USeptemba uyafana nokubuyela eyunivesithi, emsebenzini nakwisiqhelo. Sijongene nenyanga apho, ngokugqwesa, iqala kwakhona. KUNYE baninzi abacinga ngokuqala uqeqesho lwale khosi intsha. Kodwa zeziphi ezinye iindlela zemfundo phaya?
Ngakumbi nangakumbi amathuba ezibekwe etafileni ukuba zifundwe:
- Izifundo zekholeji
- Idigri yaseyunivesithi
- Isidanga semasters
- Isidanga sokuqala
- Ugqirha
- Ukufundiswa kwamanye amazwe
- Ikhosi yoLwimi
Yintoni ekufuneka ithathelwe ingqalelo xa ufunda?
Elinye lamaqhosha alilo Yazi ukuba wonke umntu uthanda ntoni kwaye akathandi ntoni. Sele esikolweni, saqala ukuthatha amanyathelo okuqala ngokukhetha iikhosi zokugqibela ze-ESO kunye neBaccalaureate kwisebe lezesayensi okanye iileta.
Ukufika kweyunivesithi, ukukhetha ikhondo lomsebenzi okanye elinye kuya kwahluka ngokuxhomekeke kwiminqweno yomntu ngamnye nakwizihlandlo ezithile kunye nokusikwa kwebanga. Kodwa kukho amaxesha apho, ngelishwa, iimeko zoqoqosho ziyangena. Kwaye kukuba isidanga esingathanda ukusenza okanye nkosi leyo esingathanda ukuxhasa ngayo uqeqesho lwaseyunivesithi zibiza kakhulu kwaye asinakho ukuyifumana.
Ukuhlala ubambekile ebomini kunokuba ngamava abuhlungu. Ke ngoko, okona kulungileyo kwezi zihlandlo ngu Yixhase ngezemali nge mboleko yomfundi. Musa ukoyika isixa oza kubuza, kuhlala kukho a Uluhlu olubanzi kakhulu ukusuka kwi- € 500 ukuya kwi- € 80.000 ebonelelwa nguBanco Santander.
Masibeke imeko enokwenzeka ngokwenyani. Masicinge ukuba siza kufunda isidanga seyunivesithi kwintengiso yedijithali enexabiso elingu- € 10.000 kwaye sifuna ukucela imali mboleko ebhankini ngesi sixa nge-TIN esisigxina ye-3,15% kunye nekhomishini yokuvula ye-1%. Intlawulo yenyanga eza kuhlawulwa iya kwahluka ngokuxhomekeka kwixesha lokuhlawulwa kwemali mboleko.
Ukuba ixesha lokubuya li iminyaka emihlanu:
- Intlawulo yenyanga: € 180,35
- APR: 3,61%
- Inzala: € 821,26
- Imali iyonke ekufuneka ibuyisiwe: € 10.821,6
Ukuba ixesha lokubuya li iminyaka esibhozo:
- Intlawulo yenyanga: € 117,98
- APR: 3,45%
- Inzala: € 1.325,91
- Imali iyonke ekufuneka ibuyisiwe: € 11.325,91
Ukuba imali ibuyisiwe kwithuba elide, kuya kubakho inzala ethe kratya, kuya kuhlawulwa umrhumo ophantsi wenyanga kwaye i-APR iyakuba sezantsi okoko ikhomishini iya kungxengeka. Ngokwahlukileyo, elifutshane igama, inzala esezantsi, intlawulo ephezulu yenyanga kunye neAPR ephezulu.
Okukhulu kwezi zinto, ezinye iimali zinokudlala ezinje ngesifundo (Oko kukuthi, leyo ibhanki ikuhlawulisayo ngokufunda ngemali mboleko esekwe kwiprofayile yakho, eya kuthi ixhomekeke kwiziko ngalinye lezemali okanye kwiqumrhu lokurhoxisa imali mboleko.
Uqeqesho akufuneki luphikisane nemali, ngakumbi xa olu hlobo lweemveliso zemali zinika izibonelelo ezilungileyo kwabo bazicelayo. Phakathi kwezinye izinto, ukubakho kokuqala uhlawule imali ebolekiweyo kamva. Eli lixesha elibizwa ngokuba lixesha lobabalo, oko kukuthi, awunyanzelekanga ukuba uyiqale uyibuyise kwangoko, kodwa ungalibazisa okwethutyana.
Kodwa ewe, kufuneka sikhumbule ukuba oko kuyimfuneko Iimali-mboleko zekholeji zixhaswa ngumvuzo, nokuba ngabakho okanye ngabazali bakho, okanye nokuba loluphi uhlobo lweasethi yemali eqinisekisa ukubuya kwemveliso ekugqibeleni.
Ke ngoko, umbuzo awukho ekubeni nokuba nokuninzi, kodwa kukuba nezinto eziluncedo kwikamva lethu kwaye, ngaphezulu kwako konke, oko kusivumela ukuba sifunde kwaye siphucule inqanaba lolwazi lwethu.