Sei uye Sei Ukwereta PaIndaneti?
Makomborero ekubhadhara paIndaneti
Ko mutengesi wekutsvaga muIndaneti zvakasiyana sei nebhangi rave uchishanda navo kwemakore?
Chizvarwa chitsva chevateresi chinonyanya kuisa pakuita kuti zvive nyore kukwereta.
Kurambidzwa kwekukurumidza: vatengesi vepaIndaneti vanogona kukuudza zvakanyanya kana zvishoma pakarepo kana kuti iwe haubvumirwi, iwe unogona kukwereta sei, uye chii chaunotora chikwereti. Kazhinji mabheji emagariro akasiyana: iwe unogona kunge wakazadza shanduro iri paIndaneti, asi zvingatora nguva kuti uwane mhinduro (mumwe munhu angave achida kuongororai chikumbiro, uye iwe ungatoda kushanyira davi mu-munhu).
Mizinga iri nani: inogara ichibhadhara kutengesa, uye vatengesi vepaIndaneti vanowanzobhadhara zvishoma kudarika zvamuchabhadhara kune imwe nzvimbo. Iwe unofanirwa kuona kutora kwechidimbu chechikwereti uye mari shoma dzebasa (kana pane). Kushandura-ivo chete vanokweretesa havana humwe humwechete semabhanki nemakambani emakokoroni ane matavi emuviri, uye haasangana nemitemo yekutonga yakafanana. Pakupedzisira, izvo zvinoreva iwe unogona kubhadhara zvishomanana.
Kubvumirwa nyore: mabhandi nemakambani emakwere akawedzerwa maitiro pamusoro pemakore.
Zviri nyore kuwana chikwereti kana une chikwereti chikuru . Asi kana iwe uchiri kuvaka chikwereti kana iwe wakambotarisana nenguva dzakaoma munguva pfupi yapfuura, chiyero che FICO chikamu hachizoiti chero zvipi nezvipi. Vanokweretesa paIndaneti vanowanzobvuma kugadzirisa zvikwereti zvechikwereti uye kushandisa "mamwe mazano" ruzivo kuti uongorore chikwereti chako (zvakadai sekubhadhara mari yepamusoro uye kunyange data kubva mumagariro ako evanhu).
Zvikwereti zvisina kuchengetedzwa : zvikwereti zvizhinji zvepaIndaneti hazvina kuchengetedzwa , zvichireva kuti hauna kutora rubatso kuti ubatsire kugamuchirwa . Izvozvo zvingavaita kuti vave vakachengeteka kudarika kubhadharwa nezvinhu zvenyu. Kana ukakundikana kubhadhara chikwereti chisingateteki, chikoro chako chikoro chichadonha ( pakati pezvimwe zvinhu ), asi motokari yako haigoni kudzorerwa zvakare uye hauzotarisana nekufananidza.
Nzira Yokukwereta Sei?
Kuwana chikwereti paIndaneti kwakafanana nekuwana chikwereti chero kupi zvako-kunyange zvingave zvichikunzwa zviri nyore. Iwe unofanirwa kugovera ruzivo rwemunhu wega sewe Social Social Number yako nekero. Zvichienderana neunokweretesa, iwe uchafanirawo kupa ruzivo rwezvemari (zvakadai semashoko pamusoro pebasa rako nemari, mari yako, uye nezvimwe).
Kuti utange, ingotora chikwereti uye shandisa. Iyo nzira inofanira kutora maminitsi gumi nemashanu. Kune pfungwa kune vateresi, verenga.
Marketplace Lending
Izvo zvikwereti zvikwereti zvakanyanya paIndaneti zvinouya kubva kune vasiri vatenzi vedzimba. Mune mamwe mazwi, bhengi rako rekune imwe nyika kana chikwereti chebato rinenge risina kubatanidzwa, uyewo mabhanga makuru iwe unonzwa nezvezuva rimwe nerimwe. Vatsva vanokweretesa vanongotarisa chete pakugadzira rudzi rwemari. Havadi kupa zvipo zvekuongorora nekuchengetedza, makadhi emakwereti, kana bhizimisi.
Vokutanga vakakweretesa panzvimbo ino vaiva vezera-ku-peer (P2P) kukweretesa mabasa , uye avo vachiri mikana yakanaka yekukwereta.
