Mhlawumbe awukaze uzwe ukuthi kuyini ukuqoqwa kwabantu, kepha kungenzeka ukuthi kusukela manje kuzoba yikhathi ojwayelene kakhulu naso. Kusebenza ngisho nokwenza ukonga kwakho kube nenzuzo ngendlela eyanelisa ngokwengeziwe ukuvikela izintshisekelo zakho njengomsebenzisi. Ngoba impela, ukuqoqwa kwabantu yi-a ukuxhasa ngezimali izinkampani nabantu ngabanye Lokhu kwenziwa iqembu labatshalizimali abafisa ukwamukela lesi siphakamiso sezezimali ngokushintshana nokubuyiselwa kwezomnotho.
Ukukunikeza umbono ocacile wokuthi kuyini ngempela ukuqoqwa kwabantu, sizokutshela ukuthi kungumsebenzi ofana ncamashi nalawo izikweletu phakathi kwabantu ngabanye. Kwaziwa kangcono njenge-P2P, nalapho amaqembu amabili kule nqubo enza okuthile. Ngakolunye uhlangothi, labo abadinga umugqa wesikweletu ukuhlangabezana nochungechunge lwezidingo. Futhi kolunye, umtshali-zimali okunguyena onikela ngale mali ngokushintshisana ngokuthola imbuyiselo emnandi kakhulu kulo msebenzi. Ngale ndlela, zombili izinhlangano ziyahlomula ngokunyakaza abakwenzayo.
Imisebenzi eyaziwa ngokuthi yi-crowdlending yenziwa ngamapulatifomu ezezimali nezindawo zokuthenga ngesikweletu phakathi kwabantu abavumela abasebenzisi ukuthi bafinyelele ezinhlosweni zabo. Ngochungechunge lwamathuluzi angenisiwe ukuze i- imisebenzi iphephe kakhulu ngisho neziqinisekiso ekuvikelweni kokusebenza. Kuyisiphakamiso esisha ebesivele ezinyangeni ezedlule njengenye indlela yezimali ezikhiqizwa emabhange nasezikhungweni zezezimali. Ngabe ufuna ukwazi kabanzi ngale nsizakalo entsha ongaba nayo kusukela manje kuqhubeke?
Ukuqoqwa kwabantu: kubatshalizimali
Vele, omunye wabazuzi abakhulu bale nsizakalo ngabatshalizimali abancane. Lokhu kunjalo ngoba banganikeza ithiphu yokwehla kwemali kwabanye abantu abayidingayo. Kepha ngenzuzo enkulu yokuthi lo msebenzi uzobalethela inzuzo ethe xaxa kunengxenye enhle yemikhiqizo emiselwe ukutshalwa kwezimali. Ngoba empeleni, ngalesi simiso uzobe usesimweni esihle sokuzuza i- inzalo efinyelela ku-7%. Kuyiphesenti okulukhuni kakhulu kuwe ukuthi ulithole ngokusebenzisa imali yesikhathi, amanothi ezethembiso zebhange noma ngisho nasezimalini zokutshala imali.
Kunoma ikuphi, awudingi ukuthi utshale imali ephezulu ngokweqile. Uma kungenjalo, kunalokho, bahamba ngaphansi kwemingcele engabizi kakhulu kuyo yonke imizi. Kusuka kuma-euro ayi-1.000 kuphela kuze kufike kuma-euro angama-20.000 cishe. Lapho enye yezindaba ezintsha kakhulu lolu hlelo lwe imali Okukhetheke kakhulu ukuthi kusukela ekuqaleni uzoba namathuluzi wokuvikela amakhulu ekusebenzeni. Ukuze ngale ndlela, izingozi ekusebenzeni zinciphiswe kakhulu.
