Chii chinonzi overdraft?

Munyika yanhasi ose pamutemo kana dzinongoitika munhu anofanira kunzwisisa kuti chinhu overdraft. Pashure pezvose, mudziyo zvemari izvi zvikuru kushandiswa mumakore achangopfuura.

Nokudaro, overdraft ari muchimiro kukweretesa pfupi-rokuti hunhu. Chokwadi, nokuti yeGmail.END_STRONG kuti vezvokutengeserana pamahombekombe kuvapo basa rakadaro riri nani hombe, kunyanya munguva pfupi kuperevedza mari. Muupenyu pane mamiriro ezvinhu akasiyana. Somuenzaniso, apo pakuverenga kuti counterparty Ndezvokukurumidzira kana kuti kuwana mari pavhiki chete, uye wakazoguma mari kunge vaneta. Ipapo munhu anofarira kuti vakadaro overdrafts uye sei kundoitora.

bhangi nomumwe anekodzero sarudza mashoko avo pachavo uye zvinhu izvo zvinofanira kutevedzerwa kuti kubvuma kuti kodzero runokwezva kudaro. Asi dzinokosha mitemo ndedzinotevera:

• kuvapo gore kupfuura rimwe basa ruzivo;
• Kuwanikwa ane chikonzero kuongorora nhoroondo kwema ayo akashingaira okupedzisira mwedzi mitanhatu (rinoshanda kweinenge mwedzi mitatu);
• nokuti mwedzi mumwe Hachifaniri asingasviki 12 yacho nhoroondo;
• kusavapo zvikwereti iri muripo zvinyorwa akapa kubhangi Somuenzaniso, murayiro kana zvinodiwa mirairo.

Bank mushandi anotiudza muudzame zvinodzidziswa overdraft, uye buritsa kwazvo nzira kuti gadziriro yayo uye agodzoka. Kana ukasangana pamusoro apa zvinodiwa, zvino unogona kutanga kuunganidza pasuru magwaro. Vaiona fanira chikumbiro kuti urongwa akakodzera mabasa. Anofanirawo kubudisa uchapupu basa, naicho ndakaongorora ake chikwereti nhoroondo, kuvapo chikwereti, dzimwe zvikwereti, uye zvichingodaro.

Overdraft nokuti pamutemo masangano nyore, mabhengi vanoda kupinda chibvumirano navo, sezvo mari kubva zveefa zvichava kupfuura pamusoro zvikwereti kumasangano munhu. The kambani transmits kuti mashoko kubhangi zvemari, nepakati jira nezvimwe zvinyorwa hunoratidza chekambani solvency.

Usakanganwa kuti overdraft iyi rakamanikana mupfungwa. It kutora imwe mari iri zvikwereti kubva dzokutengesa bhengi. Uye kana iwe mari chero chikwereti, kuwedzera kune mukuru mari, akapa Kuwanikwa mubereko somubayiro kuti ngozi. Saka, chero kunonakidza kubhadhara, pamwe kudikanwa kudzorera chikwereti ari nenguva nenzira. Kana kuti chero zvikonzero mutengi kunonoka muripo, mudonzvo zvinyoronyoro nezvechikumbiro wakakodzera musi muripo runhare. Kana kunonoka akapfuudza preset nguva, kubhangi akapa mutongo.

Conventionally overdraft inogona rakakamurwa mhando mbiri:

• mvumo;
• zvisingagadziriswi.

Mhando wokutanga anotaura pacharo uye zvinoreva kuti anokwereta akagashira asati kubvumirana kugamuchira mari kupfuura muganhu. Pakati akabvumidza overdraft govera mberi, hwokugadzira uye pasi mari muunganidzwa. Chinangwa mberi ichaongororwa kuwedzera uwandu siyana chipfuro vateereri imwe bhengi. Technical overdraft anomukweretesa iri richengetwe ne vachibhadhara vakaurayiwa nemhosva. Form "pasi mari mutero" anobvumawo kuti yeGmail.END_STRONG pacharo anoita vazhinji kwemari.

Kunze komutemo mhando kunoitika pamusoro kuda kubhangi, uya anokwereta anova neimwe nzira anopiwa inodiwa mari. Asi kana iri pangozi pakati nemhosva, sezvo chikwereti sangano ichiita anoshandisa kumbonyanya vanachandagwinyira nyika fines Zvirango.

Ichi chimiro chikwereti zvinobatsira mukwereti wacho basa, sezvo ane zvinokosha zvakwakanakira kwaari. Somuenzaniso, kufarira rates, zvichienzaniswa nevamwe, pasi uye anoda kubatsira kubva 10% 20%. Mukuwedzera, yeGmail.END_STRONG anokwanisa kusvika pakarepo kuwana inodiwa mari pasina maererano nedzimwe tsika. Zvinokosha kucherechedza chimwe chinokosha: hakurevi rubatso uye kupa zvakakwana munhu vimbiso.