Gcina ngoku Hlawula kamva(SNPL) usetyenziso lwenzelwe ukugcina imali kubasebenzisi ukuze bathenge iimveliso okanye iinkonzo abazinqwenelayo kwixesha elizayo.
Ezi apps zivala imali yakho njengoko ubanika imvume kwaye uyikhulule ngomhla ochaziweyo okanye emva kokuba ithagethi iphunyeziwe. Ungade ukhuphe imali yakho phakathi kwe-tenure ngaphandle kokuphazamiseka.
Ndisebenzise uninzi lwezi apps ngokwam kwaye ndazibeka ukusuka kokulungileyo ukuya kokubi. Ke, masiqalise kwaye sifumane yonke into malunga necandelo elitsha le-fintech le-SNPL.
Ziziphi ii-Apps ze-SNPL?
Usetyenziso lwe-SNPL luvumela abasebenzisi Gcina imali iintlawulo ezizayo ngokufaka imali yazo kumaqonga. Ezi mali zigcinwa kwizixhobo ezahlukeneyo zemali yi-apps kwaye kamva zikhutshwe kuyo nayiphi na intengo okanye iinjongo ezibekwe ngumsebenzisi.
Ngoku, elona candelo lilungileyo malunga nezi apps kukuba banikezela ngezaphulelo ezahlukeneyo ekuthengweni okwenziwa kumaqonga abo.
Ezi zaphulelo zenziwa nokuba ngabarhwebi okanye zii-apps ze-SNPL ngokwabo. Ke, ngokufutshane, ezi app zikuvumela ukuba uthenge iimveliso zakho ozithandayo ngamaxabiso athotyiweyo kwaye zikugcine kude netyala.
Ii-apps ezahlukeneyo zineendlela ezahlukeneyo zokuphatha iimali zabathengi bazo. Abanye bayifaka kwi-akhawunti ye-Escrow ixesha elithile ngelixa, abanye bayifake ngokuthe ngqo kwi-akhawunti yomthengisi ngendlela yokuhlawula kwangaphambili.
Ngoku, ukuba uyabhideka phakathi kwe-SNPL kunye ne-BNPL apps ke icandelo elilandelayo liza kukubonisa ngokucacileyo ukuba zombini zahluke njani.
Yahluke njani i-SNPL kwi-BNPL?
Ii-apps ze-BNPL zikuvumela ukuba uthenge ngokusebenzisa iikhredithi. Oku kuthetha ukuba ungathenga nantoni na ngaphandle kokusebenzisa imali yakho kwaye kamva uyihlawule kwii-apps. Le nkqubo ibandakanya yakho amanqaku etyala kunye neminye imilinganiselo eyahlukeneyo yekhredithi.
Kwelinye icala, ii -apps zeSNPL zikuvumela ukuba wenze utshintshiselwano ngemali yakho. Akukho hlobo lwetyala olubandakanyekayo kule ndlela. Ezi apps zikwenza ugcine ixesha elide kwaye uvale ezo mali. Ekugqibeleni, xa ugcine imali eyaneleyo, ezi apps zikuvumela ukuba uthenge kwaye unikeze nezaphulelo.
Kukho umahluko omkhulu kwisayikholoji yela maqonga ngokunjalo. Masiyiqonde le nto ngokweenkcukacha.
Cinga ukuba ufuna ukuthenga iperi yezihlangu ezitsha ezixabisa malunga ne-R.10,000 kodwa awunaso nesiqingatha sezo mali. Ngoku, uya kulubona ukhetho lokuthenga ezo zihlangu ngokukhawuleza ngetyala kwaye uzihlawule ngezavenge zenyanga ngaphandle kwenzala eyongezelelweyo.
Oku kwenza umthengi acinge ukuba yimeko yokuphumelela kuye, kanti, izinto zichasene. Eli tyala lilula likwenza ube sesichengeni kubuchule bokuthengisa obunomtsalane ngala maqonga.
Oku kungenxa yokuba xa uthenga ezo zihlangu ngetyala, imali yakho yenyanga elandelayo iya kubandezeleka kakhulu, njengoko ngoku kufuneka uhlawule imali eseleyo kwii-EMIs.
Oku kwandisa umthwalo kwiipokotho zakho ngoko nangoko.
Ngoku, masithi ukhethe iqonga le-SNPL ukuthenga izihlangu ezifanayo. I-drawback kuphela yale nto iya kuba kukuba awuyi kufumana izandla zakho kwezo zihlangu ngokukhawuleza. Kufuneka ulinde ude ube nemali eyaneleyo yokuzithenga.
