P2P Mvumo Ipa Chimwe Chinoenderana Nevatengesi VeMutambo
Chii chiri P2P Chikweretesa?
P2P zvikwereti zvikwereti zvinogadzirwa nevanhu uye varimi - kusiyana nemari yakabhadhara inobva kubhangi renyu.
Vanhu vane mari yakawanda vanopa kupa mari iyo kune vamwe (vanhu nemabhizimisi) vanoda mari. Basa reP2P (rakadai sewebsite) rinowirirana nevateresi nevakwereta kuitira kuti nzira yacho ive nyore kune vose vanobatanidzwa.
Kubatsirwa Kwokubhadhara P2P
P2P zvikwereti hazvisi nguva dzose zviri nani kudarika zvikwereti kubva kubhangi kana chikwereti chekambani, asi vane zvimwe zvakasiyana-siyana zvinoita kuti vakwikwidzane.
Low cost: iwe unogona kazhinji kubhadhara pamadhora mashoma uchishandisa zvikwereti zveP2P. Iwe unongoda kubhadhara chikwereti chakanaka kuti uite kuti chikwereti chako chifare - uye zvizhinji zvekufambisa iwe unobhadhara zvinoenda zvakananga kugadzirisa chikwereti chako. Nebhangi uye zvikwereti zvemari, kune zvakakwirira zvepamusoro zvinotengeswa nematare ebazi, mamwe mabhizinesi ebhizimisi, uye vashandi vakawanda. P2P kukwereta kazhinji kacho kugadzirisa zviri nani kudarika kushandisa kadhi rechikwereti, asi rinogara richibhadhara kuenzanisa mitengo.
Kuti uwane chikwereti chako chabhadharwa neP2P chikwereti, tarisira kubhadhara mari yepamusoro yekutangira kubva 1% kusvika ku5% yemari yako chikwereti.
Kuenzaniswa nemari yemunhu pabhangi, iyo mari inogona kuva yakakwirira. Kune rumwe rutivi, vanogona kuuya muzasi kana vachienzaniswa nechipiri chekutengesa (uye iyo nzira iri nyore). Zvechokwadi, pane zvimwe zvikwereti zvezvinhu zvakadai sekubhadhara nguva.
Kurumidza uye nyore: kutenga zvinhu kune zvikwereti kunorwadza. Uye mushure mekunge maita basa, iwe unogona kutarisira nguva kuti uone kana iwe uchibvumira.
Ne P2P zvikwereti, zvimwe zvekutambudzika ikoko kunoderedzwa. Nzira yekushanda inowanzo nyore, uye iwe unogona kuwanzoona nokukurumidza kana kana chikwereti chako chingave chekubhadhara mari. Zvechokwadi mari inogona kutora mazuva mashomanana kana kure (sezvo vashandi vanosarudza kana kana kwete kuisa mari kune chikwereti chako). Nenzira yakanaka, kana iwe uchida kusarudza nokukurumidza, vamwe vasiri vashandi vekutsvaga muIndaneti vanogona kuuya nekuda kwenyu.
Chikwereti nhau, asi zvirema zvakanaka: munyika umo vatengi vanozeza kupa chikwereti kune chero munhu ane zvinhu zvisina kunaka mumabhuku avo echikwereti , P2P vatengi vanoramba vari chinhu chinokwezva. Iwe unofanirwa kuva nechikwereti chakanaka kuti uwane chibvumirano - chikwata cheFICO pakati pemakore 600 chiri nani-asi P2P inogona kukupa mamwe mazano pane iwe unowanikwa kune vanokwereta kwaunogara. Izvo zvakanyanya kukupa chikwereti, kunyanya zvikwereti izvi zvichabhadhara (nemari yepamusoro yemari), asi ndizvo zvaunoenda kupi zvako kwaunoenda.
Mhando dzeMari
P2P zvikwereti zvakatanga sezvikwereti zvako zvisina kudzivirirwa - iwe unogona kukwereta chero chinangwa chepamutemo chaunoda, uye iwe hauna kutora chikwereti kuti uwane mvumo kune chikwereti. Izvo zviri izvo zvakanyanya kufanana nemhando dzezvikwereti, uye ndizvo zvinonyanya kuchinja: iwe unogona kuisa mari kune chikwereti chekubatanidza , motokari itsva, kuvandudza imba, kana kutanga bhizinesi.
