Kukwereta Mari paKweretesa Chikwata
Sei uchishandisa mari yeP2P?
Iwe une nzira dzakasiyana-siyana kana zvasvika pakukwereta.
P2P zvikwereti ndeimwe imwe nzira. Vanowanzosvitsa mari kudarika mari yechikwereti kubva kumabhangi-uye-matumba, uye mune dzimwe nguva, ivo vari nyore kuti vakwanise. Nzira yacho iri nyore zvakare - iwe unogona kuita zvose paIndaneti (iyo ndeyechokwadi kune mabhengi mazhinji mazuva ano, asi zvimwe zvinoda mapepa).
Sezvo iwe mutengi akachenjera, unofanira kutarisa zvose zvasarudzo uye enda nekanakisisa. Iva nechokwadi chekubatanidza zvibvumirano zvekodheni munzvimbo yako mukutsvaga, uye nevamwe vasiri vebhanisi vatengesi vepaIndaneti .
Basics of Lending Club
Kuwana chikwereti: kuti uwane chikwereti, iwe uchada kugadzira chikumbiro paIndaneti. Achifunga kuti iwe unokodzera kubhadhara, chikwereti chako chinogona kubhadharwa mumazuva mashoma. Muzviitiko zvisingawanzoiti, zvinotora kusvika mavhiki maviri kuti vatengesi vatsigire chikwereti chako. Kana iwe usiri kuwana zvipo zvokuzadza chikwereti chako che 100%, iwe unogona kuva nesarudzo yekutora chikwereti "chikwereti" chinogona kunge chakanaka kupfuura chinhu.
Mhando dzezvikwereti: zvikwereti zvinogona kushandiswa kune chero chii zvacho.
Zvikwereti zvebhizimisi zviripo, asi kwete zvekutanga. Bhizimisi rako rinofanira kunge rakashanda kwemakore maviri. Kana ukawana chikwereti chako , iwe unogona kushandisa mari yezvose zvaunoda - kusanganisira bhizinesi rako duku, utano hwehutano, kuvandudza kwemusha, nezvimwe. Iko, hongu, pane zvishoma zvishoma (haugone kushandisa mari yezvinangwa zvisiri pamutemo, dzidzo yepamusoro, nezvimwe zvinoregererwa).
Kukodzera: kuti uwane chikwereti, iwe unofanira kuva nemakore gumi nemasere uye mugari weUnited States, unogara unogara, kana kuti pane visa yakareba visa. Kufanana nemari yakawanda, iwe uchada mari yekubhadhara chikwereti, uye iwe unogona kuongorora kuti mari yacho (nokupa magwaro akaita saW-2 Mafomu kana kuti mitero inosvika, kana Lending Club ingashevedza mushandi wako). Iwe uchazofanirawo kuisa kero yebhangi yeUnited States kuLending Club kuti uwane mari. Lending Club ichaongorora zvakare chikwereti chenyu . Iwe haunoda chikwereti chakakwana, asi kukwereta hakusi kudhura nekodhi yakanaka.
Kugadziriswa: unogona kukwereta kusvika ku $ 40,000 kuti uite chikwereti chako uye $ 300,000 nokuda kwezvikwereti zvebhizimisi. Chikwereti chako chichabhadharwa kubva kubhengi yako yebhanki yakabatanidzwa nebhadharo yemwedzi iwechete (kunze kwekuti iwe uchibhadhara necheki, zvinodhura $ 7.00 pamubhadharo, uye haisi pfungwa yakanaka). Maripo inouya mumatatu matatu nemashanu mazwi , asi iwe unogona kubhadhara chikwereti chako pakutanga pasina chekubhadhara chikwereti . Iwe unobvumirwa kuva nezvikwereti zviviri zvakakosha panguva imwe (iwe unogona kazhinji kubhadhara chikwereti chechipiri mushure mekunge waita 12 pa-nguva kubhadhara chikwereti chako chekutanga).
Kubhadhara chikwereti : zvikwereti uye mari yako inoshandiswa kune chikwereti chekwereti. Ndiyo mashoko akanaka kana iwe uchibhadhara pa-nguva, uye nhau dzakaipa kana iwe usingakwanisi kuripa. Izvi zvikwereti zvinogona kukubatsira iwe kuvaka gorosi kana iwe uchibhadhara iwe mwedzi woga woga, zvichiita kuti zvive nyore kuwana zvikwereti zvakakura (semukwereti wemusha) mune ramangwana.
Dhaka: iwe kazhinji haufaniri kutora chibvumirano kuti uwane chibvumirano . Kune zvikwereti zvinopfuura $ 100,000, mari inogona kudiwa. Izvi zvinoita kuti basa rive nyore - pane mapepa mashomanana, uye iwe (uye Lending Club) haufaniri kutarisana nekunyora uye kusunungura zvivako , kana kuti kuita zvigadziro zvako pachako .
Mitero: seye chikwereti chipi nechipi, iwe uchabhadhara chikwereti pamari yaunokwereta. Iwe unogona kuderedza mari iyo kuburikidza nekuripira chikwereti nekukurumidza sezvazvinogona - kubhadhara kupfuura zvishoma ndiyo nzira yakanaka yekudzivirira. Iwewo uchabhadhara mari yekutanga, iyo inenge 1% kusvika ku6% yemari yako yemari. Somuenzaniso, kana ukwereta $ 2,000 uye uchibhadhara mari yepamuviri ye 5%, mari yaizova $ 100, uye iwe unogamuchira $ 1,900 mubhengi rako rebhangi. Vazhinji vanokwereta havazokwanisi kuwana 1% mari (vanokwereta vane chikwereti chikuru vanotenga 1%). Mimwe mari inoshandiswa inoshanda kana iwe uchibhadhara nguva pfupi kana kubhadhara necheki.
Zvaunofunga: hauzozivi kuti ndiani anokukwereta iwe mari, uye mumwe munhu anenge achikwereta haazombozivi kuti uri ani. Kukurukurirana chero kupi zvako kana mibvunzo pamusoro pekwereti yako ichaenda kuburikidza neLending Club. Lending Club inowanzova nzira yakachengeteka uye yakarurama yekukwereta, pamwe nehuwandu-hutano hwakakwana munzvimbo. Sezvaunogara uchiita, iva nechokwadi chokuti uri panzvimbo yepamutemo usati wataura mashoko akajeka akadai sewe Social Security Number.
Zvimwe zvikumbiro: sezvinyorwa izvi, iwe unogona kungoshandisa iwe pachako - haugoni kushanda pamwe chete kana kushandisa shingaira . Izvi zvinoreva kuti iwe uchada kukwanisa kubhadhara chikwereti uchishandisa yako chikoro chikoro, uye iwe uchada mari yakakwana yekuripa chikwereti.