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Sawubona, bafundi abathandekayo be-Ideas for Life! Namuhla sizokutshela ngamagama alula ukuthi ukubuyiselwa kwemali kuyini, kusebenza kanjani nokuthi uyisebenzisa kanjani, futhi sinikeze isilinganiso sezinsizakalo ezibuyisa imali namasayithi.

Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Abaningi bawubheka lo mqondo "Ukubuyisa imali" kuphela ngokuya ngamakhadi asebhange. Kodwa-ke, ungabuyisa enye yemali yokuthenga usebenzisa inani elikhulu lamanye amathuluzi.

Ngemuva kokuhlola i-athikili eyethulwe kusuka ekuqaleni kuze kube sekugcineni, uzofunda:

Kuyini ukubuyiselwa kwemali nokuthi uyisebenzisa kanjani insizakalo yokubuyisa imali;
Kuyini ukubuyiselwa kwemali ekhadini lasebhange;
Yiziphi izinsizakalo zokubuyisa imali ezihamba phambili.

Ekupheleni kwendatshana, ngokwesiko siphendula imibuzo ethandwa kakhulu kusuka kubasebenzisi.

Ngaphandle kokungabaza, ukubuyiselwa kwemali emuva kwemali uhlelo olulula kakhulu olukuvumela ukuthi wonge imali lapho uthenga. Uma ufuna ukwazi ukuthi ungayisebenzisa kanjani, ungachithi isikhathi - qala ukufunda manje!

Funda ngokuthi kuyini ukubuyisa imali (kufaka phakathi ikhadi lasebhange) nokuthi ungayisebenzisa kanjani, nokuthi ungayikhetha kanjani insizakalo yokubuyisa imali enhle kakhulu futhi enenzuzo enkulu - funda le nkinga

1. Yini iCash Back nokuthi isebenza kanjani - ukubuka konke komqondo ngamagama alula 💰

Ezweni lanamuhla, impela wonke umuntu uthenga njalo. Kodwa-ke, abaningi abawasebenzisi amathuba ahlinzekiwe. Yingakho abathengi abaningi bathenga imikhiqizo eminingi ngenani eliphakeme kakhulu kunalokho abakwazi ukukuthola... Besebenzisa izikimu zokukhokha ezingahambi kahle neziphelelwe yisikhathi, bakhokha imali ethe xaxa njalo.

Ezimweni eziningi, kunesizathu esisodwa kuphela sokusebenzisa ngokweqile - umkhuba... Ukukusiza ukuthi ususe imikhuba engathandeki nebizayo, sinqume ukunikela ngokushicilelwa kwanamuhla kusihloko ukubuyisa imali.

Ungakhohlwa ukuthi ukonga nokwenza kahle izindleko kukuvumela ukuthi wonge imali eningi isiyonke ngonyaka. Ngaphezu kwalokho, ulwazi lwezezimali lunikeza ithuba lokufeza amaphupho amaningi ahlobene nezindleko zemali.

1.1. Kusho ukuthini ukubuyiselwa kwemali ekuthengeni

Ngakho-ke, kusho ukuthini ukubuyisa imali?

Kuhunyushwe kusuka esiNgisini kuye kusiRashiyaimali emuva ukubuyiselwa kwemali... Ukuhumusha ngokoqobo kukhombisa kahle ingqikithi yomqondo wezomnotho. Ukusebenzisa ukubuyiselwa kwemali kukuvumela ukuthi ubuyise ingxenye yemali esetshenziselwe ukukhokhela izimpahla nezinsizakalo.

Ezimweni eziningi usayizi wokubuyisa imali kuyahlukahluka ebangeni kusuka ku-0.5% kuye ku-5%... Ezinye izikhungo ezibolekisayo zinikeza ukubuyiselwa kwemali okuphezulu, kepha lokhu akuvamile kakhulu. Inani lembuyiselo alinqunywa kuphela ngophana lwensizakalo ekhokhayo, kepha futhi nangokwemigomo yesivumelwano esithile.

Yini insizakalo yokubuyisa imali?

Namuhla, ziya ngokuya zanda amasayithi akhethekileeqondisa kabusha amakhasimende ukugcina izingosi. Yilezi zinsizakalo ezidlulisela ukubuyiselwa kwemali kumakhasimende. Ngaphezu kokubuyiselwa kwemali, banikela ngezinsizakalo ezingeziwe - ukuqhathanisa amanani wabathengisi abehlukene, sesha umkhiqizo odingekayo nabanye.

Ezinye izinsizakalo ziyasebenzisana nezitolo ezingamakhulu amaningana ezisemhlabeni jikelele. Ngasikhathi sinye, ukubuyiselwa kwemali kozakwethu ngamunye kuhlukile. Bathembele esivumelwaneni esiphakathi kwesitolo, isevisi, namakhasimende aso.

Kubalulekile ukuqonda ukuthi igama elithi cashback lisetshenziswa emikhakheni ehlukahlukene: ukubhenka, ukuhweba nge-Intanethi, ukugembula... Ingqikithi yayo ilele ekuhlinzekweni kwezinhlelo ezahlukahlukene zamabhonasi ngenhloso yokuheha amakhasimende amasha nokwandisa izinga lokuthembeka.

1.2. Isebenza kanjani imali emuva - isebenza kanjani imali emuva

Uhlelo lokubuyiselwa kwemali lokuthenga luhleliwe ukuze bonke ababambiqhaza entengweni efanele bahlale onqobayo.

Insizakalo yokubuyisa imali iheha amakhasimende, ngoba lokhu kuzitolo kumdlulisela iphesenti lokuthengiselana ngakunye. Isevisi ihlukanisa inzuzo etholakele ngu 2 izingxenye: eyodwa iyazithathela yona okwesibili kubala iklayenti.

Okuwukuphela kwakhe khipha (-) isikimu sokuqalisa ukubuyisa imali ukuthi ukubuyiselwa kwemali akunakwenziwa ngokushesha... Kwezinye izimo, ikhasimende lithola imali emuva uma selikhohliwe ngayo.

