Овердрафт - краткосрочный кредит, предоставленный Банком, для осуществления операций с использованием банковской карты, при недостаточности или отсутствии денежных средств на счете Держателя банковской карты. Карта может быть использована для проведения расчетных операций с предприятиями торговли (услуг), а также получения наличных денежных средств на территории РФ или за ее пределами как за счет собственных средств, так и за счет средств, предоставленных Банком, сумма которых не может превышать установленного лимита овердрафтного кредитования.

Овердрафт может устанавливаться по как спец.карточным счетам, так и по расчетным счетам юридических лиц, индивидуальных предпринимателей, физических лиц.

Размер овердрафта устанавливается по усмотрению Банка.

  • Для зарплатных банковских карт - %  от основного оклада,  за вычетом установленных налоговых выплат и иных обязательных платежей.
  • Для овердрафтов по счетам ЮЛ и ИП - % от оборота средств по счетам.
  • Иное.

Погашение задолженности по овердрафту: погашение происходит на сумму  задолженности по кредиту автоматически при поступлении денежных средств на счет банковской карты.

В виде платы по овердрафту предусмотрена % ставка на сумму овердрафта. Во многих банках с целью повышения лояльности Клиентов действует льготный период по ставке.

Овердрафт – это не что иное, как ссудная задолженность Клиента перед Банком, образовавшаяся в результате использования денежных средств, свыше существующего остатка счете. Овердрафт предоставляется в пределах лимита овердрафта на условиях, установленных договором или дополнительным соглашением к договору обслуживания с банком.

Лимит овердрафта (лимит единовременной задолженности, ЛЕЗ) – количественное ограничение на сумму денежных средств, разрешенную Клиенту для использования с помощью банковской карты, при недостатке средств на счете банковской карты.

Невыбранный лимит овердрафта – лимит овердрафта с учетом существующей задолженности по данному овердрафту.

Непредусмотренный овердрафт (или технический овердрафт) – из-за особенностей функционирования платежных систем существует возможность списания с карты клиента суммы большей, чем разрешено банком. В случае, если такое списание произошло, говорят, что возник технический овердрафт. Условия обслуживания такого рода задолженности устанавливаются доп. соглашением, или оговариваются дополнительно в Тарифах Банка. Как правило, это повышенная % ставка на сумму превышенной задолженности.

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Учет овердрафтов может быть организован по-разному:

  • Либо по каждой выдаче по карте оформляется один транш,
  • Либо один транш равен сумме выдач в день,
  • Либо все выдачи в течении периода действия овердрафта оформляются одним траншем с графиком погашения.

Начисление процентов на основной долг:

Операция признания/ начисления процентов заключается в последовательном выполнении расчета суммы процентов и отражении результатов расчета на счетах бухгалтерского учета.

Начисление (признание) процентов:

  • Выполняется ежемесячно в последний день месяца за прошедший месяц. В случае если дата выдачи овердрафта была внутри расчетного периода, то проценты начисляются с даты возникновения (либо с даты последнего начисления/признания процентов) задолженности до даты начисления включительно.
  • При погашении овердрафта происходит доначисление процентов с даты последнего признания/ начисления суммы процентов до даты погашения включительно.

Расчет срочных процентов на основной долг   

Согласно заключенному соглашению о предоставлении овердрафта по счету банковской карты за пользование овердрафтом Клиент уплачивает Банку проценты исходя из ставки. Проценты за  пользование овердрафтом начисляются на остаток задолженности по овердрафту, учитываемой на ссудном счете на начало операционного дня. При расчете процентов принимается фактическое количество календарных дней в году и в месяце.

Расчет процентов осуществляется по формуле простых процентов за фактический срок пользования овердрафтом.

Сумма процентов = P*I*t/(K*100), где:

  • P – сумма основного долга,
  • I – процентная ставка по овердрафту,
  • t – количество дней с даты  предоставления овердрафта, при первичном расчете процентов, либо с даты последнего начисления процентов.
  • K – количество календарных дней в году.

Список лицевых счетов, на которых будет вестись учет сумм начисленных процентов, формируется  на этапе оформления договора по карте.

В системе «Кредитование» учет процентов ведется по каждому срочному обязательству отдельно. Расчет процентов осуществляется на основании данных о процентных ставках и алгоритма расчета процентов, введенных на этапе заведения кредитного договора в систему.

Технический овердрафт

Из-за особенностей функционирования платежных систем существует возможность списания с карты клиента суммы большей, чем разрешено банком. В случае, если такое списание произошло, говорят, что возник непредусмотренный (технический) овердрафт. Условия обслуживания такого рода задолженности устанавливаются Тарифами Банка.

Существуют следующие возможные причины возникновения непредусмотренного овердрафта:

  • Колебание курсов валют. К примеру, клиент совершил покупку в валюте, отличной от валюты счета карты. В момент проведения транзакции в бухгалтерском учете платежная система пересчитала сумму покупки по курсу на дату совершения транзакции. На дату отражения транзакции в бухгалтерском учете курс валюты изменился, и сумма к списанию с карты увеличилась настолько, что превысила лимит овердрафта.
  • Операции с кредитными картами при наличии текущих неподтвержденных операций по карте. Как правило, при расчете доступного лимита по кредитной карте банк не учитывает сумму текущих неподтвержденных операций. Овердрафт в данном случае возникает, если обработка транзакций произошла после того, как клиент исчерпал доступный ему кредитный лимит.

Обязательства Банка по предоставлению кредита в рамках лимита (неиспользованный лимит) при этом равен 0.

Проценты рассчитываются точно также как срочные проценты по овердрафту. Процентная ставка устанавливается Тарифами Банка. Погашение происходит согласно приоритетам погашения.

Технический овердрафт может учитываться на том же счете, что и основной долг.

*** Карточное кредитование с грейс периодом

Грейс-период (беспроцентный льготный период) - период, в течение которого физическое лицо, пользуясь кредитными средствами Банка, освобождается от уплаты процентов Банку.

Грейс-период распространяется на все виды операций (выдача наличных денежных средств, безналичная отплата товаров и услуг). Дата начала Грейс-периода – первый календарный день месяца возникновения задолженности.
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