Erasmus zvikwereti, kuti ungazviwana sei?

Tsika dzekuchinjana pakati pevechidiki veSpanish zvinowanda uye zvinowanzoitika. Icho chikamu chedzidzo yavo yedzidzo, uye semhedzisiro vanofunga kushandisa mazuva mashoma - pamwechete nevamwe vanhu vane hunhu hwakafanana, asi hwenyika dzakasiyana - kune dzimwe nzvimbo dziri kunze kwekuenda kwavo: Milan, Paris, Brussels, Vienna, Amsterdam … Zvisinei hazvo, dambudziko guru ravanaro mukutanga chiitiko chetsika ndechekuti vachatofanira kuripa mari: nzendo, kugara, kudya, nezvimwe Uye kazhinji, Ivo havazove neimwe mhinduro kunze kwekutsvaga kune imwe yeakawanda zvikwereti zvinotengeswa nemabhangi kuzadzisa ichi chinodiwa chevadzidzi.

Mari yekutambira iyi dambudziko yetsika nemagariro inogona kuuya kubva kune yako wega mari, kana yakawedzera kuwanda kuburikidza nerubatsiro rwemari iyo ichauya kubva kuvabereki vako, vanozove ivo vanozove ivo vanozopedzisira vave mukutarisira kwekubhadharira idzi tsika dzekuchinjana. Asi kana zvisiri, hapazove nesarudzo kunze kwekuenda kubazi rebhangi riri padhuze ndokumbira nzira yekubhadhara mari kuzadzisa mari inobatanidzwa munzendo dzetsika idzi. Kwete chete kwekufamba, asiwo kwekugara uye kugadzirisa kwevana. Uye pamwe kunyangwe kuwedzera kwekudzidziswa munyika dzaunosimudzira tsika kuchinjana.

Takatarisana nemamiriro ezvinhu aya akaunzwa kune vechidiki veSpanish, Chikamu chakanaka chemabhangi chakaita zvikwereti chaizvo zvakagadzirirwa kubhadhara mari idzi. Ndiwo anonzi Erasmus Zvikwereti, zvakaiswa zvechigarire munzvimbo yazvino yebhangi. Uye pasi pemamiriro ezvinhu akanaka kwazvo pane zvaunofarira. Kwete chete nekuda kwemamiriro ayo ekubvumirana, asiwo nekuda kwenzvimbo yemubereko iyo inoshanda, yakanyanya kukwikwidza kupfuura mune yechinyakare mari.

Ivo vanopa kusvika makumi matatu ezviuru euros

Kumisikidza kwavo kunokurudzira kuti ubhadhare mari shoma kwavari, zvine chekuita nechikwereti kutenga mota, kana kushandisa zororo rinotevera neshamwari dzako. Ichave yakatenderedza 6%, uye kazhinji isina makomisheni kana zvimwe zvekushandisa mari izvo zvinoita kuti mutengo wekupedzisira wekuda kwako unodhura. Icho chichava chisingadzorerwe chikumbiro kana zvishuwo zvako zviri zvekuenda kuchinjana kwetsika, pamwe nevamwe vechidiki vane zvinonetsa zvakafanana newe, mumwedzi inotevera. Iwe unogona kusarudza kubva pane dzakasiyana siyana zvirevo, kunyange zvakadaro zvakafanana pakati pavo vese. Uye uko chero ruzivo, kunyangwe rwusina basa, rwuchakurudzira kuti unyore.

Ivo vanokupa iwe unosvika anosvika zviuru gumi nezvishanu euros, kuti ubhadhare izvo zvinotorwa kubva mukugara kwako kune imwe nzvimbo kunze kwenzvimbo yemhuri yako. Nenguva yekubhadhara nekukurumidza kupfuura zvakajairwa, izvo zvinokutora kuti uidzore pasina makore anopfuura maviri, kunyangwe kuvhara iko kuvhiya mumwedzi mishoma. Kuverenga, mune zvakawanda zvezvipiwa zvinoratidzwa nemasangano emari, iine nguva yekutanga yenyasha (inosvika kumwedzi mitanhatu) kuitira kuti ugone kubhadhara zvirinani pamwedzi zviyero zvaunobhadhara kubhangi kuti ubhadhare chikwereti.

Makadii aya?

