Konke malunga ne-ovadrafti yebhanki

Abantu abaninzi abayiqondi indlela ii-ovadrafti zebhanki ezisebenza ngayo. Ngapha koko, i-ovadrafti yebhanki yinto enokwenzeka enikezelwa ziibhanki kubathengi bazo ukuze zibavumele ukuba bachithe ngaphezulu kunabo banayo kwiakhawunti yabo.

Le nkonzo ayihlawulelwa, ithwala iindleko. Lo mda usebenza njengemali-mboleko yebhanki kukuba ivelisa inzala. Kwesi sikhokelo, ndikubonisa indlela yokulawula imali egqithisiweyo ebhankini yakho ukuze unqande ezinye iintlawulo ezingeyomfuneko zebhanki.

Kodwa ngaphambi kokuba uqale, nalu uqeqesho olukuvumela ukuba wenze fumana i-1000euros / Usuku kwi-5euros.com. Cofa apha ukuze uyithenge

???? Yintoni i-ovadrafti yebhanki?

I-ovadrafti yebhanki ngumgca wetyala oquka intengiselwano yakho ukuba ibhalansi ye-akhawunti yakho yebhanki iwela ngaphantsi kwe-zero. Lo mgca wetyala ungakhuselekanga uyilelwe ukuhlawula iintsilelo zokuhamba kwemali kwexesha elifutshane.

Ii-ovadrafti ziluncedo xa kufuneka ulawule ngokuqhubekayo iimeko zokungena kwemali eqhelekileyo.

Ngokomzekelo, usevenkileni kwaye ufuna ukuthenga ngexabiso le-euro ezingama-80 kwaye ibhalansi yakho ayanelanga nge-euro ezili-10. Kuza kwenzeka ntoni ?

Ibhanki iya kugunyazisa ukuthenga kwakho kwaye ucinge ukuba ubatyala i-10 yeedola. Ngamanye amazwi, une-overdraft ye-10 ye-euro kwiakhawunti yakho.

Xa olu ncedo lwe-ovadrafti lungalungiselelwanga kwangaphambili, iibhanki zihlawulisa oko kwaziwa ngokuba 'yimali ye-akhawunti ye-ovadrafti'. Ngoko ke, kukho iintlobo ezininzi zee-ovadrafti zebhanki.

???? Iintlobo ze-ovadrafti yebhanki

Zimbini iintlobo zee-ovadrafti zebhanki ezifumanekayo kuwe: ii-ovadrafti ezigunyazisiweyo kunye ne-ovadrafti engagunyaziswanga.

➤ Ii-ovadrafti ezigunyazisiweyo

Ii-ovadrafti ezigunyazisiweyo zilungiselelwe kwangaphambili nebhanki. Ke ngoko zikwabizwa ngokuba zii-ovadrafti “ezicwangcisiweyo”. Uyavumelana nebhanki yakho ngomda we-ovadrafti ekufuneka uyihloniphe. Ibhanki yakho iya kukuhlawulisa inzala kwaye ngamanye amaxesha ezinye iintlawulo ngaphezulu koko.

➤ Ii-ovadrafti ezingagunyaziswanga

Zikwabizwa ngokuba zii-ovadrafti “ezingacwangciswanga” okanye “ezingacwangciswanga”. Zenzeka xa uchitha ngaphezulu kunaleyo unayo kwiakhawunti yakho yebhanki ngaphandle kwemvume yangaphambili. Oku kuquka ukugqithwa komda we-ovadrafti egunyazisiweyo.

???? Imirhumo ye-ovadrafti yebhanki

Ezona ntlawulo zixhaphakileyo kwi-ovadrafti yebhanki ziintlawulo ezibizwa ngokuba yi-overdraft. Zenzeka nanini na ibhanki ivuma intengiselwano engaphezulu kwebhalansi yakho ekhoyo.

Ngokubanzi, iibhanki azihlawulisi mali ye-ovadrafti xa une-overdraft engaphantsi kwe-5 yeedola. Ngokubanzi, kukho iintlobo ezi-4 zeentlawulo ezinxulumene ne-ovadrafti yebhanki.

➤ Iintlawulo zeeNgxowa-mali ezingonelanga (NSF).

