Mashoko pamusoro pekuti chii chinotora mari yakawanda, inogona kubatsira kana zvikadiwa zvakakodzera kuwana mari. Pane dzimwe pfungwa, pane zvinopesana, basa iri rinoita runyararo. Kana pasina chikonzero chekuwedzerwa kune dzimwe nyika shanduko, mubati wekadhi rebhadhiro anofanira kugara achichengeta imwe muganhu pairi. Kubvumirana nehurongwa hwakadaro, iwe unoda kudzidza chibvumirano zvakadzama, kuitira kuti urege kudarika chikwereti chinowedzera.
Chii chinonzi overdraft mubhangi?
Basa rekubhadhara mari rinopiwa kune vanhu uye masangano epamutemo kanowanzova purogiramu yekukweretesa nemamiriro evanhu chaiwo. Zvinhu zvaro zvinotevera:
- kuendesa mari kumakambani ekozvino;
- iyo chikwereti chekwereti chakabviswa pasinei nekushamba kwemari;
- chikwereti chechido chekubhadhara chikwereti chinotungamirirwa nebhangi - zvingave zvisipo, zvinongowanikwa chete kana zvichizobhadhara kana zvichisiyana zvichienderana neyeri;
- Overdraft, sekutonga, inopa zviduku zvishoma kwenguva shoma - kwechinguva chematambudziko emari kwenguva pfupi.
Chii chinonzi overdraft pamakadhi?
Makadhi aiva nefredrafts akaparadzirwa zvikuru. Muzviitiko zvakawanda, ivo vanogoverwa kumakambani ekozvino kumuteereri, kwaanogamuchira mubhadharo kana kuti nehomwe yebhadhiro. Iko mari inoshandiswa nebhadhiji inoshandiswa sei - bhanji rinoshandiswa kubhengi yekambani iyo mari inoratidzwa musimboti, iyo ichave iripo kune imwe nguva.
Pakupera kweiyo nguva, muteresi anosungirwa kubhadhara mari uye kufarira, zvichienderana nemirairo yesungano. Kana mari yakawanda isingatariswi kune mutengi, haagoni kuishandisa, kuchengetedza chikwereti chekubhadhara kana kukaramba basa rakadaro. Panguva imwe chete, iwe unofanirwa kuyeuka kuti unoda zvakadini kuchengetedza pamakadhi - ichi ndicho chimwe chezvipingamupinyi zvechigadzirwa chakadaro chebhangi.
Chii chinoregererwa kubhadhara?
Sezvo mutemo, iyo inowanikwa pamusoro pemari inotarirwa zvichienderana nemari inouya kumakambani ekozvino. Dzimwe nguva basa rakadai rinogona kunge riri rinowanzobatanidzwa mumushandi wemushandi weprojekti. Chikwangwani chebasa chinogona kushanda semari yakagadziriswa. Overdraft kubhadhara kunogona kuwedzera mamwe mashoko:
- kuvapo kwekunyora kusingaperi;
- kusimbiswa kwechiitiko chebasa;
- hapana chikwereti pane zvimwe zvikwereti.
Overdraft chikamu - chii ichocho?
Mune zviitiko zvose, kupiwa kwechirongwa chekubhadhara mari kunoperekedzwa nemiganhu pamiganhu yemari inoshandiswa. Muganhu ndiyo mari inogona kushandiswa nemutengi kune zvinangwa zvake uye inofanira kudzorerwa mune imwe nguva. Muzviitiko zvakawanda, inotarirwa se peresenti yemari yemari pabhuku rekugadzirisa uye mutengo wavo. Chimwe chiitiko chekushandisa iyo inowanikwa pamusoro pemari inogona kunge iri kuderedza muganhu wekubvisa mari uye kuwedzerwa kwayo pakuzadzisa iyo nhoroondo.
Iko mari yepamusoro yakasiyana sei nemutero?
Pasinei nebasa rimwechete - kubhadhara mari yekushandiswa kwevatengi uye kudzoka kwavo nekudzoka nekunaka uye pasina, musiyano pakati pemari yepamusoro uye chikwereti ichiripo. Zvinhu zvinotevera zvakasiyana zvinogona kusiyaniswa:
- Sezvo mutemo, chikwereti chinopa mari yemari kune chikwata chakasarudzwa chinotsanangurwa muchibvumirano, uye kubhadharwa kwepamusoro kunze kweizvi kana zvichiitika kudzoka kwemazuva panguva. Kana chikwereti chekubhadhara mari chisati chapera, kufarira kwaro kungave kwakakura kudarika kubhadharwa kune chikwereti chekwereti.
