Amazon Yandisa ukhetho lwakho lokuthenga ukuze ungadibani naluphi na uhlobo lwesithintelo xa uthenga iimveliso onomdla kuzo ngeqonga. Njengoko? Kakuhle ngenye ukhetho olutsha lwenkxaso-mali. Sichaza indlela le nto enokwenzeka ngayo xa uthenga.
Isebenza njani imali kwiAmazon
Sithenga ngakumbi nangakumbi kwi-Intanethi kwaye, ewe, iAmazon inetyala loku. Isigebenga se-elektroniki sinikezela ngenani elikhulu leemveliso kwi-portal yayo, izaphulelo ezininzi kunye nezixhobo ezininzi zokuthenga (kunye nokubuya, kufuneka kuthiwe). Ngoku unjalo ukhetho Xa kufikwa ekufumaneni i-VISA, zongezwa ngokufika kwento enye kwaye akukho nto ingaphantsi kwenkxaso-mali.
Le nto intsha inokwenzeka, ibhaptizwe yiAmazon njenge "Hlawula ngo-4", iya kukuvumela ukuba uthenge iimveliso ngexabiso phakathi kwama-75 nama-1.000 euros kwaye uhlawule imali ngamaxesha amane -hayi, ngoko ke ayiloncedo kwizinto ezincinci ezithengiweyo okanye khupha ii-ebooks. Kule nto, kuya kufuneka kuqala ivunywe yi-Cofidis, iqumrhu elijongene nolawulo lolawulo. Inkxaso-mali ayinamdla, kodwa ewe, kukho ikhomishini yokuvula (2,50% yemali eyinkunzi eceliweyo).
Ngale ndlela, ukuba uthenga imveliso efanelekileyo 75 euro, uya kuhlawula izavenge ezine ze-19,22 euro (uya kuba uhlawule ekupheleni kwe-76,88 euro - TIN ye-0% kunye I-APR ye-21,60%); ukuba sithetha malunga nolunye olugqithisileyo, ukuthengwa kweemveliso ezixabisa 1.000 euro, isixa sokugqibela esiya kuhlawulwa siya kuba yi-euro eyi-1.025 (izavenge ezine ze-256,25 euro - TIN ye-0% kunye I-APR ye-21,54%).
Siza kuzama ukuphendula imibuzo esisiseko oya kuba nayo ngokuqinisekileyo malunga nale nkqubo intsha.
Imibuzo kunye neempendulo malunga ne-Amazon financing
Sikushiya ngezantsi ngeyona mibuzo isengqiqweni evela ngokuqinisekileyo ngolu hlobo.
Ngawaphi amanyathelo ekufuneka uwalandele ukukhetha inkxaso-mali yokuthenga imveliso?
Ukuxhasa imveliso ngezimali kulula kakhulu kwaye kuyakhawuleza kunokuba unokucinga. Ezi zezo amanyathelo ukulandela:
- Beka into ofuna ukuyithenga kwibhasikithi yokuthenga (khumbula ukuba kufuneka idlule i-euro ye-75 kwaye ingadluli i-euro eyi-1.000).
- Nje ukuba unayo yonke into oyifunayo, cofa ku- "Process purchase".
- Landela la manyathelo de ufikelele kwinyathelo elithi "Iindlela zokuhlawula". Xa ulapho, khetha "Hlawula ngo-4«.
- Kuya kufuneka ugcwalise isicelo senkxaso-mali kwi-intanethi kunye nedatha yakho (kuya kufuneka uthumele ifoto yesazisi sakho) kwaye uya kufumana impendulo kwangoko ngemvume okanye hayi.
- Yakuba ivunyiwe, isixa-mali esixhaswa ngemali siya kwahlulwa sibe ngezavenge ezine eziya kuhlawulwa kwikhadi lakho kwiintsuku ezingama-90 ezilandelayo.
Zeziphi iindlela zokuhlawula ezisebenzayo? Ndiyazi ukuba inokuxhaswa ngemali kwaye yintoni engenakho?
Ukwenza intlawulo ungasebenzisa naliphi na ikhadi letyala okanye debit, ngaphandle American Express, amakhadi angaphandle, virtual okanye prepaid. IAmazon icacisa ngakumbi ukuba inkxaso-mali ayizukufumaneka iingobozi eziqulathe iivawutsha zesipho ukusuka eAmazon, ukuthenga kwidijithali (umculo, iividiyo, iincwadi zeKindle, umdlalo okanye ukhuphelo lwe-app), iimveliso zivuliwe presale o iphelile kwisitokhwe. Ngokufanayo, ayizizo zonke iimveliso, ngenxa yokuba zingaphakathi kuluhlu lwamaxabiso, zifanelekile "Hlawula kwi-4", nangona singazi ukuba zeziphi iindlela zangaphakathi ezizilandelayo.
Ngaba inokubuyiswa into exhaswa ngemali?
Ewe. Umgaqo-nkqubo wokubuyisela uhlala ufana njengoko sele sisazi ukuze uqhubeke nokubuyisela nantoni na oyithengayo usebenzisa le ndlela. Ukuba iAmazon ikwenza ube ukubuyisela imali ngokupheleleyo, uya kubuyiselwa imali osele uyihlawule, kuquka iikhomishini. Kwimeko yokubuyiselwa kwenxalenye yembuyekezo, isixa-mali esipheleleyo esixhaswa ngemali siya kuguqulwa kwaye izavenge ziya kubalwa kwakhona ngokufanelekileyo, inkampani icacisa eli candelo lewebhusayithi yalo esemthethweni.
Ngaba inkxaso-mali yaseAmazon sele iyasebenza?
Njengoko oogxa bethu besixelela Indawo yeADSL, Ukusukela ngolwesiHlanu odlulileyo sele kunokwenzeka ukuba ukhethe ukhetho lwenkxaso-mali ekuthengeni kwe-Amazon - unokubona umfanekiso weskrini kule migca apho isaziso sibonakala, ngaphantsi kwexabiso, ukuba ukhetho "lokuhlawula ngezavenge ezi-4" ekhoyo. Thina, nangona kunjalo, asikwazanga ukuyenza ibonakale xa sithenga -ngaphandle kokuba umsebenzisi wokuqala weAmazon, kwimeko apho lo mbuzo uvela-, ngoko ke kunokwenzeka ukuba unikezelo lwenkonzo luyenziwa ngokuthe ngcembe.