Sometimes there are cases that money on the bank card is over, and you need to urgently pay one or another product or service. In order not to get into such an unpleasant situation, it is originally in a bank to order a map with overdraft.
1
Overdraft is a way of short-term lending to the customer account within the established limit. The limit that will be installed to each specific client depends on its solvency. Overdraft limit is the amount of the loan amount agreed with the bank coming as a percentage of the client from the average amount of its cash.
2
In order for the bank to be able to calculate your limit, some documents will be required. This is a copy of the employment record, certified by the personnel department of the enterprise where you are working at this time. It is also necessary to receive a certificate of 2-NDFL forms in accounting - the level of your income will be reflected in it.
3
If your salary is listed on the bank card in which you are going to arrange overdraft, then these documents from you will not require. The bank will calculate the limit on the basis of your money turnover. Basically, all banks give 50% of the total income over the past three months, but not more than 75% of the cumulative annual income.
4
If you have a bank card with an open credit line, then Overdraft will allow you not to lose interest, which are charged on your basic amount on the map. In this case, you can count on 30-80% of the deposit amount. The amount of interest depends on the deposit amount.
Overdraft lending May be diverse in its views and ways to repay debt. Each specific view can be considered by the Bank at the request of his client. In any case, the magnitude of short-term lending will depend on the limit that you can already assume. For a more accurate calculation, you must contact the bank serving you.
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