Iyi chaiyo nzira yemari inosimudzirwa nemabhangi Inozivikanwa nekuti iine chinangwa chakanangana, icho chisiri chimwe kunze kwekutsigira kutsinhana kwetsika. Chero chipi zvacho chinodiwa chauinacho chisingazofungidzirwe mukupa kwayo pasi pechinhu chero chipi zvacho, uye uchafanirwa kutarisa kune zvimwe zvikwereti zvinogoneswa mupiro yazvino yebhangi. Zvakare, iko kuchave kuvhiya - kunyangwe uchikumbira zvishoma zvinodiwa - izvo zvingangoda kubvumidzwa nevabereki vako. Kana iwe ukateerera izvi, iwe unozviwana nekukurumidza muaccount yako yekutarisa, pasina anopfuura mazuva mashanu kana manomwe kubva kuchikumbiro chako.

Chero zvazvingaitika, unenge usina mabhonasi sezvaunoita nechidimbu cheimwe chikwereti. Mupfungwa iyi, ivo vanowanzovharwa uye havana kuvhurika kunanga madhidhi emubhadharo, kana kunyange mareti epamba. Kune rimwe divi, ivo vanonyanya kuchinjika kubhadhara mari iyo inowana kubva mukuwedzera kwezvidzidzo zvako. Kunyangwe kutenga mabhuku, zvekudzidzisa kana zvimwe zvinhu zvedzidzo.

Iwe unogona kugadzira amortization yekutanga zvakafanana, asi zvichave nyore kuti iwe uverenge zvinyorwa zvidiki zvechibvumirano, nekuti pamwe zvinosanganisira chirango nemakomendi anorema (akatenderedza 2%) pachiitiko ichi. Kana iwe usiri kuda kuti izvi zviitike, Zvichakurudzirwa kuti iwe uchinje nguva yekudzoka kune zvaunoda iwe pachako. Izvo zvakare zvinokurudzirwa kuti iwe utarise pachibvumirano kuti uone kana uchifanira kubhadhara chero emakomisheni ayo (kuvhura, kudzidza, kukanzura kwekutanga, nezvimwewo). Kunyangwe chinhu chakajairwa mukugadzirira kwavo ndechekuti ivo vanoregererwa kubva kwavari.

Zvakanakisa zvikwereti zvinopihwa nemabhangi

Wakatarisana nekudiwa kwekunyorera chimwe chezvikwereti izvi, hauzove nedambudziko nekuti kupihwa kwakaratidzwa kubva kumasangano emari kwakanyanya. Nezvirevo zvakasiyana izvo zvingave zviri nyore kuti iwe uzviongorore mune zvakadzama kutarisa kuti ndeipi inonyanya kukodzera chimiro chako sekuda kweichi kirasi yezvigadzirwa kune mari yemudiki.

Kubva pane ino mamiriro, chikumbiro icho BBVA chaunokuitira pasi peBlue Erasmoo Loan chinobuda. Iyo sosi yekubhadhara iyo inokupa iwe yakawanda huwandu hwe6.000 euros, uye icho chikamu che inguva yakazara yenyasha yemukuru uye kufarira kunosvika makore maviri. Kutxabank inopawo mari muchikamu ichi, nemari yakafanana, uye mune iyi nyaya inozivikanwa nenyaya yekuti inoenderana nezvimwe zvikwereti zviripo zvedzidzo, fizi….

Openbank, kune rimwe divi, yakagonesa iyo Erasmus Loan mukupa kwayo, iyo nguva ino inopa zvihombe zvemari zvakanyanya kuitira kuti vadzidzi veyunivhesiti vagone kusimudzira chiitiko ichi nekureruka kukuru. Iyo inopa avo vanonyorera kusvika ku18.000 euros, vachishandisa chimbadzo chemari inosvika 8,00% zita, asi isingabhadharwe zvachose kubva kumakomisheni uye nezvimwe zvinoshandiswa mukutarisira kwayo

Zvese izvi zvirevo zvinotungamirwa nezvinodiwa zvakafanana, kwavachafanirwa kupa kosi yavari kuenda, uye nezvavanogona kuvimbisa mashandiro ebhengi, kungave ivo pachavo, kana kuburikidza nemari inowanikwa nevabereki vavo. Izvo zvinoitirwawo vadzidzi vari pasi pemakumi matatu vanoshuvira kubhadhara mari idzi.

Uye semubatsiri kuchipo ichi, inogara iri sosi yekuenda kune zvirevo zvave kuitwa nemabhangi makuru. Sezvinei, zvikwereti (zvimwe zvakajairika), izvo zvine chinangwa chekuwedzera zvidzidzo zveyunivhesiti, masters, kosi dzekupedza kudzidza, kana kuenda kunze kwenyika, pakati pevamwe. Uye kuti muzviitiko zvese ivo vanotengeswa pasi pemamiriro akafanana ekubvumirana, nechimbadzo pamusoro pe7%, uye pasina kusanganisira makomisheni kana zvirango.

