Izinhlelo zokusebenza ze-Save Now Pay Later(SNPL) zenzelwe ukonga imali kubasebenzisi ukuze bakwazi ukuthenga imikhiqizo noma amasevisi abawafisayo ngokuzayo.
Lezi zinhlelo zokusebenza zivimba imali yakho njengoba uzinikeza imvume futhi uyikhiphe ngedethi eshiwo noma uma ithagethi isifinyelelwe. Ungakwazi ngisho nokukhipha izimali zakho phakathi nesikhathi sokuphatha ngaphandle kwezinkinga.
Ngisebenzise iningi lalezi zinhlelo zokusebenza ngokwami futhi ngazikala ukusuka kokuhle kakhulu kuye kokubi kakhulu. Ngakho-ke, ake siqale futhi sithole yonke into mayelana nengxenye entsha ye-fintech ye-SNPL.
Yiziphi Izinhlelo zokusebenza ze-SNPL?
Izinhlelo zokusebenza ze-SNPL zivumela abasebenzisi eqela ngaphezulu izinkokhelo zesikhathi esizayo ngokufaka izimali zabo ezinkundleni zokuxhumana. Lezi zimali zigcinwa kumathuluzi ezezimali ahlukahlukene yizinhlelo zokusebenza futhi kamuva zikhishwa kunoma yikuphi ukuthengwa noma imigomo ebekwe umsebenzisi.
Manje, ingxenye engcono kakhulu mayelana nalezi zinhlelo zokusebenza ukuthi zinikeza izaphulelo ezihlukahlukene ekuthengeni okwenziwe kusuka ezisekelweni zazo.
Lezi zaphulelo zenziwa abathengisi noma izinhlelo zokusebenza ze-SNPL ngokwazo. Ngakho-ke, ngamafuphi, lezi zinhlelo zokusebenza zikuvumela ukuthi uthenge imikhiqizo yakho oyintandokazi ngamanani ehlisiwe futhi zikuvikele kude nesikweletu.
Izinhlelo zokusebenza ezahlukene zinezindlela ezihlukene zokuphatha izimali zamakhasimende azo. Abanye bayifaka ku-akhawunti ye-Escrow isikhathi esithile kanti, abanye bayifake ngokuqondile ku-akhawunti yomthengisi ngendlela yokukhokha kusengaphambili.
Manje, uma udideka phakathi kwezinhlelo zokusebenza ze-SNPL ne-BNPL bese ingxenye elandelayo izokubonisa ngokucacile ukuthi zombili zihluke kanjani.
Ihluke Kanjani I-SNPL Ku-BNPL?
Izinhlelo zokusebenza ze-BNPL zikuvumela ukuthi uthenge ngokusebenzisa amakhredithi. Lokhu kusho ukuthi ungathenga noma yini ngaphandle kokusebenzisa imali yakho bese uyibuyisela emuva ezinhlelweni zokusebenza. Le nqubo ibandakanya yakho isikolo sesikweletu kanye nezinye izindlela ezahlukene zezikweletu.
Ngakolunye uhlangothi, izinhlelo zokusebenza ze-SNPL zikuvumela ukuthi wenze ukuthengiselana ngemali yakho. Alukho uhlobo lwekhredithi oluhilelekile kule ndlela. Lezi zinhlelo zokusebenza zikwenza wonge isikhathi eside futhi zivimbe lezo zimali. Ekugcineni, uma usulondoloze inani elanele, lezi zinhlelo zokusebenza zikuvumela ukuthi uthenge futhi unikeze ngisho ngezaphulelo.
Kunomehluko omkhulu ku-psychology yalezi zinkundla futhi. Ake sikuqonde lokhu ngokuningiliziwe.
Cabanga ukuthi ufuna ukuthenga izicathulo ezintsha ezibiza cishe u-Rs.10,000 kodwa awunayo ngisho nengxenye yalezo zimali. Manje, uzobona inketho yokuthenga lezo zicathulo ngokushesha ngesikweletu futhi uzibuyisele ngezitolimende zanyanga zonke ngaphandle kwenzalo eyengeziwe.
Lokhu kwenza umthengi acabange ukuthi kuyisimo sokunqoba kuye, kanti, izinto ziphambene. Lesi sikweletu esilula sikwenza ube sengozini yezindlela zokumaketha ezihehayo ngalezi zinkundla.
Lokhu kungenxa yokuthi uma uthenga lezo zicathulo ngesikweletu, izimali zakho zenyanga elandelayo zizobhekana nobunzima obukhulu, njengoba manje sekufanele ukhokhe imali esele kuma-EMIs.
Lokhu kwandisa umthwalo emaphaketheni akho ngokushesha.
