Kwinqaku lanamhlanje siza kuthetha ngesihloko esinokuba nomdla kakhulu kuwe kwaye sikwazi ukuqaphela okanye ukuchonga ababolekisi be-intanethi bobuxoki, oku kubaluleke kakhulu ukuze ungaweli kumgibe okanye kubuqhophololo. Njengoko sifuna ukuphepha oku kuzo zonke iindleko, sikuzisa ngaphantsi kwayo yonke ingcaciso ofuna ukuyazi malunga nale ndlela uya kuphepha ukukhohliswa. Masiqalise.
Yonke imihla kuqhelekile ukufumana ababolekisi bomgunyathi kwi-Intanethi, ngoko ke kubaluleke kakhulu ukuba abantu babaqaphele. Kukho iinkalo ezahlukeneyo ekufuneka sinikele ingqalelo kuzo, esiya kuthi siyikhankanye kulo lonke eli nqaku.
Ungababona njani okanye ubachonge njani ababolekisi bomgunyathi kwi-intanethi?
Ngokufika kwe-Intanethi kunye nobuchwepheshe, iinkqubo ezinjengokukhangela umbolekisi zitshintshile. Kwiminyaka embalwa edlulileyo, ukuze usebenzise iinkonzo zomboleki, kufuneka uzikhangelele ngokwakho, kuba azilawulwa nayiphi na into. umthetho okanye umthetho, esi sizathu sokuba kuyingozi kangaka ukwenza isivumelwano kunye nabo, ekubeni ngokusisiseko bonke bathetha ngomlomo, akukho nto ixhasa umsebenzi abaza kuwenza.
Ngenxa yeso sizathu, ezi nkqubo zitshintshile ngoku, ngoku ukufumana ababolekisi kuya kuba lula, kodwa kwangaxeshanye kulula ukuwa ngenxa yobuqhophololo, ngenxa yesi sizathu, kufuneka ulumke kakhulu ngalo naluphi na uhlobo lwentengiselwano yemali onokuyenza. kwi-intanethi.
Obona buqhetseba baziwayo okanye ubuqhophololo lobo lwenziwa ngababolekisi bomgunyathi kwi-Intanethi, aba bantu bahlala bekubonisa amaphepha e-Intanethi okanye iiprofayili zenethiwekhi yoluntu ezihlala zibonakala zikholisa kakhulu, ngenjongo yokukubambezela kwaye oku kunokukhokelela ekubeni ubambe ongezantsi. iingxaki zoqoqosho kunye nokusebenzisa amagama amnandi kunokugcina imali yakho.
Ngoko ke kubaluleke kakhulu ukuba unokufunda ukuchonga kubo kwaye ngale ndlela unokukuphepha ukuwela kwezi meko, kuba into yokuqala omele uyiqwalasele kukuba, ukuba lo mntu okanye iqumrhu elityholwayo lenza isicelo semali ethile emiselweyo. kwangethuba, apho kuya kufuneka uvule zonke ii-alam zakho, ngalo mzuzu bayicelayo kwangaphambili ngaphandle kokukunika into ngembuyekezo ngokuhambelanayo.
Ukuba uwela kule nto kwaye uhambise imali, ngaphandle kokuba ube nesivumelwano sokubuyisela imali efanayo, uwela kwiwebhu yobuxoki kunye neengcinga eziza kudlala ukukukhathala, de ugqibe ekubeni uyishiye ngolo hlobo okanye uye umzekelo ophezulu, sele sele ukuba umbolekisi wobuxoki akayi kubuyisela imali enikezelweyo, kwaye uzuza ntoni umbolekisi kuloo nto? Ixesha ukwenzela ukuba ngale ndlela umdla ukhula ngakumbi nangakumbi kwaye ngokungabi nemithetho emiselweyo, ekugqibeleni kufuneka ubuyisele isixa esikhulu kakhulu kunento enokuthi ihanjiswe kuwe.
Imiba ebalulekileyo ukuze ukwazi ukubona ababolekisi bobuxoki kwi-intanethi
Enye inkalo omele uyiqaphele kukuhlalutya ngononophelo iinkcukacha kunye neemeko ukuba isivumelwano abasenze ngaphambili sinokuba nazo, kwaye uzama ukuzithelekisa nezivumelwano kunye namagatya asemthethweni asetyenziswa ngamaqumrhu asemthethweni enza iimali-mboleko okanye izicwangciso zenkxaso-mali ezinjalo. njengezo bhanki, ukuba uyaqaphela ukuba zonke izibonelelo ezinikezelwa ngulo mntu okanye umbutho zingaphezulu kwento enikezelwa liziko eliqhelekileyo, ingcamango yakho yokuqala kufuneka ibe nokukrokra ngokupheleleyo ngaba bantu.
