ʻO nā mea a pau e pili ana i ka overdraft bank

ʻAʻole maopopo ka poʻe he nui i ka hana ʻana o nā overdrafts. ʻO ka ʻoiaʻiʻo, ʻo ka overdraft bank kahi hiki ke hāʻawi ʻia e nā panakō i kā lākou mea kūʻai aku i hiki ai iā lākou ke hoʻolilo ʻoi aku ma mua o kā lākou moʻokāki.

ʻAʻole kūʻokoʻa kēia lawelawe, ʻo ia ka uku. Ke hana nei kēia margin e like me ka hōʻaiʻē panakō e loaʻa ana ka ukupanee. Ma kēia alakaʻi, hōʻike wau iā ʻoe pehea e hoʻokele ai i kāu overdrafts bank i mea e pale aku ai i kekahi mau uku panakō pono ʻole.

Akā ma mua o kou hoʻomaka ʻana, eia kahi aʻo e hiki ai iā ʻoe ke loaʻa iā 1000euros / lā ma 5euros.com. Kaomi ma aneʻi e kūʻai

???? He aha ke kālā overdraft?

ʻO ka overdraft panakō he laina hōʻaiʻē e uhi ana i kāu mau hana inā hāʻule kāu koena waihona kālā ma lalo o ka ʻole. Hoʻolālā ʻia kēia laina hōʻaiʻē ʻole e uhi i nā hemahema o ke kahe kālā no ka wā pōkole.

Pono nā overdrafts inā pono ʻoe e hoʻokele pono i nā kūlana kālā maʻamau.

No ka laʻana, aia ʻoe i loko o kahi hale kūʻai a makemake ʻoe e kūʻai aku i kahi nui o 80 euros a ʻaʻole lawa kāu koena e 10 euros. He aha ka mea e hiki mai ana?

E ʻae ka panakō i kāu kūʻai a manaʻo ʻoe he $10 kāu aie iā lākou. I nā huaʻōlelo ʻē aʻe, loaʻa iā ʻoe kahi overdraft o 10 euros ma kāu moʻokāki.

Ke hoʻonohonoho ʻole ʻia kēia keʻena overdraft ma mua, e uku nā panakō i ka mea i ʻike ʻia he 'uku overdraft account'. No laila, aia kekahi mau ʻano o ka overdrafts bank.

???? Nā ʻano o ka overdraft panakō

Loaʻa iā ʻoe ʻelua ʻano o ka overdrafts: overdrafts ʻae ʻia a me nā overdrafts ʻae ʻole.

➤ ʻO nā overdraft ʻae ʻia

Hoʻonohonoho mua ʻia nā overdraft ʻae ʻia me ka panakō. No laila ua kapa ʻia lākou he "hoʻonohonoho" overdrafts. Ua ʻae ʻoe me kāu panakō ma kahi palena overdraft āu e mahalo ai. Na kāu panakō e uku iā ʻoe i ka ukupanee a i kekahi manawa nā uku ʻē aʻe ma luna o kēlā.

➤ ʻO nā overdraft ʻae ʻole

Ua kapa ʻia lākou he "unplanned" a i ʻole "unarranged" overdrafts. Hiki ia mau mea ke hoʻolilo ʻoe ma mua o kāu i kāu waihona kālā me ka ʻole o ka ʻae ʻia. Hoʻopili kēia i ka ʻoi aku o ka palena o kahi overdraft ʻae ʻia.

???? Uku hoopau panakō

ʻO nā koina maʻamau i loko o ka waihona overdraft ka inoa maʻalahi o nā uku overdraft. Hana ʻia lākou i ka wā e ʻae ai ka panakō i kahi kālepa i ʻoi aku ma mua o kāu koena i loaʻa.

ʻO ka maʻamau, ʻaʻole uku nā panakō i nā uku overdraft inā loaʻa iā ʻoe kahi overdraft ma lalo o $5. Ma ka laulā, aia nā ʻano uku 4 e pili ana i kahi overdraft bank.

➤ ʻO nā uku kālā i lawa ʻole (NSF).

Loaʻa nā koina NSF i kēlā me kēia manawa e koho ka panakō e hōʻole iā ʻoe i ka overdraft. Ma kahi o nā panakō a pau e uku i ka nui like no nā overdrafts a me nā uku no FNS. Hoʻoili pinepine ʻia nā mea ʻelua ma ke ʻano he hoʻokahi kālā i kāu papa hoʻonohonoho uku.

