Zonse zokhudza bank overdraft

Anthu ambiri samamvetsetsa momwe ndalama za banki zimagwirira ntchito. M'malo mwake, kubweza kwa banki ndi mwayi woperekedwa ndi mabanki kwa makasitomala awo kuti awalole kuwononga ndalama zambiri kuposa zomwe ali nazo muakaunti yawo.

Ntchitoyi si yaulere, imakhala ndi ndalama. Malire awa amagwira ntchito ngati ngongole kubanki ndikuti imakhala ndi chiwongola dzanja. Mu bukhuli, ndikuwonetsani momwe mungasamalire ndalama zomwe mumapeza kubanki kuti mupewe ndalama zina zosafunikira kubanki.

Koma musanayambe, apa pali maphunziro omwe amakulolani kutero Pezani 1000euros/Tsiku pa 5euros.com. Dinani apa kuti mugule

???? Kodi bank overdraft ndi chiyani?

Kubwereketsa ndalama ku banki ndi ngongole yomwe imakhudza zomwe mwachita ngati ndalama zanu za banki zitsika pansi pa ziro. Mzere wangongole wopanda chitetezowu wapangidwa kuti ukwaniritse kuchepa kwa ndalama kwakanthawi kochepa.

Ma overdrafts ndi othandiza ngati mukuyenera kuyang'anira bwino momwe ndalama zimayendera.

Mwachitsanzo, muli m'sitolo ndipo mukufuna kugula ndalama zokwana 80 euro ndipo ndalama zanu sizikukwanira 10 euro. Kodi chiti chichitike ndi chiyani?

Banki idzavomereza kugula kwanu ndikuganiza kuti muli ndi ngongole ya $ 10. Mwanjira ina, muli ndi overdraft ya 10 euro pa akaunti yanu.

Ngati ndalama za overdraft sizinakonzedwe pasadakhale, mabanki amalipiritsa zomwe zimadziwika kuti 'account overdraft fee'. Choncho, pali mitundu ingapo ya overdrafts banki.

???? Mitundu ya overdraft banki

Mitundu iwiri ya overdrafts kubanki ikupezeka kwa inu: overdraft ovomerezeka ndi overdraft osaloledwa.

➤ Ma overdrafts ololedwa

Ma overdraft ovomerezeka amakonzedwa pasadakhale ndi banki. Chifukwa chake amatchedwanso "okonzekera" overdrafts. Mukugwirizana ndi banki yanu pa malire a overdraft omwe muyenera kulemekeza. Banki yanu imakulipirani chiwongola dzanja ndipo nthawi zina ndalama zina pamwamba pake.

➤ Kuchulukitsa kosaloledwa

Amatchedwanso "osakonzekera" kapena "osakonzekera" overdrafts. Zimachitika mukawononga ndalama zambiri kuposa zomwe muli nazo muakaunti yanu yakubanki popanda kuvomereza. Izi zikuphatikizapo kupitirira malire a overdraft yovomerezeka.

???? Ndalama za overdraft banki

Zolipiritsa zodziwika kwambiri mu overdraft ya banki ndizomwe zimangotchulidwa kuti overdraft. Zimachitika nthawi iliyonse banki ikavomereza kuchitapo kanthu kopitilira ndalama zomwe muli nazo.

Nthawi zambiri, mabanki samalipira chindapusa cha overdraft mukakhala ndi overdraft yochepera $5. Mwambiri, pali mitundu inayi ya chindapusa yokhudzana ndi kubweza ngongole kubanki.

➤ Ndalama Zosakwanira (NSF).

Zolipiritsa za NSF zimachitika nthawi iliyonse banki ikasankha kukukanani ku overdraft. Pafupifupi mabanki onse amalipiritsa ndalama zofanana pa overdrafts ndi chindapusa cha FNS. Zonsezo zimalipidwa ngati ndalama imodzi pandandanda yanu yolipira.

Popeza kuti banki iyenera kusankha pakati pa kuvomereza kapena kukana kubweza ngongole, kubweza kamodzi kokha kudzakuwonongerani ndalama za overdraft kapena FNS, koma osati zonse ziwiri. Komabe, mabanki ochepa amasiyanitsa ndalama ziwirizi powerengera kuchuluka kwa tsiku ndi tsiku.

➤ Malipiro a chitetezo cha overdraft

Ndalama zachitetezo cha overdraft zimaperekedwa nthawi iliyonse kubanki ikakonza kusamutsidwa kuchokera ku akaunti yanu ina kuti mulipire ndalamazo. Nkhaniyi nthawi zambiri imakhala a akaunti yosungirako. Ndalamazi zimatchedwanso ndalama za overdraft.

Mwalamulo, mabanki sangaphatikizepo chitetezo cha overdraft ngati ntchito yaakaunti yokha. Makasitomala ayenera kusankha kuti ayambitse kapena ayi.

Mabanki pa Intaneti nthawi zambiri amapereka chitetezo chaulere cha overdraft. Koma ngati muli kubanki yokhazikika, mutha kuyembekezera kulipira pakati $10 ndi $12,50 pa kusamutsa.

