Yintoni i-Overdraft Protection?
Ukukhuselwa kwe-Overdraft yinto ebonelelwa ngamabhanki ukugcina i-akhawunti yakho yokujonga kwi-overdrafting kunye ne-paydraft. I-overdraft ivela xa ubhala isheke okanye uswayipha ikhadi lakho lokubambisa kodwa ungenayo imali eyaneleyo kwiakhawunti yakho yokukhangela ukuxhasa ngokupheleleyo ukuthengiselana. Ukukhusela i-Overdraft idibanisa i-akhawunti yakho yokujonga kwi-akhawunti yokulondoloza, ikhadi lekhredithi, okanye umgca wekhredithi kunye nokusetyenziswa kwe-akhawunti ukuba ihlawule intengiso eya kuba yenze enye imali ibangele i-overdraft.
Ngaphandle kokukhuselwa kwe-overdraft, nayiphi na intsebenzo engaphezu kwexabiso kwi-akhawunti yakho yokukhangela iya kunqatshwa. Ibhanki yakho iya kukuhlawulisa imali engenayo imali kunye nomrhwebi oye wanikezela intlawulo uya kuhlawula umrhumo ngaphezu kwexabiso lemali yokuqala.
Ukusebenzisa ikhadi lekhredithi okanye umgca wekhredithi ngokukhuselwa kwe-overdraft, imbali yakho yematyala kufuneka ibe yanele ngokwaneleyo ukufumana imveliso yemboleko. Kuya kufuneka ukuba ube neakhawunti yokujonga kunye nemveliso yekhredithi kwibhanki elifanayo. Iikhrayitheriya ezichanekileyo zemfundo ziyahlukahluka ngebhanki.
I-Credit Card kunye neNqila yeMboleko ye-Overdraft Protection
Ikhredithi yakho inokuba nefuthe xa ukhuseleko lwakho lwe-overdraft ludibene nekhadi lesikweletu okanye umgca we-credit. Abanye abakhupha amakhadi ekhredithi baphatha iintlawulo ze-overdraft njengengqali- mali . Oku kwenza ukukhuselwa kwe-overdraft kubiza kakhulu kuba ukunyuka kwemali kunokuba nexabiso eliphezulu, akukho xesha lobabalo, kunye nemali yokuhlawula imali.
Unokuphelisa ukuhlawula ngokukhawuleza, kwaye mhlawumbi ngaphezulu, malunga nokuhamba kwangaphambili kwemali njengoko ubuya kuhlawula imali ye-overdraft.
Xa i-overdraft yakho ixhunyiwe kumgca wekhredithi, unobungozi bokuhlawula imali kwi-overdraft xa ungayikhokheli ibhalansi ngaphambi kokuba ixesha lobabalo liphume - ukuba kukho ixesha lobabalo.
Ukuba usunayo ibhalansi kumgca wakho wekhredithi, i-overdraft iya kufakwa kwikholeji yakho yangoku.
Ukuba awunayo i- kredithi efumanekayo , unokuhlawuliswa imali ye-overdraft.
Impembelelo Kwimali Yakho
Ukukhuselwa kwe-overdraft kuthetha ukukhusela kwiingxaki ezibangelwa ukungabi nemali eyaneleyo kwi-akhawunti yakho yokujonga. Nangona kunjalo, ukuba awukwazi ukukwazi ukukhupha i-overdraft, unokufumana ubunzima obubi. Ngokomzekelo, ukuba i-akhawunti yakho ibuyele kwikhadi lakho lesikweletu kwaye ulahleke kamva ukuhlawulwa kwekhadi lakho lekhredithi okanye ukusilela kwikhadi lesikweletu, umlinganiselo wakho wekredithi uza kubonakaliswa.
Ukhetho loKhuselo lwe-Overdraft
Iibhanki ngoku kufuneka zicele ukuba ungene okanye ungene kwiimirhumo ze-overdraft. Ukuba ukhetha ukuphuma, ibhanki yakho iya kubakho ukuthengiselana okukhulu kunokuba ibhalansi yekhawunti yokujonga. Kunoko, unokuhlawulwa imali engenayo eyimali kwaye uya kufuneka unakekele ukuthengiselana nomrhwebi. Ngokomzekelo, kuya kufuneka uye kumrhwebi uze uhlawule isheke okanye ikhadi lokuthengiswa kwekhadi.
Ukukhetha ukungena kwemali ye-overdraft kuthetha ibhanki yakho iya kuqhuba intsebenzo ephezulu kunokuba i-balance check account yakho kwaye uya kuhlawuliswa imali ye-overdraft.