Overdraft ayeyiboleke izinhlangano ezingokomthetho kanye nabantu

Overdraft obolekisayo - inzuzo instrument yezimali kokubili umboleki kanye nenhlangano yasebhange. Kuvumela esifanele ukuze uthole izimali ezingekho, ngaleyo ndlela enikeza njalo, nakuba into ephawulekayo futhi, wabe abakweletwayo ngalesi simo.

Kuyini overdraft ukubolekisa

Ukubolekwa kwemali zaloluhlobo zinzima abazalwa ukubolekisa ingevamile enikeziwe yinkampani ngesisekelo yisiphi isivumelwano kuzimo pre-echaziwe. It ihlukile amafomu esezingeni loans umkhiqizo nje ushiya kwikhasimende kungenzeka ukuthatha imali. Yileyo ejwayelekile uhlelo izimali zidluliselwa ku-akhawunti ye-umboleki noma wesithathu ngokuxhumana inkampani. Lezi ahlelwe ngokushesha futhi ngokugcwele. Kusukela ngaleso sikhathi, inkampani ubophekile singakapheli isikhathi esibalulwe ukuze ibuyisele le mali kanye nenzalo. Kodwa overdraft credit ukuhlaziywa kusikisela ukuthi kunikezwa kuphela uma sidingeka. Empeleni, inkampani kube nenzuzo enkulu, ngoba kufanele ukhokhe inzalo kuphela lemali kuthathwe, futhi kungeyena lowo ingatholakala. Izinketho nezinhlobonhlobo ukubolekisa enjalo kakhulu.

zinhlobo

loan overdraft ihlukaniswe izinhlobo ezine eziyinhloko:

• lobuchwepheshe,
• I-encashment,
• phansi,
• ejwayelekile.

Uhlobo lokuqala kuyinto loan olunikezwayo iklayenti ngaphandle kokubheka izitatimende zezimali, futhi cishe zonke ezinye izinkomba. Into esemqoka - isivinini namarisidi. Uma inhlangano yasebhange ubona ukuthi ngenxa yazo lowo muntu wamukela semali izimali uyasigcina isikhathi, kungase nje ukunikela lobuchwepheshe overdraft inketho. Unesibindi, kodwa kuyazuzisa zombili izinhlangothi.

Uhlobo lwesibili, okungathatha overdraft ukubolekisa, nezidingo amaketanga enkulu tekutsengisa kanye namanye amabhizinisi njalo omnikeza phezu ukuqhutshwa ebhange. Lona khetho eziqinile, lapho le nkampani bangasebenzisa imali eningi ukuze iphuzu, empeleni awela akhawunti, futhi ngemva ukuqhutshwa izakukhashelwa, lonke isikweletu sesikhokhelwe. Kufanele kuqashelwe ukuthi isivumelwano Ungabese nhlobonhlobo.

Uhlobo lwesithathu loan - phambilini. Kuyinto okungenani yasebhange inzuzo, kodwa inkampani ekahle. inketho okunjalo uboleka umkhuba kaningi ukuze alethe engokomthetho ukuze inkonzo.

Eyesine nezokugcina - uhlobo ejwayelekile. Ubizwa kangcono ngoba incazelo zasendulo overdraft loans for nezinhlangano ezingokomthetho. Ingqikithi Its ilula. Iklayenti kuvumelana ebhange uzokwazi bebodwa ukusebenzisa imali ethile. isikhungo lwezezimali yena, icacisa ukuthi kuyoba isikhathi esingakanani ukwazi ukusebenzisa imali, futhi kulokho imigomo.

Ukuze abantu

Overdraft ayeyiboleke abantu avame kwenziwe ngokusebenzisa Ukukhishwa plastic credit card, okuyinto kugcinelwe ikhasimende nani, lawo angawasebenzisa uma bebona kunesidingo sakhe. Lolu hlobo lwe-loan ijwayelekile abantu abaningi, kuyaqondakala futhi kufinyeleleke. Inkinga eyinhloko lapha wukuthi ibhange ongawamukeli cishe akukho sezinkonzo ezihlukahlukene kanye uma izinkinga noma non-ukubuya imali kuba nzima kakhulu. Isiphetho sendaba lapha ukuthi tibalo okunikelwe abantu akuzona likhulu kakhulu, futhi ngenxa yawo, akekho zibophe ngeke izinkinga isikhathi eside kunaleso izinzuzo.

izinkampani

Overdraft ayeyiboleke izinhlangano ezingokomthetho - ngaphezu ithuluzi ezinkulu zezimali. Bese lemali olukhudlwana, bese ubuyela ukubolekisa ezinjalo kaningi. izinkampani abaningi bakhetha lokhu uhlobo ayeyiboleke bonke abanye, ngoba inzuzo, lula futhi elula. Nokho, ezimweni eziningi lemali ingenkulu kakhulu, kodwa izimali njengoba ezengeziwe kungenziwa iqondiswe ku ebhange, okungukuthi ngempela ngokwanele.