No ka mea pono e koho ka panakō ma waena o ka ʻae ʻana a me ka hōʻole ʻana i kahi overdraft, e uku ʻia kahi overdraft hoʻokahi iā ʻoe i nā uku overdraft a i nā uku FNS, akā ʻaʻole ʻelua. Eia nō naʻe, ʻokoʻa kekahi mau panakō ma waena o nā uku ʻelua i ka helu ʻana i ka nui o kēlā me kēia lā.

➤ Uku hoomalu overdraft

Hoʻolimalima ʻia nā uku hoʻomalu overdraft i kēlā me kēia manawa e hoʻonohonoho ka panakō i kahi hoʻoili mai kekahi o kāu mau moʻokāki e uhi i ka overdraft. ʻO kēia moʻolelo maʻamau a waihona kālā. Ua kapa ʻia kēia mau uku he overdraft fees.

Ma ke kānāwai, ʻaʻole hiki i nā panakō ke hoʻokomo i ka pale overdraft ma ke ʻano he lawelawe moʻokāki maʻamau. No laila pono nā mea kūʻai aku e koho inā e hoʻā a ʻaʻole i kēia hiʻohiʻona.

Banks online hāʻawi pinepine i ka pale overdraft manuahi. Akā inā ʻoe ma kahi panakō maʻamau, hiki iā ʻoe ke manaʻo e uku ma waena $10 a me $12,50 no ka hoolilo.

ʻOiai e mālama paha kēia iā ʻoe i ke kālā ke hoʻohālikelike ʻia me ka uku ʻana i ka overdraft a i ʻole nā ​​uku NSF, inā ʻaʻole i hoʻokomo ʻia nā kulekele o ka panakō i nā leka koi no kēlā me kēia hoʻoili overdraft, hiki iā ʻoe ke hoʻopau i kāu waihona ma mua o ka ʻike ʻana i ka mea e hana nei.

➤ Hoʻonui ʻia nā uku overdraft

ʻO ka uku hope loa i ka arsenal o nā hoʻopaʻi overdraft ʻo ia ka uku overdraft hoʻonui. ʻO kēia mau uku i kekahi manawa i kapa ʻia ʻo nā uku overdraft lōʻihi a i ʻole nā ​​uku koena overdraft hoʻonui.

Hoʻokomo lākou i ka pāʻani ke haʻalele ʻoe i kāu kaulike moʻokāki no kekahi mau lā. A ʻo ia ka mea i loaʻa i nā poʻe he nui.

Heluhelu 'atikala: He aha ka mea e hana ai ka mea loiloi kālā?

I ka hapanui o nā hihia, loaʻa iā ʻoe nā lā ʻoihana 5 a i ʻole 7 mau lā kalena e hoʻoponopono ai i kāu koena ma mua o ka hoʻonui ʻana i nā uku overdraft e hoʻokomo i kāu moʻokāki i loko o ka ʻulaʻula. No laila e makaʻala loa i kāu kaulike.

Hoʻolimalima kekahi mau panakō i kēia uku hoʻokahi i kēlā me kēia 5 lā. ʻO nā mea ʻē aʻe e nānā i nā uku i kēlā me kēia lā a hiki i kou lawe ʻana i kāu koena ma luna o ka ʻole. ʻOkoʻa ka helu kiʻekiʻe o nā uku overdraft hiki iā ʻoe ke loaʻa ma ka panakō.

Eia nō naʻe, aia nā ʻenehana e kaupalena a pale paha i kēia mau uku. Ua wehewehe au i kekahi o kaʻu mau ʻatikala pehea e pale aku ai i kekahi mau uku panakō ma ke ʻano nui a me nā uku overdraft. Kaomi ma ʻaneʻi ma cpehea e pale aku ai i nā uku panakō kiʻekiʻe?

Ma waho aʻe o kēlā, eia kaʻu mau ʻōlelo aʻoaʻo ma ke ʻano he mea hoʻokele kālā e hoʻokele maikaʻi i kāu overdrafts.

???? ʻO kaʻu mau ʻōlelo aʻoaʻo no ka mālama ʻana i kāu overdraft

E like me kaʻu i ʻōlelo ai ma ka hoʻomaka ʻana o kēia ʻatikala, hiki i ka hoʻokele maikaʻi ʻole o ka overdraft bank ke alakaʻi i nā uku kiʻekiʻe no ka mea mālama moʻokāki. Eia kaʻu mau ʻōlelo aʻoaʻo no ka mālama maikaʻi ʻana i kāu overdraft panakō.