Ngakhale kuti izi zingakupulumutseni ndalama poyerekezera ndi kulipira ndalama zowonjezera kapena ndalama za NSF, ngati ndondomeko ya banki ilibe zidziwitso zovomerezeka pa kusamutsidwa kwa overdraft iliyonse, mutha kuwononga ndalama zomwe munasunga kuti muzindikire zomwe zikuchitika.

➤ Ndalama zowonjezera za overdraft

Mtengo womaliza wa zilango za overdraft ndi chiwongola dzanja chowonjezera. Ndalamazi nthawi zina zimatchedwa chiwongola dzanja cha overdraft kapena chiwongola dzanja chowonjezera.

Amalowa mumasewera mukasiya akaunti yanu kukhala yopanda pake kwa masiku angapo. Ndipo n’zimene anthu ambiri amafanana.

Nkhani yoti muwerenge: Kodi katswiri wa zachuma amachita chiyani?

Nthawi zambiri, mumakhala ndi masiku 5 ogwirira ntchito kapena masiku 7 a kalendala kuti mukonzeretu ndalama zanu zochulukirapo musanapereke ndalama zowonjezera ku akaunti yanu. Choncho samalani kwambiri ndi kulingalira kwanu.

Mabanki ena amalipira izi kamodzi pamasiku 5 aliwonse. Ena amapita kukayesa zolipiritsa tsiku lililonse mpaka mutabweretsa ndalama zanu pamwamba pa ziro. Chiwerengero chochulukira cha ndalama zowonjezera zomwe mungapange zimasiyana ndi banki.

Komabe, pali njira zochepetsera kapena kupewa izi. Ndinafotokozera mu imodzi mwa nkhani zanga momwe mungapewere ndalama zina za banki nthawi zonse komanso ndalama zowonjezera ku banki makamaka. Dinani apa pa cmomwe mungapewere ndalama zambiri kubanki?

Kupatula apo, nawa maupangiri anga ngati opereka ndalama kuti musamalire bwino ndalama zanu zakubanki.

???? Malangizo anga owongolera kubweza kwa banki yanu

Monga ndidanenera koyambirira kwa nkhaniyi, kusamalidwa bwino kwa ndalama za banki kungayambitse chindapusa chokwera kwa omwe ali ndi akaunti. Nawa maupangiri anga owongolera bwino ndalama za banki yanu.

➤ Yang'anirani ndalama za akaunti yanu

Zitha kuwoneka zomveka, koma kusunga bwino akaunti yanu ndi njira imodzi yabwino yopewera chindapusa cha overdraft.

Pangani kukhala yosavuta momwe mungathere ndi:

• Kutsitsa pulogalamu yakubanki yanu kufoni yanu
• Kukhazikitsa zidziwitso zamawu ngati ndalama zanu zachepa
• Kugwiritsa ntchito foni banki.

➤ Pitirizani kuwerenga makalata ochokera ku banki yanu

Ndikosavuta kukhala ndi chizolowezi chosatsegula makalata kuchokera ku banki ndikungoganiza kuti ndi makalata achizolowezi.

Ndikofunikira kuyang'ana makalata onse chifukwa banki ikhoza kukulemberani kukudziwitsani za kusintha kwa malire anu obweza ngongole kapena kuwonjezeka kwa chiwongoladzanja chanu cha overdraft.

➤ Gwiritsani ntchito ndalamazo ngati muli nazo

Ngati muli ndi ndalama zomwe mwasunga komanso za overdraft, zidzakutengerani ndalama zochepa m'kupita kwanthawi kuti mugwiritse ntchito ndalama zomwe mwasunga kuti mulipire. Ngati mutapeza mtengo wosayembekezereka, mutha kugwiritsa ntchito overdraft yanu nthawi zonse kulipira. Ndipo ngati simutero, mukhoza kuyambanso kusunga ndalama zanu, kuti mukhale okonzekera ndalama zomwe simukuziyembekezera.

➤ Pezani njira zokhalira pa bajeti

Kuti muchepetse kubweza kwanu mwachangu, kuchepetsa m'malo ena kudzakuthandizani kumasula ndalama. Ndalama zomwe mumasunga zitha kugwiritsidwa ntchito kulipira overdraft yanu.

➤ Sinthani banki

Pitani ku akaunti yakubanki yokhala ndi chindapusa chocheperako. Ngati mumalowetsa mu overdraft yanu nthawi zambiri, gulani yomwe ili ndi malipiro otsika kwambiri. Mutha kusinthanso ku akaunti ndi bonasi yosinthira, zomwe zingakuthandizeni kuchotsa ndalama zanu zochulukirapo.

???? Ubwino wa banki overdraft

Ubwino wambiri umalumikizidwa ndikugwiritsa ntchito overdraft kubanki. M’ndime iyi ndikupereka zina mwa izo kwa inu. Bank overdraft imakupatsani mwayi kuti:

➤ Kuwongolera nthawi yosagwirizana ndi ndalama zomwe zikuyenda

Bank overdraft nthawi zambiri imakhala yabwino kwambiri kwa mabizinesi omwe ali ndi ndalama zambiri pakanthawi kochepa. Kubweza ngongole kungathandize kukonzanso kayendedwe ka ndalama zomwe zadumpha ndi kutuluka.

