Ulwazi malunga nokuba yiyiphi i-overdraft, inokuba luncedo xa kunesidingo esiphuthumayo sokufumana imali. Kwamanye amanqaku, ngokuchaseneyo, lo msebenzi udala ingxolo. Ukuba akukho mfuneko yokongezwa kwamashishini angenelelo lwangaphandle, umnini wekhadi lomvuzo makahlale egcina umda othile kuyo. Ukuvumelanisa kwiprogram enjalo, kufuneka ufunde isitalathisi ngokucacileyo, ukuze ungabi ngaphezu kweyona nzala.
Yintoni i-overdraft ebhankini?
Inkonzo ye-overdraft enikezelwa kubantu ngabanye kunye nemibutho yomthetho ngokuqhelekileyo iprogram yokuboleka kunye nezimo ezizodwa. Impawu zayo zilandelayo:
- ukudluliselwa kweemali kwiakhawunti yangoku;
- isixa semali sibhaliweyo ngaphandle kokungena kwemali;
- Inzala yomrhumo kwi-overdraft ilawulwa yibhankini - kungenzeka ukuba ayikho, ifumaneke kuphela xa kuthengwa kwexesha elide okanye iyahluka ngokuxhomekeke kwibhalansi;
- I-Overdraft, njengomgaqo, inika ixabiso elincinci kwithuba elincinci - ixesha elide leengxaki zemali.
Yintoni i-overdraft ekhadini?
Amakhadi ane-overdrafts ahanjiswa ngokubanzi. Kwiimeko ezininzi, zinikezelwa kwiakhawunti yangoku yekhasimende, apho ifumana umvuzo okanye i-akhawunti yediphozithi. Ukusetyenziswa kwe-overdraft - ibhanki ekutshintshelweni kwiakhawunti yomthengi imali echazwe kwisivumelwano, esiya kubakho ngexesha elithile.
Ekupheleni kweli xesha, umxhasi unyanzelekile ukuhlawula imali kunye nomdla, kuxhomekeke kwimimiselo yesivumelwano. Ukuba iimali ezongezelelweyo azifuneki kumxhasi, akanako ukuzisebenzisa, ukugcina umda we-overdraft okanye ukwenqaba loo nkonzo. Ngexesha elifanayo, kufuneka ukhumbule ukuba kufuneka ugcine kangakanani ekhadini-le ngenye yezinto ezingenakwenzeka kwimveliso ebhanki.
Yiyiphi i-overdraft evumelekileyo?
Njengomgaqo, i-overdraft ekhoyo ibalwa ngokuxhomekeke kwingeniso ezayo kwi-akhawunti yangoku yekhasimende. Ngamanye amaxesha inkonzo enjalo ingafakwa ngokuzenzekelayo kwiprojekthi yomvuzo womxhasi. Isatifiketi sengqesho singasebenza njengengeniso eqinisekisiweyo. Ukubhaliswa kwe-Overdraft kungadinga ulwazi olongezelelweyo:
- ubukho bokubhaliswa ngonaphakade;
- ukuqinisekiswa kwamava omsebenzi;
- akukho matyala kwezinye iimboleko.
Umda we-Overdraft - yintoni na?
Kuzo zonke iimeko, ukubonelelwa kwe-overdraft kuhambelana nomda kumda weemali ezisetyenziswayo. Umda ngumlinganiselo onokusetyenziswa ngumthengi ngeenjongo zobuqu kwaye kufuneka ubuyiswe ngexesha elithile. Kwiimeko ezininzi, kubalwa njengepesenti yemali yemali kwi-akhawunti yokuhlawula kunye neentlawulo zabo. Imeko eyongezelelweyo yokusebenzisa i-overdraft ekhoyo ingabinciphisa umda wokurhoxisa imali kunye nokwanda kwayo xa kuzaliswa i-akhawunti.
I-overdraft ihluke njani kwimali mboleko?
Kungakhathaliseki umsebenzi omnye - ukukhutshwa kweemali zokusetyenziswa kwabaxhasi kunye nokubuyela kwabo ngokuzayo kunye ngaphandle, umehluko phakathi kwe-overdraft kunye nekhredithi ekhoyo. Ezi zinto zilandelayo zikwahlukana:
- Njengomthetho, umboleko wunikela ngemali yemali kwisithakazelo esicacisiweyo esicacisiwe kwisivumelwano, kunye ne-overdraft ngaphandle kwayo xa kwenzeka ukubuyiswa kwemali ngexesha elifanelekileyo. Ukuba inkokhelo ye-overdraft isiphelile, inzala kuyo ingaba mkhulu kunomhla wokuhlawulwa kwemali kwi-credit line.
