Sevha Iye Zvino Pay Gare gare(SNPL) maapplication anoitirwa kuchengetedza mari yevashandisi kuitira kuti vagokwanisa kutenga zvavanoda zvigadzirwa kana masevhisi mune ramangwana.
Aya maapplication anovharira mari yako sezvaunovapa mvumo uye woiburitsa pazuva rakatarwa kana kana chinangwa chaitwa. Iwe unogona kutobvisa mari yako pakati pekugara pasina matambudziko.
Ini ndakashandisa mazhinji emaapps aya pachangu uye ndikaaisa kubva pane zvakanakisa kusvika pakuipisisa. Saka, ngatitangei uye tizive zvese nezve chikamu chitsva chefintech cheSNPL.
Chii chinonzi SNPL Apps?
SNPL maapplication anotendera vashandisi Chengetedza mari yekubhadhara mune ramangwana nekuisa mari yavo pamapuratifomu. Iyi mari inochengetwa mumidziyo yakasiyana siyana yemari nemaapps uye inozoburitswa kune chero kutenga kana zvinangwa zvakaiswa nemushandisi.
Ikozvino, chikamu chakanakisa nezveaya maapplication ndechekuti ivo vanopa akasiyana siyana zvidzikiso pakutenga kunoitwa kubva kumapuratifomu avo.
Izvi zvidzikiso zvinogadzirwa kungave nevatengesi kana neSNPL apps pachavo. Saka, muchidimbu, maapplication aya anokuita kuti utenge zvaunofarira zvigadzirwa nemitengo yakaderedzwa uye zvakare kukuchengetedza kure nechikwereti.
Mapurogiramu akasiyana ane nzira dzakasiyana dzekubata mari dzevatengi vavo. Vamwe vanoiisa muakaundi yeEscrow kwenguva yakati nepo, vamwe vanoiisa muakaundi yemutengesi nenzira yekubhadhara kare.
Zvino, kana iwe uri kuvhiringika pakati peSNPL neBNPL maapplication saka chikamu chinotevera chinokuratidza zvakajeka kuti ese ari maviri akasiyana sei.
SNPL Yakasiyana Sei neBNPL?
BNPL maapplication anoita kuti utenge nekushandisa makiredhiti. Izvi zvinoreva, kuti iwe unogona kutenga chero chinhu usingashandisi yako mari uye wozoidzorera kumaapps. Iyi nzira inosanganisira yako chikwereti chibozwa uye mamwe matanho akasiyana echikwereti.
Kune rimwe divi, SNPL maapplication anokuita kuti uite kutengeserana kubva kumari yako. Iko hakuna mhando yechikwereti inobatanidzwa mune iyi nzira. Aya maapplication anoita kuti iwe uchengetedze kwenguva yakareba uye kuvhara iyo mari. Pakupedzisira, kana wachengeta mari yakakwana, aya maapplication anokuita kuti utenge uye kunyange kupa zvidzikiso.
Pane misiyano yakawanda mune psychology yemapuratifomu aya zvakare. Ngatinzwisise izvi zvakadzama.
Funga kuti unoda kutenga bhutsu itsva inosvika zviuru gumi zvemadhora asi hauna kana hafu yemari iyoyo. Ikozvino, iwe uchaona sarudzo yekutenga bhutsu idzodzo nekukurumidza nechikwereti uye woidzorera muzvikamu zvemwedzi pasina imwe mubereko.
Izvi zvinoita kuti mutengi afunge kuti inzvimbo yekukunda-kuhwina kwaari, nepo, zvinhu zvakangopesana. Ichi kiredhiti chiri nyore chinoita kuti iwe uve panjodzi yekubata nzira dzekushambadzira nemapuratifomu aya.
Izvi zvinodaro nekuti kana iwe ukatenga shangu idzodzo nechikwereti, mari yako yemwedzi unotevera inotambura nekurova kukuru, sezvo ikozvino iwe unofanirwa kubhadhara iyo yasara mari muEMIs.
Izvi zvinowedzera mutoro pahomwe dzako pakarepo.
