Ungathatha imali-mboleko ngokuchasene notyalo-mali lwakho kwiibhanki ezinkulu kunye nee-NBFC, ezinje:
- Izibambiso ze-ICICI
- HDFC izibambiso
- I-Aditya Birla Capital
- Motilal Oswal
- Bajaj Ezezimali
Kodwa ezi bhanki, NBFCs, aziyi kuba yeyona ndlela ilungileyo yokuboleka imali ngokuchasene notyalo-mali lwakho, ngakumbi ukuba ungumntu oqalayo. Inkqubo ihlala inde. Kufuneka uthethe nabaphathi, uthethe-thethane kwaye udlule iitoni zamaphepha.
Ke, ngezantsi ngamanye amaqonga onokuthi ujonge kuwo ukuze ufumane inzala engcono, inkxaso yabathengi, kunye namava angcono ngokubanzi. Xa kuthelekiswa neebhanki.
ImaliJar
IMoneyJar mhlawumbi yeyona ndlela ilula yokufumana imali-mboleko kutyalo-mali lwakho lwengxowa-mali. Nangona kunjalo, kukho igatya elinye elinyanzelekileyo:
- Udinga i-akhawunti yebhanki ye-HDFC esebenzayo.
- Kuphela i-CAMS enikwa inkonzo funds mutual ziyasebenza kwiimali-mboleko.
NgeMoneyJar, unokufumana imali-mboleko ngokuchasene notyalo-mali kuyo nayiphi na i-AMC eneCAMS njenge-RTA yayo, efana ne-ICICI, Aditya Birla, HDFC, DSP nokunye.
Nangona kunjalo, ii-AMC ezifana ne-Axis Mutual Fund azinakufaneleka ukufumana imali-mboleko nge-MoneyJar kuba i-RTA yayo iyi-Kfintech, eyayifudula ibizwa ngokuba yi-Karvy.
Eli lelona qonga lilungileyo lokufumana i-mutual fund overdraft mboleko ukuba umtsha ngokupheleleyo kule nto kwaye ufuna ukugcina yonke into ilula. Awuyi kuba nexhala malunga namaphepha amaninzi, iifowuni okanye ukuhamba ngenkqubo ende. Ilula njengoko inokufumaneka ngeMoneyJar.
Kufuneka ugcwalise iphetshana lesicelo, ujonge ukufaneleka kwakho, kwaye iingcaphephe zeMoneyJar ziya kufikelela kuwe xa isicelo sakho siqwalaselwa. Yidijithali epheleleyo, akukho nkqubo yamaphepha kwaye ayizukuthatha iiveki ukusetyenzwa.
Nje ukuba umiselwe umda we-ovadrafti yakho, unokukhetha ukuba lingakanani kwaye lingakanani isixa-mali esikhutshwe kwi-ovadrafti onqwenela ukusidlulisela kwiakhawunti yakho yebhanki ye-HDFC. Inzala isebenza kuphela kwisixa osisebenzisayo ukusuka kumda we-ovadrafti. Hayi kwimali-mboleko epheleleyo eyabelwe wena. Ubungakanani bomda we-overdraft owusebenzisayo kuxhomekeke kuwe ngokupheleleyo.
Ukuba ungumntu oqalayo ngokupheleleyo, iMoneyJar yeyona ndawo ilungileyo yokufumana imali-mboleko kwiimali zakho.
INDmali
Ngokusisiseko, i-INDmoney yi ipotifoliyo yokulandelela / utyalo-mali app. Nangona kunjalo, banikezela ngeenkonzo zeofisi yentsapho, ngoko ndacinga ukuba ukubandakanya kolu luhlu kuya kuba nengqiqo.
Nge-INDmoney, unokufumana imali-mboleko kwiingxowa-mali zakho ngokufanayo ngenkqubo esesikweni kakhulu nende xa kuthelekiswa neMoneyJar.
Kwaye kuya kuxabisa ngaphezulu.
Okokuqala, kuya kufuneka ubhalise kwisicwangciso sobulungu be-INDMoney eqala kwi-INR 999/ngenyanga kwaye emva koko kuya kufuneka uhlawule nayiphi na imirhumo / iintlawulo iqela le-ofisi yosapho lwe-INDmoney ekucela ukuba wenze njalo.
Gcina ukhumbula, apha uya kuba neqela leengcali zezimali ezikuncedayo. Baza kukhathalela iirhafu, inkqubo yemboleko, amaphepha kunye nayo nayiphi na enye into efunekayo ekufumaneni imali-mboleko.
Igatya elisisinyanzelo lokufumana imali-mboleko ngokuchasene notyalo-mali lwakho nge-INDmoney a Inqaku lekhredithi ye-CRIF ye-750+.
Ayinakufumana kuphela imali mboleko kwiimali zakho ezifanayo, kodwa i-INDmoney iya kukunceda ufumane imali mboleko kwezinye iiasethi zakho zotyalo-mali.
Ke, ukuba ufuna imali-mboleko kwiimali ezihlangeneyo kunye nezinye izinto zexabiso kwipotifoliyo yakho ngelixa uneqela leengcali zokukunceda, i-INDmoney inokuba lukhetho oluhle.
Zerodha Capital
Usenokuba uyazi ukuba iZerodha ibonelela ngomda ngokuchasene nezinto ozibambileyo, kodwa ikwabonelela ngeemali-mboleko ngokuchasene nezibambiso ezigcinwe phantsi kweakhawunti yakho yeDemat.
I-Zerodha isandula ukuphehlelela i-Loan Against Security subsidiary ebizwa ngokuba yiZerodha Capital.
Ukuba une-akhawunti ye-Demat kwaye ubambe izabelo, iimali ezifanayo, okanye ezinye izixhobo zotyalo-mali eziqhagamshelwe kwiakhawunti yakho ye-Zerodha - I-Zerodha Capital yindlela elula yokufumana imali-mboleko ngokuchasene notyalo-mali lwakho.
Yinkqubo yedijithali ngokupheleleyo. Ekuphela kwento ekufuneka uyenzile kukwenza isicelo seZerodha Capital, uqhagamshele iakhawunti yakho, usayine amaphepha emali-mboleko ngedijithali kwaye imali ekhutshiweyo iya kufakwa kwiakhawunti yakho yebhanki.
Izinga lenzala ezinikezelwa yi Zerodha Capital njengoko of 26ti ngo-Oktobha 2021 yi-10.5% ngonyaka, engaphantsi kune-MoneyJar. Babhengeza le nzala njengoko imisiwe. Nangona kunjalo, phantsi kwecandelo le-FAQ, uZerodha uthi banokutshintsha inzala esekelwe kwiimeko zoqoqosho.
Kuya kufuneka uqiniseke ukuba ufunda imigaqo nemiqathango ngocoselelo phambi kokuba ukhethe ukubolekwa imali kwizibambiso. Ndicebisa ukuqesha igqwetha ukuba uthatha imali-mboleko ngeenjongo zoshishino okanye ngaphezulu kwe-INR 15 Lakhs.
Nantso ke – ezi zezona ndawo zintathu zokufumana imali-mboleko kwiingxowa-mali ezihlangeneyo.
Ndixelele ukuba unemibuzo.
Shiya iMpendulo