- I-Overdraft, njengomthetho, ayifuni ukuqinisekiswa kwengeniso, kodwa iphinde inikezele ukusebenzisa imali encinci kunomboleko.
- Inani lemali mboleko lixhomekeke kwi-solvency yomthengi, kwaye inani le-overdraft liphuma kumvuzo oza kwiakhawunti ethile okanye inani lemali ekuthengeni kuyo.
Yintoni eyingozi kwi-overdraft kubantu ngabanye?
Ukuba unokufikelela kwimali ethile, umntu unokulibala ngokuhlawula ityala kwibhanki. Oku kuthiwa yi-overdraft yobugcisa-ityala xa uhlawula imali. Kwiimeko ezininzi, kwenzeka xa umda okhoyo ungaphezulu kwe-underdraft yesivumelwano. Kule meko, ukongeza kwintlawulo engaphezulu yokuhlawulwa phantsi kwekhontrakthi, kunokufumana umrhumo wokubambezeleka kwintlawulo, ephindwe kaninzi ngaphezu kwexabiso elichithwe.
Kukho iimeko xa umthengi ehoxise ngengozi ngaphandle kwexabiso eliqhelekileyo, elibandakanya imali ehlinzekwe yibhanki. Ngenxa yeziganeko ezinjalo kunokwenzeka ukuba ulandelwe kwaye uhlawule imali eyongezelelweyo. Ngamanye amaxesha ikhredithi entsha ikhutshwa, inkonzo ye-overdraft ixhumeke ngokuzenzekelayo kuyo, kwaye ukuba umthengi akazi malunga nayo, inokuhlawula ixabiso elininzi. Ngoko ke kubalulekile ukujonga zonke iinkonzo ezinikezelwe kwikhadi lebhanki. Thatha i-overdraft uze uyibale malunga nemfuneko yokugcina umda kwi-akhawunti-leyo yingozi enkulu kumthengi.
Indlela yokudibanisa i-overdraft?
Emva kokuqonda into ebalulekileyo ye-overdraft, umxhasi unquma ukuba ngaba inkqubo enjalo iyadingeka okanye cha. Kwimeko yempendulo efanelekileyo, kufuneka uqhagamshelane ne-ofisi yebhanki ukugqiba isivumelwano. Inkqubo yokudibanisa i-overdraft ingahluka kwibhanki nganye. Kwezinye iimeko, ixhumeke ngokuzenzekelayo. Ngokufanayo, umyinge onokuthelekelelwa ubalwa - kuxhomekeke kwingeniso yenyanga kunye nokuthengwa kwemali kwi-akhawunti.
Kwiimeko ezininzi, kuphela uxwebhu lobunikazi olwaneleyo, amanqaku omthengi angafuna iphepha elithile:
- umsebenzi wesetyenzisiweyo;
- ubungqina bemivuzo;
- ingxelo zeakhawunti.
Ungakhubaza njani i-overdraft?
Ukuba kuyimfuneko, inkonzo ye-overdraft ingacinywa. Kule nyathelo, kuyafaneleka ukuqhagamshelana nebhanki ukuphelisa isivumelwano. Enye yeemeko zaloo nyathelo iya kuba ukungabikho kwetyala phantsi kwesi program. Kwimibutho eyahlukeneyo yezemali kukho imimiselo eyahlukeneyo yokubonelela ngemveliso yemali. Ziyabhalwa ngokubhaliweyo kwisivumelwano. Ukuba kukho imeko yokuba i-overdraft ayinakunqanyulwa, ngoko ngokusayina kwesivumelwano, ungacacisa umda wokuba unikwe imali.
Akukhathazeki ukuba umthengi ukhetha ntoni-umbolekisi okanye inkqubo ye-overdraft, kufuneka uqikelele ukuba iimveliso zebhanki zixhunyaniswe nokuxhaswa kwemali. Ngomdla wokusetyenziswa kweemali zebhanki kunye nemigomo yendlela yokuvuna ngayo, kuya kuthi, kungakhathaliseki ukuba uyayilingisa njani isiphakamiso, kubalulekile ukukhumbula ukuba i-overdraft yintoni, kwaye yiziphi iingozi zemali ezinokudibana nazo.