Zvese zvaunoda kuti uzive nezve bank overdraft

Vanhu vazhinji havanzwisise mashandiro anoita mari yekubhanga. Muchokwadi, iyo bhangi overdraft mukana unopihwa nemabhangi kune vatengi vavo kuitira kuti vabvumidze kushandisa mari yakawanda kupfuura yavanayo muakaundi yavo.

Iyi sevhisi haisi yemahara, inobhadhara mari. Iyi margin inoshanda sechikwereti chebhangi ndechekuti inobereka mhindu. Mugwaro iri, ini ndinokuratidza maitiro ekugadzirisa mari yako yekubhangi kuitira kuti udzivise mamwe mabhengi asina basa.

Asi usati watanga, heino kudzidziswa kunokubvumira kuti uite kuwana 1000euros/Zuva pa5euros.com. Dzvanya pano kuti uitenge

???? Chii chinonzi overdraft yebhangi?

A overdraft yebhangi mutsara wechikwereti unovhara kutengeserana kwako kana bhangi rebhangi account yako rikawira pasi pe zero. Uyu mutsara usina kuchengetedzwa wechikwereti wakagadzirirwa kuvhara pfupi-pfupi yekubuda kwemari kuperevedza.

Overdrafts inobatsira kana iwe uchida kunyatso gadzirisa zvakajairwa kuyerera kwemari mamiriro.

Semuenzaniso, uri muchitoro uye unoda kutenga mari ye80 euros uye mari yako haina kukwana negumi euros. Chii chichaitika?

Bhangi rinobvumidza kutenga kwako uye funga kuti une chikwereti kwavari $10. Mune mamwe mazwi, une overdraft yegumi euros kuaccount yako.

Kana iyi mari yeoverdraft ikasarongwa pachine nguva, mabhanga anochaja iyo inozivikanwa se'account overdraft fee'. Saka, kune marudzi akati wandei emabhangi overdrafts.

???? Mhando dzebhangi overdraft

Mhando mbiri dzemabhangi overdrafts dziripo kwauri: dzakabvumidzwa overdraft uye overdraft isina kutenderwa.

➤ Authorized overdrafts

Kuwedzerwa kwemvumo kwakabvumidzwa kunorongwa pachine nguva nebhangi. Saka ivo vanonziwo "zvakarongwa" overdrafts. Unobvumirana nebhangi rako pamuganho we overdraft waunofanira kuremekedza. Bhengi rako richakubhadharisa mubereko uye dzimwe nguva mamwe mafizi pamusoro pazvo.

➤ Kuwedzerwa mari zvisina mvumo

Izvo zvinonziwo "zvisina kurongwa" kana "zvisina kurongeka" overdraft. Zvinoitika kana iwe ukashandisa mari yakawanda kupfuura yaunayo muakaundi yako yebhangi pasina kupihwa mvumo. Izvi zvinosanganisira kudarika muganhu we overdraft yakatenderwa.

???? Bank overdraft fees

Mari dzinowanzochajwa mubhangi overdraft idzo dzinongonzi overdraft charges. Zvinoitika pese kana bhangi rabvumidza kutengeserana kunodarika yako yaunowana.

Kazhinji, mabhanga haabhadharise mari yeoverdraft kana iwe uine overdraft isingasviki madhora mashanu. Pakasiyana, kune 5 marudzi emubhadharo ane hukama nebhangi overdraft.

➤ Mari isingakwane mari (NSF).

Mhosva dzeNSF dzinoitika pese bhanga parinosarudza kukunyima overdraft. Anenge ese mabhanga anobhadharisa mari yakaenzana kune overdraft uye mubhadharo weFNS. Ose ari maviri anowanzo kubhadhariswa semari imwe chete muhurongwa hwako hwekubhadhara.

Sezvo bhanga richifanira kusarudza pakati pekubvumidza nekuramba mari yakawandisa, imwe overdraft inokubhadhara iwe mari yeoverdraft kana FNS mubhadharo, asi kwete zvese zviri zviviri. Zvisinei, mabhanga mashomanana anosiyanisa pakati pemari mbiri pakuverenga huwandu hwezuva nezuva.

➤ Mari yekudzivirira overdraft

Mari yekudzivirira yeOverdraft inobhadhariswa pese apo bhangi parinoronga kutamisa kubva kune imwe maakaundi ako kuvhara overdraft. Nhoroondo iyi inowanzova a savings account. Mari idzi dzinonziwo muripo weoverdraft.

Zviri pamutemo, mabhangi haakwanise kusanganisira kuchengetedzwa kweoverdraft seyo otomatiki account sevhisi. Saka vatengi vanofanirwa kusarudza kuti voita here kana kuti kwete.

Banks online kazhinji kupa mahara overdraft dziviriro. Asi kana iwe uri kubhangi rakajairwa, unogona kutarisira kubhadhara pakati $10 uye $12,50 per transfer.

