Ndi overdraft makadi chiyani? Overdraft, khadi

A zosiyanasiyana makadi pulasitiki a magulu osiyanasiyana banki ndi zoopsa. Ena mwa iwo ndi madebiti, ngongole, overdraft khadi. Ubwino ndi kuipa kwa njira iliyonse mtundu zosiyana. Kodi zimagwirizana pamodzi mwachuluka yekha kuti aliyense khadi ali ndi utumiki wa pachaka, zomwe, malingana ndi mmene angakhale mosiyanasiyana. mfundo zikuluzikulu aliyense khadi pulasitiki pansipa.

Mitundu ya makadi pulasitiki

Madebiti khadi - khadi limodzi la magombe za nkhani yanu kumeneko. Ntchito ndalama pa nkhani zitachitidwa mkati mwa kuchuluka kololeka. Madebiti khadi magwiridwe lophweka nkhani. Kuti tichite zimenezi, muyenera kupereka yekha pasipoti yanu zonse, ndi kudzaza akaunti yanu ku banki. makadi madebiti zili ponseponse, monga mabwana ambiri kupanga iwo antchito awo ndi kuwachotsera malipiro onse si a ndalama.

khadi ngongole ndi inakhazikitsa mu dipatimenti ya mmodzi wa mabanki mu kutsimikizira mphamvu wobwereka za chuma kubweza ndalama ntchito ndi bungwe ngongole. Terms ngongole zikutanthauza osiyana chiwongola dzanja, pamaso kutalika kwa nthawi chisomo, ndi zina malinga ndi mikhalidwe ndi mitengo ya gombe anasankha.

ndi overdraft makadi chiyani?

khadi Overdraft wotchedwa choncho chifukwa mitundu mitundu iwiri m'mbuyomo a makadi pulasitiki. Mbali yaikulu ndi kuti lilipo chifukwa kulembetsa kokha ngati Zosintha kopeleka malipiro anu. Choyamba, kulemba wolemera ndalama kumachitika ndendende ndalama zawo pa mapu, ndi pokha pokha pamene kuchuluka m'nkhaniyi ndi osakwanira kulipira overdraft ntchito. ndi overdraft makadi chiyani? Kwenikweni, ndi overdraft - ndi yochepa ngongole. Yochepa overdraft otchedwa chifukwa alipire kumachitika mwezi wamawa pa kopeleka malipiro.

History overdraft

Poyamba, Russian mabanki overdraft utumiki anapereka yokhayo mabungwe alamulo. The kampani mwambo imeneyi awo tsa / s mulibe, tingalandire ndalama kubanki ndi kulipira ngongole zake mabungwe ena. Pa nthawi ya chiphaso cha ndalama ku nkhani ya banki analemba kuchokera mbali ya chifukwa cha alipire ngongole, ndipo ena anakhalabe m'nkhaniyi.

M'tsogolo, utumiki anayamba kupanga m'munda wa banki ritelo ndipo anatchedwa "overdraft anthu." Chiwembu cha makonzedwe komanso kugwiritsa ntchito ndalama anabwereka ndi zofanana kuti chiwembu cha makampani utumiki. Simplistically banki overdraft tinganene motere.

Kupanda ndalama ndalama overdraft → Ntchito ndi kulipira katundu / misonkhano → Kuthetsa ndi ndalama kunditumiza ku nkhani ya abwana ake

Sberbank khadi ndi overdraft magwiridwe

ndi overdraft makadi Nanga mwawerenga pamwamba. Sberbank - ndi ambiri ndi odalirika banki mu Russia, ambiri amakhala chidwi zimene Overdraft khadi la Sberbank la Russia. Tiyeni tiyambe kuyambira pachiyambi.

ndi Overdraft khadi la Sberbank la Russia chiyani? Izi khadi malipiro a munthu ogwirizana ndi magwiridwe a overdraft (pobwereka yochepa banki ndalama).

Overdraft khadi Sberbank chikalata Pamene ntchito ku nthambi banki ndi makonzedwe a phukusi la zikalata (ngati malipiro panopa kudutsa mabanki lachitatu chipani).

1. Yofunsira utumiki uwu.
2. pasipoti yanu.
3. Wogulitsa ndi bwana kope a buku ntchito.
4. Mawu ndalama kapena mawu a nkhani bankiyo.

Ngati gulu lako kale anatumikira ku Bank ndi ndalama, ndi khadi muli pa dzanja, kugwirizana kwa msonkhano chophweka kwambiri. Fotokozani za nthambi banki ndi pasipoti ndi mapu, ndi ndalama Bank wantchito aliyense akhoza kugwirizana ndi zinchito.

Terms khadi ndi malo overdraft

Ngati utumiki uliwonse ku banki ndi mapu zinchito za overdraft lilipo mavuto ena. Pankhani ya ntchito ndalama anabwereka kuchuluka kwa milandu overdraft chidwi banki. Sberbank chiwongola dzanja ndi 18% pa chaka. The mtengo wotsika pa koyamba. Komabe, pali mfundo zofunika kasitomala ayenera nayo.

1. Chopitirira malire ndi zinadzala ndi kuwonjezeka mlingo chidwi 36% pa chaka.
2. Masiku wozimitsa wothandizila zocheperapo nthawi ndi kuchuluka kwa mwezi 1. Ankafunira mtundu wa khadi kuti ndalama kunditumiza ku dzina lanu ndi osachepera 1 nthawi pamwezi.
3. Overdraft sasamalira Grace-nyengo (pamene chidwi ntchito si mlandu).

