Kuyamikira kuchita mbuye

Chilichonse chomwe muyenera kudziwa kuti mupemphe ngongole kuti mupeze mbuye Kuti amalize maphunziro aku yunivesite, chiwerengero cha ophunzira omwe asankha kuchita digiri ya master chikuwonjezeka. Imaganiziranso chitsimikizo choposa chodabwitsa kwa iwo kuti apeze ukatswiri wotsogola wokhutiritsa kwambiri zofuna zawo. Kalasi yamaphunziroyi ndi imodzi mwazinthu zofunikira kwambiri pagawoli. Mwa mitundu yonse, ndipo ngakhale ndi kusiyana kwakukulu pamtengo wake wachuma. Ngakhale mtengo wapakati wamaphunzirowa, malinga ndi kafukufuku waku Unduna wa Zamaphunziro, ili mozungulira ma 6.000 euros, sizovuta kudziwa malingaliro ophunzitsira omwe amapitilira chiwerengerochi mosavuta, ngakhale kuwonjezerapo katatu.

Kuwonongeka kwakukulu komwe ana amakumana nako kuti alembetse imodzi yamaphunziro awa ndizovuta zomwe mwayi wawo umabweretsa. Nthawi zambiri zimakumana ndi zomwe eni awo amasunga. Kwa ena, ndi makolo awo kapena abale awo omwe ali ndi udindo wolipira ndalama zamaphunzirowa. Ndipo osati munthawi zochepa, Sadzachitiranso mwina koma kupita ku gwero limodzi lazachuma lomwe mabungwe azachuma athandizira kulipirira ndalamazi..

Chifukwa, ngati pali chinthu chomwe chikuphatikizidwa mokwanira m'mabanki, ndiye mbiri ya masters. Pafupifupi onse amawaphatikiza pamalingaliro awo azachuma. Ndipo chofunikira kwambiri, ndimikhalidwe yabwino kwambiri yolembera ana ophunzira. Popanda kukhala mbiri yabwino, zimakhudzapo zina zofuna mpikisano wambiri kuposa womwe umagwiritsidwa ntchito pazofuna zina zamakasitomala (ngongole zanu, kugula, kugula zinthu, ndi zina zambiri). Ndikuti adapangidwa kuti owapindulira awonjezere maphunziro awo, m'maphunziro omwe akuchitika ku Spain, komanso kunja kwa malire athu.

Kodi gwero lazachuma lili kuti?

Kuyamika kwa digiri ya master kumaphatikizanso mawonekedwe apadera omwe muyenera kuganizira ngati mufuna miyezi ikubwerayi. Osati pachabe, Ayembekezera kuchuluka kosafunikira kwenikweni komwe mudzayenera kubwezera ndi zofuna zake. Ndipo ngakhale ndichinthu chosinthika kubanki, ndibwino kuti mudziwe mgwirizano womwe mudzasaine. Ndipo zachidziwikire, ngati muli ndi njira yochepetsera ndalama, ndikuletsa ngongole zochulukirapo kuti zisasokoneze akaunti yanu yowunika.

Kuchokera pazochitikazi, mupeza njira yachuma. Ndi ophunzira aku yunivesite okha omwe akupanga maphunziro apamwamba omwe angakwanitse. Mabanki adzakupatsani ndalama zoposa 30.000 euros kuti mukwaniritse zosowa izi. Ndipo komwe zachilendo zoyamba pokhudzana ndi ngongole zina zimabwera mukakhala ndi nthawi yachisomo, yazaka 1 kapena 2 koposa. Kuti pachiyambi mutha kukumana ndi ndalama izi.

China mwazinthu zofunikira kwambiri pakukhazikitsa kwake ndichomwe chimakhudzana ndi nthawi yobweza. Ndiowuma kuposa mitundu ina, komabe mudzakhala ndi zaka 5 kuti mubwezeretse. Ngakhale ngati zomwe mukufuna zikuchitika mwachangu, mutha kugwiritsa ntchito nthawi yochepayi. Ngati mukulitsa malamulowa, mudzatha kulipira pang'onopang'ono mwezi uliwonse, ngakhale m'malo mwake, mudzakhala nawo kwa nthawi yayitali, ndipo chifukwa cha iwo kulipira komaliza kumakhala kwakukulu.