Ngokwesiko, izinsizakalo zikhombisa isikhathi esilinganisiwe sokudluliswa kwemali ngokushesha. Ezimweni eziningi, ukubuyiselwa kwemali kuyenziwa kungakapheli nenyangakancane kakhulu ezinsukwini ezimbalwa.

Izinsizakalo zizama ukusetha ubude besikhathi esanele ukuze umthengi abe nesikhathi sokuhambisa izimpahla uma kunesidingo.

Inqubo yokubuyisa imali ichazwa igxathu negxathu ngezansi:

Umthengi ulandela isixhumanisi esinikezwe yisevisi yokubuyisa imali kwiwebhusayithi yesitolo esiku-inthanethi. Lapha ukhetha umkhiqizo noma insizakalo edingekayo. Ngemuva kwalokho, umthengi ukhokha izindleko zabo;
Umthengisi udlulisela ingxenye yezimali ezitholwe ku-akhawunti yesevisi yokubuyisa imali. Kuvela ukuthi izitolo zikhokhela izinsizakalo zezinkampani ngokuheha amakhasimende kuzo. Kubathengisi abaningi, lokhu kuvela ukuthi kunenzuzo enkulu futhi kusebenza kakhulu kunokuzikhangisa ngokuzimela izimpahla nezinsizakalo, kanye nemikhankaso yokukhangisa;
Insizakalo yokubuyisa imali idlulisela ingxenye yezimali ezitholwe kumthengi. Imvamisa, iklayenti lithola inani elimalunga ne- 5% wemali esetshenzisiwe.

Eqinisweni, kukhona umehluko omncane phakathi kwezinsizakalo zokubuyisa imali. Noma ngubani angathola kalula ukuthi angakusebenzisa kanjani lokhu noma lokho kusebenza.

Kufanele kubhekwe, ukuthi izinsizakusebenza eziningi ze-Intanethi zidinga ukuthi uqoqele inani elithile lokubuyiselwa imali ngaphambi kokukhipha imali. Kodwa-ke, akufanele ukwesabe lokhu, ngoba izinsiza eziningi zibeka umkhawulo omncane ezingeni Ama-ruble ayi-10-20.

2. Kuyini ukubuyiselwa kwemali ekhadini lasebhange? 💳

Emkhakheni webhange, ukubuyisa imali ukubuyisa ingxenye yezimali ezichithwe kusetshenziswa ikhadi. Ngokuya ngesisekelo somqondo, kuvame ukubizwa ngokuthi yinye yezinhlobo Uhlelo lwebhonasi.

Ukubuyiselwa emuva kwemali kusetshenziselwa ikakhulukazi ukukhuthaza ukusetshenziswa okusebenzayo kwamakhadi asebhange, njengenye indlela yokwenza imali.

Imvamisa, enye yezinketho ezi-2 zokubuyisa ingxenye yezimali ezichithwe ekuthengeni iyasetshenziswa:

ukubuyiselwa kwemali kubuyiselwa ngokuphelele kukho konke ukuthenga;
ungathola ukubuyiselwa imali kuphela kusuka ezindaweni zokuhlala nabalingani bebhange.

Isici esiyinhloko sokubuyiselwa imali ekhadini lasebhange ukuthi akusebenzi njengephromoshini yesaphulelo esisodwa. Umnikazi wekhadi kuzofanele kuqala akhokhe ama-akhawunti nomthengisi wezimpahla noma amasevisi.

Kuphela emva kwesikhathi esithile sidlulile, inani okwakuvunyelwane ngalo ngaphambilini noma ingxenye yezindleko izobuyiselwa kuye. Ngemuva kokuthola ukubuyiselwa kwemali, umninikhadi unelungelo lokusebenzisa imali ebuyisiwe nomaphi lapho ethanda khona.

Kubalulekile ukugcina engqondweni ukuthi inkomba enkulu yokuhlinzekwa ngokugcwele kwezinsizakalo yibhange ukubuya kwemali yangempela... Uma ufisa, izimali ezitholakele zingakhokhwa futhi.

Ngamanye amagama, asikwazi ukukhuluma ngokusetshenziswa kwemali ebuyiswayo lapho kubalwa amaphuzuezisetshenziselwa kamuva izindleko kuphela ngaphakathi kwezigaba ezithile zokuthenga nangemigomo evunyelwene ngaphambilini. Imbuyiselo enjalo ingabhekwa kuphela ukukhushulwa kwesaphulelo.

Ngubani ohlomulayo ngokusebenzisa uhlelo lweCash Back

3. Zuza ekubuyiselweni kwemali ohlangothini ngalunye lomsebenzi 📑

Ochwepheshe bezentengiso bathi lokho kunzima impela ukwenza umthengi wesimanje onolwazi ukuba athenge ngokuzenzekelayo... Lawa maklayenti imvamisa anesikimu sawo sokwenza ukuthenga ngenani eliphakeme.

Bakhetha umkhiqizo noma insizakalo edingekayo, bafunde okunikezwa izitolo namafemu ahlukahlukene. Abathengi abanolwazi bavame ukusebenzisa izinsizakalo zokuqhathanisa.

Muva nje, ukuvakasha izinsiza zokubuyisa imali... Kwanele ukwenza inqubo yokubhalisa kokukodwa noma ngaphezulu kwalezi zinsizakalo ukuze uthole ukubuyiselwa kwemali kwengxenye yemali esetshenziselwe ukuthenga izimpahla nezinsizakalo. Izinzuzo zomsebenzi onjalo zisobala kuzo zonke izinhlaka entengiselweni.

1) Izinzuzo zezinkampani zokuhweba

Ukuheha amakhasimende, abathengisi kufanele basebenzise izizumbulu zemali. Kumafemu okuhweba, ukumaketha kuvame ukuba yinto esemqoka ohlangothini lwezindleko zesabelomali. Lokhu kuchazwa kalula: ngisho nomkhiqizo omuhle kakhulu udinga ukuthengiswa... Ngasikhathi sinye, umncintiswano emakethe usezingeni eliphakeme kakhulu.

