{"id":18539,"date":"2018-10-30T23:39:42","date_gmt":"2018-10-30T22:39:42","guid":{"rendered":"https:\/\/edu-4u.uk\/uzturesanas-aizdevums\/"},"modified":"2024-03-18T15:37:33","modified_gmt":"2024-03-18T14:37:33","slug":"uzturesanas-aizdevums","status":"publish","type":"page","link":"https:\/\/edu-4u.uk\/lv\/uzturesanas-aizdevums\/","title":{"rendered":"Uztur\u0113\u0161anas aizdevums"},"content":{"rendered":"\t\t
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Uztur\u0113\u0161anas aizdevums<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Vai pl\u0101nojat stud\u0113t Apvienotaj\u0101 Karalist\u0113, bet nezin\u0101t, vai b\u016bsiet finansi\u0101li sp\u0113j\u012bgs tur palikt? Visbeidzot. <\/span>dz\u012bves d\u0101rdz\u012bba Anglij\u0101 <\/b><\/span><\/a><\/span>ir diezgan augsts, \u012bpa\u0161i sal\u012bdzin\u0101jum\u0101 ar vid\u0113ja lieluma Polijas pils\u0113t\u0101m. No otras puses, j\u016bs saprotat, ka studijas Anglijas universit\u0101t\u0113 ir ieguld\u012bjums, kas n\u0101kotn\u0113 \u013caus jums atrast lab\u0101ku darbu. Tom\u0113r, ja j\u016bs raiz\u0113jaties, vai varat to at\u013cauties, tad Edu4u pied\u0101v\u0101sim jums ide\u0101lu risin\u0101jumu.<\/span><\/span><\/p>\n

Tas ir<\/span>
\n
\n
\n aizdevums, kas tiek pie\u0161\u0137irts dz\u012bves izdevumu seg\u0161anai.<\/span>
\n <\/strong>
\n <\/a>
\n<\/span> –<\/span>
\n uztur\u0113\u0161anas aizdevums<\/b>
\n<\/span>. \u0160is ir viens no popul\u0101r\u0101kajiem veidiem. <\/span>finans\u0113juma Apvienotaj\u0101 Karalist\u0113 un<\/strong><\/span>, tas ir pareizi, iz\u0146emot universit\u0101tes stipendijas un studiju maksas aizdevumus. Ja sp\u0113j vienlaikus stud\u0113t un str\u0101d\u0101t aptuveni 12 stundas ned\u0113\u013c\u0101, uzturl\u012bdzek\u013cu aizdevums ir dom\u0101ts tie\u0161i tev! Apskat\u012bsim, kas ir uztur\u0113\u0161anas aizdevums.<\/span><\/span><\/p>\n

Kas ir uztur\u0113\u0161anas aizdevums?<\/span><\/strong><\/h2>\n

Uztur\u0113\u0161anas aizdevums ir<\/span>
\n aizdevums, kas sedz uztur\u0113\u0161an\u0101s izdevumus Apvienotaj\u0101 Karalist\u0113.<\/b>
\n<\/span>. To nodro\u0161ina valsts organiz\u0101cija
\n
\n Student Finance England<\/a>
\n <\/strong>
\n<\/span>. Aizdevuma summa ir atkar\u012bga no <\/span>
\n m\u0101jsaimniec\u012bbas ien\u0101kumi<\/span>
\n<\/b> vai j\u016bsu un j\u016bsu vec\u0101ku ien\u0101kumu summa.<\/span><\/span><\/p>\n

