Overdraft - ndiko: ndalama ngongole kapena ngongole?

Munthu aliyense amayesetsa kusunga mbiri ya ndalama zake. Bwinobwino izo analandira kapena ayi zimadalira nzeru ochiritsira, luso kuoneratu zochitika ndi zapamwamba ndalama. Pa nthawi yomweyo n'zovuta kupeza munthu amene alibe kubwereka ndalama. Ayenera kupeza ndalama ndi anzake ndiponso achibale, komanso kufunika kufotokozera, Sikuti ngati muli overdraft. Ndi chiyani icho? Kumasiyana ngongole ya? Kudziwa mayankho a mafunso amenewa adzasintha ndalama azidzidalira ndi chuma kulemba. Izi muchita.

Izo zikumveka ofanana ndi mawu German "overdraft" Ndipotu - kutsatira ku England, ndipo limatanthauza "yochepa ngongole." Zoperekedwa ndi yodalirika makasitomala a banki kuchuluka kwa ndalama chisanadze anavomera.

Izi zikutanthauza mafunso yovomerezeka malinga mukuvomereza kuchita overdraft. Kodi mtundu wa ngongole? zikuchitikazi chiyani? ngati n'kwabwino? The overdraft ngongole ndi osiyana ndi ngongole?

Banki overdraft kumvetsa - palibe ngongole. Ichi ndi mwayi khadi chofukizira ku banki linachokera ena ndalama, malire chifukwa cha accrual malipiro lotsatira.

The makuponi kuchuluka kwa overdraft nthawi zonse ali pa cardholders. Kumene, pobwereka ufulu. Ngongole malipiro zili zofiira, ndi kuchuluka ena ya mgwirizano. Kawirikawiri kwambiri kuposa alipidwa kwa kamvedwe kathu ka ngongole za.

Kusiyana kwina - ndi alipire ngongole wapangidwa yunifolomu (pamodzi ndi chidwi) kuchuluka pa nthawi ya kulowa khadi zikutanthauza malipiro zonse. Ngakhale ngongole nthawi unagwa mu mndandanda wa malipiro ofanana chidwi-free mu nthawi chinanena nthawi.

Nthawi zambiri, kukula kwa khadi overdraft madebiti zimadalira kukula kwa pafupifupi gulu pamwezi ndipo kawirikawiri sakhala upambana nambala munthu aliyense mwini. Choncho, otaya ndalama akubwera kwathunthu kumbuyo ngongole kubanki.

Chonde dziwani kuti mwini wamba, osati ngongole, makadi mosavuta kukhala wobwereka mwangozi. Mwachitsanzo, ngati kopeleka malipiro anachedwa, ndi kasitomala sakudziwa za izo, yogula zofunika, zinthu anapereka pansi pangano overdraft ndi kuyembekezera. Kodi mtengo kupeza okwera mtengo kusiyana ndi kuyembekezera, mwini khadi zitha tikupeza pambuyo pa mwezi.

Yowerengera ndi ngongole ndi zolemba sangakhale kwa makasitomala wamba.

The drawback akuluakulu a overdraft - ngongole msampha. Nthawi zambiri anthu sizikugwirizana ndi kuchuluka anatumizidwa malipiro. maofesi Pocherpnuv overdraft kamodzi, ndiye mulibe nthawi kubweza ngongole nthawi. ndalamazo ngongole inasamutsidwa kuchoka mwezi ndi mwezi, kusiya zinthu za chidwi banki.

Ngati mwaganiza pamene inu kuphunzira za overdraft, kuti mwa maganizodwe a kubanki ndi opanda pake kwa inu, chabe kuzimvera. Koma pali mphamvu majeure, pamene kuli kofunikira kwambiri. Monga kudziwa za "mbuna" wa overdraft, ndipo ntchito mwanzeru.