Uyazi Yini i-corfo credit? Sikutshela konke okudingeka ukwazi ngalolu hlobo lwekhredithi yasebhange, futhi ikakhulukazi ngekhredithi yasenyuvesi yase-Corfo, ukuthi ungayithola kanjani kanye nezinzuzo ezinikezayo. Uzoba nentshisekelo!
Iyini ikhredithi ye-Corfo?
Ikhredithi ye-Corfo iwuhlobo lwekhredithi yasebhange esekelwa uHulumeni wase-Chile, esebenzisa Umnyango Wezomnotho, Ukuthuthukiswa Nezokuvakasha ngenjongo yokuthuthukisa amabhizinisi ezindaweni ezihlukahlukene zokukhiqiza kuzwelonke. Ngakho-ke igama layo elithi Corfo (Inhlangano Yokuthuthukisa).
Kule phrojekthi mayelana QIyini ikhredithi ye-Corfo, Le nhlangano idale umfelandawonye nezinkampani ezithile zamabhange ukuze zinikeze amakhredithi, zibhekelele izidingo kanye nokuqanjwa okusha kwemisebenzi yabantu baseChile nabangaphandle.
Ngezansi sikumema ukuthi ubukele le nto yokulalelwayo nebonwayo echaza ukuthi iyini ikhredithi ye-Corfo nezinhlelo zamabhizinisi ezinikezayo ezweni lonke.
Corfo University credit
Phakathi kwezinhlobonhlobo zamakhredithi anikezwa yiNhlangano Yokuthuthukiswa KwaseChile ngokubambisana nezinye izinhlangano zamabhange, sinesikweletu sase-Corfo University.
Kuyini?
Ikhredithi yasenyuvesi yaseCorfo iyindlela yesikweletu enikezwa ngezikhungo zamabhange ngosizo lwezezimali luka-Corfo. Inhloso yawo ukunikeza ngezimali ukuze abathweswe iziqu enyuvesi bathole ithuba lokuqala izifundo ze-postgraduate eChile nakwamanye amazwe.
Ubani ongakhetha ukuthola ikhredithi?
Njengoba sesishilo, lolu hlobo lwekhredithi yasebhange luhloselwe ochwepheshe abavela eChile kanye nabakwamanye amazwe (abahlangabezana nemfuneko yokuhlala unomphela ezweni), futhi abafisa ukuphishekela izifundo ze-postgraduate.
Amathuba anikezwayo
Le ndlela yokuxhasa ngezimali ethi Yini ikhredithi ye-Corfo yabafundi basenyuvesi ivumela ukukhulisa ukulungiswa kwezifundo ngokuthola iziqu ze-masters, iziqu zobudokotela noma iziqu zezemfundo ezithatha okungenani unyaka owodwa wezifundo.
Ngokunjalo, kungacelwa ukuthi kuxhaswe imali yokuhlala phesheya ukuze kuthathwe izifundo ezithuthukile emikhakheni ehlobene nezempilo njengemithi, ubuhlengikazi nezinye. Kudingekile ukuthi lokhu kuhlala njalo kungaphezu kwezinyanga eziyisithupha.
Ngemva kwalokho sizochaza izinketho zokutadisha neminye imininingwane ebalulekile.
1.- Uma ufuna ukufunda i-postgraduate degree ezweni, ungakhetha ukuthola ikhredithi efika ku-UF 1.500, ukuze ukhokhelwe phakathi neminyaka emi-4 kuye kweyi-10 futhi ikunikeza insiza yezikhathi zomusa nemali enkulu izinyanga ezingama-24. Izinga lenzalo linqunyiwe ngesikhathi esibekiwe.
Ngalesi sikweletu, uzokwazi ukukhokhela ukubhaliswa kanye nezimali ezikhokhwayo enyuvesi yase-Chile, kanye nakho konke okudingayo ukuze uqhubeke nezifundo zakho, njengezincwadi nezinye izinto ezidingekayo ukuze ufeze umgomo wakho.
2.- Uma ufuna ukufunda phesheya, uzothola uxhaso lwezimali olufika ku-UF 3.000, ukuze ukhokhe phakathi kweminyaka emi-4 neyi-10 kanye nethuba lezikhathi zomusa ezifika eminyakeni emi-4. Izinga lenzalo lilungisiwe. Yini ongayikhokha ngekhredithi? Izifundo nezimali ezikhokhwayo, kanye namathikithi okuya nokubuya eqembu lomndeni (oshade naye nezingane), umshwalense wezempilo, umshwalense wempilo, izindleko zezindlu nokudla, izinto zokwakha nezincwadi, kanye nokunye okudingekayo ukuze kuqedwe iziqu.
