Konke mayelana ne-overdraft yasebhange

Abantu abaningi abaqondi ukuthi i-overdraft yasebhange isebenza kanjani. Eqinisweni, i-overdraft yasebhange yinto engenzeka enikezwa amabhange kumakhasimende awo ukuze abavumele ukuthi basebenzise imali engaphezu kwaleyo abanayo ku-akhawunti yabo.

Le sevisi akuyona mahhala, ithwala izindleko. Lo mkhawulo usebenza njengemali ebolekiwe yasebhange ukuthi inenzalo. Kulo mhlahlandlela, ngikukhombisa ukuthi ungaphatha kanjani imali ekhokhwayo yasebhange ukuze ugweme ezinye izindleko ezingadingekile zasebhange.

Kodwa ngaphambi kokuba uqale, nansi ukuqeqeshwa okukuvumela ukuba wenze kanjalo zuza i-1000euros/Ngosuku ku-5euros.com. Chofoza lapha ukuze uyithenge

???? Iyini i-overdraft yasebhange?

I-overdraft yasebhange iwumugqa wesikweletu ohlanganisa imisebenzi yakho uma ibhalansi ye-akhawunti yakho yasebhange iwela ngaphansi kukaziro. Lo mugqa wesikweletu ongavikelekile uklanyelwe ukumboza ukushoda kwemali yesikhathi esifushane.

I-Ovadrafti iwusizo uma udinga ukuphatha ngokuqhubekayo izimo zokungena nokuphuma kwemali ezivamile.

Njengesibonelo, usesitolo futhi ufuna ukuthenga ngenani lama-euro angu-80 futhi ibhalansi yakho ayanele ngama-euro angu-10. Kuzokwenzekani?

Ibhange lizogunyaza ukuthenga kwakho futhi licabange ukuthi ubakweleta u-$10. Ngamanye amazwi, une-overdraft yama-euro angu-10 ku-akhawunti yakho.

Uma lesi sikhungo se-overdraft singahlelwanga kusenesikhathi, amabhange akhokhisa lokho okwaziwa ngokuthi 'imali ye-overdraft ye-akhawunti'. Ngakho-ke, kunezinhlobo eziningana ze-overdraft yasebhange.

???? Izinhlobo ze-overdraft yasebhange

Izinhlobo ezimbili ze-overdraft yasebhange ziyatholakala kuwe: imali engaphezulu kwe-ovadrafti egunyaziwe kanye ne-overdraft engagunyaziwe.

➤ I-overdraft egunyaziwe

I-overdraft egunyaziwe ihlelwa kusenesikhathi nebhange. Ngakho-ke zibizwa nangokuthi "i-overdraft" ehleliwe. Uyavumelana nebhange lakho ngomkhawulo we-overdraft okufanele uwuhloniphe. Ibhange lakho lizokukhokhisa inzalo futhi ngezinye izikhathi ezinye izinkokhelo ngaphezu kwalokho.

➤ I-overdraft engagunyaziwe

Zibuye zibizwe ngokuthi “okungahleliwe” noma “okungahleliwe” imali eqile. Kwenzeka uma usebenzisa imali engaphezu kwaleyo onayo ku-akhawunti yakho yasebhange ngaphandle kwemvume yangaphambili. Lokhu kubandakanya ukweqa umkhawulo we-overdraft egunyaziwe.

???? Izimali ze-overdraft yasebhange

Izinkokhiso ezivame kakhulu emalini ye-overdraft yasebhange yizindleko eziqanjwe nje ngokuthi yi-overdraft. Zenzeka noma nini lapho ibhange ligunyaza umsebenzi oweqa ibhalansi yakho etholakalayo.

Ngokuvamile, amabhange awakhokhisi imali ye-overdraft uma une-overdraft engaphansi kuka-$5. Ngobubanzi, kunezinhlobo ezi-4 zezindleko ezihlobene ne-overdraft yasebhange.

➤ Izindleko Zezimali Ezinganele (NSF).

