Yintoni iProsper.com?
Prosper.com yiwebhusayithi apho abobolekayo nabathengi badibana khona. Umbono wokuqala weProsper.com "yi-eBay yokuboleka imali" apho abantu abaneemali banokuboleka abantu abafuna imali.
Endaweni yokuboleka kwiibhanki zemveli kunye neemanyano zemali-mboleko , unokuboleka kwiqela elikhulu lababoleki. Iprosper isebenza njengomntu obolekwa ngemboleko kodwa ayiboleke imali ngokwayo. Kunoko, inkampani ibambisana nababolekayo abanokuba ngabaxhasi-mali abafuna ukubolekisa imali mboleko. Iprosper yenza imali ngokuhlawula iintlawulo zeli nkonzo.
Imali evela ku-Prosper.com iyimali- mboleko yomntu kwaye ingasetyenziselwa phantse nayiphi na into oyifunayo. Awudingi ukumbambisa ukubambisana ukuze ufumane imvume . Kunoko, uya kufumana isigunyaziso esekelwe kwirejethi yakho kunye nengeniso yakho. Unokuhlawula imali mboleko kwiminyaka emithathu okanye emihlanu.
Ingaba ibiza malini?
Ukuboleka ku-Prosper.com kuvame ukubiza kakhulu kunokusebenzisa amakhadi ekwereta. Oku kwenza kube yinto efanelekileyo yokudibanisa ityala lentengo ephakamileyo. Oko kwathiwa, ukukhuthazwa kwekhadi lokuthenga ngetyala kungabetha iProsper.com, ubuncinane ngonyaka okanye njalo, ngoko kuya kufuneka ukuba uthelekise amazinga.
Ukuboleka imali kwi-Prosper.com, uya kuhlawula umyinge wenzala njengaye nawuphi na umboleko, kwaye uya kuhlawula intlawulo yemvelaphi, ebizwa ngokuba yimali yokuvala.
Ukulungiswa kwekhredithi yakho, ngaphantsi koko uya kuhlawula, kwaye uProsper unomlinganiselo omncinci wemali yekredithi ye-640.
Amanqanaba omdla: Ipesenti yepesenti yonyaka (APR) kwiiNgxowa-mboleko zeProsper.com zivela kuma-5.99 ekhulwini kwi-APR ukuya kuma-35.99 ekhulwini I-APR. Eli nqanaba libandakanya iifizi, kodwa ubuninzi beendleko yindleko yakho yenzalo.
Ngokuqhelekileyo, isantya somyinge sisaphantsi kunezinto oza kuhlawula kumakhadi-mboleko.
Imali: I-Prosper.com ihlawulisa intlawulo yokuvala, ephuma kwimboleko yakho. Ngenxa yoko, awuyi kufumana isixa esipheleleyo osifake isicelo sakho, ngoko kukuthi xa ukhetha ukuba uboleke kangakanani.
Imali yokuvala iqala ngo-0.50 ekhulwini kubabolekayo abanekhredithi enkulu kunye nokwandisa ukuya kuma-4.95 ekhulwini ukwenzela ukuba izikolo ezincinci zesikweletu. Uya kuhlawula imali eyongezelelweyo xa ulahlekelwa iintlawulo. Akukho nto isohlwayo sokuhlawulwa kwangaphambili, ngoko unokuhlawula ityala lakho ngokukhawuleza njengoko uthanda.
Ukufumana imvume
Abanye ababolekayo bafumanisa ukuba banenhlanhla engcono ekuvunyelwene ngayo nabathengi be-intanethi kunokuba baxhamle nababolekisi bemveli. Ngokukodwa xa kuziwa kwiibhanki ezinkulu, ukufumana imali mboleko kunokuba nzima ukuba unayo i-credit-less-perfect. Nangona kunjalo, usadinga ukuhlangabezana nemigangatho ethile kwiProsper.com.
