Ekhutshwe ebhankini engaphezulu - oko kukuthi: ityala imali okanye imali-mboleko?

Umntu ngamnye uzama ukugcina irekhodi mali lwalo. Ngempumelelo ifunyenwe okanye hayi sixhomekeke ubulumko eqhelekileyo, ukukwazi ukuba sizilindele uphuhliso kunye intuitions zemali. Ngelo xesha kunzima ukufumana umntu owayeza kuba kufuneka ndiboleke imali. Ufuna ukufumana umthombo kwemali phakathi abahlobo nezalamane, kwakunye nemfuneko ingcaciso, mfuneko ukuba unayo i overdraft. Yintoni na? Ngaba ihluke-mboleko? Ukwazi iimpendulo zale mibuzo kuya kuphucula ukuzithemba ezingokwezimali nezoqoqosho nokubhala. Ezi oza kuyenza.

Ikhala efana kakhulu igama isiJamani "overdraft" enyanisweni - evela IsiNgesi umkhondo, kwaye lithetha "mboleko elifutshane elide." Ngaphandle kokuba i linokuthenjwa abaxumi ngale yebhanki kwisixa semali pre-wavuma.

Oku kuthetha imibuzo osemthethweni ukuba uyavuma ukuthatha overdraft. Enjani mboleko? Zeziphi iimeko? nokuba kuyingenelo? I-mboleko ebhankini yahlukile ikhadi ngetyala?

I-ovadrafti yebhanki ukuqonda - akukho nkqu mboleko. Eli lithuba lokuba athathe ikhadi umnini kwi ibhanki wandiboleka ethile imali, ngaphakathi umda ngenxa accrual isengqondweni.

Le mali ingasetyenziswanga singenayo usoloko bamakhadi. Kakade ke, ngokuboleka akukho simahla. intlawulo lwetyala ebomvu, yaye ipesenti ethile yesivumelwano. Ngokuqhelekileyo kakhulu ngakumbi kunesiqhelo ukuqonda kwethu mboleko.

Enye mahluko - na intlawulo yetyala yenziwe iyunifom (kunye nenzala) isixa-mali ngexesha lokungena ikhadi ithetha umvuzo rhoqo. Ngelixa amatyala ikhadi lamatyala idla ukwahlulwa ibe uthotho nenzala-free ngokulinganayo ngexesha elimiselweyo.

Amaninzi, ubungakanani ikhadi overdraft debit kuxhomekeke kubukhulu-avareji ababhalisileyo ngenyanga yaye ngokuqhelekileyo ayidluli inani ngamnye kumnikazi ngamnye. Ngoko, ukungena nokuphuma kwemali ezayo ityala bank umva ngokupheleleyo.

Nceda uqaphele ukuba umnini zesiqhelo, hayi ikhredithi, amakhadi angenziwa ngokulula ukuba abe umboleki ngengozi. Umzekelo, ukuba payroll ilibele, kwaye umxhasi akazi ngayo, ukwenza ukuthenga kuyimfuneko, elindele izinto enikiweyo phantsi isivumelwano i overdraft. Yintoni na iindleko yokufumana into ibiza kakhulu kunoko bekulindelwe, umnini-ikhadi kuphela ukufumanisa emva kwenyanga.

Kubalwa nge-credit card akunakuba priori ukuba umthengi nje.

Le ethile ezimbi kakhulu i-ovadrafti - umgibe ngetyala. Kaninzi abantu ungade ungene kwimali eyabelwe imivuzo. izibonelelo overdraft Pocherpnuv kanye, ngoko musa ixesha uhlawule ityala ngexesha. Esi sixa-mali setyala zidluliselwe ukusuka inyanga ngenyanga, eshiya imeko yomdla yebhanki.

Ukuba isigqibo xa ufunda konke malunga ovadrafti, ukuba isindululo le kweebhanki engeluncedo lwanto kuwe, ulahle yinqakrzaze. Kodwa kukho amandla majeure, xa oko kuyimfuneko kakhulu. kuba nje uyazi i "imigibe" le ovadrafti, kwaye uyisebenzise ngobulumko.