Izindleko ze-NSF zenzeka noma nini lapho ibhange likhetha ukukwenqaba i-overdraft. Cishe wonke amabhange akhokhisa inani elifanayo lemali ekhokhwayo kanye nezinkokhelo ze-FNS. Zombili zivame ukukhokhiswa njengenani elilodwa kushejuli yakho yenkokhelo.

Njengoba ibhange kufanele likhethe phakathi kokugunyaza noma ukwenqaba i-overdraft, i-overdraft eyodwa izokubiza izindleko ze-overdraft noma izinkokhelo ze-FNS, kodwa ngeke kwenzeke kokubili. Kodwa-ke, amabhange ambalwa ahlukanisa phakathi kwezinkokhelo ezimbili lapho ebala inani eliphakeme lansuku zonke.

➤ Izimali zokuvikela i-overdraft

Izindleko zokuvikela i-Ovadrafti zikhokhiswa isikhathi ngasinye lapho ibhange lihlela ukudluliswa kwemali kusuka kwenye i-akhawunti yakho ukuze kukhokhelwe i-overdraft. Le akhawunti ivamise ukuba yi-a i-akhawunti yokulondoloza. Lezi zimali zibizwa nangokuthi izimali ze-overdraft.

Ngokomthetho, amabhange awakwazi ukufaka ukuvikelwa kwe-overdraft njengesevisi ye-akhawunti ezenzakalelayo. Ngakho-ke amakhasimende kufanele akhethe ukuthi asenze sisebenze lesi sici noma cha.

Amabhange atholakalayo ngokuvamile inikeza isivikelo samahhala se-overdraft. Kodwa uma usebhange elijwayelekile, ungalindela ukukhokha phakathi U-$10 no-$12,50 ngokudluliswa ngakunye.

Nakuba lokhu kungase kukugcinele imali uma kuqhathaniswa nokukhokha imali ye-overdraft noma izimali ze-NSF, uma inqubomgomo yebhange ingabandakanyi izaziso eziyimpoqo ekudlulisweni kwe-overdraft ngakunye, ungase ugcine usuqedile ukongile ngaphambi kokuba ubone ukuthi kwenzekani.

➤ Izinkokhelo ezinwetshiwe ze-overdraft

Inkokhelo yokugcina kuqoqo lezinhlawulo ze-overdraft yimali enwetshiwe ye-overdraft. Lezi zimali ngezinye izikhathi zibizwa ngokuthi izinkokhelo ezinwetshiwe ze-overdraft noma izinkokhelo ezinwetshiwe zebhalansi ye-overdraft.

Ziqala ukusebenza uma ushiya ibhalansi ye-akhawunti yakho inegethivu inombolo ethile yezinsuku. Futhi yilokho abantu abaningi abafana ngakho.

I-athikili okufanele ifundwe: Wenzani umhlaziyi wezezimali?

Ezimweni eziningi, unezinsuku zebhizinisi ezingu-5 noma izinsuku ezingu-7 zekhalenda ukulungisa ibhalansi yakho ngaphambi kwezinkokhelo ezinwetshiwe ze-overdraft ezifaka i-akhawunti yakho ekujuleni nakakhulu. Ngakho qaphela kakhulu ngebhalansi yakho.

Amanye amabhange akhokhisa le mali kanye njalo ezinsukwini ezi-5. Abanye baze bafinyelele ezingeni lokuhlola izinkokhiso nsuku zonke uze wenze ibhalansi yakho ibe ngaphezu kweziro. Inani eliphakeme lezindleko ezinwetshiwe ze-overdraft ongazithola liyahlukahluka kuye ngebhange.

Nokho, akhona amasu okukhawulela noma ukugwema lezi zindleko. Ngachaza kwesinye sezindatshana zami ukuthi zingagwenywa kanjani izindleko ezithile zebhange ngokujwayelekile kanye nezindleko ze-overdraft yasebhange ikakhulukazi. Chofoza lapha ku-cukugwema izindleko zebhange eziphezulu?

Ngaphandle kwalokho, nanka amathiphu ami njengosozimali ukuze uphathe kangcono imali yakho echichimayo yasebhange.

