Izibonelelo ezikhoyo zokuthenga ikhaya ngo-2025: ungaphoswa zizo!
Kwinkqubo yokuthenga ikhaya, iinkxaso-mali zinendima ebalulekileyo. Zinceda ekunciphiseni umthwalo wemali kumakhaya amaninzi aseColombia. Ekubeni kukho iinkqubo ezahlukeneyo, kubalulekile ukwazi ngamathuba afumanekayo ngo-2025.
Ukufikelela kwiinkxaso-mali zezindlu kunokwenza umahluko xa kusenziwa utyalo-mali olukhulu kwizindlu nezakhiwo. Inkqubo nganye ineempawu neemfuno zayo. Apha ngezantsi kukho iinkxaso-mali ezibalulekileyo zokuthenga ikhaya eColombia.
Mi Casa Ya: Uhlengahlengiso olutsha notshintsho ngo-2024
Inkqubo iMi Casa Ya ibe yintsika kumgaqo-nkqubo wezindlu eColombia ukususela ngo-2015. Le nkqubo ibonelele ngamawaka eenkxaso-mali kwilizwe lonke. Noko ke, ngo-2024 kwenziwe uhlengahlengiso olubalulekileyo, olufana nokunqunyanyiswa kwenkxaso-mali kwinzala yemali-mboleko, ngoxa inkxaso yentlawulo yokuqala isasebenza.
Iinkxaso-mali ezisasebenzayo:
Amakhaya anengeniso efikelela kwimivuzo ephantsi esemthethweni yenyanga esebenzayo emi-2 (SMLMV) anokufumana ukuya kutsho kwi-30 SMLMV ukunceda ekuhlawuleni intlawulo yokuqala. Kwelinye icala, amakhaya anengeniso ephakathi kwe-2 ne-4 SMLMV anokufumana ukuya kutsho kwi-20 SMLMV yeenkxaso-mali.
Iimfuno:
Ukuze bafumane ezi zibonelelo, abantu abanomdla kufuneka bahlangabezane neemfuno ezithile. Kufuneka bathenge indlu entsha, bangazange bafumane enye inkxaso-mali yezindlu ngaphambili kwaye bangabi ngabanini wenye ipropati. Kwakhona, kufuneka babe belwenzile uphando lwe-Sisbén IV, baze babe kuhlelo olulingana okanye olungaphantsi kwe-D11 kumakhaya asezidolophini nakwi-D20 kumakhaya asemaphandleni.
Elona xabiso liphezulu lendlu:
Ngo-2025, elona xabiso liphezulu lezindlu zentlalontle (VIS) lihlengahlengiswe laba zi-192.172.500 pesos. Le nkqubo isaqhubeka nokuxhasa abo banqwenela ukuthenga indlu entsha, nokuba isezidolophini okanye isemaphandleni, besebenzisa amaziko emali okanye amaziko embuyekezo yosapho.
Iinkxaso-mali zezindlu ezivela kwiiCajas de Compensación
Amaziko embuyekezo yosapho eColombia abonelela ngeenkxaso-mali ezongezelelweyo kumalungu awo. Oku kubaluleke ngakumbi kubasebenzi abaqeshwe ngokusesikweni abafuna inkxaso yokuthenga okanye yokuphucula izindlu zabo.
Izixa zenkxaso-mali:
Amaziko embuyekezo yosapho anokunika ukuya kutsho kwi-30 SMLMV yokuthenga indlu entsha. Kwakhona, abonelela ukuya kutsho kwi-18 SMLMV yokwakha okanye yokulungisa ngokutsha indlu esele ikhona.
Iimfuno:
Ukuze umntu afumane ezi nkxaso-mali, kufuneka abe lilungu leziko lembuyekezo yosapho. Kwakhona, akufuneki abe ngumnini wendlu okanye abe wakha wafumana inkxaso-mali ngaphambili.
Inkxaso-mali eDityanisiweyo
Inkxaso-mali edityanisiweyo idibanisa izibonelelo ezinikezelwa ngamaziko embuyekezo yosapho norhulumente kazwelonke. Le ndlela yokudibanisa yenza ukuba abafumana inkxaso bakwazi ukwandisa uncedo lwezemali, ngaloo ndlela kwande amathuba abo okufumana indlu.
