Overdraft zvikwereti pamutemo masangano uye vanhu

Overdraft anomukweretesa - kunobatsira zvemari Chinoshandiswa zvose anokwereta uye rwezvemabhengi sangano. Kunoitawo yakakodzera kuti zvisipo mari, nokudaro zvichipa dzose, kunyange isuwo chinokosha, anoenderera mberi chikwereti.

Chii zvikwereti overdraft

Zvikwereti izvi mhando akangosikwa zvakajairika zvikwereti inopiwa boka pachishandiswa kubvumirana nezvirango pre-chinorondedzerwa. Zvakasiyana mureza siyana chigadzirwa zvikwereti kuti kungoti anoenda mutengi mukana kutora mari. Ndizvo mureza zano mari vari hwakatamisirwa Nhoroondo anokwereta kana bato wechitatu zano kambani. Izvi dziri pakarepo uye zvakakwana. Kubvira, kambani vanosungirwa mukati yakanatsa nguva kudzoka mari pamwe mubereko. Asi overdraft chikwereti kuongorora kunoratidza kuti kunopiwa chete kana zvichidikanwa. Kutaura zvazviri, boka nani, nekuti iwe une kubhadhara mubereko chete mari yatorwa, uye kwete uya anogona kuwanikwa. Options uye mhando zvikwereti zvakadaro kwazvo.

mhando

Overdraft chikwereti rakakamurwa nezvemarudzi mana makuru:

• zvekushandisa,
• nokuti encashment,
• pasi,
• mureza.

Chokutanga mhando ndiyo chikwereti kuti chinopiwa kuna nemhosva pasina pamusoro apa ayo zvemari, uye vanenge zvimwe zviratidzo zvose. Chinhu chikuru - nokukurumidza uye pakutengeserana. Kana rwezvemabhengi sangano anoona kuti nokuda iyeye anogamuchira yakawanda mari nenguva, zvimwe chete kupa hwokugadzira overdraft kuita. Ndiye akashinga, asi unobatsira kumapati vose.

Mhando wechipiri, izvo zvinogona kutora zvikwereti overdraft, zvinodiwa huru chitoro nengetani uye mamwe mabhizimisi kugara vachipa pamusoro yacho kubhangi. Ndicho zvikuru rakavimbika chisarudzo, umo boka anogona kushandisa mari yakawanda kuti pfungwa, chaizvoizvo kuwira yacho, uye pashure yacho achaiswa, chikwereti yose iri akaripa kure. Zvinofanira kucherechedzwa kuti chibvumirano inogona zvakasiyana.

Chechitatu mhando chikwereti - imwe nguva. Ndicho muduku kunobatsira pamahombekombe, asi kambani iri nyore. Yakadaro wokusarudza kukweretesa tsika kakawanda kuti vauye kusangano repamutemo basa.

Wechina uye pakupedzisira - mureza mhando. Ari zvakanakisisa wakanyatsokodzera kuti dzekare tsanangudzo zvikwereti overdraft kuti pamutemo masangano. Chaizvoizvo Its rakanaka. The yeGmail.END_STRONG zvinowirirana kubhangi achakwanisa pachavo kushandisa imwe mari. Financial sangano, akavapindurawo, kutaura sei refu achakwanisa kushandisa mari, uye chii mazwi.

For vanhu

zvikwereti Overdraft kune vakawanda kwaiwanzoitwa kubudikidza issuance ane mapurasitiki kadhi, iyo anochengeterwa mutengi mumwe yakatarwa mari, izvo anogona kushandisa panguva yake kungwara. Izvi mhando chikwereti inozivikanwa vanhu vazhinji, zvinonzwisisika uye nyore. The chikuru dambudziko pano ndechokuti pamahombekombe haagamuchiri dzinenge hapana nazvo, uye kana matambudziko kana zvisiri kudzoka mari anova zvakaoma. Chinonyanya kukosha pano ndechokuti inopfupikisa zvakabayirwa vanhu vari kunyanya guru, uye nokuda kwavo, hapana kunokumbira harizoiti sezvaraiva yakareba matambudziko pane zvikomborero.

nokuti makambani

Overdraft zvikwereti pamutemo masangano - kupfuura chakakomba zvemari chiridzwa. Zvino mari iri yakakura, uye mudzokere zvikwereti dzakadaro kakawanda. Makambani akawanda vanosarudza ichi chakafanana zvikwereti kuvanhu vose, nokuti zviri nani, nyore uye yakakodzera. Zvisinei, kazhinji kacho mari haisi wakakurisa, asi sezvo mamwe mari inogona kuendeswa mubhanga, kuti inokwana.

