Kuya kusiba yinto eqhelekileyo ukuthenga kwaye, endaweni yokuhlawula yonke into ngelo xesha, yahlula iintlawulo, okanye uhlawule kwiintsuku ezimbalwa kamva. Ngale nto, kukho iindlela ezininzi onokukhetha kuzo kodwa enye yazo usenokuba uyibonile kwiivenkile ezikwi-Intanethi kwaye awuyazi ukuba ilungile okanye hayi. Ngaba uyayazi indlela endisebenza ngayo? Kwaye yintoni?
Ukuba awuzange uve ngayo kodwa uyibonile kwi-eCommerce ethile, ngoko siza kukunceda uqonde ukuba yintoni, yintoni imvelaphi yayo kunye nendlela esebenza ngayo. Ke unokwenza isigqibo esifanelekileyo malunga nokuba uyisebenzisela ishishini lakho okanye kwinqanaba lomntu.
Yintoni Ukuhlehlisa
Into yokuqala esiza kuyicacisa ukuba yintoni i-Aplazame, kuba sisixhobo esingekaziwa ngokubanzi okwangoku, kodwa inokuba nomdla kakhulu kwi-eCommerce okanye nakubantu abafuna "ityala" okanye imali yokuthenga kwabo.
Ukuhlehlisa Mna ngenene sisixhobo ukuba Isetyenziselwa ukuhlehlisa iintlawulo ze-intanethi. Ukwenza oku, kunika indlela yokuhlawula eguquguqukayo. Ibonakaliswa ngokungabi namaphepha, eneneni, kuphela ngegama lakho, i-imeyile kunye ne-DNI yaseSpain okanye i-NIE (eyokugqibela isebenza kuphela kwiikhredithi eziphezulu) unako. cela ikhredithi ukuya kuthi ga kwi-2500 euros. Basebenzisa le datha ukuze baqinisekise ukuba umntu ocela ukuba ikhredithi akakho kuyo nayiphi na "uluhlu olumnyama" okanye ukuba uneengxaki kwiibhanki (into eyenza iqonga lingathembi ukuba baya kubuyisela imali).
Ayisiyonto eyenziwe entsha kule minyaka, kodwa Isebenza ukususela ngo-2014 xa uFernando Cabello-Astolfi, inkokeli yesi sisombululo senkxaso-mali, wayidala. Kodwa, ukususela ngo-2018, xa ifunyenwe liqela leBhanki yeWiZink, ibe yinkxaso-mali kuphela exhaswa yibhanki.
Ngoko ke, sinokuthi siSpanish, kwaye "inebhanki emva kwayo".
Iimpawu zeAplazame
Zombini i-Aplazame iyasebenza kwaye izibonelelo zayo zibalasele kwezo zikhuphisana nazo. Kwisandle esinye, Ndihlehlise "ukubheja ngokholo oluhle". Ngamanye amazwi, ithatha umngcipheko wokungahlawulwa kunye nobuqhetseba xa abantu bengayibuyiseli imali ebolekiwe kubo.
Kwelinye icala, kukho a imali ebhetyebhetye kakhulu, ekubeni ikuvumela ukuba ubuyisele imali kwiintlawulo ukuya kwiinyanga ezingama-36 (oko kukuthi iminyaka emi-3) kwaye unokukhetha kude kube ngumhla wenyanga ofuna ukwenza ngayo loo ntlawulo isebenze.
Ikwanjalo I-API kunye neemodyuli zeqonga leeCommerce eziphambili ezifana PrestaShop, WooCommerce, Magento okanye Shopify.
Ngokucacileyo, asiyiyo yonke into elungileyo. Sithetha ngesabelo senzuzo kwiintengiso. Kwaye yiloo nto, Ukuyisebenzisa, kukho umrhumo ophakathi kwe-0,5 kunye ne-1,5%. ngokwemali iyonke. Konke oku ukongeza kwinzala esetyenziswayo, edla ngokuba yi-24,5 APR.
Indlela esebenza ngayo Ndibeke ecaleni
Ukwazi ukuba isebenza njani i-Aplazame kubandakanya ukumisela ukuba ngaba uza kuba ngumntu ocela inkonzo yenkxaso-mali okanye i-eCommerce. Kwimeko nganye kuzo yahlukile indlela esebenza ngayo ngoko siza kubona zombini iimeko.
