Iimali-mboleko zika-Erasmus, ungazifumana njani?

Ukutshintshiselana ngokwenkcubeko phakathi kwabantu abancinci baseSpain kuya kusiba rhoqo. Inxalenye yoqeqesho lwabo kwizifundo, kwaye ngenxa yoko bagqiba kwelokuba bachithe iintsuku ezimbalwa- kunye nabanye abantu abaneempawu ezifanayo, kodwa bobuzwe obahlukeneyo-kwezinye iindawo ezingaphandle kwendawo abaya kuyo: eMilan, eParis, eBrussels, eVienna, eAmsterdam. … Kodwa ke, eyona ngxaki inkulu ekufuneka benayo kukuqala ngenkcubeko kukuba baya kuyifumana ngezemali: iihambo, ukuhlala, ukutya, njl. Kwaye ngesiqhelo, Abayi kuba nasinye isisombululo ngaphandle kokubhenela kolunye lwemali mboleko ethengiswa ziibhanki ukuhlangabezana nale mfuno yabafundi.

Isixa sokwamkela lo mceli mngeni ngokwenkcubeko sinokuvela konga kwakho, okanye ngokubanzi ngokubanzi ngoncedo lwezemali oluza kuvela kubazali bakho, abaya kuba ngabo abaya kuthi ekugqibeleni babe noxanduva lokuhlawulela olu tshintsho lwenkcubeko. Kodwa ukuba akunjalo, akusayi kubakho khetho ngaphandle kokuya kwisebe elikufutshane lebhanki kwaye ucele indlela yokuxhasa ngemali ukuhlangabezana neendleko ezichaphazelekayo kolu hambo lwenkcubeko. Ayisiyiyo kuphela yokuhamba, kodwa kunye nokuhlala kunye nokugcinwa kwabantwana. Kwaye mhlawumbi nokwandiswa koqeqesho kumazwe apho uphuhlisa khona utshintsho lwenkcubeko.

Ukujongana nale meko inikwe abantu abancinci baseSpain, Inxalenye elungileyo yeebhanki yenze iimali mboleko ezithile ezenzelwe ukuxhasa ezi ndleko. Zibizwa ngokuba zii-Erasmus Loans, ezifakwe ngokusisigxina kubume beebhanki ngoku. Kwaye phantsi kweemeko ezithandekayo kwimidla yakho. Ayisiyiyo kuphela imeko yeekhontrakthi zayo, kodwa nangenxa yemilinganiselo yenzala esebenzayo, inokhuphiswano ngakumbi kunakwimali yemveli.

Banikezela ukuya kwi-15.000 euro

Ukumiselwa ngokusesikweni kuya kukukhuthaza ukuba uhlawule kancinci kubo, ngokunxulumene nemali mboleko yokuthenga imoto, okanye ukuchitha iholide elandelayo kunye nabahlobo bakho. Iya kuba malunga ne-6%, kwaye ngokubanzi ngaphandle kwekhomishini okanye ezinye iindleko zolawulo ezenza ixabiso lokugqibela lebango lakho libize kakhulu. Iya kuba sisindululo esingenakubuyiselwa endaweni ukuba iminqweno yakho kukuzimasa ukutshintshiselana ngenkcubeko, kunye nabanye abantu abatsha abaneengxaki ezifanayo nezakho, kwiinyanga ezizayo. Unokukhetha kuluhlu olubanzi lwezindululo, nangona zifana kakhulu kuzo zonke. Kwaye apho nayiphi na inkcukacha, nokuba incinci kangakanani, iya kuthatha isigqibo sokuba ubhalise.

Bayakunika ukuya kuthi ga kwi-15.000 ye-euro, ukwenza intlawulo ezakufunyanwa ngokuhlala kwakho kwenye indawo engaphandle kosapho lwakho. Ngexesha lokuhlawula ngokukhawuleza kunesiqhelo, eya kukuthatha ukuba uyibuyise ngaphezulu kweminyaka emi-2, nokuba uvale umsebenzi kwiinyanga ezimbalwa. Ukubala, kuninzi lwezinto ezenziwa ngamaziko ezezimali, kunye nexesha lokuqala lokuxolelwa (ukuya kuthi ga kwiinyanga ezintandathu) ukuze ukwazi ukuhlawula ngcono izavenge zenyanga ozihlawula ebhankini ukuze uboleke imali mboleko.

Injani le mali-mboleko?

