Ngongole Overdraft kuti mabungwe alamulo ndi anthu

Overdraft kukongoza - kopindulitsa ndalama chida onse wobwereka ndi gulu kubanki. Timatha nthawi yoyenera kupeza ndalama zikusowa, motero nthawi zonse, ngakhale chidwi kwambiri, atuluka ndalamawo.

ndi overdraft ngongole zimene

Ngongole ya mtundu uwu tinabadwa ngongole zabwinobwino operekedwa ndi kampani pa maziko a pangano lililonse pa zinthu zinalili kumatanthauza. Kumasiyana ndi mitundu muyezo wa ngongole mankhwala chabe masamba kwa makasitomala n'zotheka kutenga ndalamazo. Kuti ndi muyezo chiwembu ndalama kunditumiza ku nkhani ya wobwereka kapena gulu lina mogwirizana ndi kampani. Zazimenezi zili yomweyo ndipo zonse. Kuyambira nthawi imeneyo, kampani ayenera mu nthawi mwachindunji kubwerera ndalama ndi chidwi. Koma overdraft ngongole kusanthula zikusonyeza kuti kwapatsidwa kokha pamene chofunika. Ndipotu, kampani ndi yopindulitsa kwambiri, chifukwa ochepa okha kulipira chidwi kwa ndalama watenga, ndipo osati wina mukhoza kupeza. Mungasankhe ndi mitundu ya ngongole ngati kwambiri.

mitundu

Overdraft ngongole lagawidwa mitundu ikuluikulu anayi:

• luso,
• chifukwa encashment,
• pansi,
• muyezo.

Yoyamba ndi ngongole kuti liperekedwe kwa kasitomala mosatengera kuti mawu ake chuma, ndipo pafupifupi zizindikiro zina zonse. Chinthu chachikulu - liwiro ndipo malisiti. Ngati bungwe banki amaona kuti chifukwa cha munthu wolandira wambirimbiri ndalama aonane panthaŵi inayake, mwina tipereke luso overdraft mwina. Iye ali wolimba, koma zimathandiza kuti onsewo.

Mtundu chachiwiri, amene angathe kutenga overdraft ngongole zofunikira za unyolo waukulu ritelo ndi mabizinesi ena zonse yakupereka pa chimaposa ku banki. Izi ndi njira yodalirika kwambiri, imene kampani angagwiritse ntchito ndalama zambiri kuti mfundoyi, iwo kwenikweni kugwera mu nkhaniyi, ndipo pambuyo chimaposa adzaperekedwa m'manja, ngongole lonse linapindula. Tikumbukenso kuti pangano tsono angathe zosiyanasiyana.

Mtundu wachitatu wa ngongole - katapila. Ndi wamng'ono yopindulitsa banki, koma kampaniyo yabwino. Zoterezi asankhe akubwereketsa mchitidwe zambiri kuti abwere bungwe lalamulo utumiki.

Wachinayi ndi wotsiriza - muyezo mtundu. Iye bwino yosayenera kufotokoza chakale cha ngongole overdraft kwa mabungwe alamulo. Kwenikweni ake ndi yosavuta. Kasitomala zikugwirizana ndi banki kuti adzatha paokha ntchito muyezo winawake. bungwe Financial Nayenso n'chakuti yaitali bwanji adzatha kugwiritsa ntchito ndalama, ndi pa zimene mawu.

kwa anthu

Overdraft ngongole kwa anthu nthawi zambiri ikuchitika mwa issuance wa khadi pulasitiki ngongole, amene akudikira makasitomala kuchuluka mapulani amene akhoza kugwiritsa ntchito pa nzeru zake. Mtundu wa ngongole ndi bwino kuti anthu ambiri, n'zomveka ndi mwaukhondo. The vuto lalikulu pano banki salandira pafupifupi palibe yokonza ndi vuto la mavuto kapena ndalama sanali kubwerera amakhala kovuta. Mfundo yofunika apa ndiye kuti limanena zoperekedwa kwa anthu si lalikulu kwambiri, ndi chifukwa cha iwo, palibe mmodzi kuti akambirane sudzakhala ngati mavuto yaitali kuposa ubwino.

makampani

Overdraft ngongole kwa mabungwe alamulo - kuposa chida aakulu azachuma. Ndiyeno kuchuluka ndi yokulirapo, ndi kubwerera ngongole zimenezi nthawi zambiri. makampani ambiri akukonda mtundu wa ngongole kwa onse, chifukwa n'kwabwino, n'zosavuta ndi yabwino. Komabe, nthawi zambiri kuchuluka si lalikulu kwambiri, koma ndalama monga zina kuti angathe kupita ku banki, ndicho zokwanira.