Uya kukwenza oku ngokufaka imali emiselweyo ngamaxesha athile eqongeni, kwaye i-app ye-SNPL iya kuhlala iqokelela le mali. Emva kwexesha elithile, uya kuthenga ezo zihlangu ngemali yakho ngaphandle koloyiko lwetyala okanye ii-EMIs.
Le yindlela ii-apps ze-BNPL ezikwenza ngayo ukuba uchithe ngaphezulu kunokuba ubufanele kwaye ii-apps ze-SNPL zikunceda ekuxhathiseni ukuthenga ngokungxama.
Ukuthetha malunga nokwenza inzuzo, zombini i-SNPL kunye ne-BNPL ziyafana. Zombini ezi apps zenza imali ngabarhwebi njengoko benikezela ngeemveliso zabo kumaqonga abo.
Ngale nto, banyusa ngokungathanga ngqo intengiso kwaye kungoko bahlawulisa ikhomishini kwaba barhwebi. Ii-apps ze-BNPL zenza imali ukuba abathengi abakwazi ukuhlawula imali ngexesha lexesha lenzala.
Ukuza kuthi ga ngoku, kufuneka ukuba uyayiqonda i-SNPL kunye nendlela eyahluke ngayo kwi-BNPL. Ke, masingene ngqo kuluhlu lwezona zixhobo zibalaseleyo zeSNPL eIndiya.
IiApps ezilungileyo zeSNPL eIndiya
Ezi apps zilandelayo zeSNPL zibekwe kwinani leempawu, ujongano lomsebenzisi, kunye nokwaneliseka kwabathengi. Ndiza kuzama ukucacisa ukuba ezi zixhobo zisebenza njani kunye nezinto ezibalaseleyo zazo. Ke, masiqale ngenombolo yokuqala ye-SNPL app eIndiya.
1. EasyPlan
I-EasyPlan yi-app ye-Gcina ngoku Bhatala kamva ekuvumela ukuba uqokelele imali yentlawulo yexesha elizayo. Ungaqala ukonga ngexabiso eliphantsi njenge Rs.100. Igcina imali oyongileyo kwizixhobo zotyalo-mali ezinomngcipheko ophantsi. Ezi zixhobo zotyalo-mali zizibambiso zamatyala ezibonelela ngenzala elungileyo kwaye zithwala imingcipheko encinci kakhulu.
Kukho iindlela ezimbini zotyalo-mali ezinomngcipheko omncinci kakhulu eqongeni. Ukuba unenjongo ubude bayo bungaphantsi kweenyanga ezi-6, imali yakho iya kudluliselwa kwi-ICICI Prudential Liquid Fund kanti, kwiinjongo ezinexesha elingaphezu kweenyanga ezi-6, unokugcina imali yakho kwi-ICICI Prudential Savings Fund.
Ngoku, eyona nxalenye ilungileyo kukuba ungayirhoxisa imali yakho yolwelo nanini na ufuna. Akukho xesha lokutshixa kwaye umngcipheko obandakanyekayo kwezi mali uphantsi kakhulu.
I-EasyPlan ikwathumela izaziso kwangexesha kunye nezikhumbuzo zokugcina imali kwiinjongo zakho kwaye uyibeke eqongeni.
Amanqaku aphezulu
- Yonga imali nge-Net Banking okanye nge-UPI
- Fumana izikhumbuzo kwiidiphozithi zakho ezizayo zokonga imali
- Yikhuphe imali yakho nangaliphi na ixesha ofuna
- Umkhondo olungiselelweyo wokujonga inkqubela yakho
- Fumana imali yakho kwiakhawunti yakho ngeentsuku zokusebenza ezi-1-2
2. Hubble
I-Hubble lusetyenziso olugcinayo olubonelela nge-5% yomvuzo owongezelelweyo oqinisekisiweyo ukuba uhlawulela imali yakho eqongeni ngoko nangoko. Ikwabonelela nge-10% yomvuzo owongezelelweyo ukuba ugcine usukelo lwakho kwi-app kwaye kamva ugqibezele ukuthenga.
Unokwenza lula ukuhlawula ngexesha kwi-app kwaye njengoko injongo igqityiwe, ufumana umvuzo owongezelelweyo we-10%. Nangona kunjalo, ukuba utshintsha ingqondo yakho kwaye urhoxise imali yakho ngaphambi kokuba injongo ifezekiswe, awufumani mvuzo.
