{"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 pun\u00ebtori i k\u00ebrkuar?","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

N\u00eb disa artikuj \u00ebsht\u00eb p\u00ebrmendur fraza \"programuesit e IT po han\u00eb shum\u00eb\", dhe zgjidhjet p\u00ebr k\u00ebt\u00eb problem jan\u00eb t\u00eb tilla:
\nPra, detyrat interesante q\u00eb zhvillojn\u00eb aft\u00ebsit\u00eb n\u00eb nj\u00eb mjedis t\u00eb rehatsh\u00ebm t\u00eb organizatave ruse jan\u00eb nj\u00eb kund\u00ebrpesh\u00eb e 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, punoj n\u00eb nj\u00eb projekt interesant me nj\u00eb ekip t\u00eb bashkuar.<\/i><\/p>\n

N\u00eb k\u00ebt\u00eb kontekst lind pyetja: \"sa shum\u00eb\" \u2013 \u00ebsht\u00eb sa? Do t\u00eb thot\u00eb, detyrat interesante jan\u00eb t\u00eb shk\u00eblqyera, por do t\u00eb donim gjithashtu t\u00eb sqarojm\u00eb raportin e shpenzimeve - t\u00eb ardhurave.
\nPra, imagjinoni nj\u00eb t\u00eb ri t\u00eb sapodiplomuar, le t\u00eb themi 23 vje\u00e7, i cili sapo ka sh\u00ebrbyer vendit, me nj\u00eb diplom\u00eb universitare.
\n\u00c7far\u00eb \u00ebsht\u00eb e nevojshme q\u00eb ai t\u00eb punoj\u00eb me sukses, t\u00eb jetoj\u00eb dhe punoj\u00eb, p\u00ebr t\u00eb ruajtur dhe rritur popullsin\u00eb e sapodiplomuarve?<\/p>\n

TLDR - sa her\u00eb q\u00eb shfaqet \u00e7\u00ebshtja e hipotek\u00ebs, f\u00ebmij\u00ebve dhe pensionit t\u00eb<\/u> garantuar, niveli i pag\u00ebs p\u00ebrmblidhet deri n\u00eb 300 mij\u00eb rubla n\u00eb muaj \"n\u00eb dor\u00eb\".
\nN\u00eb t\u00eb kund\u00ebrt, nuk ka garanci p\u00ebr riprodhimin e nj\u00eb popullsie t\u00eb kualifikuar t\u00eb lart\u00eb.<\/p>\n

\"Nj\u00eb
\n
\n<\/a><\/noindex>
\nMimi.<\/b>
\nK\u00ebrkesat fillestare sipas piramid\u00ebs s\u00eb Maslou jan\u00eb t\u00eb njohura - ushqim, uj\u00eb, ngroht\u00ebsi dhe pushim.
\nT\u00eb gjitha k\u00ebrkesat e tjera si \"vet\u00ebrealizimi\" shfaqen n\u00eb nivelet e m\u00ebpasshme.<\/p>\n