Izidingo zokucela ikhredithi
Ngokuqondene nazo zonke izicelo zekhredithi, kufanele uhlangabezane nezidingo zokunikeza. Sichaza okudingayo:
Amadokhumenti aceliwe azovumela ibhange ukuthi lenze ukuhlola ubungozi ukuze liqinisekise ukuthi umfakisicelo angakhetha yini ukuthola ikhredithi.
Eminye yale mibhalo yilena: isihloko noma isitifiketi semfundo ephakeme esinikezwe inyuvesi noma isikhungo semfundo, ubufakazi bokwamukela izifundo ze-postgraduate ocela ukuxhaswa ngazo, okukhombisa isemester noma unyaka owufundayo, ubude besikhathi somsebenzi, i-value tuition. kanye nezinkokhelo. (Amabhange anikeza imodeli yalesi sitifiketi) kanye nencazelo enemininingwane ebonisa inani eliceliwe kanye nokusatshalaliswa kwezinsiza.
Kuyadingeka futhi ukuthethelela iholo lomndeni eliphelele, ngoba alikwazi ukudlula u-UF 120 ngenyanga. Isitatimende esifungelwe kufanele senziwe phambi kommeli womthetho. Imodeli yale nqubo ihlinzekwa isikhungo sezezimali.
Ngakolunye uhlangothi, uma isicelo singokwenhloso yokwenza izifundo ze-postgraduate phesheya, abafakizicelo kumele babe nokugunyazwa okunikezwe yi-International Cooperation Agency.
Manje, uma isicelo sesikweletu sesivunyiwe, siyini isikweletu seCorfo, ibhange linakekela yonke into ehlobene neChamber of Development ukucubungula imali ebolekiwe, ngale ndlela akudingekile ukuba umfakisicelo aye eCorfo ne-oda. ukwenza noma iyiphi inqubo.
Imithetho nemibandela evamile yekhredithi ye-Corfo
Okulandelayo, sethula izimo ezijwayelekile ezisebenza kulolu hlobo lwekhredithi ye-Corfo yabafundi basenyuvesi okufanele uzazi.
Ezezimali
Inhlangano Yentuthuko ixhasa ngezimali izinhlangano zamabhange, izinsiza ezidingekayo ngokunikeza imali ebolekiwe ngemali kazwelonke, ukuze, ngemva kokubuyekeza izidingo ezidingekayo, isebenzise ikhredithi ngezinjongo ezibonisiwe. Izimo zemali mboleko, njengesikhathi sokukhansela, izinga lenzalo nokulungiseka, zisungulwa yibhange. Uma ungathanda ukufunda ngezindaba zezimali, ngikumema ukuthi ufunde izinhlobo zemali
Izinsuku zokugcina
Uma isicelo siwukufunda phesheya, imigomo yokukhansela ngeke ibe ngaphansi kweminyaka emi-4 noma idlule iminyaka eyi-10. Lesi sikhathi sesikhathi sibandakanya isikhathi somusa esingafika eminyakeni emi-2.
Amazinga enzalo
Imali mboleko izonikezwa ngamanani enzalo angaguquki. Inhlangano Yentuthuko izoqongelela inzalo emalini ebolekiwe enikezwe abaxhumanisi. Kusukela ngosuku okwenziwa ngalo inkokhelo, inzalo izobalwa esikweletini futhi izokwelulwa kuze kufike onyakeni owodwa. Uma kunobuhlongandlebe, izinga likhushulelwa esilinganisweni esiphezulu esisemthethweni esisebenza ngesikhathi sokudlulisa.
esikhokhelwa kuqala
Abalamuli bangase bayikhansele kancane noma ngokuphelele imali ebolekiwe enikeziwe. Kulokhu, inzalo izobalwa kuze kube usuku lokukhokha kusengaphambili.
Ukuxhaswa kabusha kwezikweletu zabafundi basenyuvesi
Kungenzeka ukuthi amabhange acele izinsiza ezengeziwe ku-Corporation ukuze akhokhe kabusha amakhredithi anikezwe ohlomulayo wokugcina, ngenhloso yokukwazi ukwanelisa izidingo zonyaka wezifundo umfakisicelo azifundayo. Lesi sicelo kufanele sihambisane nohlu lwamakhredithi ashiwo futhi kufanele siqukathe imininingwane elandelayo:
- Inani eliceliwe, elivezwe nge-Unidades de Fomento (UF).
- Iminqamulajuqu.
- Isikhathi somusa.
- Izimo zokukhokha: Izinsuku zokukhokha (idethi yokuqala neyokugcina), imvamisa yezitolimende kanye nosuku lwedethi yokuqala ewumnqamulajuqu wenzuzo.
- Igama kanye ne-RUT yokweletayo.
