Nginingi kangaka Izinhlelo zokusebenza ze-BNPL (Thenga Manje Khokha Kamuva). ukungena eNdiya, abantu banelukuluku lokusebenzisa izinsiza zabo zezikweletu.
Kodwa-ke, kuvame kakhulu ukuthi ama-Credit score amaNdiya abe mancane kakhulu ngoba awasebenzisi kakhulu isikweletu.
I-Astu Credit ihlose ukuxazulula le nkinga ngokusiza abasebenzisi ukuthi bakhe isikweletu sabo ngokwenza izinkokhelo zabo ngohlelo lwayo lokusebenza.
Abasebenzisi akudingeki nokuthi benze i-akhawunti yasebhange ehlukile noma bathathe noma yiziphi izimalimboleko ukuze bathuthukise isikolo sabo se-CIBIL.
Ake sibuyekeze lolu hlelo lokusebenza futhi sinqume ukuthi kufanele ulusebenzisele ukwakha isikweletu sakho noma cha.
Iyini i-Astu Credit?
I-Astu Credit iyinhlangano Ukuqala kwe-Indian isekelwa ama-VC amakhulu afana ne-Titan Capital ne-Samyakth Capital. Ipulatifomu igxile kuphela ekwakheni isikolo sesikweletu yabasebenzisi.
Ihlangana nama-credit bureaus amakhulu njenge-Experian, i-CIBIL, i-CRIF, ne-EQUIFAX ukuze kuthuthukiswe isikolo sesikweletu sabasebenzisi.
Kunokuba idale i-akhawunti entsha yasebhange, i-Astu Credit isiza abasebenzisi bayo ukuthi benze isikweletu sabo sibe ngcono, ngokwenza izinkokhelo ngenkundla yabo. Uze uthole izipesheli ezithile nezaphulelo ngohlelo lokusebenza.
Okushiwo ngemuva kwegama elithi Astu:(Vedic) IPA: /ɐs.tu/; (Okwakudala) IPA: /ˈɐs̪.t̪u/. I-VerbEdit. अस्तु • (Ukwenzile). makube njalo, makube njalo, kulungile.
Ake sibheke izici zayo ngokuningiliziwe.
Izici ze-Astu Credit
I-Astu Credit isesesigabeni sokuthuthuka futhi isazoqala ukukhipha zonke izici zayo.
Nokho, ngizochaza zonke izici ezizofika kuhlelo lokusebenza nokuthi ungazisebenzisa kanjani ngokugcwele.
1. I-Debit Card Ethuthukisa Isikolo Sesikweletu
Isici esishintsha kakhulu se-Astu Credit ukuthi isiza ekukhuliseni isikolo sakho nge- I-debit card.
Yebo, ukuzwe kahle. Okufanele ukwenze nje ukwenza ukuthenga kwakho usebenzisa inkundla yohlelo lokusebenza noma ngekhadi layo lasebhange i-Astu ezolikhipha ngokuzayo.
U-Astu uthi amaphuzu akho esikweletu azoqala ukuba ngcono ezinyangeni ezintathu kuya kweziyisithupha uma uqhubeka nokusebenzisa izinsizakalo zayo ukwenza imisebenzi.
2. Khokha Izikweletu Zezinsiza
Nge-Astu, ungakwazi ukukhokha kalula izikweletu zakho ngokusebenzisa inkundla yayo.
Ithumela imininingwane yakho yokukhokha kubalingani bayo abakwa-NBFC, ababese bedlulisela phambili okwenziwayo. Zonke izinkokhelo ezinjalo futhi zisiza ekuthuthukiseni isikolo somsebenzisi.
Ungakhokha izikweletu zakho zomshwalense, izikweletu zikagesi, izikweletu zegesi, nokunye okuningi ngokusebenzisa ipulatifomu.
3. Hlola Isikolo Sakho Sesikweletu (Siyeza Maduze)
Ungathola nokuhlola isikolo sakho sesikweletu nge-Astu. Ngemva kokufaka imininingwane efanele, i-Astu Credit iphakamisa umbuzo othambile ngomlando wakho wesikweletu (Umbuzo othambile awuphazamisi isikolo sakho sesikweletu).