Izixa ezidityanisiweyo:
Ngenkxaso-mali edityanisiweyo, amakhaya anokufumana ukuya kutsho kwi-65 SMLMV. Esi sixa siquka inkxaso-mali yeziko lembuyekezo yosapho kunye naleyo inikwe ngurhulumente kazwelonke.
Iimfuno:
Iimfuno zenkxaso-mali edityanisiweyo ziyafana nezezinye iinkqubo. Umntu akufuneki abe ngumnini wendlu okanye abe wakha wafumana iinkxaso-mali ngaphambili, kwaye esi sibonelelo sisebenza kuphela kwizindlu zentlalontle (VIS).
Inkxaso-mali yeRente
Amanye amaziko embuyekezo yosapho abonelela ngeenkxaso-mali ezithile zokuhlawula irente. Olu khetho lwenzelwe abo sele bejonge ukufumana indlu yabo kodwa bengekakwazi ukugqiba ukuyithenga.
Umda wenkxaso:
Le nkxaso-mali inokuhlawula ukuya kutsho kwi-90% yerente yenyanga. Ngale ndlela, kujoliswe ekunciphiseni umthwalo wezemali kumakhaya ngoxa kusenziwa inkqubo yokuthenga.
Iimfuno:
Ukuze afumane inkxaso-mali yerente, amakhaya kufuneka abe nengeniso elingana okanye engaphantsi kwe-2 SMLMV. Indlu eqeshwayo isenokuba ntsha okanye isetyenzisiwe, kodwa irente ayimele idlule kwi-1% yexabiso lendlu ye-VIS.
Inkxaso-mali yeZindlu zaseMaphandleni
Inkxaso-mali yezindlu zasemaphandleni ijoliswe kumakhaya asemaphandleni afuna ukuzakhela izindlu. Le nkxaso ibalulekile kwiintsapho ezijamelene nemingeni emikhulu kwezoqoqosho nakwiziseko ezingundoqo.
Isixa:
Olu hlobo lwenkxaso-mali lunokufikelela kwi-70 SMLMV, lunike inkxaso enkulu ekwakheni izindlu ezisemaphandleni nakwiingingqi ezikude.
Iimfuno:
Abafaki-zicelo kufuneka baqinisekise ukuba umhlaba okanye isiza esiza kwakhiwa kuso siyahlangabezana nemigangatho efanelekileyo kwaye asikho kwindawo esemngciphekweni omkhulu okanye kwindawo egcinelwe indalo.
I-Generación FNA: Iimali-mboleko ezikhethekileyo zolutsha
IFondo Nacional del Ahorro (FNA) inikezela ngeendlela zeemali-mboleko ezikhethekileyo ezenzelwe ngokukodwa ulutsha lwaseColombia oluneminyaka ephakathi kwe-18 ne-28. Eli linyathelo elibalulekileyo lokukhuthaza izizukulwana ezitsha ukuba zifumane izindlu.
Izibonelelo:
Ulutsha lunokufumana iimali-mboleko ezinenzala ekhethekileyo, nto leyo evumela ukuba kuxhaswe ngemali ukuya kutsho kwi-90% yexabiso lilonke lezindlu ze-VIS neze-No VIS, ezintsha okanye ezisetyenzisiweyo.
Iimfuno:
Ukuze umntu afaneleke, kufuneka abe lilungu le-FNA kwaye kungabikho ngxelo ngaye kwiDatacrédito. Kubalulekile ukuqaphela ukuba inkxaso-mali ye-No VIS, eyaye yaqalisa ukusebenza ngexesha lobhubhane, ayizange ihlaziywe kwaye ayisasebenzi ukususela ngo-2023.
Ukwazi zonke iinkxaso-mali ezisasebenzayo kubalulekile kwabo bafuna indlu eColombia. La mathuba anceda iintsapho ezininzi ukuba zifumane ikhaya lazo lokuqala kwaye ziphucule umgangatho wazo wobomi. Ulwazi oluhlaziyiweyo nokuzilungiselela kakuhle zizixhobo eziphambili zokusebenzisa ezi zibonelelo zenza kube lula ukufumana indlu kweli lizwe.