Loan imfundo Ophambili

Ngaphansi imfundo enhle ephakeme namuhla, amaRashiya amaningi baqonde diploma ye eyunivesithi ephakemeko. Kodwa kanjani it, noma kunalokho, ukukhokha, ikhumbula ukuncishiswa kwemali sonyaka inombolo yezindawo isabelomali izikhungo - umbuzo uwukuthi ngempela eziyinkimbinkimbi. Uma abazali bengakwazi ukukuveza aqukethe umfundi: ukukhokhela yesikole, indawo, ukuzijabulisa, ungazama imali ukuboleka. Ngokwesibonelo, ibhange.

loan Sikhungo - enye yezindlela ukukhokhela ezibizayo inqubo Pedagogical, olwenziwa ngaphansi kokuqondisa osolwazi wakufanelekela kakhulu futhi oprofesa umhlobo. Nokho, le sevisi kungeyona kuthandwa kakhulu amabhange ngokwabo, ngoba, ngokungafani nokubili umthengi ukubolekisa bendabuko, ezezimali kumele yinto engabonakali - ngolwazi. Futhi uyavuma, akukho efrijini ukuwasha machine, okungase ezithengisiwe ukusiza investimenti.

Ukuyiqonda injongo yangempela yokunikezwa ukwenqena yosomabhange ukuboleka imali ukufunda, emuva ngo-1996, ucabangela umthetho "Kwezemfundo", okokuqala wakhuluma ngalokhu umqondo, njengoba ukuboleka imali yemfundo nge isimo soxhaso. Ngemva kweminyaka eyishumi, iphrojekthi elihambisana lo mbono, izisebenzi okulungiselelwe izakhiwo eziningana ezinkulu - Ministry of Education and Science, Higher School of Economics, Association of Banks Russian, ukuHlangana kazwelonke ka nezimboni kanye Osomabhizinisi. Khona-ke wacela ukuba ukunikeza esiphezulu ayizinkulungwane 25 zamaRandi ngaphandle eseduze, umboleki kungaba abuyisele ingakapheli iminyaka 3-10 ngemva kokuthweswa iziqu. Kodwa akakwazanga ukubuyela - ngaphansi kwezimo ezithile. Specific izinga isikweletu hhayi ngokuthi, futhi kuphela sasithi iphesenti ubuncane kuyobe owakhethwa phakathi amabhange etholakalayo.

Kwathi uma kufika lapho abenza, loan imfundo sahlala iningi ngilangazelela ukufika izinga imfundo ephakeme bayehluleka ngekwetimali. Amabhange, ngisho ngoba kucatshangwa ukuthi isimo eyingoduso ekukhetheni ngokucophelela, uyavuma ukuthi ngikhiphe inkongozelo kuphela baseRussia omdala. Futhi uma iminyaka engu-18 ungazange zigcwalisekile, kubalulekile ukwenza zonke amaphepha nge co-umboleki. Uma ayizinkulungwane 25 amadola - ukuntuleka ukuqeqeshwa ngenani, elikhulu loan futhi ikhishwa kuphela ukubamba iqhaza weBhodi Labaphathiswa.

Yekuchumana kufanele ahlale phansi odabeni lokufaneleka zenzalo. Ngo loan imfundo Savings Bank izobiza ikhasimende ngezilimi ezengeziwe ezingu-12% ngonyaka. Rosinterbank uthembisa ngakho ukuxhasa uhlelo lokuqeqesha ukuze 11-20% ngonyaka, Agricultural Bank - I-16%, kanti Baltic Bank - I-19%. By the way, imali imfundo inikeza amabhange yasekhaya engaphansana kweshumi kanye nenkampani eyodwa kuphela.

Yiqiniso, imikhaya eminingi Russian credit zemfundo kuleli fomu - hhayi efiseleka kakhulu. Ngakho-ke, sicabanga ngesimo lapho umqashi guarantor uyokwenza phambi isikhungo sezezimali. Kuvele inkontileka umsebenzi kungenziwa baphetha ngaphambi kwesikhathi, kuze kube umsebenzi engakhokhi off. Futhi uma kwenzeka ekunqanyulweni izibopho ebhange kwadlulela Uchwepheshe omncane. Kwathiwa liphakanyiswe "thethelela" loan uma umsebenzi iziqu isikhathi esithile yokusabalalisa. Bankers bathi musa khumbulani besiya isimo. Kodwa ukubeka imigomo yabo, ebhekisela izinzuzo ezithile zentela futhi abathi isimo ezikhungweni zemfundo wabasunguli, noma amalungu okungenani we asimeme kanye ibhodi Labaphathiswa.

Ngakho umbuzo kanjani ukuthola loan for imfundo, uhlala kubaluleke kakhulu. Ngakolunye uhlangothi, isimo kufana nokuzama ukusiza intsha ukuba bafunde esikhathini esizayo ukuze uthole umsebenzi ophambili ngakolunye - akusiyo ukulungele ahlukane ezinye izikhundla eziphambili, isimo, kanye nezinye izimfanelo kwamandla.