- Isikhathi semfundo esizoxhaswa ngezimali.
Maqondana nomfakisicelo, idatha yilena elandelayo:
- Igama eligcwele
- I-RUT
- Usuku lokuzalwa
- Inombolo yocingo.
- Ikheli le-imeyili (E-
- Ikheli eliqondile lekhaya lakho (umphakathi nendawo ohlala kuyo).
- Inyuvesi noma isikhungo semfundo esisuka kuso.
- Iziqu zezemfundo ozifisayo.
- Ikhophi yesitifiketi sokugunyazwa kwezemfundo.
Ukubolekwa kabusha kwezimali kunemibandela ekhethekile. Mayelana nemalimboleko yokuphishekela izifundo ze-postgraduate phesheya, Inhlangano izoboleka ibhange, icubungula isikhathi sokukhansela kwayo isikhathi, hhayi ngaphansi kweminyaka emi-4 noma ngaphezulu kweminyaka eyi-10. Ukuncishiswa kwentengo yemali kuzoba kusukela ngomhlaka-15 wenyanga ngayinye futhi izinzalo zizotholwa kusukela ngosuku lokukhokha kanye nesisekelo sonyaka.
Kuyisidingo esibalulekile ukuthi ezicelweni zemalimboleko amanani adingekayo avezwe ku-Unidades de Fomento.
Mayelana namazinga enzalo asebenza emalini ebolekiwe yokuxhasa ngezimali kabusha, Inhlangano kufanele yazise abaxhumanisi ngamarates ngezinketho zethemu ezihlukene. Lawa manani angashintshi azohlala esebenza isikhathi esincane esiyizinsuku ezingama-90. Ngemva kwalesi sikhathi, ungakwazi ukunweba ezinye izinsuku ezingu-90. Kodwa-ke, Inhlangano izoba nelungelo lokushintsha phakathi nenkathi yezinsuku ezingama-90 eziqhubekayo, uma kwenzeka kuba nokuhluka kwesilinganiso esikhulu kunamaphuzu ayisisekelo angu-50 kuzilinganiso zereferensi.
Okunye okwengeziwe mayelana nokuthi iyini ikhredithi ye-Corfo
Uyazi kakade ukuthi lawa makhredithi atholwa ngamayunithi okuthuthukisa (i-UF) futhi izinhlangano zamabhange ziphethe ukuwagunyaza ngawodwana ukuze kuhlangatshezwane nezidingo zabafake izicelo zonyaka ngamunye wokufunda.
Kukhona futhi enye indlela yokuxhasa ngezimali, ngaphansi kwe-modality "yomugqa wesikweletu". Lo mugqa ufaka imali yokufunda kanye nezimali ezikhokhwayo kanye nephesenti elengeziwe elingafika ku-20% ukuze wanelise okunye ukusetshenziswa okuhlobene nezifundo. Isinqumo sokunikeza lesi samba sincike kunqubomgomo yebhange ngalinye.
Omunye umniningwane obalulekile okufanele uyazi ukuthi ibhange lingakwazi ukuxhasa ngezimali esinye isikweletu, ngaphezu kwesonyaka, inani le-UF 150 ukuze umfakisicelo akwazi ukukhansela ezinye izikweletu zangaphambilini nesikhungo semfundo.
Mayelana nesikhathi sokukhansela lesi sikweletu esingeziwe, isikhathi esiphezulu siyiminyaka eyi-15, okuhlanganisa nezikhathi zomusa zokukhokhwa kukathishanhloko kanye nenzalo. Esimeni lapho “kuwumugqa wesikweletu, ohlanganisa iminyaka embalwa yezifundo, leli themu liqala ukusebenza kusukela enkokhelweni yokugcina eyenziwe. Izinga lenzalo alisoze laphakama kunesilinganiso esiphezulu esigunyazwe u-Corfo.
Kunoma yikuphi, ibhange lizonquma esimweni ngasinye, futhi ngokuvumelana nekhasimende, imigomo ephelele kanye nesikhathi somusa esifanele.
Kulolu hlelo lwemibono, kufanele wazi ukuthi imali yokufunda neyemali ekhokhwa ngqo esikhungweni senyuvesi lapho umfakisicelo evunyelwe ukwenza iziqu ze-master noma zobudokotela. Uzothola ebhange imajini eyengeziwe engu-20% ngendlela abavumelene ngayo.
Amabhange anikeza iCorfo credit yabafundi basenyuvesi:
Amabhizinisi asayine inkontileka yale malimboleko yilawa:
- BBVA Bank.
- BCI
- Development Bank.
- I-Falabella Bank.
- ICorpbanca
- Ripley Bank.
- I-Banco Santander Santiago.