Izinhlelo zokusebenza ze-Buy now pay later (BNPL) bezilokhu ziqoqa ukunakwa okukhulu izinyanga ezimbalwa manje.
Lezi zinhlelo zokusebenza ngokuyisisekelo zikuvumela ukuthi ukhokhele izinto zakho ngokushesha ngaphandle kokusebenzisa noma iyiphi imali futhi ukhiqize ibhili ngokuhamba kwesikhathi, kungaba masonto onke, kabili ngenyanga noma nyanga zonke, ukuze nikhokhe lonke inani ndawonye.
Izinhlelo zokusebenza ze-BNPL ziye zalulaza ngempela indlela yokuthenga njengoba zisebenza njengenguqulo elula ye-credit medium, lapho okumele ukwenze nje ukuxhumanisa uhlelo lwakho lokusebenza oluthenga manje olukhokha kamuva nesitolo se-inthanethi othola ukudla kwakho, izingubo, nanoma yini enye. kusuka.
Eziningi zalezi zinhlelo zokusebenza zinenani lenzalo elincane kuphela enanini olibolekile.
Kodwa-ke, uma wehluleka ukukhokha ngesikhathi njengoba isicelo sicela, uzokhokhiswa imali esekwephuzile ngosuku.
Ingxenye engcono kakhulu mayelana nalezi zinhlelo zokusebenza ukuthi zikuvumela ukuthi uboleke inani elikhulu lemali ngaphandle kwanoma yisiphi isibambiso!
Nalu uhlu lwezinhlelo zokusebenza eziyi-12 eziphezulu ezithengwayo manje ezikhokha kamuva eNdiya -
ZestMoney
I-Zest ikuvumela ukuthi ukhokhele okuthengile ngokuthepha okukodwa bese ikuvumela ukuthi ukhokhe isikweletu ngokuhamba kwesikhathi ngezitolimende ezimbalwa.
Ngale ndlela, i-Zest iqinisekisa ukuthi awuphuli ibhange lakho futhi ingaphatha imali yakho kangcono.
Inkundla ayikhokhisi lutho ngekhredithi enikeziwe futhi yamukelwa ezitolo ezingaphezu kuka-10,000 ku-inthanethi kanye nezitolo ezithengisa ngokomzimba ezingu-75,000 e-India.
Njengoba inamakhasimende angaphezu kwezigidi eziyi-11, inkundla ingenye enezinga eliphezulu kakhulu kuze kube manje!
Nakhu okwenza i-Zest ihluke kwabanye abadlali emakethe -
- Ukusetha okulula okungadingi noma yimaphi amaphepha noma credit card imininingwane.
- umkhawulo wesikweletu womuntu siqu wama-Rs. 2 lakh
- Azikho izindleko zokujoyina noma izindleko ezifihliwe
- Imbuyiselo yemali ekwenziweni kokuqala
- Ikuvumela ukuthi ukhokhe isikweletu esikhathini esiyizinyanga ezi-3 kuya kwezi-4
- Ukuhlanganiswa okusheshayo nezinye izinhlelo zokusebenza
I-Money Tap
I-Money Tap ingenye yezinto zokuqala ezisafufusa thenga manje ukhokhele izinhlelo zokusebenza kamuva ezikusiza ukuthi uboleke imali yakho konke ukuthenga kwakho ngendlela evumelana nezimo.
Futhi iza nesici sekhredithi esikwenza ukwazi ukuboleka kufika ku-Rs. 5 lakhs ku-inthanethi futhi uwadlale kamuva ku-inthanethi ngokusebenzisa imisebenzi elula ye-EMI.
Nge-Money Tap, ungakwazi ukuboleka imali yezinto ezimbalwa ezibalulekile njengemalimboleko yezokwelapha, imali mboleko yemfundo, imali ebolekiwe yokulungiswa kwezindlu, kanye nezinjongo zokuzijabulisa njengemali mboleko yohambo, imali mboleko yamasondo amabili nokunye okuningi.
