Iikhredithi zokwenza inkosi

Yonke into ekufuneka uyazi ukucela imali mboleko yokuxhasa inkosi

Ukugqiba imfundo yaseyunivesithi, inani labafundi abagqiba ekubeni benze isidanga semasters liyanda. Ikwacinga ukuba isiqinisekiso esingaphaya kokumangalisayo kubo sokufumana ukuphuma kobungcali kuyanelisa ngakumbi kwimidla yabo. Le klasi yeekhosi yenye yezona zinto zibalulekileyo zibonelelwa kwicandelo loqeqesho. Kuyo yonke indalo, nokuba kunomahluko omkhulu kwiindleko zayo zoqoqosho. Nangona ixabiso eliqhelekileyo lezi zifundo, ngokweedatha ezivela kwi-Ofisi yoMphathiswa Wezemfundo, imi malunga nee-euro ezingama-6.000Akunzima ukufumana izindululo zemfundo ezigqithe eli nani ngokulula, nokuba zide ziphindwe kathathu.

Umdlalo ophakamileyo abantwana ekufuneka bejongane nawo ukuze babhalise kwenye yezi khosi zokufunda yingxaki enkulu efunyanwa kukufikelela kwabo. Kwiimeko ezininzi bajongana nokonga kwabamangali. Kwabanye, ngabazali babo okanye ezona zalamane zingqalileyo abajongene nokuxhasa ngezimali ezi zifundo. Kwaye hayi kwiimeko ezimbalwa, Abayi kuba nandlela yimbi ngaphandle kokuya komnye wemithombo emininzi yezemali eye yamelwa ngamaziko ezezimali ukuhlawula ezi ndleko..

Kungenxa yokuba, ukuba kukho imveliso ebandakanywe ngokwaneleyo ekunikezelweni kweebhanki, ezo ziikhredithi zeenkosi. Phantse bonke bayabandakanya kwizindululo zabo zenkxaso mali. Kwaye okubaluleke kakhulu, iimeko ezintle kakhulu zokuqesha abafundi. Ngaphandle kokuba iikhredithi ezithambileyo, ziyabandakanya ezinye umdla kukhuphisana kakhulu kunoko kufakwe kwezinye iimfuno zabathengi (iimali mboleko zobuqu, ukusetyenziswa, ukuthengwa kwezinto eziphathekayo, njl. Kwaye ziyaphuhliswa ukuze abaxhamli babo bandise izifundo zabo, kokubini kwizifundo ezenziwa eSpain, nangaphandle kwemida yethu.

Unjani lo mthombo wezemali?

Iikhredithi zesidanga se-master zicinga ngeempawu ezizodwa ekufuneka uzithathele ingqalelo ukuba uza kuyifuna kwiinyanga ezizayo. Akunanto, Bayakulindela isixa esingabalulekanga ukuba kuya kufuneka usibuyise kunye nomdla waso ohambelana naso. Kwaye nangona iyimveliso yasebhankini eguquguqukayo, kufanelekile ukuba uyazi ikhontrakthi oza kuyityikitya. Ewe kunjalo, ukuba unesicwangciso sokunciphisa inkcitho, kwaye uthintele ityala eligqithisileyo ekuchaphazeni ibhalansi yeakhawunti yakho.

Ukusuka kule meko ngokubanzi, uza kufumana indlela ekhethekileyo yezemali. Kuphela ngabafundi baseyunivesithi abaza kuphuhlisa ikhosi yoqeqesho ephezulu abanokwazi ukufikelela kuyo. Iibhanki ziya kukunika ukuya kuthi ga kwi-30.000 ye-euro ukwanelisa ezi mfuno zemfundo. Kwaye apho into yokuqala enqabileyo ngokubhekisele kwezinye iimali mboleko isiza xa uza kuba nethuba, eliphakathi konyaka omnye okanye emibini ubuninzi. Ukuze kwasekuqaleni ungajongana nale mali.

Enye yezona zinto zibalulekileyo kulwenziwo ngokusesikweni yile inento yokwenza nexesha lokuhlawulwa kwayo. Zomelele kunezinye iimodeli, kodwa uya kuba neminyaka emi-5 yokuyibuyisa. Nangona ukuba into oyifunayo kukusebenza ngokukhawuleza, unokuchitha ixesha elincinci kule nkqubo yokuhlala. Ukuba uyayandisa imiqathango, uya kuba nakho ukuhlawula izavenge zenyanga ezithambileyo, nangona ngokuchaseneyo, uya kuyiphuhlisa ixesha elide, kwaye ngenxa yoko intlawulo yokugqibela iya kuba phezulu.