Uzturl\u012bdzek\u013cu aizdevuma aug\u0161\u0113j\u0101 robe\u017ea ir \u0161\u0101da: j\u016bs varat sa\u0146emt l\u012bdz <\/span>
\n \u00a311374 gad\u0101<\/b>
\n<\/span>. Tom\u0113r, ja dz\u012bvojat London\u0101, aizdevuma summa var b\u016bt l\u012bdz pat
\n \u00a314202<\/strong>
\n<\/span>. Turpm\u0101k tabul\u0101 ir nor\u0101d\u012bta Aizdevuma summa dz\u012bves izdevumu seg\u0161anai atkar\u012bb\u0101 no g\u016btajiem ien\u0101kumiem:<\/span><\/span><\/p>\n\n\n\n\n\n\n\n\n\n
\n
\n M\u0101jsaimniec\u012bbas ien\u0101kumi (j\u016bsu un j\u016bsu vec\u0101ku ien\u0101kumu summa).<\/strong>
\n <\/span>\n<\/td>\n		\n
\n Maksim\u0101lais gada uzturl\u012bdzek\u013cu kred\u012bts (London\u0101)<\/strong>
\n <\/span>\n<\/td>\n<\/tr>\n
\n Maz\u0101k nek\u0101 \u00a325000<\/span>\n<\/td>\n\n \u00a314202<\/span>\n<\/td>\n<\/tr>\n
\n \u00a330000<\/span>\n<\/td>\n\n \u00a313147<\/span>\n<\/td>\n<\/tr>\n
\n \u00a335000<\/span>\n<\/td>\n\n \u00a312091<\/span>\n<\/td>\n<\/tr>\n
\n \u00a340000<\/span>\n<\/td>\n\n \u00a311035<\/span>\n<\/td>\n<\/tr>\n
\n \u00a342,875<\/span>\n<\/td>\n\n \u00a310428<\/span>\n<\/td>\n<\/tr>\n
\n \u00a345000<\/span>\n<\/td>\n\n \u00a310120<\/span>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

V\u0113lreiz uzsv\u0113rsim – Aizdevums dz\u012bves izdevumu seg\u0161anai ir aizdevuma veids, kas ir j\u0101atmaks\u0101. Tom\u0113r, <\/span>
\n izmaksas un atmaksas metode noteikti ir izdev\u012bg\u0101kas.<\/span>
\n<\/strong>k\u0101<\/span>gad\u012bjum\u0101 ar Aizdevums studiju maksai<\/span><\/a>.<\/span><\/span><\/p>\n

K\u0101 tas izskat\u0101s praks\u0113? J\u016bs tikai s\u0101kat atmaks\u0101t uztur\u0113\u0161anas aizdevumu <\/span>
\n vienu gadu p\u0113c studiju beig\u0161anas<\/b>
\n<\/span>, ja s\u0101kat str\u0101d\u0101t un j\u016bsu ien\u0101kumi p\u0101rsniedz ien\u0101kumu slieksni, vai<\/span>
\n slieksnis \u2705<\/b>
\n<\/span>. \u0160aj\u0101<\/strong><\/span>Apvienotaj\u0101 Karalist\u0113 tas ir 25 000 \u00a3<\/span><\/strong>, bet Polij\u0101 tas ir vair\u0101k nek\u0101 15 000 sterli\u0146u m\u0101rci\u0146u gad\u0101.<\/strong><\/span> Ja peln\u0101t maz\u0101k, j\u016bsu aizdevums dz\u012bves izdevumu seg\u0161anai tiek aptur\u0113ts.<\/span><\/span><\/p>\n