Amanqaku okuthenga ngetyala: Prosper uhlola i-credit yakho kwi-Experian, kwaye ufuna amanqaku angama-640. Ukuphakamisa amanqaku akho, ngaphantsi uya kuhlawula imali yakho mboleko. I-Prosper.com ibonise ukuba ababoleki abanekhredithi elungileyo bayathanda, kwaye umyinge wesilinganiso semali-mboleko kubaboleki abavunyiweyo bangaphezu kwama-700.
Umlinganiselo-mboleko-ngeniso: Ababolekisi bajonga ukuba ingakanani imali yakho yenyanga ekhoyo yokuhlawula iimali mboleko ngokubala isilinganiselo semali-kuya-ngeniso .
Prosper.com ibheka inombolo engaphantsi kwama-50 ekhulwini ngemboleko yakho entsha.
Ingeniso: Kufuneka ube nenzuzo, kodwa i-Prosper.com ithi ngokuqinisekileyo ukuba abahlala phantsi bangabaleka, ngoko akudingeki ukuba ube ne ngeniso evela kwingqesho.
Ukongezelela, ingxelo yakho yekhredithi kufuneka ikhululeke kwiibhanki zentsholongwane kunye nemibuzo engaphezulu. Ukuba ingxelo yakho yekhredithi "iyincinci" ngenxa yokuba awuzange ubolekelwe ngaphambili, kuya kufuneka ukhethe i-credit yakho ngaphambi kokuba usebenzise neProsper.com. Ukuba ungekho kwi-Prosper.com mboleko phambi kwakho, akunakwenzeka ukuba ufumane imvume.
Inkqubo yokuboleka
Ukuboleka imali, tyelela i-www.Prosper.com uze ufake isicelo. Uya kufuneka unikele ngolwazi olusisiseko malunga nawe, njengedilesi yakho kunye nenombolo yoKhuseleko loLuntu, kwaye uya kufuneka kwakhona unikele ngolwazi malunga nemali engenayo.
I-Prosper.com ingadinga ukuba uhambise ubungqina bemali engenayo, oko kunokuthetha ukuthumela kwikhophi yee-stubs zokuhlawula okanye ukubuyiswa kweerhafu.
Qinisekisa ukunika ingeniso yakho ngokuchanekileyo xa usebenzisa, kuba unokufuna ukunika amaxwebhu kwingeniso oyithethile kwisicelo sakho.
Ukufumana imali, uya kunika ulwazi malunga ne-akhawunti yakho yasebhanki ukuze i-Prosper.com ikwazi ukuthumela imali ngqo kwi-akhawunti yakho yokujonga. Qinisekisa ukuba uyazi apho ufumana khona iakhawunti yakho kunye neenombolo zokuhamba .
Yonke inkqubo, ukususela kwixesha osebenzayo ekuboneni imali echaphazela i-akhawunti yakho, inokuthi yenziwe malunga neentsuku ezintathu, ucinga ukuba yonke into iyahamba kakuhle.
Ngaba Kukhuselekile?
Prosper.com ngumthengisi we-intanethi ngokusemthethweni osebenza kunye namalungu angamawaka amaninzi. Ngethuba nje uhlala kwinayithi yangempela yeProsper.com kwaye unxibelelwano olukhuselekileyo, ukhuselekile ukufaka isicelo semboleko. Oko kwathiwa, ukuphulwa kwedatha kunokwenzeka ngezikhathi ezithile, kwaye i-Prosper.com ingafunyanwa, kodwa enye iyafana nayiphi na isikhungo semali.
Ukuboleka imali kuhlale kusengozini, ngoko qiniseka ukuba kunengqiqo ukuthatha ityala. Hlola zonke iindlela ezibandakanya ukuba uza kuhlawula njani ityala lakho phantsi kwexesha, kwaye unjani ukuhlawula imali, ukuze wenze isigqibo esicacisiweyo.