Izici

Thola izici eziningana eziyisisekelo unazo credit overdraft. Esokuqala nokungabi nanjongo imalimboleko. Okungukuthi, kaningi kunanoma iliphi loan lakhelwe, okuhloswe ethize yangaphambi bavumelana. Kodwa kungenzeka indlela etholakala nge overdraft ngokuvamile senziwe nganoma iyiphi indlela elula. Isici sesibili iyona eside loan. Ngokuvamile kuba esingaphansi kwenyanga eyodwa. Kwezinye izimo - ezimbili noma ngaphezulu, kodwa lokhu engavamile. Lokhu kusho ukuthi ngesikhathi ikhasimende ngokuyisisekelo has ithuba ukuboleka imali, bese, emva kwesikhathi esithile, abuyisele kubo ngokugcwele. Izinga lenzalo yemali mboleko emalini ebolekwe enjalo ngokuvamile ephakeme kunaleyo loan ezivamile, kodwa inombolo kwemibhalo edingekayo - ingasaphathwa. Futhi elinye iphuzu elibalulekile: ngokuvamile asidingi yimuphi eseduze.

Inkontileka overdraft ukubolekisa

Lo mbhalo azihlukile kakhulu kusukela inkontileka abavamile sokubolekwayo ejwayelekile. Umahluko omkhulu ezibhekwa izimo ezingakaze zibe uhlelo ezifana overdraft, nokulalela eqinile nakho ngeke kusize ku-akhawunti wamanje (izinhlangano ezingokomthetho). amabhange Abaningi Ibeke kungenzeka ophoqelelwe bhala-off lemali ku-akhawunti ye-ezingaba umboleki uma kwenzeka ukuthi isesikhathini nganoma isiphi isizathu izikweletu zabo. Isivumelwano senziwa ifomu kuhlanganisa imininingwane zombili izinhlangothi liyasho ngokucacile ingxenye yezimali umbuzo (kangakanani, ubani, lapho, njalo njalo), kanye, cishe, sizoqukatha lekhontile ku-force majeure izimo nemibandela non-ukubuya izimali. Ngezinye izikhathi futhi bethula ulwazi nezinye ukuthi kungadingeka ngokuhambisana umthetho osebenzayo, iziqondiso asebhange, nezidingo zamakhasimende, nokunye.

Isibonelo engokomthetho

Le nkampani njalo uthola ngezindleko zayo ezithile mayelana inani elilingana oqine kwezimali. Ngokwalolu cwaningo yabo ebhange inikeza inkampani ukuvula ibhange imali esayisebenzisa singenayo. Ngemva sezingxoxo kanye nesiphetho yesivumelwano ngokuqinile uyakwazi ukusebenzisa hhayi kuphela imali, okungukuthi, ngenxa yakhe, kodwa futhi labo wanika ebhange lakhe. Ake sithi inkampani ithuba ungene into imali eningi kakhulu, kodwa izimali siqu ukuqaliswa yayo awunazo (esiphuthumayo ukwandisa, ukuthenga izinto, njalo njalo). Futhi ngaleso sikhathi yena kungathatha imali agodliwe futhi ufeze zonke izimo, bese bahlanganise imali ngaphezulu. Ngesikhathi lapho loan elizobuyiswa, inkampani uthola i-akhawunti yakho isivele anda engenayo lapho ibhange ngaphansi kwelungiselelo lokuba amazwekazi ngokushesha ithumela ukuba abuyisele izikweletu. Kwakuwusuku isibonelo esilula kakhulu futhi esobala overdraft sokubolekwayo.

Isibonelo ngabanye

Esimeni sabantu abavamile, kubukeka ngisho lula. Man uthola kusukela ikhadi lasebhange, lawo angawasebenzisa noma usebenzise noma ungasebenzisi. Kukhona inani elimisiwe. Ikhasimende engena esitolo ubone umkhiqizo osekuyisikhathi eside wayefuna ukuthenga, kodwa ngingenalo imali noma ezinye amathuba. Futhi uzimisele ukuthengisa at isaphulelo ezinhle. Uma lo muntu obolekayo overdraft lingekho ikhadi, ibisisithi ukuphoqelelwa ukuba ulondoloze imali futhi ekugcineni uthole izimpahla emva kokuphela isitokwe esitolo, ngenani elingaphezulu kakhulu kwaleli. Futhi lapho akhokhe ukuthengwa ngokushesha futhi cishe ukuze avikele kakhulu usebenzisa leli khadi, ikakhulukazi uma uzokwazi esikhathini esifushane ukuba abuyisele izikweletu zayo.

ukulibaziseka

Lokhu kuyinkinga yembulunga yonke kubo bonke ukukwenza. Nokho, iningi ke sikhuluma ngokukhethekile nabantu abangakwazi noma ungafuni ibuyise izimali wangaphambilini atholiwe. Uma inani lemali kuyinto abangelutho for ebhange, lowo muntu angase nje nenhlanhla, futhi uma ngeke khohlwa ngalesosikhathi okungenani kwaphoqa ukuxazulula esikhathini eside (i okuzokwenza "uphonsa" isizumbulu kakhulu amaphesenti). Kodwa-ke, ngokuhamba kwesikhathi, ngeke kusadingeka ukuba abuyisele. Njengoba nje ebhange uzokuqonda ukuthi lemali enkulu ngokwanele kakade ukuxhumana inkantolo futhi abaqoqi, sizoqala kwecala njalo uthola indlela yakhe.