Ezimweni zanamuhla, lapho ukuthengisa kunomthelela omkhulu inkinga, futhi ukukhiqiza ngokweqileNoma iyiphi indlela yokuheha amakhasimende kufanele isetshenziswe ngokusebenza kahle okuphezulu.

Kungakho izitolo eziningi zithatha isinqumo sokubamba iqhaza ezinhlelweni zokubuyisa imali. Babelana ngenzuzo ethile, noma kunjalo ↑ ukukhula kwemali engenayo ngenxa yokwenyuka kokuthengiswa ↑ ikuvumela ukuthi ukhokhele lezi zindleko ezincane.

2) Izinzuzo zensizakalo yokubuyisa imali

Izinsizakalo zokubuyisa imali zenza inzuzo ngokuheha amakhasimende. Banikeza abathengi abangaba khona ukuqhathanisa inani elikhulu lezinkampani zokuhweba.

Iskimu sokusebenza kwensiza enjalo silula:

Ngemuva kokuqinisekisa ukuthenga okwenziwe ngokushintsha insizakalo yokubuyisa imali uye kuwebhusayithi yesitolo, umthengisi udlulisela ingxenye yenzuzo kulowo mthombo;
Amaphesenti okuvunyelwane ngawo ngaphambili wenkonzo yokubuyisa imali ibuyela kumthengi. Izitolo ezahlukahlukene zingasetha izikhathi ezahlukahlukene zokubuyiselwa imali: ezimweni eziningi, kusuka ku- 3 ngaphambi 90 izinsuku.

Ngale ndlela, Izinsizakalo zokubuyisa imali zihlinzeka ngezinsizakalo zokulamula ngokukhangisa nokukhuthaza izimpahla. Ngenxa yalokhu, abathengisi ngokwabo akudingeki basebenzise imali kwimikhankaso yokukhangisa. Kukhululwa inani elikhulu ngokwanele lezinsizakusebenza ukwenza ngcono izinga lenkonzo, kanye nekhwalithi yezimpahla nezinsizakalo ezithengisiwe.

3) Ukulondolozwa kwabathengi

Abantu abaningi babiza umthengi ngokuthi umhlanganyeli oyinhloko ekuthengisaneni ngensizakalo yokubuyisa imali. Ngaphandle kwayo, abanye ababambiqhaza bebengeke bakwazi ukusebenzisa imigomo eyisisekelo yalezi zinsiza.

Amakhasimende abuyisa imali athola imali ngokuthenga. Inzuzo enkulu yokubamba iqhaza ezinhlelweni ezinjalo ukuthi umuntu amaphuzu namabhonasi akufakwanga okungenzeka kungabi wusizo kuye.
Esikhundleni salokho, yena khokha imali engakhishelwa ekhadini lasebhange, esikhwameni se-elektroniki noma ocingweni. Ngemuva kwalokho, umthengi unelungelo lokusebenzisa lezi zimali kuphela ngokuthanda kwakhe.

Izibalo ziqinisekisa ukuthi inani labathengi abasebenzisa izinsizakalo zokubuyisa imali likhula njalo. Eminyakeni embalwa eyedlule, lolu hlobo lomnotho luyekile ukuba ngukuzijabulisa nje, lube yisidingo sangempela.

Ezinye izinzuzo zabathengi zifaka:

Akukho ukunyuka kwentengo. Izindleko zezimpahla zihlala ezingeni elifanayo nalapho uvakashela umthengisi ngqo;
Ukwenza kube lula ukusetshenziswa kwezinsizakalo kanye nokuvikeleka. Ukuze ubhalise, ngeke usachitha imali 5 imizuzu. Amakhasimende anikezwa izinketho eziningana zokuhoxisa izimali ezitholiwe;
Izinsiza ezahlukahlukene zokubuyisa imali. Kukhona izinga eliphakeme lokuncintisana phakathi kwalezi zinsiza. Lokhu kuvumela abathengi ukuthi bazikhethele inketho engcono kakhulu, isib insizakalo ebambisana nezitolo zakwamanye amazwe;
Ezimweni eziningi, usayizi obuyisa imali omkhulu usethwe ngaphambili, noma kunjalo ezinye izinsizakalo zinikeza ithuba lokukhulisa imali engenayo etholakele ↑. Kwalokhu, isib, ungasebenzisa leli thuba ukuheha ukuhanjiswa.

Ungayisebenzisa kanjani futhi uyibuyisele imali online - umhlahlandlela wabaqalayo

4. Ungayisebenzisa kanjani imali ebuyiswayo - izigaba eziyisithupha zokubuyisa imali kwi-Intanethi 📝

Izinzuzo zokusebenzisa imali emuva ziyabonakala. Kodwa-ke, akuwona wonke umuntu owazi ukuthi angazithola kanjani izinzuzo ngokufanele futhi ngokushesha. Okungezansi kungasiza incazelo yesinyathelo ngesinyathelo yenqubo yokuthola ukubuyiselwa kwemali.

Isigaba 1. Ukukhethwa kwensiza nokubhaliswa

Zingaphezu kweshumi izinsizakalo ezinkulu zokubuyisa imali ezikhona ezisetshenziswa abaseRussia. Isisetshenziswa ngasinye sibambisana nenani elikhulu lezitolo eziku-inthanethi, ezimweni eziningi abathengisi abangamakhulu amaningana bangabalingani bensizakalo.

Noma kunjalo, le ndawo ezweni lethu ayithuthukisiwe ngokuphelele. Izinsizakalo zokubuyisa imali zangaphandle zinikeza amakhasimende ukufinyelela kumashumi ezinkulungwane zabathengisi abatholakala emhlabeni wonke.