???? Amathiphu ami okulawula i-overdraft yasebhange lakho

Njengoba ngishilo ekuqaleni kwalesi sihloko, ukuphathwa kabi kwe-overdraft yasebhange kungaholela ezindlekweni eziphezulu zomnikazi we-akhawunti. Nawa amathiphu ami okuphatha kangcono i-overdraft yasebhange lakho.

➤ Bheka ibhalansi ye-akhawunti yakho

Kungase kubonakale kusobala, kodwa ukulandelela ibhalansi ye-akhawunti yakho kungenye yezindlela ezingcono kakhulu zokugwema izinkokhelo ze-overdraft.

Kwenze kube lula ngangokunokwenzeka ngokuthi:

• Ilanda uhlelo lokusebenza lwebhange lakho efonini yakho
• Ukusetha izexwayiso zombhalo uma ibhalansi yakho iphansi
• Ukusebenzisa ibhange ngocingo.

➤ Qhubeka ufunda izincwadi ezivela ebhange lakho

Kulula ukuzijwayeza ukungazivuli izincwadi eziphuma ebhange bese uthatha ngokuthi yizincwadi nje ezijwayelekile.

Kubalulekile ukuhlola zonke izincwadi njengoba ibhange lingase likubhalele likutshele ngoshintsho kumkhawulo wakho we-overdraft noma ukwenyuka kwezinga lakho lenzalo ye-overdraft.

➤ Sebenzisa ukonga uma unayo

Uma unemali oyilondolozile kanye ne-overdraft, kuzokubiza kancane ngokuhamba kwesikhathi ukusebenzisa imali oyilondolozile ukuyikhokha. Uma uthola izindleko ezingalindelekile, ungakwazi njalo ukusebenzisa i-overdraft yakho ukuyikhokhela. Futhi uma ungakwenzi lokho, ungaqala ukwakha futhi ukonga kwakho, ukuze ulungele leyo zindleko ezingalindelekile.

➤ Thola izindlela zokuphila ngesabelomali

Ukuze wehlise i-overdraft yakho ngokushesha ngangokunokwenzeka, ukunciphisa kwezinye izindawo kuzokusiza ukuthi ukhulule imali ethile. Imali oyilondolozile ingase isetshenziselwe ukukhokhela i-overdraft yakho.

➤ Shintsha ibhange

Shintshela ku-akhawunti yasebhange enezindleko eziphansi ze-overdraft. Uma ucwilisa ku-overdraft yakho kaningi, thenga leyo enezindleko eziphansi kakhulu. Ungase ukwazi ngisho nokushintshela ku-akhawunti ngebhonasi yokushintsha, ezosiza ukusula imali yakho esele yeqile.

???? Izinzuzo ze-overdraft yasebhange

Izinzuzo eziningana zixhunyaniswe nokusebenzisa imali eseqile yasebhange. Kulesi sigaba ngethula ezinye zazo kini. I-overdraft yasebhange ikuvumela ukuthi:

➤ Ukulawula ukungafani kwesikhathi kokugeleza kwezimali

I-overdraft yasebhange ngokuvamile ihamba phambili kumabhizinisi anemali eningi ngesikhathi esithile. I-overdraft ingasiza ukusetha kabusha umjikelezo wokungena nokuphuma kwemali eyeqiwe.

I-athikili okufanele ifundwe: Izigaba zohlelo lwephrojekthi oluqinisekisa impumelelo yephrojekthi

Ngamanye amazwi, uma ukuthengisa nokuthenga kubangela ukuthi imali ingene futhi iphume izikhathi ezimbalwa phakathi nesonto/inyanga; isikhungo se-overdraft senza kube nokwenzeka ukulawula ukuphambana kwezimali okungase kuvele ngenxa yokushoda kwesikhathi.

➤ Siza ukugcina ishidi lebhalansi elihle

Uma isheke lalibhalwe ngokusekelwe enanini elithile elitholwayo, futhi uma libambezeleka, isheke alibhampisi ngenxa yemali enganele. Ngakho-ke, indawo ye-overdraft ivumela umlando wokukhokha ongcono.

