Ukwaziswa ngokuthi i-overdraft iyini, ingasiza uma kwenzeka isidingo esiphuthumayo sokwamukela imali. Kweminye amaphuzu, ngokuphambene nalokho, lo msebenzi udala umsindo othile. Uma kungekho sidingo sezinsiza ezengeziwe zokushintshisana kwamanye amazwe, umnini wekhadi lesikweletu kufanele ahlale egcina umkhawulo othile kuwo. Ukuvumelanisa nohlelo olunjalo, udinga ukutadisha inkontileka ngokuningiliziwe, ukuze ungadluli inzalo eyengeziwe.
Iyini i-overdraft ebhange?
Insizakalo ye-overdraft eyanikezwa ngabanye kanye nezinhlangano zomthetho ngokuvamile ihlelo lokubolekisa ngezimo ezikhethekile zomuntu ngamunye. Izici zalo zimi kanje:
- ukudluliselwa kwezimali kwi-akhawunti yamanje yamakhasimende;
- inani lesikweletu libhalwa ngaphandle kwanoma yiliphi imali;
- Izinga lentela lokudoba ngokweqile lilawulwa yibhange - kungenzeka ukuthi lingekho, liye kuphela uma kwenzeka likhokha ngemuva noma lihluka kuye ngokuthi ibhalansi;
- I-Overdraft, njengomthetho, inikeza amanani amancane isikhathi esincane - isikhathi senkinga yezimali yesikhashana.
Iyini i-overdraft ekhadini?
Amakhadi ane-overdrafts asakazwa kabanzi. Ezimweni eziningi, babelwa i-akhawunti yamanje yamakhasimende, lapho ethola khona umholo noma i-akhawunti yediphozi. Ukusetshenziswa kwe-overdraft - ukudluliselwa kwebhange kwi-akhawunti yomthengi inani elichazwe enkontileka, elizobe likhona esikhathini esithile.
Ekupheleni kwalesi sikhathi, iklayenti inesibopho sokukhokha imali nenzalo, kuye ngokwemigomo yesivumelwano. Uma izimali ezingeziwe zingadingeki kuklayenti, angeke azichithe, egcina umkhawulo wokukhipha imali noma wenqabe leyo nsizakalo. Ngesikhathi esifanayo, udinga ukukhumbula ukuthi udinga kangakanani ukugcina ekhadini - lokhu kungenye yezinto ezingenakwenzeka zomkhiqizo onjalo webhange.
Iyini i-overdraft evunyelwe?
Njengomthetho, i-overdraft etholakalayo ibalwa ngokwemali engenayo ezayo kwi-akhawunti yamanje yamakhasimende. Ngezinye izikhathi insizakalo enjalo ingafakwa ngokuzenzekelayo efakwe kumholo wekhasimende. Isitifiketi sokuqashwa singasebenza njengenzuzo eqinisekisiwe. Ukubhaliswa kwe-Overdraft kungadinga ulwazi olwengeziwe:
- ukubhaliswa okungapheli;
- ukuqinisekiswa kohlelo lokusebenza;
- akukho sikweletu kwezinye izikweletu.
Umkhawulo we-overdraft - uyini?
Kuzo zonke izimo, ukuhlinzekwa kwe-overdraft kuhambisane nomkhawulo emkhakheni wezimali ezisetshenzisiwe. Umkhawulo inani elingasetshenziswa iklayenti ngezinhloso zomuntu siqu futhi kufanele libuyiselwe ngaphakathi kwesikhathi esithile. Ezimweni eziningi, kubalwa njengephesenti yemali yemali kwi-akhawunti yokukhokha kanye nenzuzo yabo. Isimo esengeziwe sokusebenzisa i-overdraft etholakalayo kungase kube ukunciphisa umkhawulo wokuhoxisa imali nokwanda kwawo lapho kugcwalisa i-akhawunti.
I-overdraft ihluke kanjani kumalimboleko?
Kungakhathaliseki ukuthi umsebenzi owodwa - ukukhishwa kwemali yokusetshenziswa kwamakhasimende nokubuya kwawo okulandelayo ngenzalo nangaphandle, umehluko phakathi kwe-overdraft nekhredithi isaphila. Izici ezilandelayo ezihlukanisayo zingahlukaniswa:
- Njengomthetho, i-mboleko ihlinzeka ngezimali zemali ngenzalo ethintekayo echazwe enkontileka, kanye ne-overdraft ngaphandle kwayo uma kwenzeka ukubuyiselwa imali ngesikhathi esifanele. Uma inkokhelo ye-overdraft isiphelile, inzalo kuyo ingaba enkulu kunaleyo yokukhokhwa ngokweqile emgqeni wesikweletu.
