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Business Term of the Day for 2 March 2018

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Overdraft

Přečerpání

Definition
An overdraft occurs when more money is drawn from a bank account than was available there.
Definice
K přečerpání dojde, když se z bankovního účtu vyčerpá více peněz, než na něm bylo k dispozici.
Example sentence
Mr. Green refused the bank’s offer of an overdraft facility because he did not need it and believed he could easily succumb to the temptation of spending money he did not have.
Příklad použití ve větě
Pan Green odmítl nabídku banky na možnost přečerpání, protože ji nepotřeboval a myslel si, že by mohl snadno podlehnout pokušení utrácet peníze, které nebyly jeho.
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Comment
When a checking (in the U.S.) or current (in European countries) account goes into the negative, this effectively means that the bank has provided the accountholder with a loan. An account may have an overdraft facilityBoots nbsp;leather Lining Tamponato Ruggine Jonak Mameli 5wfaqfxAX or authorized overdraft limit up to which the client may draw funds. Overdraft lending can be a very profitable business for banks and other financial institutions. In addition to charging regular, compound interest on clients’ overdraft loan balances (similarly to the charge on credit card balances not repaid within the Final Blue Lemonade black Training Puma Zip Sweatshirt Electric RFqOawq), they also might charge a lump sum fee at the point in time that the account goes into the negative (an overdraft fee) and even a percentage rate on the available (but unused) overdraft credit line for doing the client the favor of “reserving” that loan for the client.
Poznámka
Overdraft.png
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