Ukuze uqedele imfundo yaseyunivesithi, liyanda inani labafundi abathatha isinqumo sokwenza iziqu zemasters. Ibuye icabangele isiqinisekiso esingaphezu kwesimangazayo kubo sokuthola ukuphuma kochwepheshe okwenelisa kakhulu izintshisekelo zabo. Leli klasi lezifundo linokunye ukunikela okuphawuleka kakhulu esigabeni sokuqeqesha. Kuyo yonke imvelo, futhi nangomehluko omkhulu ezindlekweni zayo zezomnotho. Yize intengo emaphakathi yalezi zifundo, ngokusho kwedatha evela eMnyangweni Wezemfundo, itholakala cishe ema-euro ayi-6.000Akunzima ukuthola iziphakamiso zemfundo ezidlula lesi sibalo kalula, ngisho nokuziphindaphinda kathathu.
Ukukhishwa okuphezulu okufanele izingane zibhekane nakho ukuze zibhalise kwesinye salezi zifundo ezikhethekile kungukuphazamiseka okukhulu okutholwa ukufinyelela kwazo. Ezimweni eziningi babhekana nokonga kwabamangali. Kwabanye, ngabazali babo noma izihlobo eziqonde ngqo eziphethe ukuxhasa lezi zifundo ngezimali. Futhi hhayi ezimweni ezimbalwa, Ngeke babe nenye into abangayenza ngaphandle kokuya komunye wemithombo eminingi yezimali izikhungo zezezimali ezikunikezile ukukhokhela lezi zindleko..
Ngoba empeleni, uma kukhona umkhiqizo ofakwe ngokwanele ekunikezelweni kwamabhange, lokho kuyizikweletu zamakhosi. Cishe bonke bayabafaka kuziphakamiso zabo zezimali. Futhi okubaluleke kakhulu, ngezimo ezinhle kakhulu zokuqasha abafundi. Ngaphandle kokuba amakhredithi athambile, ayabandakanya amanye izithakazelo kuncintisana kakhulu kunalokho okusetshenziswe kwezinye izidingo zamakhasimende (imalimboleko yomuntu siqu, ukusetshenziswa, ukuthengwa kwezinto ezibonakalayo, njll.). Futhi lokho kuthuthukiswa ukuze abazuzi babo bandise izifundo zabo, zombili ezifundweni ezenziwa eSpain, nangaphandle kwemingcele yethu.
Ngabe lo mthombo wezezimali unjani?
Amakhredithi eziqu ze-master acabanga ngezici ezithile ezikhetheke kakhulu okufanele uzicabangele uma uzozifuna ezinyangeni ezizayo. Hhayi ngeze, Bazolindela inani elingabalulekile ukuthi kuzodingeka ulibuyise nezintshisekelo zalo ezihambisanayo. Futhi yize kungumkhiqizo webhange oguquguqukayo, kulula ukuthi wazi inkontileka ozoyisayina. Futhi-ke, uma unesu lokunciphisa izindleko, futhi uvimbele isikweletu esiningi ngokweqile ekuthinteni ibhalansi ye-akhawunti yakho yokuhlola.
Ukusuka kulesi simo esivamile, uzothola umzila othile wezezimali. Abafundi basenyuvesi kuphela abazokwenza izifundo zokuthuthuka ezisezingeni eliphakeme abazokwazi ukuyithola. Amabhange azokunikela ngemali efinyelela kuma-30.000 euros ukuhlangabezana nalezi zidingo zemfundo. Futhi lapho kuvela khona ubusha bokuqala maqondana nezinye izimalimboleko lapho uzoba nesikhathi somusa, esiphakathi konyaka owodwa noma emibili okungenani. Ukuze ekuqaleni ungabhekana nale mali.
Esinye sezici ezifanele kakhulu sokwenza kwawo ngokusemthethweni lokho kuhlobene nesikhathi saso sokukhokha. Ziqinile kunezinye izinhlobo, kepha usazoba neminyaka engu-5 ukuyibuyisa. Yize uma okufunayo kungukusebenza okusheshayo, ungachitha isikhathi esincane kule nqubo yokuhlala. Uma uyikhulisa imigomo, uzokwazi ukukhokha izitolimende ezithambile zenyanga, noma kunjalo, uzoyithuthukisa isikhathi eside, futhi ngenxa yalokho ukukhokha kokugcina kuzoba ngaphezulu.
