folyószámlahitelkeret

A folyószámlahitelkeret, often referred to as a credit line or overdraft facility in English, is a type of flexible credit that a bank or financial institution grants to its customers. It is typically attached to a current account (folyószámla) and allows the account holder to overdraw their account up to a pre-agreed limit. This means that even if there are insufficient funds in the account, payments can still be made, as the bank will temporarily cover the difference up to the specified limit.

The folyószámlahitelkeret provides a convenient way to manage short-term liquidity needs. It can be used for unexpected expenses, to bridge a gap between income and outgoing payments, or for opportunistic purchases. The interest is usually charged only on the amount that is actually used from the credit line, and often at a variable rate. Repayment can be flexible; the overdrawn amount can be paid back at any time, and once repaid, the full credit limit becomes available again.

It is important to understand that a folyószámlahitelkeret is a form of debt. While it offers flexibility, it also comes with interest charges and potentially other fees. Therefore, it should be used responsibly and with careful consideration of one's ability to repay the borrowed funds. Banks assess a customer's creditworthiness and income before approving a credit limit. The terms and conditions, including interest rates and fees, can vary significantly between different financial institutions.