Ukukhuselwa kwe-Overdraft kwenza kube lula ukusebenzisa imali engaphezulu kunokuba ukhona kwi-akhawunti yakho yokujonga, enokukunceda ngxakeko okanye ukuba amaxesha athatyathele okwesikhashana, ukuthetha ngezezimali.
Ibhanki zabathengi zisetyenziselwa ukuzenzekela ngokuzenzekelayo le nxalenye kuzo zonke i-akhawunti zokujonga, kodwa namhlanje ufanele ungene kuyo, okanye ucele, ukusebenzisa le nkonzo. Unokufumanisa ukuba awufuni ukukhuselwa kwe-overdraft kuba ingaba yindleko kwaye ngamanye amaxesha abantu bangcono ngaphandle kwayo.
Iimpawu zoKhuseleko lwe-Overdraft
Ukuba unokhuseleko lwe-overdraft kwi-akhawunti yakho kwaye ibhalansi yakho iya kuphazamiseka, ibhanki iya kuhlawula iintlawulo ezithile. Kuthetha ukuba kufuneka uchithe i-$ 100 ngekhadi lakho lokubambisa kodwa ungenayo i-$ 100 kwi-akhawunti yakho yokukhangela, okanye mhlawumbi unayo imali kwi-akhawunti yakho kodwa ayifumanekanga ukuchitha .
Ibhanki isenokuthi ivume ukuhlawula, ekuvumela ukuba ugqibezele ukuthenga kwakho, kwaye emva koko akuxelele ukuba balindele ukuba ufake imali ngokukhawuleza ukufihla i-$ 100.
Uza kufumana ibhanki ibe nemida eyahlukileyo kwixabiso le dollar ukuba icebo lokukhusela i-overdraft lihlanganisa.
Kwakhona, unokuba nelungelo lokuchithwa xa uhlala ubhala iireki ngaphaya kwe-balance balance.
Okuhle nokubi
Okona kubaluleke kakhulu, kubiza imali ukuba ibe ne-overdrafts. Isizathu sokuba unalo ukuba ungenayo imali eyaneleyo, kwaye ngoku ngeemali ze-overdraft, uya kuba neyona nto.
Uyabona ukuba ukukhuselwa kwe-overdraft akusikuncedi ixesha elide.
Kweminye, inzuzo enkulu yokukhuselwa kwe-overdraft kukuba i-party eyayifumana isheke yakho ayiyazi ukuba uyifutshane ngemali xa ubanike isheke. Oku kunceda uphephe ukuhlazeka, ngakumbi ukuba ubhala isheke kumhlobo okanye kumashishini.
Ukukhuselwa kwe-Overdraft kukukunceda ukuba ugweme izigwebo okanye iifizi zokugqibela xa ubhala isheke ukuze ukhokhe imali yakho yokuhlawulwa kwemali, ikhadi lekhredithi okanye enye ibhajethi ngaphambi komhla wokugqibela.
Njengenye inzuzo, unokuphepha ukuhlawula iifizi zokukhangela kwiintengiso, ucinga ukuba uhlawula ngetshekhi. Ukuba awunakho ukukhuselwa kwe-overdraft, kufuneka uhlawule umrhumo we-Non-Sufficient Funds (NSF) kwi-bhanki yakho kunye nemali eyongeziweyo yokubuyiselwa imali kumthengisi. Ekugqibeleni, unokuphelisa ngeengxelo ezimbi kwifayile yakho yeChexSystems .
Iindleko ze-Overdraft Protection
Amabhanki awanakho ukubonelela ngokukhusela i-overdraft mahhala. Bahlawula iirhafu ezithile ukuze bakugcine ekusebenziseni kakubi inkonzo, kwaye ngenxa yokuba kudala umthombo wemali ebhanki. Qinisekisa ukuba uyayiqonda iindleko ezinokwenzeka ngaphambi kokuba ungeze uphawu lokukhusela i-overdraft kwi-akhawunti yakho. Ihlawuliso iya kufana neyofana neyomali yeNgxowa-mali engabikhoyo.
Emva koko, unokufumana iindleko zenzalo. Ngokuxhomekeke kwisicwangciso sakho sokukhusela i-overdraft, imali yakho ye-overdraft inokuthi ithathwa njengemali-mboleko. Kwimeko apho, ibhanki ityala inzala uze uhlawule. Olu khetho, olubizwa ngokuba ngumgca-mboleko we-creditre , ngokuqhelekileyo lubiza kakhulu kunokuba uhlawule umrhumo weplati nganye ye-overdraft ehlasela i-akhawunti yakho.
Ekugqibeleni, ukuba usebenzisa i-overdraft ukukhusela kaninzi, kunokukuvumela ukuba ungene kwimikhwa emibi ekugqibeleni ixabisa kakhulu ixesha lokuphila kwakho. Ngokuxhomekeka kokukhuselwa kwe-overdraft kungabonakalisa ukuba unokuzuza ngokufunda ukulawula kakuhle ukuhamba kwemali yakho.
Nangona ukuhlolwa kwee-bounced akubonakalisi kwi- credit report yakho ngokukhawuleza, kunokuchaphazela indlela amabhanki amancinci kunye neemanyano zemali-mboleko ezivandlakisayo ngayo. Zingakhohlisa imali eninzi, zikhokelela kwiintlawulo zomntu kunye nolwaphulo-mthetho , kwaye ekugqibeleni zilimaze i-credit yakho.
