Nevakawanda BNPL (Tenga Iye zvino Bhadhara Gare gare) mapurogiramu kupinda muIndia, vanhu vanoda kuziva kushandisa zvikwereti zvayo.
Nekudaro, zvinowanzoitika zvakanyanya kuti Chikwereti mamakisi evaIndia akashata zvakanyanya sezvo vasingashandisi chikwereti zvakanyanya.
Astu Chikwereti chine chinangwa chekugadzirisa dambudziko iri nekubatsira vashandisi kuvaka kiredhiti yavo nekungoita mubhadharo wavo kuburikidza neapp yayo.
Vashandisi havafanirwe kuita yakaparadzana account yekubhangi kana kutora chero zvikwereti kuti vavandudze yavo CIBIL mamaki.
Ngationgororei iyi app tosarudza kuti uishandise kuvaka chikwereti chako kana kwete.
Chii chinonzi Astu Credit?
Astu Credit ndeye Indian Start-up inotsigirwa nehofori maVC seTitan Capital uye Samyakth Capital. Iyo chikuva inongotarisa pakuvaka iyo chikwereti chibozwa yevashandisi.
Inobatana nemahombe echikwereti akadai seExperian, CIBIL, CRIF, uye EQUIFAX kuvandudza kiredhiti yevashandisi.
Panzvimbo pekugadzira account nyowani yekubhangi, Astu Chikwereti chinobatsira vashandisi vayo kuita kiredhiti yavo zvirinani, nekungoita mubhadharo kuburikidza nepuratifomu yavo. Iwe unotowana zvimwe zvinopihwa uye zvideredzwa neapp.
Zvinoreva kuseri kwezwi Astu:(Vedic) IPA: /ɐs.tu/; (Classical) IPA: /ˈɐs̪.t̪u/. VerbEdit. अस्तु • (waka) ngazvive, ngazvive zvakadaro, zvakanaka.
Ngatitarisei maitiro ayo zvakadzama.
Zvinoumba Astu Chikwereti
Astu Chikwereti ichiri muchikamu chekusimudzira uye ichiri kutanga kuburitsa ese maficha ayo.
Nekudaro, ini ndichatsanangura ese maficha achange achiuya muapp uye mashandisiro aungaita zvakanyanya iwo.
1. Debit Card Inowedzera Chikwereti Chibodzwa
Iyo inonyanya kuchinjisa chimiro cheAstu Chikwereti ndechekuti inobatsira mukusimudzira yako kiredhiti mamakisi ne Debit kadhi.
Hongu, wazvinzwa zvakanaka. Zvese zvaunofanirwa kuita kuita kutengeserana kwako kubva papuratifomu yeapp kana kuburikidza nekadhi redhibhiti iro Astu richange richiburitsa mune ramangwana.
Astu anoti chibodzwa chako chechikwereti chinotanga kuvandudzwa mumwedzi mitatu kusvika mitanhatu kana ukaramba uchishandisa masevhisi ayo kuita mabhindauko.
2. Bhadhara Utility Bills
NeAstu, unogona kubhadhara zviri nyore mabhiri ako ekushandisa kuburikidza nepuratifomu yayo.
Inotumira ruzivo rwako rwekubhadhara kune mumwe wayo NBFCs, uyo anobva aendesa mberi kutengeserana. Kubhadhara kwese kwakadaro kunobatsirawo mukuvandudza chikwereti chemushandisi.
Unogona kubhadhara mari yako yeinishuwarenzi, mabhiri emagetsi, magasi mabhiri, uye zvimwe zvakawanda kuburikidza nepuratifomu.
3. Tarisa Chikwereti Chako Chibodzwa (Kuuya Nokukurumidza)
Iwe unotosvika pakutarisa chikwereti chako chibodzwa neAstu. Mushure mekupinda iwo akakodzera ruzivo, Astu Chikwereti chinosimudza kubvunza kwakapfava panhoroondo yako yechikwereti (Mubvunzo wakapfava haukanganisi chikwereti chako).
Nekudaro, chimiro ichi hachisati chaenda chinogara pachikuva.
4. Kudzoserwa mari Kusvika 10%
Nekushandisa masevhisi eAstu, unogona kuita kutengeserana kwako zvisina mutsetse uchivandudza chikwereti chako.
Asi, handizvo. Vashandisi vanopihwawo mari yekudzosera kusvika kugumi muzana pane yega yega kutengeserana kwemwedzi mitatu yekutanga.
5. Inobatanidza neAkaunti Yebhangi Yavepo
Kana iwe wanga uchifunga kuti Astu kiredhiti ichave ichigadzira account nyowani yemasevhisi avo, saka hachisi chokwadi. Kusiyana nemamwe maapplication emari, Astu inoshanda pane yako iripo bank account.
Zvese zvaunoda kuti uite kuzvibatanidza neAstu Credit account uye bingo. Iwe unogona ipapo kushanda pane yako kiredhiti mamakisi pasina kutora chero zvikwereti kana kiredhiti uye nekungoita zvakajairwa kutengeserana.
Chinoshanda sei?
Astu Chikwereti zvikwata zvinokwira nepamusoro maCredit bureaus epasi rose anosanganisira Experian, CIBIL, Equifax, uye CRIF kubatsira vashandisi vayo kuvaka kiredhiti yavo.
Inowedzera kubhengi account yako pachikuva. Paunobhadhara kuburikidza nepuratifomu, inobvisa otomatiki mari kubva kubhengi account.
