Uninzi I-BNPL (Thenga ngoku Hlawula Kamva) ii-apps ukungena eIndiya, abantu banomdla wokusebenzisa amaziko ayo okuthenga ngetyala.
Nangona kunjalo, kuqhelekile ukuba amanqaku eKhredithi amaIndiya ahlwempuzeke kakhulu njengoko bengasebenzisi tyala kakhulu.
I-Astu Credit ijolise ekusombululeni le ngxaki ngokunceda abasebenzisi ukuba bakhe ikhredithi yabo ngokwenza iintlawulo zabo nge-app yayo.
Abasebenzisi akunyanzelekanga nokuba benze i-akhawunti yebhanki eyahlukileyo okanye bathathe nayiphi na imali-mboleko ukuphucula amanqaku abo e-CIBIL.
Makhe sijonge le app kwaye sithathe isigqibo sokuba kufuneka uyisebenzisele ukwakha ikhredithi yakho okanye hayi.
Yintoni i-Astu Credit?
I-Astu Credit yi Ukuqala kweIndiya ixhaswa yi-VCs enkulu njengeTitan Capital kunye neSamyakth Capital. Iqonga ligxile kuphela ekwakheni i amanqaku etyala yabasebenzisi.
Idibanisa kunye namaziko amakhulu ekhredithi afana ne-Experian, i-CIBIL, i-CRIF, kunye ne-EQUIFAX ukuphucula amanqaku amatyala kubasebenzisi.
Kunokuba udale iakhawunti entsha yebhanki, i-Astu Credit inceda abasebenzisi bayo ukuba benze ikhredithi yabo ibe ngcono, ngokwenza nje iintlawulo ngeqonga labo. Ude ufumane izibonelelo ezithile kunye nezaphulelo nge-app.
Intsingiselo emva kwegama elithi Astu:(Vedic) IPA: /ɐs.tu/; (Eyamandulo) IPA: /ˈɐs̪.t̪u/. VerbEdit. अस्तु • (Astu). makube njalo, makube njalo, kulungile.
Makhe sijonge kwiimpawu zayo ngokweenkcukacha.
Iimpawu ze-Astu Credit
I-Astu Credit isekwinqanaba lophuhliso kwaye iseza kuqala ukukhupha zonke iimpawu zayo.
Nangona kunjalo, ndiza kuchaza zonke iimpawu eziya kuza kwi-app kunye nendlela onokuzenza ngayo uninzi lwazo.
1. Ikhadi leDebit elonyusa amanqaku eTyala
Olona phawu luguqulayo lwe-Astu Credit kukuba inceda ekonyuseni amanqaku akho etyala nge Ikhadi ekufakwa imali.
Ewe, uyive kakuhle. Ekuphela kwento ekufuneka uyenzile kukwenza intengiselwano yakho kwiqonga leapp okanye ngekhadi layo lebhanki eliza kukhutshwa ngu-Astu kwixesha elizayo.
U-Astu ubanga ukuba inqaku lakho letyala liya kuqala ukuphucuka kwiinyanga ezintathu ukuya kwezintandathu ukuba uyaqhubeka nokusebenzisa iinkonzo zayo ukwenza intengiselwano.
2. Hlawula iiBhili zokuSebenza
Nge-Astu, unokuhlawula ngokulula amatyala akho asetyenziswayo ngeqonga layo.
Ithumela iinkcukacha zakho zentlawulo kumahlakani ayo e-NBFCs, athi ke aqhubele phambili intengiselwano. Zonke ezo ntlawulo zikwanceda ekuphuculeni amanqaku etyala lomsebenzisi.
Ungawahlawula amatyala akho e-inshurensi, amatyala ombane, amatyala egesi, nokunye okuninzi ngeqonga.
3. Jonga iNqaku lakho leTyala (Kuza kungekudala)
Ude ufumane ukujonga amanqaku akho etyala nge-Astu. Emva kokufaka iinkcukacha ezifanelekileyo, i-Astu Credit iphakamisa umbuzo othambileyo kwimbali yakho yetyala (Umbuzo othambileyo awuchaphazeli amanqaku akho etyala).