Nakhu okwenza i-Money Tap ihluke kwabanye abadlali emakethe -
- Izilinganiso zenzalo zikhokhiswa kuphela emalini oyibolekile.
- Basebenza nezikhungo zezimali ezilawulwayo eNdiya
- Ukushajwa kabusha okuvamile kwemikhawulo yesikweletu
- Ilawulwa ngokuphelele yi-RBI
- Ukuboleka akudingi noma yisiphi isibambiso
Ilula
Ilula kungenye uhlelo lokusebenza lokuthenga manje olukhokha kamuva oluxhunywe ezitolo ezingaphezu kuka-5500 kulo lonke elaseNdiya.
Uhlelo lokusebenza lunokuxhumana okusebenziseka kalula okukuvumela ukuthi ukhokhele izinto zakho ku-inthanethi ngesikweletu futhi ekugcineni ukhokhe isikweletu ngeshejuli yazinyanga ezimbili.
Ikuvumela ukuthi uboleke imali ngaphandle kwezindleko futhi ukhokhisa imali ekhokhwa sekwephuzile kuphela uma ungayikhokhi isikweletu ngesikhathi.
Uhlelo lokusebenza lubuyekeza imikhawulo yakho njalo, futhi njengoba ugcina isikhathi ukhokha izikweletu zakho, imikhawulo iyandiswa ngokufanele.
Nakhu okwenza i-Simpl ihluke kwabanye abadlali emakethe -
- Ixhunywe kwamanye amabhrendi amakhulu e-India, okuhlanganisa i-Zomato, i-Big Basket, i-Jio Mart nokuningi.
- Abakhokhisi noma yiziphi izimali ezengeziwe zokukhokha izikweletu.
- Ihlinzeka ngesistimu yokukhokha ngokuthepha okukodwa
- Kufaka konke ukubeka izinto obala kumakhasimende
- Ake ube nokulawula okufanele phezu kobunikazi bakho bekhredithi
- Enye yezinhlelo zokusebenza ezithengekayo ezikhona
Sezzle
Sezzle ikuvumela ukuthi uhlukanise lonke inani le-oda lakho libe izingxenye ezi-4 ongazikhokha emavikini angu-6 ngaphandle kwenzalo eyengeziwe.
Bakhokhisa kuphela imali yabanye esebenzayo uma ungabakhokheli ngesikhathi.
Konke okunye akunanzalo! Ngenxa yokuthi inkundla iza nenqubo yesinqumo sokugunyazwa okusheshayo, ayiphazamisi isikolo sakho sesikweletu nganoma iyiphi indlela, ngisho noma uphuthelwe usuku lwakho olunqunyiwe lokukhokha.
Axhunywe namagama amakhulu afana ne-Fastrack, i-Pet Sutra, i-Giva nokuningi, okukuvumela ukuthi uthenge ezitolo zakho ozithandayo ngaphandle kokuhlupheka.
Nakhu okwenza i-Sezzle ihluke kwabanye abadlali emakethe -
- Ixhunywe nabathengisi abaku-inthanethi abangaphezu kuka-10,000
- Zonke izinqumo zokugunyaza zenziwa ngokushesha
- Ukuhlanganiswa okuningi
- Ukwesekwa okuqinile
- Inkokhelo engenanzalo
Inkokhelo yamahhala
Inkokhelo yamahhalaInkokhelo kamuva umkhiqizo wesikweletu ikuvumela ukuthi uthenge manje ukhokhe ngokuhamba kwesikhathi ngezinyathelo ezimbalwa ezilula.
Kungakhathaliseki ukuthi ufuna ukukhokhela ukuxhunywa kwakho kwe-DTH, isikweletu sikagesi noma ukudla oku-oda - I-Freecharge ikunakekela konke! Iphinde ikusize kalula landelela izindleko zakho ngokukunikeza uhlu lwazo zonke izindawo ochitha kuzo imali yakho kanye nezinsuku namanani.
