Uya kukhutshwa njani yaye apho ngetyala ukuze umfundi?

Ngoko ke, udumo umfundi. Ngaba ukuba akhuphe konke konke? Ukuba kunjalo, apho umele uchithe imali? Kuphela iifizi zezifundo okanye ezinye iinjongo? Makhe sizame ukuhlangabezana nale miba ngokweenkcukacha ezingakumbi.

Okokuqala, kufanele kuqatshelwe ukuba mboleko ukuze umfundi - imveliso ekhoyo njngesiqhelo kwi kumgca imveliso ukuba amaziko zemali ezininzi Russian. Ulutsha inganikwa imali ngeendlela ezimbini: ukuhlawulela uqeqesho lwabo yaye ngeenjongo kubathengi. Makhe siqwalasele ngamnye kubo ngokwahlukeneyo.

Xa kufuneka ukuba umfaki sicelo ukufumana ukudla mboleko? Xa kwacaca ukuba isebe mali uthe ayisebenzi. Nceda uqaphele, kukho imali ikhutshwa kuphela xa ihlawulwe isebe ngaphandle kokuba musa ikhanye. Ukuya credit beebhanki Russian, badla uye kumkhawulela ezi abathengi. Owona mzekelo yacaca - asezantsi izinga lenzala. ubungakanani bayo kuqikelelwa kwi-5% ngonyaka. Inxalenye Ezinye umbolekisi uya kubuyisela karhulumente. Ngoko yena akasenazo kuziva ngquzulana.

Ithuba lilonke ngexesha apho umfundi e zeli ziko okanye iyunivesiti Ungasebenzisa imali ebolekiweyo, uneminyaka eli-10. Ke ukuba bathi bonke ngequbuliso, emva kokuphumelela, kunokwenzeka ukuba Ungayihlawulwa kuyo, kungcono ukwenza oko kwangoko.

Ezingeloncedo le ngobuwena ziquka iindawo ezimbini. Okokuqala, umboleki kufuneka ube neminyaka engama-18 ubudala ngexesha lobhaliso. Okwesibini, kufuneka ukuba le guarantors yingisela. Ngokucacileyo, xa indima yabo yabazali ezayo senzo.

Kufuneka kuqatshelwe ukuba mboleko ukuze umfundi, lowo ngoku siyazi thina, ikhutshwa kuphela kwi imeko wafumana imfundo ephakamileyo - wokuqala kummi. Ukongeza, kufuneka kuqondwe ukuba nkqubo usebenza kuphela amakhono, uluhlu leyo ezibekwe ngurhulumente.

ezinye iimfuno

Enye indlela ukufumana imali-mboleko ukuba umfundi - uyilo aqhelekileyo-mboleko yabathengi. Kwaye apha sithetha lodibaniso $ 50 amawaka. Elona xesha lininzi apho ufuna ukubuyela kubo, ngesiqhelo iinyanga-36. Ukuba umfana okanye ibhinqa ngokuzithandela ukuthatha eninzi imali ixesha elide, iminyaka yabo kufuneka engama-21 nangaphezulu.

Indlela elula kwabo ukulawula kukudibanisa zokufunda kunye nomsebenzi. Ezi amaqabane ongalindela ukufumana imali-mboleko efikelela kwi 150 lamawaka. Kucacile ukuba baya kufuneka banike iziko zebhanki yakho yokundwendwela zokunxiba, ikhowudi VAT kunye uxwebhu engqina kwinqanaba lengeniso. Kuyaphawuleka ukuba wamkela iziko mali yokufunda-zebhanki akwazi ukuba ubalwe. Ngenxa yoko, izibophelelo siqinisekiso - kakhulu.

Ngoku uhlala ukufumana apho ukufumana imali-mboleko lohlobo ezichazwe. Apha umfundi azikho iinketho ezininzi. Okwangoku, imali bazimisele ukuba uboleke Russian Sberbank, Russian yezoLimo Bank "Imfundo", Baltic Bank. Nantoni ukucebisa apha kunzima, ekubeni ukhetho nombolekisi efanelekileyo - kuba luluvo. Umzekelo, ukuba unomdla kwezinga lenzala, ngoko la maziko imali kwi-12%, 16%, 13.5% ne-19%, ngokulandelelana.