Le ndlela yenkxaso mali inyuselwa ziibhanki Iphawuleka kuba inenjongo ethe ngqo, engeyiyo enye ngaphandle kokuxhasa ngemali utshintshiselwano lwenkcubeko. Nayiphi na enye imfuno onayo ayizukuqwalaselwa kwimvumelwano yayo phantsi kwawo nawuphi na umba, kwaye kuya kufuneka ubhenele kwezinye iimali-mboleko ezenziwayo kwibhanki yangoku. Kananjalo iya kuba kukusebenza-ngaphandle kokucela iimfuno ezimbalwa-oko kuya kufuna ukuvunywa ngabazali bakho. Ukuba uyayithobela le nto, uya kuyifumana ngokukhawuleza kwiakhawunti yakho yokutshekisha, kungekho ngaphezulu kweentsuku ezi-5 okanye ezisi-7 kwisicelo sakho.

Ngayiphi na imeko, awuyi kuba neebhonasi njengoko usenza nemfuno yezinye iimali-mboleko. Ngale ndlela, zihlala zivaliwe kwaye azivulelekanga ngqo kwi-payroll, okanye nakwiirisithi zasekhaya. Kwelinye icala, banobhetyebhetye ngakumbi ukuxhasa iindleko ezifumaneka kulwandiso lwezifundo zakho. Nokuba ungathenga iincwadi, izixhobo zokufundisa okanye ezinye izixhobo zemfundo.

Unokwenza ukuhlawulwa kwangoko kwangoko, kodwa kuya kulungeleka ukuba ufunde ukuprinta okuhle kwesivumelwano, kuba kusenokwenzeka ukuba kubandakanya isohlwayo ngeekhomishini ezinzima (ezijikeleze iipesenti ezi-2) zalo msebenzi. Ukuba awufuni ukuba le yenzeke, Kuya kucetyiswa ukuba uhlengahlengise ixesha lokubuyela kwiimfuno zakho zobuqu. Kuya kucetyiswa ukuba ujonge ikhontrakthi ukubona ukuba kuya kufuneka uhlawule naziphi na iikhomishini zayo (ukuvula, ukufunda, ukurhoxisa kwangoko, njl. Nangona into eqhelekileyo kulungiselelo lwabo kukuba baxolelwe kubo.

Eyona mboleko ibalaseleyo ekubonelelwa ziibhanki

Ujongene nesidingo sokufaka isicelo sale mali mboleko, awuyi kuba nangxaki kuba isithembiso esichazwe kumaziko emali sikhulu kakhulu. Ngezindululo ezahlukeneyo eziza kuba zilungele wena ukuba uziqwalasele ngokweenkcukacha ukujonga ukuba yeyiphi efanelekileyo efanelekileyo kwiprofayili yakho njengokufuna oku kudidi lweemveliso zenkxaso-mali yomncinci.

Ukusuka kule meko, isindululo esenziwe yiBBVA kuwe phantsi kweBlue Erasmoo Loan ibonakala. Ngumthombo wemali ekunika ubuninzi be-euro ezingama-6.000, kwaye nxalenye leyo Ithuba lobabalo lilonke lenqununu kunye nomdla ofikelela kwiminyaka emi-2. I-Kutxabank ikwabonelela ngezemali kolu didi, ngesixa esilinganayo, nesithi kule meko siboniswe yinto yokuba iyahambelana nayo yonke imali-mboleko esele ikho yokufunda, iifizi….

I-Openbank, kwelinye icala, yenze ukuba i-Erasmus Loan ibonelele, ngeli xesha ibonelela ngezixhobo ezinkulu zemali ukuze abafundi baseyunivesithi bakwazi ukwenza lo msebenzi ngokulula. Inika abafaki-zicelo bayo ukuya kuthi ga kwi-18.000 euro, ukufaka inqanaba lenzala le-8,00% ngegama, kodwa ikhululwe ngokupheleleyo kwiikomishini nakwezinye iindleko kulawulo lwayo.

Zonke ezi zindululo zilawulwa ziimfuno ezifanayo, apho kuya kufuneka banike ikhosi abaza kuya kuyo, nalapho banokuqinisekisa khona ngokusebenza kweebhanki, nokuba kukodwa, okanye ngengeniso yabazali. Zenzelwe abafundi abangaphantsi kwe-30 abanqwenela ukuxhasa ngemali ezi ndleko.

Kwaye njengomphelelisi kwesi sibonelelo, kuhlala kusisixhobo sokuya kwizindululo ezona zinto ziphambili zebhanki bezisenza ikakhulu. Ngokufanelekileyo, mboleko (generic), ejolise ekwandiseni izifundo zaseyunivesithi, iinkosi, izifundo zesidanga sokuqala, okanye ukuya phesheya, phakathi kwabanye. Kwaye kuzo zonke iimeko ziyathengiswa phantsi kweemeko ezifanayo zesivumelwano, ngenzala ngaphezulu kwe-7%, kwaye ngaphandle kokubandakanya iikhomishini okanye izohlwayo.