Nangona kunjalo, eli nqaku liza kuqhubeka lidlala eqongeni.
4. Iimali ezibuyiselwayo ukuya kwi-10%
Ngokusebenzisa iinkonzo zika-Astu, unokwenza intengiselwano yakho ngaphandle komthungo ngelixa uphucula ikhredithi yakho.
Kodwa, akunjalo. Abasebenzisi banikwa i-cashback ukuya kuthi ga kwi-10% kwintengiselwano nganye kwiinyanga ezi-3 zokuqala.
5. IQhagamshelana neAkhawunti yeBhanki ekhoyo
Ukuba ubucinga ukuba i-Astu credit izakwenza iakhawunti entsha yeenkonzo zabo, akuyonyani. Ngokungafaniyo nezinye ii-apps zemali, i-Astu isebenza kwiakhawunti yakho yebhanki ekhoyo.
Into ekufuneka uyenzile kukuyinxibelelanisa neakhawunti yakho ye-Astu Credit kunye nebhingo. Emva koko unokusebenza kumanqaku akho ekhredithi ngaphandle kokuthatha nayiphi na imali-mboleko okanye ikhredithi kunye nokwenza nje iintengiselwano eziqhelekileyo.
Ingaba isebenza kanjani?
Amaqela e-Astu Credit kunye namaziko aphezulu eKhredithi ehlabathi kubandakanya i-Experian, i-CIBIL, i-Equifax, kunye ne-CRIF ukunceda abasebenzisi bayo ukuba bakhe ityala labo.
Yongeza kwiakhawunti yakho yebhanki eqongeni. Xa usenza intlawulo ngeqonga, i-auto-debits isixa kwi-akhawunti yebhanki.
Njengoko umthengi esenza ukuthengiselana kunye neqonga le-Astu, iinkcukacha zesi siganeko zigcinwa yiqonga. Emva kwenyanga enye, zonke iintengiselwano ezenziwe nguwe kwinyanga yonke zilungiswa kwaye iingxelo zithunyelwa kwii-credit bureaus.
La maziko amatyala emva koko avavanya zonke iintengiselwano zemali zabasebenzisi kwaye zongeze kwimbali yabo yetyala. Njengoko imbali yetyala iqhubeka ikhula ngokuhamba kwexesha, amanqaku etyala abasebenzisi aqala ukukhula kancinci.
Kwisithuba seenyanga ezi-3-6, uya kuba nakho ukubona ukonyuka kwamanqaku etyala.
Ngale ndlela akufuneki uthabathe naziphi na iimali-mboleko, amakhadi okuthenga ngetyala, okanye naluphi na uhlobo lwetyala ukuze wakhe amanqaku akho etyala. Yinkqubo ekhuselekileyo ngokupheleleyo engabandakanyi mngcipheko.
eziluncedo
- Ujongano olusebenziseka lula
- Iqonga lihambelana neebhanki ze-127
- Ukunikezwa kwangexesha kunye nembuyiselo yemali kubasebenzisi
- Ikhadi ledebhithi labasebenzisi
- Inika ubumfihlo obuhle kunye nokhuseleko kubasebenzisi
- Ayibandakanyi naziphi na iintlawulo
- Inikezela nge-10% yembuyekezo yemali kwintengiselwano nganye kwiinyanga ezi-3 kubasebenzisi abaphezulu
- Yongeza inqanaba lakho kunye nomda wembuyekezo yemali ngokubhekisa kubahlobo bakho kunye nosapho
- Jonga iNqaku lakho leTyala
- Ukwenziwa elubala kwayo yonke intengiselwano
neengozi
- I-app ikwisigaba sophuhliso
- Isebenza ngokweSimemo kuphela. Wonke umsebenzisi akafanelekanga ukuba aqalise kwangoko ukusebenzisa iinkonzo zabo
- Kukho amawaka abasebenzisi, kwaye inika kuphela uphuculo lwetyala kubasebenzisi abaphezulu abanciphisa iimpawu zabo kubasebenzisi abatsha
- Uphawu lwamanqaku ekhredithi lusaza kuqhubeka, nto leyo ebuyisela umva eqongeni
Isigqibo sam
Ukuthetha ngeempawu kunye nokusebenza kwe-Astu Credit, ngokwenene luguquko kwicandelo letyala. Ukuba siwahlalutya ngokucokisekileyo amaIndiya, kusekho uninzi lwabantu abangakholelwayo kuncedo lwetyala. Oku kukhokelela kumanqaku asezantsi etyala kubantu abaninzi.