Ekubeni kuyinto engahambelaniyo ukuba amaziko ahluke kwibhanki anezibonelelo ezintle kangaka, ukongeza, kubalulekile ukuba ufunde okanye uphande kancinci umntu okanye iqela labantu ababonelela ngetyala kwaye ngale ndlela, inokwazi ukuba ixhaswa ngummiselo othile, ukuba njengemibutho iqhuba oko kwaziwa ngokuba yi "Responsible loan" okanye ngeSpanish "Responsible Loans".
Siyazi ukuba kukho amaxesha athile apho amaziko okanye imibutho ezinikele ekuboneleleni ngemali-mboleko inokunika izibonelelo okanye uphuculo olunokubetha ngenjongo yokutsala abantu, oku kunokuba yinto eqhelekileyo. Ingxaki kuxa ezi zingaphezulu lee koko bekuya kunikwa ngokuqhelekileyo.
Enye indlela yokwazi imvelaphi yaba bantu kukuphanda umkhondo wabo kancinci, kuluncedo kakhulu ukwazi ukuba banazo iiwebhusayithi ezisemthethweni, iiprofayili zenethiwekhi yoluntu, iinombolo zomnxeba okanye ezinye iindlela zokunxibelelana, ngale ndlela unokuphonononga. kubo kwaye bayazi indlela yabo, bafumane ubungqina obuthile obuvela kubantu abaye bakwazi ukusebenza nabo ngaphambili, baqonde ukuba isebe labo lenkonzo yabathengi linjani ukuba banikela ingqalelo kubantu babo okanye bavele bangabahoyi ngokupheleleyo emva kokwenza utshintshiselwano lokuqala.
Ngale ndlela, uya kukwazi ukubona izaziso zabo ezisemthethweni kunye neemeko zabo ezichazwe ngokufanelekileyo, kwimarike yemali-mboleko kuqhelekile ukutyelela iiwebhusayithi zabo ngokuthe ngqo okanye babhenele kwizinto ezibizwa ngokuba zithelekisa, apho kwiimeko ezininzi zineefilitha. , ngale ndlela, kumthelekisi kuntsonkothile kakhulu ukuba ungafumana umkhohlisi, nangona kwangendlela enye kufuneka uhlale uphaphile.
Siyakumema ukuba uqhubeke ufunda malunga ne ixesha lobabalo lwemboleko, ngezihlandlo xa sisenza isicelo senkxaso-mali okanye isicwangciso sokuthenga ngetyala asinazo izixhobo eziyimfuneko zokwenza imbuyekezo efanayo, kungoko kufunwa imiqathango apho isixa-mali esihlawulweyo sehla okanye singahlawulwanga kuyimfuneko. , Ukuba ufuna ukwazi ngakumbi malunga nabo faka ikhonkco yangaphambili kwaye uya kuba nako ukufumana lonke ulwazi kulo mbandela. Ungayeki ukuyifunda.
Emva kokuba nalo lonke ulwazi malunga nendlela yokuqonda ngokufanelekileyo ababolekisi bobuxoki, kunokuba nomdla ukwazi apho ungaya khona ukuze wenze isicelo semali-mboleko ngokwemvelo.
Ungasifaka phi isicelo semali-mboleko?
Umba omnye ekufuneka ulumkele kukuba ngexesha ufaka isicelo semali-mboleko, kufuneka unike ingqwalasela xa icelwa phambi kwequmrhu elibolekisayo okanye izinto eziphilayo, umntu owenza isenzo kufuneka abe ngumntu osemthethweni, xa kwenzeka intengiselwano. iqhutywa ngumntu wendalo, oku kufuneka kuxhaswe yinkampani elawulayo. Ukuba akunjalo, sikucebisa ukuba ugweme ukubandakanyeka kulo naliphi na ishishini kunye nabo.