Manje, ake sithi ukhethe inkundla ye-SNPL ukuze uthenge izicathulo ezifanayo. Okuwukuphela kwe-drawback yalokhu kuyoba ukuthi ngeke uthole izandla zakho kulezo zicathulo ngokushesha. Kufanele ulinde uze ube nemali eyanele yokuzithenga.
Uzokwenza lokhu ngokufaka inani elimisiwe ngezikhathi ezithile endaweni yesikhulumi, futhi uhlelo lokusebenza lwe-SNPL luzoqhubeka luqongelela lesi samba. Ngemva kwesikhathi esithile, uzothenga lezo zicathulo ngemali yakho ngaphandle kokwesaba isikweletu noma i-EMIs.
Lena yindlela izinhlelo zokusebenza ze-BNPL ezikwenza ngayo ukuthi uchithe imali eningi kunalokho okufanele futhi izinhlelo zokusebenza ze-SNPL zikusiza ukuthi umelane nokuthenga okungalindelekile.
Uma sikhuluma ngokwenza inzuzo, kokubili i-SNPL ne-BNPL kuyafana. Zombili lezi zinhlelo zokusebenza zenza imali ngabathengisi njengoba benikezela ngemikhiqizo yabo ezinkundleni zabo.
Ngalokhu, bakhuphula ukuthengisa ngokungaqondile futhi ngenxa yalokho bakhokhisa ikhomishini evela kulaba bathengisi. Izinhlelo zokusebenza ze-BNPL nazo zenza imali uma amakhasimende engakwazi ukukhokha inani phakathi nesikhathi ngendlela yenzalo.
Njengamanje, kufanele ukuthi usuyiqondile i-SNPL nokuthi ihluke kanjani ku-BNPL. Ngakho-ke, ake singene siqonde ohlwini lwezinhlelo zokusebenza ezihamba phambili ze-SNPL e-India.
Izinhlelo zokusebenza ezihamba phambili ze-SNPL eNdiya
Izinhlelo zokusebenza ezilandelayo ze-SNPL zibalwa ngenombolo yazo yezici, ukusebenzelana komsebenzisi, nokwaneliseka kwekhasimende. Ngizozama ukuchaza ukuthi lezi zinhlelo zokusebenza zisebenza kanjani kanye nokugqama kwazo. Ngakho-ke, ake siqale ngohlelo lokusebenza lokuqala lwe-SNPL eNdiya.
1. EasyPlan
I-EasyPlan iwuhlelo lokusebenza lwe-Save Now Pay Later olukuvumela ukuthi uqoqe imali yokukhokha esikhathini esizayo. Ungaqala ukulondoloza ngemali ephansi njenge-Rs.100. Ifaka imali oyilondolozile kumathuluzi okutshala imali anobungozi obuncane. Lawa mathuluzi okutshala imali ayizibambiso zezikweletu ezinikeza isilinganiso senzalo esihle futhi ezithwala ubungozi obuncane kakhulu.
Kunezinketho ezimbili zokutshala izimali ezinengozi encane kakhulu endaweni yesikhulumi. Uma unomgomo ubude bawo bungaphansi kwezinyanga eziyi-6, imali yakho izodluliselwa ku-ICICI Prudential Liquid Fund kuyilapho, ngemigomo enesikhathi esingaphezu kwezinyanga ezingu-6, ungakwazi ukugcina izimali zakho ku-ICICI Prudential Savings Fund.
Manje, ingxenye engcono kakhulu ukuthi ungakwazi ukukhipha izimali zakho ze-liquid noma nini lapho ufuna. Asikho isikhathi sokukhiya futhi ubungozi obukhona kulezi zimali buncane kakhulu.
I-EasyPlan iphinde ikuthumelele izaziso nezikhumbuzi ezifika ngesikhathi ukuze wonge imali yezinhloso zakho futhi uyifake endaweni yesikhulumi.
Izici eziphezulu
- Yonga imali nge-Net Banking noma nge-UPI
- Thola izikhumbuzi ngediphozithi yakho ezayo zokwenza imali yokonga
- Khipha imali yakho noma nini lapho ufuna
- Isilandeleli somgomo esenziwe ngokwezifiso ukuze sigade ukuqhubeka kwakho
- Thola imali yakho ku-akhawunti yakho ezinsukwini zebhizinisi ezingu-1-2
2. hubble
I-Hubble iwuhlelo lokusebenza olulondolozayo olunikeza umvuzo oqinisekisiwe ongu-5% owengeziwe uma usebenzisa imali yakho endaweni yesikhulumi ngaso leso sikhathi. Iphinde inikeze omunye umvuzo ongu-10% uma ulondolozela umgomo wakho kuhlelo lokusebenza futhi kamuva uqedele ukuthenga.