Isebenza njani i-Aplazame kumntu ngamnye
Siqala ngabantu ngabanye. Kubo, ukuba uya kwiphepha elisemthethweni le-Aplazame, uya kubona ukuba enye yeenkonzo "Thenga ngoku, hlawula kamva".
Kule meko ikunika ithuba lokuba ube nekhredithi encinci ukuya kuthi ga kwi-2500 ye-euro ngokuthenga kwakho kwaye ngaloo ndlela ukwazi ukubuyisela imali ngeendlela ezahlukeneyo.
Ngakolunye uhlangothi, intlawulo yeentsuku ezili-15, oko kukuthi, isixa sento oyithengayo ihlawuliswa kuwe emva kweentsuku ezili-15 emva kokuthenga (kodwa unokuyonwabela ukususela ngosuku lokuqala). Bendingayi kuba namdla.
Kwelinye icala, intlawulo ngezavenge. Kule meko, a ubuncinane bentlawulo yokuqala ye-10,72 euro kodwa unokugqiba ukuba zingaphi izavenge oza kuyenza. Olu khetho lokugqibela alunanzala ukuba ihlawulwe ngeentlawulo ezine. Ukuba ezi ntlawulo zigqithisiwe, kuya kubizwa inzala.
Ngokwenyani, abantu bayayihlawulela yonke imveliso abayithengayo. Kodwa i-Aplazame iyenzela wena, indlela yokuqhubela phambili imali. Iba ngumntu ke lowo ekufuneka ahlawule ityala ngeqonga.
Ndimise kwi-eCommerce
Kwimeko ye-Aplazame ye-eCommerce, yintoni le nkqubo yenkxaso-mali inikezela ngayo ukukwazi ukubeka esi sixhobo njengendlela yokuhlawula kubathengi. Ngamanye amazwi, ukongeza ekunikezeni intlawulo ngekhadi, ukudluliselwa kwebhanki, imali ekuhanjisweni, i-Paypal ... kukwakhona ukhetho lokuDefer me, ukwenzela ukuba bahlawule kwiintsuku ze-15 okanye ngezavenge.
Inyaniso yokuba awuceli naluphi na uhlobo lwamaphepha okanye i-payroll yokwamkela intlawulo kwaye uyazi ukuba ivunyiwe okanye ayinikwanga yenza ukuba ikhawuleze kakhulu. Unokukhetha intlawulo ukuya kuthi ga kwizavenge zenyanga ezingama-36. Ngokunokwenzeka kokukhetha inyanga yokuhlawula kunye nokulawula ukufumaneka kwemali, oko kukuthi, ukuba unako ukuthenga okanye awukwazi ukuthenga.
Kuya kufuneka uyazi ukuba nguAplazame ohlawulela imveliso. Ndiyathetha umthengisi oza kuhlawula ngu-Aplazame ngelixa umthengi aqala naye "ubudlelwane" kunye neqonga. kuba nguye omelwe kukuhlawula.
Ngamanye amazwi, njengomnini we-eCommerce yakho uya kuhlala ufumana imali yakho. Kwaye sele ikwiqonga le-Aplazame eliqondwa kunye nomxhasi (ngaloo ndlela uthatha umngcipheko waloo mali mboleko).
Ngokutsho kwedatha ephathwayo yiplatifti, bathetha oko Ukusebenzisa le nkqubo yentlawulo kwandisa izinga lokuguqulwa nge-20%. Ukongezelela, ixabiso eliqhelekileyo lomyalelo liphindaphindwe kwaye kukho ngaphezu kwe-40% yokuthenga kwakhona. Oko kukuthi, babuyela ukuthenga evenkileni.
Inyaniso kukuba zininzi iivenkile zeendidi ezahlukeneyo esele ziyisebenzisa ezifana nezacholo, ubuhle, imidlalo, imfundo, ifashoni, ifenitshala, uhambo… Amanye amagama aziwayo ngala: Suárez Jewelry, Sánchez Jewelry, La Oca, Dormia, General Optica, Yokono…
Ngoku ukuba ufunde indlela i-Aplazame esebenza ngayo kunye nento onokuyilindela kolu hlobo lwenkxaso-mali, ukuba yile nto ubuyikhangela, unokubona izimvo ukuba esi sixhobo kufuneka senze isigqibo sokugqibela. Ewe, qaphela ukuba kuya kufuneka ubuyisele imali kwaye akulunganga ukuboleka kakhulu. Ngaba ukhe wayisebenzisa?