Isibonelelo sezindlu esingxamisekileyo esifikelela kwi-$22.7 yezigidi eBogotá

Ukufikelela kwizindlu ngumba obalulekileyo kwiintsapho ezininzi eColombia. Ukufumana amathuba aququzelela ukuthenga ikhaya lakho yeyona nto iphambili. Kule meko, isibonelelo seBanco Caja Social ziindaba ezimnandi kakhulu.

Esi sibonelelo siyilelwe ukuxhasa iintsapho ekuthengeni izindlu ezifikelelekayo. Abantu abaninzi bafuna iindlela ezinokubanceda bafezekise iphupha lokuba nekhaya labo.

Inkqubo ethi ‘Reduce Tu Cuota’ lukhetho oluhle kakhulu kwabo bafuna ukuthenga ikhaya elitsha eBogotá. Apha ngezantsi kuchazwe ezona nkalo zibalulekileyo zeli nyathelo.

Isibonelelo esifikelela kwi-$22.7 yezigidi semali-mboleko yezindlu eBogotá – Banco Caja Social

Ukususela nge-3 kaFebruwari 2025, iBanco Caja Social yaqalisa inkqubo ethi ‘Reduce Tu Cuota’ emva kwesivumelwano sentsebenziswano neSecretaría Distrital del Hábitat. Esi sibonelelo sijoliswe kwiintsapho ezithenga ikhaya elitsha lodidi lwezindlu eziphambili ngokubaluleka (VIP) okanye izindlu zentlalo (VIS) eBogotá. Injongo yolu ncedo kukunciphisa isavenge senyanga semali-mboleko yezindlu kangangexesha elingadluliyo kwiinyanga ezingama-48.

Le nkqubo ibonelela ngesibonelelo esilingana nemivuzo ephantsi eyi-14 ngonyaka wokukhutshwa kwemali-mboleko, esilingana ne-$19.929.000 okwangoku. Le mali isasazwa ngeentlawulo zenyanga ze-$415.188. Kwizindlu ezinesiqinisekiso sokwakhiwa ngokuzinzileyo, inzuzo inyuka iye kwimivuzo ephantsi eyi-16, oko kukuthi, i-$22.776.000, ehlawulwa ngezavenge zenyanga ze-$474.500.

NgokukaElsa Patricia Manrique, usekela mongameli woPhuhliso lweShishini weBanco Caja Social: «KwiBanco Caja Social siyakuqonda ukubaluleka kokuxhasa abantu baseColombia kuhambo lwabo lokufumana amakhaya abo. ‘Reduce Tu Cuota’ ithomalalisa umthwalo wemali kwiintsapho yaye iqinisekisa uzinzo olukhulu lwezindlu. Esi sibonelelo sinokusetyenziselwa ukuhlawula sonke okanye inxalenye yesavenge senyanga semali-mboleko yezindlu; ukuba kukho imali eshiyekileyo, iya kufakwa kwimali eyinkunzi ekhoyo engekafiki ixesha lokuhlawulwa.»

Iimfuno zokufumana inkxaso-mali

Ukuze zifumane esi sibonelelo, iintsapho ezinomdla kufuneka zihlangabezane neemfuno ezithile. Ingeniso yazo yenyanga mayingadluli kwimivuzo ephantsi emi-4. Kwakhona, kufuneka zibe nemali-mboleko evunyiweyo yokuthenga ikhaya elitsha lodidi lweVIP okanye VIS eBogotá. Kubalulekile nokuba zingabi ngabanini bamanye amakhaya kwilizwe lonke, nokuba azizange zifumane izibonelelo zezindlu ngaphambili. Ukongezelela, akufunekanga zibe kwinkqubo yokufumana ezinye izibonelelo zokuhlawulelwa kwenzala okanye kwesavenge, ezifana neFRECH.

Abo banomdla wokufumana inzuzo kufuneka baqhagamshelane neBanco Caja Social baze baxele injongo yabo yokufaka isicelo sesibonelelo ngaphambi kokuba imali-mboleko ikhutshwe. Le nkqubo iquka ukuzalisa nokusayina iFormulario de Postulación al Subsidio Distrital de Vivienda Reduce Tu Cuota.

Iinzuzo zenkqubo ethi ‘Reduce Tu Cuota’

Inkqubo ethi ‘Reduce Tu Cuota’ yeBanco Caja Social inezibonelelo ezininzi kwiintsapho zaseColombia. Esi sibonelelo asikwenzi kube lula nje ukuthenga izindlu kuphela, kodwa sikwakhuthaza uzinzo lwezemali emakhayeni. Ngokunciphisa isavenge senyanga semali-mboleko yezindlu, iintsapho ziyakwazi ukusebenzisa imali yazo kwezinye iimfuno ezibalulekileyo, ezifana nemfundo nempilo.