Enye yeminikelo okuzokuqashelwa yilokho imvamisa akwenziwa nganoma yiluphi uhlobo lwekhomishini (ukuvula, ukutadisha, ukwesulwa kokuqala, njll.) noma ezinye izindleko ekuphathweni kwayo. Lezi zici, ezijwayelekile kubo bonke, zizokuvumela ukuthi wonge ama-euro amaningi lapho wenza ngokusemthethweni ukusebenza kwebhange. Noma kunjalo, qaphela kakhulu, ngoba noma ikuphi ukungathobeli izinkokhelo kungafaka izinhlawulo ezinzima ozodinga ukubhekana nazo ebuhlotsheni bakho nebhizinisi elikhiphayo lomkhiqizo ofunwayo.
Intshisekelo ephansi yamakhosi
Iphuzu elibaluleke kakhulu lifika, mhlawumbe okukuthonya kakhulu ukuthi uncike esiphakamisweni esihle kakhulu. Akuyona enye ngaphandle kwezinga lenzalo elizokhokhiswa ngokufunwa kwalo mkhiqizo. Ungangabazi ukuthi uzobe ubhekene nenye yezimali ezuzisa kakhulu ezithakazelweni zakho. Zikhula ngaphakathi kwebanga elihamba phakathi kuka-6% no-8%, Futhi nokuthi ungayithola ishibhile uma uhlangabezana nemibandela ethile ezobekwa ngamabhange.
Njengoba ingumkhiqizo onamandla kakhulu, oqhubeka uvuselelwa ukuze uvumelane nezidingo zamakhasimende, kufaka phakathi Kufaka phakathi nethuba lokuthi uyibuyise ngemuva kokufunda inkosi. Akumangalisi ukuthi ezinye izikhungo zezezimali zifaka lesi sigaba esivumelwaneni, futhi singazuzisa kakhulu kuzintshisekelo zakho, kuya ngephrofayili yeklayenti oyivezayo. Elinye isu elisetshenzisiwe ukukwazi ukwenza izitolimende eziyi-14 zanyanga zonke ngonyaka njengefomula yokulihlanganisa ngokushesha okukhulu.
Ifuna okufunwayo kwakho
Kodwa-ke, futhi nengxenye yezinsizakusebenza abakunikeza zona ukufinyelela la manani, kuzofanele ugcwalise uchungechunge lwezimfuneko ukuze ube namanani abo ku-akhawunti yokuhlola. Okokuqala, kufanele ufakazele ukubhaliswa kwenkosi, ngoba uma ikwenza, awuzukuba nalutho ekufuneni. Bese uphendula ngokwezezimali ngokuhlinzwa. Ngokuthola imali yakho ejwayelekile (okuthile okungajwayelekile kulezi zimo), noma mhlawumbe ngokusebenzisa umqinisekisi, okungaba ngabazali bakho, noma isihlobo esiqondile.
Uma uhlangabezana nalezi zidingo, uzokwazi ukuthola imali mboleko. Ngenqubo engeyona inkimbinkimbi kakhulu, engahlala amasonto ambalwa. Futhi njengephuzu lokugcina, yiba nemali efunekayo ku-akhawunti yakho yokuhlola. Ngakolunye uhlangothi, akufanele kube kuvela ebhizinisini elikunike lona. Lokho wukuthi, awudingi ukushintsha amabhange.
Manje kuzodingeka uhambisane nemibandela okuvunyelwene ngayo kuzo zombili izinhlangothi, futhi ugcwalise izinkokhelo njalo ngenyanga. Ngokukhokhiswa kwemali ngaphansi kwenani elinikeziwe kanye nenzalo yalo. Futhi iminyaka eminingi njengoba ukhethe kwisiphakamiso sebhange. Futhi kusukela kulo mzuzu kuqhubeke, uzobe usuzibonile izindleko ezizofakwa ukuqedelwa kwalezi zifundo.
Amakhredithi ongawasebenzisa ngokunenzuzo
Lapho usuzibonile izici eziyinhloko zale mikhiqizo yasebhange, kuzofanele uthathe isinqumo ngemodeli evumelana kangcono nemibandela yakho njengeklayenti. Kusuka ekukhethweni okubanzi kwazo, okwenziwa ngaphansi kwezici ezifanayo kakhulu phakathi kwazo zonke. Futhi lapho mhlawumbe imininingwane encane (noma umehluko) ilokho okuzokuthambisela kolunye lwamamodeli athulwe izinhlangano.
