Nyamavhuvhu yakafanana nekudzoka kuyunivhesiti, basa uye zvakajairika. Tiri kutarisana nemwedzi iyo, par kugona, inotangazve. Uye kune vazhinji vanofunga kutanga kudzidzira kosi nyowani. Asi ndedzipi dzimwe nzira dzekudzidzisa kunze uko?
Zvakawanda nezvakawanda zviri mikana izvo zvinoiswa patafura kudzidza:
- Koreji yechikoro
- Dhigirii reYunivhesiti
- Dhigirii raTenzi
- Postgraduate
- Doctorate
- Scholarship kunze kwenyika
- Kosi yemutauro
Chii chinofanira kufungwa nezvacho kana uchidzidza?
Imwe yekiyi iri mukati ziva zvinofarirwa nemunhu wese uye zvaasingade. Tatova kuchikoro, takatanga kutora matanho ekutanga nekusarudza makosi ekupedzisira eESO neBaccalaureate mubazi resainzi kana tsamba.
Kana yunivhesiti yasvika, kusarudza rimwe basa kana rimwe richasiyana zvichienderana nekushuvira kweramangwana kwemunhu wega wega uye pane dzimwe nguva zvakare kucheka kwegiredhi. Asi pane nguva apo, zvinosuwisa, zvinhu zvehupfumi zvinoshanda. Uye ndezvekuti iro degree ratingade kuita kana kunyangwe tenzi watingade kutsigira naro kudzidzisa kuyunivhesiti rakanyanya kudhura uye isu hatigone kuzvikwanisa.
Kuramba wakanamatira kwehupenyu hwese kungave chiitiko chinorwadza. Naizvozvo, akakosha pane ese zviitiko ndee mari yacho na a chikwereti chemudzidzi. Usatya huwandu hwekuti ubvunze, kazhinji panowanikwa a Yakakura kwazvo yakatambanuka kubva ku € 500 kusvika ku € 80.000 inopihwa naBanco Santander.
Ngatiisei nyaya inogona kuitika muchokwadi. Ngatimbofungidzirai kuti tiri kuenda kunodzidza dhigirii rechikoro cheyunivhesiti mukushambadzira kwedigital iyo mutengo wayo uri € 10.000 uye tinoda kukumbira chikwereti kubhangi chemari iyi neTIN yakatarwa ye3,15% uye komisheni yekuvhura ye1%. Kubhadhara pamwedzi kunofanirwa kubhadharwa kuchasiyana zvichienderana nenguva yekubhadhara yechikwereti.
Kana nguva yekudzoka iri makore mashanu:
- Mutero wemwedzi: € 180,35
- APR: 3,61%
- Kufarira: € 821,26
- Yakazara huwandu hunodzoserwa: € 10.821,6
Kana nguva yekudzoka iri makore masere:
- Mutero wemwedzi: € 117,98
- APR: 3,45%
- Kufarira: € 1.325,91
- Yakazara huwandu hunodzoserwa: € 11.325,91
Kana mari ikadzoserwa munguva yakareba, pachave nemari yakawanda, mubhadharo wepasi pemwedzi uchabhadharwa uye APR inenge yakaderera sezvo komisheni ichizunguzwa. Kusiyana neizvi, kupfupisa izwi, kudzikisa chimbadzo, kukwirisa muripo wemwedzi uye neAPR yepamusoro.
Chikuru chezvinhu izvi, imwe mari inogona kupinda mukutamba senge chidzidzo (ndokuti, iyo iyo iyo bhangi inokubhadharisa iwe kuti udzidze nezvechikwereti zvichibva paprofile yako, zvinoenderana nesangano rega rega rezvemari kana chikamu chekudzima chikwereti.
Kudzidziswa hakufanirwe kunge kuchipesana nemari, kunyanya kana rudzi urwu rwezvigadzirwa zvemari kupa zvikomborero zvikuru kune avo vanozvikumbira. Pakati pezvimwe zvinhu, mukana wekutanga dzosera iyo yakakweretwa mari gare gare. Iyi ndiyo inonzi nguva yengoni, kureva kuti, haufanire kutanga kuibhadhara nekukasika, asi unogona kuinonotsa kwechinguva.
Asi hongu, isu tinofanirwa kuziva kuti zvakafanira izvo zvikwereti zvekoreji zvinotsigirwa nemubhadharo, kungave kwako kana kwevabereki vako, kana kunyangwe imwe mhando yemari yemari inovimbisa kudzoka kwechigadzirwa pakupedzisira.
Naizvozvo, mubvunzo hausi mukuva nezvakawanda, asi mukuva izvo zvinonyanya kubatsira kune ramangwana redu uye, pamusoro pazvose, izvo zvinotibvumidza kudzidza nekuvandudza mwero wedu wezivo.