Ungaze ulahle ithemba ngenxa yokuba abazali bakho bengenayo imali yokukunceda uqhubeke nezifundo zakho. Kukho ezinye iindlela ezinokukunceda
Ingaba ufuna ukufunda kodwa abazali bakho (okanye abo uphantsi kogcino lwabo) abanamali yaneleyo? Awuwedwa – malunga ne-60% yabafundi baseMzantsi Afrika bafaka izicelo zemali-mboleko yabafundi minyaka le. Nantsi into ekufuneka uyazi.
Isebenza njani imali-mboleko yabafundi?
Ingaba ubusazi ukuba amaziko emali amaninzi abonelela ngemali-mboleko yabafundi? Uninzi lwawo la maziko lufuna umntu ozakukunceda ufake isicelo ngokuvuma ukuhlawula ityala elo. Lo mntu ubizwa ngokuba ngumqinisekisi, okanye i-surety ngelasemzini. Sakuba samkelwe isicelo semali-mboleko yomfundi, umboneleli wemali yemboleko (umbolekisi, ngamanye amagama) uya kuhlawula imali yemfundo yakho kwiziko lakho lemfundo ephakamileyo kunye nemali yeendleko zokuhlala. Abanye ababoneleli bezezimali, ingakumbi iibhanki, bakuvulela iakhawunti, baze bakufakele imali kwiakhawunti leyo ukuze uyisebenzisele iincwadi zokufunda kunye neendleko zemihla ngemihla.
Kuthetha ukuthini ukuba “ngumqinisekisi”? Umqinisekisi ngumntu ofana nomxhasi/umzali/umntu ogcinwe ngaphantsi kwakhe, njl.njl. owamkela uxanduva lwamatyala akho. Ngokusemthethweni, umqinisekisi unoxanduva lokuhlawula ityala ukuba wena uthe awakwazi ukulihlawula.
Ndingenza ntoni ukuba andinaye umtyikityi/umqinisekisi? Unokuthatha izifundo zethutyana kwaye ukhangele umsebenzi. Ngale ndlela, unokusebenza ngelixa ufunda ukuze ukwazi ukuhlawula imali-mboleko yakho rhoqo ngenyanga.
Apha ngezantsi sikubonisa amathuba emali-mboleko karhulumente.
Nolwazi uthi…
Imali-mboleko yoMfundi okanye iMali-mboleko yoBuqu?
Imali-mboleko yabafundi iyafikeleleka kwaye kulula ukuyihlawula xa kuthelekiswa nezinye iimali-mboleko. Inezinga lenzala eliphantsi, ixesha elide lokuhlawula, kunye neentlawulo zenzala kuphela de ube uqala impangelo. Ngamanye amazwi, uhlawula inzala kuphela ngelixa ufunda, ze uqale ukuhlawula ngokupheleleyo wakuba ufumene umsebenzi. Ke yona imali-mboleko yobuqu ibiza kakhulu kwaye inenzala ephezulu, kwaye kufuneka uyihlawule ngokukhawuleza njengoko ingakhuselekanga. Izinga lenzala kwimali-mboleko yobuqu limalunga ne-15%, kodwa imali-mboleko yabafundi iqala malunga ne-11%.
Iindidi zeemali-mboleko zabafundi
Imali-mboleko karhulumente
Ukuba ungummi weli loMzantsi Afrika ophuma kwikhaya elinomvuzo wonyaka ongaphantsi kwama-R350 000, ungafaka isicelo semali-mboleko yomfundi kwi-National Student Financial Aid Scheme (NSFAS). Uya kudinga iSatifikethi seMatriki ukuze wamkelwe kwenye yeeyunivesithi ezingama-25 zaseMzantsi Afrika okanye iikholeji zeTVET. I-NSFAS ihlawula imali yesikolo, ukubhalisa, indawo yokuhlala, ukutya, kunye neendleko zemihla ngemihla zokuya esikolweni. Kufuneka ufake isicelo qho ngonyaka kwaye uphumelele iimodyuli zakho ezingu-50% ukuya phezulu ukuze uqhubeke nokufumana inkxaso-mali.
Uyihlawula njani imali? Ukuba uqhuba kakuhle kwizifundo zakho, i-40% yemali-mboleko yakho kaNSFAS inokuguqulwa ibe yibhasari. Oku kuthetha ukuba akunyanzelekanga ukuba uyihlawule le mali. Intlawulo yemali-mboleko yabafundi be-NSFAS iqala kuphela wakuba uzigqibile izifundo zakho kwaye sele uqalisile ukwamkela imali engaphezu kwe-R30 000 ngonyaka. Ezi ntlawulo ziqala kwi-3% yomvuzo wakho wonyaka. Umzekelo: ukuba ufumana i-R30 000 ngonyaka, uhlawula kuphela i-R900 ngonyaka okanye i-R75 ngenyanga kumvuzo wakho.
Imali-mboleko yebhanki
Ukuze ufumane imali-mboleko yomfundi ebhankini, isicelo kufuneka senziwe egameni lakho ngumqinisekisi. Lowo uqinisekisayo kufuneka abe nomvuzo ongaphezulu kwe-R3 000 ngenyanga kunye nembali yetyala ecocekileyo. Ibhanki nganye ibonelela ngezicwangciso ezahlukeneyo zokuhlawula, ngoko ke, kubalulekile ukuba ujonge iindlela onokukhetha kuzo kwiibhanki ezinkulu zaseMzantsi Afrika.