Elinye lamagalelo ekuza kuqeshiswa nguwe yile Ngokwesiqhelo azenziwa ngalo naluphi na uhlobo lwekhomishini (ukuvula, ukufunda, ukucinywa kwangoko, njl.  okanye ezinye iindleko kulawulo lwayo. Ezi mpawu, zixhaphakile kubo bonke, ziya kukuvumela ukuba ugcine ii-euro ezininzi xa usenza ngokusemthethweni ukusebenza kwebhanki. Nangona ulumke kakhulu, kuba nakuphi na ukungathobeli intlawulo kunokubandakanya izohlwayo ezinzima oya kuthi ujongane nazo kubudlelwane bakho nequmrhu elikhuphayo lemveliso efunekayo.

Inzala esezantsi yeenkosi

Zizinto zentengo ezithengiswayo ezinomdla ongcono

Inqaku elibaluleke kakhulu lifika, mhlawumbi elilelona liphembelelayo ukuba uthembele kwesona sicelo sihle. Ayikho enye ngaphandle kwexabiso lenzala eliya kuhlawuliswa kwimfuno yale mveliso. Ewe, ungathandabuzi ukuba uya kujongana nenye yezona zinto ziluncedo kwezemali kwimidla yakho. Zikhula ngaphakathi kuluhlu oluhamba phakathi kwe-6% kunye ne-8%, Kwaye unokuyifumana ngexabiso eliphantsi ukuba udibana neemeko ezithile eziya kumiselwa ziibhanki.

Njengoko iyimveliso enamandla kakhulu, eqhubeka ihlaziywa ukuze ivumelane neemfuno zabathengi, kubandakanya Zide zibandakanye nethuba lokuba uyibuyise emva kokuba ufunde inkosi. Ayothusi into yokuba amanye amaziko ezemali abandakanya eli gatya kwisivumelwano, kwaye kunokuba luncedo kakhulu kwimidla yakho, kuxhomekeke kwiprofayili yomthengi oyivelisayo. Elinye icebo elisetyenzisiweyo kukukwazi ukwenza izitolimende zenyanga ezili-14 ngonyaka njengefomula yokuzihlawula ngokukhawuleza.

Ibango kwimfuno yakho

Ibango lokuba iibhanki ziya kucela imvume yabo

Nangona kunjalo, kwaye indawo yamaziko abakunika wona ukufikelela kwezi zixa-mali, kuya kufuneka uzalisekise uthotho lweemfuno ukuze ube nexabiso labo kwiakhawunti yokujonga. Kwindawo yokuqala, kuya kufuneka ubonakalise ukubhaliswa kwenkosi, kuba ukuba iyakwenza oko, awuyi kuba nanto yakwenza nemfuno. Emva koko uphendule ngezemali ngokusebenza. Ewe ngengeniso yakho yesiqhelo (into engaqhelekanga kwezi meko), okanye ngokukhethekileyo nge-guarantor, onokuba ngabazali bakho, okanye isihlobo ngqo.

Ukuba uyazifezekisa ezi mfuno, uya kubanakho ukuyinikwa imali-mboleko. Ngenkqubo ayinzima kakhulu, enokuhlala iiveki ezimbalwa. Kwaye njengenqaku lokugqibela, yiba nemali efunekayo kwiakhawunti yakho yokutshekisha. Kwelinye icala, ayifanelanga ukuba ivela kwiziko elikunike lona. Oko kukuthi, awuyi kufuna ukutshintsha iibhanki.

Ngoku kuya kufuneka uthobele imiqathango ekuvunyelwene ngayo ngawo omabini amaqela, kwaye ugcwalise intlawulo inyanga nenyanga. Ngokuhlawula amatyala phantsi kwesixa-mali osinikiweyo kunye nemidla yaso ehambelana nayo. Kwaye kangangeminyaka emininzi njengoko ukhethe kwisicelo sebhanki. Kwaye ukusukela ngalo mzuzu uye phambili, uya kuba uzigubungele iindleko eziza kubandakanya ukugqitywa kwezi khosi.

Iikhredithi onokuzisebenzisa

Iikhredithi ezinikezelwa ziibhanki

Nje ukuba ubone ezona mpawu ziphambili zeemveliso zebhanki, kuya kufuneka uthathe isigqibo kwimodeli elungele iimeko zakho njengomthengi. Ukusuka kukhetho olubanzi kuzo, olwenziwe phantsi kweempawu ezifanayo phakathi kwazo zonke. Kwaye apho mhlawumbi inkcaza encinci (okanye umahluko) yeyiphi eya kukuthambekisela enye yeemodeli eziziswe zizinto.