Ezimweni eziningi, izinsizakalo zokubuyiselwa imali zisetshenziselwa ukuthenga izingubo nezicathulo (cishe 35% konke ukutholwa), izinto zasendlini (cishe 20%), futhi izimonyo, imikhiqizo ephrintiwe, ukudla.

Kubalulekile ukuqaphela ngangokunokwenzeka lapho ukhetha insizakalo yokubuyisa imali. Kulokhu, umuntu kufanele angabheki usayizi wemali enikeziwe kuphela, kepha futhi nedumela lomthombo, kanye nokubuyekezwa kwamakhasimende wangempela.

Ngemuva kokukhetha insizakalo yokubuyisa imali, kufanele usebenzise inqubo ukubhaliswa... Ezimweni eziningi, lokhu kudinga kuphela ikheli le-imeyili.

Isigaba 2. Khubaza ukuvimbela izikhangiso

Abasebenzisi abaningi be-Intanethi basebenzisa inqubo yokusebenza kukhompyutha izinsizakalo ezikhethekile ezikuvumela ukuthi uvimbe izikhangiso... Ukuze usebenzise izinsiza zokubuyisa imali, kufanele uzikhubaze.

Uzodinga futhi ukuyeka ukusebenza nezinye izandiso zesiphequluli se-Intanethi. Zonke izenzo ezidingeka kuwe zizochazwa kusevisi yokubuyisa imali. Ezimweni eziningi, zibekwa endaweni evelele kakhulu ekhasini lasekhaya lesiza.

Ungahle udinge sula amakhukhi esipheqululini se-inthanethi... Lokhu kuzodingeka ukuze umthengisi aqonde ukuthi iyiphi insizakalo okufanele iklonyeliswe ngeklayenti elithile. Uma lokhu kungenziwanga, imali ebuyiswayo ingase ingafakwa ohlwini. Ngaphezu kwalokho, kucishe kuqinisekisiwe ukuthi kungavulwa.

Isigaba 3. Ukugunyazwa ku-akhawunti yomuntu siqu nokudlulela kungosi yesitolo

Enye yezinketho eziningi ingasetshenziselwa ukugunyazwa:

ngena ngemvume nge-password;
ukuxhumana nomphakathi - Ngokuxhumana no, Twitter nabanye;
ama-akhawunti ku- imeyili noma Google.

Lapho ukugunyazwa sekuqediwe, kusala kuya kuwebhusayithi yesitolo bese ukhetha umkhiqizo noma insizakalo oyifunayo.

Kubalulekile ukukhumbula imithetho embalwa: ungayicimi ikhompyutha yakho, vala isiphequluli sakho se-Inthanethi, noma uphazamise isikhathi. Uma lokhu kwenzeka, ukubuyiselwa kwemali ngeke kufakwe ngenxa yokwehluleka kobuchwepheshe.

Isigaba 4. Sesha umkhiqizo noma insizakalo, inkokhelo

Kulesi sigaba, kufanele ukhethe umkhiqizo nenkonzo edingekayo, ubakhokhele. Uma umsebenzi uphumelela, iklayenti lizothola i-imeyili eqinisekisa ukuthenga nokuthola imali emuva. Kuhle ukuthi umthengi athenge ngokushesha ngemuva kokuya kuwebhusayithi yesitolo.

Ngamanye amagama, udinga ukusebenzisa uhlelo olulandelayo:

iya kuwebhusayithi yomthengisi;
ukukhethwa komkhiqizo ngokungezwa okulandelayo enqoleni;
ukudluliswa kwemali ekhokhwayo.

Ephephe kunazo zonke ongazisebenzisela ukuthenga ngemali ebuyiswayo Xhumaeyenzelwe lezi zinhloso. Inikezwa kumakhasimende ngezinsizakalo zokubuyisa imali.

Le plugin ikuvumela ukuthi uqiniseke ukuthi izimali ezibuyisa imali zizofakwa ku-akhawunti efanelekile. Ngaphezu kwalokho, kwandisa ijubane lokuqalisa komsebenzi wokubuyisa.

Isigaba 5. Ukuhlola inani lemali ebuyisiwe enqwabelene

Kulesi sigaba, kufanele uye ku- ikhabethe lezinsizakalo ezibuyisa imali. Kubalulekile ukwenza isiqiniseko sokuthi inani lemali ebuyisiwe elibuyisiwe lidlulisiwe.

Ngeshwa, amaphutha ayenzeka, yize kungenzeki kaningi. Uma lokhu kwenzeka, kufanele uphenye ngaphandle kokuchitha isikhathi. Kulokhu, amathuba okulungisa inani lokukhokhelwa okungaphansi kakhulu kukhulu kunokulinda isikhathi eside.

Isigaba 6. Ukuhoxiswa kwezimali

Lapho nje inani elanele lokuhoxa selitholakele ku-akhawunti yomuntu siqu yeklayenti yesevisi yokubuyisa imali, unga-oda inkokhelo.

Umthengi angakhetha indlela yokuthola izimali ngokuzimela, ngokuya ngezinketho zokuhoxa ezinikezwa yinsizakalo yokubuyisa imali.

Uma ulandela ngokuqinile imiyalo engenhla, ungabuyiselwa imali ngokushesha futhi ngaphandle kwezinkinga.

Izindlela ezidumile zokuhoxisa imali ebuyiswayo: 1) ekhadini lasebhange; 2) ocingweni; 3) esikhwameni se-elekthronikhi

5. Ungayikhipha kanjani imali ebuyiswayo - ukubuka konke okukhethwa kukho okulula kakhulu nokwethembekile 📋

Insizakalo ngayinye yokubuyisa imali ngokuzimela ithuthukisa imibandela yokuhoxisa ukubuyiselwa kwemali okutholakele. Noma kunjalo, kunomthetho owodwa. Ukuze uthole imali, kuzofanele uqale uqoqe inani elincane lokukhipha imali, bese u-oda inkokhelo.