Kubafakizicelo bezikweletu
Ngokombono wabantu abafuna umugqa omncane wesikweletu, kubuye kube umkhiqizo noma insizakalo ethakazelisa kakhulu, njengoba uzobona ngezansi. Ungangena emakethe yezikweletu uma ibhange lakho elijwayelekile lingakuniki isikweletu noma esinye isimo. Ngaphandle kokubuza ukuthi uzochitha kuphi nganoma yisiphi isikhathi imali yafuna. Ungayisebenzisela ukukhokha isikweletu kubantu besithathu, ukhokhe intela noma ubhekane nezindleko ezingalindelekile ezingaphazamisa isabelomali sakho siqu noma somndeni. Ngokwalo mbono, kubhekwa njengenye indlela yezimali onazo njengamanje futhi mhlawumbe nethuba lokugcina lokuthola umugqa omncane wesikweletu.
Kodwa-ke, inzuzo yayo enkulu ukuthi ungakwenza kube semthethweni ukusebenza ngaphansi kwezimo ezingcono lapho kusayinwa inkontileka. Ngesilinganiso senzalo sokuncintisana kakhulu kunaleso esinikezwa ngamabhange. Kufinyelela ezingeni lokuthi ungakwazi thola isikweletu esingu-5%Lokho kusho ukwehliswa kwamaphesenti ambalwa wamanani maqondana nokuxhaswa ngokwezimali kwendabuko. Kepha yini ebaluleke kakhulu, ngaphandle kwesidingo sokuya ebhange lakho futhi ngenqubo eshesha kakhulu ukwedlula kuze kube manje. Lapho kuzofanele ukhethe phakathi kwemithombo ehlukene yezezimali ngokuya ngezidingo zakho zangempela. Ngokusetshenziswa kochungechunge lwezihlungi ukwenza umsebenzi uphephe.
Inhlangano ejwayelekile: ukuguquguquka okungaphezulu
Uma kukhona into eyodwa ehlukanisa lo mkhiqizo noma isevisi yezezimali, kungenxa yokuguquguquka kwayo okukhulu. Kuningi kakhulu ngezingxenye ezimbili ezakha le nqubo. Hhayi ngeze, cha kukhona isikhathi noma utshalomali oluncane, kepha kunalokho uzoba nokuguquguquka okwengeziwe kokwenza umsebenzi ngamunye. Mayelana nokutshalwa kwezimali nanjengesicelo somugqa omncane wesikweletu. Yize kuliqiniso, futhi ngenxa yezizathu ozoziqonda kahle, imisebenzi eyenziwayo ayinanani eliphezulu kwezomnotho. Uma kungenjalo kuncane futhi nokunyakaza okulinganiselwe nokucacisiwe.
Kulesi simo, kufanele wazi ukuthi ukwenza le misebenzi ekhetheke kakhulu uzodinga kuphela bhalisa futhi uziveze kuzingxenyekazi ezinikeza lezi zici. Ukuze kusukela manje kuqhubeke, ungafinyelela isiphakamiso esivumelana nephrofayili yakho njengomsebenzisi. Ngakolunye uhlangothi, njengomtshali-zimali, ungabheka iklayenti elihlinzeka ngenzuzo ephezulu kakhulu nangesikhathi sokubuyisa esanelisa ngempela izintshisekelo zakho. Futhi ngokombono womfakisicelo wezezimali, inhloso kuzoba ukukhetha imalimboleko evumelana nezimpawu zakho: inani, imigomo, inzalo, njll.
Ukuqukethe izingozi
Enye into entsha enikezwa yi-crowdlending okwamanje ukuthi izingozi ekusebenzeni zichazwe kahle. Ikakhulu ngoba banezindlela ezinamandla zokuvikela ezinamathiselwe ezizothakazelisa kakhulu esimweni esithile sabatshalizimali. Ngakolunye uhlangothi, awukwazi ukukhohlwa nganoma yisiphi isikhathi ukuthi abatshalizimali akudingi isipiliyoni ukwenza ukunyakaza kwabo ngaphakathi kwalezi zingosi zesikweletu phakathi kwabantu. Uma kungenjalo, kunalokho, banezimali ngokushesha ezikhundleni ezivulekile kuzingxenyekazi zedijithali.