Izinkokhelo azinayo inzalo, okukuvumela ukuthi ujabulele yonke into ngesikweletu kuze kufike usuku lomnqamulajuqu lwebhili yakho. Ungasebenzisa imali engafinyelela ku-Rs. 10,000 nyanga zonke ngohlelo lokuthenga lwe-Freecharge manje olukhokha kamuva!
Nakhu okwenza iFreecharge ihluke kwabanye abadlali emakethe -
- Bakunika inyanga yonke ukuthi ubakhokhele.
- Inkundla inesici sokukhokha ngokuthepha okukodwa esivikelwe ngephinikhodi noma i-OTP.
- Yonke inzalo oyikhokhayo, uma ikhona, ibuyiselwa kuwe njengembuyiselo ye-Freecharge engasetshenziselwa ukukhokha okulandelayo.
- Azikho izimali zokucubungula
- Isebenza nezitolo ezingaphezu kuka-25,000, okuhlanganisa iMyntra, Swiggy, Zomato nokunye
I-Lazypay
Njengoba leli gama lisikisela, I-Lazypay njengenkundla yenzelwe kahle bonke abadlali abavilaphayo abafisa ukwenza isamba sokukhokha ngesikhathi esisodwa esikhundleni sokwenza izinkokhelo ezincane izikhathi eziningi.
Banesistimu yokukhokha kabili ngenyanga, kanye nomthetho wokukhokha ngokuthepha okukodwa okuvumela ukuthi ukwazi ukukhokha ngaphandle kwezinkinga nezitolo eziningi kulo lonke elase-India.
Ungasebenzisa futhi le nkundla nge-UPI yakho, ku-inthanethi nokungaxhunyiwe ku-inthanethi; azikho izinkokhiso ezifihliwe futhi ayikho imali yenzalo esebenzayo uma uzikhokha ngesikhathi.
Nakhu okwenza iLazypay ihluke kwabanye abadlali emakethe -
- Ikuvumela ukuthi uthenge ngqo ezitolo eziningi
- Ikuvumela ukuthi ukhokhe ngezinhlelo ze-EMI zezinyanga ezi-3, 6, 9 neziyi-12
- Xhumana namagama afana ne-Make My Trip, Book My Show, Swiggy nokuningi
- Ingasetshenziselwa ukuthenga ku-inthanethi, ukubhukha i-cab, izinkokhelo ze-utility bill nokunye.
- Khokha ngokugcwele noma nge-EMI - noma kunjalo, uyathanda
- Kulula ukwenza kusebenze i-akhawunti
I-Paytm Postpaid
Enye yezinkampani ezinkulu zezinsizakalo zezezimali zaseNdiya, I-Paytm, futhi inohlelo lwayo lokuthenga manje khokha kamuva ongalusebenzisa. Izinkokhelo ezingenanzalo zingabuyiselwa phakathi kwezinsuku ezingu-30, futhi inyanga ngayinye ungasebenzisa imali efinyelela ku-Rs. 60,000.
Inkundla yamukelwa kabanzi ezweni lonke, futhi ngeke uthole isitolo ungaxhunyiwe ku-inthanethi noma ku-inthanethi esingayamukeli i-Paytm.
Ipulatifomu iphinde ikusize ukuthi wakhe eyakho isikolo sesikweletu ngokukhokha isikhathi futhi kukwenza ufanelekele ukubolekwa imali engcono!
Nakhu okwenza i-Paytm Postpaid ihluke kwabanye abadlali emakethe -
- Ukukhokha okushesha kakhulu ngokuchofoza okukodwa
- Yamukelwe ezitolo ezingaphezu kuka-5 lakh ku-inthanethi naku-inthanethi
- Ixhunywe namagama amakhulu afana ne-Dominos, i-Croma, i-Indian Oil, nokuningi
- Inqubo yedijithali ngokuphelele
- Ikuvumela ukuthi ukhokhe ngokugcwele noma ngama-EMIs
- Ayibandakanyi noma iyiphi imali yokuvula
Thumela Pe
I-Post Pe iwuhlelo lokusebenza lwe-Buy-manje-pay-kamuva oluphethwe yi-BharatPe oluvumela abasebenzisi ukuthi bathole amakhredithi futhi bawasebenzise ezindaweni ezihlukahlukene. Ungakwazi ukukhokha inani lenzalo engu-0 esikhathini esiyizinsuku ezingu-30.