P\u00ebrkat\u00ebsisht, p\u00ebr Mosk\u00ebn k\u00ebto numra do t\u00eb jen\u00eb:
\nQeveria e Mosk\u00ebs vendos t\u00eb p\u00ebrcaktoj\u00eb nivelin e minimumit jet\u00ebsor n\u00eb qytetin e Mosk\u00ebs p\u00ebr tremujorin e par\u00eb t\u00eb vitit 2019 p\u00ebr banor\u00eb... p\u00ebr populat\u00ebn e pun\u00ebsuar - 19351 rubla. <\/i>
\nT'i japim nj\u00eb rrounding n\u00eb 20 mij\u00eb.
\np\u00ebr k\u00ebt\u00eb shum\u00eb duhet t\u00eb shtojm\u00eb \u00e7mimin e qeras\u00eb s\u00eb nj\u00eb apartamenti me nj\u00eb dhom\u00eb: p\u00ebr zona t\u00eb ndryshme t\u00eb Mosk\u00ebs shifrat variojn\u00eb, por duke marr\u00eb parasysh shpenzimet komunale, mund t\u00eb gjejm\u00eb nj\u00eb apartament me nj\u00eb dhom\u00eb akoma p\u00ebrtej MKAD-it p\u00ebr rreth 35 mij\u00eb rubla n\u00eb muaj.
\nSigurisht, mund t\u00eb merrni nj\u00eb apartament edhe m\u00eb lir\u00eb, diku p\u00ebrtej MKAD-it, dhe t\u00eb udh\u00ebtoni n\u00eb zyr\u00eb p\u00ebr 1.5 - 2 or\u00eb, dhe aq po t\u00eb ktheni. P\u00ebr punonj\u00ebsit shum\u00eb t\u00eb vet\u00ebdijsh\u00ebm, kam par\u00eb tashm\u00eb shpallje t\u00eb pun\u00ebs me \"banim n\u00eb DC\".
\nP\u00ebr shpenzimet, duhet t\u00eb shtojm\u00eb transportin. Sipas faqes s\u00eb internetit t\u00eb Mosgortransit, nj\u00eb bilet\u00eb e p\u00ebrbashk\u00ebt p\u00ebr 90 dit\u00eb kushton 5430 rubla, ose 1810 rubla n\u00eb muaj.
\nPra, n\u00eb total: 20 + 35 + 1.8 = 56.8 mij\u00eb. Mimi. <\/b>
\nP\u00ebrve\u00e7 k\u00ebsaj, \u00ebsht\u00eb e nevojshme t\u00eb kursejm\u00eb nj\u00eb sasi parash p\u00ebr pushime n\u00eb Turqi (kjo \u00ebsht\u00eb m\u00eb e lira se Krimea, n\u00ebse sigurisht q\u00eb udh\u00ebtimi nuk paguhet nga pun\u00ebdh\u00ebn\u00ebsi), mjek\u00ebsin\u00eb jasht\u00eb DMS, dhe dhurata e blerje t\u00eb tjera.
\nLe t\u00eb rroundojm\u00eb minimumin n\u00eb 60 mij\u00eb rubla, dhe n\u00eb vend t\u00eb pushimit t\u00eb shkojm\u00eb n\u00eb daxha.<\/p>\n

Dhe m\u00eb shum\u00eb se minimumi<\/b>
\nSupozoni se 'dzhun' yn\u00eb d\u00ebshiron t\u00eb l\u00ebr\u00eb pas vetes
\nA) Kujtimet n\u00eb form\u00eb f\u00ebmij\u00ebsh, me arsim konkurrues n\u00eb tregun e pun\u00ebs.
\nB) Dhe 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 p\u00ebr hipotek\u00ebn
\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 t\u00eb papun\u00eb
\n4) T\u00eb kursej\u00eb p\u00ebr nj\u00eb fond personal pensioni<\/p>\n

Cilat jan\u00eb afatet p\u00ebr t\u00eb b\u00ebr\u00eb k\u00ebt\u00eb? Po, gjith\u00e7ka \u00ebsht\u00eb th\u00ebn\u00eb prej nj\u00eb koh\u00eb, n\u00eb RF punonj\u00ebsi n\u00eb mosh\u00ebn 45 vje\u00e7are do t\u00eb jet\u00eb tashm\u00eb 'i vjet\u00ebr', mosha e v\u00ebrtet\u00eb e pun\u00ebs nga 23 deri n\u00eb 45 vje\u00e7.
\nK\u00ebshtu q\u00eb, le ta b\u00ebjm\u00eb thjesht: 3 vjet p\u00ebr akumulimin e pages\u00ebs fillestare, 10 vjet p\u00ebr p\u00ebrfundimin e hipotek\u00ebs dhe 10 vjet p\u00ebr akumulimin e pensionit personal.
\nPra, n\u00eb 46 vjet mund t\u00eb shikoni relativisht me siguri drejt t\u00eb ardhmes (me nj\u00eb qasje t\u00eb zgjuar p\u00ebr mbrojtjen e investimeve. \u00c7far\u00eb ndodh n\u00eb RF n\u00eb lidhje me mbrojtjen e investimeve n\u00eb fondet pensionale dhe cilat jan\u00eb p\u00ebrfitimet e NPF?) <\/p>\n