Izindlela ezilula kakhulu nezinokwethenjelwa zokuhoxisa izimali ezitholwe kubuyiswa imali zichazwe ngezansi.

Inketho 1. Kumakhalekhukhwini

Uma inani eliphansi lokuhoxa lingaphezulu, kufanelekile ukuthi ubheke inketho yokuthola imali kuselula.

Kulokhu, abaningi abaliboni iphuzu lokudlulisa imali ibe yimali. Kungakho amakhasimende anquma ukudlulisela imali etholakele kubanikezeli bamaselula ukuze bakhokhele izinsizakalo zayo.

Omakhalekhukhwini kufanele bakhokhwe njalo, insizakalo okukhulunywa ngayo ingasiza kulokhu.

Inketho 2. Ikhadi lepulasitiki lanoma yiliphi ibhange

Abasebenzisi abaningi bakhetha ukuhoxisa izimali kumakhadi epulasitiki. Ngaphezu kwalokho, imvamisa lapho ukhetha insizakalo yokubuyisa imali, amakhasimende okokuqala anaka ukuthi kungenzeka kube nokukhokha okunjalo.

Ngemuva kokukhipha imali ekhadini lasebhange, ungasebenzisa ngaphandle komkhawulo, zichithe kunoma yikuphi ukuthenga, ukukhokhela noma yiziphi izinsizakalo.

Option 3. To wallet electronic

Phakathi kwabantu baseRussia, izinhlelo ezaziwa kakhulu zokukhokha ngogesi ziyi I-WebMoney, Imali ye-Yandex, futhi Qiwi... Kukulezi zikhwama zemali lapho izinsiza eziningi zokubuyisa imali zinikela ngokukhipha imali etholakele.

Amaklayenti asebenzisa izindlela zokukhokha zamazwe omhlaba kaningi kakhulu, ngokwesibonelo I-PayPal futhi Imali ephelele.

Izinketho ezichazwe zokuhoxiswa kwemali ebuyiswayo akuzona zodwa. Ezinye izinsizakalo zinikela ukukhokhela ezinye izinsizakalo, isib Imidlalo eku-inthanethi. Ngakho-ke, eminye imilutha yokugembula ihoxisa ukubuyiselwa imali kuyo Umhlaba Wamathangi.

6. Izinsizakalo ezibuyisa imali ezihamba phambili - isilinganiso kanye nokuqhathanisa amasayithi we-TOP-3 angcono kakhulu wokubuyisa imali 📊

Isinyathelo sokuqala sendlela yokubuyisa imali ukukhetha insiza okuzotholwa ngayo insizakalo. Ukuze ungazifuneli futhi uzihlaziye izinsiza ngokwakho, kufanele usebenzise izilinganiso zezinsizakalo ezibuyisa imali kakhulu (amasayithi)... Omunye wabo uvezwe ngezansi.

Insizakalo yokubuyisa imali # 1. Ukuthengiswa kwe-Smarty

Ukuthengiswa kwe-Smarty ivele emakethe yokubuyisa imali yaseRussia enye yezokuqala. Namuhla banikela ngokubuyisa ingxenye yokuthenga okwenziwe ngo- 850 izitolo eziku-inthanethi ngezindlela ezahlukahlukene.

Ngale nsizakalo, isib, thenga izingubo, izimpahla zezingane, ezemidlalo nezokuvakasha, izimonyo, futhi izinto zasendlini.

Izitolo ezithandwa kakhulu kwi-inthanethi phakathi kwamakhasimende wensizakalo ye-Smarty Sale yilezi:

I-AliExpress - ukubuyiselwa kwemali kuyinto 3%;
eBay - ibuya kusuka ku- 1,5%;
Ozone - ukubuyisa imali mayelana 2,5%;
ILamoda – 4%.

Izinzuzo eziphambili zensiza okukhulunywa ngayo yile:

izindlela eziningi zokukhipha imali, kufaka phakathi amakhadi asebhange;
ukwesekwa kobuchwepheshe obuphezulu, ukusebenza 7 izinsuku ngesonto ngaphandle kokuphazamiseka.

Phakathi kwamakhasimende anelisekile wensizakalo sekuvele kunabantu abangaphezu kwesigidi abahlala emhlabeni jikelele.

Insizakalo yokubuyisa imali # 2. I-Alibonus

I-Alibonus ingenye yezinsizakalo zokubuyisa imali ezisebenza kakhulu I-AliExpress... Abadali besisetshenziswa bathi baqoqe zonke izimfanelo ezinhle kakhulu zezinsizakalo kubuchopho babo.

Ochwepheshe abaningi bayaqiniseka ukuthi lapho usebenzisa insiza ↑ izinga lezokuphepha nezomnotho zingakhushulwa lapho uthenga ku-AliExpress.

Phakathi kwezinzuzo ze-Alibonus kukhona okulandelayo:

lula ukuhoxiswa kwemali ebuyiswayo;
ikhono lokulandela isimo nendawo okuthengwe kuyo;
ukutholakala kokuqinisekiswa kokwethembeka kwabathengisi;
amandla okufinyelela insizakalo emhlabeni jikelele.

Insizakalo yokubuyisa imali # 3. ePN

ePN Ingabe enye insiza yokubuyisa imali esebenzisana nayo I-Aliexpress... Okokugcina, izinga lezimali ezibuyisiwe lifinyelela 15%.

Isisetshenziswa okukhulunywa ngaso siyanikeza Hhayi kuphela thola imali emuva ngokuthenga kwakho. Lapha ungasebenzisa okuhlukahlukene izaphulelo ngezigaba ezahlukahlukene zomkhiqizo. Ezinye zazo zihlala unomphela, ezinye zinikezwa ngezikhathi ezithile zonyaka.

Enye inzuzo insizakalo ibhekwa ngabaningi ukutholakala kohlelo lokuhambisana... Ukubamba iqhaza kuyo kukuvumela ukuthi ukhulise izinga le-↑ lembuyiselo, uthole amakhodi wokukhushulwa nokunye okuwusizo amabhonasi.