Kukwereka Club naProsper vanofanira kunge vari pamusoro pekunyoresa paunenge uchitenga zvikwereti paIndaneti.
P2P vatengesi vakatanga ne "eBay yezvikwereti" muenzaniso: chero ani zvake aigona kubhadhara chikwereti kuburikidza nekugadzira ruzhinji rwevanhu vachikumbira mari, uye chero ani zvake aigona kukwereta kubhadhara (kutora chikwereti chavanoda kuti vawane, nezvikwereti zvichibhadharwa pa iyo yakaderera kufarira mari inowanika). Nokufamba kwenguva, sangano iri rakaoma kunzwisisa. Mune zvimwe zviitiko, vanhu havaiti chikwereti zvakare - mabhangi uye mamwe masangano makuru ndeye mari yekuchengetedza mari yakakosha yevatengesi pamisika.
Kunyange zvazvo Lending Club neProsper zvinogona kushandiswa kune chero chinangwa, vashandi vatsva vanoedza kukweretesa kune dzimwe mhando dzezvikwereti - uye dzimwe nguva uchaita zviri nani kana uchienzanisa chikwereti chako kumushandi wavo . Semuenzaniso, SoFi yakatanga kuita chikwereti chevadzidzi (uye ikozvino inotora mari, zvikwereti zvemari, nezvimwe), nepo Kabbage neOnDeck vachiita zvikwereti zvemabhizimisi.
Tsvaga vatengi, fanisa zvipo, uye enda nekanakisisa.
Zvechokwadi, iwe unoda kutsvakurudza chero chikwereti kuti uone kuti uri kushanda nekambani yakakurumbira.
Dzivisa Payday Mari
Paunotsvaka zvikwereti zveIndaneti, uchawana zvizhinji zvezvikwereti zvinowanzobhadhara chikwereti chezuva . Izvi ndezvikwereti zvakakosha zvemazuva mashomanana izvo zvinowanzokonzera mune chikwereti chinodhura chakakura. Iwe unogona kuona izvi zvikwereti (zvinofanira kudziviswa) nenzira dzinotevera:
Nhepfenyuro shoma shoma: kubhadhara zvikwereti zvinokweretwa mukati memwedzi kana kupfuura. Tarisa zvikwereti zvaunoita mwedzi mumwe nomumwe kwemakore anoverengeka (uye kuti iwe unogona kubhadhara kare musati wambobhadhara chikwereti )
Nhamba yepamusoro yekutambira kana mari: zvakare, zvitengesa. Payday zvikwereti zvichava zvinodhura zvakanyanya kudarika vatengesi vemisika. Iwe unogona kuwana kadhi rechikwereti uye unobhadhara 20% APR, uye mimwe mitsara inowanikwa paIndaneti inowedzera zvishoma. Kana iwe uchizobhadhara kupfuura izvozvi, iwe unenge uchida kuita chinhu chakaipa.
Hapana cheko chekwereti: chokwadi ndechokuti iwe unoda zvakanaka (asi kwete mukuru) chikwereti kuti uwane chikwereti chakanaka. Munhu wose achakupa chikwereti asina kutarisa chikwereti chako chiri kutora ngozi - uye ivo vanotarisira kubhadharwa nokuda kwekutora ngozi iyo.
Kumusoro-mberi kwekubhadhara: usakweretesa kubva kune chikwereti chiri muIndaneti chinoda kubhadhara mberi. Vanokweretesa vane mvumo vanogona kutengesa mari, asi iyo mari inobva mumari yako yezvikwereti. "Kutsiva kubhadhara" zvinonyadzisa zvinokudzwa nekukukumbira kuti upe mari uye urege kupa chakanaka.
Pasi Pasi
Kuti uwane chikwereti chikuru, unoda kutengesa zvakapoteredza, uye internet vatengesi vanofanira kuiswa mubasa renyu. Gara nevanokweretesa vakakweretesa, uye iwe unofanirwa kudzivisa dambudziko . Tarisa nebhangi yako paunenge uri pairi, uye enda nemunhu anokubata iwe zvakanakisisa. Mabhangi achiri kugovera mabasa anokosha uye anogona kukubatsira kuchengetedza nguva (kana kwete mari) - asi haisi nguva yako yakanakisisa yekukwereta.