P\u00ebr t\u00eb vler\u00ebsuar koston dhe p\u00ebrmasat e hipotek\u00ebs, do t\u00eb marrim Ligjin Federal Nr. 283-FZ t\u00eb dat\u00ebs 30.12.2012 (red. nga 01.10.2019) 'P\u00ebr garantimin social t\u00eb punonj\u00ebsve t\u00eb disa organeve federale ekzekutive dhe ndryshimeve n\u00eb aktet e tjera ligjore t\u00eb Federat\u00ebs Ruse'.
\nNeni 7. Norma e dh\u00ebnies s\u00eb sip\u00ebrfaqes s\u00eb banes\u00ebs
\n1. Norma e dh\u00ebnies s\u00eb sip\u00ebrfaqes s\u00eb banes\u00ebs n\u00eb pron\u00ebsi ose sipas kontrat\u00ebs s\u00eb qiras\u00eb sociale \u00ebsht\u00eb:
\n1) 33 metra katror\u00eb sup\u00ebrfaqe t\u00eb p\u00ebrgjithshme t\u00eb banes\u00ebs - p\u00ebr nj\u00eb person;
\n2) 42 metra katror\u00eb sup\u00ebrfaqe t\u00eb p\u00ebrgjithshme t\u00eb banes\u00ebs - p\u00ebr nj\u00eb familje me dy persona;
\n3) 18 metra katror\u00eb sup\u00ebrfaqe t\u00eb p\u00ebrgjithshme t\u00eb banes\u00ebs p\u00ebr \u00e7do an\u00ebtar t\u00eb familjes - p\u00ebr nj\u00eb familje me tre ose m\u00eb shum\u00eb njer\u00ebz.<\/p>\n

<\/i>Si rezultat, p\u00ebr 4 persona nevojiten 18*4 = 72 metra.
\nKostoja e apartamentit n\u00eb Mosk\u00eb \u00ebsht\u00eb, sipas t\u00eb dh\u00ebnave t\u00eb nj\u00eb website-i t\u00eb rastit:
\napartamente tre kamb\u00ebsh - 85.08 m(2) \/ 204.57 mija rubla p\u00ebr met\u00ebr katror.
\nLe t\u00eb rroundojm\u00eb posht\u00eb n\u00eb 200 mija rubla, at\u00ebher\u00eb kostoja totale do t\u00eb jet\u00eb:
\n200 (mij\u00eb) * 85 = 17.000.000. Shtat\u00ebmb\u00ebdhjet\u00eb milion rubla.
\n20% e kostos p\u00ebr pages\u00ebn fillestare do t\u00eb jet\u00eb 3.400.000 pa llogaritur sigurimet <\/p>\n

Sipas informacioneve, \u00ebsht\u00eb e nevojshme t\u00eb grumbullohen mjetet p\u00ebr pages\u00ebn e par\u00eb brenda tre vjet\u00ebve dhe t\u00eb mbyllet hipoteka brenda 10 vjet\u00ebsh.
\nPagesa e par\u00eb prej 20% do t\u00eb jet\u00eb 3,400,000. N\u00ebse \u00ebsht\u00eb e nevojshme t\u00eb grumbullohet p\u00ebr pages\u00ebn e par\u00eb brenda tre vjet\u00ebve, kursimi vjetor me inflacion zero (ose me depozita n\u00eb bank\u00eb me nj\u00eb norm\u00eb t\u00eb vog\u00ebl n\u00ebn inflacionin e v\u00ebrtet\u00eb dhe pa marr\u00eb parasysh rritjen e \u00e7mimit t\u00eb apartamentit) \u00ebsht\u00eb p\u00ebrkat\u00ebsisht 1,133 mij\u00eb, ndihma mujore \u2014 94 mij\u00eb rubla.<\/p>\n

Pas k\u00ebsaj, duhet t\u00eb llogarisim pages\u00ebn e hipotek\u00ebs. Hapim kalkulatorin e Sberbank dhe marrim:
\nShuma e kredi \u00ebsht\u00eb 13,600,000 \u20bd
\nPagesa mujore \u00ebsht\u00eb 173,755 \u20bd
\nT\u00eb ardhurat e nevojshme jan\u00eb 217,194 \u20bd
\nNorma e interesit \u00ebsht\u00eb 9.2 %<\/p>\n

N\u00eb fakt, rezulton se sipas Sberbank, diferenca midis t\u00eb ardhurave dhe hipotek\u00ebs \u00ebsht\u00eb 217,194 \u2014 173,755 = 43,439 rubla. <\/p>\n

