{"id":55379,"date":"2020-01-19T00:00:00","date_gmt":"2020-01-18T21:00:00","guid":{"rendered":"https:\/\/prohoster.info\/blog\/blog_prohoster\/interesnyj-proekt-v-druzhnoj-komande-ili-skolko-stoit-nuzhnyj-rabotnik"},"modified":"2020-02-18T14:03:29","modified_gmt":"2020-02-18T11:03:29","slug":"interesnyj-proekt-v-druzhnoj-komande-ili-skolko-stoit-nuzhnyj-rabotnik","status":"publish","type":"post","link":"https:\/\/prohoster.info\/sq\/blog\/news\/interesnyj-proekt-v-druzhnoj-komande-ili-skolko-stoit-nuzhnyj-rabotnik","title":{"rendered":"Nj\u00eb projekt interesant n\u00eb nj\u00eb ekip miq\u00ebsor, ose sa kushton punonj\u00ebsi i nevojsh\u00ebm?","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

N\u00eb disa artikuj \u00ebsht\u00eb p\u00ebrmendur fraza \"zhvilluesit e IT po han\u00eb shum\u00eb\", dhe zgjidhjet p\u00ebr problemin e till\u00eb:
\nPra, detyrat interesante q\u00eb lejojn\u00eb zhvillimin e aft\u00ebsive n\u00eb nj\u00eb mjedis t\u00eb rehatsh\u00ebm organizatash ruse jan\u00eb nj\u00eb kund\u00ebrshtim i shk\u00eblqyer ndaj t\u00ebrheqjes s\u00eb pagave t\u00eb larta n\u00eb SHBA dhe Evrop\u00eb.
\n<\/i>
\nPo,
\nBaba, \u00e7far\u00eb do t\u00eb ham\u00eb sot?
\nAsgj\u00eb, po punoj n\u00eb nj\u00eb projekt interesante n\u00eb nj\u00eb ekip miq\u00ebsor.<\/i><\/p>\n

N\u00eb lidhje me k\u00ebt\u00eb, lind pyetja, \"shum\u00eb\" \u2013 sa \u00ebsht\u00eb kjo? Do thot\u00eb, detyrat interesante jan\u00eb t\u00eb shk\u00eblqyera, por do t\u00eb doja t\u00eb sakt\u00ebsoj marr\u00ebdh\u00ebnien midis shpenzimeve dhe t\u00eb ardhurave.
\nPra, le t\u00eb imagjinojm\u00eb nj\u00eb t\u00eb ri John, le t\u00eb themi 23 vje\u00e7, sapo ka sh\u00ebrbyer vendit, me nj\u00eb diplom\u00eb t\u00eb lart\u00eb.
\n\u00c7far\u00eb i nevojitet atij q\u00eb t\u00eb punoj\u00eb me sukses, t\u00eb jetoj\u00eb dhe t\u00eb punoj\u00eb, p\u00ebr t\u00eb ruajtur dhe shum\u00ebfishuar popullat\u00ebn e John-\u00ebve?<\/p>\n

TLDR \u2013 sa her\u00eb q\u00eb shfaqet pyetja p\u00ebr hipotek\u00ebn, f\u00ebmij\u00ebt dhe pensionin e garantuar, niveli i pag\u00ebs rritet n\u00eb 300 mij\u00eb rubla n\u00eb muaj \"n\u00eb dor\u00eb\".<\/u> N\u00eb t\u00eb kund\u00ebrt, nuk ka garanci p\u00ebr riprodhimin e popullsis\u00eb me kualifikim t\u00eb lart\u00eb.
\nMinimumi.<\/p>\n

\"Nj\u00eb
\n
\n<\/a><\/noindex>
\nMinimum.<\/b>
\nNevojat fillestare sipas piramid\u00ebs s\u00eb Maslow jan\u00eb t\u00eb njohura \u2014 ushqimi, uji, ngrohja dhe pushimi.
\nT\u00eb gjitha nevojat e tjera t\u00eb tipit \"autorealizimi\" shfaqen n\u00eb fazat pasuese.<\/p>\n

