Mene ne overdraft katunan? Overdraft, katin

A iri-iri na roba cards daban-daban banki kungiyoyi ne babban. Daga cikin su akwai zare kudi, bashi, overdraft katin. Amfani ko rashin amfani da kowane irin suna daban-daban. Abin da unites su ne sun fi mayar da kawai cewa kowane katin yana da wani shekara-shekara sabis, wanda, dangane da yanayin iya zama daban-daban yawa. Basic bayanai a kan kowane roba katin kasa.

Nau'in na roba cards

Zare kudi da katin - a katin na daya daga cikin bankuna tare da tunani ga asusunka akwai. Yi amfani da kudi daga asusun yi a cikin canja adadin. Zare kudi da katin aiki ne mai sauqi qwarai batun. Don yin wannan, kana bukatar ka samar kawai your yau da kullum da fasfo, da kuma cika up your bank account. Zare kudi cards ne tartsatsi, kamar yadda da yawa ma'aikata sa fitar da su zuwa ga ma'aikata da kuma kankare duk biya su ne wadanda ba tsabar kudi.

A katin bashi da aka bayar a sashen na daya daga cikin bankuna a gaskatãwa ga borrower ta kudi ikon sãka da kudi amfani da bashi ma'aikata. Sharuddan bashi nufin daban-daban amfani rates, da gaban da kuma tsawon wata alherin zamani, da kuma wasu dalilai daidai da yanayi da kuma kudaden da aka zaɓa banki.

Mene ne overdraft katunan?

Overdraft katin da aka kira don haka saboda da hade da biyu da suka gabata daban na roba cards. Babban alama shi ne cewa shi ne samuwa ga rajista kawai idan ta Canza wurin your albashi. Da farko, rubuta-kashe na kudi auku daidai a nasu kudi a kan taswira, da kuma kawai a lokuta inda adadin a cikin lissafi ne kasa biya domin amfani overdraft. Mene ne overdraft katunan? A ainihi, an overdraft - wani gajere aro. Short-lokaci overdraft kira domin biya faruwa a watan gobe a albashi.

tarihi overdraft

Da farko, Rasha bankuna overdraft sabis na bayar kawai don doka abokai. Kamfanin a taron na a halin da ake ciki inda su p / s fanko, za a iya yi amfani da bankin kudi biya ta wajibobi zuwa wasu abokai. A lokacin samu kudi ga asusun na banki rubuta kashe wani ɓangare daga gare su a kan lissafi na biya bashi, da kuma sauran zauna a cikin asusun.

A nan gaba, da sabis da aka ci gaba a cikin filin na Retail banki da kuma zama da aka sani a matsayin "overdraft ga mutane." A makirci na arziki, kuma yin amfani da aro kudi ne m zuwa makirci na sabis kamfanoni. Simplistically banki overdraft za a iya bayyana kamar haka.

Rashin kudi a lokacin da biyan overdraft → Amfani da biyan bashin kaya / sabis → quenching tare da canjawa wuri kudi ga asusun na m

Sberbank katin da overdraft aiki

Mene ne overdraft cards, ka karanta a sama. Sberbank - shi ne ya fi kowa ne kuma abin dogara banki a Rasha, don haka da yawa da shi ya zama ban sha'awa abin overdraft katin na Sberbank na Rasha. Bari mu fara daga farko.

Mene ne overdraft katin na Sberbank na Rasha? Wannan albashi katin na wani mutum da alaka da ayyuka na overdraft (aron gajere banki kudi).

Overdraft katin Sberbank bayar lokacin da ake ji wa wani reshe na bankin da kuma samar da wani kunshin da takardu (da idan albashi ku a halin yanzu samun ta hanyar ɓangare na uku bankuna).

1. Aikace-aikace don wannan sabis.
2. Fasfo.
3. Bokan da m kwafi na aikin littafin.
4. An samun kudin shiga bayani ko bayani na asusu tare da wani banki.

Idan ka kamfanin ya riga ya yi aiki a cikin Savings Bank, da kuma katin da ka yi a kan hannunsa, dangane da sabis zai kasance da yawa sauki. Koma zuwa reshe na bankin da fasfo da kuma taswira, da kuma Savings Bank of wani ma'aikaci iya haɗa wani aikin.

Sharuddan katin da wani overdraft Ginin

Kamar kowane banki sabis, tare da wani aikin taswirar overdraft samuwa ne a wani yanayi. A cikin hali na yin amfani da aro kudi a cikin adadin banki overdraft amfani zargin. Sberbank sha'awa kudi ne 18% a kowace shekara. A kudi ne low farko duba. Duk da haka, akwai muhimmanci bayanai abokin ciniki bukatar da za a dauka cikin la'akari da.

1. Mai ta'addi ba ne fraught tare da karuwa a cikin sha'awa kudi to 36% a kowace shekara.
2. Dates extinguishing jamiái suna da iyaka akan lokaci da kuma adadin zuwa 1 ga watan. Asalinsu yi nufi ga irin wannan katin cewa kudi da aka canjawa wuri zuwa sunanka ba kasa da 1 lokaci da watan.
3. Overdraft ba samar for Grace-lokaci (lokacin da sha'awa ga yin amfani da ba a caje).