Features

Ziva zvakawanda zvinhu zvinhu ane overdraft chikwereti. Chokutanga kushaya chinangwa chikwereti. Kureva, kakawanda kupfuura chero chikwereti rakagadzirirwa chairo, pre-akabvuma kunangwa. Asi nzira vakawana pamwe overdraft kazhinji dzinogona kuitwa chero imwe nzira. Chechipiri chine ndiro chikwereti izwi. Kakawanda zviri zvishoma pane mwedzi mumwe. Mune zvimwe zviitiko - maviri kana kupfuura, asi ichi ndicho kujairika. Izvi zvinoreva kwete nguva iyo mutengi chaizvoizvo ane mukana kukwereta mari, uye ipapo, pashure penguva, anofanira kudzokera navo zvizere. The chimbadzo pamusoro zvikwereti kwakadaro kazhinji kupfuura kwenguva kwakajairika chikwereti, asi uwandu zvaida mapepa - shoma zvikuru. Uye mumwe inokosha: vasingawanzotauri zvinoda chero rubatso.

Chibvumirano overdraft zvikwereti

Gwaro iri hakusi zvakasiyana zvikuru kubva zvake chibvumirano kuti mureza kwezvikwereti. Huru misiyano vanoonekwa ezvinhu zvinongowanikwa nehurongwa hwakadai overdrafts, uyewo vanachandagwinyira kuomerera nhoroondo ano (nokuti pamutemo masangano). mabhanga mazhinji anoratidza mukana kumanikidzwa nyora-kubva mari kubva munhoroondo zvinogona anokwereta iri chiitiko kuti ari nguva yokuti chero chikonzero regai kuripa zvikwereti zvavo. The chibvumirano anoitwa musi mureza chimiro zvinosanganisira mashoko yavose vaviri anoratidza zvakajeka zvemari chikamu mubvunzo (zvakadini, uyo, kana, nezvimwewo), uyewo, zvichida, ichange iine clauses pamusoro simba majeure ezvinhu uye mamiriro vasiri kudzokera mari. Dzimwe nguva zvakare mashoko aripo uye zvimwe kuti kungadiwa maererano zvinoshanda mutemo, nemirau kubhangi wacho, mutengi zvinodiwa, uye zvichingodaro.

Muenzaniso isangano repamutemo

The kambani nguva dzose anogamuchira panguva yayo mari vamwe pamusoro zvakaenzana uye irambe uwandu mari. Yakavakirwa kwavo kuongorora kubhengi anopa kambani kuvhura imwe overdraft. Mushure nhaurirano uye kuguma chibvumirano zvakasimba anokwanisa kushandisa kwete mari, kureva kuti, nekuda kwake, asiwo vaya vakapa Riitirei. Ngatitii kuti kambani mukana kupinda mari chaizvo ngaakuitirei, asi pachake mari yayo Implementation isina (yaida chokuwedzera, kutenga zvinhu, uye zvichingodaro). Zvino iyoyo aigona kutora mari yacho reserved uye azadzise zvose ezvinhu, uye ipapo rumwe kwemari. Panguva apo chikwereti rinofanira vadzoka, kambani anowana kuchikwama chenyu akatotora vakawedzera mari iyo pamahombekombe pasi urongwa pakarepo anotuma kubhadhara chikwereti. Rakanga kupfuura nyore uye pachena muenzaniso zvikwereti overdraft.

Muenzaniso nomumwe

Kana vanhuwo zvavo, inoratidza kunyange nyore. Man anogamuchira kubva pamahombekombe kadhi, raakanga anogona kana kushandisa kana kwete kushandisa. Pane misi yose. Customer anouya muchitoro uye kuona chigadzirwa kuti kare aida kutenga, asi havana mari kana zvimwe mikana. Uye kutengesa panguva dhisikaundi akanaka. Kana anokwereta ndisipo Overdraft kadhi, angadai kumanikidzwa kuponesa mari iri uye pakupedzisira kuwana fuma pashure pakuguma Nehunde iri chitoro, nemutengo yakakwirira zvikuru. Zvino waanoripira kuritenga pakarepo uye chinowanzoitika kuponesa zvikuru kushandisa kadhi iri, kunyanya kana unozokwanisa munguva pfupi kubhadhara chikwereti chacho.

nonotsa

Ichi chinetso chepasi pose nokuda overdrafts zvose. Zvisinei, vakawanda rinotaura zvakananga nevanhu vasingagoni kana vasingadi kudzokera mumwe kare akapiwa mari. Kana mari iri muduku kuti kubhangi, munhu aigona chete kuwana rombo, uye kana haazokanganwi, ipapo dzinenge akasunda kugadzirisa kwenguva (nokuti izvo zvichaita "ichidonhedzera" guru kwazvo mubatanidzwa pauwandu hweavo). Asi, chokwadi, pakupedzisira, zvichaita achine kubhadhara. Panongotanga kubhangi vachanzwisisa kuti mari kare yakakura zvakakwana kutaura dare uye vateresi, zvichava kutanga zvekufamba uye nguva dzose anowana nzira yake.