izinzuzo

abolekise overdraft has eziningi eziwusizo. Lokhu kuhlanganisa izici ezifana iqoqo elincane amadokhumenti, asikho isidingo ukunikeza eseduze, ukungabi ukukhokhelwa imali engazange azosetshenziswa yiklayenti futhi abakhulule osheshayo. Lokho umuntu noma inhlangano esemthethweni Kungenzeka ube nentshisekelo ethile lento (noma konke ngesikhathi esisodwa) yingakho abafanelwe udumo. Ukuze ibhange, lokhu Nokho zingavumi ikakhulukazi futhi kunenzuzo, isimiso esinjalo kwenza kube nokwenzeka yokubuyisa amakhasimende, ukuheha abasaqala ukufunda ngaye futhi ngisho inzuzo encane. Ngokuvamile, izikhungo zemali uthole kuka credits ngokwabo futhi emisebenzini ehlukahlukene ephathelene nabo. Ngokwesibonelo, umboleki ungakwazi ukujabulela ukusebenza ebhange, futhi enquma akusebenzise idiphozi, thatha loan ezinkulu, liyoshona inkokhelo, impesheni noma ezinye izinketho kusho. Ngenxa yalokho, nenzuzo jikelele imali-mboleko ikhule ngezinye izikhathi, futhi amabhange amaningi, lesi sici ucatshangelwe, ukuthi esivumela ukuba simnikeze i overdraft ababoleka ezingaba ngenzalo, okuyinto esingaphansi intengo emakethe. Yiqiniso, kulula ukuba amakhasimende nethuba hhayi kuphela ukuthola imali "ezishibhile", kodwa walondoloza ebhodweni efanelekayo.

amaphutha

Yiqiniso, overdraft credit card noma ezifanayo futhi has inezici ezithile ezingathandeki. Chief phakathi kwabo kuyinto esifushane kakhulu isikhathi, phakathi kwesikhathi lapho ungasebenzisa imali. Ngokungafani izinhlobo ejwayelekile wesikweletu ohlinzekela ngonyaka noma ngisho iminyaka eminingi, overdraft, ngokuvamile kudingeka ukubuyela lokho inyanga eyodwa noma izinyanga ezimbalwa, engesiyo ekahle kakhulu. Ungakhohlwa mayelana service awayiphazamisi. Ezinye amabhange ukuvula ukubolekisa enjalo ngisho ngaphandle ulwazi iklayenti, ecasula eziningi kangaka futhi kungase kuholele balahlekelwa kakhulu. Phakathi kwezinye izinto, ezinye izigebengu zisebenzisa imibhalo inkohliso ukuthola imali-mboleko yendlu zalolu hlobo ngenxa yokuthi le nkinga ezithile iklayenti ayidingekile. Ngenxa yalokho, ukubuyela yini basuke Ngeke, umnikazi samanje kwemibhalo akuhlangene nakho, akusiwona isignesha yakhe inkontileka kanye isikhungo sezezimali iqala ukuba zilimale. Kulazo zonke izinkinga nge izinhlangano ezingokomthetho, kuba njalo kungenzeka ukubhala off inani izikweletu kusukela akhawunti samanje inkampani. Nokho, uma ku ibhalansi ayikho imali futhi akulindelekile ke futhi kunenkinga kubuye imali okungaphephile. Kufanele kuqashelwe ukuthi amabhange eziningi amasevisi ekhethekile ukulandelela izinguquko amanani wemali engenayo ku-akhawunti ye-umboleki futhi ukhulise i-alamu uma isimo siqala ukuba buthakathaka kakhulu. Kulokhu, lo sezimali kungaba livale overdraft, bephika ngokuphelele ukufinyelela inkampani loans.

Imiphumela

Naphezu kokushiyeka, uhlelo jikelele, lokhu kuzuzisa kakhulu futhi elula, ikakhulukazi amakhasimende. It ivumela isikhathi ukuthola imali kakhulu ngendlela edingekayo, nakho kwenza abantu ukuthenga izinto ezidingekayo, futhi ngokomthetho - ukutshala imali eyengeziwe emisebenzini yayo, ukuze uthole okuningi kunaye kwakuyodingeka abuyele, ngisho ikhumbula enqwabelene isithakazelo . Into esemqoka konke lokhu - nesikhathi ukukhokha imbuyiselo. Ngisho ukubambezeleka ezincane kungaba jikelele konakalisa umlando credit, esizonika kungenzeka ukuboleka ezivela kwamanye amabhange amakhulu, futhi inzalo, ikhomishini, inzalo kanye nezinye izinkokhelo, okuyinto ekugcineni zonke kusadingeka ukubuyela, ngezinye izikhathi amadoda kungase idlule zonke silinganisela ngendlela enengqondo, futhi ngisho yasekuqaleni loan lemali.