Nangona kunjalo, into yokuba ungayiphucula ngokwenza iintlawulo nge-app ibonakala ngathi iyatshintsha umdlalo.
Nangona i-Astu ithembisa kakhulu kubasebenzisi bayo, iseza kukhupha amakhadi ayo ebhanki. Oku kwenza kube nzima ukuchaza ukuba iya kukwazi na ukuqhuba imisebenzi yayo kakuhle okanye hayi.
Ukuba uyandibuza, ndingacebisa abafundi bam ukuba babhalisele iqonga njengoko liya kunceda ekubambeni unikezelo lwangethuba kunye nembuyiselo yemali kwixesha elizayo.
Singasathethi ke, i-Astu Credit ixhaswa yi-VCs enkulu njengeTitan Capital kunye neSamyakth Capital, eyandisa ukuthembeka kwayo kakhulu.
FAQs
Yintoni inqaku lekhredithi?
Amanqaku ekhredithi ngumfanekiso omiselwa yimbali yakho yekhredithi. Njengoko uhlawula ii-EMIs zakho kwaye ucima imali-mboleko yakho, ezi nkcukacha zibekwe esweni kwaye zigcinwe ngamaziko amatyala. Kwixesha elizayo, nanini na ufuna ikhredithi, eli nqaku lisebenza njengesikali sokulinganisa ukuthembeka kunye nokuba semthethweni kwakho.
Ziziphi iingenelo zokuba namanqaku alungileyo etyala?
Zininzi izibonelelo eziza kunye namanqaku alungileyo etyala. Ezinye zazo zezi zilandelayo:
- Imvume yeMali-mboleko ngoko nangoko
- Amaxabiso enzala ephantsi
- Imivuzo yangexesha kunye nembuyiselo yemali kumakhadi akho etyala
- Fumana ixesha elide lokuhlala kwimali-mboleko yakho
- Umda ophezulu kwikhadi lakho letyala
- Fumana isaphulelo kwiintlawulo zakho kunye neentlawulo zokulungisa imali-mboleko
Ngaba zikhona iintlawulo zokusebenzisa iKhadi le-Astu Credit's?
I-Astu Credit ayihlawulisi mali yonyaka ngekhadi layo. Kananjalo akukho ntlawulo yokujoyina ngexesha eliqingqiweyo.
Yintoni i-Credit Bureau?
I-Credit Bereau yinkampani eqokelela imbali yetyala kunye nazo zonke iitransekshini zetyala zomsebenzisi kwaye ilungiselele amanqaku afanelekileyo etyala ngaloo ndlela. Ine-algorithm yayo yokumisela amanqaku ekhredithi.
La manqaku kamva kwabelwana ngawo nababolekisi ukuze babancede baqonde ukuthembeka komfaki-sicelo wemali-mboleko.
Kukho iiofisi ezine zamatyala ezinkulu kweli lizwe:
- Experian
- TransUnion CIBIL
- Equifax
- I-CRIF uphawu oluphezulu
Ngaba ndingasebenzisa i-Astu Credit ukuhlawula ngaphandle kweintanethi?
Ewe, unokwenza ngokulula iintlawulo ngaphandle kwe-intanethi ngekhadi le-Astu Debit Card, oya kulifumana emva kokubhalisela usetyenziso.
Shiya iMpendulo