➤ E mālama pono i kāu koena moʻokāki

He mea maopopo paha ia, akā ʻo ka mālama ʻana i kāu koena moʻokāki kekahi o nā ala maikaʻi loa e pale aku ai i nā uku overdraft.

E hana maʻalahi e like me ka hiki:

• Ke hoʻoiho ʻana i kāu polokalamu panakō i kāu kelepona
• Hoʻonohonoho ʻana i nā leka hoʻomaopopo i ka wā haʻahaʻa kāu koena
• Ke hoʻohana nei i ka waihona kelepona.

➤ E heluhelu mau i nā leka mai kāu panakō

He mea maʻalahi ke komo i ka maʻa o ka wehe ʻole ʻana i nā leka mai ka panakō a me ka manaʻo he leka maʻamau wale nō.

He mea nui e nānā i nā leka a pau no ka mea hiki i ka panakō ke kākau iā ʻoe e hōʻike iā ʻoe i ka hoʻololi ʻana i kāu palena overdraft a i ʻole ka piʻi ʻana o kāu uku pānaʻi overdraft.

➤ E hoʻohana i ka waihona inā loaʻa iā ʻoe kekahi

Inā loaʻa iā ʻoe kahi waihona kālā a me ka overdraft, e emi ke kumukūʻai iā ʻoe i ka wā lōʻihi e hoʻohana ai i kāu waihona e uku ai. Inā loaʻa iā ʻoe kahi kumukūʻai i manaʻo ʻole ʻia, hiki iā ʻoe ke hoʻohana mau i kāu overdraft e uku no ia. A inā ʻaʻole ʻoe, hiki iā ʻoe ke hoʻomaka e kūkulu hou i kāu waihona, no laila ua mākaukau ʻoe no kēlā lilo i manaʻo ʻole ʻia.

➤ E ʻimi i nā ala e ola ai ma ke kālā

E ho'ēmi i kāu overdraft i ka hikiwawe loa, ʻo ka hoʻemi ʻana i nā wahi ʻē aʻe e kōkua iā ʻoe e hoʻokuʻu i kahi kālā. Hiki ke hoʻohana ʻia ke kālā āu e mālama ai e uku i kāu overdraft.

➤ Hoʻololi panakō

E hoʻololi i kahi waihona waihona me nā uku overdraft haʻahaʻa. Inā hoʻokomo pinepine ʻoe i kāu overdraft, e kūʻai i ka mea me nā uku haʻahaʻa. Hiki paha iā ʻoe ke hoʻololi i kahi moʻokāki me kahi bonus hoʻololi, e kōkua i ka hoʻomaʻemaʻe ʻana i kāu overdraft.

???? ʻO nā pōmaikaʻi o ka overdraft bank

Hoʻopili ʻia kekahi mau pono i ka hoʻohana ʻana i kahi overdraft bank. Ma keia pauku ke hoike aku nei au i kekahi o ia mau mea ia oe. ʻO ka overdraft bank hiki iā ʻoe ke:

➤ Ka mālama ʻana i ka manawa like ʻole o ke kahe kālā

ʻOi aku ka maikaʻi o ka overdraft bank no nā ʻoihana me ka nui o ke kālā i ka manawa i hāʻawi ʻia. Hiki i kahi overdraft ke kōkua i ka hoʻonohonoho hou ʻana i kahi pōʻai o nā kahe kālā i hoʻokuʻu ʻia.

Heluhelu 'atikala: ʻO nā pae o kahi hoʻolālā papahana e hōʻoia i ka holomua o ka papahana

I nā huaʻōlelo ʻē aʻe, inā loaʻa nā kūʻai a me nā kūʻai ʻana i ke kālā e kahe ana i loko a i waho i nā manawa he nui i loko o hoʻokahi pule / mahina; ʻO kahi keʻena overdraft hiki ke hoʻokele i nā ʻokoʻa kālā e hiki mai ana ma muli o ka lōʻihi o ka manawa.

➤ E kōkua i ka mālama ʻana i kahi waihona kālā maikaʻi

Inā kākau ʻia kahi leka ma muli o kahi kālā i loaʻa, a inā lohi ʻia, ʻaʻole e lele ka haki ma muli o ka lawa ʻole o ke kālā. No laila, hiki i ka hale overdraft ke loaʻa ka mōʻaukala uku ʻoi aku ka maikaʻi.

➤ E uku i ka manawa

E hōʻoiaʻiʻo ia i nā uku kūpono a pale i nā hoʻopaʻi hope ʻoiai hiki ke uku ʻia inā ʻaʻole lawa ke koena moʻokāki.

