Kuya ngokuya kwanda ukuthenga futhi, esikhundleni sokukhokha yonke into ngaleso sikhathi, hlukanisa izinkokhelo, noma ukhokhe ezinsukwini ezimbalwa kamuva. Kulokhu, kunezinketho ezimbalwa kodwa eyodwa yazo okungenzeka ukuthi uyibonile ezitolo eziku-inthanethi futhi awazi ukuthi yinhle noma cha. Uyazi ukuthi ukungihlehlisa kusebenza kanjani? Futhi kuyini?
Uma ungakaze uzwe ngakho kodwa ukubonile kwenye i-eCommerce, khona-ke sizokusiza ukuthi uqonde ukuthi iyini, ukuthi iyini imvelaphi yayo nokuthi isebenza kanjani. Ngakho ungenza isinqumo esifanele mayelana nokuthi uzoyisebenzisela ibhizinisi lakho noma ezingeni lomuntu siqu.
Kuyini Ukuhlehlisa
Into yokuqala esizoyicacisa ukuthi iyini i-Aplazame, njengoba iyithuluzi elingakaziwa kabanzi okwamanje, kodwa ingathakazelisa kakhulu i-eCommerce noma nakubantu abadinga “isikweletu” noma abaxhase ngemali ukuthenga kwabo.
Ukuhlehlisa Mina empeleni iyithuluzi ukuthi Isetshenziselwa ukuhlehlisa izinkokhelo ze-inthanethi. Ukwenza lokhu, kunikeza indlela yokukhokha eguquguqukayo. Ibonakala ngokungabi nawo amaphepha, empeleni, ngegama lakho kuphela, i-imeyili kanye ne-DNI yeSpanishi noma i-NIE (okugcina kusebenza kuphela kumakhredithi aphezulu) ongawathola. cela ikhredithi efika ku-2500 euros. Basebenzisa le datha ukuze baqinisekise ukuthi umuntu ocela leyo khredithi akekho “kuhlu olumnyama” noma ukuthi unezinkinga namabhange (into eyenza inkundla ingathembi ukuthi izoyibuyisa imali).
Akuyona into edalwe entsha kule minyaka, kodwa Iqale ukusebenza kusukela ngo-2014 lapho uFernando Cabello-Astolfi, umholi walesi sixazululo sezezimali, eyidala. Kodwa, kusukela ngo-2018, lapho itholwa yiqembu le-WiZink Bank, isibe ukuphela kwezimali ezisekelwa ibhange.
Ngakho-ke, singasho ukuthi iSpanishi, nokuthi "inebhange ngemuva kwayo".
Izici ze-Aplazame
Kokubili i-Aplazame iyasebenza futhi izinzuzo zayo zigqama kulabo abaqhudelana nabo. Ngakolunye uhlangothi, Ngihlehlise «ukubheja ngokwethembeka». Ngamanye amazwi, ithatha ingozi yokungakhokhi kanye nokukhwabanisa uma kwenzeka abantu bengayibuyi imali abayibolekiwe.
Ngakolunye uhlangothi, kukhona a ezezimali nezimo kakhulu, njengoba ikuvumela ukuthi ubuyisele imali ngezinkokhelo ezifika ezinyangeni ezingu-36 (lokho iminyaka emi-3) futhi ungakhetha kuze kube usuku lwenyanga ofuna ukwenza ngalo leyo nkokhelo isebenze.
Iphinde ibe nayo I-API namamojula ezinkundla ezinkulu ze-eCommerce njengePrestaShop, WooCommerce, Magento noma Shopify.
Ngokusobala, akuyona yonke into enhle. Sikhuluma ngesabelo senzuzo ekuthengisweni. Futhi yilokho, ngokuyisebenzisa, kunemali ephakathi kuka-0,5 no-1,5% ngokwesamba semali. Konke lokhu ngaphezu kwenzalo efakiwe, ngokuvamile engu-24,5 APR.
Isebenza kanjani Ngihlehlise
Ukwazi ukuthi i-Aplazame isebenza kanjani kuhlanganisa nokunquma ukuthi uzoba umuntu ocela isevisi yayo yezimali noma i-eCommerce. Kuyo ngayinye yehlukile indlela esebenza ngayo ngakho sizobona amacala womabili.
