Kuyini overdraft?

Ezweni lanamuhla elisebenzisa ubuchwepheshe zonke zomthetho noma umuntu ophilayo kufanele baqonde ukuthi i-overdraft. Phela, lokhu instrument yezimali kabanzi kule minyaka yamuva.

Ngakho, overdraft kuyinto uhlobo uboleka imvelo yesikhashana. Yiqiniso, ukuba khona wekhasimende yasebhange kwezentengiselwano uhlelo olufana nalolo kuba inzuzo enkulu, ikakhulukazi ezikhathini ukushoda okwesikhashana imali. Ekuphileni kuphinde etimeni letehlukene. Ngokwesibonelo, lapho kubalwa counterparty kuyaphuthuma noma ukuthola iholo kuphela ngesonto, bese kumkhawulo izimali isiphelile. Khona-ke lo muntu unesithakazelo yokuthi enjalo ukukwenza futhi kanjani it.

yasebhange nomunye umuntu unelungelo ukuba baphakamise imigomo yabo nemibandela kumele zilandelwe yokwemukela Franchise esikhangayo ngakho. Kodwa imithetho eyisisekelo yilezi ezilandelayo:

• khona ngaphezu konyaka owodwa umsebenzi nakho;
• ukutholakala elivumelekile ukuhlolwa akhawunti ukuthengiselana okuyinto ngenkuthalo kwenziwe kulezi zinyanga eziyisithupha ezidlule (ezivumelekile okungenani izinyanga ezintathu);
• inyanga eyodwa kufanele kube hhayi ngaphansi kuka 12 ukuqhutshwa ku-akhawunti;
• ukungabi khona izikweletu kumadokhumenti yokukhokha ethulwa ebhange, isibonelo, ama-oda noma nezidingo oda.

umsebenzi Bank usitshela ngokuningiliziwe lokho overdraft, futhi ngokugcwele liveze obala inqubo ekuwulungiseleleni futhi ukubuya. Uma ukuhlangabezana nezidingo ngenhla, khona-ke ungakwazi aqale ukuqoqa iphakheji kwemibhalo. Kubhekwe isicelo kuphoqelekile ukuhlinzekwa kwemisebenzi efanele. Ngamunye kufanele alethe ubufakazi umsebenzi, ibuye ihlolwe umlando wakhe credit, khona izikweletu, nezinye ukubolekisa, nokunye.

Overdraft for nezinhlangano ezingokomthetho uthole kulula, amabhange bazimisele ukungena isivumelwano nabo, njengoba inzuzo kusukela amadili kuyoba ephakeme kunaleyo on loans elinikezwa umuntu. Inkampani okuhambisa izitatimende yebhange zezimali,-balance sheet kanye namanye amaphepha emvume kubonise solvency yenkampani.

Ungakhohlwa ukuthi lokhu overdraft ngomqondo emincane. Kuthathe ethile imali ukubolekisa ebhange zentengiso. Futhi lapho ukhokha nanoma iyiphi i-credit, ngaphezu lemali oyinhloko, uma ukutholakala isithakazelo njengoba kokhelo ingozi. Ngakho-ke, ngenxa yanoma yisiphi fun ukukhokha, nge isidingo sokubuyela esikweletini ngendlela esifike ngesikhathi. Uma nganoma isiphi yezizathu ukukhokhelwa ikhasimende imisiwe, izisebenzi ngomusa ukukhunjuzwa olunqunyiwe yokukhokha ngocingo. Uma ukubambezeleka idlula isikhathi esethiwe, ibhange umangalela isigwebo.

overdraft evamile zingahlukaniswa zibe izinhlobo ezimbili:

• izimvume;
• kungalungiswanga.

Kokuqala liyazikhulumela futhi kusho ukuthi lo muntu obolekayo lithole imvume yangaphambili ukuthola izimali okwedlula umkhawulo. Phakathi overdraft kuvunyelwe ukwaba kwentuthuko, lobuchwepheshe nangaphansi iqoqo imali. Inhloso yalo kusengaphambili kubhekwa ukwandisa isibalo izinhlobo izethameli eziqondiwe yebhange ethile. Technical overdraft abolekise is kuvikelwe izinkokhelo ababulawa yi-client. Ifomu "ngaphansi iqoqo imali" isikisela ukuthi amaklayenti ngokwayo lucwaningo iningi ngezimali.

uhlobo okungagunyaziwe kwenzeka nentando ebhange, umboleki kuyinto ngandlela-thile uthola lemali edingekayo imali. Kodwa kulokhu engozini iklayenti, njengoba isikhungo-credit ngokujwayelekile isebenzisa uhlelo sasivumela elukhuni inhlawulo izinhlawulo.

Leli fomu wesikweletu kuyazuzisa umthwalo lo muntu obolekayo, njengoba unezinzuzo owawubalulekile kuye. Ngokwesibonelo, zenzalo, uma iqhathaniswa nezinye, ongaphakeme futhi zokhahlamba kusuka 10% kuya ku 20%. Ngaphezu kwalokho, iklayenti uyakwazi ngokuphazima kweso uthole lemali edingekayo imali ngaphandle ekuhambisaneni nabanye okusemthethweni. Kuyaphawuleka esinye isici esibalulekile: akudingi eseduze futhi ukunikeza ngokwanele kwesiqinisekiso.