Ukwenza kube lula ukuqhathanisa amasayithi angenhla okubuyiselwa imali, sethule izici zawo eziyinhloko kuthebula elingezansi.

Ithebula "TOP-3 services cashback enezimo ezihamba phambili zamakhasimende":

Igama	Usayizi wokubuyisa imali	Izici zesevisi
Ukuthengiswa kwe-Smarty	Ngaphambi 6%	Okuningi 850 ophathina
I-Alibonus	Ngaphambi 4,9%	Amandla okulandelela iphasela, ubukhona besheke lokuthembeka kozakwethu
ePN	Ifinyelela 15%	Kuhlanganiswe izinzuzo zezinye izinsizakalo ezisebenzisana ne-Aliexpress

Ithebula elihlongozwayo lizosiza oqalayo nquma ngokukhetha insizakalo yokubuyisa imali futhi uqonde ukuthi iyiphi engcono.

Amathiphu awusizo wokukhetha isevisi yokubuyisa imali enhle kakhulu futhi enenzuzo enkulu

7. Ungayikhetha kanjani insizakalo yokubuyisa imali enenzuzo enkulu - amathiphu ama-5 abalulekile kochwepheshe 💎

Inani elikhulu lemithombo yokubuyisa imali esebenza emakethe livame ukudida abasebenzisi be-Intanethi abanolwazi. Khetha phakathi kwabo kunenzuzo futhi okuncono kungaba nzima. Kodwa-ke, izeluleko nezincomo zochwepheshe zingawenza lula lo msebenzi onzima.

Umkhandlu unombolo 1. Hlaziya inani lokubuyiselwa kwemali

Abaningi, bekhetha insizakalo, bagxila kuphela ezingeni lemali etholwayo ebuyisiwe. Ngokwemvelo, wonke umuntu ufuna ukubuyisa imali eningi ngangokunokwenzeka. Kepha ungakhohlwa ukuthi kukhona umkhawulo wokubuyisa.

Ngokwesilinganiso emakethe namuhla, ubukhulu bokubuyiselwa kwemali ngu cishe u-5%... Uma insizakalo inikezela ngomvuzo ophanayo ohluke kakhulu kunesilinganiso semakethe (isib, ifinyelela 30%), kufanele ucabange ngayo bese ubheka izingibe zensiza.

Umkhandlu unombolo 2. Nakani ukuthi kungenzeka yini inzuzo ekhulayo

Insizakalo yokubuyisa imali ingakhiqiza imali engenayo eningi uma inikeza izindlela ezingeziwe zokuthola imali.

Okuvame ukusetshenziselwa le nhloso izinhlelo zokudlulisela, izinhlelo zokwethembeka kumakhasimende ajwayelekile ezinsizakusebenza, futhi uhlelo lwamakhodi wokukhushulwaukuvumela ukuthi uthole isaphulelo esandisiwe.

Umkhandlu unombolo 3. Bheka ukusebenziseka kwesixhumi esibonakalayo

Kubalulekile ukufunda ngokucophelela izinketho ezinikezwa yisixhumi esibonakalayo sesevisi yokubuyisa imali.

Ukucaca okulula nokusebenziseka kalula kwamakhasimende yi, ngenhla ↑ amathuba okuba umthengi avakashele leyo nsiza njalo.

Amakhasimende amaningi anikela cishe ngokushesha ngokusebenzisa izinsiza ezingekho enembile. Noma ezimeni lapho ubukhulu bokubuyiselwa kwemali buphezulu ngokwanele, akekho ofuna ukusesha inkinobho edingekayo imizuzu eminingana.

Umkhandlu unombolo 4. Funda ngokucophelela imibandela yokubala nokuhoxisa imali ebuyiswayo

Ngokuvamile, ochwepheshe babiza esinye sezinkomba zokuthembeka nokusizakala kwensizakalo yokubuyisa imali ukuba khona kwe-algorithm elula yokubala ukubuyiselwa kwemali, kanye nokuhoxa okulandelayo okulandelayo.

Enye inzuzo kungathathwa njengesisetshenziswa esinikeza inani elikhulu lezindlela ezilula zokuthola imali ebuyisiwe.

Umkhandlu unombolo 5. Funda ngokucophelela izibuyekezo mayelana nokusebenzisa isevisi yokubuyisa imali yamakhasimende wangempela

Ukubuyekezwa kwamakhasimende akusizi nje kuphela ukuqonda ukuthi insizakalo ithembeke kangakanani, kepha futhi nokujwayela ama-nuances ahlukahlukene wokusetshenziswa kwayo nangaphambi kokubhaliswa.

Ngasikhathi sinye, akufanele ukholelwe ngokungaboni imilayezo yabasebenzisi esizeni uqobo. Kungcono kakhulu ukutadisha imininingwane enikezwe ngezinsizakusebenza ezizimele: I-Flampe, i-IR Kunconyiwe, i-Otzovike.

Amathiphu angenhla awenzelwe ukuthi aqede. Ochwepheshe abaningi bancoma nokunaka ezinye izici ezibalulekile zezinsizakalo zokubuyisa imali.

Okokuqala kunakho konke inani elincane lokukhipha imali... Uma inkulu kakhulu, ngeke kusaba khona ukusebenzisa insiza kulabo abavame ukuthenga nge-Intanethi.

Okubaluleke kakhulu nakho izinga lokwesekwa kwezobuchwepheshe, futhi inani labalingani bezinsizakalongokuthenga lapho kubuyiselwa khona imali.

8. FAQ - Imibuzo Ebuzwa Njalo 💬

Namuhla ukubuyiselwa kwemali eRussia kungaphansi kokuthuthukiswa. Kungakho, lapho befunda le ndawo yezezimali, abasebenzisi banenqwaba yemibuzo. Ukongela isikhathi sakho, siphendula okuthandwa kakhulu.

Umbuzo 1. Kuyini ukubuyisa imali emidlalweni?

