Imalimboleko ka-Erasmus, ungayithola kanjani?

Ukuhwebelana ngamasiko phakathi kwabaseSpain abasebasha kuyanda. Kuyingxenye yokuqeqeshwa kwabo kwezemfundo, futhi ngenxa yalokho banquma ukuchitha izinsuku ezimbalwa - kanye nabanye abantu abanezici ezifanayo, kodwa bezobuzwe obuhlukile - kwezinye izindawo ezingaphandle kwalapho beya khona: iMilan, iParis, iBrussels, iVienna, ne-Amsterdam … Kodwa-ke, inkinga enkulu abanayo ukuqala lo msebenzi wamasiko ukuthi kuzofanele bawuxhase ngezimali: uhambo, ukuhlala, ukudla, njll. Futhi ngokuvamile, Ngeke babe nesinye isixazululo ngaphandle kokuya kwesinye sezimalimboleko eziningi ezithengiswa amabhange ukuhlangabezana nalesi sidingo sabafundi.

Inani lokwamukela le nselelo yesiko lingavela kulondolozo lwakho, noma ngokwengeziwe ngosizo lwezezimali oluzoqhamuka kubazali bakho, okuzoba yibo abazogcina bephethe ukukhokhela lezi zingxoxo zamasiko. Kepha uma kungenjalo, ngeke kube khona okunye ongakwenza ngaphandle kokuya egatsheni lebhange eliseduzane uyocela indlela yokuxhasa ngezimali ukubhekana nezindleko ezibandakanyeka kulolu hambo lwamasiko. Hhayi ukuvakasha kuphela, kodwa futhi nendawo yokuhlala nokunakekelwa kwezingane. Futhi mhlawumbe nokunwetshwa koqeqesho emazweni lapho uthuthukisa khona ukushintshaniswa kwamasiko.

Ebhekene nalesi simo esinikezwe abaseSpain abasebasha, Ingxenye enhle yamabhange yenze imalimboleko eqonde ngqo ehlose ukukhokhela lezi zindleko. Yilawo abizwa ngokuthi yi-Erasmus Loans, afakwe unomphela endaweni yamanje yamabhange. Futhi ngaphansi kwezimo ezinhle kakhulu zezintshisekelo zakho. Hhayi kuphela ngenxa yezimo zayo zenkontileka, kepha futhi nangenxa yamanani wenzalo asebenzayo, ancintisana kakhulu kunasezimalini zendabuko.

Banikela ngama-euro angama-15.000

Ukwenza kwabo ngokusemthethweni kuzokukhuthaza ukuthi ubakhokhele imali encane, maqondana nemalimboleko yokuthenga imoto, noma ukuchitha iholide elilandelayo nabangane bakho. Kuzoba cishe yi-6%, futhi ngokuvamile ngaphandle kwamakhomishini noma ezinye izindleko zokuphatha ezenza inani lokugcina lesidingo sakho libize kakhulu. Kuzoba yisiphakamiso esingenakuphikiswa uma izifiso zakho kungukushintshana ngamasiko, kanye nabanye abantu abasha abanezinkinga ezifanayo nezakho, ezinyangeni ezizayo. Ungakhetha kusuka kuziphakamiso ezahlukahlukene, yize zifana kakhulu phakathi kwazo zonke. Futhi lapho noma imiphi imininingwane, yize incane, izothatha isinqumo sokuthi ubhalise.

Bakunikeza cishe ama-euro ayi-15.000, ukwenza izinkokhelo ezizovela ngokuhlala kwakho kwenye indawo ngaphandle kwemvelo yomndeni wakho. Ngenkathi yokukhokha esheshayo kunokujwayelekile, okuzokuthatha ukuthi uyibuyise kungapheli iminyaka emi-2, ngisho nokuvala ukusebenza ezinyangeni ezimbalwa. Ukubala, kokunikezwayo okuningi okulethwa yizikhungo zezezimali, nesikhathi sokuqala somusa (esifinyelela ezinyangeni eziyisithupha) ukuze ukwazi ukukhokha kangcono izitolimende zenyanga zonke ozikhokhela ibhange ngokunikeza imali mboleko.

Zinjani lezi mboleko?

Lo mzila othize wezimali okhuthazwa ngamabhange Kubonakala ngoba kunenhloso ethile, okungeyona enye ngaphandle kokuxhasa ukuhwebelana ngamasiko. Noma isiphi esinye isidingo onaso ngeke sicatshangelwe ekunikezelweni kwaso ngaphansi kwanoma yisiphi isici, futhi kuzofanele ubhekise kwezinye izimalimboleko ezinikezwe ukunikezwa kwebhange njengamanje. Futhi, kuzoba ukusebenza - yize ucela izidingo ezimbalwa - lokho kuzodinga ukuthi kuvunywe ngabazali bakho. Uma uhambisana nalokhu, uzoba nakho ngokushesha kwi-akhawunti yakho yokuhlola, kungapheli izinsuku ezi-5 noma eziyi-7 usufikile esicelweni sakho.