➤ E pale i ka pepa

Pono ia i nā pepa liʻiliʻi e koi ʻia i nā hōʻaiʻē lōʻihi no ka mea maʻalahi ka hoʻohana ʻana i ka overdraft.

➤ Pōmaikaʻi mai ka maʻalahi

Loaʻa i ka overdraft ka pōmaikaʻi o ka maʻalahi. Hiki ke lawe ʻia i kēlā me kēia manawa, no kēlā me kēia kālā (a hiki i ka palena i hoʻokaʻawale ʻia), a no ka liʻiliʻi o hoʻokahi a ʻelua paha lā.

➤ Pōmaikaʻi mai nā uku ukupanee haʻahaʻa

Hoʻopili wale ʻia ka ukupanee ma ka nui o nā kālā i hoʻohana ʻia. ʻIke ʻia inā e uku ʻia ka nui o ka overdraft i ka manawa.

Mālama kēia i nā uku ukupanee i hoʻohālikelike ʻia me kahi hōʻaiʻē maʻamau i lawe ʻia no kahi manawa paʻa.

Hoʻomaka nā uku ukupanee ke ʻoi aku ʻoe i kāu palena overdraft a hoʻōki koke i ka wā i uku ʻia.

Eia naʻe, ʻAʻole "anela" ka overdraft bank. Loaʻa iā ia nā hemahema.

???? ʻO nā hemahema o ka overdraft bank

I kēlā me kēia manawa e pōmaikaʻi ai ʻoe mai kahi overdraft bank, e haʻi iā ʻoe iho:

➤ Hiki ke kiʻekiʻe loa ka uku panee

He kumukūʻai ko ke keʻena overdraft. I kekahi manawa ʻoi aku ka kiʻekiʻe o kēia kumukūʻai ma mua o nā kumu kālā ʻē aʻe. No laila he mea nui e nīnau i nā kūlana panakō o kāu panakō ma mua o ka noi ʻana i kahi overdraft.

➤ Hiki iā ʻoe ke hōʻemi i ka nui o nā overdrafts

ʻO ke keʻena overdraft he hōʻaiʻē pōkole e nānā mau ʻia e ka panakō. No laila, e holo ana ka pilikia o ka emi ʻana o ka helu o nā withdrawals.

Ma muli paha o ka maikaʻi ʻole o ka ʻoihana a i ʻole ke ʻano maikaʻi ʻole o ka mea mālama moʻokāki.

➤ Hiki iā ʻoe ke hopu

Hiki ke hoʻopaʻa ʻia ke keʻena overdraft i kekahi manawa e kūʻē i nā kumulāʻau a i ʻole nā ​​​​collateral ʻē aʻe e like me nā ʻāpana etc. Hiki i ka hui ke holo i ka pilikia o ka hopu ʻia ʻana o kēia mau waiwai inā ʻaʻole ia e hoʻokō i nā uku.

➤ Hiki ke lohi ka hōʻiliʻili aie

I kekahi manawa, ʻo ka loaʻa ʻana o kahi keʻena overdraft hiki ke hōʻemi i ka ʻoihana i ka ʻohi ʻana i nā uku mai ka poʻe ʻaiʻē.

I nā huaʻōlelo ʻē aʻe, ʻaʻole nui ka manaʻo o kahi ʻoihana e hōʻiliʻili i nā uku mai kāna poʻe ʻaiʻē, no ka mea, hiki ke mālama ʻia nā kahe o ka uku koke e kahi keʻena overdraft.

???? Hōʻuluʻulu…

ʻO ka overdraft panakō he palena ʻē aʻe e hiki ai iā ʻoe ke pōmaikaʻi mai ka pili ʻana i kāu koena panakō. Hiki iā ʻoe ke hoʻokō i nā kālepa ʻoiai ʻaʻole lawa kāu koena panakō.

Eia naʻe, hiki iā ia ke alakaʻi i nā kumukūʻai inā ʻaʻole ʻoe e haku. Ua hōʻike aku kēia alakaʻi iā ʻoe i nā uku like ʻole e pili ana i kēia lawelawe āu e kau ai.

I kēia manawa ua mākaukau ʻoe e hoʻokele maikaʻi i kāu overdraft panakō. Inā he hopohopo kāu, e ʻoluʻolu e waiho iaʻu i kahi manaʻo.

Ma mua o kou haʻalele ʻana, eia kahi aʻo e aʻo ai iā ʻoe pehea e kūʻai aku ai i ka ʻōlelo aʻo ma ka pūnaewele. Kaomi ma aneʻi e kūʻai.

E hele no ia