Chimodzi mwazopereka zomwe kulembedwa ntchito kwanu ndikuti nthawi zambiri samapangidwa ndi mtundu uliwonse wamalamulo (kutsegula, kuphunzira, kuletsa koyambirira, ndi zina zambiri)  kapena ndalama zina zowayang'anira. Makhalidwewa, omwe amadziwika ndi onsewo, amakupatsani mwayi wopulumutsa mayuro ambiri mukamapanga banki. Ngakhale samalani kwambiri, chifukwa kusasunga kwanu malipilo kumatha kukhala ndi zilango zazikulu zomwe muyenera kukumana nazo muubwenzi wanu ndi omwe akupatsani zomwe mukufuna.

Chidwi chochepa kwa ambuye

Amayamikiridwa ndi zabwinoMfundo yofunika kwambiri imafika, mwina yomwe imakulimbikitsani kwambiri kudalira malingaliro abwino kwambiri. Si winanso koma chiwongola dzanja chomwe chingaperekedwe pakufunidwa kwa mankhwalawa. Musakayikire kuti mudzakhala mukukumana ndi ndalama zopindulitsa kwambiri pazokomera zanu. Amakhala mumtunda womwe umayenda pakati pa 6% ndi 8%, Ndi kuti mutha kuzipeza zotsika mtengo mukakumana ndi zina zomwe mabanki adzakakamize.

Popeza ndichinthu champhamvu kwambiri, chomwe chimasinthidwa mosalekeza kuti chizigwirizana ndi zosowa za makasitomala, kuphatikiza Zimaphatikizaponso kuthekera kwakuti mutha kuzibweza mukamaliza kuphunzira mbuyeyo. Ndizosadabwitsa kuti mabungwe ena azachuma amaphatikizira gawo ili pamgwirizanowu, ndipo lingakhale lothandiza pazokomera zanu, kutengera mbiri ya kasitomala yemwe mumapereka. Njira ina yomwe imagwiritsidwa ntchito ndikutha kupanga magawo 14 pamwezi pachaka ngati njira yochotsera msanga mwachangu.

Zofunika pakufuna kwanu

Zomwe mabanki adzafunse kuti avomerezeKomabe, ndipo gawo la malo omwe amakupatsirani kuti mupeze ndalamazi, muyenera kukwaniritsa zofunikira zingapo kuti mukhale ndi ndalama zawo muakaunti yofufuzira. Poyamba, muyenera kutsimikizira kulembetsa kwa mbuye, chifukwa ngati simudzakhala ndi chochita pakufunidwa. Kenako yankhani zachuma pantchitoyi. Kudzera mu ndalama zomwe mumapeza pafupipafupi (china chake chachilendo panthawiyi), kapena makamaka kudzera kwa guarantor, omwe angakhale makolo anu, kapena wachibale weniweni.

Ngati mungakwaniritse izi, mudzakhala okhoza kulandira ngongoleyi. Kupyolera mu njira yovuta kwambiri, yomwe imatha milungu ingapo. Ndipo pomaliza, khalani ndi ndalama zomwe mufuna muakaunti yanu yowunika. Kumbali inayi, siziyenera kukhala kuti ndi zomwe zakupatsani. Ndiye kuti, simusowa kusintha mabanki.

Muyenera kutsatira zomwe agwirizana onse awiri, ndikumaliza mwezi uliwonse. Kudzera kuchotseredwa pamtengo woperekedwa ndi zofuna zake. Ndipo kwa zaka zambiri momwe mwasankhira pempholi. Ndipo kuyambira pano, mudzakhala mutalipira ndalama zomwe kumaliza maphunzirowa kudzakhala nazo.

Kuyamikira komwe mungagwiritse ntchito

Zikondwerero zomwe mabanki amapereka Mukawona mawonekedwe akulu azinthu zakubanki izi, muyenera kungoganiza pazomwe zingafanane ndi kasitomala wanu. Kuchokera pazosankha zingapo, zomwe zimapangidwa mofanana kwambiri pakati pawo onse. Ndipo komwe mwina pang'ono (kapena kusiyana) ndi komwe kungakupangitseni kukhala amodzi mwamamodeli omwe mabungwewo amapereka.