- I-Overdraft, njengombuso, ayidingi isiqiniseko semali engenayo, kodwa iphinde isebenzise imali encane kakhulu kunomboleko.
- Inani lemalimboleko lixhomeke ekuxazululeni kwekhasimende, kanti inani lokukhishwa kwezimali ngokweqile livela kumholo ofika kwi-akhawunti ethize noma inani lemali engenayo kulo.
Yini eyingozi kubantu abaningi?
Ukuba nokuthola imali ethile, umuntu angakhohlwa ngokukhokha isikweletu ebhange. Lokhu kuthiwa yi-technical overdraft - isikweletu uma ukhokha imali. Ezimweni eziningi, kwenzeka uma umkhawulo otholakale uphelelwa yisivumelwano ngaphansi kwe-overdraft. Kulesi simo, ngaphezu kokukhokhwa okuyinhloko ngaphansi kwenkontileka, kungabalwa inzalo yokubambezeleka kokukhokha, okuphindwe izikhathi eziningana kunani eliqashiwe.
Kukhona amacala lapho ikhasimende lihoxisa ngengozi ku-akhawunti ngaphezu kwemali evamile, ehlanganisa izimali ezinikezwe yibhange. Ngenxa yezenzo ezinjalo kungenzeka ukuthi uboshwe futhi ukhokhe imali eyengeziwe. Ngezinye izikhathi uma kukhishwa ikhadi elisha, insizakalo ye-overdraft ixhumeke ngokuzenzekelayo kuyo, futhi uma ikhasimende engazi ngakho, lingakhokha imali enkulu kakhulu. Ngakho-ke kubalulekile ukuhlola wonke amasevisi abelwe ekhadini lebhange. Thatha i-overdraft bese ukhohlwa mayelana nesidingo sokugcina umkhawulo ku-akhawunti - leyo yingozi enkulu kuklayenti.
Indlela yokuxhuma i-overdraft?
Ngemva kokuqonda okushiwo yi-overdraft, iklayenti inquma ukuthi uhlelo olunjalo luyadingeka noma cha. Uma kwenzeka impendulo enhle, kufanele uxhumane nehhovisi lebhange ukuze uphethe isivumelwano. Inqubo yokuxhuma i-overdraft ingashintsha ebhange ngalinye. Kwezinye izimo, ixhunyiwe ngokuzenzakalelayo. Ngendlela efanayo, umkhawulo ongenakuthola ubalwa - kuye ngokuthi imali engenayo yenyanga kanye nenzuzo yezimali ku-akhawunti.
Ezimweni eziningi, idokhumenti yesazisi kuphela, amanothi amakhasimende angadinga iphepha elithile:
- umsebenzi wencwadi;
- ubufakazi bokuthola imali;
- izitatimende ze-akhawunti.
Ungakhubaza kanjani i-overdraft?
Uma kunesidingo, isevisi ye-overdraft ingavalwa. Ngalesi senzo, kufanelekile ukuxhumana nebhange ukuze uqede isivumelwano. Omunye wemibandela yesenzo esinjalo kuyoba ukungabikho kwezikweletu ngaphansi kwalolu hlelo. Ezikhungweni ezahlukene zezezimali kunezimo ezihlukahlukene zokuhlinzekwa komkhiqizo onjalo wezezimali. Zibhaliswe ngempela enkonzweni. Uma kunesimo sokuthi i-overdraft ayikwazi ukukhishwa, uma usayina isivumelwano, ungacacisa umkhawulo we-zero wokuhlinzeka ngemali.
Akukhathaleki ukuthi iklayenti ikhetha - inkokhelo noma uhlelo lwe-overdraft, udinga ukucabangela ukuthi kokubili imikhiqizo yasebhange ixhunywe nokuxhaswa kwezezimali. Intshisekelo yokusetshenziswa kwezimali zebhange kanye nemigomo yokwakheka kwayo ingashintsha, ngakho-ke, kungakhathaliseki ukuthi ukulinga isilingo, kubalulekile ukukhumbula ukuthi yikuphi ukukhokhelwa kwezimali, futhi yiziphi izingozi zezimali ezingase zihlotshaniswe nazo.