Iintlawulo ze-NSF zenzeka nanini na xa ibhanki ikhetha ukwala ukuba u-ovadrafti. Phantse zonke iibhanki zihlawulisa isixa esifanayo kwii-ovadrafti kunye nemirhumo ye-FNS. Zombini zihlala zihlawuliswa njengesixa esinye kwishedyuli yakho yomrhumo.

Kuba ibhanki kufuneka ikhethe phakathi kokuvuma kunye nokukhaba i-ovadrafti enye iya kukubiza imirhumo ye-ovadrafti okanye imirhumo ye-FNS, kodwa asoze zombini. Nangona kunjalo, iibhanki ezimbalwa ziyahlula phakathi kweentlawulo ezimbini xa zibala ubuninzi bemihla ngemihla.

➤ Imirhumo yokukhusela i-Ovadrafti

Imirhumo yokhuseleko lwe-ovadrafti ihlawuliswa ngalo lonke ixesha ibhanki ilungiselela ukutshintshelwa kwenye iakhawunti yakho ukuze ihlawule i-ovadrafti. Le akhawunti idla ngokuba yi-a i-akhawunti yokugcina. Ezi ntlawulo zikwabizwa ngokuba yi-overdraft fees.

Ngokomthetho, iibhanki azinakubandakanya ukhuseleko lwe-ovadrafti njengenkonzo ye-akhawunti ezenzekelayo. Abathengi ke ngoko kufuneka bakhethe ukuba bayalusebenzisa okanye bangaluvuli olu phawu.

Amabhanki kwi-intanethi zihlala zibonelela ngokhuseleko lwasimahla lwe-overdraft. Kodwa ukuba ukwibhanki eqhelekileyo, unokulindela ukuhlawula phakathi $ 10 kunye $ 12,50 transfer ngalinye.

Nangona oku kunokukongela imali xa kuthelekiswa nokuhlawula imali engaphaya kwe-ovadrafti okanye imirhumo ye-NSF, ukuba umgaqo-nkqubo webhanki awubandakanyi izaziso ezisisinyanzelo ngokhutshelo ngalunye lwe-ovadrafti, ungagqibela ngokuphelisa imali oyongile ngaphambili ukuze uqonde okwenzekayo.

➤ Imirhumo eyandisiweyo ye-ovadrafti

Umrhumo wokugqibela kuluhlu lwezohlwayo ze-ovadrafti yintlawulo eyandisiweyo ye-ovadrafti. Le mirhumo maxa wambi ibhekiswa kuyo njengemirhumo eyandisiweyo ye-ovadrafti okanye imirhumo eyandisiweyo yebhalansi ye-overdraft.

Ziya kudlala xa ushiya ibhalansi yeakhawunti yakho ingalunganga kangangenani elithile leentsuku. Yaye yiloo nto abantu abaninzi abafana ngayo.

Inqaku eliza kufundwa: Wenza ntoni umhlalutyi wezezimali?

Kwiimeko ezininzi, uneentsuku ezi-5 zokusebenza okanye iintsuku zekhalenda ezisi-7 zokulungisa ibhalansi yakho ngaphambi kokuba i-ovadrafti imali eyandisiweyo ibeke iakhawunti yakho nzulu ngakumbi kubomvu. Ngoko qaphela kakhulu ngokulinganisela kwakho.

Ezinye iibhanki zihlawulisa le mali kanye ngeentsuku ezi-5. Abanye baya kufikelela ekuvavanyeni iintlawulo mihla le de uzise ibhalansi yakho ngaphezulu kweqanda. Elona nani liphezulu leentlawulo ezandisiweyo ze-ovadrafti onokuzifumana liyahluka ngokwebhanki.

Nangona kunjalo, kukho iindlela zokukhawulela okanye ukuphepha ezi ntlawulo. Ndachaza kwelinye lamanqaku am indlela yokuphepha iintlawulo ezithile zebhanki ngokubanzi kunye neentlawulo ze-ovadraft zebhanki ngokukodwa. Cofa apha ku-cukuphepha iintlawulo eziphezulu zebhanki?

Ngaphandle koko, nanga amacebiso am njengomxhasi-mali wokulawula ngcono ukukhutshwa kwe-ovadrafti ebhankini yakho.