Kana iwe uchida kuongorora ichi chekubhengi, iwe uchafanirwa kuenda kune vechidiki madhipatimendi ayo masangano anofanirwa kugutsa zvido zvevatengi kubva kune vechidiki chikamu chevaSpanish vagari. Kunyangwe pamwe neapo neapo kukwidziridzwa uko kunogona kudzikisa chiwero chako chemubereko. Kunyangwe yenzendo dzekutsinhana kunze kwaErasmus, uye kuvhara huwandu hwakawanda hwevatengi, pasina kusarudzika nekuda kwesarudzo yavo.

Matipi gumi ekuvatsvaga

Kana iwe uri kutarisana nemamiriro ezvinhu aya, uye uchizonyorera chikwereti cheErasmus, zvinokurudzirwa kuti utore zvakatevedzana zvemazano izvo zvinonyanya kubatsira kutarisana neiyi nzira pamberi pebhangi. Pasina kupokana, zvinokubatsira iwe kuvandudza mamiriro ekubvumirana, uye kunyangwe pamwe kukusevha maouro mashoma kana uchisaina iko kuita. Kunyanya kana iwe usingazive fomati yekusarudza, kana iwe uine kusahadzika pakati pevamwe vacho.

Kuburikidza nekuongorora kwakadzama kwechipo chakagadzirwa nemabhangi, iwe unozokwanisa kukwidziridza sarudzo yechikwereti chako kuenda kukosi yekutsinhana kwetsika. Ivo vangangove vese vakakosha kwauri kuti ubhadhare mari, asi vashoma chete ndivo vanozogadziridzwa kune yako chaiyo chimiro seye mumhan'ari. Chero bedzi iwe uchichengeta zvinotevera zvinotevera mupfungwa.

1. Decántate neayo mari nzira usabatanidze mari yekuwedzera: makomisheni uye kumwe kubhadharwa kwakatangira mukugadzika kwayo.
2. Sarudza mamodheru akagadzirwa ine yakachinjika nguva yekudzoka, kuitira kuti iwe ugone kuzvigadzirisa zvinoenderana nezvaunoda iwe, uye unogona kuzvibhadhara pasina kunonoka.
3. Unofanira kuziva izvozvo chipo chakasimba kwazvo, umo maunogona kuwana kiredhiti pamwe nekukwikwidzana kwakawanda kwemitero, uye nenzira iyi chengetedza mashoma mauros mukuita kwayo.
4. Usasarudze chikwereti chekutanga chaunopihwa, asi iwe uchafanirwa kutarisa kune akasiyana marongero akagadzirwa kubva kubhengi chikamu kutarisana neaya akakosha mari.
5. Kana iwe wabvumirana zvimwe zvigadzirwa zvebhengi (inishuwarenzi, mari yekudyara, makadhi echikwereti, nezvimwewo), zvingave zvirinani kutaurirana nezvazvo nesangano, nekuti unogona zvirokwazvo kugadzirisa mamiriro avo.
6. Funga kuti zvichave zvakanakira yako kufarira kupedza dzimwe nzira dzisingadhuri dzemari, kuitira kuti nenzira iyi kubvumirana kwavo kuve kwakachipa kwauri, uye kuti zvinonyanya kubva pakubatsira kwepamutemo, uye kunyangwe kubva kuhama dzako chaidzo.
7. Ivo vanozoda zvishoma zvinodiwa yekutenderwa kwayo kupfuura kuburikidza nezvikwereti zvakajairwa, asi chero zvakadaro uchafanirwa kuvimbisa mashandiro, kunyangwe zvichizokanganisa mari yevabereki vako.
8. Usapedze huwandu hwakawanda hwaunopihwa nemabhangi, asi chete iyo iyo iyo yaunonyatsoda kuti upedze yako kudzidziswa, uye ndiyo nzira inoshanda kwazvo yekuita kuti chako kunyorera chibatsire.
9. Zviri nyore kuti iwe uende uchiongorora kupihwa kwakagadzirirwa nemasangano emari kuvhara izvi zvinodiwa, nekuti zvinowedzeredzwa nguva dzese, uye zvibvumirano zvaunofanira kusaina zvinogona kutovandudza.
10. Uye pakupedzisira, zvinokurudzirwa zvikuru kuti iwe urambe uchifunga, izvo Iyo ndeimwe yeanowana mari anotengeswa pasi pemamiriro ekunyorwa akanakisa mubhangi., pamusoro peiyo yekushandisa, zvaunoda, kana kutengwa kwezvinhu zvemidziyo.