Semutengi anoita kutengeserana neAstu's platform, iwo maficha echiitiko ichi anochengetwa nepuratifomu. Mushure memwedzi mumwe chete, zvese zvekutengesa zvakaitwa newe mumwedzi wese zvakagadzirirwa uye mishumo inotumirwa kune kiredhiti bureaus.
Aya mahofisi echikwereti anozoongorora zvese zvemashandisirwo emari yemushandisi uye ovawedzera kunhoroondo yavo yechikwereti. Sezvo nhoroondo yechikwereti inoramba ichikura nekufamba kwenguva, chikamu chechikwereti chevashandisi chinotanga kuwedzera zvishoma nezvishoma.
Mukati memwedzi 3-6, iwe unokwanisa kuona yakawedzera kiredhiti mamakisi.
Nenzira iyi haufanirwe kutora chero zvikwereti, makadhi echikwereti, kana chero imwe nzira yechikwereti kuti uvake chikwereti chako. Iyo inzira yakachengeteka zvachose isingabatanidzi njodzi.
zvayakanakira
- Mushandisi-ushamwari interface
- Iyi puratifomu inoenderana ne127 mabhanga
- Zvinopihwa nenguva uye mari yekudzoserwa kune vashandisi
- Kadhi rekubhengi revashandisi
- Inopa kuvanzika kwakanaka uye kuchengetedzeka kune vashandisi
- Hazvibatanidzi chero muripo
- Inopa 10% yekudzoserwa mari pane imwe neimwe kutengeserana kwemwedzi mitatu kune vashandisi vepamusoro
- Wedzera chinzvimbo chako uye muganho wekudzosera mari nekutaura kushamwari dzako nemhuri
- Tarisa Chikwereti chako Chibodzwa
- Transparency yezvese matransaction
nezvayakaipira
- Iyo app ichiri muchikamu chebudiriro
- Inoshanda paKukoka chete. Wese mushandisi haakodzeri kuti atange nekukurumidza kushandisa masevhisi avo
- Kune zviuru zvevashandisi, uye zvinongopa kuvandudza kiredhiti kune vepamusoro vashandisi izvo zvinomisa maitiro ayo kune vatsva vashandisi
- Chikamu chechikwereti chechikwereti hachisati chaenda, izvo zvinodzosera kumashure papuratifomu
Mutongo Wangu
Kutaura nezve maficha uye kushanda kweAstu Chikwereti, ichokwadi shanduko muchikamu chechikwereti. Kana tikanyatsoongorora maIndia, kuchine ruzhinji rwevanhu vasingatendi muzvikwereti. Izvi zvinotungamirira kuchikwereti chisina kunaka kune ruzhinji.
Nekudaro, iyo chokwadi chekuti iwe unogona kuivandudza nekungoita mubhadharo kuburikidza neapp inoita senge inoshandura mutambo.
Kunyangwe Astu ichivimbisa zvakawanda kune vashandisi vayo, ichiri kuburitsa makadhi ayo ekubhengi. Izvi zvinoita kuti zviome kutaura kuti ichakwanisa kufambisa mabasa ayo zvakanaka here kana kuti kwete.
Kana iwe ukandibvunza, ndingakurudzira vaverengi vangu kusaina kupuratifomu sezvo zvichizobatsira mukubata kwekutanga kupa uye kudzoserwa mari mune ramangwana.
Tisingatauri, Astu Chikwereti chinotsigirwa nehofori VCs seTitan Capital uye Samyakth Capital, iyo inowedzera kuvimbika kwayo nezvakawanda.
FAQs
Chii chinonzi kiredhiti mamakisi?
Chikwereti chekwereti chimiro chinotarirwa nenhoroondo yako yechikwereti. Sezvo iwe uchibhadhara maEMIs ako uye nekubvisa zvikwereti zvako, izvi zvinotariswa uye zvinochengetwa nekiredhiti bureaus. Mune ramangwana, pese paunoda chikwereti, chibodzwa ichi chinoshanda sechiyero chekuyera kuvimbika kwako uye kuve pamutemo.
Ndezvipi zvakanakira kuva nechikwereti chakanaka?
Kune akawanda mabhenefiti anouya pamwe neakanaka kiredhiti mamakisi. Zvimwe zvacho ndezvizvi:
- Mvumo yeChikwereti chiriporipo
- Mibereko yakaderera
- Mibairo nenguva uye kudzoserwa mari pamakadhi ako echikwereti
- Wana nguva yakareba yekugara kune zvikwereti zvako
- Muganho wepamusoro pane kadhi rako rechikwereti
- Wana mubairo pamubhadharo wako uye muripo wekugadzirisa chikwereti
Pane here kubhadhariswa kwekushandisa Astu Credit's Card?
Astu Chikwereti chinobhadharisa hapana mari yegore yekadhi rayo. Iko hakuna zvakare mari yekujoinha yenguva shoma.
Chii chinonzi Credit Bureau?
A Credit Bureau ikambani inounganidza nhoroondo yechikwereti uye zvese zvikwereti zvemushandisi uye inogadzirira yakakodzera kiredhiti mamakisi pahwaro ihwohwo. Iine algorithm yayo yekuona kiredhiti mamakisi.
Chibodzwa ichi chinozogovaniswa nevakweretesi kuti vavabatsire kuona kuvimbika kwemukweretesi.
Kune masangano mana makuru echikwereti munyika:
- Experian
- TransUnion CIBIL
- Equifax
- CRIF High Mark
Ini ndinogona kushandisa Astu Chikwereti kubhadhara kunze kwenyika?
Ehe, iwe unogona nyore kubhadhara kunze kwepamhepo neAstu's Debit Card, iyo yauchagamuchira mushure mekusaina kuapp.
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