No otras puses, ja j\u016bsu ien\u0101kumi p\u0101rsniedz noteikto ien\u0101kumu slieksni, jums nav j\u0101uztraucas ar\u012b par savu ikm\u0113ne\u0161a bud\u017eetu. Vienk\u0101r\u0161i, uztur\u0113\u0161anas aizdevuma iemaksa b\u016bs tikai
\n 9 % no summas, par kuru j\u016bs p\u0101rsniedz\u0101t \u0161o slieksni.<\/span>
\n<\/strong> Skatiet, k\u0101 tas izskat\u0101s piem\u0113r\u0101:<\/span><\/p>\n\n\n\n\n\n
\n
\n Ien\u0101kumu slieksnis<\/strong>
\n <\/span>\n<\/td>\n		\n
\n J\u016bsu parauga izpe\u013c\u0146a<\/strong>
\n <\/span>\n<\/td>\n		\n
\n P\u0101rpalikums<\/strong>
\n <\/span>\n<\/td>\n		\n
\n Maks\u0101jam\u0101 iemaksa<\/strong>
\n <\/span>\n<\/td>\n<\/tr>\n
\n Darbs Anglij\u0101<\/strong>\n<\/td>\n\n \u00a325000<\/span>\n<\/td>\n\n \u00a32500\/m-c<\/span>\n<\/td>\n\n \u00a3400\/m-c<\/span>\n<\/td>\n\n 400*9% = \u00a336<\/span>\n<\/td>\n<\/tr>\n
\n Darbs Polij\u0101<\/strong>\n<\/td>\n\n \u00a315000 (73000 z\u0142)<\/span>\n<\/td>\n\n 7000 z\u0142\/m-c<\/span>\n<\/td>\n\n 1000 z\u0142\/m-c<\/span>\n<\/td>\n\n 1000 * 9% = 90z\u0142<\/span>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

K\u0101 redzat, apr\u0113\u0137in\u0101t\u0101 summa ir neliela sal\u012bdzin\u0101jum\u0101 ar j\u016bsu sa\u0146emto algu. \u0160\u012b iemesla d\u0113\u013c noteikti ir v\u0113rts pieteikties Uzturl\u012bdzek\u013cu aizdevumam. Vienk\u0101r\u0161i ar papildu l\u012bdzek\u013ciem var\u0113siet pavad\u012bt vair\u0101k laika, m\u0101coties un izbaudot. <\/span><\/span>akad\u0113misk\u0101s dz\u012bves burv\u012bba<\/strong>
\n Lielbrit\u0101nij\u0101.<\/span>
\n<\/span><\/p>\n

Kas var sa\u0146emt uztur\u0113\u0161anas aizdevumu?<\/strong><\/span><\/h2>\n

Tom\u0113r uztur\u0113\u0161anas aizdevums nav piem\u0113rots ikvienam. To var izmantot tikai cilv\u0113ki ar <\/span>Migr\u0113jo\u0161\u0101 darba \u0146\u0113m\u0113ja statuss<\/a><\/strong><\/span>. Kas taj\u0101 ietilpst un k\u0101 to ieg\u016bt? M\u0113s jau paskaidrojam!<\/span><\/span><\/p>\n


\n ES migr\u0113jo\u0161ais darba \u0146\u0113m\u0113js<\/b>
\n<\/span> ir statuss, ko pie\u0161\u0137ir Eiropas Ekonomikas zonas pilso\u0146iem, kuri atbilst \u0161\u0101diem krit\u0113rijiem:<\/span><\/span><\/p>\n

– ir nodarbin\u0101ti Apvienotaj\u0101 Karalist\u0113 ar<\/span>
\n uz nepilnu slodzi <\/b>
\n<\/span>vai <\/span>
\n pilnas slodzes<\/b>
\n<\/span>,<\/span><\/span><\/p>\n

– darbs <\/span>
\n vismaz 15 stundas<\/b>
\n<\/span> ned\u0113\u013c\u0101 (lai gan bie\u017ei vien pietiek ar 10 stund\u0101m),<\/span><\/span><\/p>\n

– Apvienotaj\u0101 Karalist\u0113 nep\u0101rtraukti str\u0101d\u0101t vismaz.<\/span>
\n 3 m\u0113ne\u0161us<\/b>
\n<\/span>,<\/span><\/span><\/p>\n

– Gada ien\u0101kumi ir vismaz
\n \u00a37550 gad\u0101<\/span>
\n<\/strong> (lai gan daudzos gad\u012bjumos pietiek ar maz\u0101ku summu).<\/span><\/p>\n