Enye into ehlinzekwa yile nsizakalo entsha ukuthi bangakwazi thengisa izikhundla zakho ezimakethe zesibili uma befuna ukuba nesikweletu ku-akhawunti yabo yokubheka. Noma kulokhu, izintshisekelo lapho imisebenzi iwele khona ngeke zibe nenzuzo njengalezo ezenziwe ngokusebenza nabanye abantu. Kuyinto okufanele uyicabangele ukugwema inkinga yezikhathi ezithile kulolu hlobo lokutshalwa kwezimali okungajwayelekile esikhuluma ngakho kule ndatshana.
Khetha phakathi kokunikezwa kwesikweletu okuningi
Ngakolunye uhlangothi, futhi kukunika nethuba lokukhetha ukunikezwa kwemali mboleko kusuka kuziphakamiso ezahlukahlukene okufanele usekele kuzo isinqumo sakho. Lesi sici sisebenza ngokuphelele, kubatshalizimali abancane nakulabo abafuna olayini bezikweletu. Kuze kube seqophelweni lokuthi ungakhetha inketho esebenza kahle kakhulu kwizintshisekelo zakho. Okuthile ongeke ukwenze ngokunikezwa okwenziwe amabhange noma izinhlangano zesikweletu. Ngokwalo mbono, akungabazeki ukuthi ukugcwala kwabantu yinto ehlukile nokuthi akuhlangene nakancane nezikweletu cishe okuvamile.
Kwesinye isinyathelo, lolu hlobo lokusebenza kwezimali phakathi kwabantu ngabanye, uqinisekile ukuthi izihlungi ezidingekayo zizokwenziwa nokwandisa ukusebenza Kusukela kumzuzu wokuqala. Ngamanye amagama, nciphisa ubungozi okungenzeka ukuthi le misebenzi yenziwe phakathi kwabantu. Ngenhloso ebaluleke kakhulu futhi ukuthi lokhu kuhamba kuyatholakala ngengxenye enhle yabasebenzisi. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe kusuka endaweni yokubuka eyisisekelo. Ngoba kuyisevisi ehluke ngokuphelele kwabanye owawunayo kuze kube manje.
Izinzuzo zokugcwala kwabantu abaningi
Vele, lolu hlobo lwemalimboleko phakathi kwabantu abathile lukunikeza uchungechunge lwezinzuzo ezinye izinhlelo ezijwayelekile zezimali ezihluphekayo. Phakathi kwayo kugqamisa iminikelo elandelayo esikuvezela yona ngezansi.
- Ukuqunjelwa ndawonye kwakheka njenge enye indlela yangempela yokuthenga ngesikweletu futhi lokho kungakhipha imbuyiselo ephakeme kuno-4%. Kokubili maqondana nezingxenye ezimbili zale nqubo yokulamula phakathi kwamakhasimende azimele.
- Ukunikezwa a isilinganiso senzalo sokuncintisana kakhulu ukwedlula amafomethi wendabuko. Kufika ezingeni lokuthi ingaphindeka kabili noma kathathu intengo yemali kulezi zinhlelo zezimali.
- Le yimisebenzi eyenziwa aziphathi amakhomishini noma ezinye izindleko ekuphathweni noma ekugcineni. Ukuze ngale ndlela, inzuzo kuyo yonke imisebenzi ibe namandla kakhulu ngoba inzalo izokwamukelwa ngokugcwele. Phakathi kwezinye izizathu ngoba abekho abalamuli.
- Kuyinsizakalo eyi vula kuzo zonke izinhlobo zabasebenzisi nalapho uzokwazi kuphela amathuluzi amasha aqhamuka kubuchwepheshe obusha (amakhompyutha, amaselula, amaphilisi, njll.).
- Futhi ekugcineni, uma okudingayo ukwenza imisebenzi emikhulu kuzoba ngcono ukuyeka umzamo ngoba lawa akuzona izinhlobo ezihamba ngaphansi kwalokhu okuguqukayo kwemali. Ukuhlangabezana nalezi zidingo, kunesinye isigaba semikhiqizo ethile ecacisiwe yezimali ezothakazelisa kakhulu kuwe.