Indlela yokuboleka kwi-P2P Ababoleki
Yintoni iP2P?
Iimali mboleko ze-P2P zitshintshe umhlaba wokuboleka. Ngomlinganiselo obanzi, umboleko weP2P unokwenzeka phakathi kwabantu ababini, kubandakanywa imali-mboleko evela kubahlobo kunye nosapho.
Nabani na abantu ababini abanokumisela umboleko kunye nokulungiswa kwembuyekezo ezuzisayo , ngokukhethekileyo ngesivumelwano esibhaliweyo.
Oko kwathiwa, i-P2P ukuboleka ngokuqhelekileyo ibhekisela kwinkonzo ye-intanethi ejongene nayo yonke i-logistics yabboleki nabalimi. Ukongezelela ekunikezeni izivumelwano, ukuhlawulwa kwentlawulo kunye nokuhlolwa komboleki, ukuboleka kwe-P2P kwenza kube lula ukuba abantu baxhumane. Endaweni yokuboleka kuphela kubantu obaziyo okanye abo basekuhlaleni kwakho, unokufikelela kwiwebhusayithi nganye yekampani kwaye ubhalisele ukuboleka kubantu kunye nemibutho ehlabathini lonke.
Iiwebhusayithi ezininzi zenze i-P2P mboleko ifumaneke ngokubanzi. Prosper.com wayengomnye waba vulindlela , kodwa kukho ininzi yabanye, kwaye ababoleki abatsha bavela rhoqo.
Kutheni Usebenzisa Umntu Kwiimali Zomntu?
Unokuzibuza ukuba kutheni uzama umboleki we-P2P endaweni yebhanki yendabuko okanye umanyano wekhredithi. Iimali-mboleko ze-P2P zinokukunceda kwiimingeni ezibalulekileyo ezinkulu ezibolekiswa nabboleki: iindleko kunye nokuvunywa.
Iindleko eziphantsi: Iimali-mboleko ze-P2P zihlala zibiza kakhulu kuneziboleko ezivela kubalimi bendabuko, kubandakanywa nabathengi be-intanethi. Ukufaka isicelo sokubolekwa kwemali mboleko kukhululekile, kwaye iimali zokuqala zihlala ziba malunga namahlanu eepesenti okanye ngaphantsi kwezikolodo. Mhlawumbi kubaluleke kakhulu, loo mboleko ihlala inomyinge onomtsalane omncinane kunamakhadi ekhredithi.
Ababolekisi abaziwayo kakhulu banikezela iirhafu ezinomdla ngokuzenzekelayo ukwenzela ukuba unokuhlawulwa kwenyanga, inqanaba lokuhlawula. Ababolekisi be-P2P abanalo iindleko ezifanayo kunye neebhanki ezinkulu ezinonxibelelwano ezinkulu zesebe, ngoko zidlulisela ezinye zezo ndleko kubboleki.
Ukuvunyelwa okulula: Abanye ababolekisi bafuna ukusebenzisana nabantu abaneentengo zemboleko kunye nezona zilungelelaniso ezingaphezulu kweetyala . Kodwa ababolekisi be-P2P bahlala bekulungele ukusebenza kunye nabbolekayo ababenenkathazo kwixesha elidlulileyo okanye abasemgangathweni wokwakha isikweledu okokuqala ebomini babo.
Ngetyala elihle kunye neengeniso ezinamandla, iimali-mboleko zithengwa kakhulu, kwaye oku kunjalo kunye nababolekisi be-P2P kunye nababoleki bemveli. Kodwa kwiindawo ezininzi, ababolekisi abanomdla ekusebenziseni nabbolekayo abanomvuzo ophantsi okanye abantu abanekhredithi embi bavame ukuhlawula iirhafu eziphezulu kakhulu kunye nemirhumo. Abo babolekayo banokukhetha ezimbalwa nje, njengemali yokuhlawulwa kwemali mboleko iimveliso ezifanayo.
Abambalwa ababolekisi be-P2P, njenge-Net Credit, banikeze imali mboleko kubantu abanamaxabiso esikweleti angaphantsi kwe-520. Abanye ababolekisi be-P2P ababolekisa abantu abanomlinganiselo ongaphantsi kweekhredithi bangahlawulisa ukufikelela kuma-36 epesenti, kodwa oku ubetha umboleko wemivuzo.
Iimali-mboleko ze-P2P zihlala zihlala zikhona, kodwa akusoloko zihlala zibolekiwe, ngoko akudingeki ukuba uthembise naluphi na uhlobo lokubambisa ukuze ufumane imvume.
Ingaba isebenza kanjani
Umthengisi ngamnye we-P2P uhlukile, kodwa ingcamango kukuba kukho abantu abaninzi ngaphandle apho kunye nemali yokuboleka, kwaye bafuna ababolekayo.
Aba bantu bangathanda ukufumana okungaphezulu kunokuba bangayifumana kwi-akhawunti yokulondoloza, kwaye bazimisele ukwenza iziboleko ezifanelekileyo. Iziza ze-P2P zisebenza njengeemarike zokudibanisa ababoleki nabathengi. I-Prosper.com iyazibonakalisa ngokwayo emva kwe "eBay yokuboleka imali."