Zvino, ngatiti iwe wakasarudza SNPL chikuva kutenga shangu dzakafanana. Iyo chete drawback yeizvi ichava yekuti iwe hausi kuzoisa maoko ako pane izvo shangu nekukurumidza. Unofanira kumirira kusvikira iwe pachako wava nemari yakakwana yekuzvitenga.
Iwe uchaita izvi nekuisa mari yakatarwa nguva nenguva pachikuva, uye iyo SNPL app icharamba ichiunganidza iyi mari. Mushure menguva yakati, iwe uchatenga shangu idzodzo nemari yako pasina kutya kwechikwereti kana EMIs.
Aya ndiwo mashandisiro anoita BNPL maapps kuti upedze mari yakawanda kupfuura yaunofanirwa uye maapplication eSNPL anobatsira iwe kuramba kutenga zvechimbichimbi.
Kutaura nezve kuita purofiti, zvese SNPL neBNPL zvakafanana. Ose ari maviri maapplication aya anoita mari kuburikidza nevatengesi sezvavanopa zvigadzirwa zvavo pamapuratifomu avo.
Kuburikidza neizvi, ivo vanowedzera kutengesa zvisina kunanga nekudaro vanochaja komisheni kubva kune vatengesi ava. BNPL maapplication anoitawo mari kana vatengi vasingakwanise kudzosera iyo mari mukati menguva yenguva nenzira yekufarira.
Parizvino, unofanirwa kunge wanzwisisa SNPL uye kuti dzakasiyana sei neBNPL. Saka, ngatinyure takananga mune rondedzero yeakanakisa SNPL maapplication muIndia.
Zvakanakisa SNPL Zvishandiso MuIndia
Aya anotevera SNPL mapurogiramu akaiswa pahuwandu hwezvinhu, mushandisi interface, uye kugutsikana kwevatengi. Ini ndichaedza kutsanangura kuti maapplication aya anoshanda sei pamwe chete neawo makuru. Saka, ngatitangei nenhamba yekutanga SNPL app muIndia.
1. EasyPlan
EasyPlan iSave Now Pay Gare gare app iyo inokutendera kuti utore mari yekubhadhara ramangwana. Unogona kutanga kuchengetedza nemari yakaderera seRs.100. Inoisa mari yako mumidziyo yekudyara ine njodzi yakaderera. Zvishandiso izvi zvekudyara zvikwereti zvezvikwereti zvinopa mubereko wakanaka uye zvinotakura njodzi shoma.
Pane maviri ekudyara sarudzo ane njodzi shoma papuratifomu. Kana uine chinangwa chine nguva isingasviki mwedzi mitanhatu, mari yako ichaendeswa kuICICI Prudential Liquid Fund nepo, kune zvinangwa zvine nguva inopfuura mwedzi mitanhatu, unogona kuchengeta mari yako muICICI Prudential Savings Fund.
Zvino, chikamu chakanakisa ndechekuti iwe unogona kubvisa yako yemvura mari pese paunoda. Iko hakuna nguva yekuvhara uye njodzi inosanganisirwa mumari iyi yakaderera zvakanyanya.
EasyPlan inokutumirawo zviziviso nenguva uye zviyeuchidzo zvekuchengetedza mari yezvinangwa zvako uye kuiisa pachikuva.
Zvepamusoro Zvimiro
- Sevha mari kuburikidza neNet Banking kana kunyange UPI
- Wana zviyeuchidzo pamadhipoziti ako ari kuuya emari yekuchengetedza
- Bvisa mari yako chero nguva yaunoda
- Iyo yakasarudzika chinangwa tracker yekutarisa kufambira mberi kwako
- Tora mari yako muakaundi yako mukati memazuva 1-2 ebhizinesi
2. Hubble
Hubble ndeye inochengetedza app inopa yakavimbiswa 5% yekuwedzera mubairo kana iwe ukadzikinura mari yako pachikuva ipapo ipapo. Inopawo 10% yekuwedzera mubairo kana iwe ukachengetera chinangwa chako muapp uye wozopedzisa kutenga.
