo (xa umdla wokusetyenziswa awuhambeli).

Ikharityhulam ye-Overdraft yeBhanki ye-Savings. Ukwazi njani umda?

Iyiphi ikhadi le-overdraft yeSberbank yaseRashiya, uyazi. Yaye uyakwazi njani umda? Ibhanki ibala umda wokukhutshwa kwe-overdraft ngamnye kumthengi ngamnye. Imali ye-overdraft, ngokwemiqathango yebhanki, kubantu ngabanye ayikho ngaphezu kwe-50% yenyanga engenayo. Kwiinkampani ezisemthethweni, kubalwa ngesiseko semali yesilinganiso senzuzo efunyenwe kwiinyanga ezidlulileyo (ezintandathu ezintandathu). Isixa se-overdraft siya kuba ngama-40% ale xabiso.

Kwakhona, umda wekhadi unokufumaneka kwi-Sberbank-online service. Kwi-akhawunti yakho yakho uya kubona ulwazi malunga nemali ye-overdraft, ityala kwaye uya kukwazi ukuvavanya iindleko zakho ngokukhipha kwi-akhawunti yakho yasebhanki.

Overdraft kunye ne mboleko

Ukuba siqhathanisa iimeko zokufumana umboleki kunye ne-overdraft kwikharityhulam yomvuzo, ngokokhetho yokuqala inenzuzo kakhulu kumboleki. Amanani omdla kunye nemali yokuboleka imali inenzuzo ngakumbi, ngakumbi ukuba uceba ukuthenga izixhobo ezixabisekileyo okanye iimpahla ezinenani elidlula umda we-overdraft.

Amakhadi eemboleko angabonwa njengenzuzo ngaphezu kwe-overdraft, ingakumbi ukuba ukukhanselwa kwenzeka ngexesha lobabalo. Ekubeni inzala yebhanki kule meko ayifaki.

Imiqathango ye-Overdraft neemeko

Umntu ofake isicelo kwi-bhanki yesicelo sokurhweba imali kufuneka ahlangabezane neemfuno ezithile zeziko lemboleko.

1. Amava omsebenzi oqhubekayo kufuneka abe ubuncinane kwiinyanga ezintandathu kwindawo yokugqibela yomsebenzi, kwaye ngexesha lokunyanga umntu kufuneka abe ngobudlelwane bomsebenzi kunye nomqeshi.
2. Akufanele ube netyala ngeemali-mboleko ngeli xesha. Ibhanki ekulungele ngakumbi iya kunika i-overdraft kubathengi ngembali yesikweletu esikhoyo. Le mfuneko ihlala ekuqaliseni kwebhanki ngokuhambelana namaxwebhu angaphakathi okulungiselela abantu ngabasebenzi.
3. Ibhanki inokufaka iibango ezihambelana nokubhaliswa. Ngokomzekelo, iya kunika i-overdraft kumthengi, owafaka isicelo kwisebe lasebhanki kwindawo yakhe yokuhlala.
4. Ezinye iimfuno malunga nomvuzo womntu kunye nemibutho.

Ukungalungi kwamakhadi angaphezulu kwee-overdraft

Kwimeko apho inxalenye ebalulekileyo yemida ye-overdraft isetyenzisiwe, umvuzo ofunyenweyo kwiakhawunti yakho akunakwanela ukuwuphelisa ngokupheleleyo. Yaye imigaqo yokuhlawulwa kwamatyala phantsi kwekhadi lokurhweba i-overdraft iyanqongqo, inyanga 1. Ngako oko, kuya kufuneka ugcine uninzi lwenyanga ezayo, okanye uza kukwazi ukubika imali evela kwenye imithombo. Oku kunzima kakhulu. Emva koko, ukuba kungenziwanga, i-overdraft ayiyi kuvalwa, kwaye inzala efumanekileyo iya kuba sele i-36% yokulinganisela ityala. Oko kukuthi, uya kuhlawula ngokugqithiseleyo ekupheleni.

Kufuneka uhlawule ukusebenzisa i-overdraft inkonzo, kwakunye nokugcina i-akhawunti yakho. Imali ye-overdraft ihlawulwa ngokuzenzekelayo ukusuka ekhadini kanye ngonyaka. Izigwebo kunye neentlawulo zokuhlawula ngokukhawuleza ziqokelelwa kumxhasi, kwaye kungekhona kwiingxelo zentlangano engazange ihlawule umvuzo ngexesha.

Izinzuzo zamakhadi ezine-overdraft

Ziziphi amakhadi e-overdraft kwaye zeziphi iingenelo zabo, funda. Inzuzo eyona nto ingabizwa ngokuba yimfuneko yemveliso yayo. Ngokukodwa ukuba sele sele uthatha inxaxheba kwiprojekthi yomvuzo yeSberbank. Ikhadi elinomlinganiselo we-overdraft kaninzi ikhutshwe kwi-VISA ne-MasterCard iinkqubo zokuhlawula ezingekho ngaphantsi kwezinga eliqhelekileyo (okubizwa ngokuba ngamakhadi ezentlalo akuboneleli ubukho kunye nokuxhumeka kwe-overdraft).

Ukuhlawula ngokukhawuleza kwetyala le-overdraft kunye nokutshintshwa kweemali ngexesha kwi-akhawunti yakho yokujonga kukuqinisekisa ukuba uxolo lwakho lwengqondo. Kule meko, akuyi kubakho ukuhlawulwa kwemali yokubonelelwa kwemali-mboleko emfutshane, kwaye i-overdraft iya kuvalwa (ikhanselwe). Ukusetyenziswa okuqhubekayo kuyaqhubeka kunye neerameters standard: 18% ngonyaka kunye neenyanga 1 zokuhlawula.

Iseluleko kubaphathi bekhadi le-overdraft

Unokufumana ngokufumaneka kwenkonzo kwikhadi lakho ngeendlela ezininzi:

• Xa ufaka isicelo kwiSebe le-accounting yombutho;
• Kwi-akhawunti yakho kwi-website yebhanki yokubonelela.

Ukukhusela iindleko ezongezelelweyo ezihambelana nokuhlawulwa kwemali efumanekileyo, iintlawulo okanye izigwebo, kufuneka uqaphele rhoqo i-akhawunti yakho yemali. Amanye ama-terminals (ATM) angabonisa inani elipheleleyo lemali ekhoyo, kubandakanywa i-overdraft kunye nemali eyongeziweyo.

Kungcono ukuhoxisa imali okanye ukuhlawula iimpahla / iinkonzo ngosuku olulandelayo emva kokutshatyalaliswa, kuba kungekho imali ehlawulwa ngemali - iza kwiakhawunti ngokukhawuleza. Izibambiso zezobuchwepheshe zingenzeka, kwaye ukubhalwa kuyakuba ngenxa ye-overdraft, kuba imali yayo isoloko isetyenziswe.