Overdraft chiri. Sberbank ndi mitundu ya kukongoza

Kodi tikudziwa bwanji overdraft? Ichi ndi chimodzi mwa mitundu ya kukongoza a anthu, omwe amakhala ndi kuphweka ake, chomasuka ntchito ndi mamangidwe. Mukhozanso kunena kuti overdraft ndi njira yabwino kwa anthu amene safuna kudalira aliyense, ngakhale mu nthawi zina kuyesetsa panopa ndalama. Imodzi mwa njira zabwino ogula ndi overdraft. Ndalama Bank imapereka kumutumikira.

Terms of

Chinthu choyamba chimene yomweyo Tingaone pa womdziwa pafupi ndi mikhalidwe - ndi chiwongola dzanja. Sitingathe kunena kuti iye anali amphamvu kwambiri, koma alonda kuti kusintha pa nthawi, ndi unilaterally, mwachitsanzo popanda pangano kuyambirira ndi kasitomala. Wobwereka yekha kuchenjeza miyezi iwiri zinthu zatsopano zotsatira, kuti kapena kuvomereza kapena kuti abwezere overdraft. Sberbank komanso pamene kufufuma sadzakhala ntchito patsikulo, ngati banki ina - zingawonjezere malipiro kukweza mitengo kapena anayambitsa zolipira zina.

Kuchuluka kwa ndalama

Pa nthawi ya overdraft kwenikweni chofunika kulabadira kuchuluka kwa malipiro a mwezi uliwonse. Ngakhale mwezi uliwonse kulipira ngongole, koma ndalama osakwanira kulipira malipiro osachepera, ngongole adzakhala anatsirizika. Kodi accrue chidwi ndi ntchito za zilango. Koma si koipa. Ngati inu kuthamanga ndi overdraft, Sberbank angathe kukonza choipa ngongole mbiri, amene kenako kuyambitsa mavuto ndi kupeza ngongole.

Kodi chimachitika n'chiyani ngati inu musati mupereke?

Ngati mulibe kulipira ndalama Bank overdraft kwa nthawi yaitali, ndalama, zilango ndi malipiro akhale wamkulu kuposa Uwerenge akuchedwa yokha. Ndipo ngakhale ngati malipiro adzakhala adapitiriza, ndiye kuchuluka kwa ngongole pakokha repayable bola zonse za chilango cha sadzalipidwa kena kalikonse. Pali milandu pamene makasitomala si mudzalipidwa overdraft miyezi yochepa, kenako wayamba kupanga malipiro osachepera, ndi kuchuluka kwa ngongole nthawi yomweyo kokha kuonjezera. Kasitomala kudabwa, si bwino chotero zotheka. Ndi yosavuta - miyezi ingapo anathamanga ndi ngongole kuti kasitomala wake sifikira pamene amalipira akale, ndi ngongole ndi kuwuka. Pankhaniyi, choyamba muyenera kubwezera zabwino, kenako kulipira overdraft.

Ndalama Bank zimatengera ntchito ya utumiki?

Tisaiwale kuti chaka ndi debited kwa utumiki ngongole, amene angathe kukhala anadabwa zosasangalatsa ngati kasitomala sakudziwa za izo. kukonza pachaka akudalira ngati khadi kasitomala amene yakwera ndi overdraft. Chotero Commission pachaka ali ndi banki. Munthu izo zingakhale zambiri kapena zochepa. Pankhaniyi, magulu akhozanso kukopeka ndi ziwawa chidwi ntchito ngongole kapena nthawi yaing'ono chisomo. Kupewa kusamvetsetsana, tingathe kuwerengera ngongole ku banki ndalama, ndi Chiwerengero angapezeke pa webusaiti boma.

Musanapite mapeto chomaliza chimene banki overdraft kopindulitsa kwambiri chofunika kuganizira mfundo zina zabwino zonse. Ndipo nthawi zonse mosamala tanthauzo la pangano ngongole, makamaka mu gawo lolembedwa zilembo zazing'ono.