Features

Kudziwa zinthu zingapo zofunika kuti ali ngongole iliyonse overdraft. Woyamba ndi kupanda cholinga cha ngongole ndi. Kuti nthawi ndi nthawi kuposa ngongole iliyonse lakonzedwa enieni, mipherezero chisanadze anavomera. Koma njira zopezera ndi overdraft zambiri akhale njira iliyonse yabwino. Mbali yachiwiri ndi mawu akuti ngongole. Nthawi zambiri ndi pasanathe mwezi umodzi. Nthawi zina - awiri kapena kuposa, koma ichi ndi zachilendo. Amenewa amanena kuti nthawi imene makasitomala kwenikweni ali mwayi kubwereka ndalama, ndipo patapita kanthawi, azibweza iwo mu zonse. The chiwongola dzanja pa ngongole ngati zambiri kuposa cha ngongole ochiritsira, koma chiwerengero cha zikalata chofunika - zochepa. Ndipo mfundo ina yofunika: zambiri popanda ina iliyonse.

ngongole mgwirizano overdraft

chikalata ichi si wosiyana kwambiri kuchokera ku mgwirizano wamba ngongole muyezo. Kusiyana waukulu amaonedwa zinthu zimene zimapezeka mu dongosolo monga overdrafts, komanso okhwima kutsatira nkhani zikusinthira (kwa mabungwe alamulo). mabanki ambiri amatchula kuthekera amakakamizidwa utalembedwa-kutali ndalama pa nkhani ya wobwereka angathe kukachitika kuti nthawi yake chifukwa chilichonse musati abweze ngongole yawo. mgwirizano pa tsiku mawonekedwe muyezo zikuphatikizapo mfundo za mbali zonse bwino amatchula gawo la ndalama funso (mochuluka bwanji, amene, pamene, ndi zina zotero), komanso, osalephera, kodi muli Akumakambirananso pa mphamvu majeure zochitika ndi zikhalidwe za ndalama sanali kubwerera. Nthawi zina ndi mfundo zokha ndi ena kuti ukafunidwe malinga ndi lamulo, malamulo banki, zofunikira kasitomala, ndi zina zotero.

Chitsanzo cha bungwe lalamulo

kampaniyo zonse amalandira ndalama zake zina za kuchuluka ofanana ndi khola la ndalama. Kuchokera pa kusanthula awo a banki amapereka kampani kuti kutsegula overdraft. Pambuyo kukambirana ndi mapeto a mgwirizano ndi olimba akhoza kugwiritsa ntchito osati ndalama, ndiye nkhani yake, komanso anthu amene anapereka gombe lake. Tiyerekeze kuti kampani mwayi kulowa tagwirizana yapamwamba kwambiri, koma mwini ndalama kukhazikitsa ulibe (Akufunika kuti mukulitse, kugula zipangizo, ndi zina zotero). Ndipo mu mphindi iye akanakhoza kutenga ndalama Otetezedwa ndi kukwaniritsa zinthu zonse, ndiyeno kupanga ndalama zambiri. Pa nthawi imene ngongole ndi kubwezedwa, kampani afika akaunti yanu kale kuchuluka ndalama zimene banki pa makonzedwe yomweyo amatumiza kubweza ngongole. Zinali chitsanzo ambiri kumodzi ndi zoonekeratu ngongole overdraft.

Chitsanzo cha munthu

Pankhani ya anthu wamba, izo zikuwoneka sizivuta. Munthu amalandira khadi banki, amene sakhoza kuchigwiritsa ntchito kapena ntchito. Pali zochuluka. Kukabwera mu sitolo ndi kuwona mankhwala akhala ankafuna kugula, koma alibe ndalama kapena mipata ina. Ndipo ndi m'pomveka pa kuchotsera wabwino. Ngati wobwereka khadi kwina Overdraft, ndiye iye sakanachitira mwina ndalama ndipo potsiriza katundu pakutha pa katundu mu sitolo, pa mtengo wapamwamba kwambiri. Ndipo pamene iye amalipira kugula yomweyo ndipo zikuoneka kuti apulumutse kwambiri pogwiritsa ntchito khadi iyi, makamaka ngati angathe mu nthawi yochepa kubweza ngongole yake.

