Yiyiphi Intsapho Yokujongana Neengxowa-mali Zemoto?

Iimveliso kunye neNgxaki yoLontanga lokuTyala iMali yeMoto

Oontanga ukubolekisa ngemali-mboleko yemoto ayikho into entsha. Kwiminyaka edlulileyo, ngaphambi kokuba amakhadi enkoleko ahlale ehlala kwimiphakalo yabantu, ukuba umntu wayefuna i-mboleko emfutshane, ixesha elifutshane, babeza kujongana nelungu losapho okanye umhlobo osondeleyo. Njengoko sonke siyazi, ukuboleka imali kubahlobo okanye kwintsapho kunokubangela iingxaki ezininzi. Kodwa ke, ukuba oko bekukukhetha kwakho kuphela, yilapho uhamba khona. Amakhadi kunye neentengo ezincinci zebhanki zatshintsha zonke ezo, ubuncinane kubantu abaninzi.

Ngoku, ngokuza kwe-intanethi (kunye ne-nudge eqinile kakhulu kwezoqoqosho olubi) uhlobo olutsha lwemali luye lwavela kwiminyaka embalwa edlulileyo: ukuboleka ngontanga. Iontanga-ntanga (eyaziwa nangokuthi i-P2P) mboleko ikhula ekuthandeni kwiindawo ezininzi, kuquka ukuxhaswa kwemali . Ngoko, ukuba ungangena kwimarike yemoto entsha, kwaye ucwangcise ukugcina imboleko ukuze uyihlawule, ngoko unokufuna ukufunda impendulo kumbuzo wethu wesihloko: "Yintoni oontanga mboleko mboleko ? "

Imbali yoLanga lokuThengisa ukuTyala

Ukuboleka koontanga, ngokwemiqathango jikelele, kubhekisela kwisenzo sokukhwabanisa imali, ngokuqhelekileyo kubaboleki abangabandakanyekanga, ngeendlela ezingezizo zendalo. Ngomntu ongeyendabuko ndithetha ngaliphi na isikhungo esingekho ibhanki, inkampani yomshuwalense, iqumrhu lotyalo-mali, inkampani yekhadi lesikweletu, okanye i-shark yemboleko. Eyona nto ibandakanya wonke umntu kwi shishini lokuboleka. Kude kube ngoku.

Ukuboleka kwontanga kuzalwa kuzalwa kwi-intanethi kwaye, ekuhambeni kwexesha, bathembela kwi-intanethi yokunxibelelana nabantu ukuze banikeze "indawo yokuhlangana" kwababoleki nabbolekayo ukuba bahlangane.

Nangona kunjalo, namhlanje, iinkampani ezinxulumene nezibolekiso zemboleko ziye zavela kwindawo kwaye zikuninzi, zithathwa kwi-market ye-P2P kwiinkonzo zoluntu.

Izinto zihamba ngokukhawuleza kwixesha ledijithali. Imboleko-mboleko yontanga ngumzekelo omhle. Baye bahlala bejikeleze iminyaka embalwa kwaye basenokuthi bangabonakalisa nje ngokuba "yintshona yasendle" yokuxhasa imali.

Nangona kunjalo, ii-P2P indawo zokubolekisa, ezifana neLending Club kunye neProsper, ngoku atshaba abatshali-zimali abaninzi ababethelela ngamakhulu amabhiliyoni eedola, oku kuthetha ukuba ishishini lokubolekisa ngemali ye-P2P likhawuleza libe lilungu elimiselweyo kunye nelungu elifanelekileyo lemveliso yezezimali .

Imali-mboleko yeP2P isebenza njani?

Iingcamango eziqhelekileyo zemboleko-mboleko yontanga kukufanisa umntu obolekisiweyo ngabomboleki. Iziza zokubolekisa ze-P2P zikho apho ababoleki beya khona ukufumana umboleki. Inkqubo yesicelo ngokwenene ilula kakhulu. Ukutyelela isayithi kwaye ugcwalise isicelo esisekhompyutheni. Ukuba ufanelekile, ngoko uza kuboniswa uluhlu lwababolekisi abanokubakho kunye nemigangatho nemilinganiselo yemigangatho yokuthatha imali mboleko. Ukuba uthanda oko ubonayo, ke ugqiba imali mboleko uze ufumane imali yakho. Isandi esihle, akunjalo? Ngokukhawuleza.

I-Pros kunye ne-Conser yoLontanga lokuThatha iMali-mboleko ye-Auto

Kukho izizathu ezikhangayo zokuqwalasela mboleko yoontanga. Kodwa, njengoko unokulindela, kukho ezinye izinto ezingenakukuphazamiseka. Ndimele ndiqaphele apha ukuba ndibhekiselele kwizinto ezixhamlayo kunye neengxaki ezivela kubbolekayo. Ukuba ucinga ukuba ngumniki-mboleko we-P2P, unokwenza nje ukuba usebenzise ezi zinto kunye neengxaki kunye nokuziguqula.

Iinkonzo

1. Abafaki-mboleko abaneengxowa-mboleko ezingaphantsi kobungenako ukufumana umboleko ngeendlela ezingaphezulu zendlela zendalo zingakwazi ukufumana esinye kwisiza se-P2P.

1. Iziza zemali-mboleko ze-P2P, ngeendlela ezininzi, zisebenza njengezithuba zentengiso apho amaqela ngamacala omabini aya kumqathango avumelekileyo kokubili ngaphandle kokuphazamiseka komntu ophakathi-obeka iirhafu kunye nemigomo yakho, kwaye uyayinqumla.
2. Iimali-mboleko ze-P2P zi (kwaye oku kubalulekile) ezingakhuselekanga, oko kuthetha ukuba umboleki akakwazi ukubuyisela isithuthi sakho xa ungaphumeleli ukwenza iintlawulo zakho ngexesha.

Umxhasi

1. Ukuba ungomnye walabo bafuna imali mboleko ngekhredithi engalunganga endikhankanyileyo ngaphambili, lungele ukujamelana nezinga eliphezulu (ngamanye amaxesha aphezulu). Khumbulani into endiyithethayo "ngentshonalanga yasendle"?
2. Ngenxa yokuba umboleko wakho ungakhuselekanga awuthetha ukuba akukho ilizwe langempela, izimpembelelo ezingalindelekanga ukuba ungeke wenze iintlawulo zakho. Njengemali-mboleko yendabuko, ukuba awuhlangabezani nezibophelelo zamatyala akho, ukulinganiswa kwesikweletu sakho kunye namanqaku kuya kuthatha inkunzi enkulu.

Ngaba Imali-mboleko Yontanga Yowontanga?

Iimali-mboleko zontanga zontanga zikhulu kuba zibonelela ngokwenene kwimisebenzi yemboleko yemveli. Nokuba ungayinela kwenye, nangona kunjalo, iyanqanda kuwe. Kungakhathaliseki ukuba uthatha isigqibo, qiniseka ukuba ufunda onke amaxwebhu akho omboleko kwaye uqonde yonke imiqathango ngokupheleleyo phambi kokuba wenze.