Iphinde inikeze isikweletu esingafika ku-Rs.10 lakhs kubasebenzisi ngokusekelwe kumphumela we-CIBIL.
I-PostPe inikeza isici sokuskena abasebenzisi abangakhokha ngaso ngokushesha ngamakhodi e-QR futhi kamuva babuyisele ngama-EMI. Umthethosivivinywa ukhiqizwa ngomhlaka-1 nyanga zonke. Abasebenzisi futhi banenketho yokuhlukanisa ngama-EMIs anyanga zonke angu-3/4/5/6.
Nakhu okwenza i-PostPe ihluke kwabanye abadlali emakethe -
- Sebenzisa ikhadi le-Postpe ukuthenga ku-inthanethi noma ungaxhunyiwe ku-inthanethi
- Bhalisa ngokushesha nge-Whatsapp
- Bheka kuhlelo lokusebenza bese uzuza imbuyiselo efika ku-5%.
- Thumela imali koxhumana nabo noma i-akhawunti yakho yasebhange ngaphandle kwezinkinga
- Ikhredithi engenanzalo kufika ezinsukwini ezingu-30
- Isilinganiso sohlelo lokusebenza-4.1 izinkanyezi
ichashazi
The ichashazi Thenga manje khokha kamuva uhlelo lokusebenza lunokuxhumana okuqondile okukhokhela inqubo engenamthungo.
Zonke izinkokhelo zakho ze-UPI zenziwa ngemizuzwana, futhi ukuthenga kwakho kwansuku zonke kusekelwa ithimba eliqinile labantu abakhuthele abazimisele ukukusiza kunoma yini nakho konke. Inkundla iyatholakala kukho kokubili i-Google Play ne-App Store.
Bakunikeza umkhawulo wakho wesikweletu ngokwamaphuzu akho esikweletu, ngakho-ke lapho isikolo sakho siphezulu, ungachitha imali eningi ngesikweletu! Ukukhokha kwenzeka njalo ngomhlaka-5 no-20 wenyanga ngayinye.
Nakhu okwenza iBullet ihluke kwabanye abadlali emakethe -
- Ukugibela kalula ngokusho imininingwane yekhadi le-PAN
- Ukudla okulula kanye nenqubo yokukhokha
- Umjikelezo wokukhokha kabili ngenyanga
- Interface yomsebenzisi-friendly
- Ikuvumela ukuthi ulandelele izindleko zakho nsuku zonke
Mobikwik ZIP
Mobikwik ZIP Thenga manje khokha kamuva uhlelo lokusebenza likuvumela ukuthi usebenzise imali efika ku-Rs. 30,000 njalo ngenyanga kumabhrendi angaphezu kwe-1 lakh ku-inthanethi nokungaxhunyiwe ku-inthanethi. Kusukela ekudleni, ukuvakasha, amakhadi ezipho, izikweletu ukuya ezitolo - I-Mobikwik ZIP ikunikeza yonke into ngaphansi kophahla olulodwa!
Inkundla inezipesheli namadili afika aphinde adlule cishe nsuku zonke, akwenza ukwazi ukuzuza imbuyiselo ezinkokhelweni ezifika ngesikhathi nokunye okwengeziwe. Ungasebenzisa futhi inkundla noma ezinye izinsiza ezifana nokudlulisela ebhange, ukushajwa kabusha nokukhokha izikweletu nokunye.