???? Iingcebiso zam zokulawula i-ovadrafti yebhanki yakho

Njengoko benditshilo ekuqaleni kweli nqaku, ukuphathwa kakubi kwe-ovadraft yebhanki kunokukhokelela kwimirhumo ephezulu kumnini-akhawunti. Nanga amacebiso am okulawula ngcono i-ovadrafti yebhanki yakho.

➤ Gcina iliso kwibhalansi yeakhawunti yakho

Kungabonakala kucacile, kodwa ukugcina umkhondo webhalansi yeakhawunti yakho yenye yeendlela ezilungileyo zokuthintela imirhumo ye-ovadrafti.

Yenze ibelula kangangoko ngoku:

• Ikhuphela i-app yebhanki yakho kwifowuni yakho
• Ukumisela izilumkiso zesicatshulwa xa ibhalansi yakho iphantsi
• Ukusebenzisa ibhanki yefowuni.

➤ Qhubeka ufunda iileta ezivela kwibhanki yakho

Kulula ukungena kumkhwa wokungavuli iileta ezivela ebhankini kwaye ucinge ukuba yimbalelwano yesiqhelo.

Kubalulekile ukujonga zonke iileta kuba ibhanki inokubhalela ikwazise ngotshintsho kumlinganiselo obekiweyo we-overdraft okanye ukonyuka kwenzala yakho ye-overdraft.

➤ Sebenzisa ugcino ukuba unayo

Ukuba unogcino kunye ne-ovadrafti, kuya kukubiza kancinci ekuhambeni kwexesha ukusebenzisa imali oyongile ukuyihlawula. Ukuba emva koko ufumana ixabiso elingalindelekanga, ungasoloko usebenzisa i-ovadrafti yakho ukuyihlawula. Kwaye ukuba awenzi njalo, ungaqala ukwakha ugcino lwakho kwakhona, ukuze ulungele loo nkcitho ubungayilindelanga.

➤ Fumana iindlela zokuphila kuqingqo-mali

Ukunciphisa i-ovadrafti yakho ngokukhawuleza kangangoko kunokwenzeka, ukunciphisa kwezinye iindawo kuya kukunceda ukhulule imali ethile. Imali oyilondolozileyo ingasetyenziselwa ukuhlawula i-ovadrafti yakho.

➤ Tshintsha ibhanki

Tshintshela kwiakhawunti yebhanki enemirhumo ephantsi ye-ovadrafti. Ukuba uthi nkxu kwi-ovadrafti yakho rhoqo, thenga leyo ineendleko eziphantsi. Ungade ukwazi ukutshintshela kwiakhawunti ngebhonasi yokutshintsha, eya kunceda ukucima i-overdraft yakho.

???? Iinzuzo ze-ovadrafti yebhanki

Iinzuzo ezininzi zinxulunyaniswa nokusebenzisa i-ovadraft yebhanki. Kulo mhlathi ndibonisa ezinye zazo kuwe. I-ovadrafti yebhanki ikuvumela ukuba:

➤ Ukulawula ukungalingani kwexesha lokuhamba kwemali

I-ovadrafti yebhanki ngokuqhelekileyo yeyona ilungileyo kumashishini anengeniso enkulu yemali ngexesha elinikiweyo. I-ovadrafti inokunceda ukuseta ngokutsha umjikelo wokutsitywa kwemali engenayo nokuphumayo.

Inqaku eliza kufundwa: Izigaba zesicwangciso seprojekthi esiqinisekisa impumelelo yeprojekthi

Ngamanye amazwi, ukuba ukuthengisa kunye nokuthenga kubangela ukuba imali ingene kwaye iphume ngamaxesha amaninzi ngeveki / ngenyanga; isibonelelo se-ovadrafti senza kube nokwenzeka ukulawula iiyantlukwano zemali ezinokuthi zivele ngenxa yokusilela kwexesha.

➤ Nceda ugcine ibhalansi elungileyo

Ukuba itshekhi yabhalwa ngokusekelwe kwimali ethile efunyenweyo, kwaye ukuba ilibazisekile, itshekhi ayiqhubi ngenxa yokungonelanga kwemali. Ke ngoko, isibonelelo se-ovadrafti sivumela imbali yokuhlawula engcono.

