It is becoming a popular new term loan, called an overdraft. Now with the help of this loan may be removed from credit card cash in excess of your current balance, as well as for communications, utilities, loans, fines, and others. The Bank will help you, if lacking a certain amount for treatment, training, travel and shopping. Overdraft implemented in many banks. Basic conditions for the provision of short-term loan: - the borrower to execute overdraft should contact the bank with a passport and the average salary - then complete the application form - expect to receive a loan the borrower can be anyone aged 18 to 60 years, resident and registered to Russian Federation and has the seniority of at least 3 months - when you make an overdraft does not require collateral and guarantors. Your bank card will be charged overdraft limit, which is about 40% of revenues for the last 3 months. You can use the funds within 1 year. Monthly fees do not usually exist. Edinokratno fee is charged for an overdraft amounting to 2% of the value of money. Interest rate for these loans ranges from 15 to 24% per annum. But this grace period is set for the borrower, during which at timely repayment of the loan, no interest accrued. There is also the individual conditions of the banks on the period of continuous use of the overdraft, the order of cancellation from the bank card, etc. Now, with an overdraft can significantly expand its capabilities.
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