Nakhu okwenza i-Mobikwik ZIP ihluke kwabanye abadlali emakethe -
- Inzalo engu-0% kuzo zonke izinkokhelo zekhredithi
- Kudingeka amadokhumenti amancane ukuze kumiswe
- Ikhredithi efika ku-Rs. 30,000 njalo ngenyanga
- Kukusiza ukuthi wakhe isikolo sakho sesikweletu ngokukhokha ngesikhathi.
I-Epay Kamuva
I-EpayLater iletha uguquko kusomabhizinisi wezwe ngokunikeza isikweletu esikhulu sama-Rs.25 lakhs ngaphandle kwenzalo ngesikhathi sokukhokha.
Isebenzisana namanye amabhrendi amakhulu ezweni okuhlanganisa i-Flipkart wholesale, Metro wholesale, nokunye okuningi.
Sebenzisa kalula amakhredithi akho ukusuka ku-Rs 25k ukuya ku-Rs 25 lakhs futhi uthole izinsuku eziyi-14 zokuyikhokha ngenzalo engu-0%.
Nakhu okwenza i-Epay ihluke kwabanye abadlali emakethe -
- Inqubo yokubhalisa eyimizuzu engama-5
- Phatha i-akhawunti yakho ngokuphelele kuselula yakho
- Ukuchofoza okukodwa kokuphuma ngamathani abathengisi
- Ayikho inzalo ehlanganisiwe kukhredithi
- Isilinganiso sohlelo lokusebenza- 4.5 izinkanyezi
I-Snapmint
Ngokulandwa okungaphezulu kwezigidi ezi-5, i-Snapmint ingumdlali womdlalo omkhulu esigabeni se-E-commerce. Manje, yenza nokungena kwayo engxenyeni ye-BNPL ngezinketho ze-EMI ezithengekayo.
Inikeza inketho yokukhokha kalula ngama-EMI ngaphandle kokuba nekhadi lesikweletu. Ngemva kokubhalisa, umsebenzisi uthola umkhawulo wesikweletu ngokuya ngesikolo sesikweletu emakhadini akhe okukhokha. Ngale ndlela, uthola ukusebenzisa isikweletu ngaphandle kokuba namakhadi esikweletu noma imalimboleko.
Kukhona amathani emikhiqizo ku-Electronics, indlela yokuphila, nemfashini etholakala kuhlelo lokusebenza. Ungasebenzisa ngisho nezinsizakalo zayo ze-BNPL ezinkampanini ezinkulu ze-E-commerce, okuhlanganisa i-Amazon, i-Flipkart, i-Myntra, i-Shopper's Stop, nokuningi.
Nakhu Okwenza I-Snapmint Ihluke Kwabanye Abadlali Emakethe -
- Amakhasimende e-Premium angathatha imalimboleko yomuntu siqu kwa-Snapmint.
- Thenga ku-inthanethi/ungaxhunyiwe ku-inthanethi futhi ukhokhe nge-Snapmint
- Izinketho zokukhokha eziphansi ziyatholakala
- Azikho izindleko zesicelo noma zokudlulwa ezihilelekile
- Inqubo yokufaka isicelo iku-inthanethi ngo-100%.
- Isilinganiso sohlelo lokusebenza- 4.4 izinkanyezi
Yilokho kuphela. Lezi bekuyizikhetho zami zezinhlelo zokusebenza ezihamba phambili ze-BNPL esinazo njengamanje e-India.
Izinhlelo zokusebenza ze-BNPL esikhulume ngazo ziphakathi kwabadlali abahamba phambili emakethe, ezinikeza izinhlelo zokukhokha eziguquguqukayo kanye nenzalo engu-0% kuwo wonke amakhredithi athathiwe.
Lezi zinhlelo zokusebenza zenza ulwazi lwakho lokuthenga lube lula futhi lusebenze kahle, njengoba akudingekile ukuthi ufake imininingwane yakho yokukhokha njalo uma uthenga okuthile.
Vele ukhokhe ngalezi zinhlelo zokusebenza bese ukhokhela uhlelo lokusebenza isamba semali kamuva!
shiya impendulo