I-Overdraft - kuyini: imali esikweletini noma esikhwameni?

Wonke umuntu uzama ukugcina amarekhodi ezimali zakhe siqu. Ngokuphumelelayo unayo noma cha, kuxhomeke ekuhlakanipheni kwezwe, ikhono lokulindela ukuthuthukiswa kwezenzakalo kanye nokufunda kwezezimali. Ngesikhathi esifanayo kunzima ukuthola umuntu ongafanele akhokhe imali. Isidingo sokuthola umthombo wezimali phakathi kwabangane nezihlobo, kanye nesidingo sokuchazwa, siyanyamalala uma une-overdraft. Kuyini? Ingabe ihlukile ngemali mboleko? Ukukwazi impendulo yale mibuzo kuyokwandisa ukuzethemba ngokwezimali nokufunda kwezomnotho . Lokhu futhi ukwenze.

Ngokuzwakala okufana negama lesiJalimane elithi "overdraft" empeleni - ukulandelela kusuka esiNgisi, futhi kusho "isikweletu sesikhashana". Ihlinzekwa kumakhasimende athembekile kakhulu ebhange ngesamba semali evunywe ngaphambilini.

Ngakho-ke, imibuzo elandelayo ilandela, uma nje uvuma ukuthatha i-overdraft. Luhlobo luni lwemali mboleko? Yimiphi imibandela yayo? Ingabe kunenzuzo? Uyini umehluko phakathi kwe-credit overdraft nekhadi lesikweletu?

Ngomqondo webhange, i-overdraft ayikho ngisho mboleko. Lona ithuba lokuba umnikazi wekhadi akhokhwe ebhange imali ethile, enqunywe yimingcele yomkhawulo, kuze kutholakale umholo olandelayo.

Inani elingasetshenzisiwe lokukhishwa kwe-overdraft lihlala njalo ekhadini lebhange lomnikazi. Yiqiniso, izimali zokuboleka akuzona izindleko. Ukukhokha izikweletu kubomvu, futhi ngephesenti ethile yenkontileka. Ngokuvamile liphakeme kakhulu kunezikweletu ezijwayelekile ekuqondeni kwethu.

Omunye umehluko - ukukhokhwa kwesikolodo kwenziwa ngumuntu oyedwa (kanye nesithakazelo) ngesikhathi sokuthola umholo olandelayo ekhadini. Nakuba isikweletu samakhadi esikweletu sivame ukuhlukaniswa ngochungechunge lwezinkokhelo ezilinganayo ezingenanzuzo esikhathini esithile.

Ngokuvamile, inani lokukhishwa ngokweqile lekhadi lesikweletu lixhomeke kubukhulu bokubhaliswa kwezinyanga ezivamile futhi ngokuvamile aludluli le nombolo ngayinye kumnikazi ngamunye. Ngakho-ke, ukutholakala kwemali eseduze kusondeza ngokuphelele isikweletu ebhange.

Sicela uqaphele ukuthi umnikazi wekhadi elijwayelekile, elingewona isikweletu angaba kalula ngokuboleka ngengozi. Isibonelo, uma ukukhokha kubambezeleka, futhi iklayenti, engazi ngakho, yenza ukuthenga okudingekile, kubalwa ngemali ehlinzekwe ngaphansi kwesivumelwano sokwedlula imali. Ukuthi lokhu kuthengwa kubiza okungaphezu kokuphakanyisiwe, umnikazi wekhadi angathola kuphela inyanga kuphela.

Ukubalwa kwekhadi lesikweletu elifanayo i-priori akumele kube yileli klayenti.

Impendulo engathí sina kakhulu ye-overdraft iyisicupho sesikweletu. Ngokuvamile umuntu akahambisani nemali eyabelwe inkokhelo. Ngemva kokukhishwa imali nge-overdraft once, kamuva ayikwazi ukukhokha isikweletu ngesikhathi. Leli nani lesikweletu liya kusuka ngenyanga kuya enyangeni, eshiya ibhange ngenzalo.

Uma unquma, uma ufunda konke mayelana ne-overdraft, ukuthi lokhu okunikezwayo kwebhange akusizi ngalutho, vele unikeze. Kodwa kunezimo ezinamandla lapho kudingekile. Yazi nje "ngamaphutha" we-overdraft futhi uwasebenzise ngokuhlakanipha.