Mboleko ebhankini ukuze amaqumrhu asemthethweni kunye nabantu

Ekhutshwe ebhankini engaphezulu yokubolekisa - instrument inzuzo zemali ukuze zombini umboleki kunye nombutho zebhanki. Oku kuvumela ixesha elifanelekileyo ukufumana imali ezingekhoyo, oko bekwenzela rhoqo, nangona ibalulekileyo kakhulu, uyaqhubeka amatyala.

Yintoni i-mboleko overdraft

Mboleko kule hlobo ukulunga mboleko kakhulu eqhelekileyo ngaphandle yinkampani ngokusekelwe nasiphi na isivumelwano kwiimeko echazwe-ngaphambili. Yohluka ukusuka iintlobo ibhanile mboleko imveliso ushiya nje ukuba umthengi ithuba ukuthatha imali. Leyo ke imali scheme standard batshintshelwa kwingxelo umboleki okanye wesithathu ngokubhungisana nkampani. Ezi zalathi zidweliswe nangoko nangokupheleleyo. Ukususela ngoko, ezi nkampani unyanzelekile ngexesha elibekiweyo ukuba abuyele imali ngomdla. Kodwa analysis ebhankini mboleko lucebisa ukuba unikwa kuphela xa idingeka. Enyanisweni, inkampani kukulungele kanye, kuba kufuneka ahlawule inzala kuphela isixa amkelwe, asinguye lowo ziyafumaneka. Khetha kunye neentlobo-mboleko enjalo kakhulu.

uhlobo

mboleko ebhankini yahlulwe yaba ntlobo ezine eziphambili:

• zobugcisa,
• ngenxa encashment,
• phantsi,
• eqhelekileyo.

Uhlobo lokuqala mboleko olunikwayo umxhamli ngaphandle ngokumalunga neengxelo zayo zemali, kwaye phantse zonke ezinye indicators. Eyona nto ibalulekileyo - isantya kunye neerisithi. Ukuba umbutho logcino uyabona ukuba ngenxa yokuba loo mntu ofumana isixa esikhulu mali kwaye afike ngexesha, oko banokwenza nje zobugcisa overdraft ukhetho. Unesibindi, kodwa yingenelo omabini amaqela.

Uhlobo lwesibini, leyo ungathatha mboleko ebhankini, iimfuno imixokelelwane esikhulu kunye namanye amashishini rhoqo enikezela imali ebhankini. Olu khetho ethembeke ngakumbi, apho inkampani ukusebenzisa imali ngakumbi ingongoma, eneneni kuwa kwi-akhawunti, kwaye emva kokuba imali zizaku, lonke ityala sihlawulelwe. Kufuneka kuqatshelwe ukuba isivumelwano ke zinokohluka.

Uhlobo lwesithathu mboleko - kusengaphambili. Yibhanki ubuncinane inzuzo, kodwa le nkampani lula. Loo lokukhetha uboleka mkhuba bavame ngakumbi ukuze kuziswe liqumrhu elisemthethweni ngenkonzo.

Eyesine lokugqibela - uhlobo eqhelekileyo. Yena ifanele khulu nenkcazelo classical-mboleko ebhankini ukuze amaqumrhu asemthethweni. umongo wayo ulula. Umntu uyavumelana ibhanki eza kukwazi ngokwazo ukuba asebenzise isixa esithile. iziko Financial, yena, ikhankanya uya kuba nako ukusebenzisa imali ixesha elide kangakanani, yaye yintoni ngokoMthetho.

Ngokuba abantu

mboleko ebhankini ukuze abantu abaninzi badla kwenziwa ngokusebenzisa kunikezelo ikhadi lamatyala iplastiki, nto leyo igcinelwe ngumthengi isixa esiqingqiweyo, leyo angasebenzisa ngokokubona kwakhe. Olu hlobo mboleko eliqhelekileyo kubantu abaninzi, siyaqondakala kwaye ifikeleleka. Ingxaki ephambili apha kukuba ebhankini akafumani phantse akukho ulondolozo, yaye kwimeko iingxaki okanye imali non-ukubuya kuba nzima kakhulu. Eyona nto ibalulekileyo apha kukuba izibalo wacela abantu ukuba zinkulu kakhulu, kwaye ngenxa yabo, akukho namnye ukumangalela akayi kuba iingxaki ngaphezu iingenelo.

kwiinkampani

Ebhankini mboleko amaqumrhu asemthethweni - isixhobo ezinzulu zemali ngaphezu. Kwaye ngoko ke mali inkulu kakhulu, ndibuyele loo mboleko rhoqo. Iinkampani abaninzi bakhetha olu hlobo mboleko bonke abanye; kuba kukulungele kanye, kulula kwaye elula. Nangona kunjalo, kwiimeko ezininzi le ntlawulo inkulu kakhulu, kodwa iimali njengoko ezongezelelweyo ingabhekiswa ebhankini, oko kukuthi kakhulu ngokwaneleyo.