Kunyange izvi zvichikuchengetera mari kana zvichienzaniswa nekubhadhara mari ye overdraft kana yeNSF, kana mutemo webhanga usingasanganisire zviziviso zvewawadhivha yega yega, unogona kupedzisira wapedza mari yako yawakachengeta kuti uzive zviri kuitika.

➤ Mari yakawedzerwa ye overdraft

Muripo wekupedzisira mune arsenal yezvirango zve overdraft ndiyo yakawedzerwa muripo we overdraft. Mari idzi dzimwe nguva dzinonzi dzakawedzerwa mubhadharo weoverdraft kana kuti yakawedzerwa overdraft balance fees.

Ivo vanouya kuzotamba kana iwe ukasiya account yako yakashata kune imwe nhamba yemazuva. Uye ndizvo zvakaita vanhu vakawanda zvakafanana.

Nyaya yekuverenga: Muongorori wezvemari anoita sei?

Muzviitiko zvakawanda, une mazuva mashanu ekushanda kana mazuva manomwe ekarenda kuti ugadzirise bharari yako usati wawedzera mari yekubhadhara mari inoisa account yako mukati mehutsvuku. Saka chenjera kwazvo nekuenzanisa kwako.

Mamwe mabhanga anobhadharisa mari iyi kamwe chete pamazuva mashanu. Vamwe vanoenda kusvika pakuongorora machaji zuva rega rega kusvika waunza sare yako pamusoro pe zero. Huwandu hwepamusoro hwekuchajiswa kwe overdraft yaunokwanisa kuunza inosiyana nebhangi.

Nekudaro, kune matekiniki ekudzikamisa kana kudzivirira aya mafizi. Ndakatsanangura mune chimwe chezvinyorwa zvangu nzira yekudzivirira imwe mari yebhangi mune zvese uye kubhengi overdraft charges kunyanya. Dzvanya pano pa co kunzvenga mari dzebhangi dzakakwira?

Kunze kweizvozvo, heano matipi angu semubhadhari wemari kuti utore zvirinani mari yako yebhangi.

???? Mazano angu ekudzora overdraft yako yebhangi

Sezvandambotaura pakutanga kwechinyorwa chino, kutadza kutonga kwebhangi overdraft kunogona kutungamirira kumari zhinji kune ane account. Heano matipi angu ekugadzirisa zvirinani kubhanga kwako overdraft.

➤ Ramba wakatarisa pane yako account balance

Zvinogona kuita sezviri pachena, asi kuchengeta chiyero cheakaundi yako ndiyo imwe yenzira dzakanakisa dzekudzivirira muripo weoverdraft.

Ita kuti zvive nyore sezvinobvira ne:

• Kudhaunirodha app yebhangi rako pafoni yako
• Kuseta zviziviso zvemavara kana bhari yako yakadzikira
• Kushandisa foni banking.

➤ Ramba uchiverenga tsamba kubva kubhangi rako

Zviri nyore kupinda mutsika yekusavhura tsamba kubva kubhangi uye uchifunga kuti ingori tsamba dzenguva dzose.

Zvakakosha kutarisa mabhii ese sezvo bhanga richikwanisa kukunyorera richikuzivisa nezvekuchinja kwemutero wako we overdraft kana kuwedzera kwemhindu yako ye overdraft.

➤ Shandisa mari yaunenge uine

Kana uine mari yaunenge wachengeta pamwe chete neoverdraft, zvinozokudyira zvishoma nekufamba kwenguva kushandisa mari yako yawakachengeta kuibhadhara. Kana iwe ukazowana mutengo usingatarisirwi, unogona kugara uchishandisa overdraft yako kuibhadhara. Uye kana ukasadaro, unogona kutanga kuvaka mari yako yawakachengeta zvakare, saka wakagadzirira mari iyoyo isingatarisirwi.

➤ Tsvaga nzira dzekugara pane bhajeti

Kuti uderedze overdraft yako nekukurumidza sezvinobvira, kuderedza kune dzimwe nzvimbo kuchakubatsira kusunungura imwe mari. Mari yaunochengeta inogona kushandiswa kubhadhara overdraft yako.

➤ Change bank

Chinja kuakaundi yebhangi ine muripo wakaderera we overdraft. Kana ukanyura mumari yako yakawandisa, tenga iyo ine mari yakaderera. Iwe unogona kutokwanisa kushandura kuaccount ine switching bonus, izvo zvinozobatsira kubvisa overdraft yako.

???? Zvakanakira kubhangi overdraft

Mabhenefiti akati wandei akabatana nekushandisa kubhangi overdraft. Mundima ino ndinopa zvimwe zvacho kwamuri. The bank overdraft inokubvumira kuti:

➤ Kugadzirisa nguva yekusawirirana kwemari inoyerera

Kuwedzerwa kwebhangi kunowanzo kuve kwakanakira mabhizinesi ane mari yakawanda inoyerera munguva yakatarwa. Kuwedzerwa mari kunogona kubatsira kugadzirisa zvakare kutenderera kwekusvetuka kwemari inopinda uye kubuda.

