Overdraft - a hanya don jawo hankalin sabon bashi

Wani amfani da su dogara kawai a kan su ƙarfi da rayuwa a cikin mu wajen, da kuma wani yana zaton cewa shi ne mafi alhẽri saya da ake so abu a yanzu fiye da ajiye da kuma tara. Kowane a cikin nasu dama. Idan duk mutanen zaɓi da farko wani zaɓi, da banki cibiyoyin sun rasa gagarumin samun kudin shiga abu. Kamar yadda lokaci ya fara bayyana more kuma mafi wani iri-iri na rance, daya daga wanda yake shi ne overdraft. Wannan shi ne mai gwada da sabon sabis cewa shi ne iya jawo hankalin har ma fiye da abokan ciniki domin yin amfani da kudi.

Saboda haka, abin da yake mai overdraft? A zahiri fassarar wannan ra'ayi ne da gajere na rance. Duk wani daga sabis na bankin gwani za su iya magana game da amfanin da samfurin, kiyayye shiru yayin da shortcomings. Mafi na kowa albashi overdraft. Wannan samfurin ne sau da yawa bayar ga abokin ciniki tare da wani impeccable bashi tarihi, wanda yana a cikin ma'aikata da asusun. Watau overdraft - shi ne dãɗin a pre-m adadin. A aikace, wannan hanya kama overspending, akwai a kan taswira. Wannan na da amfani a lokacin da ake bukata unplanned kananan adadin. A wasu kalmomin, wata overdraft - wannan shi ne mafi sauki da kuma fi sauri hanya don samun rance da rashin amfani.

Yanayi, amfani ko rashin amfani

Akwai da dama daga siffofin da cewa ba ka damar raba wadannan Concepts. Da fari dai, overdraft da iyaka da aka lasafta gwani a wani musamman dabara da daukan la'akari duk yiwu kasada. Yawancin lokaci shi ba ya wuce albashi, wanda aka kai a kai da aka jera a kan katin. Domin banki cibiyoyin ne sosai dace kamar yadda za a iya da wani mataki na yiwuwa a hango ko hasashen cikin shakka daga events.

Babban drawback ne manyan yawan sabis, wanda aka caje ga yin amfani da kudi. Bugu da kari, duk accrued amfani za a buƙaci ka sāka nan da nan, kuma ba a sassa, kamar yadda shawarar a cikin credits. overdraft lokaci dabam daga 'yan watanni a shekaru da dama.

Bugu da kari, bankin lokaci zuwa lokaci zaune a yanki da solvency na abokin ciniki, da kuma idan akwai shakku game da zarafinshi na kudi alheri, da kwangila iya kare. A sakamakon haka, da borrower za a buƙaci ka nan da nan biya dukan adadin. Wani bambanci daga privychnog na aro shi ne cewa abokin ciniki iya tambayi banki don samar da irin wannan ayyuka kamar yadda overdraft. Wannan shawarar ne kawai wani kudi ma'aikata. Kowane overdraft, da sharuddan da suke mutum, dole ne sosai gyarawa a cikin dacewa kwangila. The Bank zamar masa dole ya sanar da abokin ciniki game da samuwar wannan sabis.

A undoubted amfani da daban-daban overdraft ne ba za mu tattara daban-daban takardun gaskatãwa kudi viability na borrower. Bugu da kari, ya kamata a lura da cewa, bayan dogon samu kudi iya sanya samuwa sake for amfani, wanda ba da misali bashi kayayyakin.