Kana iwe uchida kukwereta kuchikoro chepamusoro, chengetedza kuti kana kwete izvo zvinokwanisika nemutengi wako.
Nokufamba kwenguva, P2P yakakweretesa yakatanga kupa zvikwereti zvemishandirapamwe (semabhizimisi emari) uye zvikwereti zvakachengetedzwa nekutengesa.
Yakakurumbira P2P Vatengesi
Nhamba yeP2P chikwereti inoramba ichikura. Iyo pfungwa yakakurumbira neProsper.com neLending Club, iyo yose iyo idzo nheyo huru muP2P nzvimbo. Kana iwe uchizoita chikwereti, zvichida zvakakosha kuwana chidimbu kubva kune imwe yezvinhu zviviri izvi. Chero zvaunenge uchiita, tsvakurudza mumwe nomumwe anokweretesa uye uverenge maitiro kubva kune mabhuku anoyemekedzwa usati wakumbira chikwereti - iwe uchada kupa mashoko akajeka akadai seNyu Social Security Number, uye iwe haugoni kugovera ruzivo ichocho kune mbavha chaiyo ( kana muchengeti wekare wembavha).
Kune zvakawanda zvevamwe vanokweretesa, uye zvimwe zvakanaka zvinosarudzwa zvinobva pakuderera kwe "P2P" yakakwana: pane kubhadhara kubva kune mumwe munhu anokweretesa, unokweretesa kubva kune vamwe vasiri mabhengi. Mari idzi dzekuInternet dzinobhadharwa nemhando dzakasiyana-siyana dzevatengesi, uye mari inogona kunyange kubva kumabhangi (pasina ruzivo rwemabhadharo rwebhangi).
Iyo inoshanda sei
Kukweretesa nekwereti yeP2P, sarudza mutero uye tanga kushanda kwekuita. Iwe uchada kupa tsanangudzo pamusoro pako, uye iwe unogona kutsvaga kuti unofunga kushandisa sei mari. Mutero wako achaongorora chikwereti chako, uye kana iwe uchikodzera kubasa rako chikwereti chako chichaiswa kune vakweretesa kubhadhara.
Iwe unoda kumirira mari, iyo inogona kutora mazuva akawanda kana masvondo mashoma. Kana chikwereti chako chabhadharwa mari, uchawana mari yemari uye iwe ucharipa chikwereti nemashandisirwo ehurumende yemari. Iwe unowanzobhadhara kwemakore matatu kusvika mashanu, asi iwe unogona kutora nguva dzose uchibhadhara pasina chero chirango -chinokubatsira kuchengetedza mari pachibereko .
Kubhadhara chikwereti: sezvo iwe uchibhadhara chikwereti chako, iwe uchavaka chikwereti (vazhinji vanokweretesa vanorondedzera basa renyu kune mari yechikwereti ), izvo zvinofanira kukubatsira kukwereta pane zviri nani mune ramangwana. Zvechokwadi, kana zvikwereti zvinouya munguva shoma kana iwe usina kukweretesa pachikwereti , chikwereti chako chichatambura - saka chiita icho chinhu chikuru uye utaurire nemutengi wako kana iwe ukawira panguva dzakaoma.
Iko yakachengeteka ku Borrow neP2P here?
Zvechokwadi, zvinowanikwa pane zvaunoreva kuburikidza nekuchengeteka, asi vazhinji vanokweretesa vane mutengi-vane ushamwari. Vanochengetedza ruzivo rwako sekuchengeteka seimwe imwe nzvimbo yezvemari, uye hutano hwose hunoitwa kuburikidza nekinyorwa chekutsvaga shanduro. Kuzivikanwa kwako kunofanira kuchengetwa pakavanzika kune vanokweretesa, uye chikwata chekufarira chinowanzokwikwidzana neicho chaunogona kuwana pane imwe nzvimbo (iwe unenge uchange uchida kubhadhara mari shoma pane iwe waizoripira chikwereti chepazuva ).