Nokho, lesi sici sisazovela bukhoma endaweni yesikhulumi.
4. Izimbuyiselo ezifika ku-10%
Ngokusebenzisa izinsizakalo ze-Astu, ungenza ukuthenga kwakho kalula ngenkathi uthuthukisa isikweletu sakho.
Kodwa, akunjalo. Abasebenzisi futhi banikezwa imbuyiselo yemali efika ku-10% kukho konke okwenziwayo okukodwa ezinyangeni ezi-3 zokuqala.
5. Ixhuma Ne-akhawunti Yasebhange Ekhona
Uma ubucabanga ukuthi ikhredithi yakwa-Astu izodala i-akhawunti entsha yamasevisi abo, lapho-ke akulona iqiniso. Ngokungafani nezinye izinhlelo zokusebenza zezimali, i-Astu isebenza ku-akhawunti yakho yasebhange ekhona.
Odinga ukukwenza nje ukuyixhumanisa ne-akhawunti yakho ye-Astu Credit kanye nebhingo. Ungabe ususebenza kumaphuzu akho esikweletu ngaphandle kokuthatha noma yiziphi izikweletu noma isikweletu futhi ngokwenza nje ukuthengiselana okuvamile.
Isebenza kanjani?
I-Astu Credit ihlangana namahhovisi ezikweletu aphezulu emhlabeni okuhlanganisa i-Experian, i-CIBIL, i-Equifax, ne-CRIF ukuze isize abasebenzisi bayo bakhe isikweletu sabo.
Ingeza ku-akhawunti yakho yasebhange endaweni yesikhulumi. Uma wenza inkokhelo ngenkundla, idonsa ngokuzenzakalelayo inani ku-akhawunti yasebhange.
Njengoba umthengi enza umsebenzi ngeplatifomu ye-Astu, imininingwane yalo mcimbi igcinwa yipulatifomu. Ngemva kwenyanga eyodwa, konke okwenziwa nguwe enyangeni yonke kuyalungiswa futhi imibiko ithunyelwa kuma-credit bureaus.
Lawa ma-credit bureaus abe esehlola konke ukuthengiselana kwezezimali komsebenzisi futhi awangeze emlandweni wabo wesikweletu. Njengoba umlando wesikweletu uqhubeka ukhula ngokuhamba kwesikhathi, amaphuzu esikweletu sabasebenzisi aqala ukwanda kancane kancane.
Esikhathini esiyizinyanga ezi-3-6, uzokwazi ukubona amaphuzu aphezulu esikweletu.
Ngale ndlela awudingi ukuthatha noma yiziphi izimalimboleko, amakhadi esikweletu, nanoma yiluphi olunye uhlobo lwesikweletu ukuze wakhe amaphuzu akho esikweletu. Kuyinqubo ephephe ngokuphelele engafaki ingozi.
buhle
- Isixhumi esibonakalayo esisebenziseka kalula
- Ipulatifomu iyahambisana namabhange ayi-127
- Ukunikezwa okufika ngesikhathi kanye nokubuyiselwa kwemali kubasebenzisi
- Ikhadi ledebithi labasebenzisi
- Inikeza ubumfihlo obuhle nokuphepha kubasebenzisi
- Ayibandakanyi noma yiziphi izinkokhelo
- Inikeza imbuyiselo engu-10% kukho konke okwenziwayo okukodwa izinyanga ezi-3 kubasebenzisi abaphezulu
- Khulisa izinga lakho kanye nomkhawulo wembuyiselo ngokubhekisa kubangani nomndeni wakho
- Hlola Isikolo sakho Sesikweletu
- Ukungafihli kwakho konke okwenziwayo
bawo
- Uhlelo lokusebenza lusesesigabeni sokuthuthukiswa
- Isebenza ngesisekelo sokumema kuphela. Wonke umsebenzisi akafaneleki ukuthi aqale ngokushesha ukusebenzisa amasevisi akhe
- Kunezinkulungwane zabasebenzisi, futhi inikeza kuphela ukuthuthukiswa kwekhredithi kubasebenzisi abaphezulu okukhawulela izici zayo kubasebenzisi abasha
- Isici samaphuzu esikweletu sisazoba bukhoma, okuwumphumela wenkundla
Isinqumo sami
Uma sikhuluma ngezici nokusebenza kwe-Astu Credit, kuwuguquko ngempela emkhakheni wezikweletu. Uma siwacubungula kahle amaNdiya, lisekhona iningi labantu elingakholelwa ezinsizeni zezikweletu. Lokhu kuholela kumphumela ongemuhle wesikweletu kubantu abaningi.