➤ Yenza iintlawulo ngexesha

Ikwaqinisekisa iintlawulo zangexesha kwaye inqanda izohlwayo emva kwexesha njengoko iintlawulo zinokwenziwa nokuba ibhalansi ye-akhawunti ayonelanga.

➤ Kuphephe ukwenza amaphepha

Ifuna amaphepha amancinci anokuthi afuneke kwimali-mboleko yexesha elide kuba kulula ukuyisebenzisa.

➤ Zuza ekubeni bhetyebhetye

I-ovadrafti nayo inenzuzo yokuba bhetyebhetye. Inokuthi ithathwe nanini na, kuyo nayiphi na imali (ukuya kumda owabelwe), kwaye nangaphantsi kweentsuku ezimbini okanye ezimbini.

➤ Zuza kwintlawulo yenzala ephantsi

Inzala ibalwa kuphela kwisixa-mali esisetyenzisiweyo. Ngokucacileyo ukuba isixa-mali se-ovadrafti sibuyiswa kwangexesha.

Oku konga kwiintlawuliso zenzala xa kuthelekiswa nemali mboleko eqhelekileyo ethatyathwe ixesha elimiselweyo.

Imirhumo yenzala iqala xa ugqithise kwi-ovadrafti yakho kwaye uyeke ngoko nangoko xa uhlawulwe.

kunjalo, I-ovadraft yebhanki ayikho "ingelosi". Kananjalo inezithintelo.

???? Ukungalungi kwe-ovadrafti yebhanki

Ngalo lonke ixesha uzuza kwi-ovadraft yebhanki, zixelele ukuba:

➤ Inzala inokuba phezulu kakhulu

Isibonelelo se-ovadrafti sineendleko. Ngamanye amaxesha ezi ndleko ziba phezulu kunezinye iindawo zenkxaso-mali. Kubalulekile ke ngoko ukuba ujongane nemiqathango yebhanki yebhanki yakho phambi kokuba ucele i-ovadrafti.

➤ Usengozini yokunciphisa inani le-ovadrafti

Isibonelelo se-ovadrafti yimali-mboleko yethutyana ejongwa rhoqo yibhanki. Ngenxa yoko, iqhuba umngcipheko wokuhla kwenani lokurhoxiswa.

Oku kuncitshiswa kusenokuba ngenxa yokusebenza kakubi kwenkampani okanye ukuziphatha kakubi komnini-akhawunti.

➤ Uzibeka esichengeni sokuhlutha

Isibonelelo se-ovadrafti yebhanki ngamanye amaxesha singabambisana nesitokhwe okanye esinye isibambiso esifana nezabelo njl.njl. Inkampani inokubeka emngciphekweni wokuba ezi asethi zithathwe ukuba iyasilela ukuhlangabezana neentlawulo.

➤ Ukuqokelelwa kwabanamatyala kunokonqena

Ngamanye amaxesha ubukho boncedo lwe-ovadrafti kunokwenza ukuba inkampani ingabi ngqongqo ekuqokeleleni iintlawulo kubatyalwayo.

Ngamanye amazwi, ishishini lisenokungabi nalo inkuthazo ingako yokuqokelela iintlawulo kubatyali balo, njengoko ukuphuma kwentlawulo ekhawulezileyo kunokusingathwa luncedo lwe-ovadrafti.

???? Isishwankathelo...

I-ovadrafti yebhanki ngumda owongezelelweyo onokuzuza kuwo ngokunxulumene nebhalansi yebhanki yakho. Ikuvumela ukuba wenze iintengiselwano nokuba ibhalansi yebhanki yakho ingonelanga.

Nangona kunjalo, kunokukhokelela kwiindleko ukuba awuyazi kakuhle. Esi sikhokelo sikubonise zonke iintlawulo ezahlukeneyo ezinxulumene nale nkonzo onokuthi ube phantsi kwazo.

Ngoku ukuxhotyiselwe ukulawula ngcono i-ovadrafti yakho yebhanki. Ukuba unayo nayiphi na inkxalabo, ngoko zive ukhululekile ukundishiya uluvo.

Ngaphambi kokuba uhambe, nalu uqeqesho olukufundisayo indlela yokuthengisa iingcebiso kwi-intanethi. Cofa apha ukuze uyithenge.

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