- Overdraft, semitemo, hairevi chivimbo chekuwana mari, asi inopawo kushandiswa kwemari shoma shoma kudarika chikwereti.
- Mari yezvikwereti inobva kune wekweretesi solvency, uye chikwereti chebhadharo chezvebhadharo chinobva pamubhadharo unouya kune imwe nhoroondo kana kuti mari yehupfumi pairi.
Chii chakaipa kudarika kune vamwe?
Kuva nekuwana imwe mari yakawanda, munhu anogona kukanganwa pamusoro pokubhadhara chikwereti kubhengi. Izvi zvinonzi technic overdraft - chikwereti pakubhadhara mari. Muzviitiko zvakawanda, zvinoitika apo muganhu unowanika uri pamusoro pekushanda pasi pechibvumirano chekare. Mumamiriro ezvinhu aya, kunze kwekubhadhara kukuru kune chikamu chebvumirano, zvinogona kuwaniswa kufarira kunonoka pakubhadhara, izvo zvinowanzoverengeka kupfuura mari yakashandiswa.
Pane zviitiko apo muchengeti anokanganisa achibva kubhangi kupfuura mari yakawanda, iyo inosanganisira mari inopiwa nebhangi. Somugumisiro wezviito zvakadai zvinokwanisika kutora uye kubhadhara mari yakawedzerwa. Dzimwe nguva kana kadhi idzva richibudiswa, basa rekubhadhara mari rinowanzobatanidza naro, uye kana mutengi asingazivi nezvazvo, rinogona kubhadhara mari yakawanda yekufarira. Saka zvakakosha kutarisa mabasa ose anopiwa kubhengi. Tora mari yepamusoro uye ukanganwe pamusoro pezvinodiwa kuti uchengetedze muganhu wenyaya - iyo ingozi huru kune mutengi.
Nzira yekubatanidza mari yakawanda sei?
Sezvo achinzwisisa chinangwa chekudarika mari, mutengi anofunga kana chirongwa chakadai chinoda kana kwete. Munyaya yekupindura kwakanaka, unofanira kutumira bhishofisi kugumisa chibvumirano. Nzira yekubatanidza kubhadhara mari yepamusoro inogona kusiyanasiyana pamabhangi ose. Mune zvimwe zviitiko, inowanzobatanidzwa. Saizvozvowo, chikamu chakanaka chinorongwa-zvichienderana nemari yemwedzi uye kubhadhara kwemari pane account.
Muzviitiko zvakawanda, chete chidziro chekuzivikanwa chakakwana, mapepa evatengi angada mamwe mapepa:
- reference reference;
- uchapupu hwekuwana mari;
- nhoroondo dzenyaya.
Nzira yekudzivirira sei overdraft?
Kana zvichidikanwa, basa rekubhadhara mari rinogona kubviswa. Nokuda kwechiito ichi, zvakakodzera kuonana nebhangi kuti ibvise chikamu. Chimwe chezviitiko zvechiito chakadaro chichava kusabhadhara kwechikwereti pasi peyi purogiramu. Munzvimbo dzakasiyana-siyana dzemari kune mamiriro akasiyana-siyana ekupiwa kwechigadzirwa chakadaro chemari. Zvinonyorwa zvakanyorwa muchibvumirano. Kana paine mamiriro ezvinhu ekudarika kwekodhi hakugone kubudiswa, ipapo pakusayina kwechibvumirano, iwe unogona kutsanangura muganhu wezero wekupa mari.
Hazvina mhosva kuti muchengeti anosarudza-chikwereti kana chirongwa chekare, unofanirwa kufunga kuti mabhizimisi ose anowanikwa nehuwandu hwemari. Kufarira kushandiswa kwemari yebhangi uye mazwi ekuwedzera kwavo zvinogona kusiyana, saka, zvisinei kuti zvinoedza sei kuronga, zvakakosha kuyeuka zvinorevei, uye ndezvipi zvinetso zvemari zvingangosanganiswa nazvo.