Bank Overdraft Kya Hai?
Bank overdraft, aapke bank account mein rakha gaya ek credit facility hai, jiske sahare aap apne account mein available balance se zyada paise kharch kar sakte hain. Yaani, agar aapke account mein Rs. 10,000 hain aur aap Rs. 12,000 ka kharcha karna chahte hain, to bank overdraft facility aapko yeh karne ki ijaazat degi.
Bank Overdraft Kaise Kaam Karta Hai?
Bank overdraft facility ek pre-approved credit limit ke roop mein aati hai, jisko aap apne bank se maang sakte hain. Jab aap apne account mein available balance se zyada paise kharch karte hain, to yeh excess amount bank overdraft facility se cover hota hai. Aapko yeh excess amount use karne par interest dena padta hai.
Bank Overdraft Ki Mukhya Baaten:
- Credit Limit: Aapko diya gaya credit limit aapke bank account se zyada paise kharch karne ki ijaazat deta hai.
- Interest: Aapko overdraft facility ka istemaal karne par interest dena padta hai.
- Fees: Bank overdraft facility par kuchh fees bhi lag sakti hai.
- Eligibility: Aapke bank account ka history, credit score aur income aapki eligibility decide karte hain.
Bank Overdraft Ka Use:
Bank overdraft facility aapko unchaancha situation mein financial help de sakti hai, jaise:
- Unplanned Expense: Koi sudden expense aa jaaye, jaise car repair ya medical emergency.
- Business Needs: Apne business ke liye short-term financing ki jarurat.
- Overpayment: Koi bill aapko mistake se zyada pay karna pad gaya.
Bank Overdraft Ka Nuksan:
- High Interest Rates: Overdraft facility par interest rates kaafi zyada ho sakte hain.
- Fees: Overdraft facility par lagne wali fees aapke liye extra kharcha ho sakta hai.
- Debt Trap: Agar aap overdraft ka istemaal karke kharcha karne ki aadat banate hain, to yeh aapke liye debt trap ban sakta hai.
Bank Overdraft Facility Lena Kaise?
Aap apne bank se overdraft facility ke liye apply kar sakte hain. Iske liye aapko apne bank account ka history, credit score aur income related documents submit karne padenge.
Bank Overdraft Kaise Chukaen?
Aap apne bank overdraft facility par lagne wali interest aur fees ko chukaane ke liye apne bank account mein paise deposit kar sakte hain. Apne account mein available balance se zyada paise kharch karne se aap apne overdraft facility ko use kar rahe hote hain.
Conclusion:
Bank overdraft facility ek handy option hai, jab aapko short-term financial help ki jarurat hoti hai. Lekin, aapko is facility ka istemaal carefully karna chahie, kyunki yeh aapke liye debt trap ban sakta hai. Iske liye aap apne bank se loan facility ke baare mein bhi jaankari le sakte hain.