Ngamazwi alula, ukubuyisa imali emidlalweni - lena inkokhelo kumsebenzisi ngokuhlanganyela kwakhe okusebenzayo kunoma yimuphi umdlalo.

Uma sibheka amakamelo e-poker, lapha umqondo wokubuyisa imali unokuthile afana ngakho ukubuyela emuva... Umehluko phakathi kwabo usekubalweni kwamabhonasi, okusetshenziselwa ukucacisa ubukhulu bomvuzo.

Ngokuhlanganyela kaningi emidlalweni Ukubuyiselwa kwemali kukuvumela ukuthi uthole ukubuya okuphezulu in ngokuqhathaniswa nokubuyela emuva. Iqiniso ngukuthi:

Esimweni sokuqala izimali zikhokhwa ngokuqhubekayo. Lokhu kusho ukuthi ukwanda komsebenzi womsebenzisi kuholela ekwandeni komvuzo awutholayo;
indlela yesibili yokubala uthatha imali engenayo engaguquki yemali engenayo.

Izinsiza ezibuyisa imali eziheha abasebenzisi emakamelweni e-poker zithola izinkokhelo zemali ngezenzo zabo. Ezinye zazo bazihumushela kumakhasimende abo. Ngakho-ke, ungakhulisa ukubuyiselwa kwemali ngokudlala njalo imidlalo egumbini elithile.

Umbuzo 2. Uyenza kanjani imali ngezinsizakalo ezibuyisa imali?

Insizakalo yokubuyisa imali ayikuvumeli kuphela ukuthi ubuyise ingxenye yezimali ezisetshenziselwe ukuthenga izimpahla nezinsizakalo, kepha futhi nokuthola imali engenayo eyengeziwe.

Izinsizakusebenza eziningi zimema abasebenzisi ukuthi babambe iqhaza uhlelo lokudlulisela (kubuye kubizwe njalo umlingani). Ngokuhambisana nakho, iklayenti lithola imali yekhasimende ngalinye elikhangwa yinsizakalo yokubuyisa imali.

Uhlelo lokudlulisela lubandakanya ukubambisana phakathi kwensizakalo ebuyisa imali kanye nabalingani bayo ukuze kwandiswe isisekelo samakhasimende. Ukwehlisa izindleko zokuzikhangisa, izinsizakusebenza zikulungele ukwaba ingxenye yemali engenayo nalabo abamema abasebenzisi abengeziwe kusayithi.

Labo ababamba iqhaza ohlelweni lokudluliselwa bayakhishwa isixhumanisi esikhethekile... Ingathunyelwa ekhasini lomuntu siqu kumanethiwekhi omphakathi, kuwebhusayithi yakho, ithunyelwe ngeposi noma nge-SMS kubangani bakho. Uma lesi sixhumanisi sibhalisiwe, umnikazi waso uzothola enye imali engenayo.

Bese ukhumbula ukuthi ukubamba iqhaza ohlelweni lokudlulisela phambili kunezingibe. Ukudluliswa, okungukuthi, umsebenzisi omenywe ohlelweni, kufanele Hhayi kuphela yenza inqubo yokubhalisa, kodwa futhi usebenzise ngenkuthalo izinsizakusebenza. Kulesi simo kuphela, umsebenzisi omdonsile uzothola inkokhelo yokudluliselwa.

Ezimweni eziningi, ngokudluliselwa, abasebenzisi banamaphesenti okubuyiselwa kwemali abakutholayo. Kubalulekile ukuqonda ukuthi insizakalo ngayinye iyakhula ngokuzimela imigomo yohlelo lokuhambisana.

Kude kuyo yonke indawo bangabizwa ngokuthi kunenzuzo impela, ezinye izinsiza zikhokha amasenti ngokoqobo okudluliselwa. Kungakho, ngaphambi kokubamba iqhaza kuhlelo lokuhambisana, kufanele ufunde ngokucophelela imigomo yalo.

Sibhale ngokuningiliziwe ukuthi ungayenza kanjani imali ngezinhlelo zokuhambisana kwenye ye-athikili yethu.

Umbuzo 3. Liyini ikhadi elinokubuyiselwa kwemali futhi imaphi amakhadi angasetshenziswa ukuthola iCash Back enkulu kunazo zonke?

Ikhadi elinokubuyiselwa emuva kwemali yikhadi lasebhange, elinenkokhelo engeyona imali okuyingxenye yemali esetshenzisiwe ebuyiselwa kumnikazi wayo. Inani lembuyiselo (ukubuyisa imali) kunqunywa yibhange ngalinye ngokuzimela.

Ngokwesilinganiso emakethe, amabhange aseRussia abeka imali emuva kunani le- kusuka ku-0.5% kuya ku-10% kusukela kunani lokuthenga. Kulokhu, izinkokhelo zingenziwa njenge- ngokheshifuthi ahlukahlukene amabhonasi... Amanye amabhange anikela ngokukhipha imali ekhokhwayo ngale fomu inkokhelo yezinsizakalo zeselula.

Izinhlelo zebhonasi ezaziwa kakhulu ezweni lethu ngiyabonga kusuka eSberbank futhi Ukuqoqwa kusuka ku-VTB24 Bank.

Ngokuya ngemibandela yokunikezwa okuthile, amabhonasi atholiwe angasetshenziswa kuphela ezitolo ezithengisa izinkampani ezithile.

Lezi yizimo ukuthi Ibhange Leposi ekhadini lakho Pyaterochka... Ngokuhambisana nalolu hlelo, amabhonasi anqwabelana nganoma yiziphi izibalo, kepha ePyaterochka ungathola inzuzo eyengeziwe, futhi usebenzise amabhonasi anqwabelene.

Kubalulekile ukuqonda ukuthi ukubuyiselwa kwemali akulona uhlobo oluhlukile lwekhadi lasebhange. Kungumsebenzi owengeziwe ongaxhunywa kumakhadi epulasitiki. Yingakho ukubuyisa imali ingafakwa kuwo womabili amakhadi edebithi namakhredithi.

