Folyószámlahitelezés

Folyamatos folyószámlahitelezés, commonly known in English as an overdraft facility, is a type of short-term loan linked to a current account. It allows the account holder to withdraw more money than is currently available in their account, up to a pre-agreed limit. This creates a negative balance, which is essentially a loan from the bank. Interest is typically charged on the outstanding amount, and often there are additional fees associated with maintaining the facility.

This facility is designed for temporary shortfalls in cash flow, providing a buffer for unexpected expenses or bridging gaps between income and outgoing payments. It offers flexibility as the borrower can use and repay the funds as needed within the credit limit. However, it is important to manage an overdraft carefully, as high interest rates can make it an expensive form of borrowing if used for extended periods. It is generally not intended for long-term financing needs.

The terms and conditions of a folyószámlahitelezés, including the credit limit, interest rate, and fees, are determined by the bank based on the customer's financial history and creditworthiness. Approval is not automatic and requires an application process. This facility can be a useful financial tool when used responsibly, but like any form of credit, it carries risks if not managed properly.