Imali-mboleko yeenkampani zabucala
Ababoneleli bemali-mboleko babucala abafana ne-FUNDI okanye i-Helpmekaar Studiefonds, njl.njl. bagxile kakhulu kwimali-mboleko yabafundi.
Isebenza njani intlawulo yebhanki kunye neyeenkampani zabucala?
Emva kokuba imali-mboleko ikhutshiwe, ixesha lokuyihlawula limisiwe. Ngokuqhelekileyo, intlawulo yenzeka ngamanqanaba amabini. Inqanaba lokuqala liqala usesesikolweni. Ngeli xesha, umzali wakho, lowo ugcinwe ngaphantsi kwakhe, umxhasi, okanye umntu okubhalisele imali-mboleko yakho (obizwa ngokuba ngumqinisekisi) uhlawula inzala kuphela. Inqanaba lesibini liqala emva kokuba ugqibe izifundo zakho. Emva koko, unoxanduva lokuhlawula imali eyinkunzi (i-capital ngabula makhumsha) kunye nenzala. Ngokuqhelekileyo, ibhanki okanye umboneleli ukunika iinyanga ezi-6 ukuya kwezili-12 emva kokuba ugqibile esikolweni ukuze ufune umsebenzi. Ukuba unethamsanqa, usenokukwazi ukwenza isivumelwano nomqeshi wakho omtsha ukuze akuncede uhlawule imali-mboleko ukuba uyavuma ukumsebenzela iminyaka embalwa. Kodwa ke, ukuba uthe awaqeshwa de kwaphela eli xesha loxolelo, umqinisekisi wakho kuya kunyanzeleka ukuba aqalise ukuyihlawula imali-mboleko.
Nolwazi uthi…
Nantsi enye into emasingayilibali…
Kukho ukungaqondi okuqhelekileyo kokuba imali-mboleko yabafundi ayinanzala. Ayiyonyani leyo. Iimali-mboleko zabafundi zinenzala nazo, njengamanye amatyala asekhaya. Umzekelo: masithi abazali bakho bathathe imali-mboleko yomfundi ye-R80 000 ngenzala ye-11%. Ngelixa usafunda, bahlawula inzala engama-R863.40 ngenyanga. Wakuba uthweswe isidanga, usatyala ibhanki i-R80 000 kunye ne-11% yenzala, enokuhlawulwa ngezavenge ze-R1 834.65 ngenyanga, kwiinyanga ezingama-60. Oku kuthetha ukuba ekugqibeleni uya kuhlawula malunga ne-R118 713 kwimali-mboleko yakho yomfundi.
Nantsi ingcebiso: Cinga ngokufumana umsebenzi wesingxungxo ngelixa ufunda ukuze uqale ukonga imali ukuze unciphise umthwalo xa uqala ukuhlawula imali-mboleko yakho.
OKUFUNEKAYO: Yintoni efunekayo ukuze ndikwazi ukufaka isicelo semali-mboleko yomfundi?
Kufuneka la maxwebhu alandelayo ukubonisa iziko lezemali ukuba ngenene uvunyiwe eyunivesithi. Qinisekisa ukuba uneekopi zokuqala neziqinisekisiweyo ukunqanda ukulibaziseka.
- Ileta yaseYunivesithi okanye yasekholejini yokwamkelwa
- Ubungqina beziphumo zakho zemfundo*
- Ubungqina beendleko
- Ubungqina bendawo yokuhlala, obungekho ngaphezu kweenyanga ezi-3 ubudala (obakho kunye nobomqinisekisi wakho)
- Incwadi yesazisi (eyakho kunye neyomqinisekisi wakho)
- Amaphepha abonisa umvuzo; eenyanga ezi-3 (omqinisekisi kuphela)
- Iingxelo zebhanki zeenyanga ezi-3 (zomqinisekisi kuphela)
*Ekupheleni konyaka wokuqala wezifundo zakho, umboneleli wemali-mboleko uya kufuna ubungqina beziphumo zezifundo zakho zonyaka ophelileyo ukuze aqinisekise ukuba uvumelekile ukuba uqhubeke nezifundo zakho. Ungacela ubungqina beziphumo zakho kwiyunivesithi yakho.
Ngaphambi kokuba uthathe imali-mboleko yomfundi, yenza uphando lwakho ngononophelo, uphonononge izinto onokukhetha kuzo, kwaye ukhethe eyona ifanele iimfuno zakho. Qinisekisa ukuba uyasiqonda isicwangciso sentlawulo kunye nemihla yentlawulo oyimiselweyo.
Sikunqwenelela uhambo olumyoli noluzele ngamathamsanqa kwizifundo zakho! Makwande!
Sources
All Bursaries South Africa: Student Loans in South Africa – Study Tertiary Education
Fundi Connect: Student Loans in South Africa: Everything You Need to Know
Just Money: Everything you need to know about student loans
RCS: Things to consider when taking out a student loan
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