zvakwakanakira

Overdraft anomukweretesa ane nhamba zvakanakira. Izvi zvinosanganisira zvinhu zvakadai chiduku akagadzirwa magwaro, hapana chikonzero kupa rubatso, kushayikwa abhadhare mari yakanga isina kushandiswa nemhosva uye kununura pakarepo. Kuti munhu kana repamutemo vangafarira imwe chinhu (kana zvose kamwechete) uye ndokusaka kutora chikwereti. Nokuti kubhangi, ichi hachisi kunyanya nyore uye zvakanaka, zvisinei, zvakadai hurongwa runoita kuyeuka vatengi, kukwezva vatsva uye kunyange chiduku purofiti. Kakawanda, mari zvikoro kuwana kupfuura Tera pachavo uye kuti mabasa akasiyana-siyana akabatanidza navo. Somuenzaniso, imwe anokwereta vanogona kushanda pamwe mubhengi, uye iye anosarudza dhipuroya rubatso, kutora chikwereti guru, kuwana kuburikidza mubayiro, mudyandigere kana zvimwe mikana zvinoreva. Somugumisiro, zvinonyatsorehwa profitability ane chikwereti richikura nguva, uye mabhanga mazhinji, chikamu ichi chiri kufungwa, kuti anotibvumira kuti muvigire overdraft zvinogona anokwereta mhindu, iri shoma pane pamisika mutengo. Chokwadi, zviri nyore kuti vatengi vane mukana kwete chete kuti awane "dhuri" mari, asi vakaramba muhari akakodzera.

kutadza

Chokwadi, Overdraft kadhi kana zvakafanana uye ane zvimwe zvainovhiringidzawo. Chief pakati pavo iri chaizvo nguva pfupi, panguva iyo unogona kushandisa mari. Kusiyana nezvinotaurwa siyana zvikwereti, iyo inopa kwegore kana kunyange kwemakore akawanda, overdraft, kazhinji tinofanira kudzokera kwemwedzi kana mwedzi mishoma, izvo zvisiri nyore chaizvo. Usakanganwa pamusoro intrusive basa. Vamwe mabhanga zarurai zvikwereti dzakadaro kunyange pasina ruzivo nemhosva, zvinoshatirisa vazhinji uye vanogona anonamata zvinokosha nezvinhu. Pakati pezvimwe zvinhu, vamwe fraudsters vanoshandisa magwaro asiwo kuwana zvikwereti izvi mhando nokuti chokuti chaiyo nyaya yacho yeGmail.END_STRONG haina kuzvireva. Somugumisiro, kudzokera chinhu havasi kuenda, aripo muridzi magwaro ane chokuita nacho, hazvina siginicha yake pamusoro chibvumirano uye tsika zvemari anotanga varasikirwa. Muduku vose nematambudziko pamutemo masangano, zvinokwanisika nguva kunyora kure chitsama chikwereti kubva achangobuda kwenhoroondo kambani. Zvisinei, kana ari pakati nepakati hapana mari uye haasi kutarisirwa, ipapo zvakare pane dambudziko kudzoka unsecured mari. Zvinofanira kucherechedzwa kuti mabhanga mazhinji vane mabasa chaiwo kuti chamber zvachinja kwemari mari iri nhoroondo anokwereta avakire aramu kana mamiriro ezvinhu anotanga kuipa. Panyaya iyi, tsika zvemari kunogona nyore ugopfiga overdraft, zvachose vachiramba kambani kuwana zvikwereti.

zvabuda

Pasinei nezvikanganiso, zvinonyatsorehwa gadziriro, ichi kunobatsira chaizvo uye yakakodzera, kunyanya vatengi. Kunoitawo nguva kuwana mari yakawanda sezvo kunodiwa, izvo zvinozoita inoita vanhu kutenga zvinhu kuti anodiwa, uye zviri pamutemo - kushandisa mamwe mari mabasa ayo, kuti zvakawanda kupfuura aifanira kudzoka, kunyange kufungisisa dzakava mubereko . Chinhu chikuru zvose izvi - the timeliness ose achauya nematsive. Kunyange kunonoka duku kunogona kukanganisa munyika yose kadhi nhoroondo, anozopa mukana kukwereta kubva mamwe mabhanga, uye kufarira, makomisheni, mubereko uye dzimwe mari, izvo pakupedzisira vose vachiri kudzokera, dzimwe nguva kupfuura zvose zvine mwero, uye kunyange pakutanga chikwereti uwandu.