Pakukupatsani banki pakadali pano muli ndi zambiri zoti musankhe, kudzera pamapangidwe omwe adapangidwa mosamala kuti muthe kulipira ndalama zomwe gawo latsopanoli liphatikizire. Chimodzi mwazinthu zopatsa mowolowa manja ndichomwe chimachokera ku Kutxabank. Adalimbikitsa kubwereketsa izi zomwe zimakupatsirani ma 60.000 euros. Chopereka chake chachikulu chagona pa kuti mudzakhala ndi chisomo mpaka zaka 2 koyambirira, yokhala ndi nthawi yayitali kwambiri yobwerera yomwe imatha zaka 8.

Momwemonso, ngongole yopangidwa ndi BBVA imatuluka, koma nthawi ino imakupatsani mwayi wokulitsa kuchotsera mpaka zaka 10. Ma 18.000 euros ndi ndalama zomwe Ibercaja imakupatsani kuti mulipirire zomwe mbuye wanu adachita, ndikukweza nthawi yachisomo mpaka zaka zitatu ngati malire. Chachilendo china chomwe njirayi yopezera ndalama ndi yomwe Muli ndi mwayi wosankha chiwongola dzanja chomwe mukufuna, kaya nthawi yokhazikika kapena yosintha, mosadziwika bwino. Ngakhale muyenera kutenga ntchito yotsegulira 1,25%, zomwe pamapeto pake zimapangitsa kuti ntchitoyo ikhale yotsika mtengo.

Zina mwazinthu zomwe zathandiza mtundu uwu wa ngongole pazomwe amapereka ndi Banco Sabadell. Ndi kuchuluka kwama 45.000 euros, ndipo omwe amagulitsidwa pansi pa chiwongola dzanja cha 7%. Mudzakhala ndi zaka 10 kuti muchepetse ntchitoyi, komanso monga momwe tafunsira kale, ndi komiti yofanana.

Popanda ntchito iliyonse, ngongole yopangidwa ndi Unicaja imapangidwanso, yomwe imapatsa ophunzira mwayi wazachuma mpaka ma 18.000 euros. Ndizabwino, komano, kuti mudzatha kuzimitsa mwachangu, m'zaka 5. Malingaliro omaliza amachokera ku Banco Popular, kutsatsa ndi chidwi cha 7,4%, komanso ndi nthawi yazisomo zaka ziwiri. Pobwezera adzalembetsa 1%.

Momwe mungapezere ngongole ndi zinthu zabwino?

  1. Kusankha njira zandalama zomwe zimakhala ndi chiwongola dzanja chambiri pamsika, ndipo ngati zingatheke sizipitilira 7%.
  2. Izi zimapangidwa popanda mtundu uliwonse wamakampani kapena zina zowonjezera, kuti musadzalandire ndalama zambiri pakulipira komaliza komwe mudzayang'anizane nako chifukwa chololeza.
  3. Kulandira ena Kutsatsa komwe kumalimbikitsa ma bonasi ena ngati mwachita mgwirizano ndi zina kubanki.
  4. Kuphatikizidwa kwa nthawi yachisomo, pakati pa 1 ndi 2 zaka, ikhoza kukhala njira yabwino kwambiri yothanirana ndi ndalamazi, makamaka kumayambiriro kwa ntchito yanu.
  5. Mutha kugwiritsa ntchito mwayi wamitundu yambiri, kuti musankhe yomwe ili yopindulitsa kwambiri pazokomera zanu.
  6. Ngati mukuvutika kuti mubweze, musadandaule, chifukwa muli ndi njira zina zopezera ndalama mutha kuwabwezera nthawi ina, mukadzaphunzira maphunzirowo.
  7. Ndipo potsiriza, mudzakhala ndi chuma cha gwiritsani ntchito ndalama zochepa zomwe simungathe kuzipeza: Kuyanjana pakati pa abale, anthu, ndi zina zambiri.

Zomwe zili m'nkhaniyi zikutsatira mfundo zathu za malamulo okonzekera. Kuti mufotokoze cholakwika dinani Apa.

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  1. Wotsogolera pazosankhazi: Miguel Ángel Gatón
  2. Cholinga cha deta: Control SPAM, kasamalidwe ka ndemanga.
  3. Kukhazikitsa: Kuvomereza kwanu
  4. Kulumikizana kwa zomwe zafotokozedwazo: Zomwezo siziziwululidwa kwa anthu ena kupatula pakukakamizidwa mwalamulo.
  5. Zosunga: Zosungidwa ndi Occentus Networks (EU)
  6. Ufulu: Nthawi iliyonse mutha kuchepetsa, kuchira ndikuchotsa zidziwitso zanu.