Ngaphakathi kunikezelo lwangoku lweebhanki unokuninzi onokukhetha kuzo, kuyilo olwenziweyo ngononophelo ukuze ukwazi ukuhlawula iindleko eziza kubandakanya inqanaba elitsha lemfundo. Esinye sezindululo sesisa ngokuchanekileyo sisuka kwi-Kutxabank. Ukhuthaze imali mboleko yezi mpawu zikunika ukuya kwi-60.000 euro. Igalelo lawo eliphambili lilele kwinto yokuba uya kuba nexesha lobabalo ukuya kuthi ga kwiminyaka emibini ekuqaleni, Elona xesha liphezulu lokubuya kwayo elifikelela kwiminyaka esi-8.

Ngaphantsi kweendlela ezifanayo, imali mboleko eveliswe yi-BBVA iyavela, kodwa ngeli xesha ikunika ithuba lokwandisa ukuhlawulwa kwayo ukuya kwiminyaka eli-10. I-18.000 ye-euro sisixa esikunikwa yi-Ibercaja sokugubungela iindleko zenkosi, kunye nokuphakamisa ixesha lobabalo ukuya kwiminyaka emithathu njengomda ophakamileyo. Olunye uhlobo olutsha olunikwa yile ndlela yezemali yile Unokhetho lokukhetha inqanaba lenzala olifunayo, nokuba lixesha elimiselweyo okanye eliguqukayo, ngokungacacanga. Nangona kuya kufuneka uthathe ikhomishini yokuvula eyi-1,25%, eya kuthi ekugqibeleni isenze isicelo sibize kakhulu.

Elinye lamagunya athe anceda olu hlobo lwekhredithi kwisibonelelo sabo nguBanco Sabadell. Ngexabiso eliphezulu le-euro ezingama-45.000, kwaye ithengiswa phantsi kwenqanaba lenzala le-7%. Uya kuba neminyaka eli-10 yokuhlawula umsebenzi, kwaye nakwisindululo sangaphambili, ngekhomishini yemali efanayo.

Ngaphandle kwayo nayiphi na ikhomishini, imali-mboleko eyenziwe yi-Unicaja nayo iyaphuhliswa, enika abafundi isibonelelo soqoqosho esifikelela kwi-18.000 euro. Ngenzuzo, kwelinye icala, uya kuba nakho ukuyiphelisa ngokukhawuleza, kwiminyaka emi-5. Izindululo zokugqibela zivela eBanco Popular, Ukuyithengisa ngenzala ye-7,4%, nangexesha lobabalo leminyaka emibini. Ukubuyisa baya kufaka ikhomishini yokuvula ye-1%.

Uyifumana njani imali-mboleko ngezona meko zibalaseleyo?

  1. Ukukhetha indlela yezemali ephethe eyona nzala ikhuphisanayo kwintengiso, kwaye ukuba kunokwenzeka, ayidluli kwi-7%.
  2. Yenziwe ngaphandle kwalo naluphi na uhlobo lweekhomishini okanye inkcitho eyongezelelweyo, ukuze ungabi nakucinga ukwanda okukhulu kwintlawulo yokugqibela oya kuthi ujongane nayo ngenxa yesivumelwano sayo.
  3. Siyakwamkela kwabanye unyuselo olukhuthaza ezinye iibhonasi ukuba wenze isivumelwano nezinye iimveliso zebhanki kunye nequmrhu lakho.
  4. Ukubandakanywa kwexesha lobabalo, phakathi kwe-1 kunye ne-2 iminyaka, inokuba sisicwangciso-qhinga esihle sokujongana nezi ndleko, ngakumbi ekuqaleni kokuqesha kwakho.
  5. Ungathatha ithuba lobuninzi beemodeli, ukuze ukhethe eyona iluncedo kakhulu kwiminqweno yakho.
  6. Ukuba uneengxaki zokuyibuyisa, ungakhathazeki, kuba unamajelo athile enkxaso mali ungazibuyisa kamva, xa sele ufundile ikhosi yoqeqesho.
  7. Kwaye okokugqibela, uyakuhlala unoncedo lwe gqibezela ezinye iindlela ezinganabisiyo zenkxaso-mali onokufikelela kuzo: iikhredithi phakathi kwezihlobo, abantu, njl.

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