Tani le t\u00eb llogarisim sa \u00ebsht\u00eb e nevojshme t\u00eb shtohet n\u00eb pag\u00eb p\u00ebr gruan jo pun\u00ebtore dhe dy f\u00ebmij\u00eb.
\nKjo \u00ebsht\u00eb: 19,351 jet\u00eb minimale p\u00ebr gruan dhe 14,647 p\u00ebr secilin f\u00ebmij\u00eb. N\u00eb m\u00ebnyr\u00eb p\u00ebrfundimtare, plus 50 mij\u00eb rubla n\u00eb llogaritjen e caktuar t\u00eb hipotek\u00ebs.
\nPra, 217,194 + 50,000 = 267 mij\u00eb rubla. <\/p>\n

F\u00ebmij\u00ebt<\/b>
\nP\u00ebrve\u00e7 't\u00eb ushqyerit', f\u00ebmij\u00ebt duhet edhe 't\u00eb m\u00ebsohen'.
\nT\u00eb shohim n\u00eb renditjen bot\u00ebrore t\u00eb universiteteve \u2013 2019.
\nTHE:
\nMOSK\u00cb, 11 Sht \u2014 RIA Novosti. Universiteti Shtet\u00ebror i Mosk\u00ebs i em\u00ebrtuar pas Lomonosovit u rendit si m\u00eb i miri midis universiteteve ruse n\u00eb renditjen bot\u00ebrore t\u00eb Times Higher Education (THE) dhe hyri n\u00eb top-200, njoftuan n\u00eb sh\u00ebrbimin p\u00ebr shtyp t\u00eb Projektit 5-100.
\nMGU u ngjit n\u00eb pozit\u00ebn 189, q\u00eb \u00ebsht\u00eb dhjet\u00eb pozita m\u00eb lart se vitin e kaluar.
\nN\u00eb vendin e dyt\u00eb dhe t\u00eb tret\u00eb midis universiteteve ruse, jan\u00eb universitetet pjes\u00ebmarr\u00ebse t\u00eb Projektit 5-100: MFTI (pozita 201-250) dhe NIU HSE (pozita 251-300)
\n<\/i><\/p>\n

CWUR:
\nPas p\u00ebrfundimit t\u00eb pun\u00ebs mbi renditjen e re t\u00eb World University Rankings 2019-2020 nga Qendra p\u00ebr Renditjen Bot\u00ebrore t\u00eb Universiteteve (Center for World University Rankings), Universiteti Shtet\u00ebror i Mosk\u00ebs i em\u00ebrtuar pas M.V. Lomonosov hyri n\u00eb qindshen m\u00eb t\u00eb mir\u00eb t\u00eb universiteteve t\u00eb bot\u00ebs p\u00ebr cil\u00ebsin\u00eb e arsimit. N\u00eb renditjen e qendrave universitare kryesore 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\u00eb arritur n\u00eb nj\u00eb universitet t\u00eb huaj, q\u00eb do t\u00eb thot\u00eb kurse obligative p\u00ebr gjuh\u00ebn e huaj (madje edhe dy), m\u00ebsues privat\u00eb (p\u00ebrve\u00e7 EGJ), dhe p\u00ebrgatitje p\u00ebr pranimin vet\u00eb.
\nMund ta llogaritni vet\u00eb \u00e7mimin. <\/p>\n

V\u00ebrejtja ime \u00ebsht\u00eb se medicina (p\u00ebrve\u00e7 DMS) nuk \u00ebsht\u00eb p\u00ebrfshir\u00eb n\u00eb llogaritjen e p\u00ebrgjithshme, sigurimet p\u00ebr t\u00eb gjitha nj\u00ebher\u00ebsh, kostoja e vet\u00ebarsimit (askush nuk do t\u00eb m\u00ebsoj\u00eb nj\u00eb junior, madje as nj\u00eb jo-junior \u2014 ndoshta do t\u00eb largohet p\u00ebr kushte m\u00eb t\u00eb mira). <\/p>\n

Probleme interesante, po flisni?
\nT\u00eb zhvillosh dhe t\u00eb shumosh?
\nPo, tamam.
\nNuk do t\u00eb ket\u00eb p\u00ebrfundime \u2014 n\u00eb nivelin e dyt\u00eb t\u00eb piramid\u00ebs s\u00eb Maslow-it vjen 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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