Imali-mboleko ye-P2P inikele ngenye indlela kubanikezeli bemveli
Yintoni iP2P Ukuboleka?
Iimali-mboleko ze-P2P zibolekwa ngabantu ngabanye kunye nabatyalo-mali-ngokuchasene nemali-mboleko evela kwi-bhanki yakho.
Abantu abanemali eyongezelelweyo banikele ukuboleka imali kwabanye (ngabanye kunye namashishini) abanesidingo semali. Inkonzo ye-P2P (njenge-website) ifanisa ababolekisi nabbolekayo ukwenzela ukuba le nkqubo ilula kubo bonke abachaphazelekayo.
Izinzuzo zokuboleka ngeP2P
Iimali-mboleko ze-P2P azihlali zilunge ngaphezu kweemali ezivela kwibhankini okanye umanyano weentengo zemali, kodwa zineenkalo ezikhethekileyo ezenza ukuba kukhuphiswano.
Iindleko eziphantsi: unokuhlala uboleka kumaxabiso aphantsi kakhulu usebenzisa i-P2P mboleko. Kuphela kufuneka uhlawule umdla okwaneleyo ukwenzela ukuba umnini-mboleko wakho ujabule - kwaye ininzi umdla ohlawulayo iya ngqo ekuhlawuleleni umboleki wakho. Ngeebhanki kunye neemanyano zeentengo zemali, kukho iindleko eziphezulu ngaphezulu kwiinkonzo zesebe, eminye imigca yezoshishino kunye nabasebenzi abakhulu. I-P2P ebolekayo ngokuqhelekileyo yintsebenziswano engcono kunokuba isebenzise ikhadi lekhredithi, kodwa lihlala lihlawulela ukuthelekisa iirhafu.
Ukufumana imali mboleko yakho ngemali mboleko nge-P2P mboleko, lindele ukuhlawula umrhumo ovela kwimpumelelo yokuqala ye-1% ukuya kwi-5% yemali yemboleko yakho.
Xa kuthelekiswa nemboleko yemali ebhankini, ezo ntlawulo ziphezulu. Ngakolunye uhlangothi, banokungena ephantsi xa kuthelekiswa nesibini semali mboleko (kwaye inkqubo ilula). Ewe, kukho iindleko ezongeziweyo kwizinto ezinjengeentlawulo ezenziwa emva kwexesha.
Ngokukhawuleza kwaye kulula: ukuthenga iintengo zemboleko kuyintlungu. Kwaye emva kokufaka isicelo, kunokufuneka ulinde ixesha ukuze ufumane ukuba uvunyiwe.
Ngeemali-mboleko ze-P2P, enye yentlungu iyancitshiswa. Inkqubo yesicelo ngokuqhelekileyo kulula, kwaye unako ukufumana ngokukhawuleza ukuba ngaba umbolekisi wakho awuhlawulwanga. Eyona mali ingathabatha iintsuku ezimbalwa okanye ixesha elide (njengoko abatyali-mali bathetha ukuba okanye bangayifaki imali kwimali mboleko yakho). Ngethamsanqa, ukuba ufuna isigqibo esheshayo, abanye ababolekisi be-intanethi abangabikho kwi-intanethi banokukufumana.
Iingxelo zemboleko, kodwa iimpazamo zilungile: kwihlabathi apho ababolekisi banqwenela ukuboleka nabani na izinto ezintle kwimbali yabo yekhredithi , ababolekisi be-P2P bahlala bekhangeleka. Kufuneka ube nekhredithi ehloniphekileyo yokufumana imvume - i- FICO kumanqaku angama -600 iyona nto ibhetele - kodwa i-P2P inokukunika ukhetho olungaphezulu kunokuba ufumaneke kubalimi apho uhlala khona. Oku kubi ngakumbi kwikhredithi yakho, ngaphezulu kwezi mboleko ziza kubiza (ngezinga eliphezulu lemali), kodwa yimeko apho uya khona.
Iintlobo Zemivuzo
Iimali-mboleko ze-P2P zaqala njengemali- mboleko engaqinisekanga - ungayimboleka nayiphi na injongo enomthetho oyifunayo, kwaye akuzange ube nesibambiso sokubambisa ukuba ufumane imvume yemboleko. Ezi zizona zihlobo eziqhelekileyo zemali-mboleko, kwaye zizona ziguquguqukayo: unokubeka imali ekudibaniseni amatyala , imoto entsha, ukuphucula ikhaya, okanye ukuqala ishishini.