I-Aplazame isebenza kanjani kubantu ngabanye
Siqala ngabantu ngabanye. Kubo, uma uya ekhasini elisemthethweni le-Aplazame, uzobona ukuthi enye yezinsizakalo ithi «Thenga manje, ukhokhe kamuva».
Kulokhu ikunikeza ukuthi kungenzeka ube nekhredithi encane efika ku-2500 euros ngokuthenga kwakho futhi ngaleyo ndlela ukwazi ukubuyisela imali ngokwemibandela ehlukene.
Ngakolunye uhlangothi, inkokhelo yezinsuku ezingu-15, okungukuthi, inani lalokho okuthengayo likhokhiswa kuwe izinsuku ezingu-15 ngemva kokuyithenga (kodwa ungayijabulela kusukela ngosuku lokuqala). bengingeke ngibe nentshisekelo.
Ngakolunye uhlangothi, ukukhokha kancane kancane. Kulokhu, a ubuncane benkokhelo yokuqala yama-euro ayi-10,72 kodwa unganquma ngezitolimende ezingaki ozokwenza. Le nketho yokugcina ayinayo inzalo uma ikhokhwa ngezinkokhelo ezine. Uma lezi zinkokhelo zeqiwe, kuzokhokhiswa inzalo.
Empeleni, abantu bayawukhokhela wonke umkhiqizo abawuthengayo. Kodwa i-Aplazame ikwenzela wena, indlela yokuthuthukisa imali. Bese kuba ngumuntu okufanele akhokhe isikweletu ngomsamo.
Ngihlehlisele i-eCommerce
Endabeni ye-Aplazame ye-eCommerce, okunikezwa yilolu hlelo lwezimali ukukwazi ukubeka leli thuluzi njengendlela yokukhokha yabathengi. Ngamanye amazwi, ngaphezu kokunikeza inkokhelo ngekhadi, ukudluliswa kwebhange, ukheshi ekulethweni, i-Paypal... kukhona futhi inketho yokungihlehlisa, ukuze bakwazi ukukhokha zingakapheli izinsuku eziyi-15 noma ngezitolimende.
Iqiniso lokuthi awuceli noma yiluphi uhlobo lwamaphepha noma i-payroll ukuze wamukele inkokhelo futhi wazi ukuthi inikeziwe noma cha ikwenza kusheshe kakhulu. Ungakhetha inkokhelo ngezitolimende ezingafika kwezingu-36 zanyanga zonke. Ngokunokwenzeka kokukhetha inyanga yokukhokha nokulawula ukutholakala kwemali, okungukuthi, uma ungakwazi ukuthenga noma cha.
Kufanele futhi ukwazi lokho ngu-Aplazame okhokhela umkhiqizo. Ngisho, umdayisi ozokhokha u-Aplazame kuyilapho umthengi aqala naye "ubudlelwane" emsamo. ngoba nguye okumele akhokhe.
Ngamanye amazwi, njengomnikazi we-eCommerce yakho uyohlala uthola imali yakho. Futhi sekuyinkundla ye-Aplazame eqondwa nekhasimende (ngaleyo ndlela kubhekwa ubungozi baleyo mali mboleko).
Ngokusho kwedatha ephathwa ngumsamo, basho lokho Ukusebenzisa lolu hlelo lokukhokha kunyusa izinga lokuguqulwa ngo-20%. Ngaphezu kwalokho, inani elimaphakathi le-oda liyaphindaphindeka futhi kukhona ukuphinda okuthengile okungaphezu kuka-40%. Okusho ukuthi, babuya bayothenga esitolo.
Iqiniso liwukuthi baningi izitolo zezigaba ezahlukene ezivele ziyisebenzisa njengobucwebe, ubuhle, ezemidlalo, imfundo, imfashini, ifenisha, uhambo… Amanye amagama aziwayo yilawa: Ubucwebe be-Suárez, ubucwebe be-Sánchez, i-La Oca, i-Dormia, i-General Optica, i-Yokono…
Manje njengoba usufundile ukuthi i-Aplazame isebenza kanjani nokuthi yini ongayilindela kulolu hlobo lwezimali, uma kuyilokho obukufuna, ungabona imibono leli thuluzi okufanele lithathe isinqumo sokugcina. Yebo, qaphela ukuthi kuzodingeka ubuyisele imali futhi akukuhle ukuboleka kakhulu. Wake wayisebenzisa?