\"uztur\u0113\u0161anasTas noz\u012bm\u0113, ka ar <\/span>
\n Uztur\u0113\u0161anas aizdevums<\/b>
\n<\/span> j\u016bs varat pieteikties tikai tad, ja Apvienotaj\u0101 Karalist\u0113 esat str\u0101d\u0101jis vismaz 3 m\u0113ne\u0161us bez p\u0101rtraukuma. vietn\u0113
\n Edu4u<\/span>
\n<\/a>tom\u0113r m\u0113s zin\u0101m, ka vislab\u0101k\u0101s izredzes sa\u0146emt uzturl\u012bdzek\u013cu aizdevumu ir tiem, kuri Anglij\u0101 ir str\u0101d\u0101ju\u0161i aptuveni 3-8 m\u0113ne\u0161us.<\/span><\/span><\/p>\n

Atcerieties ar\u012b to, ka p\u0113c tam, kad jums ir pie\u0161\u0137irts uzturl\u012bdzek\u013cu aizdevums, jums ir j\u0101turpina str\u0101d\u0101t pietiekami daudz stundu (10-15 stundas ned\u0113\u013c\u0101 ir piln\u012bgi pietiekami). Lai sa\u0146emtu n\u0101kam\u0101s aizdevuma da\u013cas, jums b\u016bs j\u0101iesniedz pier\u0101d\u012bjumi Studentu finan\u0161u sabiedr\u012bbai, ka j\u016bs joproj\u0101m atbilstat nepiecie\u0161amajiem krit\u0113rijiem.<\/span><\/p>\n

Tom\u0113r, \u0146emot
\n Migr\u0113jo\u0161\u0101 darba \u0146\u0113m\u0113ja statuss<\/span>
\n<\/a> ir tikai viens no nosac\u012bjumiem, lai sa\u0146emtu aizdevumu dz\u012bves izdevumu seg\u0161anai. K\u0101di ir p\u0101r\u0113jie?<\/span><\/p>\n

Pirmk\u0101rt, ja v\u0113laties sa\u0146emt Uzturl\u012bdzek\u013cu aizdevumu, jums ir. <\/span>
\n p\u0101rcelties uz Apvienoto Karalisti l\u012bdz 1. septembrim<\/b>
\n<\/span> gad\u0101, kad s\u0101kat m\u0101c\u012bbas. Tas ir saist\u012bts ar to, ka uzturl\u012bdzek\u013cu aizdevumu parasti pie\u0161\u0137ir cilv\u0113kiem, kuri ieradu\u0161ies Anglij\u0101 galvenok\u0101rt str\u0101d\u0101t, nevis tikai stud\u0113t (t\u0101p\u0113c vi\u0146iem ir nepiecie\u0161ams migr\u0113jo\u0161\u0101 darba \u0146\u0113m\u0113ja statuss). Ir v\u0113rts iepriek\u0161 sa\u0146emt apstiprin\u0101jumu, ka esat ieradies Apvienotaj\u0101 Karalist\u0113. T\u0101 var b\u016bt lidma\u0161\u012bnas bi\u013cete, dz\u012bvok\u013ca \u012bres l\u012bgums un pat maks\u0101jumu karte, kas ieg\u0101d\u0101ta pirms 1. septembra un tie\u0161i 1. septembr\u012b. Nenov\u0113rt\u0113jiet \u0161o st\u0101vokli par zemu! Ja 1. septembr\u012b neb\u016bsiet Anglij\u0101, j\u016bsu iesp\u0113ja sa\u0146emt aizdevumu dz\u012bves izdevumu seg\u0161anai b\u016bs zudusi!<\/span><\/span><\/p>\n

K\u0101p\u0113c 1. septembra datums ir tik svar\u012bgs, ja pirm\u0101s nodarb\u012bbas s\u0101ksies tikai p\u0113c vair\u0101k\u0101m ned\u0113\u013c\u0101m? Vienk\u0101r\u0161i \u0161\u012b diena tiek uzskat\u012bta par akad\u0113misk\u0101 gada s\u0101kumu Lielbrit\u0101nij\u0101.<\/span><\/p>\n

