Opindulitsa maphunziro ngongole

Mu maphunziro abwino apamwamba masiku ano, anthu ambiri ku Russia kumvetsa diploma ya yunivesite zapamwamba. Koma momwe izo, kapena kani, kulipira, kutenga nkhani ndi kuchepetsa pachaka chiwerengero cha malo bajeti mabungwe - funso ili yovuta kwambiri. Ngati makolo amalephera muli wophunzira: kulipira tuition wake, malawi, zosangalatsa, mungayesere ndalama pyonsene. Mwachitsanzo, mabanki.

Maphunziro ngongole - njira imodzi kulipira mtengo ndondomeko pedagogical, imachitika motsogoleredwa ndi aphunzitsi kwambiri oyenerera ndi aphunzitsi wothandizira. Komabe, utumiki uwu si otchuka kwambiri mabanki okha, chifukwa, mosiyana ndi miyambo ngongole ogula ndalama ali ndi chinthu chosaoneka ndi maso - chidziwitso. Ndipo iwo akuvomereza, palibe firiji ndi makina ochapira, amene kenako kugulitsidwa ndi kuthandiza ndalama pa.

Atazindikira kusafuna wa osunga ndalama kukongoza ndalama kuphunzira, mmbuyo mu 1996, kuganizira chilamulo "Pa maphunziro", choyamba ikunenedwa lingaliro ili, ngati ngongole maphunziro ndi boma subsidy. Patapita zaka khumi, ntchito ofanana lingaliro limeneli, ndodo okonzeka angapo nyumba zikuluzikulu - Utumiki wa Education ndi Science, Sukulu Apamwamba wa Economics, Association of Russian Banks, dziko Union of Industrialists ndi amalonda. Ndiye atafunsidwa kuti apereke pazipita madola 25 zikwi popanda ina, ndi wobwereka akhoza kubwezera pasanathe zaka 3-10 pambuyo maphunziro. Koma sanathe kubwerera - akamaziwononga. Yeniyeni mlingo ngongole sakutchedwa, ndi kokha chinanena kuti kuchuluka osachepera amene anasankhidwa mwa gombe zilipo.

Pamene kuchita, ngongole maphunziro ndi anakhala ambiri akufuna kupeza zapamwamba maphunziro unaffordable. Banks, ngakhale pa kopanda kuti boma ankachita nawo kusankha awo kusamala, zimagwirizana kupereka ndalama zokha kuti Russia wamkulu. Ndipo ngati zaka 18 kuti sichinakwaniritsidwe, m'pofunika kuti makalata onse ndi co-wobwereka. Ngati madola 25 zikwi - kupanda maphunziro kuti ndalama, ikuluikulu ngongole ndipo inaika yekha ndi nawo bungwe la matrasti.

Tsatanetsatane azikhala pa nkhani ya chiwongola dzanja. Mu ndalama Bank maphunziro ngongole ndalama makasitomala mu zina 12% pa annum. Rosinterbank akulonjeza kulipirira maphunziro kwa 11-20% pa annum, ndi ulimi Bank - kwa 16%, ndi Bank Baltic - kwa 19%. Mwa njira, ndalama maphunziro amapereka osachepera khumi mabanki zoweta ndi kampani imodzi yokha.

Kumene, mabanja ambiri Russian ngongole maphunziro ofunikira - osati zofunika kwambiri. Choncho, tikambirana zinthu kumene bwana ndi guarantor adzachita pamaso pa bungwe ndalama. An mgwirizano ntchito akhoza kuganiza isanadze nthawi yake, kufikira wantchito si kulipira ngongole. Ndipo mu chochitika udindo kuchotsa ku banki tinatengera kwa katswiri wamng'ono. Ena adati kuti "mutikhululukire" ngongole ngati maphunziro ntchito kwa nthawi ina ya anthu. Osunga ndalama kuti iwo simusamala kupita kwa boma. Koma kuika mawu awo, kunena ubwino zina msonkho ndi kumati udindo wa sukulu ya oyambitsa, kapena mamembala zina za supervisory ndi gulu la matrasti.

Chotero funso cha mmene angakhalire ngongole kwa maphunziro, akhala ofunika kwambiri. Pa dzanja limodzi, boma ndi ngati kuyesa kuthandiza achinyamata kuti akhale ophunzira m'tsogolo kuti apeze ntchito yapamwamba, pa zina - si wokonzeka polekanitsa ndi ena malo yapamwamba, udindo, ndi makhalidwe ena a mphamvu.