Ungenza izinkokhelo ezifika ngesikhathi kalula kuhlelo lokusebenza futhi njengoba umgomo usuphelile, uthola umklomelo ongeziwe ongu-10%. Nokho, uma ushintsha umqondo wakho futhi uhoxise izimali zakho ngaphambi kokuthi umgomo ufinyelelwe, awutholi miklomelo.
Izimali zifakwa emabhange anelayisensi ye-RBI anikeza ukuphepha okuphezulu. Ayifaki imali yakho noma kuphi kodwa igcina emabhange abambisene nayo.
Izici eziphezulu
- Imiklomelo yakho ayikhokhiswa intela
- Thola imiklomelo eqinisekisiwe ezinkokhelweni ezisheshayo noma ezinkokhelweni ezihleliwe
- Khipha imali yakho noma nini ngemizuzwana
- Ukunikezwa okufika ngesikhathi nemiklomelo evela ku-Hubble
- Azikho izimali noma izindleko
3. Ukuphindaphinda
I-Multipl ikunikeza izinketho zokutshala ezinobungozi obuphansi ezingagcini nje ngokukuvumela ukuthi ukhulise imali yakho kodwa futhi ezikusiza ekufinyeleleni izinjongo zakho ngokwenza ukonga. Ungagcina kalula imali eningi ngalolu hlelo lokusebenza ngokulusebenzisa ngesikhathi. Kukuvumela ukuthi utshale izimali eziqondile ezingenakhomishini ezinembuyiselo emihle futhi ezithwala ubungozi obuncane.
Ungatshala kalula nge-SIP noma isamba semali ngaphandle kokukhokha noma iyiphi ikhomishini. I-Multipl ibhaliswe ne-SEBI, eyenza iphephe futhi ivikeleke kubasebenzisi. Ungakwazi ukukhipha kalula, usebenzise, noma umise izimali zakho ngokuchofoza okukodwa noma nini lapho ufuna.
Izici eziphezulu
- Izinkokhelo ze-SIP ezizenzakalelayo
- Ibhaliswe ne-SEBI
- Ilandelela imigomo yakho nokusebenza kwezimali ukuze uthole imininingwane engcono
- Isaphulelo esifika ku-25% ezimbuyiselweni nasezinzuzweni ezivela kubathengisi
- Vula izinselele, amaleveli, neziqophamlando futhi uwine imiklomelo ehlukahlukene
4. ufudu
Ufudu luhluke kancane kunezinhlelo zokusebenza ezimbili ze-SNPL okukhulunywe ngazo kuze kube manje. Esikhundleni sokutshala izimali zokulondoloza zabasebenzisi, uFudu ulufaka kuma-akhawunti e-Escrow alawulwa yi-RBI. Leli nani lihlala livaliwe kuze kube yilapho usufuna ukulithola. Kunenqubo elula kakhulu yokuqala ngoFudu.
Vele ungene kuhlelo lokusebenza bese ukhetha uhlobo nomkhiqizo ofuna ukuwuthenga. Ngemva kokumisa isikhathi sesikhwama, ungaqala manje ukusilondolozela.
Qhubeka ufaka izimali kuze kube yilapho lowo mgomo ufinyelelwa. Ungakwazi ngisho nokuhoxisa lesi samba noma nini lapho ufuna. Futhi, thola imiklomelo ehlukahlukene kanye nezinzuzo ngokonga kuFudu.
Izici eziphezulu
- Thola imivuzo ekhangayo yemali
- Hoxisa imali yakho ngemizuzwana
- Lahla ama-EMI kanye Nezikweletu
- Ayinabungozi njengoba ifaka imali yakho ku-akhawunti ye-Escrow
- Imali engekho
Ukufaka phezulu
Zonke izinhlelo zokusebenza ezingenhla zinikeza okunikezwayo okuhle kakhulu nemivuzo kubasebenzisi bazo. Ngokungafani nezinhlelo zokusebenza ze-BNPL, lezi zinhlelo zokusebenza zikusiza ukuthi wenze okulungile izinqumo zezimali ngokukusiza ukuthi wonge kakhulu futhi uqhelelane nesikweletu.
Qiniseka ukuthi udlula kuyo yonke imigomo nemibandela yalezi zinhlelo zokusebenza ngaphambi kokutshala noma yiziphi izimali kuzo. Ngithemba ukuthi le bhulogi ibiyinhle ngokwanele ukukusiza ukuthi unqume ngohlelo lwakho lokusebenza olungenzi lutho Londoloza Manje, Khokha Kamuva.
Beka amazwana ngengxenye yakho oyithandayo evela kubhulogi nokuthi uthola lezi zinhlelo zokusebenza ziwusizo noma cha?
shiya impendulo