Ngaphezu koko, ngokunyusa isibonelelo sezindlu ezinesiqinisekiso sokwakhiwa ngokuzinzileyo, kukhuthazwa uzinzo lokusingqongileyo nokusetyenziswa kweendlela zokwakha ezinoxanduva. Iintsapho zinokufumana izindlu ezingahlangabezani neemfuno zazo kuphela, kodwa ezikwakhathalele okusingqongileyo.

Ukubaluleka kwezindlu kuluntu lwaseColombia

EColombia, izindlu ngumba obaluleke kakhulu ngokwentlalo nangokwezoqoqosho. Iintsapho ezininzi zijamelene nomngeni wokufumana izindlu ezindilisekileyo nezifikelelekayo. Amanyathelo afana nesibonelelo seBanco Caja Social ayimpendulo esebenzayo kule meko, ebonelela abantu abaninzi ngamathuba okwenene.

Ukukhula kwezixeko kunye nemfuno yezindlu ezifikelelekayo zizinto eziphambili ezenza kubekho imfuneko yeenkqubo ezilula ukufikelela kuzo. Inkqubo ethi ‘Reduce Tu Cuota’ iyahambelana nezi njongo yaye ijolise ekukhuthazeni ukuthengwa kwezindlu ezihambelana neemfuno zabantu baseColombia.

Inkqubo yokufaka isicelo sesibonelelo

Ukufaka isicelo senkxaso-mali ethi ‘Reduce Tu Cuota’ yinkqubo ethi, nangona ifuna ingqalelo kwiinkcukacha, yenzelwe ukuba ifikeleleke. Iintsapho ezinomdla kufuneka zilandele amanyathelo athile acacileyo. Okokuqala, kufuneka ziqinisekise ukuba ziyazifezekisa iimfuno ezithile ezichazwe ngasentla. Emva koko, kubalulekile ukuba zinxibelelane neBanco Caja Social ukuze zifumane ulwazi olongezelelweyo nesikhokelo malunga nesicelo.

Ifomu ethi Formulario de Postulación al Subsidio Distrital de Vivienda Reduce Tu Cuota kufuneka izaliswe ngokuchanekileyo. Le fomu ibalulekile ukuze kuqinisekiswe ngokusesikweni injongo yokufikelela kule nkxaso-mali. Ukunxibelelana nebhanki kuya kuba ngundoqo ekuphenduleni nayiphi na imibuzo nasekuqinisekiseni ukuba inkqubo iqhubeka ngaphandle kwengxaki.

Kutheni ukhetha iBanco Caja Social?

IBanco Caja Social izimise njengeziko eliphambili kwicandelo lezemali laseColombia. Ukuzibophelela kwayo kuphuhliso lwezentlalo noqoqosho lwelizwe kubonakala kumalinge afana ne‘Reduce Tu Cuota’. Eli ziko alijongi kuphela ekuxhaseni ngemali ukuthengwa kwezindlu, kodwa likwanqwenela ukuphucula umgangatho wobomi beentsapho ezixhamlayo.

Amava nozinzo lweBanco Caja Social zibangela ukuba abafaki-zicelo bayithembe. Xa zikhetha le bhanki, iintsapho zinokufumana inkxaso ebanzi engapheleli nje ekuboneleleni ngemali. Ikhuthaza ukufikelela kwizisombululo zezemali ezilungiselelwe iimfuno zekhaya ngalinye.

Isiphelo ngenkxaso-mali yezindlu

Inkxaso-mali efikelela kwi-$22.7 yezigidi enikezelwa yiBanco Caja Social ngenkqubo ethi ‘Reduce Tu Cuota’ imele ithuba elixabiseke kakhulu kwiintsapho ezininzi zaseBogotá. La manyathelo abalulekile ekujonganeni nengxaki yokufikelela kwizindlu kwizixeko ezinamazinga aphezulu okuhlala kwabantu ezidolophini.

Iinzuzo zezoqoqosho nezentlalo ezinxulumene nale nkxaso-mali azithomalalisi nje kuphela umthwalo wezemali weentsapho, kodwa zikwanceda ekwakheni uluntu olomeleleyo noluzinzileyo. Ngenkxaso yamaziko azibophelele kuphuhliso lwezentlalo, njengeBanco Caja Social, iphupha lokuba nekhaya lakho liba lula ngakumbi ukufikelela kulo kubantu abaninzi baseColombia.