Kunoma ikuphi, ngeke ube namabhonasi njengoba wenza ngesidingo sezinye izimali mboleko. Ngalo mqondo, zivaliwe ngokuvamile futhi azivulelekanga ekuqondiseni imali ekhokhwayo yamaholo, noma ngisho namarisidi asekhaya. Ngakolunye uhlangothi, ziguquguquka kalula ukuxhasa izindleko ezitholakala ekwandisweni kwezifundo zakho. Ngisho nokuthenga izincwadi, izinto zokufundisa noma ezinye izinto ezifundiswayo.

Ungenza ukuhlawuliswa kwangaphambi kwesikhathi okufanayo, kepha kuzoba lula ukuthi ufunde ukuphrinta okuhle kwenkontileka, ngoba kungenzeka kufaka inhlawulo enamakhomishini asindayo (azungeze u-2%) walokhu kusebenza. Uma ungafuni lokhu kwenzeke, Kuzonconywa ukuthi uguqule isikhathi sokubuyisa nezidingo zakho. Kungakuhle futhi ukuthi ubheke inkontileka ukubona ukuthi ngabe kufanele ukhokhe noma yimaphi amakhomishini ayo (ukuvula, ukutadisha, ukukhansela kusenesikhathi, njll.). Yize into ejwayelekile ekuzilungiseleleni kwabo ukuthi bakhululiwe kubo.

Izimalimboleko ezinhle kakhulu amabhange akunikeza zona

Uma ubhekene nesidingo sokufaka isicelo esisodwa sale mali mboleko, ngeke ube nankinga ngoba okunikezwayo okuboniswe ezikhungweni zezezimali kubanzi kakhulu. Ngeziphakamiso ezahlukahlukene ezizoba lula ukuthi uzibuyekeze ngokuningiliziwe ukubheka ukuthi iyiphi elingana kahle nephrofayili yakho njengokufuna kwalesi sigaba semikhiqizo ukuxhasa omncane.

Kulesi simo, isiphakamiso esenziwa yi-BBVA kuwe ngaphansi kwe-Blue Erasmoo Loan sigqamile. Kungumthombo wezezimali onikeza inani eliphakeme lama-euro angama-6.000, naleyo ngxenye ye- isikhathi somusa esiphelele senhloko nenzalo esifinyelela eminyakeni engu-2. I-Kutxabank ibuye ihlinzeke ngezimali kulesi sigaba, ngenani elifanayo, futhi kulokhu okubonakala ngeqiniso lokuthi iyahambisana nazo zonke ezinye izimali mboleko ezikhona zokufunda, izimali….

I-Openbank, ngakolunye uhlangothi, inike amandla i-Erasmus Loan ekunikezeni kwayo, okunikeza izinsiza ezinkulu zezezimali ukuze abafundi baseyunivesithi bakwazi ukuthuthukisa lo msebenzi ngokukhululeka okukhulu. Inikeza abafakizicelo bayo ama-euro angama-18.000, besebenzisa inani lenzalo ka-8,00% ngegama, kodwa ikhululwe ngokuphelele kumakhomishini nakwezinye izindleko ekuphathweni kwayo.

Zonke lezi ziphakamiso zilawulwa yizidingo ezifanayo, lapho kuzofanele zinikeze inkambo abazoya kuyo, futhi lapho bangaqinisekisa khona ukusebenza kwebhange, kungaba mathupha, noma ngomholo wabazali babo. Futhi zenzelwe abafundi abangaphansi kweminyaka engama-30 abafisa ukukhokhela lezi zindleko.

Futhi njengomphelelisi kulokhu kunikezwa, kuhlale kuyinsizakusebenza ukuya kuziphakamiso izinkampani ezinkulu zebhange ebezizenza ingxenye enkulu. Okungukuthi, imali mboleko (ejwayelekile), ehlose ukwandisa izifundo zaseyunivesithi, amakhosi, izifundo ze-postgraduate, noma ukuya phesheya, phakathi kwabanye. Futhi kuzo zonke izimo athengiswa ngaphansi kwezimo ezifanayo zenkontileka, ngenzalo engaphezu kwe-7%, futhi ngaphandle kokufaka amakhomishini noma izinhlawulo.

