Chirongwa chinonakidza muchikwata chine hushamwari, kana kuti yakawanda sei iyo mushandi akakodzera inodhura?

Atova muzvinyorwa zvakati wandei mitsara senge "Vagadziri veIT vanodya zvakawandisa" uye mhinduro kumatambudziko akaita se:
Saka anonakidza mabasa anobvumidza iwe kukudziridza hunyanzvi munzvimbo yakagadzika yemasangano eRussia imhanzi yakanakisa yekukwezva kwemihoro yakakwira muUSA neEurope.

Zvakanaka hongu,
Baba todyei nhasi?
Zvakanaka, ndiri kushanda purojekiti inofadza muboka rinoshamwaridzana.

Panyaya iyi, mubvunzo wakamuka: "vazhinji" ndeipi? Kureva kuti, mabasa anonakidza akakura, asi ini ndodawo kujekesa reshiyo yemari kune mari.
Saka, ngatifungidzire mutsva wechidiki Zhdun Jun, zvichida ane makore makumi maviri nematatu, uyo achangobva kubhadhara chikwereti chake kunyika yake, ane dzidzo yepamusoro.
Chii chinodiwa kuti abudirire kushanda, kurarama nekushanda, kuchengetedza nekuwedzera huwandu hweJune?

TLDR - pakarepo nyaya yezvikwereti, vana uye guaranteed mudyandigere, mwero wemihoro inosvetukira ku300 zviuru rubles pamwedzi "paruoko".
Zvikasadaro, hapana vimbiso yekuberekazve kwehuwandu hwevanhu vane ruzivo rwakanyanya.

Minimum.
Izvo zvinodiwa zvakanyanya maererano nepiramidhi yaMaslow zvinozivikanwa - chikafu, mvura, kudziya uye kuzorora.
Zvose zvinotevera zvinodiwa zve "self-realization" mhando inoonekwa mumatanho anotevera.

Saizvozvowo, kuMoscow nhamba idzi dzichava:
Hurumende yeMoscow inosarudza kuisa mari yekugara muguta reMoscow kwekota yekutanga ye2019 per capita ... kune vanhu vanoshanda - 19351 rubles.
Ngatiunganidze kusvika zviuru makumi maviri.
Pamari iyi zvakakosha kuwedzera mari yekurenda imba yekamuri imwe: kumatunhu akasiyana eMoscow nhamba dzinochinja, asi, uchifunga nezve mabhiri ekushandisa, unogona kuwana imba yekamuri imwe isati yave pedyo neMoscow Ring Road ye. anenge 35 zviuru rubles pamwedzi.
Zvechokwadi, iwe unogona kurenda furati yakachipa, pane imwe nzvimbo kunze kweMoscow Ring Road, uye uende kuhofisi mumaawa 1.5 - 2, uye mari yakafanana kumashure. Kune vashandi vane hana kwazvo, ndatoona vacancies ne "pekugara mu data center".
Zvekufambisa zvinofanira kuwedzerwa kumitengo. Maererano nemutemo weMosgortranst, "Unified" yekufamba kwemazuva makumi mapfumbamwe inodhura 90 rubles, kana 5430 rubles pamwedzi.
Zvose: 20 + 35 + 1.8 = 56.8 zviuru. Minimum.
Mukuwedzera, iwe unofanirwa kuisa parutivi mari yezororo muTurkey (yakachipa kupfuura Crimea, kunze kwekunge chokwadi mushandirwi achibhadhara rwendo), mushonga kunze kweinishuwarenzi yehutano yekuzvidira, uye zvimwe zvipo uye kutenga.
Tichazvikomberedza kusvika kune zviuru makumi matanhatu zveRubles, uye panzvimbo yekuenda kuzororo tichaenda kunyika.

Uye pamusoro pehushoma
Ngatitii "jun" yedu inoda kusiya kumashure
A) Memory muchimiro chevana, uye nedzidzo inokwikwidza mumusika wevashandi.
B) Uye iye pachake anoda kurarama mukurega, zvichida neimwe nzira.
Kuti aite izvi achafanira
1) Chengetedza mari yekubhadhara pachikwereti
2) Bhadhara chikwereti ichocho
3)Kuwana mari yevana vaviri uye mukadzi akaremara kwenguva
4) Chengetedza homwe yepenjeni yako

Zvinotora nguva yakareba sei kuita izvi? Hongu, zvinhu zvose zvakataurwa kare kare, muRussian Federation mushandi wemakore makumi mana nemashanu achange atova "yekare", nguva chaiyo yekushanda inobva ku45 kusvika ku23 makore.
Saka, ngatizviitei zviri nyore: makore matatu kuunganidza mubhadharo wepasi, makore gumi ekuvhara remba uye makore gumi kuunganidza penjeni yako.
Pakazara, pazera re46 zvinokwanisika kutarisa mune ramangwana nechivimbo chakakwana (nenzira inokwanisa yekuchengetedzwa kwemari. mari yepenjeni isiri yenyika?)

