All individuals and legal entities that haveBank account, can optionally issue a loan in the form of overdraft. The word “credit” is understandable even to a schoolboy today, but what each overdraft means and why it cannot be called a loan is not known to everyone.
If you need to close a hole in billingturnover, it is possible to issue not a bank loan with huge interest rates, but an overdraft. Suppose you have a bank account, you use it not only for profit, but also for deducting certain amounts to the customer. At some point, the required amount was not in the account, and you need to transfer money as quickly as possible. Receipt of funds to your account should occur in a day, but the customer can not wait. To transfer money to the customer urgently, an overdraft card is used. This type of loan should not be confused with a loan or other financial transaction. At registration a certain type of card is issued - overdraft.
To make the term more clear "overdraft card ", what is this, here is a concrete example with numbers on which you can understand how this type of loan works.
In the morning on the balance of the entrepreneur 10 000 rubles.That day he goes to the bank and signs an agreement to open an overdraft limit in the amount of 1,000,000 rubles. Using a paper carrier, the entrepreneur gives the bank an order in the amount of 100,000 rubles. The necessary money is transferred to the counterparty by the bank, including through an overdraft. It turns out that an overdraft entrepreneur owes the bank 90,000 rubles, but he still has 910,000 rubles in the limit, which he can use if necessary.
Suppose the next day to the accountthe entrepreneur receives an amount of 120,000 (for example, the counterparty transferred the money). The overdraft loan is repaid, and the free limit of funds that an entrepreneur can use is again restored. It turns out, the next day at his disposal again the amount of 1,000,000 rubles. Here you have a hand-painted example that reveals the essence of the question of what an overdraft bank card is.
Almost any bank has control overcash, which he gave loans to a legal or physical person. If the borrower has its own business, overdraft is used to pay bills, pay salaries, taxes, prepay for work, pay off loans and so on. The bank will not allow you to use the cash limit in the event that you forgot to pay taxes or loans and a penalty has already been paid on them. If the borrower has such a case, the bank will not allow him even to acquire non-current assets through overdraft.
It is impossible to predict what will happen tomorrow, asgo your business. If you have not calculated your possibilities and the required amount of money has not been deposited into your bank account, then this is not the worst thing, provided that the bank credit limit was not affected. Overdraft card - what about bank debt?
If you still use this viewloan, and the receipt of money in the bank did not happen before the date agreed by the agreement, the payment can be made in cash at the bank. If the borrower has a second account to which the money is constantly received, then you can transfer it to the one where there is overdraft debt. All transactions take place within one working day.
При подписании договора у вас должна быть четко marked the date until which you want to make money. As a rule, this is the 30th day since the opening of the credit limit. Some banks are asked to cover the debt before the 20th day of each month, regardless of the opening date of the limit.
For a bank loan to the borrowerOften you need to have with you a lot of references and documents confirming his solvency. If a large amount of money is required, guarantors may be required. Sberbank overdraft card Visa Classic provided without a pledge of property.It is enough for the bank to see your monthly cash receipts on the account. Based on the amount of cash flow and it is decided how much you will issue an overdraft. It is not excluded that the creditor will require guarantors, it may be the director of the company, the owner, co-owner and other persons related to your type of activity.
Overdraft card - what is it, is it given to everyone?It would seem that if there is an account to which a certain amount of money is regularly received, why should the bank refuse to issue an overdraft? It turns out that using the account is not enough, you also need to have a positive credit history. Before making a decision, the bank will check not one applicant, but the entire enterprise. If it seems to him that it is being liquidated in a couple of months or will not generate income, then the loan will most likely be refused. In addition, the applicant’s current account must be trafficked for at least three months.
With a positive result with the borroweran agreement is made for 180 days or more. Every 30 days the amount in the account must be replenished to cover the overdraft debt. With full repayment of the debt to the bank, the borrower has the right to terminate the contract. It is also allowed to issue a new agreement after 180 days. Interest on such an agreement has always been less than the loan at the bank. The terms of overdraft are much more loyal, since interest on the use of money is charged only on the balance of debt at the end of the working day.
With the resulting debt, the bank has the rightin the shortest time to demand your money, and if you have such a situation, then the blacklist and bad credit history are provided to you. Overdraft is given in one currency, one borrower and in one bank.
Овердрафтная карта - что это для заемщика:benefit or debt pit? Often, a person cannot plan his expenses, and when receiving a salary, he starts buying a bunch of unnecessary things. At the last moment, he recalls that the most important thing has not been acquired, and not all payments have been made on time. You can contact your family and friends for help, but not everyone has friends who can freely borrow the necessary amount of money for several weeks.
Не все любят давать деньги в долг.Many are guided by the following principle: if you want a person to leave your life, lend him money. Why test theory in practice, it is better to simply refuse to debt, citing difficult financial times. Why take a detour, if you can borrow from the bank for the same couple of weeks, and even at low interest rates.
What does an overdraft bank card mean?This phrase from the English language is translated as "overcount". All over the world, this service is gaining popularity every year, not only among businessmen, but also among the ordinary working class. You can independently calculate what limit you can open a bank if the application is approved. The amount of the overdraft will not exceed the average salary of the applicant for three months. If the contributions are regular, the client can withdraw money from the account until the agreement expires.
What does overdraft card mean for physicalfaces? Any working person salary is transferred to the card. If the bank decided to open a credit line, this implies that the overdraft will be covered by salary. In case of dismissal of the employee, the overdraft will have to be repaid in full within several days.