Iwe unogona nyore kubhadhara nenguva muapp uye sezvo chinangwa chapera, iwe unowana imwe yekuwedzera 10% mubairo. Nekudaro, kana iwe ukachinja pfungwa dzako uye kubvisa mari yako chinangwa chisati chaitwa, hauwane mibairo.
Mari idzi dziri kuiswa mumabhanga ane marezenisi eRBI anopa kuchengetedzwa kwakanyanya. Iyo haiisi mari yako pese pese asi inoichengeta mumabhangi ayo emubatanidzwa.
Zvepamusoro Zvimiro
- Mibairo yako haibhadharwi
- Wana mibairo yakavimbiswa pakubhadhara ipapo kana kubhadhara kwakarongwa
- Bvisa mari yako chero nguva mukati memasekonzi
- Zvinopihwa nenguva uye mibairo kubva kuHubble
- Hapana mari kana mhosva
3. Multipl
Multipl inopa akasiyana-siyana enjodzi sarudzo dzekudyara izvo zvisingangokuregi iwe kukura mari yako asi zvakare zvinokubatsira iwe kuzadzisa zvinangwa zvako nekuchengetedza. Unogona kuchengetedza mari yakawanda nyore kuburikidza neiyi app nekuishandisa nenguva. Iyo inoita kuti iwe uise mari mukomisheni-yemahara yakananga mutual mari ine madzoro akanaka uye inotakura njodzi yakaderera.
Iwe unogona kudyara zviri nyore kuburikidza neSIP kana kunyange lump sum pasina kubhadhara chero komisheni. Multipl yakanyoreswa neSEBI, iyo inoita kuti ive yakachengeteka uye yakachengeteka kune vashandisi. Unogona kubvisa, kudzikinura, kana kumisa mari yako nekudzvanya kamwe chete paunoda.
Zvepamusoro Zvimiro
- Otomatiki SIP kubhadhara
- Yakanyoreswa neSEBI
- Inoteedzera zvinangwa zvako uye kuita kwemari kuti uwane ruzivo rwakanaka
- Kusvika ku25% kubva pakudzoka uye mabhenefiti kubva kune vatengesi
- Vhura zvinonetsa, mazinga, uye nhanho uye kuhwina mibairo yakasiyana
4. Tortoise
Kamba yakati siyanei nemaapplication maviri eSNPL ataurwa kusvika zvino. Panzvimbo pekudyara mari yekuchengetedza yevashandisi, Tortoise anoiisa muRBI-inodzorwa Escrow maakaundi. Mari iyi inoramba yakakiyiwa kusvika wada kuitora. Pane nzira iri nyore yekutanga neTtortoise.
Ingoenda paapp uye sarudza mhando uye chigadzirwa chaunoda kutenga. Mushure mekugadzirisa nguva yehomwe, iwe unogona ikozvino kutanga kuichengetera.
Ramba uchiisa mari yacho kusvika chinangwa ichocho chazadziswa. Unogona kubvisa mari iyi chero nguva yaunoda. Zvakare, wana mibairo yakasiyana siyana uye mabhenefiti nekuchengetedza paTtortoise.
Zvepamusoro Zvimiro
- Wana mibairo yemari inoyevedza
- Bvisa mari yako mukati memasekondi
- Bvisa maEMI uye Zvikwereti
- Yemahara-isina njodzi sezvo ichiisa mari yako muEscrow account
- Zero fizi
Wrapping Up
Zvese zviri pamusoro apa zvinopa mamwe makuru ekupa uye mibairo kune vashandisi vawo. Kusiyana neBNPL maapplication, aya maapplication anokubatsira iwe kuita izvo sarudzo dzemari nekukubatsira kuchengetedza zvakanyanya uye kugara kure nechikwereti.
Ita shuwa yekufamba nepakati pese zvirevo uye mamiriro ezvishandiso izvi usati wadyara chero mari mazviri. Ndinovimba iyi bhurogu yanga yakanaka kuti ikubatsire kusarudza pane yako isina basa Sevha Izvozvi, Pay Gare gare app.
Taura pasi chikamu chako chaunofarira kubva kublog uye kuti unoona maapplication aya anobatsira here kana kuti kwete?
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