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Adakah Kredit TANPA BUNGA?! Apakah itu overdraft? | pelajaran online tentang keuangan - YouTube
Channel: mono binomo
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We would not like to remind you that life
is unpredictable.
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Was there such a thing that a bike, which
you drive to work is broken, or your favorite
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running shoes are torn to pieces, or maybe
you met a dream girl but there is no money
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for a date?
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That's why we want to share a little life
hack with you and tell you what is of use
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now and what would be in the future!
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Enjoy the video and let鈥檚 go!
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So, today it is just difficult to imagine
our life without bank cards and non-cash payment.
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After all, you must admit that carrying about
a piece of plastic is much easier than heavy
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coins or a cache in your pocket.
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But sometimes, right here and now, you may
need money.
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What to do in this case?
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There are a few ways for you what to do: 1.
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You can borrow money from one of your friends
(but it may be embarrassing).
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2.
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You can get out a loan.
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But first you need to go to the bank, discuss
this decision with your financial adviser
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and only after all that, your loan may be
approved.
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In general, it鈥檚 agelong and besides, it鈥檚
boredom to death.
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And the third way, with a drum beating, is
overdraft!
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You should ask: What it is?
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Look, it鈥檚 quite simple!
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An overdraft is a short-term bank loan.
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The bank allows you to spend more money than
you have on your debit card.
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Herewith, you do not need any approvals, trips
to the bank or something else.
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The loan is issued automatically in case of
excess of own funds on the card.
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How good is it that there's a Mono Binomo
channel, isn鈥檛 it?
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It's time to subscribe and put a like if you
want to know all about finances.
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You ask: That is to say, even if I urgently
need money in the store, can I easily get
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it?
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- Yes!
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But like any other banking service, an overdraft
costs money.
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Banks give a "grace period" during which you
can borrow many without bank interest.
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Usually, this period is about 30-90 days (depending
on the particular bank).
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That is, it allows you to return the bank
as much as you took without paying interest.
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But as soon as you go beyond this period,
your account will be charged all the bank
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interest for the use of the grace period,
as well as a fine.
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So don't delay it and pay in time!
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It is interesting, if there is any limit on
such a loan?
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Yes, there is.
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The loan amount is directly calculated from
your salary or other income to your account.
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For example, if your salary is a thousand
dollars per month, the limit may well be six
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thousand (grace period is up to 12 months).
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Keep in mind!
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What the requirements for a borrower?
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It's very simple, the following indicators
are taken into account:
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- age (a working age is considered);
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- minimum income;
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- to obtain sustainable employment;
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- favorable credit history.
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All this is important as to obtain this service.
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How to activate overdraft?
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Depending on your bank, you can find out what
documents you need to submit to your bank
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to get that desired overdraft.
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What is the difference between credit and
overdraft and are they different at all?
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Yes, of course, they are.
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At first, the terms differ.
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If the loan allows payment of up to 60 months,
then the overdraft allows payment only up
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to 12 months.
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The amount of the overdraft is small and the
loan is large.
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As we mentioned earlier, the withdrawal in
the first case takes place without direct
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registration in the bank, and in the second
case, it happens only in the bank.
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Also, the overdraft payment is written off
automatically, and with the loan, you will
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need to load a special checking account.
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Thus, the advantages of the overdraft are
as follows:
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- The ability to take out a general loan;
- You can use it regularly;
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- Lack of collateral and guarantors;
- Use only if necessary;
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- Borrowed money can be granted anytime;
- Cash is given out on the same credit card
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used by you;
- There is a grace period when credit becomes
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free for a while.
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The disadvantages of the overdraft are as
follows:
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- Motivation to spend more;
- There are penalties for delays;
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- High interest on the loan.
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Now you would be man enough with an overdraft
and even if your girl in the restaurant will
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order something unusual, the overdraft will
save you in a critical situation!
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Tell us what you dream about in the comments
and what would you spend money on, if you
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have some?
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Write, and we will choose the most original
comment and the winner will receive 30 dollars
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from us!
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Finance is easy with Mono Binomo and it turns
into real money!
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