Kutheni kwaye njani ukuboleka i-intanethi
Izinzuzo zokuboleka kwi-Intanethi
Unjani umboleki we-intanethi nantoni na ehlukile kwibhanki osebenze nayo iminyaka?
Isizukulwana esitsha esona sitsha sabantu ababolekayo sigxile ekubeni kube lula ukuboleka.
Imvume yokukhawuleza: Ababolekisi be-intanethi banokukuxelela ngokukodwa okanye ngaphantsi ngokukhawuleza ukuba ngaba uvumelekile okanye awuvunywanga, ungakanani uboleka kunye neentlawulo zakho ziya kubonakala ngathi. Uninzi lweebhanki zendabuko zihlukileyo: unokuthi uzalise isicelo kwi-intanethi, kodwa kungathatha ixesha ukufumana impendulo (umntu unokufuna ukuyihlolisisa isicelo, kwaye usenokufuna ukutyelela isebe kumntu).
Izinga elungileyo: lihlala lihlawula ukuthenga, kwaye abathengisi be-intanethi bahlala behlawula ngaphantsi kunokuba uya kuhlawula kwenye indawo. Umele ubone ixabiso elincinci kunye neentlawulo ezincinane zenkonzo (ukuba kukho). Ababolekisi be-Intanethi kuphela abanalo ulawulo olufanayo kunye neebhanki kunye neemanyano zamatyala kunye namagatsha asemzimbeni, kwaye abajongene neendleko ezifanayo zokulawula. Ekugqibeleni, oko kuthetha ukuba unokuhlawula ngaphantsi.
Ukuvunyelwa ngokukhawuleza: iibhanki kunye neemanyano zeentengo zemali ziye zakhula zikhulile kwiminyaka.
Kulula ukufumana imali mboleko xa unetyala elikhulu . Kodwa ukuba usakha isikratshi okanye uye wafumana amaxesha amanzima, umlinganiselo oqhelekileyo weFICO awuyi kukukwenza. Ababolekisi be-intanethi banakho ukuvuma amanqaku aphantsi kweetyala kunye nokusebenzisa ulwazi "olunye" ukuvavanya ukuthenga ngetyala lakho (njengeentlawulo zomsebenzi kunye neenkcukacha ezivela kumanethiwekhi akho asekuhlaleni).
Imali- mboleko engaqinisekanga : ininzi mboleko ye-intanethi ayikhuseli , nto leyo ithetha ukuba awuyikubambisa imali yokubambisana ukuze ufumane imvume . Oku kungabenza bavikeleke ngaphezu kokuboleka kwiimpahla zakho. Ukuba uhluleka ukubuyisela imali mboleko engakhuselekanga, izikolo zakho zekredithi ziza kulahla ( phakathi kwezinye izinto ), kodwa imoto yakho ayiyi kubuyiselwa kwakhona kwaye awuyi kubhekana nokuchithwa.
Indlela yokuboleka
Ukufumana i-mboleko kwi-intanethi kufana nokufumana imali mboleko kwenye indawo-nokuba mhlawumbi kuya kuziva kulula. Uzakufuna ukubonelela ngolwazi lwakho olufana neNombolo yoKhuseleko lweNtlalo kunye nedilesi. Ngokuxhomekeke kumniki-mboleko, kuya kufuneka ukuba unikezele ngolwazi lwezemali (njengolwazi malunga nomsebenzi wakho kunye nengeniso, iindleko zakho, kunye nokunye).
Ukuze uqalise, vele ukhethe umboleki kwaye usebenzise. Inkqubo kufuneka ithathe malunga nemizuzu eyi-10-15. Ukulungiselela iingcamango zabathengi, funda.
Ukuboleka Kwemakethe
Iimali ezibolekileyo zemali-mboleko kwi-intanethi zivela kubaboleki bendabuko. Ngamanye amazwi, ibhanki yakho yangaphakathi okanye umanyano wekhredithi mhlawumbi awubandakanyekanga, kwaye azikho iibhanki ezinkulu oziva ngayo yonke imihla. Ababoleki abatsha bajoliswe kuphela ekuveleni uhlobo oluthile lomboleko. Abafuni ukunikela ngeengxelo zokujonga kunye nokulondoloza, amakhadi enkoleko, okanye iinkonzo zoshishino.
Ababolekisi bokuqala kule ndawo babesenkonzweni yokubolekisa ngeentanga-ntanga (P2P) , kwaye ezo ziyizona ndlela ezinokukhetha ukuboleka.