Ukuba ufuna ukuhlalutya esi sibonelelo sebhanki, kuya kufuneka ubhenele kumasebe olutsha ukuba amaziko kufuneka anelise iimfuno zabathengi ezivela kwicandelo lolutsha labemi baseSpain. Nokuba uphakanyisiwe ngamanye amaxesha unokuhlisa inzala yakho. Nditsho nohambo lotshintshiselwano ngaphandle kukaErasmus, kunye nokugubungela inani elikhulu labathengi, ngaphandle kokukhutshelwa ngaphandle ngenxa yokhetho lwabo.

Iingcebiso ezilishumi zokubaqesha

Kwimeko apho ujongene nale meko, kwaye uza kuyirhumela imali-mboleko ka-Erasmus, kungaphezulu kokucebisa ukuba wamkele uthotho lweengcebiso eziya kuba luncedo kakhulu ukujongana nale nkqubo phambi kwebhanki. Ngaphandle kwamathandabuzo, iyakukunceda ukuba uphucule iimeko zesivumelwano, kwaye mhlawumbi ikongele i-euro ezimbalwa xa usayina umsebenzi. Ngokukodwa xa ungazi ukuba yeyiphi ifomathi oza kuyikhetha, okanye unamathandabuzo phakathi kwezinye zazo.

Uhlalutyo oluneenkcukacha lwesithembiso esenziwe ziibhanki, uya kuba nakho ukwandisa ukhetho lwemali mboleko yakho ukuya kwikhosi yokutshintshiselana ngenkcubeko. Zonke ziya kuba kufanelekile kuwe ukuhlawula iindleko, kodwa zimbalwa kuphela eziya kulungelelaniswa neprofayili yakho njengommangali. Logama ugcina oku kulandelayo engqondweni.

1. Ukuchazwa kwezi ndlela zokuxhasa imali sukubandakanya iindleko ezongezelelweyo: iikhomishini kunye nolunye uhlobo lwentlawulo luqale ngokusesikweni.
2. Khetha iimodeli eziphuhlisiweyo kunye namaxesha okubuya abhetyebhetye, ukuze ukwazi ukuziqhelanisa neemfuno zakho, kwaye ungazihlawula ngaphandle kokulibazisa.
3. Kufuneka uyazi loo nto sisibonelelo esinamandla kakhulu, apho unokufumana iikhredithi ngamazinga enzala okhuphiswano ngakumbi, kwaye ngale ndlela ugcine ii-euro ezimbalwa kulwenziwo lwayo.
4. Musa ukukhetha imali-mboleko yokuqala oyinikiweyoEndaweni yoko, kuya kufuneka uthathele ingqalelo kwizindululo ezahlukeneyo eziye zaphuhliswa zivela kwicandelo lebhanki ukujongana nezi ndleko zikhethekileyo.
5. Ukuba wenze isivumelwano nezinye iimveliso zebhanki (i-inshurensi, imali yotyalo-mali, amakhadi etyala, njl.njl.), Kungangcono ukuba uthethathethane ngqo neziko, kuba ngokuqinisekileyo ungaziphucula iimeko zabo.
6. Cinga ukuba kuya kulunge ngakumbi kwiifayile zakho inzala yokuphelisa ezinye iindlela ezingabizi mali, ukuze ngale ndlela umnyinyiva wayo ube lixabiso eliphantsi, kwaye ikakhulu uza kuvela kuncedo olusemthethweni, kwanakwizalamane zakho.
7. Baya kufuna iimfuno ezimbalwa ngenxa yokunikwa umnyinyiva kunokuba uboleke imali eqhelekileyo, kodwa kuyo nayiphi na imeko kuya kufuneka uqinisekise ngokusebenza, nokuba uza kudla umvuzo wabazali bakho.
8. Sukuchitha isixa esona siphezulu osinikwe ziibhanki, kodwa kuphela sisixa osidingayo ukuze ugqibezele uqeqesho lwakho, kwaye yeyona ndlela isebenzayo yokwenza isicelo sakho sinenzuzo.
9. Kuya kufuneka uphonononge umnikelo olungiselelwe ngamaziko emali ukukhawulela ezi mfuno, kuba zihlaziywa rhoqo, kwaye iikhontrakthi ekufuneka uzityikityile zinokuphucula.
10. Kwaye okokugqibela, kuyacetyiswa ukuba ugcine engqondweni, ukuba Ngomnye wemithombo yenkxaso-mali ethengiswayo phantsi kweemeko ezibhalwe phantsi kwishishini lokugcina imali., ngaphezulu kunokusetyenziselwa, iimfuno zomntu, okanye ukuthengwa kwezinto eziphathekayo.