Overdraft Map Savings Bank. Ta yaya zan san iyaka?

Mene ne overdraft katunan Savings Bank of Rasha, ku sani. Da kuma yadda ka san iyakar? The Bank calculates wani overdraft iyaka ga kowane abokin ciniki akayi daban-daban. The adadin overdraft, bisa ga dokoki na banki a jiki mutane ba fiye da 50% na wata-wata da samun kudin shiga. Domin doka abokai, shi da aka lasafta bisa ga talakawan darajar riba a cikin past 'yan watanni (watanni shida). The girma na overdraft zai zama 40% na wannan darajar.

Har ila yau, a kan katin da iyaka za a iya samu ta hanyar da sabis Sberbank online. A keɓaɓɓen account, za ka ga bayani game da girman da overdraft bashin da za su iya tantance su da halin kaka tare da wani banki sanarwa.

Overdrafts da rance

Idan muka kwatanta da yanayin domin samun mabukaci bashi da overdraft a kan albashi katin, shi ne mafi m ga borrower zai zama na farko da wani zaɓi. Interest rates da rance adadin ne mafi m, musamman idan ka shirya sayan tsada kayan aiki ko dukiya wanda darajar wuce iyaka daga overdraft.

Katunan bashi kuma za a iya daukarsa a matsayin mafi m idan aka kwatanta da overdraft, musamman idan quenching ya auku a lokacin alheri lokacin. Tun da ban sha'awa Bank a cikin wannan hali, ba laifi.

Sharuddan overdraft

The mutum a tuntube da banki da wani aikace-aikace don wani overdraft, dole ne hadu wasu bukatun na bashi cibiyoyin.

1. Cigaba da sabis aiki dole ne su kasance a kalla 6 watanni, a wannan wuri da kuma a lokacin na lura da wani mutum dole ne a aiki da m.
2. Ya kamata ka ba da fice rance a wannan lokacin. Bankin overdrafts ne mafi shirye don samar da abokan ciniki tare da m bashi tarihi. Wannan bukata shi ne a hankali na banki daidai da ciki takardun na Retail Banking.
3. The Bank iya yin da'awar dangantawa da rajista. Alal misali, don samar da wani overdraft ga abokin ciniki, wanda aka yi amfani da su wani reshe na bankin a yankin na zama.
4. Sauran bukatun da suka shafi samun kudin shiga na wani mutum ko kungiyoyi.

Disadvantages overdraft cards

Idan amfani da wani gagarumin rabo daga overdraft da iyaka, albashi yaba wa asusunka bazai isa ga ta da cikakken nau'i nau'i. Kuma lokacin da bashin biyan bashin da katin overdraft da wuya, 1 ga watan. Saboda haka muna da yawa fãce ga watan gobe, a rahoton a kan nasu kudi daga wasu kafofin. Wannan shi ne musamman m. Bayan duk, idan wannan ba yi, da overdraft ba za a rufe, kuma accrued amfani zai riga ya zama 36% a kan saura daga cikin bashi. Wancan ne, ku ƙwarai overpay a karshen.

Domin amfani da sabis dole ka biya wani overdraft, kazalika domin asusunka tabbatarwa. The adadin overdraft ne ta atomatik deducted daga katin sau daya a shekara. Caji da bugun fanareti ga marigayi biya cajin ga abokin ciniki, ba su da asusun na abokai ba da aka jera a kan lokacin da ka biya.

Abũbuwan amfãni daga cards da overdraft

Mene ne overdraft cards da kuma abin da suke su amfãni, karanta on. Babban amfani da shi za a iya kira da bukatun don samun shi. Musamman idan kai ne riga mai memba na Savings Bank of albashi aikin. Katin da wani overdraft da iyaka, yawanci bayar ga visa da kuma MasterCard biyan bashin tsarin ne ba a kasa da misali matakin (abin da ake kira social katin ba samar ga wanzuwar kuma overdraft connection).

Dace biyan bashin a kan overdraft da kuma miƙa kudi a lokacin da ka bincika account - garanti da salama. A wannan yanayin, da overpayment don samar da gajere aro ba zai auku, kuma overdraft ya rufe (sake saita zuwa sifili). Bugu da ari amfani ne ci gaba tare da misali sigogi: 18% da kuma 1 ga watan for biyan bashin.

Tips kambun overdraft cards

Koyi game da ayyuka samuwa a kan taswira a hanyoyi da dama:

• a lokacin da nufin lissafin kudi sashen na m.
• a cikin sirri account a shafin na sabis banki.

Don kauce wa ƙarin halin kaka hade tare da biyan accrued amfani, tara, ko fenariti, dole ne ka kullum saka idanu da zare kudi account. Wasu tashoshi (ATMs) iya nuna jimlar adadin samuwa kudi, ciki har da overdraft da kuma accrued albashi.

ya dauke da tsabar kudi ma'amala ko biyan bashin kaya / sabis yi kyau gaba rana bayan zargin shi ne, ba ko da yaushe kudi - accrued Hakkin - shigar da lissafi da sauri. Za ka iya samun fasaha da matsaloli, da kuma rubuta-kashe za su zamanto saboda da overdraft, kamar yadda ta adadin ne ko da yaushe a ka dashi.