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Mwa kuyankhula kwina, ngati kugulitsa ndi kugula kumapangitsa kuti ndalama zilowe ndi kutuluka kangapo pa sabata / mwezi; ntchito ya overdraft imapangitsa kuti zitheke kuthana ndi kusagwirizana kwa ndalama zomwe zingabwere chifukwa cha kuchepa kwa nthawi.

➤ Thandizani kusunga bwino pepala

Ngati cheke inalembedwa kutengera ndalama zomwe zingapezeke, ndipo ikachedwetsedwa, chekeyo sichimadumpha chifukwa cha ndalama zosakwanira. Chifukwa chake, malo osungiramo ndalama amalola mbiri yabwino yolipira.

➤ Perekani malipiro panthawi yake

Imatsimikiziranso malipiro anthawi yake ndikupewa zilango mochedwa chifukwa malipiro amatha kuperekedwa ngakhale ndalama za akaunti sizikukwanira.

➤ Pewani kulemba

Pamafunika zolemba zochepa zomwe zimafunikira ngongole zanthawi yayitali chifukwa overdraft ndiyosavuta kugwiritsa ntchito.

➤ Pindulani ndi kusinthasintha

The overdraft imakhalanso ndi ubwino wokhala wosinthasintha. Itha kutengedwa nthawi iliyonse, pamtengo uliwonse (mpaka malire omwe aperekedwa), komanso ngakhale masiku osakwana limodzi kapena awiri.

➤ Pindulani ndi chiwongola dzanja chochepa

Chiwongoladzanja chimawerengedwa pokhapokha ndalama zomwe zimagwiritsidwa ntchito. Mwachiwonekere ngati kuchuluka kwa overdraft kubwezeredwa pa nthawi.

Izi zimapulumutsa pa chiwongola dzanja poyerekeza ndi ngongole yanthawi zonse yomwe imatengedwa kwa nthawi yokhazikika.

Ndalama za chiwongola dzanja zimayamba mukadutsa malire anu ndikusiya nthawi yomweyo mukalipidwa.

Komabe, banki overdraft si "mngelo". Ilinso ndi zovuta zake.

???? Zoyipa za bank overdraft

Nthawi iliyonse mukapindula ndi overdraft kubanki, dziuzeni kuti:

➤ Chiwongola dzanja chingakhale chokwera kwambiri

Ntchito ya overdraft ili ndi mtengo wake. Nthawi zina mtengo uwu ndi wokwera kuposa wa ndalama zina. Chifukwa chake ndikofunikira kuwona momwe mabanki aku banki yanu musanapemphe ndalama zowonjezera.

➤ Mumakhala pachiwopsezo chochepetsera kuchuluka kwa ndalama zomwe mumalipira

Malo obwereketsa ndi ngongole yakanthawi yomwe banki imawunikiridwa pafupipafupi. Chifukwa chake, zimakhala pachiwopsezo cha kuchepa kwa kuchuluka kwa zochotsa.

Kuchepetsaku kungakhale chifukwa cha kusagwira bwino ntchito kwa kampani kapena khalidwe loipa la mwini akaunti.

➤ Mutha kulanda

Malo osungira ndalama ku banki nthawi zina amatha kusungidwa motsutsana ndi masheya kapena chikole china monga magawo ndi zina. Kampaniyo ikhoza kukhala pachiwopsezo choti katunduyu alandidwe ngati ilephera kukwaniritsa zolipira.

➤ Kusonkhanitsa kwangongole kumatha kukhala kwaulesi

Nthawi zina kupezeka kwa malo osungira ndalama kungapangitse kampani kukhala yovutirapo pakutolera ndalama kwa omwe ali ndi ngongole.

Mwa kuyankhula kwina, bizinesi ikhoza kukhala ndi chilimbikitso chochuluka chopezera ndalama kuchokera kwa omwe ali ndi ngongole, chifukwa malipiro a nthawi yomweyo amatha kuthandizidwa ndi ndalama zowonjezera.

???? Chidule…

Kuwotcha kwa banki ndi malire owonjezera omwe mungapindule nawo pokhudzana ndi banki yanu. Zimakupatsani mwayi wochita malonda ngakhale ndalama zanu zakubanki sizikukwanira.

Komabe, zitha kubweretsa ndalama ngati simukuzidziwa bwino. Bukuli lakupatsirani zolipiritsa zosiyanasiyana zokhudzana ndi ntchitoyi zomwe mungakhale nazo.

Tsopano ndinu okonzeka kuwongolera bwino ndalama zanu ku banki. Ngati muli ndi nkhawa, omasuka kundisiyira ndemanga.

Musananyamuke, apa pali maphunziro omwe amakuphunzitsani momwe mungagulitsire malangizo pa intaneti. Dinani apa kuti mugule.

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