Chii makadhi overdraft? Overdraft, kadhi

A-siyana epurasitiki makadhi mumasangano rwezvemabhengi siyana hwakakura kwazvo. Pakati pavo vane debit, zvikwereti, overdraft kadhi. Zvakanakira uye zvakaipira chimwe nechimwe mhando dzakasiyana. Chii kunovabatanidza zvikurukuru chete kuti kadhi nomumwe ane pagore basa, izvo, zvichienderana nemamiriro ezvinhu angave uwandu akasiyana. Basic mashoko mumwe mapurasitiki kadhi pazasi.

Mhando epurasitiki makadhi

Debit kadhi - kadhi rimwe mabhanga tichitaura nhoroondo yako ikoko. Shandisa mari munhoroondo zvaitwa mukati zvinobvumidzwa uwandu. Debit kadhi functionality iri nyore chaizvo nyaya. Kuti aite izvi, unofanira kupa chete dzose pasipoti yako, uye nekuzadzisa yenyu rokubhengi. Debit Makadhi zvakapararira, sezvo vashandirwi vakawanda panze kuti vashandi vavo uye mutikangamwire kubhadhara vose vasiri mari.

The kadhi iri rakapa mune dhipatimendi rimwe Banks achisimbisa anokwereta anogona zvemari kubhadhara mari inoshandiswa ne chikwereti tsika. Terms chikwereti zvinoreva yakasiyana kufarira rates, kuvapo uye kureba kwenguva nyasha, uye zvimwe zvinhu maererano ezvinhu uye mwero zviri yasarudzwa Bank.

Chii makadhi overdraft?

Overdraft kadhi anonzi saka nokuda wemishonga mhando mbiri aaimboita epurasitiki makadhi. The chikuru chinhu ndechokuti iripo kuti vaverengwe chete kana Transfers Payroll yenyu. Chokutanga, nyora-kubva mari kunoitika chaiyo mari yazvo pamepu, uye chete zviitiko apo huwandu nhoroondo iri kushomeka kuripira kushandiswa overdraft. Chii makadhi overdraft? Chaizvoizvo, imwe overdraft - pfupi-rokuti chikwereti. Kwenguva pfupi overdraft akadana nekuti mutsividzo kunoitika mwedzi unotevera panguva Payroll.

History overdraft

Pakutanga, mabhanga Russian overdraft service yakapiwa chete pamutemo masangano. Boka iri chiitiko ezvinhu umo avo S. / s chinhu, anogona kushandisa mari kubhangi kuti kubhadhara munataisireva ayo mamwe masangano. Panguva okutambirwa mari nhoroondo kubhangi akanyora kubvisa chikamu nokuda mutsividzo muzvikwereti, uye vamwe vakasara munhoroondo.

Mune ramangwana, basa yakazokudziridzwa mumunda chitoro rwezvemabhengi uye akazozivikanwa "overdraft kuti vanhu." Zano nourongwa uye kushandiswa rakumbirwa mari ndiyo akafanana kuti zano makambani basa. Simplistically bhangi overdraft anganzi sezvinotevera.

Kushaikwa mari kana kubhadhara overdraft → Use uye abhadhare zvinhu / mabasa → Kutonhodza pamwe Kutamiswa mari munhoroondo mushandirwi

Sberbank kadhi overdraft functionality

Chii makadhi overdraft, hamuna kuverenga pamusoro. Sberbank - ndicho uye yakavimbika bhengi Russia, saka zhinji inova zvinofadza chii Overdraft kadhi Sberbank kweRussia. Ngatitange kubva pakutanga.

Chii Overdraft kadhi Sberbank kweRussia? Izvi muhoro kadhi woga chokuita functionality pamusoro overdraft (nokukwereta pfupi-rokuti kubhengi mari).

Overdraft kadhi Sberbank akakurayirai apo kushandisa kubhengi bazi uye urongwa pasuru magwaro (kana mari imi parizvino nepariri yechitatu-party mabhanga).

1. Kushandiswa basa iri.
2. pasipoti yako.
3. Vanopupurirwa nokuda mushandirwi bhuku basa.
4. An mari mashoko kana mashoko nhoroondo rimwe bhengi.

Kana boka rako rakatomboshandiswa muna nemari Bank, uye kadhi zvaunazvo paruoko, kubatana pabasa achava nyore. Kureva kubhengi bazi ane pasipoti uye mepu, uye mari Bank upi mushandi anogona batanidza kushanda.

Terms kadhi ane overdraft Zvivako

Kufanana chero rwezvemabhengi basa, pamwe kushanda mepu yacho overdraft anowanika mumamwe mamiriro ezvinhu. Kana kushandiswa vakakwereta mari vari mari mubhangi overdraft mubereko mhosva. Sberbank chimbadzo ndiyo 18% pagore. The zvazvingava yakaderera pakutanga kuaona. Zvisinei, pane mashoko anokosha ari yeGmail.END_STRONG anofanira kufungwa nezvawo.

1. Runopfuura muganhu hwakazara yakawedzera chimbadzo 36% pagore.
2. Misi ukabvisa nevasori havabvumirwi nguva uye mari 1 mwedzi. Pakutanga nokuti ichi mhando kadhi kuti mari iri kune zita renyu harisi asingasviki 1 nguva pamwedzi.
3. Overdraft asingagoveri Grace-nguva (apo mubereko kushandiswa hachiverengerwi).

Overdraft Map mari Bank. Sei ndinoziva muganhu?