Ukuba ufuna ukuboleka imfundo ephakamileyo, qinisekisa nokuba ngaba oko kwenzekayo ngetyala lakho.
Ngexesha elide, abaxhasi abakhulu be-P2P baqalise ukunikezela ngemali-mboleko kwizinto ezithile (njengemali-mboleko yezo shishino) kunye nemali-mboleko ekhuselekile.
AbaPhikisi beP2P abadumile
Uludwe lwababoleki be-P2P lukhula rhoqo. Le ngcamango yaziwa yiProsper.com kunye neKlabhu yeLending, bobabini abadlali abakhulu kwi-P2P. Ukuba uya kuthenga imali mboleko, mhlawumbi kufuneka ufumane icatshulwa kwelinye leminye imithombo. Naluphi na owenzayo, cwaninga ngamnye umboleki kwaye ufunde iimpendulo ezivela kwimithombo ehloniphekileyo ngaphambi kokufaka isicelo sembolekiso-kuya kufuneka unikezele ngolwazi olubukhali njengeNombolo yoKhuseleko lweNtlalo, kwaye awufuni ukunika olo lwazi kwilasela elingabonakaliyo ( okanye isela elidala elimali).
Kukho uninzi lwabanye ababolekisi, kwaye ezinye izinto ezintle zivela kubancinci abancinci be-P2P: endaweni yokuboleka kumbolekisi ngabanye, uboleka kwabanye ababolekisi bebhanki. Ezi mboleko ze-intanethi zixhaswa ngeentlobo ezahlukeneyo zabatyalomali, kwaye imali ingase ivela kwiibhanki (ngaphandle kwenkxaso-mboleko yebhanki yendabuko).
Ingaba isebenza kanjani
Ukuboleka nge mboleko ye-P2P, khetha umboleki kwaye uqale inkqubo yokwenza isicelo. Uya kufuneka unikezele iinkcukacha malunga nawe, kwaye unokufuna ukucacisa indlela uzimisele ngayo ukuyisebenzisa. Umboleki wakho uya kujonga ikhredithi yakho, kwaye ukuba uyakufanelekela inkonzo yakho mboleko iza kubalwa kubalimi ukuxhaswa.
Kuya kufuneka ulinde inkxaso-mali, enokuthatha iintsuku eziliqela okanye iiveki ezimbalwa. Ukuba imali yakho mboleko ixhaswa ngemali, uya kufumana imali ngekhompyutha kwaye uza kubuyiselwa imali mboleko ngeentlawulo zekhompyutha ngokuzenzekelayo. Uya kuhlawula ngokuphindaphindiweyo kwisithuba seminyaka emithathu ukuya kweyesihlanu, kodwa unokuthi uhlale uhlawula ngaphandle kwesohlwayo- esinceda ukugcina imali kwimali .
Ukubika ngetyala: njengoko uhlawula imali mboleko yakho, uya kwakha inkokhelo (ababolekisi abaninzi babika umsebenzi wakho kwii-credit bureaus ), okufuneka kukuncedise ukuboleka kwimigaqo engcono kwixesha elizayo. Ewe, ukuba iintlawulo zifika emva kwexesha okanye ungagqibekanga kwimboleko mboleko , i-credit yakho iya kuba neengxaki-ke yenza kube yinto ephambili kwaye uthethane nomboleki wakho xa uwela kumaxesha anzima.
Ngaba Kukhuselekile ukuBhoda ngeP2P?
Ngokuqinisekileyo, kuxhomekeka kwinto othetha ngayo ngokukhuselekileyo, kodwa abaninzi ababolekisayo banomdla-onobuhlobo. Bagcina ulwazi lwakho lukhuselekile njengaliphi na ezinye iziko zezemali, kwaye zonke iinkonzo zintetho zenziwa ngesikhewu siphequluli esibhaliweyo. Ubunikazi bakho kufuneka bugcinwe ngasese kubabolekisi, kwaye iirhafu zentlalo ngokubanzi zikhuphisana nento enokuyifumana kwenye indawo (ngokuqinisekileyo uya kuhlawula ngaphantsi kunokuba uza kuhlawula umboleko wemivuzo ).