➤ Yenza izinkokhelo ngesikhathi

Iphinde iqinisekise izinkokhelo ezifika ngesikhathi futhi igwema izinhlawulo sekwephuzile njengoba izinkokhelo zingenziwa ngisho noma ibhalansi ye-akhawunti inganele.

➤ Gwema ukubhala amaphepha

Kudinga amaphepha amancane angadingeka emalini ebolekiwe yesikhathi eside ngoba i-overdraft kulula ukuyisebenzisa.

➤ Zuza ekuguquguqukeni

I-overdraft nayo inenzuzo yokuvumelana nezimo. Ingathathwa nganoma yisiphi isikhathi, nganoma yiliphi inani (kuze kufike emkhawulweni owabelwe), futhi ngisho nangaphansi kosuku olulodwa noma ezimbili.

➤ Zuza ezinkokhelweni zenzalo ephansi

Inzalo ibalwa kuphela enanini lezimali ezisetshenzisiwe. Ngokusobala uma inani le-overdraft libuyiselwa ngesikhathi.

Lokhu konga ezindlekweni zenzalo uma kuqhathaniswa nemalimboleko evamile ethathwe isikhathi esinqunyiwe.

Izindleko zenzalo ziqala lapho weqa umkhawulo wakho we-overdraft futhi zime ngokushesha lapho kukhokhiwe.

Nokho, i-overdraft yasebhange ayiyona "ingelosi". Iphinde ibe nezihibe.

???? Ububi be-overdraft yasebhange

Ngaso sonke isikhathi lapho uzuza emalini eseqile yasebhange, zitshele ukuthi:

➤ Amazinga enzalo angaba phezulu kakhulu

Isikhungo se-overdraft sinezindleko. Ngezinye izikhathi lezi zindleko ziphakeme kunezinye imithombo yoxhaso. Ngakho-ke kubalulekile ukuthi uthintane nemibandela yasebhange yebhange lakho ngaphambi kokucela i-overdraft.

➤ Uzibeka engcupheni yokunciphisa inani lokubolekwa imali eyengeziwe

Isikhungo se-overdraft siyimalimboleko yesikhashana ebuyekezwa njalo yibhange. Ngenxa yalokho, kuba nengozi yokuncipha kwenani lokuhoxiswa.

Lokhu kwehliswa kungase kube ngenxa yokusebenza kabi kwenkampani noma ukuziphatha okubi komphathi we-akhawunti.

➤ Usengozini yokubamba

Isikhungo se-overdraft yasebhange kwesinye isikhathi singaba yisibambiso ngokumelene namasheya noma esinye isibambiso esinjengamasheya njll. Inkampani ingase ibe sengozini yokuthi lezi zimpahla zithathwe uma yehluleka ukuhlangabezana nezinkokhelo.

➤ Ukuqoqwa kwabakweletayo kungavilapha

Kwesinye isikhathi ukutholakala kwendawo ye-overdraft kungenza inkampani ingabi namandla ekuqoqeni izinkokhelo kubakweleta.

Ngamanye amazwi, ibhizinisi lingase lingabi naso isikhuthazi esiningi sokuqoqa izinkokhelo kubakweleti balo, njengoba ukuphuma kwenkokhelo esheshayo kungasingathwa isikhungo se-overdraft.

???? Isifinyezo...

I-overdraft yasebhange iyimaji eyengeziwe ongazuza kuyo ngokuphathelene nebhalansi yakho yasebhange. Ikuvumela ukuthi wenze okwenziwayo noma ngabe ibhalansi yakho yasebhange inganele.

Nokho, kungaholela ezindlekweni uma ungazi kahle. Lo mhlahlandlela wethule zonke izindleko ezihlukene ezihlobene nale sevisi ongase ube ngaphansi kwazo.

Manje usuhlonyiselwe ukuphatha kangcono i-overdraft yakho yasebhange. Uma kukhona okukukhathazayo, zizwe ukhululekile ukungishiya amazwana.

Ngaphambi kokuthi uhambe, nakhu ukuqeqeshwa okukufundisayo indlela yokuthengisa izeluleko ku-inthanethi. Chofoza lapha ukuze uyithenge.

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