Kuti tifungidzire mutengo uye saizi yechikwereti chemba, ngatitorei Federal Law No. 30.12.2012-FZ yaZvita 283, 01.10.2019 (yakagadziridzwa muna Gumiguru XNUMX, XNUMX) “Pakusimbisa magariro evashandi vezvimwe zviremera zvemubatanidzwa uye zvigadziriso kune mamwe maitiro emutemo. yeRussian Federation. "
Chisungo 7. Chimiro chekupa nzvimbo yekugara
1. Chimiro chekupa nzvimbo yekugara mumuridzi kana pasi pechibvumirano chekugara kwevanhu ndeichi:
1) 33 square metres yenzvimbo yese yekugara - pamunhu;
2) 42 square metres yenzvimbo yese yekugara - yemhuri yevanhu vaviri;
3) 18 mativi emamita enzvimbo yekugara yakakwana kune imwe neimwe nhengo yemhuri - yemhuri yevatatu kana kupfuura vanhu.

Total vanhu 4 unoda 18*4 = 72 mamita.
Mutengo wefurati muMoscow uri, maererano newebhusaiti yekutanga inouya:
makamuri matatu-makamuri - 85.08 m (2) / 204.57 rubles pamamita mana.
Ngatitenderedzei kusvika ku200 rubles, ipapo mutengo wakakwana uchave:
200 (chiuru) * 85 = 17.000.000. Mamiriyoni gumi nemanomwe rubles.
20% yemutengo wekubhadhara pasi ichave 3.400.000 pasina inishuwarenzi.

Zvinoenderana nenhanganyaya, iwe unofanirwa kuchengetedza mari yekubhadhara mukati memakore matatu, uye kuvhara iyo mortgage mumakore gumi.
Mari yekutanga ye20% ichave 3.400.000. Kana iwe uchida kuchengetedza mari yekubhadhara mukati memakore matatu, mari yegore negore pa zero inflation (kana kana uchiisa mubhangi pamwero wakaderera zvishoma pane inflation chaiyo uye usingafungi kuwedzera kwemutengo weimba) maererano 1.133 zviuru, pamwedzi - 94 zviuru rubles.

Mushure maizvozvi, tinofanira kuverenga mari yekubhadhara chikwereti. Vhura iyo Sberbank Calculator uye tora:
Mari yechikwereti 13 RUR
Kubhadhara kwemwedzi 173 RUR
Mari inodiwa RUB 217
Chibereko 9,2%

Nenzira, zvinosvika kuti, maererano neSberbank, iyo mari-mortgage musiyano ndeye 217.194 - 173.755 = 43.439 rubles.

Iye zvino ngativerengei kuti yakawanda sei inoda kuwedzerwa kumuhoro wemukadzi asingagoneki nevana vaviri.
Izvi ndezvi: 19351 mari yekurarama yemudzimai uye 14647 pamwana wega wega. Munhamba dzakatenderedza, pamwe ne50 zviuru zveRubles kune yakatsanangurwa mortgage kuverenga.
Zvose 217 + 194 = 50 zviuru rubles.

vana
Mukuwedzera ku“kudyisa,” vana vanofanira “kudzidziswa.”
Ngatitarisei mamiriro epasi rose emayunivhesiti - 2019.
THE:
MOSCOW, Gunyana 11 - RIA Novosti. Lomonosov Moscow State University yakave yakanakisa pakati pemayunivhesiti eRussia munyika chinzvimbo cheTimes Yepamusoro Dzidzo (THE) uye yakapinda pamusoro pe200, iyo press service yeProjekti 5-100 yakashuma.
MSU yakasimuka kusvika 189th chinzvimbo, inova zvinzvimbo gumi zvakakwirira kupfuura gore rapfuura.
Chechipiri uye chechitatu nzvimbo pakati mumayunivhesiti Russian anotorwa mumayunivhesiti kutora chikamu 5-100 Project: MIPT (chinzvimbo 201-250) uye National Research University Higher School of Economics (chinzvimbo 251-300)

CWUR:
Zvichienderana nemhedzisiro yebasa paWorld University Rankings 2019-2020 neCentre for World University Rankings, Lomonosov Moscow State University yakapinda zana repamusoro remayunivhesiti epamusoro pasi rose maererano nemhando yedzidzo. Yunivhesiti yakatora nzvimbo ye95th mune rondedzero yeanotungamira mayunivhesiti nzvimbo papasi

Zvinoita sekuti vana vachafanira kugadzirira kubva vachiri vadiki kuti vapinde kuyunivhesiti yekune dzimwe nyika, izvo zvinoreva makosi anosungirwa mumutauro wekune imwe nyika (kana kunyange maviri), varairidzi (kunze kweUniified State Exam), uye kugadzirira kubvuma pachako.
Iwe unogona kuverenga mutengo iwe pachako.

Ndinocherechedza kuti kuverenga kwese hakubatanidzi mishonga (kunze kwekuzvidira inishuwarenzi yehutano), inishuwarenzi yezvose panguva imwe chete, mari yekudzidzira iwe pachako (hapana munhu achadzidzisa junior, kana kunyange asiri junior, kana vakatiza. kuitira mamiriro ari nani).

Mabasa anonakidza, iwe unoti?
Kugadzira uye kuwanza?
Zvakanaka, hongu.
Pachave pasina mhedziso - yechipiri nhanho yeMaslow's piramidhi ndeyekuchengetedza uye kugadzikana.

Source: www.habr.com