Nyaya yekuverenga: Matanho ehurongwa hweprojekiti hunovimbisa kubudirira kweprojekiti

Mune mamwe mazwi, kana kutengesa uye kutenga kunokonzera mari inoyerera ichipinda uye ichibuda kakawanda mukati mevhiki / mwedzi; iyo overdraft nzvimbo inoita kuti zvikwanise kugadzirisa kusawirirana kwemari kunogona kumuka nekuda kwekunonoka kwenguva.

➤ Batsira kuchengeta pepa rakanaka

Kana cheki yakanyorwa zvichibva pane imwe mari inogamuchirwa, uye kana ikanonoka, cheki haibviri nekuda kwekushaya mari yakakwana. Naizvozvo, iyo overdraft nzvimbo inobvumira nhoroondo yekubhadhara iri nani.

➤ Ita mari nenguva

Inovimbisawo kubhadhara panguva uye inodzivirira zvirango zvekunonoka sezvo mubhadharo uchigona kuitwa kunyangwe mari yeakaundi isina kukwana.

➤ Dzivisa mapepa

Zvinoda mapepa mashoma angangodiwa muzvikwereti zvenguva refu nekuti overdraft iri nyore kushandisa.

➤ Batsirwa kubva kuchinjika

Iyo overdraft inewo mukana wekuchinjika. Inogona kutorwa chero nguva, kune chero mari (kusvika kumuganhu wakagoverwa), uye kunyange kwepasi pezuva rimwe kana maviri.

➤ Batsirwa nemitengo yakaderera yemubereko

Mbereko inoverengwa chete pahuwandu hwemari inoshandiswa. Zviripachena kana mari yeoverdraft ichidzoserwa nenguva.

Izvi zvinochengetedza mari yemubereko zvichienzaniswa nechikwereti chakajairika chinotorwa kwenguva yakatarwa.

Mari dzemubereko dzinotanga kana wadarika muganho wako we overdraft womira ipapo kana wabhadharwa.

Zvisinei, iyo bank overdraft haisi "ngirozi". Izvo zvinewo zvinokanganisa.

???? Izvo zvakashata zvebhangi overdraft

Pese paunobatsirwa kubva kubhangi overdraft, zviudze kuti:

➤ Mari yemubereko inogona kukwira zvakanyanya

Iyo overdraft nzvimbo ine mutengo. Dzimwe nguva mari iyi yakakwira kupfuura yemamwe masosi emari. Saka zvakakosha kuti utarise mamiriro ebhangi ebhangi rako usati wakumbira overdraft.

➤ Iwe uri panjodzi yekudzikisa kuwanda kwe overdraft

The overdraft facility ichikwereti chenguva pfupi chinogara chichiongororwa nebhanga. Nekuda kweizvozvo, inomhanyisa njodzi yekudzikira kwenhamba yekubvisa.

Kudzikiswa uku kunogona kunge kuri nekuda kwekusashanda zvakanaka kwekambani kana maitiro akaipa emubati weakaundi.

➤ Uri panjodzi yekubata

Iyo bhengi overdraft nzvimbo inogona dzimwe nguva kuvharirwa pamasheya kana zvimwe zvibatiso zvakaita semasheya nezvimwe. Kambani inogona kuita njodzi yekuti zvinhu izvi zvitorwe kana ikatadza kuzadzisa mubhadharo.

➤ Kuunganidza kwechikwereti kunogona kuita husimbe

Dzimwe nguva kuvapo kwenzvimbo yeoverdraft kunogona kuita kuti kambani isaomerwe mukutora mari kubva kune vane chikwereti.

Mune mamwe mazwi, bhizinesi rinogona kunge risina zvakawanda zvinokurudzira kuunganidza mari kubva kune vane chikwereti chayo, sezvo mari yekubhadhara pakarepo inobuda inogona kubatwa neve overdraft nzvimbo.

???? Pfupiso…

Mari yebhangi yakawedzerwa mari yekuwedzera yaunogona kubatsirwa nayo maererano nebhangi rako. Zvinokutendera kuti uite zvekutengesa kunyangwe bhangi rako risingakwane.

Nekudaro, zvinogona kutungamira kumitengo kana ukasazvigona. Gwaro rino rakupa miripo yese yakasiyana ine chekuita nesevhisi iyi yaungave uri pasi payo.

Iwe zvino wakashongedzerwa kubata zvirinani kubhanga kwako overdraft. Kana mune chero chirikunetsa, saka inzwa wakasununguka kundisiira mhinduro.

Usati waenda, heino dzidziso inokudzidzisa kutengesa mazano paInternet. Dzvanya pano kuti uitenge.

Enda zvako