Iqela leMboleko kunye neProsper kufuneka zombini ibe luphezulu kwoluhlu lwakho xa uthengisa ngemali mboleko kwi-intanethi.
Ababolekisi be-P2P baqala nge-eBay yokuboleka imali: umntu onokufaka isicelo semboleko ngokudala uluhlu loluntu olucela imali, kwaye nabani na onokubhenela ukubolekisa (ukukhetha intsingiselo yemali abafuna ukuyifumana, ngokubolekwa ngemali mboleko amaxabiso amanqanaba aphantsi). Ngokuhamba kwexesha, inkqubo iyanzima kakhulu. Kwezinye iimeko, abantu ngabanye abayiboleki imali-iibhanki namanye amaziko amakhulu yimithombo yemali emva kwabathengi abaninzi beemarike ezivelele.
Nangona iCredit Club kunye neProsper ingasetyenziselwa nayiphi na injongo, ababolekisi bamtsha bazama ukuboleka iintlobo ezithile zemali-mboleko - ngamanye amaxesha uya kwenza ngcono xa ufanisa imali mboleko yakho kwinkonzo . Ngokomzekelo, i-SoFi iqalile ukwenza imali-mboleko yabafundi (kwaye ngoku iyakwenza imali yokubolekisa imali, iimali-mboleko zemali, kunye nokunye), ngelixa i-Kabbage ne-OnDeck zenza iimboleko zoshishino.
Khangela ababolekisi, thelekisa izibonelelo, kwaye uhambe neyona nto ibhetele.
Ewe, uya kufuna ukuphanda nayiphi na umboleki ukuba uqinisekise ukuba usebenza nekampani ehloniphekileyo.
Gwema iMali ye-Payday
Xa ufuna iimali-mboleko ze-intanethi, uza kufumana iziphumo ezininzi zokubolekwa kwemali mboleko ehlawulwa ngokukodwa . Ezi ziindleko zemali-mboleko ephakamileyo ezikhawulezileyo eziza kubangela ukuba kukhokhwe iindleko ezibizayo. Uyakwazi ukuchonga le mboleko (kufuneka igwenywe) ngeendlela ezilandelayo:
Imfutshane emfutshane kakhulu : iimali-mboleko zemihla yokuhlawula zihlawulwe ngaphandle kwenyanga okanye njalo. Khangela iimali-mboleko ozenza iintlawulo zenyanga ngaphezu kweminyaka emininzi (kwaye unokuhlawula kwangaphambili ngaphandle kokuhlawulwa kwentlawulo )
Ixabiso lentlawulo ephakamileyo okanye iintlawulo: kwakhona, thengisa ngeenxa zonke. Imali-mboleko ye-Payday iya kuba yindleko ephezulu kuneendleko zabathengi. Unokufumana ikhadi lokuthenga ngetyala kwaye uhlawule i-20% ye-APR, kwaye amaninzi emali-mboleko ye-intanethi ayihlawulisa kakhulu. Ukuba uya kuhlawula ngaphezu koko, mhlawumbi ufumana into embi.
Akukho ngxowa-mboleko yekhredithi: inyaniso kukuba udinga i-credit (kodwa ayikho enkulu) ityala ukuze uthole imali ebolekileyo. Nabani na oya kukuboleka ngaphandle kokukhangela i-credit yakho ithatha ingozi-kwaye baya kulindela ukuba bahlawulwe ngenxa yokuthatha umngcipheko.
Iintlawulo eziphambili: musa ukuboleka kumboleki we-intanethi ofuna ukuhlawulwa phambili. Ababolekisi abasemthethweni banokuhlawulisa iintlawulo, kodwa ezo ntlawulo ziphuma kwimali yakho mboleko. "Ngaphambi kwentlawulo" izikratshi ziyaziwayo ngokukucela ukuba unikele ngemali uze unganiki nto.
Okukwintsusa
Ukuze uthole imali mboleko enkulu, kufuneka uthengise, kunye nababolekisi be-intanethi kufuneka bafakwe kwi-search yakho. Gcinana nababolekisi abaziwayo, kwaye kufuneka ukwazi ukuphepha ingxaki . Hlola ngebhanki yakho ngelixa ulapho, kwaye hamba kunye nabani na ophatha kakubi. Amabhanki asabonelela ngeenkonzo ezixabisekileyo kwaye anokukunceda ukuba ugcine ixesha (ukuba kungenjalo imali) - kodwa akusoloko kulungele ukuboleka.