Ukunciphisa iMali
Ukuba ufumanisa ukuba wenza ngcono ngeprogram yokukhusela i-overdraft, jonga iibhanki ezahlukeneyo ukuze unciphise iindleko zakho. Emva kwakho konke, kungcono ukugcina imali eninzi kunokwenzeka ngezinye iindleko, kunokuba ube nesetyenziselwe ukuhlawula iifizi zokukhangela. Ngezantsi uzakufumana imibuzo ethile ukucela ibhanki, ezo ziya kunceda ufumane isicwangciso sokukhusela i-overdraft engcono kakhulu:
Ingaba kukho umyinge wenzala okanye umrhumo wendleko kwi-overdrafts? Ngokuxhomekeke kwixesha elide nomlinganiselo we-overdrafts oyifumanayo, enye indlela inokuhlawula ngaphantsi komnye.
Ngaba unokudibanisa i-akhawunti yakho yokutshekisha kwimvelaphi yemali eya kusetyenziswa ngaphambi kokuba i-overdraft isici? Ukuba unako ukudibanisa ikhadi lesikweletu, okanye kungcono kodwa i-akhawunti yokulondoloza ukukrazula imali, ungayigcina i-paydraft fee.
Ingaba i-overdraft line line-credit card ingaba yinzuzo kuwe? Buza ibhanki yakho ukuba yiyiphi indlela ayifumane yona. Fumana ngokuchanekileyo indlela inkqubo nganye isebenza ngayo kunye nemiphumo yokukhetha ngamnye.
Njengoko ucinga ukuba, indlela engcono yokunciphisa iindleko zokukhusela i-overdraft ukukhusela i-overdrafts. Ngaphandle kokwenza ulandelelwano lwezemali oluyisiseko usebenzisa irejista yengheke, ungagcina iithebhu kwiibhanki zakho zebhanki yakho ngokusebenzisa ibhanki ye-intanethi, okanye iinkqubo zebhanki kwi-fowuni yakho, ukuqinisekisa ubungakanani bemali kwi-akhawunti yakho yokujonga.
Ukuba uyazi ukuba uya kubakho kwi-cash-crunch kwikamva elikufutshane, kunokukunceda ukujongana neemeko ngokukhawuleza. Xa uhlahlo lwabiwo-mali luthi uya kuba phantsi kwekheshi, jonga iindlela zokwelula intlawulo ngenxa yemini iintsuku ezimbalwa ezongezelelweyo.
Ungabiza iqela elikweleta ngetekethi kuye, njengenkampani yekhadi lesikweletu, umnini-mboleko wezemali okanye inkampani yokubonelela, khankanya ukungabikho kwemali okwangoku, kwaye ucele ukuba banokulinda iintsuku ezimbalwa zokuhlawulwa kwakho. Kukwabulumko ukubuza ukuba ngaba bayakwazi ukukhupha iimali zokugqibela emva kokuba ubiza phambili ukuba ubazise.
Unokunciphisa iingxaki xa ugcina iithebhu rhoqo kwi-akhawunti yokujonga i-akhawunti yakho, kunye nenqaku kuyo nayiphi na isheke esele ibhaliwe kodwa engasayi kucima i-akhawunti yakho yasebhanki.
Ngaba i-Overdraft Imali engekho mthethweni?
Ngomhla ka-Julayi ka-2010, umthetho we-federal utshintshile ukuba iibhanki kunye neemanyano zeentengo zemali zivunyelwe ukuhlawula iirhafu ze-overdraft. Kwakhona, iibhanki ezisetyenziselwa ukuzenzekela ngokuzenzekelayo ukhuseleko lwe-overdraft kwi-akhawunti yakho, kwaye kwakungekho ndlela yokuphuma kulo "khuselo."
Ngenxa yoko, abathengi bahlawula iibhiliyoni kwiimali kwiibhanki ngenxa yeeposiso ezilula kwi-akhawunti yabo yokujonga. Umzekelo oqhelekileyo wawuyi-$ 38 ye-latte- $ 3 yekhofi kunye ne-$ 35 yokuhlawulwa kwe-overdraft.
Amabhanki ayadingeka ukuba avumele ukukhishwa kwe-overdraft kwaye unikezele kuphela umgangatho kubathengi abangena kuyo, kodwa abathengi bahlawula imali ye-overdraft kwezinye iimeko ngaphandle kokungena. Iimeko ezimbini zingenza ukuba kubekho i-paydraft engalindelekanga:
Ibhanki iphula umthetho kwaye ihlawula abathengi ngokungekho mthethweni, okungenakwenzeka kodwa kwenzeka ngokuqinisekileyo
Umgwebi wawungeyona enye yexesha "lexesha elilodwa" ehlawulwa ngumthetho we-overdraft
Unokuphikisa ukuba ngaba umthetho awufanelekanga ngokubanzi ngokuchaziweyo ngokubanzi, kodwa umthetho okhoyo awukhuseli kwiintlobo ezithile zokurhoxiswa kwee-overdrafts njengeentlawulo eziphindaphindiweyo ezenza ibhalansi ye-akhawunti phantsi kwe-zero.