Another practice that is in my opinion wrong is to offer more and more months of salary as overdraft limit on the salary account. Over time this has become one of the main factors in comparing offers from banks. If one bank offers 3 months an another 6 month, then the banks that is offering six month has the better offer seems to be the reasoning. There has been a lot of pressure to increase the number of months of overdraft in order to remain “competitive”. We moved reluctantly to 6 months overdraft in 2007/2008. Now there are cases where 12 months of overdraft are offered.
Let’s look at this for a moment. An overdraft limit on a current account should be used in order to accommodate a temporary shortage of money. Something has happened, you need money and expect to repay it relatively soon. It is an expensive form of credit. If you use more than 3 months of salary worth of overdraft, you don’t have a temporary need but a structural one. A simple calculation will show that it can take many, many years (even 20) to fully repay a 12 months overdraft.
Steven van Groningen e director la Raiffaisen si, cum in perioada asta cu bancarul nu prea mai merge, omul s-a apucat de blogging, după cum ne informeaza RV.
Chestia cu overdraftul nu e nouă în România, în ultimii 5 ani tot mai mulţi români au degustat din plăcerile cheltuirii banilor înainte de a-i avea. Întai cu un salariu, apoi cu doua, apoi cu 3. Dar asta cu 6 sau 12 mi se pare o aberatie si o iresponsabilitate crunta.
Cei care stiu sa scrie dintre idioti vor spune ca banca ar trebui sa fie mai serioasa si sa nu dea ocazia idiotilor sa cheltuie atatia bani.