Ke ngoku emva kokwazi konke oku, sele sinolwazi oluncinci malunga nobungozi obubandakanyekayo ekwenzeni olu hlobo lokusebenza kunye nabantu okanye imibutho engaziwayo kuthi okanye esiyibone kuphela kwi-Intanethi, ngenxa yesi sizathu, ukuba usenomdla wokwenza isicelo semali mboleko, kufuneka uqinisekise ukuba ziinkampani ezisemthethweni okanye amaqumrhu ebhanki.
Kwimeko apho ungqiyame kwicala lokuqala, eyona nkalo ibalulekileyo ekufuneka uyithathele ingqalelo ekuqaleni kufuneka ibe kukuba ingaba yinto efanayo na njengoko besikhe sayikhankanya ngaphambili “iResponsible Lendig” okanye “iResponsible Loans”, kuba ngale ndlela sinokuthi siqiniseke. kunye neenqobo zokuziphatha, uxanduva kunye nokunyaniseka kumxhasi ngamnye, oku kubaluleke kakhulu kuba sithetha ngemisebenzi ebandakanya imali, kwaye into yokuqala ekufuneka uyive kukuzithemba ukuba ukwazi ukuyithwala. khupha nayiphi na intengiselwano.
Enye inqaku kukujonga ubunakho ngokwetekhnoloji ukuba iinkampani esithatha isigqibo sokuboleka imali zinokuba nazo, kuba kuye kwangqinwa ukuba zonke ezo nkampani zinxulumene nemiba efana nobukrelekrele bokwenziwa, azinikezeli kuphela i-avant engaphezulu. Iinkonzo ze-garde kodwa zinokunciphisa iingozi zobuqhetseba ukuya kuthi ga kwi-80%, ekubeni yonke into i-automated ngokupheleleyo kunye nezinto ezinomdla okanye nganye yeenkalo ezinokuthi zivunyelwene ngaphambili ziya kuzaliseka ngokuchanekileyo.
Iingcebiso
Ke ngoko, kucetyiswa kakhulu ukuba uthembele kula maqumrhu emboleko alandela imigaqo-nkqubo yetekhnoloji, ebenza babe nomdla ngakumbi kwiinkampani zeFintech. Ngale ndlela, awuyi kuqinisekisa kuphela ukuba yonke idatha yakho iya kuhlalutywa kwaye ibhaliswe ngokufanelekileyo, kodwa nokuba unokwenza iinkqubo ngendlela elula kwaye konke oku ngenxa yeenkqubo ezizenzekelayo, kwaye ekugqibeleni bayakuvumela ukuba wenze izicwangciso, ubuncinci kwimeko yethu, inkxaso-mali enokuthi ilungelelaniswe neemfuno zethu kunye namandla ethu.
Kwakhona, kunokuba kubalulekile ukuba ujonge imimiselo yabo okanye imiba yomthetho, ngale ndlela uya kuba nako ukwazi umsebenzi wabo kunye nombono wabo, ngoko unokuziva ukhuselekile ukubeka imali yakho ezandleni zaba bantu, ngenxa yesi sizathu, ningenzi mvumelwano ningayibonanga. Ungazisindisa inkathazo ukuba uyenzile, ungatsho ukuba asizange sikulumkise.
Ngayo yonke le nto, sele unolwazi oluyimfuneko ukuze ukwazi ukubona ngokukhawuleza ababolekisi bobuxoki kwi-Intanethi, musa ukuwela kwimidlalo ekhohlisayo, siyazi ukuba yonke imihla sinokufikelela kwizinto ezininzi ngenxa yokwandiswa kwe-Intanethi, okuyiyo. kubaluleke ngakumbi nangakumbi kubomi bethu, kodwa njengoko kuzisa iingenelo nako kunokuzisa ingozi, ngoko ke kufuneka silumke ukuze siphephe ukuwela ngenxa yobuqhophololo.
Siyathemba ukuba kulo lonke eli nqaku sikuncedile ukusombulula onke amathandabuzo akho, ukongeza ekukunikeni uluhlu lweengcebiso esinethemba lokuba ungazisebenzisa kwaye ukwazi ukubona nakuphi na ukutenxa kwinethiwekhi. Nangona kunjalo, siyakushiya. ukuya Emva koko le vidiyo ilandelayo enokukunceda ukuba wazi ulwazi oluthe kratya malunga nesi sihloko, ngenxa yeso sizathu siyakumema ukuba uthathe imizuzu embalwa kwaye unokuba nomfanekiso ngqondweni. Ungayeki ukuyibukela.