Ukufaneleka: Ukuboleka, ngokubanzi udinga ukuhlonipha, kodwa ungagqibekanga, ityala. Kwakhona, iinkonzo ezahlukeneyo zineemfuno ezahlukileyo, kwaye ababolekisi banokubeka imida malunga nomngcipheko omkhulu ozimisele ukuthatha. Kwimali eninzi enkulu ye-P2P ababolekisi, iintlobo ezininzi zobungozi ziyafumaneka kubafakeli-mali ukuba bakhethe. Ukuba unamanani amanqaku aphezulu kunye neengeniso zemali , uya kulahla kwiindawo ezinobungozi obuphantsi. Abanye ababolekisi bajonga "ulwazi oluthile" ngolwazi olufana nemfundo yakho kunye nembali yomsebenzi, enokuba luncedo xa unembali ethile yemali.
Ukufaka isicelo: Kwabaninzi ababolekisi, ugcwalisa isicelo esifana nesiphi na esinye isicelo semboleko . Kwezinye iimeko, uya kunika ingxelo yomntu okanye uchaze ngabathengi malunga nawe kunye nezicwangciso zemali. Kusenokwenzeka nokuba usenokukwazi ukusebenzisa amanethiwekhi omnxeba ukukunceda ukuba uvumeleke. Xa isicelo sakho samkelekile, inkxaso-mali ingaba ngaphezulu okanye ngaphantsi kwexesha, okanye kuthatha iintsuku ezimbalwa ukuba abatyala-mali bathathe isigqibo sokuxhasa imali mboleko yakho.
Iindleko: Uya kuhlawula inzala kuyo nayiphina imboleko oyifumanayo, kwaye iindleko zakho zenzalo ziyabhalwa kwintlawulo yakho yenyanga (ezo ndleko ngokubanzi azihlawulwanga ngokwahlukileyo). Ukongezelela, uya kuhlawulwa intlawulo yemvelaphi yeepesenti ezimbalwa zemali yakho mboleko, nangona iprofayili yakho ingcono, umrhumo ophantsi. Qinisekisa ukuba ubambelele kuloo ndleko njengoko ubeka imali yakho yemali-mboleko, kuba inokunciphisa inani lemali ophelileyo. Imirhumo eyongezelelweyo inokuhlawuliswa ngezinto ezifana nokuhlawulwa kwexesha elide, ukubuyisela ukuhlolwa kunye nezinye izinto ezingaqhelekanga.
Ukuhlawula: Ukuba umboleko wakho uvunyiwe, uya kuhlawula ngokuphindaphindiweyo kwisithuba seminyaka emithathu ukuya kweyesihlanu, kodwa unako ukuhlawula imali ngaphandle kwesihlwayo . Iintlawulo ziphuma kwi-akhawunti yakho yokutshekisha ngokuzenzekelayo ngaphandle kokuba umise into eyahlukileyo, ngoko ke le nkqubo ayizinzame.
Ukunika ingxelo ngetyala: I-P2P eyaziwa kakhulu kwi-intanethi ye-intanethi ibika umsebenzi wakho kwii-credit bureaus . Ngenxa yoko, iintlawulo zakho zexesha ziza kukunceda ukwakheni nokuphucula ikhredithi yakho, okwenze kube lula ukuboleka ngemigangatho engcono kwixesha elizayo. Nangona kunjalo, ukuba iintlawulo zingaphumelelanga okanye ungagqibekanga kwimboleko , i-credit yakho iya kuhlupheka. Yenze ezo ntlawulo zibe ziphambili kwaye uthethane nomboleki wakho xa uwela kumaxesha anzima.
Ababoleki: Kukho abambalwa be-P2P ababolekisiweyo ukukhetha, kunye nokuthengwa ngaphezulu kwevenkile ngonyaka. Amanethiwekhi amabini amaninzi kundala aquka i-Prosper.com kunye neKlabhu yeCredit, kwaye unokuzama ukubolekwa kwemali yabasebenzi kunye nabathengi. I-Upstart ngumncintiswano okhulayo wemali mboleko mboleko, kunye ne-Circle Circle ngumthengisi okhulayo.
Ababoleki beP2P bokuqala baxhaswa ngemali mboleko yakho kwabanye abantu. Ngoku, indawo iya kuguquka , kwaye amaziko emali ngokugqithiseleyo axhaswa ngemali-mboleko mboleko, ingaba ngqo okanye ngokungathanga ngqo, endaweni yabantu. Ukuba oko kuyimfuneko kuwe (unokuba unganandaba - nje kuphela xa ufumana imali mboleko kumntu ), uphando lwenkonzo ocinga ukuyisebenzisa nokufumanisa apho imali ivela khona.
P2P DIY
Umntu kumboleko-mboleko akagcini kumasayithi ase-intanethi asekwe. Unako ukumisela iimboleko ngokungekho ngokwemigaqo okanye usebenzise iindlela zokubambisa abantu endaweni yokuhamba kwiindawo eziqhelekileyo. Ukuphepha zonke iingxaki, xubusha izicwangciso zakho kunye nommeli wengingqi kunye nomcebisi weerhafu. Unokufuna ukusebenzisa isivumelwano esibhaliweyo kwaye ulandele imithetho ethile ukuze uthole iziphumo ozifunayo. Abaqeqeshi basekhaya bangakwazi ukunceda, kwaye iinkonzo ezininzi ze-intanethi zibonelela ngezivumelwano ezizimeleyo.