Chii overdraft makadhi nemari Bank of Russia, imi munoziva. Uye unoziva sei pokupedzisira? The Bank anoti ane overdraft muganhu nerimwe yeGmail.END_STRONG nomumwe. Huwandu overdraft, maererano mitemo kubhangi mumuviri vanhu kwete kupfuura 50% kubva pamwedzi mari. For pamutemo masangano, izvozvo rinowanikwa inobva paavhareji kukosha mari mumakore mishoma (mwedzi mitanhatu). Kwakakura pamusoro overdraft achava 40% chinokosha ichi.

Uyewo ari kadhi muganhu inogona kuwanikwa kuburikidza basa Sberbank paIndaneti. In rako pachako nhoroondo, uchaona mashoko pamusoro kukura overdraft chikwereti uye achagona kuongorora vavo mari chete kubhengi mashoko.

Overdrafts uye zvikwereti

Kana tikaenzanisa mamiriro chokuwana nevatengi chikwereti uye overdraft pamusoro Payroll kadhi, zviri nani. kuti anokwereta yaizova kusarudza wokutanga. Kufarira rates chikwereti mari vari mari yakawanda, kunyanya kana uchironga kutenga michina zvinodhura kana zvinhu vane ukoshi akapfuudza panogumira overdraft.

Makadhi rinogona sechinoitika nani. kufananidzwa overdraft, kunyanya kana richipedza kunoitika munguva nyasha. Sezvo mubereko Bank munyaya iyi, hazvina asingaverengerwi.

Terms of overdraft

Munhu kuonana kubhengi ane chikumbiro ive overdraft, inofanira kusvitsa zvimwe zvinodiwa kwemutongo masangano.

1. Kuramba basa basa rinofanira kunge kanenge 6 mwedzi panzvimbo imwe uye panguva kurapwa munhu anofanira kushandiswa ne basa.
2. Haufaniri kuva kunoshamisa zvikwereti panguva. Bank overdrafts vanonyanya kuda kupa vatengi zvakanaka chikwereti nhoroondo. chinodiwa Iri kungwara pamahombekombe maererano dzakawanda magwaro chitoro rwezvemabhengi.
3. The Bank vaite dzinofunga chokuita kunyoresa. Somuenzaniso, kupa munhu overdraft kuti nemhosva, iro rinoshandiswa bhengi bazi munzvimbo dzokugara.
4. Other zvinodiwa chokuita mari woga kana masangano.

Payakaipira overdraft Makadhi

Kana kushandiswa chinokosha mugove overdraft muganhu, muhoro dzinonzi kuchikwama chenyu kungasava zvinokwana rakwo kutsakatika. Uye nguva ichaitika chikwereti muripo nokuda kadhi overdraft zvakaoma chaizvo, 1 mwedzi. Saka tine zvizhinji kunze inotevera mwedzi, mushumo pachavo mari dzavo kubva kumwewo. Izvi zvakanyanya asinganyatsoita. Pashure pezvose, kana ichi haina zvaitwa, overdraft haazovharwi, uye dzakava kufarira achava kare kuva 36% pamusoro Zvakasara chikwereti. Kureva, iwe overpay zvikuru pakupedzisira.

Nokuti kushandisa basa unofanira kubhadhara overdraft, uyewo nhoroondo yako yokuzvigadzirisa. Huwandu overdraft iri kwaita deducted kubva kadhi kamwe pagore. Fines uye vairangwa mushakabvu mubhadharo mhosva kuna nemhosva, kwete nhoroondo masangano haana dziri nguva imi kubhadhara.

Zvakanakira makadhi overdraft

Chii Makadhi overdraft uye chii tinobatsirwa dzavo, verenga mberi. Huru nani kunogona kunzi zvinodiwa kuti varuwane. Kunyanya kana muri kare nhengo mari Bank of muhoro chirongwa. Card ane overdraft muganhu, kazhinji rakapa nokuti Visa uye Mastercard muripo nehurongwa havasi pasi mureza pamwero (anonzi kadhi evanhu haabatsiri nezvokuvapo uye overdraft chokuita).

Panguva Chaiyo kuripwa chikwereti pamusoro overdraft uye kutapurirana mari munguva pakuongorora kwako nhoroondo - runovimbisa yenyu nerunyararo. Panyaya iyi, iyo overpayment kuti urongwa pfupi-rokuti chikwereti hazvizoitiki, uye overdraft avhara (itangezve kusvika razero). Uyezve unoshandiswa mberi pamwe mureza parameters: 18% uye 1 mwedzi aripe.

Tips yokuisira overdraft makadhi

Dzidza pamusoro mabasa iripo pamepu yako munzira dzakawanda:

• kana kureva chizvidavirire dhipatimendi mushandirwi;
• yako pachako nhoroondo pamusoro nzvimbo SERVICING Bank.

Kuti tidzivise okuwedzera mari chokuita kuripwa dzakava kufarira, fines kana Zvirango, unofanira kugara kuongorora yenyu debit nhoroondo. Vamwe zviteshi (ATMs) anogona kuratidza yaipedzerwa mari iripo, kusanganisira overdraft uye dzakava mari.

kusimudza mari kutengeserana kana muripo zvinhu / mabasa kuti nani rakatevera pashure kupomerwa, hazvisi nguva dzose mari - dzakava mubayiro - kupinda nyaya nokukurumidza. Unogona kuona zvekushandisa matambudziko, uye nyora-kure kuchaitika nokuda overdraft, sezvo chayo riri chamuinacho nguva dzose.