{"id":2593,"date":"2023-01-31T19:42:32","date_gmt":"2023-01-31T18:42:32","guid":{"rendered":"https:\/\/ingermania.ro\/?p=2593"},"modified":"2023-01-31T20:35:29","modified_gmt":"2023-01-31T19:35:29","slug":"bafog","status":"publish","type":"post","link":"https:\/\/ingermania.ro\/bafog\/","title":{"rendered":"BAf\u00f6G, tot ce trebuie s\u0103 \u0219ti\u021bi despre un \u00eemprumut pentru cursan\u021bi \u00een Germania!"},"content":{"rendered":"<p>BAf\u00f6G este acronimul de la Bundesausbildungsf\u00f6rderungsgesetz, Legea federal\u0103 de sprijinire a educa\u021biei. Datorit\u0103 BAf\u00f6G, fiecare persoan\u0103 &#8211; indiferent de situa\u021bia sa social\u0103 sau economic\u0103 &#8211; are \u0219ansa de a primi o educa\u021bie adecvat\u0103. Sprijinul educa\u021bional se aplic\u0103 nu numai studen\u021bilor, ci \u0219i elevilor. Este important de men\u021bionat c\u0103 nu este necesar\u0103 cet\u0103\u021benia german\u0103. \u00cen articolul urm\u0103tor v\u0103 vom spune cum \u0219i unde pute\u021bi solicita sprijin pentru educa\u021bie \u0219i c\u00e2t pute\u021bi primi pentru acesta.<\/p>\n<h3><strong>Cum \u0219i unde s\u0103 solicita\u021bi fonduri pentru un \u00eemprumut pentru cursan\u021bi \u00een Germania \u00een cadrul BAf\u00f6G?<\/strong><\/h3>\n<p>Cererea pentru BAf\u00f6G trebuie s\u0103 fie depus\u0103 \u00een scris la biroul responsabil cu sprijinul educa\u021bional (adic\u0103 finan\u021barea educa\u021biei). Este obligatoriu s\u0103 utiliza\u021bi formularele relevante (\u00a7 46 BAf\u00f6G), pe care le pute\u021bi g\u0103si aici: <a href=\"https:\/\/www.xn--bafg-7qa.de\/de\/alle-antragsformulare-432.php\" target=\"_blank\" rel=\"noopener noreferrer\">www.baf\u00f6g.de<\/a>. Cererea poate fi depus\u0103 de c\u0103tre persoana \u00een cauz\u0103 care a \u00eemplinit v\u00e2rsta de 15 ani sau de c\u0103tre tutorele legal al acesteia (articolul 36 din Codul social &#8211; SGB I). Acestea sunt birourile care sunt responsabile pentru sus\u021binerea educa\u021biei:<\/p>\n<ul>\n<li>Pentru <a href=\"https:\/\/ingermania.ro\/studii-in-germania-costuri-cerinte-cele-mai-importante-informatii\/\" target=\"_blank\" rel=\"noopener noreferrer\">studen\u021bi<\/a> va fi departamentul de afaceri studen\u021be\u0219ti al universit\u0103\u021bii la care s-au \u00eenmatriculat (\u00a7 45 alineatul 3 BAf\u00f6G), german\u0103. Studentenwerk<\/li>\n<li>Pentru cei care studiaz\u0103 la \u0219colile serale, la academiile profesionale sau \u00een timp ce fac Ausbildung, acesta va fi Biroul de sprijin pentru educa\u021bie (Amt f\u00fcr Ausbildungsf\u00f6rderung) din zona \u00een care se afl\u0103 locul de studiu (\u00a7 45 alin. 2 BAf\u00f6G)<\/li>\n<li>Pentru to\u021bi ceilal\u021bi, acesta va fi Biroul de Sprijin pentru Educa\u021bie al Prim\u0103riei din localitatea de re\u0219edin\u021b\u0103 a p\u0103rin\u021bilor (\u00a7 45 alin. 1 versetul 1 BAf\u00f6G)<\/li>\n<li>\u00cen anumite situa\u021bii excep\u021bionale, de exemplu, dac\u0103 p\u0103rin\u021bii nu mai sunt \u00een via\u021b\u0103, acesta va fi Biroul de sprijin pentru formare profesional\u0103 din districtul \u00een care stagiarul \u00ee\u0219i are re\u0219edin\u021ba permanent\u0103 [articolul 45 alineatul (1) linia 2 BAf\u00f6G].<\/li>\n<li>Pentru stagiarii care nu au re\u0219edin\u021ba permanent\u0103 \u00een Germania \u0219i ai c\u0103ror p\u0103rin\u021bi custozi nu au, de asemenea, re\u0219edin\u021ba permanent\u0103 \u00een Germania, acesta va fi biroul de sprijin pentru formare \u00een a c\u0103rui zon\u0103 se afl\u0103 locul de formare [\u00a7 45(1) linia 3 BAf\u00f6G].<\/li>\n<li style=\"list-style-type: none;\"><\/li>\n<\/ul>\n<h3><strong>C\u00e2t de mare este suma \u00eemprumutului pentru stagiari \u00een Germania?