In contrast to loans to enterprises up to one year, consumer credit and other loans to households up to one year, bank overdrafts shall be without defined maturity and, in general, authorised but taken without giving prior notice to the bank.
Nasprotno posojilom podjetjem za obdobje do enega leta, potrošniškim kreditom in drugim posojilom gospodinjstvom za obdobje do enega leta, so prekoračitve stanj na računih brez določene zapadlosti in na splošno odobrene, vendar izpeljane brez predhodnega obvestila banki.