kuchedwa

Izi ndi vuto lonse kuti overdrafts onse. Komabe, ambiri a iwo amachita mwachindunji ndi anthu amene sangathe kapena sakufuna kuti abwerere ndi ndalama kale analandira. Ngati kuchuluka ndi zonyozeka kwa gombe, munthuyo akhoza kungofika mwayi, ndipo ngati simudzaiwala, ndiye osachepera anakankhira kuthetsa yaitali (kwa umene "kusiya" mtengo waukulu kwambiri wa chiwerengero). Komabe, posapita nthawi, komabe ndi kubweza. Mwamsanga pamene banki kumvetsa kuti kuchuluka kale opondapo kulankhula ndi bwalo ndi okhometsa, izo kuyamba Kuthi ndi zonse afika njira yake.

ubwino

Overdraft kukongoza angapo ubwino. Izi zikuphatikizapo zinthu monga akonzedwa ka zikalata, palibe kufunika ina, kusowa kulipira ndalama zimene akanapanda ntchito ndi kasitomala ndi kupulumutsa n'kamodzi. Kuti ndi munthu kapena bungwe lalamulo chidwi mu item makamaka (kapena zonse mwakamodzi) ndipo n'chifukwa thamo. Kubanki, ichi si makamaka yabwino ndi zaphindu, Koma m'njira imeneyi zimathandiza kuti musunge makasitomala, kukopa atsopano ndipo ngakhale phindu yaing'ono. Nthawi zambiri, mabungwe a zachuma ndalama zambiri kuposa Kuyamikira okha ndi ntchito zosiyanasiyana nawo. Mwachitsanzo, wobwereka akhoza kusangalala pogwira ntchito pokongoletsa, ndipo aganiza atumiza chuma, kutenga ngongole zazikulu, yowirira malipiro, penshioni kapena zina zimene mungachite zikutanthauza. Motero, ndi profitability wonse wa ngongole kukula nthawi, ndi mabanki ambiri, mbali iyi n'komwe, kuti amatilola kupereka overdraft borrowers kuthekera pa chidwi, amene ali zosakwana mtengo msika. N'zoona yabwino kwa makasitomala amene mwayi osati kupeza "wotchipa" ndalama, koma anakhalabe mu mphika abwino.

zolakwa

Kumene, Overdraft ngongole kapena ofanana ndi ali zina zovuta. Chief pakati pawo ndi waufupi kwambiri nthawi, imene mungagwiritse ntchito ndalama. Mosiyana ndi mitundu muyezo wa ngongole, amene amathandiza kwa chaka kapena zaka zingapo, overdraft, amafunika kubwerera kwa mwezi kapena miyezi ingapo, amene si yabwino kwambiri. Musaiwale za utumiki intrusive. Ena mabanki kutsegula ngongole oterowo popanda chidziwitso cha kasitomala, kuti umasokoneza ambiri ndipo mwina patsogolo pake awiri. Mwa zina, ena fraudsters ntchito zikalata yabodza kupeza ngongole ya mtundu umenewu chifukwa chakuti nkhani yeniyeni ya kasitomala si chofunika. Chifukwa, kubwerera chirichonse iwo Sapita, mwini panopa zikalata ziribe kanthu kochita ndi izo, osati siginecha wake pa mgwirizano ndi bungwe ndalama wayamba agonje. Wamng'ono wa mavuto onse ndi mabungwe alamulo, nthawi zonse zotheka kuti thanani kuchuluka kwa ngongole pa nkhani atsopano a kampani. Komabe, ngati pa muyezo palibe ndalama ndipo sayenera, ndiye kachiwiri pali vuto ndi kubwerera kwa ndalama unsecured. Tikumbukenso kuti mabanki ambiri ndi misonkhano yapadera kuti younikira kusintha mu mulingo ndalama za nkhani wobwereka wamasiyeyo ndi alamu ngati zinthu akuyamba kuipa. Pankhaniyi, kosamalira ndalama akhoza kungoyankha kutseka overdraft, kwathunthu kumakana kampani kupeza ngongole.

zotsatira

Ngakhale zolakwa, ndi dongosolo ndinganene izi n'kopindulitsa kwambiri ndi yabwino, makamaka makasitomala. Timatha nthawi ndalama zochuluka monga chofunika, womwe chimathandiza anthu kugula zinthu zofunika, ndipo malamulo - yopeza ndalama zina zochitika zawo, kuti kwambiri kuposa iye ayenera kubwerera, ngakhale kutenga nkhani accrued chidwi . Chinthu chachikulu zonsezi - ndi Timeliness of alipire. Ngakhale akuchedwa zing'onozing'ono lonse katundu ngongole mbiri, amene adzakupatsani n'zotheka kupeza ngongole ku mabanki, ndi chidwi, mabungwe, chidwi ndi milandu ina, imene mapeto pyonsene kubwereranso, nthawi zina Opyola malire onse oyenera komanso ngakhale kuchuluka choyambirira ngongole.