Iimali zifakwa kwiibhanki ezinelayisenisi ze-RBI ezibonelela ngokhuseleko oluphezulu. Ayityali mali yakho naphi na kodwa iyigcina kwiibhanki zayo zeqabane.
Amanqaku aphezulu
- Imivuzo yakho ayirhafiswa
- Fumana amabhaso aqinisekisiweyo kwiintlawulo ezikhawulezileyo okanye iintlawulo ezicwangcisiweyo
- Yikhuphe imali yakho nangaliphi na ixesha kwimizuzwana
- Ukunikezwa kwangexesha kunye nemivuzo evela kuHubble
- Akukho mali okanye iintlawulo
3. Uphindaphinda
I-Multipl ibonelela ngeendlela ezahlukeneyo zotyalo-mali ezinomngcipheko ophantsi ezingakuvumeli nje ukuba ukhulise imali yakho kodwa zikwancede ekuphumezeni iinjongo zakho ngokwenza ukonga. Unokugcina imali eninzi ngokulula ngokusebenzisa le app ngokuyisebenzisa ngexesha. Ikuvumela ukuba utyale imali kwikhomishini engahlawulelwanga ngokuthe ngqo kwiingxowa-mali ezinembuyekezo entle kwaye zithwale umngcipheko ophantsi.
Ungatyala imali ngokulula nge-SIP okanye isixa-mali ngaphandle kokuhlawula nayiphi na ikhomishini. I-Multipl ibhaliswe kunye ne-SEBI, eyenza ikhuseleke kwaye ikhuseleke kubasebenzisi. Ungarhola ngokulula, uhlawule, okanye uyeke imali yakho ngokucofa kube kanye nanini na ufuna.
Amanqaku aphezulu
- Iintlawulo ze-SIP ezizenzekelayo
- Ibhaliswe kwi-SEBI
- Ukulandelela iinjongo zakho kunye nokusebenza kwemali ukuze ufumane ulwazi olungcono
- Ukuya kuthi ga kwi-25% yesaphulelo kwimbuyekezo kunye neenzuzo ezivela kubathengisi
- Vula imiceli mngeni, amanqanaba, kunye neembali kwaye uphumelele imivuzo eyahlukeneyo
4. Ufudo
Ufudo lwahluke kancinane kunee-apps ezimbini ze-SNPL ezikhankanyiweyo ukuza kuthi ga ngoku. Endaweni yokutyala imali eyongayo yabasebenzisi, uFudo ulufaka kwiiakhawunti ze-Escrow ezilawulwa yi-RBI. Esi sixa-mali sihlala sitshixiwe de ube ufuna ukusifumana. Kukho inkqubo elula kakhulu yokuqalisa ngoFudo.
Yiya nje kwi-app kwaye ukhethe uphawu kunye nemveliso ofuna ukuyithenga. Emva kokumisela ixesha lengxowa-mali, ungaqala ngoku ukuyigcinela.
Qhubeka ufaka imali de loo njongo ifezekiswe. Ungade uyirhoxise le mali nanini na ufuna. Kwakhona, fumana imivuzo eyahlukeneyo kunye neenzuzo ngokonga kuFudo.
Amanqaku aphezulu
- Fumana imbuyekezo yemali enomtsalane
- Khupha imali yakho ngemizuzwana
- Lahla ii-EMIs kunye neeMali-mboleko
- Ayinamngcipheko njengoko ifaka imali yakho kwiakhawunti ye-Escrow
- Imirhumo yeZero
Ukuqhawula phezulu
Zonke ezi apps zingentla zibonelela ngeentengiso ezintle kakhulu kunye nemivuzo kubasebenzisi bazo. Ngokungafaniyo ne-apps ze-BNPL, ezi zixhobo zikunceda ukuba wenze okulungileyo izigqibo zezemali ngokukunceda ukuba wonge ngakumbi kwaye uhlale kude netyala.
Qiniseka ukuba uyayihamba yonke imiqathango kunye neemeko zezi app ngaphambi kokuba utyale imali kuzo. Ndiyathemba ukuba le bhlog ibilungile ngokwaneleyo ukukunceda wenze isigqibo malunga nokungaSebenzi kwakho Gcina ngoku, usetyenziso lwakamva.
Phawula ngenxalenye yakho oyithandayo kwibhlog nokuba ufumanisa ezi apps ziluncedo okanye hayi?
Shiya iMpendulo