iimpawu

Chonga iimpawu eziliqela ezisisiseko na ityala overdraft. Eyokuqala kukunqongophala injongo mboleko. Oko kukuthi, amaxesha amaninzi nayiphi na imali ilungiselelwe iinjongo ezithile, pre-wavuma. Kodwa yindlela efunyenwe overdraft ngokuqhelekileyo ukuze kwenziwe nayiphi na indlela elula. Olona phawu yesibini lo gama mboleko. Amaninzi kuba ngaphantsi kwenyanga enye. Kwezinye iimeko - ezimbini okanye ngaphezulu, kodwa oku engaqhelekanga. Oku kuthetha ukuba ixesha apho umthengi iindidi unalo ithuba lokuba ukuboleka imali, yaye ke, emva kwexesha elithile, kufuneka abuyele kubo ngokupheleleyo. Izinga lenzala kwimali-mboleko ezinjalo iphezulu jikelele kunokuba mboleko eqhelekileyo, kodwa ke inani amaxwebhu afunekayo - ngaphantsi kakhulu. Kwaye enye ingongoma ebalulekileyo: badla musa ukuba naluphi na ukhuseleko.

mboleko Contract overdraft

Olu xwebhu ayikho eyahlukileyo kakhulu ukusuka isivumelwano esiqhelekileyo mboleko eziqhelekileyo. Umahluko ziphambili ingqalelo iimeko ezikhethekileyo kwinkqubo ezifana ovadrafti, kwakunye ukubambelela engqongqo kwi-akhawunti yangoku (ukuba amaqumrhu asemthethweni). Ibanki ezininzi uchaze ithuba ezemali, sibhalele-off imali kwi-akhawunti obunokubakho mboleki xa kunokwenzeka ukuba ingexesha ngenxa yaso nasiphi na isizathu musa ukuhlawula amatyala abo. Le mvumelwano senziwe kwifomu emiselweyo kuquka iinkcukacha omabini amaqela uchaze ngokucacileyo inxalenye yemali umbuzo (kangakanani, kubani, nini, njalo njalo), kwakunye, mhlawumbi, aya kuba amagatya kwi majeure iimeko amandla kunye neemeko mali non-ukubuya. Maxa wambi kwakhona akhoyo kunye nezinye iinkcukacha ezifunekayo ngokuhambelana nomthetho osebenzayo, nemimiselo ibhanki leyo, iimfuno zabathengi, njalo-njalo.

Umzekelo iqumrhu elisemthethweni

Le nkampani rhoqo ifumana basebenzisa imali yayo ezithile malunga isixa esilingana kwaye bezinzile kwemali. Ngokusekelwe kuhlalutyo lwabo ibhanki inikeza inkampani ukuvula i overdraft. Emva lothethathethwano nowokupheliswa ikhontrakthi ngokuqinileyo uyakwazi ukusebenzisa nje kuphela imali, oko kukuthi, ngenxa yakhe, kodwa abo wamnika kwibhanki yakhe. Masithi ukuba inkampani ithuba ukungena deal ohlawulayo kakhulu, kodwa mali ukuze sibe nokumiliselwa awunazo (imfuneko engxamisekileyo ukwandisa, athenge izinto, njalo njalo). Kwaye ngaloo mzuzu akwazi ukuthatha imali Phendla kwaye azalisekise zonke iimeko, uze ingeniso engakumbi. Ngelo xesha xa mboleko kufuneka ibuyiselwe, inkampani lufika kwi-akhawunti yakho sele kwandise ingeniso apho elunxwemeni phantsi kwelungiselelo nangoko ithumela ukuhlawula ityala. Yaba lo mzekelo elula ecacileyo mboleko overdraft.

Umzekelo for ngabanye

Kwimeko abantu abaqhelekileyo, kubonakala lula. Man wamkela ikhadi ebhankini, leyo noba usebenzisa okanye ukuyisebenzisa. Kukho isixa esiqingqiweyo. Customer engena evenkileni ubone imveliso kudala ndifuna ukuthenga, kodwa abanayo imali okanye namanye amathuba. Kwaye sizimisele ukuba kuthengiswa isaphulelo elungileyo. Ukuba mboleki ikhadi overdraft ndingekho, ngoko ke uya kunyanzeleka ukuba ulondoloze imali yaye ekugqibeleni ukufumana iimpahla emva kokuphela stock evenkileni, amaxabiso aphezulu kakhulu. Kwaye xa uhlawula nokuthengwa ngoko nangoko kwaye kungenzeka ukuba ugcine kakhulu ukusebenzisa eli khadi, ingakumbi xa uya kuba nako ngexeshana elifutshane ixesha lokuba uhlawule ityala layo.

ukulibaziseka

Le yingxaki yehlabathi lonke ovadrafti. Noko ke, uninzi ujongene ngqo nabantu abangakwaziyo okanye awufuni nokubuyisela mali ngaphambili. Ukuba isixa mncinci ukuze ebhankini, umntu ukuze nje nethamsanqa, kwaye ukuba akasoze awulibale, ngoko ke ubuncinane kwabeka ukusombulula ixesha elide (ngokuba eya "uwise" isixa esikhulu kakhulu pesenti). Kakade ke, kungekudala emva koko, oko kuya kuqhubeka ukuba ukuyibuyisa. Kamsinya nje ibhanki iya kuqonda ukuba imali sele umkhulu ngokwaneleyo ukuze banxibelelane nenkundla kunye nabaqokeleli, iya kuqalisa iingxoxo kunye usoloko ufumana indlela yakhe.