P\u00ebrkat\u00ebsisht, p\u00ebr Mosk\u00ebn, k\u00ebto shifra do t\u00eb jen\u00eb:
\nQeveria e Mosk\u00ebs vendos t\u00eb p\u00ebrcaktoj\u00eb shum\u00ebn e minimumit jet\u00ebsor n\u00eb qytetin e Mosk\u00ebs p\u00ebr Tremujorin e par\u00eb t\u00eb vitit 2019 p\u00ebr p\u00ebr person\u2026 p\u00ebr popullat\u00ebn punuese \u2014 19351 rubla. <\/i>
\nTa rrethojm\u00eb n\u00eb 20 mij\u00eb.
\nN\u00eb k\u00ebt\u00eb shum\u00eb duhet t\u00eb shtohet kostoja e qiras\u00eb p\u00ebr nj\u00eb apartament me nj\u00eb dhom\u00eb: p\u00ebr zona t\u00eb ndryshme t\u00eb Mosk\u00ebs shifrat variatojn\u00eb, por duke marr\u00eb parasysh tarifat komunale, mund t\u00eb gjeni nj\u00eb apartament me nj\u00eb dhom\u00eb jasht\u00eb MKAD p\u00ebr rreth 35 mij\u00eb rubla n\u00eb muaj.
\nSigurisht, mund t\u00eb merrni nj\u00eb apartament edhe m\u00eb t\u00eb lir\u00eb, diku jasht\u00eb MKAD, dhe t\u00eb udh\u00ebtoni deri n\u00eb zyr\u00eb p\u00ebr 1.5 \u2014 2 or\u00eb, dhe po aq kthimi. P\u00ebr punonj\u00ebsit m\u00eb t\u00eb vet\u00ebdijsh\u00ebm, kam par\u00eb tashm\u00eb oferta p\u00ebr \"banuar n\u00eb Qendrat e T\u00eb Dh\u00ebnave\".
\nN\u00eb shpenzime duhet t\u00eb shtohet dhe transporti. Sipas faqes s\u00eb Mosgortransit \"Ejedhur\", nj\u00eb bilet\u00eb p\u00ebr 90 dit\u00eb kushton 5430 rubla, ose 1810 rubla n\u00eb muaj.
\nPra: 20 + 35 + 1.8 = 56.8 mij\u00eb. Minimal. <\/b>
\nP\u00ebrve\u00e7 k\u00ebsaj, \u00ebsht\u00eb e nevojshme t\u00eb kursejm\u00eb nj\u00eb shum\u00eb parash p\u00ebr pushime n\u00eb Turqi (kjo \u00ebsht\u00eb m\u00eb e p\u00ebrballueshme se n\u00eb Krime, n\u00ebse, sigurisht, paketa nuk financohet nga pun\u00ebdh\u00ebn\u00ebsi), sh\u00ebndet\u00ebsin\u00eb jasht\u00eb DMS-s\u00eb, si dhe dhurata dhe blerje t\u00eb tjera.
\nT\u00eb rreshqasim minimumin n\u00eb 60 mij\u00eb rubla, dhe n\u00eb vend t\u00eb pushimeve t\u00eb shkojm\u00eb n\u00eb dacha.<\/p>\n

Dhe mbi minimumin<\/b>
\nLe t\u00eb supozojm\u00eb se 'jun' yn\u00eb d\u00ebshiron t\u00eb l\u00ebr\u00eb pas vetes
\nA) Nj\u00eb kujtim n\u00eb form\u00eb f\u00ebmij\u00ebsh, t\u00eb cil\u00ebt kan\u00eb nj\u00eb arsim konkurrues n\u00eb tregun e pun\u00ebs.
\nB) Dhe ai vet\u00eb d\u00ebshiron t\u00eb jetoj\u00eb n\u00eb pension, ndonj\u00ebher\u00eb.
\nP\u00ebr k\u00ebt\u00eb ai do t\u00eb duhet
\n1) T\u00eb kursej\u00eb p\u00ebr pages\u00ebn fillestare t\u00eb hipotek\u00ebs
\n2) T\u00eb paguaj\u00eb k\u00ebt\u00eb hipotek\u00eb
\n3) T\u00eb ket\u00eb t\u00eb ardhura p\u00ebr t\u00eb pakt\u00ebn dy f\u00ebmij\u00eb dhe nj\u00eb grua p\u00ebrkoh\u00ebsisht jo t\u00eb pun\u00ebsuar
\n4) T\u00eb kurs\u00ebj\u00eb p\u00ebr nj\u00eb fond personal t\u00eb pensionit<\/p>\n

Brenda cilave afate duhet ta b\u00ebj\u00eb k\u00ebt\u00eb? Po, gjith\u00e7ka \u00ebsht\u00eb th\u00ebn\u00eb prej koh\u00ebsh, n\u00eb RF punonj\u00ebsi n\u00eb 45 vje\u00e7 do t\u00eb konsiderohet 'i vjet\u00ebr', mosha reale e pun\u00ebs \u00ebsht\u00eb nga 23 deri n\u00eb 45 vje\u00e7.
\nPra, le ta b\u00ebjm\u00eb thjesht\u00eb: 3 vjet p\u00ebr t\u2019u kursyer p\u00ebr pages\u00ebn e par\u00eb, 10 vjet p\u00ebr t\u00eb mbyllur hipotek\u00ebn dhe 10 vjet p\u00ebr t\u2019u kursyer p\u00ebr nj\u00eb pension personal.
\nN\u00eb 46 vjet, do t\u00eb jet\u00eb relativisht e sigurt t\u00eb shikosh n\u00eb t\u00eb ardhmen (n\u00ebse qasja ndaj mbrojtjes s\u00eb investimeve \u00ebsht\u00eb e duhur). Si q\u00ebndron situata n\u00eb RF n\u00eb lidhje me mbrojtjen e investimeve n\u00eb fondet pensional dhe \u00e7far\u00eb \u00ebsht\u00eb rendimentin e NPF-ve? <\/p>\n

