Overdraft - ndiko kuti: mari chikwereti kana chikwereti?

Mumwe munhu anoedza kuchengetedza zvinyorwa zvake mari yayo. Vanokwanisa kwakanyorwa inotengwa kana kwete kunobva kwakajairika uchenjeri, mano kutarisira kuitika uye intuitions zvemari. Panguva iyoyo zvakaoma kuwana munhu asingadi kuti kukwereta mari. Kuziva kuchiunza mari pakati neshamwari nehama, uyewo kudiwa tsananguro, kwete zvakafanira kana une overdraft. Chii? Zvine kwakasiyana chikwereti? Kuziva mhinduro yemibvunzo iyi kuchaita mari nechivimbo uye zvoupfumi kuverenga. Izvi zviri kuzoita.

Zvinoita kudaro akafanana German shoko "overdraft" chokwadi - yokuronda kubva Chirungu, uye rinoreva "pfupi-rokuti chikwereti." Kunopiwa zviri chakavimbika kupfuura vatengi vari bhangi riri uwandu pre-vakabvumirana uwandu.

Izvi zvinoreva zviri pamutemo mibvunzo yakapiwa kuti unobvumirana kutora imwe overdraft. Imhandoi chikwereti? Ndezvipi zvinhu? kana kunobatsira? The overdraft chikwereti rakasiyana kadhi rechikwereti?

Kubhangi overdraft kunzwisisa - hazvina kunyange chikwereti. Izvi mukana kutora kadhi anaro kubhengi wamakapa vamwe mari, mukati muganhu nokuda accrual inotevera mari yokuwedzera.

The tsva chitsama overdraft anogara pamusoro cardholders. Chokwadi, nokukwereta haana kusununguka. Zvikwereti muripo rakatsvuka, uye mumwe chikamu chesungano. Kazhinji chaizvo kupfuura zvatinosiita kunzwisisa kwedu kwezvikwereti.

Chimwe musiyano - chemhosva chikwereti anoitwa yunifomu (pamwe mubereko) mari panguva kupinda kadhi kunoreva nguva muhoro. Nepo kadhi chikwereti inowanzopiwa akoromoka kupinda akatevedzana zvakaenzana mubereko isina mari iri waiti nguva.

Kakawanda, kukura overdraft debit kadhi kunoenderana ukuru avhareji pamwedzi anyorese uye kazhinji asingachengeti kusapfuudza munhu nhamba nerimwe muridzi. Saka, kuerera mari shure zvakazara kubhengi chikwereti kuuya.

Tapota ona kuti mwene zvavo, kwete chikwereti, makadhi vanogona kuva nyore nyore anokwereta netsaona. Somuenzaniso, kana ari Payroll iri kunonoka, uye nemhosva haazivi nezvazvo, zvichiita kutenga zvakafanira, achitarisira zvinhu inopiwa pasi chibvumirano ive overdraft. Chii kuunganidza mari iri iyo yaidhura kupfuura zvaaitarisira, muridzi kadhi anogona chete kuwana pashure mwedzi.

Kukarukureta ndeyokuita kadhi iri priori haagoni kuva nokuda zvachero mutengi.

The drawback chikuru pamusoro overdraft - chikwereti musungo. Kakawanda vanhu havana kufanira mune mari basa mubayiro. Pocherpnuv overdraft Zvivako kamwe, ipapo havana nguva kubhadhara chikwereti nenguva. uwandu ichi chikwereti kubva mwedzi nomwedzi, tichisiya ezvinhu kubhengi mubereko.

Kana ukasarudza kana unodzidza zvose pamusoro overdraft, kuti pfungwa yacho kubhangi hazvikubatsiriyi kwamuri, kuti kurirasa. Asi kune simba majeure, kana zvakakodzera chaizvo. Just kungwarira "misungo" pamusoro overdraft, uye kushandisa nokuchenjera.