buhle

abolekisa ekhutshwe ebhankini engaphezulu inenani yeenzuzo. Oku kuquka iimpawu ezifana iseti encinane yamaxwebhu, akukho mfuneko ukunika akananto, ukungabikho kwintlawulo yemali leyo engazange yasetyenziswa ngumxhasi kwaye akhulule ekhawulezileyo. Oko kukuthi, umntu okanye iziko elisemthethweni inokuba nomdla umba othile (okanye zonke ngaxeshanye) kwaye sizathu ukuthatha ngetyala. Kuba ebhankini, oku lula ngakumbi yaye buyingenelo, Noko ke, le nkqubo yenza kube lula ukugcina abathengi, ukutsala ezintsha nkqu inzuzo encinane. Amaninzi, amaziko zemali bamkela ngaphezu iikhredithi ngokwabo kwaye kwiinkonzo ezahlukeneyo ezinxulumene nazo. Umzekelo, umboleki unako ukusebenza ebhankini, kwaye ugqiba ukuba phaka idipozithi, thatha imali enkulu, othi aqhube de umvuzo, umhlalaphantsi okanye ezinye iinketho ithetha. Ngenxa yoko, inzuzo jikelele mboleko lukhula ngamaxesha, kwaye ibhanki ezininzi, lo msebenzi osemqoka kuthathelwa ingqalelo, evumela ukuba isondezwe ibe ovadrafti kubaboleki kho inzala, nto leyo ngaphantsi kwexabiso lemarike le. Kakade ke, kulula ukuba abaxumi abo ithuba nje ukufumana imali "cheap", kodwa igcinwe embizeni efanelekileyo.

ukushiyeka

Kakade ke, ikhadi lamatyala ovadrafti okanye ezifanayo kwaye ezinye kuneengxaki. OyiNtloko phakathi kuzo ixesha kakhulu elifutshane, ngexesha apho ungasebenzisa le mali. Mu kuya kwa nshita iintlobo eqhelekileyo yokuthenga ngetyala, obonelela konyaka okanye iminyaka eliqela, overdraft, ngokufuthi kufuneka babuyele ngenyanga okanye kwiinyanga ezimbalwa, nto leyo elula kakhulu. Musa ukulibala ngale nkonzo ebandakanya wonke. Ezinye iibhanki ukuvula loo mboleko nokuba ngaphandle ulwazi emntwini, ukuba ndiyacaphuka abaninzi kangaka kwaye ekugqibeleni kukhokelela ilahleko ebonakalayo. Phakathi kwezinye izinto, ezinye nabakhohlisi basebenzisa amaxwebhu fake ukufumana mboleko yolu hlobo ngenxa yokuba umba ezithile umxhasi ingafuneki. Ngenxa yoko, ukuba babuyele nantoni na ukuba akayi, umnini akhoyo maxwebhu alinanto yakwenza nalo, akukho isiginitsha yakhe contract kunye neziko zemali iqalisa zilimale. Mncinanana kubo bonke iingxaki kunye amaqumrhu asemthethweni, kunokwenzeka kusoloko ukubhala le mali amatyala ukusuka akhawunti zangoku ze nkampani. Noko ke, ukuba kwi ibhalansi akukho mali kwaye kulindeleke, ngoko kwakhona kukho ingxaki ukubuyiswa kwemali engakhuselwanga. Kufuneka kuqatshelwe ukuba iibhanki abaninzi iinkonzo ezizodwa umkhondo utshintsho mali yengeniso kwingxelo mboleki nokonyusa i alarm ukuba imeko uqala maxongo. Kulo mzekelo, iziko zemali Ungavala nje ovadrafti, bemkhanyela ngokupheleleyo ukufikelela inkampani-mboleko.

iziphumo

Nangona iziphene, le nkqubo iyonke, oku kuluncedo kakhulu kwaye lula, ingakumbi abathengi. Oku kunika ixesha ukufumana imali kangangoko kufuneka, nto leyo yenza abantu ukuba bathenge izinto ezifunekayo, kwaye yomthetho - nokutyala imali eyongezelelweyo kwimisebenzi yayo, ukufumana okuninzi ngaphezu koko kwakuza kufuneka sabuya, kuthathelwa ingqalelo nenzala . Eyona nto kuyo yonke le nto - ukufaneleka buyiselo. Nokuba ukulibaziseka encinane ungenza ezonakalisa imbali ngetyala, nto leyo eza kunika ithuba ukuboleka kwezinye iiBhanki, kunye nenzala, iikhomishini, inzala kunye nezinye iintlawulo, nto leyo ekugqibeleni yonke kusafuneka kubuya, maxa wambi ngaphezulu onke imida afanelekileyo, kwakunye nemali-mboleko yokuqala.