P\u00ebr t\u00eb vler\u00ebsuar kostot dhe dimensionet e hipotek\u00ebs, le t\u00eb marrim Ligjin Federal t\u00eb dat\u00ebs 30.12.2012 N 283-FZ (si\u00e7 \u00ebsht\u00eb rregulluar m\u00eb 01.10.2019) \u00abP\u00ebr garancit\u00eb sociale p\u00ebr punonj\u00ebsit e disa organeve federale t\u00eb pushtetit ekzekutiv dhe p\u00ebr ndryshimet n\u00eb akte t\u00eb tjera ligjore t\u00eb Federat\u00ebs Ruse\u00bb.
\nNeni 7. Norma e dh\u00ebnies s\u00eb sip\u00ebrfaqes s\u00eb apartamentit t\u00eb banuar
\n1. Norma e dh\u00ebnies s\u00eb sip\u00ebrfaqes s\u00eb apartamentit n\u00eb pron\u00ebsi ose me nj\u00eb marr\u00ebveshje t\u00eb qiras\u00eb sociale \u00ebsht\u00eb:
\n1) 33 metra katror\u00eb sip\u00ebrfaqe totale e apartamentit \u2014 p\u00ebr nj\u00eb person;
\n2) 42 metra katror\u00eb sip\u00ebrfaqe totale e apartamentit \u2014 p\u00ebr nj\u00eb familje me dy persona;
\n3) 18 metra katror\u00eb sip\u00ebrfaqe totale e apartamentit p\u00ebr \u00e7do an\u00ebtar t\u00eb familjes \u2014 p\u00ebr nj\u00eb familje me tre ose m\u00eb shum\u00eb persona.<\/p>\n

<\/i>Pra, p\u00ebr 4 persona nevojiten 18*4 = 72 metra.
\nKostoja e nj\u00eb apartamenti n\u00eb Mosk\u00eb \u00ebsht\u00eb, sipas t\u00eb dh\u00ebnave nga nj\u00eb faqe e rast\u00ebsishme:
\napartamente me tre dhoma \u2014 85.08 m(2) \/ 204.57 t.k. p\u00ebr met\u00ebr katror.
\nT\u00eb rumbullakosim posht\u00eb deri n\u00eb 200 mij\u00eb lek\u00eb, at\u00ebher\u00eb kostoja totale do t\u00eb jet\u00eb:
\n200 (mij\u00eb) * 85 = 17.000.000. Shtat\u00ebmb\u00ebdhjet\u00eb milion lek\u00eb.
\n20% e kostos p\u00ebr pages\u00ebn e par\u00eb \u00ebsht\u00eb 3.400.000 pa p\u00ebrshkrimin e sigurimeve. <\/p>\n

Sipas udh\u00ebzimeve, p\u00ebr pages\u00ebn e par\u00eb duhet t\u00eb kursejm\u00eb p\u00ebr tre vjet dhe t\u00eb mbyllim hipotek\u00ebn brenda 10 vjet\u00ebsh.
\nPagesa e par\u00eb prej 20% do t\u00eb jet\u00eb 3.400.000. N\u00ebse duam t\u00eb kursejm\u00eb p\u00ebr pages\u00ebn e par\u00eb brenda tre vjet\u00ebsh, shuma e p\u00ebrvitshme e kursimeve me inflacion zero (ose me depozit\u00eb n\u00eb bank\u00eb me norm\u00eb pak m\u00eb posht\u00eb inflacionit real dhe pa marr\u00eb parasysh rritjen e \u00e7mimeve t\u00eb apartamenteve) \u00ebsht\u00eb p\u00ebrkat\u00ebsisht 1.133 mij\u00eb, mujorja \u2014 94 mij\u00eb lek\u00eb.<\/p>\n

Pas k\u00ebsaj, duhet t\u00eb llogarisim pages\u00ebn e hipotek\u00ebs. Hapim kalkulatorin e Sberbank dhe marrim:
\nShuma e kredis\u00eb 13 600 000 \u20bd
\nPagesa mujore 173 755 \u20bd
\nT\u00eb ardhurat e nevojshme 217 194 \u20bd
\nNorma e interesit 9,2 %<\/p>\n