Overdraft Map ndalama Bank. Kodi ndikudziwa malire?

Kodi makhadi overdraft ndalama Bank of Russia, inu mukudziwa. Ndipo kodi inu mukudziwa malire? The Bank linaŵerengera ndi overdraft malire wina kasitomala payekha. Kuchuluka kwa overdraft, malinga ndi malamulo a banki kuti anthu thupi osati oposa 50% ya ndalama mwezi. Pakuti mabungwe alamulo, ndi masamu potengera ubwino avareji phindu m'miyezi yapitayi ochepa (miyezi isanu ndi umodzi). Ukulu wa overdraft adzakhala 40% ya mtengo uwu.

Komanso pa malire khadi angapezedwe mwa utumiki Sberbank Intaneti. Mu nkhani wanu, mudzaona zokhudza kukula kwa ngongole overdraft ndipo athe kuwunika ndalama zawo ndi mawu banki.

Overdrafts ndi ngongole

Ngati Tikayerekeza zinthu kupeza ogula ngongole ndi overdraft pa khadi kopeleka malipiro, ndi yabwino kwambiri kuti wobwereka adzakhala njira yoyamba. chiwongola dzanja ndi kuchuluka ngongole ndi yopindulitsa kwambiri, makamaka ngati mukufuna kugula zipangizo zodula kapena katundu amene phindu kuposa malire a overdraft.

makhadi angathe kuonedwa monga yabwino kwambiri poyerekeza overdraft, makamaka ngati Kuthetsa kumachitika nthawi ya chisomo. Popeza Bank chidwi mu nkhani iyi, simalilitsa.

Terms of overdraft

munthu kuti funsani banki ndi ofunsira overdraft ndi, amafunika la mabungwe a ngongole.

1. Wopitiriza utumiki ntchito ayenera kukhala miyezi 6 pamalo amodzi ndi nthawi ya mankhwala munthu ayenera ntchito ndi abwana ake.
2. Inu sayenera ngongole kwambiri pa nthawiyo. Bank overdrafts ali ofunitsitsa kupereka makasitomala ndi abwino ngongole mbiri. Lamulo limeneli ndi pa nzeru ya gombe mogwirizana ndi zolembedwa mkati mwa banki ritelo.
3. The Bank akhoza kupanga zonena kugwirizana ndi kulembetsa. Mwachitsanzo, kupereka overdraft kuti kasitomala, amene ntchito ku nthambi banki m'chigawo cha zogona.
4. zofunika zina zokhudza ndalama za munthu kapena mabungwe.

Kuipa makadi overdraft

Ngati ntchito ndi mbali yaikulu ya malire overdraft, malipiro amatamanda akaunti yanu akhoza sangakwanire ikutha yake. Ndipo nthawi malipiro ngongole ndi khadi overdraft n'kovuta 1 month. Chotero tiyenera zambiri koma kwa mwezi wamawa, lipoti pa ndalama zawo ndi zinthu zina. Ichi ndi kovuta kwambiri. Ndipotu, ngati izi sanachite, ndi overdraft sizidzatsekedwa, ndi chidwi accrued adzakhala aliko kale 36% pa yotsala ya ngongole. Ndiko kuti, inu kwambiri overpay mapeto.

Pogwiritsa ntchito zimene ayenera kulipira overdraft, komanso kukonza nkhani yanu. Kuchuluka kwa overdraft ali basi deducted ku khadi kamodzi pa chaka. Zindapusa ndi zilango kwa malipiro mochedwa mlandu kwa kasitomala, osati kuti nkhani za mabungwe palibe pa nthawi mumalipira.

Ubwino makadi ndi overdraft

Kodi overdraft makadi ndipo kodi ubwino awo werenganibe. The mwayi waukulu kuti angatchedwe zofunika kupeza izo. Makamaka ngati ndinu membala wa Bank ndalama za polojekiti malipiro. Khadi ndi malire overdraft, kawirikawiri linapereka Visa ndi MasterCard machitidwe malipiro simuli pansi pa muyeso (otchedwa khadi chikhalidwe sasamalira kukhalapo ndi kugwirizana overdraft).

Panthawi yake kupereka ngongole pa overdraft ndi kulanda ndalama mu nthawi akaunti yanu afufuze - chitsimikizo mtendere wanu. Mu nkhani iyi, overpayment potipatsa ngongole yochepa sizidzachitika, ndi overdraft kutseka (bwererani ku ziro). ntchito mopitirira ikupitirira ndi magawo muyezo: 18% ndi mwezi 1 malipiro.

Nsonga zopalira overdraft makadi

Phunzirani za misonkhano kupezeka pa mapu mu njira zingapo:

• potchula dipatimenti mlandu wa abwana ake;
• m'nkhaniyi panokha pa malo mathandizidwe banki.

Kupewa zina ndalama kugwirizana ndi malipiro a accrued chidwi, ndalama kapena chilango, muyenera nthawi zonse kuwunika akaunti yanu madebiti. Ena malo (ATMs) tingasonyeze chiwerengero cha ndalama zilipo, kuphatikizapo overdraft ndi malipilo accrued.

kuchotsa ndalama ndikupeleka kapena kulipira katundu / ntchito kupanga bwino tsiku lotsatira pambuyo mlanduwo, si nthawi zonse ndalama - accrued malipiro - kulowa nkhani mofulumira. Mwina mavuto luso, ndi lemba wolemera zidzachitika chifukwa overdraft, monga kuchuluka kwake ndi zonse zimene muli nazo.