Baghdarlama sharttaryna sәikes, 18 jasqa tolghan azamattar jinalghan qarajatty tek eki strategiyalyq manyzdy baghytqa baghyttay alady: baspana jaghdayyn jaqsartu jәne bilim alu.

Jalpy statistika mynaday dinamikany kórsetip otyr:

Baghdarlama bastalghaly 267 986 azamat búl mýmkindikti paydalanyp, 26 mlrd tengege juyq qarajatty baspana mәselesin sheshuge júmsady. Al tek 2026 jyldyng basynan beri 145 981 adam 17 mlrd tengeden astam jinaqty ýy alugha nemese ipotekalyq jýktemeni azaytugha baghyttaghan.

Oqu aqysyn tóleuge jәne bilim jinaqtaryn tolyqtyrugha 139 159 adam 13 mlrd tengege juyq qarajat alghan. Onyng ishinde 2026 jyly 65 767 jas azamat 8 mlrd tenge kólemindegi tólemdi paydalandy.

Anyqtama: 2026 jyldyng 9 aiynyng ózinde-aq baghdarlama ayasynda 211 748 azamat 26 mlrd tengeden astam (57,5 mln AQSh dollary) jinaghyn iske asyrghan. Búl jinaqtardy paydalanu belsendiligining jyldan-jylgha artyp kele jatqanyn aighaqtaydy.

Baspana nelikten bilimnen basym bolyp otyr?

Statistika kórsetkendey, jinaqtalghan qarajattyng ótinimderi boyynsha 65%-dan astamy baspanagha, al 35%-gha juyghy bilimge júmsaluda. Múnyng birneshe obektivti sebebi bar:

Ipotekalyq bastapqy jarnany tolyqtyru: 18 jasqa tolghan jastar ýshin búl qarajat «Otbasy bank» nemese basqa da ipotekalyq baghdarlamalar arqyly óz ýiine qol jetkizuding alghashqy demeui bolyp otyr.

Memlekettik granttardyng әseri: Qazaqstanda joghary bilimge bólinetin memlekettik granttar sany jyl sayyn artyp keledi. Grantqa týsken studentterge oqu aqysyn tóleuding qajettiligi bolmaghandyqtan, olar jinalghan kapitalyn bolashaq baspanasyna saqtaudy nemese tuystarynyng baspana jaghdayyn jaqsartugha baghyttaudy jón kóredi.

Jyljymaytyn mýlik qúnynyng ósui: Sharshy metr baghasynyng qymbattauy jastardy erte jastan óz ýiin qalyptastyrugha nemese túrghyn ýy zaemyn jabugha iytermeleydi.

Baghdarlamanyng úzaq merzimdi әleumettik ekonomikalyq tiyimdiligi

«Últtyq qor – balalargha» jobasy – búl jәy ghana әleumettik tólem emes, búl elding adam kapitalyna salynghan strategiyalyq investisiya.

Úrpaqtar sabaqtastyghy men әdildik: Últtyq qordyng investisiyalyq tabysynyng 50%-yn elding barlyq balalary arasynda teng bólu – últtyq baylyqty әdil bólisuding naqty mehanizmine ainaldy.

Qarjylyq sauattylyqty arttyru: 18 jasqa tolghanda naqty maqsatty kapitaly bar jas azamat erte bastan qarjylyq josparlaudy ýirenedi. Búl kapitaldy tútynushylyq nesiyege nemese oiyn-sauyqqa emes, tek bolashaqqa investisiyalaugha (ýy men bilim) rúqsat etilui – memleketting institusionaldyq dúrys sheshimi.

Qarjy jýiesin qoldau: Shygharylghan 39,5 mlrd tenge elding ishki ekonomikasyna (qúrylys sektorlaryna, otandyq jәne sheteldik bilim beru mekemelerine) qayta ainalymgha enedi.

Últtyq qordan bólingen 40 mlrd tengege juyq qarajattyng halyq iygiligine jarauy – jobanyng ómirshendigin kórsetedi. Áriyne, bala kezden bastap 18 jasqa deyin tolyq qatysqan bolashaq úrpaq ýshin búl summalar qazirgige qaraghanda edәuir kóp bolady.

Degenmen, qazirgi nәtiyjelerding ózi jastardyng eng basty eki qajettiligi – baspana tәuelsizdigi men bilim bәsekege qabilettiligin sheshuge ýlken serpin berip otyr. Memleket tarapynan múnday resurstardyng ashyq әri maqsatty júmsaluyn baqylau – últtyq túraqtylyqtyng basty kepili bolyp qala bermek.

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