Nokho, iqiniso lokuthi ungayithuthukisa ngokwenza izinkokhelo ngohlelo lokusebenza libonakala lishintsha igeyimu.
Yize i-Astu ithembisa okuningi kubasebenzisi bayo, isazokhipha amakhadi ayo edebithi. Lokhu kwenza kube nzima ukusho ukuthi izokwazi yini ukuqhuba imisebenzi yayo ngaphandle kwezinkinga noma cha.
Uma ungibuza, ngingaphakamisa ukuthi abafundi bami babhalisele inkundla njengoba izosiza ekubambeni okunikezwayo kusenesikhathi kanye nokubuyiselwa kwemali ngokuzayo.
Ingasaphathwa eyokuthi i-Astu Credit isekelwa ama-VC amakhulu afana ne-Titan Capital ne-Samyakth Capital, okwandisa ukwethembeka kwayo ngokuningi.
Imibuzo Evame Ukubuzwa
Yini isikolo sekhredithi?
Amaphuzu esikweletu yinani elinqunywa umlando wakho wesikweletu. Njengoba ukhokha ama-EMI akho futhi usula imalimboleko yakho, le mininingwane igadwa futhi ilondolozwe ama-credit bureaus. Ngokuzayo, noma nini lapho udinga ikhredithi, lesi sikolo sisebenza njengesikali sokulinganisa ukwethembeka kwakho nokuba semthethweni.
Yiziphi izinzuzo zokuba nesikolo esihle?
Kunezinzuzo eziningi eziza kanye namaphuzu amahle esikweletu. Ezinye zazo zimi kanje:
- Ukugunyazwa Kwemalimboleko Esheshayo
- Amanani enzalo ephansi
- Imiklomelo efika ngesikhathi kanye nokubuyiselwa kwemali kumakhadi akho esikweletu
- Thola isikhathi eside sokuboleka imali yakho
- Umkhawulo ophezulu ekhadini lakho lesikweletu
- Thola isaphulelo ezinkokhelweni zakho nasezinkokhelweni zokucubungula imalimboleko
Ingabe zikhona izindleko zokusebenzisa Ikhadi le-Astu Credit's?
I-Astu Credit ayikhokhisi imali yonyaka ngekhadi layo. Azikho futhi izinkokhelo zokujoyina zesikhathi esilinganiselwe.
Yini I-Credit Bureau?
I-Credit Bureau yinkampani eqoqa umlando wesikweletu kanye nakho konke ukuthengiselana ngesikweletu komsebenzisi futhi ilungise amaphuzu esikweletu afanelekile ngaleyo ndlela. Ine-algorithm yayo yokunquma isikolo sekhredithi.
Lesi maphuzu kamuva sabelwa ababolekisi ukuze babasize banqume ukwethembeka komfakisicelo wemalimboleko.
Kunezikhungo ezine ezinkulu zezikweletu ezweni:
- I-Experian
- I-TransUnion CIBIL
- I-Equifax
- Inani eliphakeme kakhulu lama-CRIF
Ngingakwazi ukusebenzisa i-Astu Credit ukukhokha ngingaxhunyiwe ku-inthanethi?
Yebo, ungakwazi kalula ukukhokha ungaxhunyiwe ku-inthanethi ngekhadi ledebithi lika-Astu, ozolithola ngemva kokubhalisela uhlelo lokusebenza.
shiya impendulo