Uzturl\u012bdzek\u013cu aizdevums ir lielisks risin\u0101jums, lai nodro\u0161in\u0101tu jums atbilsto\u0161u dz\u012bves l\u012bmeni, kam\u0113r.<\/span>
\n stud\u0113jot Apvienotaj\u0101 Karalist\u0113<\/b>
\n<\/span>. Lai gan pieteikties finans\u0113jumam nav tas vienk\u0101r\u0161\u0101kais, m\u0113s esam p\u0101rliecin\u0101ti, ka ar
\n Edu4u<\/span>
\n<\/a>, j\u016bs sa\u0146emsiet aizdevumu, lai dz\u012bvotu Anglij\u0101.11.<\/span><\/span><\/p>\n

<\/strong><\/h2>\n

Uzturl\u012bdzek\u013cu aizdevuma skaidrojums: j\u016bsu atsl\u0113ga uz pieejamu dz\u012bvesvietu Apvienotaj\u0101 Karalist\u0113 <\/strong><\/h2>\n

Uzs\u0101kot augst\u0101k\u0101s izgl\u012bt\u012bbas ieg\u016b\u0161anu Apvienotaj\u0101 Karalist\u0113, bie\u017ei vien rodas ba\u017eas par finansi\u0101lo ilgtsp\u0113ju, jo \u012bpa\u0161i attiec\u012bb\u0101 uz uztur\u0113\u0161an\u0101s izdevumu seg\u0161anu. Iesp\u0113ja apvienot akad\u0113misk\u0101s saist\u012bbas ar ikdienas dz\u012bves finansi\u0101laj\u0101m pras\u012bb\u0101m var \u0161\u0137ist bied\u0113jo\u0161a. Uzturl\u012bdzek\u013cu aizdevums, kas ir vald\u012bbas atbalst\u012bta finansi\u0101l\u0101 atbalsta programma, ir k\u0101 cer\u012bbu stars, kas studentiem sniedz tik \u013coti vajadz\u012bgo atbalstu, lai segtu dz\u012bves izmaksas Apvienotaj\u0101 Karalist\u0113.<\/span><\/p>\n

\"Skaist\u0101k\u0101sUzturl\u012bdzek\u013cu aizdevums ir \u012bpa\u0161i paredz\u0113ts, lai atvieglotu finansi\u0101lo slogu, kas saist\u012bts ar
\n uztur\u0113\u0161an\u0101s izdevumiem<\/span>
\n<\/a>, piem\u0113ram, m\u0101jok\u013ca, p\u0101rtikas, komun\u0101lo pakalpojumu un transporta izdevumu seg\u0161anai. Sniedzot \u0161o b\u016btisko atbalstu, aizdevums \u013cauj studentiem piln\u012bb\u0101 koncentr\u0113ties uz m\u0101c\u012bb\u0101m, maksim\u0101li izmantojot savu m\u0101c\u012bbu potenci\u0101lu un sasniedzot izgl\u012bt\u012bbas m\u0113r\u0137us.<\/span><\/p>\n

Aizdevuma summa tiek noteikta, pamatojoties uz j\u016bsu m\u0101jsaimniec\u012bbas ien\u0101kumiem, t\u0101d\u0113j\u0101di nodro\u0161inot, ka finansi\u0101l\u0101 pal\u012bdz\u012bba tiek piel\u0101gota j\u016bsu individu\u0101laj\u0101m vajadz\u012bb\u0101m. \u0160\u012b individualiz\u0113t\u0101 pieeja nodro\u0161ina, ka studenti sa\u0146em atbilsto\u0161a l\u012bme\u0146a atbalstu, nov\u0113r\u0161ot finansi\u0101lo spriedzi, kas kav\u0113 vi\u0146u akad\u0113misko progresu.<\/span><\/p>\n

Uztur\u0113\u0161anas aizdevuma galvenie ieguvumi:<\/b><\/p>\n