Yintoni i overdraft?

Kweli hlabathi lanamhlanje wonke zomthetho okanye umntu wemvelo kufuneka siqonde ukuba yintoni i overdraft. Ngapha koko, le isixhobo lwemali ngokubanzi kusetyenziswa kwiminyaka yakutshanje.

Ngenxa yoko, i-ovadrafti ke luhlobo uboleka indalo zexesha elifutshane. Kakade ke, ubukho ibhanki yorhwebo ye client ngayo inkonzo enjalo kuba luncedo olukhulu, ingakumbi ngamaxesha yokunqongophala okwethutyana imali. Kubomi kukho iimeko ezahlukeneyo. Ngokomzekelo, xa kubalwa otyalayo ungxamisekile okanye ukufumana umvuzo ngeveki kuphela, yaye umda kwemali ziphelisiwe. Ngoko ke umntu onomdla kukuba loo ovadrafti nendlela ukuba kuyo.

yebhanki nganye unelungelo ukonyula ngokwendlela yabo kunye neemeko ekufuneka zilandelwe ukwamkelwa nalo ilungelo ukuze enomtsalane. Kodwa ke imithetho zokuqala zezi zilandelayo:

• ubukho ngaphezu konyaka omnye amava omsebenzi;
• ukufumaneka i ntlawulo esebenzayo akhawunti ukutshekisha ezo wenza ngaphandle kwiinyanga ezintandathu zokugqibela (esebenzayo ubuncinane iinyanga ezintathu);
• inyanga enye kufuneka ungabi ngaphantsi kwe imali-12 ukuya kwi-akhawunti;
• ukungabikho kwamatyala kumaxwebhu intlawulo phambi ebhankini, umzekelo, imiyalelo okanye iimfuno ze-odolo.

umsebenzi Bank usixelela ngokweenkcukacha oko ovadrafti, ndiyityhilele ngokupheleleyo nenkqubo lokulungiselela kunye ukubuya. Ukuba ezi mfuno zilapha ngentla, ngoko unga uqale ukuqokelela impahla lwamaxwebhu. Ingqalelo mandatory isicelo kubonelelo ngeenkonzo ezifanelekileyo. Individual kufuneka eze nobungqina yengqesho, oko buthelekiswa imbali card, ubukho ematyaleni, ezinye iimali-mboleko, njalo-njalo.

Ekhutshwe ebhankini engaphezulu for amaqumrhu asemthethweni ukuba lula, iibhanki bakulungele ukungena umnqophiso kunye nawo, njengoko iinzuzo evela zibe ziya kuba ngaphezulu kwama-mboleko ezinikwa umntu ngamnye. Le nkampani edlulisela nesitatimenti ibhanki-mali, iphepha lomncono kunye namanye amaxwebhu ezibonisa yokuhlawula amatyala yenkampani.

Musa ukulibala ukuba lo ovadrafti ngendlela emxinwa. Kuthatha isixa esithile semali-mboleko ebhankini yorhwebo. Kwaye xa uhlawula nayiphi ngetyala, ukongeza kwimali kwinqununu, ngokuxhomekeka kubukho umdla njengomvuzo umngcipheko. Ngoko ke, ukuba nawuphi na fun ukuhlawula, kunye nemfuneko ukubuyisela ityala ngexesha elifanelekileyo. Ukuba ngenxa yaso nasiphi na isizathu intlawulo umthengi ilibele, abasebenzi ngobunono sikhunjuzwa komhla ekufuneka kuhlawulwe ngefowuni. Ukuba ukulibaziseka idlula ixesha acwangciswe ngaphambili, ibhanki ibiza isohlwayo.

ekhutshwe ebhankini engaphezulu ngokuqhelekileyo lungahlulwa-hlulwa ibe iintlobo ezimbini:

• mvume;
• ezingaphelelanga.

Uhlobo lokuqala uthetha ukuba ngokwayo yaye kuthetha ukuba umboleki sele ifumene imvume phambi ukufumana imali ezingaphezu kumda. Phakathi ovadrafti kuvunyelwe kubabela inkqubela, ubuchule kunye nokusingqongileyo phantsi nokuqokelelwa kwemali. Injongo yale sangaphambi kuqwalaselwa ukunyusa inani iintlobo abaphulaphuli ekujoliswe kubo webhanki ethile. ekhutshwe ebhankini engaphezulu abolekisa Technical lukhuselekile nge iintlawulo wabulawa ngumxhasi. Form "phantsi yokuqokelela imali" uthatha ukuba umxhasi ngokwayo uwugcinayo uninzi yengeniso.

uhlobo engagunyaziswanga kwalelo ukuthanda ebhankini, obolekayo ngandlela ithile ufumana imali efunekayo mali. Kodwa ke kule meko ezisemngciphekweni umxhasi, njengoko iziko lamatyala iqhele isebenzisa inkqubo olude engqongqo fayini nezohlwayo.

Olu hlobo ngetyala kuluncedo uxanduva yomboleki, njengoko zinezibonelelo ebalulekileyo kuye. Umzekelo, izinga lenzala, xa kuthelekiswa namanye, ephantsi isusela ukusuka ku-10% ukuya kuma-20%. Ukongeza, umxhasi uyakwazi phantse nangoko ukufumana isixa efunekayo semali ngaphandle ekuthobeleni nabanye ngokusemthethweni. Kubalulekile ukuphawula enye inkalo ebalulekileyo: ayifuni akananto nokubonelela ngokwaneleyo njengesiqinisekiso.