<\/strong><\/h3>\n<p>Valoarea unui \u00eemprumut german pentru stagiarii BAf\u00f6G depinde de nevoile fiec\u0103ruia. Cu toate acestea, nu este vorba despre nevoile sale reale, ci mai degrab\u0103 despre &#8222;nevoi abstracte&#8221;, adic\u0103 despre ceea ce, \u00een ochii legiuitorului, un elev\/student \u00eentr-o anumit\u0103 situa\u021bie de via\u021b\u0103 are nevoie pentru continuarea studiilor. \u00cen plus, cuantumul depinde \u0219i de locul de \u00eenv\u0103\u021b\u0103m\u00e2nt \u00een cauz\u0103 \u0219i de faptul dac\u0103 persoana \u00een cauz\u0103 locuie\u0219te \u00eenc\u0103 la p\u0103rin\u021bi.<\/p>\n<p>Odat\u0103 ce a fost stabilit\u0103 nevoia, din aceast\u0103 cifr\u0103 se deduc veniturile \u0219i activele solicitantului de \u00eemprumut, veniturile so\u021bului\/so\u021biei sau ale partenerului s\u0103u oficial de via\u021b\u0103 \u0219i ale p\u0103rin\u021bilor s\u0103i. Acest lucru se face exact \u00een aceast\u0103 ordine. \u00cen acela\u0219i timp, venitul nu trebuie asimilat cu salariul net sau brut. Acest lucru se datoreaz\u0103 faptului c\u0103 venitul este calculat \u00een conformitate cu sec\u021biunile 21, 22 \u0219i 24 BAf\u00f6G. Sumele neimpozabile permise de BAf\u00f6G (\u00a7\u00a7 23, 25 BAf\u00f6G) sunt deduse din acest venit calculat, iar suma r\u0103mas\u0103 reprezint\u0103 exact venitul relevant.<\/p>\n<h3><strong>\u00cen rezumat:<\/strong><\/h3>\n<p>Valoarea finan\u021b\u0103rii care poate fi primit\u0103 \u00een cadrul \u00eemprumutului este egal\u0103 cu nevoia calculat\u0103 \u00een conformitate cu dispozi\u021biile BAf\u00f6G, minus veniturile \u0219i activele solicitantului \u0219i minus veniturile \u0219i activele so\u021bului\/so\u021biei \u0219i ale p\u0103rin\u021bilor.<\/p>\n<h3><strong>Trebuie rambursat \u00eemprumutul BAf\u00f6G?<\/strong><\/h3>\n<p>Nu, studen\u021bii nu trebuie s\u0103 ramburseze \u00eemprumutul acordat \u00een cadrul BAf\u00f6G. Pentru studen\u021bi, situa\u021bia este u\u0219or diferit\u0103. Acest lucru se datoreaz\u0103 faptului c\u0103 acestea trebuie s\u0103 ramburseze aproximativ 50% din valoarea \u00eemprumutului, dar nu mai mult de 10.000 de euro. Rambursarea trebuie s\u0103 \u00eenceap\u0103 la aproximativ cinci ani de la absolvire. \u00cen acest caz, ve\u021bi primi o scrisoare de informare corespunz\u0103toare din partea biroului. BAf\u00f6G se ramburseaz\u0103 cel mai adesea \u00een rate, a c\u0103ror valoare minim\u0103 este de 105 euro pe lun\u0103. \u00cen cazul \u00een care o persoan\u0103 nu are venituri suficiente, rambursarea \u00eemprumutului poate fi am\u00e2nat\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BAf\u00f6G este acronimul de la Bundesausbildungsf\u00f6rderungsgesetz, Legea federal\u0103 de sprijinire a educa\u021biei. Datorit\u0103 BAf\u00f6G, fiecare persoan\u0103 &#8211; indiferent de situa\u021bia sa social\u0103 sau economic\u0103 &#8211; are \u0219ansa de a primi o educa\u021bie adecvat\u0103. Sprijinul educa\u021bional se aplic\u0103 nu numai studen\u021bilor, ci \u0219i elevilor. Este important de men\u021bionat c\u0103 nu este necesar\u0103 cet\u0103\u021benia german\u0103. \u00cen articolul [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2594,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[10],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.12 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BAf\u00f6G, tot ce trebuie s\u0103 \u0219ti\u021bi despre un \u00eemprumut pentru cursan\u021bi \u00een Germania! - InGermania<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ingermania.ro\/bafog\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BAf\u00f6G, tot ce trebuie s\u0103 \u0219ti\u021bi despre un \u00eemprumut pentru cursan\u021bi \u00een Germania! - InGermania\" \/>\n<meta property=\"og:description\" content=\"BAf\u00f6G este acronimul de la Bundesausbildungsf\u00f6rderungsgesetz, Legea federal\u0103 de sprijinire a educa\u021biei. Datorit\u0103 BAf\u00f6G, fiecare persoan\u0103 &#8211; indiferent de situa\u021bia sa social\u0103 sau economic\u0103 &#8211; are \u0219ansa de a primi o educa\u021bie adecvat\u0103. Sprijinul educa\u021bional se aplic\u0103 nu numai studen\u021bilor, ci \u0219i elevilor. 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