Si\u00e7 duket, sipas mendimit t\u00eb Sberbank, diferenca nd\u00ebrmjet t\u00eb ardhurave dhe hipotek\u00ebs \u00ebsht\u00eb 217.194 \u2014 173.755 = 43.439 lek\u00eb. <\/p>\n

Tani, le ta llogarisim se sa duhet t\u00eb shtohet nga paga p\u00ebr gruan e papun\u00eb dhe dy f\u00ebmij\u00ebt.
\nKjo \u00ebsht\u00eb: 19.351 minimumi jet\u00ebsor p\u00ebr gruan dhe 14.647 p\u00ebr secilin f\u00ebmij\u00eb. Duke e rumbullakosur, plus 50 mij\u00eb lek\u00eb n\u00eb llogarin\u00eb e llogaritur t\u00eb hipotek\u00ebs.
\nPra, 217 194 + 50 000 = 267 mij\u00eb lek\u00eb. <\/p>\n

F\u00ebmij\u00ebt<\/b>
\nP\u00ebrve\u00e7 \"t\u00eb ushqyerit\", f\u00ebmij\u00ebt duhet \"t\u00eb m\u00ebsohen\".
\nLe t\u00eb shohim renditjen globale t\u00eb universiteteve \u2013 2019.
\nTHE:
\nMOSK\u00cb, 11 shtator \u2013 RIA Novosti. Universiteti Shtet\u00ebror i Mosk\u00ebs emri i Lomonosov u rendit m\u00eb i miri nd\u00ebr universitetet ruse n\u00eb renditjen globale Times Higher Education (THE) dhe hyri n\u00eb top-200, njoftoi sh\u00ebrbimi p\u00ebr shtyp t\u00eb Projektit 5-100.
\nMSU u ngrit n\u00eb vendin e 189, q\u00eb \u00ebsht\u00eb dhjet\u00eb vende m\u00eb lart se vitin e kaluar.
\nN\u00eb vendet e dyt\u00eb dhe t\u00eb tret\u00eb nd\u00ebr universitetet ruse jan\u00eb universitetet - pjes\u00ebmarr\u00ebs n\u00eb Projektin 5-100: MFTI (vendin 201-250) dhe NIU HSE (vendin 251-300)
\n<\/i><\/p>\n

CWUR:
\nSipas rezultateve t\u00eb pun\u00ebs mbi renditjen e re World University Rankings 2019-2020 nga Qendra p\u00ebr Renditjen e Universiteteve n\u00eb Bot\u00eb, Universiteti Shtet\u00ebror i Mosk\u00ebs emri i M.V.Lomonosov hyri n\u00eb qendr\u00ebn e par\u00eb prej 100 universiteteve m\u00eb t\u00eb mira n\u00eb bot\u00eb sipas cil\u00ebsis\u00eb s\u00eb arsimit. N\u00eb list\u00ebn e qendrave t\u00eb njohura universitare t\u00eb planetit, universiteti zuri vendin e 95-t\u00eb
\n<\/i><\/p>\n

Krijohet p\u00ebrshtypja se f\u00ebmij\u00ebt do t\u00eb duhet t\u00eb p\u00ebrgatiten q\u00eb n\u00eb mosh\u00eb t\u00eb re p\u00ebr t'u pranuar n\u00eb nj\u00eb universitet t\u00eb huaj, q\u00eb do t\u00eb thot\u00eb kurse t\u00eb detyrueshme t\u00eb gjuh\u00ebve t\u00eb huaja (ndoshta dhe dy), tutor\u00eb (p\u00ebrve\u00e7 EGT), dhe p\u00ebrgatitje p\u00ebr pranimin vet\u00eb.
\n\u00c7mimin mund t\u00eb llogariten vet\u00eb. <\/p>\n

Dua t\u00eb theksoj se n\u00eb llogarit\u00eb e p\u00ebrgjithshme nuk p\u00ebrfshihen sh\u00ebndet\u00ebsia (p\u00ebrve\u00e7 DMS), sigurimet p\u00ebr t\u00eb gjitha n\u00eb nj\u00eb, dhe kostoja e vet\u00ebarsimit (nuk do ta m\u00ebsoj\u00eb askush juniorin, dhe as jo juniorin - ndoshta do t\u00eb arrij\u00eb kushte m\u00eb t\u00eb mira). <\/p>\n

Probleme interessante, thoni?
\nT\u00eb zhvillohen dhe t\u00eb shumohen?
\nPo, sigurisht.
\nNuk do t\u00eb ket\u00eb p\u00ebrfundime - niveli i dyt\u00eb i piramid\u00ebs s\u00eb Maslow-it \u00ebsht\u00eb siguria dhe stabiliteti. <\/p>\n

\"Nj\u00eb
\n
Burimi: habr.com<\/a><\/p>","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

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