USepthemba ufana nokubuyela eyunivesithi, emsebenzini nasejwayeleni. Sibhekene nenyanga lapho, ngokwenza kahle, iqala futhi. FUTHI baningi abacabanga ukuqala ukuqeqeshelwa inkambo entsha. Kepha yiziphi ezinye izindlela zemfundo laphaya?
Okuningi nokuningi amathuba ezibekwa etafuleni ukutadisha:
- Izifundo zasekolishi
- Iziqu zaseYunivesithi
- Isiqu esiphezulu
- Iziqu
- Udokotela
- I-Scholarship phesheya
- Inkambo yolimi
Yini okufanele ibhekwe lapho ufunda?
Enye yezikhiye ikhona wazi ukuthi yini umuntu ayithandayo nangayithandi. Kakade esikoleni, saqala ukuthatha izinyathelo zokuqala ngokukhetha izifundo zokugcina ze-ESO neBaccalaureate egatsheni lesayensi noma izincwadi.
Lapho inyuvesi ifika, ukukhetha umsebenzi othile noma okunye kuzohluka ngokuya ngezifiso zesikhathi esizayo zomuntu ngamunye futhi ngezikhathi ezithile nokusikwa kwebanga. Kepha kunezikhathi lapho, ngeshwa, izici zomnotho ziyasebenza. Futhi iqiniso ukuthi iziqu esingathanda ukuzenza noma ngisho nenkosi esingathanda ukuxhasa ngayo ukuqeqeshwa kwamanyuvesi zibiza kakhulu futhi asikwazi ukuzikhokhela.
Ukuhlala ubhajwe impilo yakho yonke kungaba yinto ebabayo. Ngakho-ke, okuhle kakhulu kulezi zikhathi kungukuthi yixhase ngezimali nge isikweletu somfundi. Ungesabi inani ozolibuza, imvamisa kuba nefayela le- Ububanzi obubanzi kakhulu kusuka ku- € 500 kuya ku- € 80.000 okunikezwa yiBanco Santander.
Ake sithathe icala elingenzeka empeleni. Ake sicabange ukuthi sizofunda iziqu ze-master's degree kwezokumaketha kwedijithali okubiza kwazo kungu- € 10.000 futhi sifuna ukucela imali mboleko ebhange ngale mali nge-TIN engaguquki engu-3,15% kanye nekhomishini yokuvula engu-1%. Inkokhelo yanyanga zonke ezokhokhwa izohluka kuye ngokuthi isikhathi sokukhokha semalimboleko.
Uma isikhathi sokubuyisa singu iminyaka emihlanu:
- Imali yenyanga: € 180,35
- U-APR: 3,61%
- Inzalo: € 821,26
- Ingqikithi yenani elizobuyiselwa: € 10.821,6
Uma isikhathi sokubuyisa singu iminyaka eyisishiyagalombili:
- Imali yenyanga: € 117,98
- U-APR: 3,45%
- Inzalo: € 1.325,91
- Ingqikithi yenani elizobuyiselwa: € 11.325,91
Uma imali ibuyiswa esikhathini eside, kuzoba nenzalo ethe xaxa, kuzokhokhwa imali ephansi yanyanga zonke kuthi i-APR ibe ngaphansi kwazise ikhomishini izohlanjululwa. Ngokuphambene, uma kufushane leli gama, inzalo iphansi, intela ekhokhwa nyangazonke iphakama futhi ne-APR ephakeme.
Okukhulu kulezi zinto, ezinye izimali zingaqala ukusebenza okufana nocwaningo (okungukuthi, lelo ibhange elikukhokhisa lona lokufunda imalimboleko ngokuya ngephrofayili yakho, ezoncika esikhungweni ngasinye sezezimali noma ebhizinisini lokukhansela imalimboleko.
Ukuqeqeshwa akudingeki ukuthi kungqubuzana nemali, ikakhulukazi uma lolu hlobo lwemikhiqizo yezezimali unikele ngezinzuzo ezinkulu kulabo abawucelayo. Phakathi kwezinye izinto, kungenzeka ukuqala ukhokhe imali ebolekiwe ngokuhamba kwesikhathi. Lesi isikhathi esibizwa ngokuthi yisikhathi somusa, okusho ukuthi, awudingi ukuqala ukusikhokha ngokushesha, kepha ungakubambezela isikhashana.
Kepha yebo, kufanele sikhumbule ukuthi kubalulekile lokho Izimalimboleko zasekolishi zisekelwa ngabasebenzi abakhokhelwayo, kungaba ngabakho noma abazali bakho, noma uhlobo oluthile lwefa lezezimali oluqinisekisa ukubuya komkhiqizo ekugcineni.
Ngakho-ke, umbuzo awukona ukuthi ube nokuningi, kodwa ngokuba nalokho okuwusizo kakhulu ngekusasa lethu futhi, ngaphezu kwakho konke, lokho kusivumela ukuthi sifunde futhi sithuthukise izinga lethu lolwazi.