Uma ufuna ukuhlaziya lokhu kunikezwa kwamabhange, kuzodingeka ukuthi ubhekise eminyangweni yentsha leyo mabhizinisi okufanele anelise izidingo zamakhasimende ezivela emkhakheni wentsha wabantu baseSpain. Noma ukwenyuswa ngezikhathi ezithile okunganciphisa isilinganiso sakho senzalo. Ngisho nohambo lokushintshanisa ngaphandle kuka-Erasmus, nokumboza inani elikhulu lamakhasimende, ngaphandle kokukhishwa ngenxa yokukhethwa kwabo.

Amathiphu ayishumi okubaqasha

Uma kwenzeka ubhekene nalesi simo, futhi uzobhalisela i-Erasmus Loan, kungakuhle kakhulu ukuthi wamukele uchungechunge lwezincomo ezizosiza kakhulu ukubhekana nale nqubo ngaphambi kwebhange. Ngaphandle kokungabaza, kuzokusiza ukuthi uthuthukise izimo zenkontileka, futhi mhlawumbe nokukusindisa ngama-euro ambalwa lapho usayina lo msebenzi. Ikakhulu lapho ungazi ukuthi iyiphi ifomethi ongayikhetha, noma unokungabaza phakathi kwezinye zazo.

Ngokuhlaziywa okuningiliziwe kokunikezwa okwenziwe ngamabhange, uzokwazi ukwandisa ukukhethwa kwemali mboleko yakho ukuze uye esifundweni sokushintshana ngamasiko. Cishe konke kuzofanele kuwe ukukhokhela izindleko, kepha zimbalwa kuphela ezizoshintshelwa kuphrofayela yakho ethile njengommangali. Inqobo nje uma ugcina lokhu okulandelayo engqondweni.

1. Yenza isinqumo ngalezo ziteshi zokuxhasa imali ungafaki izindleko ezingeziwe: amakhomishini nokunye ukukhokhelwa kuqhamuke ekwenziweni kwawo ngokusemthethweni.
2. Khetha amamodeli athuthukisiwe ngezikhathi eziguqukayo zokubuya, ukuze ukwazi ukuzivumelanisa nezidingo zakho, futhi ungazikhokha ngaphandle kokulibala.
3. Kufanele ukwazi lokho kungumnikelo onamandla kakhulu, lapho ungathola khona amakhredithi ngamanani wenzalo anokuncintisana, futhi ngale ndlela ugcine ama-euro ambalwa ekwenzeni kwawo ngokusemthethweni.
4. Ungakhethi imali mboleko yokuqala oyinikezweEsikhundleni salokho kuzofanele ubhekele iziphakamiso ezahlukahlukene ezakhiwe umkhakha wamabhange ukubhekana nalezi zindleko ezikhethekile.
5. Uma unenkontileka neminye imikhiqizo yasebhange (umshwalense, izimali zokutshala imali, amakhadi wesikweletu, njll.), Kuzoba ngcono ukuthi uxoxisane ngqo nebhizinisi, ngoba nakanjani ungazithuthukisa izimo zabo.
6. Cabanga ukuthi kuzoba kuhle kakhulu ku- inzalo iqeda ezinye iziteshi ezingabizi kakhulu zokuxhasa imali, ukuze ngale ndlela imvume yayo ibe eshibhile kuwe, nokuthi izovela kakhulu osizweni olusemthethweni, ngisho nasezihlotsheni zakho.
7. Bazofuna izidingo ezimbalwa ngemvume yayo kunangemali mboleko ejwayelekile, kepha noma kunjalo kuzodingeka uqinisekise ukusebenza, noma ngabe kulimaza iholo labazali bakho.
8. Ungayisebenzisi yonke imali enikezwa amabhange, kepha yimali oyidinga ngempela ukuqedela ukuqeqeshwa kwakho, futhi leyo yindlela ephumelela kunazo zonke yokwenza uhlelo lwakho lokusebenza luzuze.
9. Kufanele ubuyekeze ukunikezwa okulungiselelwe izikhungo zezezimali ukumboza lezi zidingo, ngoba zivuselelwa njalo, futhi izinkontileka okufanele uzisayine zingaze zithuthuke.
10. Futhi ekugcineni, kunconywa kakhulu ukuthi ugcine engqondweni, lokho Ungomunye wemithombo yezimali emakethwa ngaphansi kwezimo ezibhalwe phansi kakhulu emkhakheni wamabhange., ngenhla kwalokho ukusetshenziswa, izidingo zomuntu siqu, noma ukuthengwa kwezinto ezibonakalayo.