Amabhange amaningi akhokhisa amabhonasi kuphela uma izimali zisetshenziswe kusuka ekhadini ngendlela engeyona imali, okusho ukuthi, kwenziwa ngayo imali nganoma yiziphi izimpahla nezinsizakalo. Ngasikhathi sinye, imali ayibuyiswa uma imali ikhishwe kwi-ATM noma kwirejista yemali, noma isetshenziselwe ukugcwalisa umakhalekhukhwini, kanye nezikhwama ze-elekthronikhi.

Bese ukhumbula ukuthi isikhungo ngasinye sezikweletu sithuthukisa ngokuzimela imibandela yohlelo lokubuyisa imali. Ngokwesibonelo:

yedwa amabhange avumela ukusebenzisa imali etholwe kuphela kubalingani bohlelo;
abanye setha ileveli ebuyiselwe yemali lapho ubala ezindaweni ezithile zokuthengisa.

Kunoma ikuphi, inqubo yokuthola imbuyiselo ifaka izigaba ezimbalwa eziyinhloko:

Umnikazi wekhadi ulisebenzisela ukwenza inkokhelo engeyona imali yezimpahla nezinsizakalo azidingayo;
Inani eligcwele lokuthenga lidonswe kwi-akhawunti exhunywe ekhadini lasebhange;
Ekupheleni kwesikhathi sokukhokha, isikhungo sekhredithi sibala futhi sibuyisele inani elifunekayo kumnikazi wekhadi elibuyisa imali. Kulokhu, izimali ezibuyisiwe zingafakwa ngqo ku ikhadi lasebhangenokuqhubeka hlukanisa i-akhawunti ekhethekile.

Ibhange ngalinye lisetha ubude besikhathi sokukhokhelwa ngokuzimela. Angaba njalo kusuka 1 izinsuku ngaphambi 1 izinyanga.

Namuhla, amabhange amaningi ahlinzeka ngamakhadi wesikweletu Isikhathi somusa, lapho inzalo ingakhokhiswa. Ezimweni ezinjalo, amakhasimende athambekele ekutholeni ikhadi elinikeza ukubuyiselwa kwemali okuphezulu kakhulu. Kukulesi simo lapho singasho ukuthi ikhadi lesikweletu lizoletha inzuzo ephezulu.

Ngokusebenzisa amakhadi wesikweletu ane-cashback, iklayenti lithola ithuba Hhayi kuphela khokha izindleko zensizakalo nenzalo ngokwenza izinkokhelo ezingezona ukheshi, kodwa futhi uthole imali engenayo encane eyengeziwe.

Phakathi kwamabhange aseRussia akhipha amakhadi abuyisa imali, okulandelayo kungahlukaniswa:

AT I-Alfa-Bank inani lezimbuyiselo zezinye izigaba zokuthenga lifinyelela 15%... Ngasikhathi sinye, ungathola kokubili ukudonswa kwemali kanye nekhadi lesikweletu ngokubuyiselwa imali;
Ibhange iTinkoff ikhipha isigaba sebhange lesigaba IPlatinamuongabuya ngalo 1% ekuthengeni ngakunye. Ngasikhathi sinye, kubekiwe ileveli yokubuyisa imali ebekelwe izigaba ezithile, ezingafinyelela 30%;
URosselkhozbank imema amakhasimende ayo ukuthi abe ngabanikazi bekhadi lasebhange, okubuyiselwa imali ngalo noma yikuphi ukuthenga 1%. Lapho ukhokha emagalaji kaphethiloli, kuzokwazi ukubuya 5% inani elisetshenzisiwe.

Kubalulekile ukuthi uqaphele ngokusemandleni akho lapho ukhetha ikhadi lasebhange elinemali ebuyiswayo. Kuyadingeka ukunquma hhayi kuphela ukuthi kuzoba yini: isikweletu noma ukudonswa kwemali... Kuyafaneleka futhi ukunquma ukuthi yimaphi amasevisi owadingayo owadingayo. Amanye amabhange anikela ngamakhadi asebhange anemali ebuyiswayo inzalo iqongelela kubhalansi.

Kuyaqabukela, kepha kusenzeka, amakhadi abuyiselwe imali ngenkonzo yamahhala... Lokhu yikho kanye ahlongoza ukukukhipha Thinta ibhange... Lapha kuzokwazi ukubuya 1% yazo zonke izimali ezisetshenzisiwe, lapho wenza izinkokhelo ezitolo zesigaba esikhethiwe, ungathola ukubuyiselwa kwemali kuze kube ngu-3%.

Kufanele futhi unake ukuthi kungenzeka kube khona izinkokhelo ezingathintwa. Amabhange alwela ukulandela ngokuqinile ubuchwepheshe besimanje ahlongoza ukusungula izicelo ezikhethekile kuselula... Kulokhu, ikhadi lasebhange alidingeki nhlobo ukukhokha ngamaketanga okuthengisa.

Ukusetshenziswa kwemali ebuyiswayo eRussia kuthola umfutho kuphela. Akuwona wonke umuntu owaziyo okwamanje ukuthi le mali ewusizo isiza ukonga imali eningi. Kubalulekile ukutadisha ngokucophelela wonke ama-nuances wohlelo lweCash Back.

Ekuphetheni, sincoma ukuthi ubuke ividiyo ewusizo ukuthi iyini imali ebuyiswayo nokuthi ungayisebenzisa kanjani:

Konke lokho okwethu.

Imibono Yokuphila ikufisela impumelelo yezezimali! Vumela konke ukuthenga kwakho kuhambisane nenzuzo enkulu.

Uma unemibuzo noma imibono ngesihloko sokushicilelwa, bese uyibhala kumazwana angezansi. Sizojabula futhi uma wabelana ngendatshana yakho nabezindaba nabangani bakho. Kuze kube yisikhathi esilandelayo!

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