Ngaphakathi kokunikezwa kwamabhange njengamanje unokuningi ongakhetha kukho, ngemiklamo eyenziwe ngokucophelela ukuze ukwazi ukukhokhela izindleko ezizohileleka esigabeni esisha semfundo. Esinye seziphakamiso esivulekile kakhulu yileso esivela ku-Kutxabank. Ukhuthaze ukubolekwa kwalezi zici ezikunikeza ama-euro angama-60.000. Umnikelo wawo omkhulu ulele ekutheni uzoba nesikhathi somusa esifinyelela eminyakeni engu-2 ekuqaleni, enesikhathi esiphezulu sokubuyiselwa kwayo esifinyelela eminyakeni eyi-8.
Ngaphansi kwezindlela ezifanayo kakhulu, imalimboleko eyenziwe yi-BBVA iyavela, kepha kulokhu ikunikeza ithuba lokwelula ukukhokhiswa kwayo kuze kube yiminyaka eyi-10. Ama-euro angama-18.000 yinani u-Ibercaja ekunikeza lona ukumboza izindleko zenkosi, nokukhulisa isikhathi somusa kuze kube yiminyaka emithathu njengomkhawulo omkhulu. Okunye okusha okulethwa yile ndlela yezimali ukuthi Unenketho yokukhetha isilinganiso senzalo oyifunayo, kungaba isikhathi esimisiwe noma esiguquguqukayo, ngokungaqondakali. Yize kuzofanele uthathe ikhomishini yokuvula engu-1,25%, ekugcineni ezokwenza ukuthi isicelo sibize kakhulu.
Enye yezinhlangano eziye zavumela lolu hlobo oluthile lwekhredithi ekunikezeni kwazo yiBanco Sabadell. Ngesamba esiphezulu sama-euro angama-45.000, futhi emakethwa ngaphansi kwezinga lenzalo ye-7%. Uzoba neminyaka eyi-10 yokunciphisa umsebenzi, futhi njengasesiphakamisweni esedlule, ngekhomishini yenani elifanayo.
Ngaphandle kwanoma iyiphi ikhomishini, imali mboleko eyenziwe yi-Unicaja nayo iyakhiwa, enikeza abafundi isabelo sezomnotho esifinyelela kuma-euro ayi-18.000. Ngenzuzo, ngakolunye uhlangothi, ukuthi uzokwazi ukuyikhipha ngokushesha okukhulu, eminyakeni engu-5. Iziphakamiso zokugcina zivela kuBanco Popular, ukumaketha ngenzalo ka-7,4%, nangesikhathi seminyaka emibili yomusa. Ngokuphindaphindiwe bazofaka ikhomishini yokuvula engu-1%.
Ungayithola kanjani imalimboleko ngezimo ezihamba phambili?
- Ukukhetha indlela yezezimali ephethe inani lenzalo elincintisana kakhulu emakethe, futhi uma kungenzeka, alidluli ku-7%.
- Lokho kuyenziwa ngaphandle kwanoma yiluphi uhlobo lwamakhomishini noma izindleko ezingeziwe, ukuze ungadingi inkokhelo enkulu ekukhokhelweni kokugcina okuzodingeka ubhekane nayo ngemvume yayo.
- Ukwamukela abanye amaphromoshini akhuthaza amanye amabhonasi uma uke wenza isivumelwano neminye imikhiqizo yasebhange nebhizinisi lakho.
- Ukufakwa kwesikhathi somusa, phakathi kweminyaka engu-1 no-2, kungaba isu elihle kakhulu ukubhekana nalezi zindleko, ikakhulukazi ekuqaleni kokuqashwa kwakho.
- Ungasizakala ngobuningi obukhulu bamamodeli, ukuze ukhethe eyodwa ezuzisa kakhulu izintshisekelo zakho.
- Uma unezinkinga zokuyibuyisa, ungakhathazeki, ngoba uneziteshi ezithile zokuxhasa imali lokho ungazibuyisela emuva kwesikhathi, lapho usufunde inkambo yokuqeqesha.
- Futhi ekugcineni, uzohlala unensiza ye- qeda ezinye izinhlobo zezimali ezingabizi kakhulu ongazifinyelela: izikweletu phakathi kwezihlobo, abantu, njll.