Umxhaso we-Mi Casa Ya uyabuya, kodwa ngeke utholakale kuwo wonke umuntu

Uxhaso lwezindlu luwusizo olukhulu emindenini eminingi yaseColombia. Lwenza kube lula ukuthola ikhaya elifanele nelinesithunzi. I-«Mi Casa Ya» ingolunye lwezinhlelo ezilindelwe kakhulu yilabo abanentshisekelo.

Muva nje, uMnyango Wezezindlu umemezele ukubuya koxhaso lwe-«Mi Casa Ya». Nokho, lokhu akusho ukuthi wonke umuntu angaluthola. Imibandela nezimfuneko kuyashintsha.

Ngokushicilelwa kwe-Resolución 0030 de 2025, kwaziswa imininingwane ebalulekile mayelana noxhaso. Kubalulekile ukuba abangase bahlomule bazi ukuthi lokhu kusho ukuthini.

I-Mi Casa Ya izobuya ngo-2025, kodwa uxhaso ngeke lube olwawo wonke umuntu: obani abangafaka isicelo

Ngemva kwesikhathi sokungaqiniseki esicishe sibe yizinyanga ezintathu, uMnyango Wezezindlu ukhiphe i-Resolución 0030 de 2025, okunikezwa ngayo uxhaso oluyi-803 selulonke. Ukubuya kohlelo lwe-«Mi Casa Ya» kuvuse amathemba kulabo abafuna ukuthenga amakhaya abo.

Lolu xhaso luzokwabiwa nge-Fondo Nacional de Vivienda (Fonvivienda). Kuzokwabiwa uxhaso lomuntu ngamunye oluyi-512, kanye noluhambisanayo oluyi-291, olusebenza njengesengezo koxhaso olunikezwa izikhwama zesinxephezelo. Lokhu kuphawula ushintsho olukhulu endleleni yokunikezwa nokutholakala kwezinzuzo zalolu hlelo.

Uxhaso lwezinga lenzalo

Imizi ehlomula ngaphansi kwalesi sinqumo izokwazi ukuthola uxhaso lwezinga lenzalo. Lolu xhaso luhlinzekwe ku-athikili 123 ye-Ley 1450 de 2011, futhi lungasetshenziswa ngemalimboleko yezindlu noma ngezinkontileka zokuqashisa ezinokukhetha ukuthenga ikhaya, ngenhloso yokuthenga indlu entsha yohlobo lwezindlu ezithakaselwa umphakathi.

Nokho, kubalulekile ukusho ukuthi u-Alejandro Quintero, umqondisi wezindlu nokuqashisa e-Asobancaria, uxwayise ngokuthi icebo lokubuyisa uxhaso lwezinga lenzalo libhekwa njengephutha nokuthi lesi sinyathelo ngeke sibuyiselwe. Lokhu kudala ukungaqiniseki ngezinzuzo abazozithola ngempela abahlomuli abasha be-«Mi Casa Ya».

Isimo samanje namathemba

Njengamanje, isimo sisenzima, alukho uxhaso lwezinga lenzalo olutholakalayo futhi kunezikhala zoxhaso ezingu-20.500 ezingakasetshenziswa. Abafuna ukuthola uxhaso balindele ukuthi inkundla iphinde ivulwe ukuze kwamukelwe izicelo zezikhala ezintsha ngekota yesine ka-2025, nakuba isimo sesabelomali samanje singanikezi themba elikhulu ngalokhu.

Ukushoda kwezikhala kanye nemingcele yokuthola uxhaso kukhathaza imindeni yaseColombia efuna izixazululo zezindlu. Kubalulekile ukuba ulwazi lusakazwe ngendlela efanele ukuze bonke abangase bahlomule bazi ngemithetho nezimfuneko ezintsha.

Izinguquko koxhaso

Umqondisi we-Fonvivienda ushilo ukuthi kucatshangelwa izinguquko ezibalulekile endleleni olwakheke ngayo uxhaso lwe-«Mi Casa Ya». Olunye lwezinguquko eziphawuleka kakhulu ukuvulela namanye amaqembu abantu ithuba lokufinyelela kulo. Lokhu kungasho ukuthi abantu abaningi bazofakwa kulolu hlelo nokuthi usizo lukahulumeni luzofinyelela kabanzi.

Ngaphezu kwalokho, kucatshangelwa ukuthi uxhaso lunikezwe abantu abazothenga izindlu esezike zasetshenziswa, okuyintuthuko enkulu ngoba ngaphambilini lwalugxile kuphela ekwakhiweni kwezindlu ezintsha zohlobo lwezindlu ezithakaselwa umphakathi. Lokhu kungasiza imindeni eminingi enentshisekelo yokuthenga izindlu esezakhiwe.

Okunye okucatshangelwayo ukudala uhlaka oluhlanganisa uxhaso lomndeni lapho kuthengwa izindlu ezintsha kanye nezike zasetshenziswa. Lesi sinyathelo singenza kube lula ukuba imindeni eminingi ithole uxhaso futhi sandise ukufinyelela kwalolu hlelo loxhaso.

Kubalulekile ukuba abantu abanentshisekelo nge-«Mi Casa Ya» bahlale benolwazi ngalezi zinguquko ukuze bakwazi ukusebenzisa amathuba azovela. Kulokhu, indima yoMnyango Wezezindlu ibalulekile ukuze kuqinisekiswe ukwenza izinto ngokusobala ekuphathweni koxhaso nasekuxhumaneni nezakhamuzi.

Obani abafanele ukuthola uxhaso lwe-«Mi Casa Ya»?

Imibandela yokufaneleka yokuthola uxhaso lwe-«Mi Casa Ya» ibekwe ngendlela ebeka eqhulwini amaqembu athile avame ukuba nobunzima obukhulu bokuthola izindlu ezifanele nezinesithunzi. Abangase bahlomule kufanele bahlangabezane nezimfuneko ezithile, ezisabuyekezwa ngokuhambisana nezinguquko ezishiwo ngenhla.

• Imali engenayo yomndeni: Kulindeleke ukuthi imindeni enentshisekelo ibe nemali engenayo yomndeni engaphakathi kwemingcele ethile ukuze ikwazi ukuthola uxhaso.
• Izimo zokuba sengozini: Imindeni ebhekene nobunzima bezomnotho noma bezenhlalo izobekwa eqhulwini.
• Izikhala ezitholakalayo: Ukutholakala koxhaso kuzoncika ezikhaleni ezabiwa minyaka yonke, ngakho kungahluka unyaka nonyaka.

Kubalulekile ukuthi abanentshisekelo bahlole imininingwane ethile mayelana nezidingo ezibekelwe isaziso ngasinye sokufaka izicelo, njengoba zingashintsha kuye ngemithetho esebenzayo kanye nenqubomgomo kahulumeni yezindlu.

Ukubaluleka koxhaso esimweni saseColombia

EColombia, ukuthola izindlu ezifanele kuyinselele ebhekene nemindeni eminingi. Ubumpofu nokungakwazi ukuthola isikweletu kuyizinkinga eziqhubekayo ezithinta ingxenye enkulu yabantu. Ngenxa yalesi sizathu, izinhlelo ezifana ne-«Mi Casa Ya» zibalulekile ekubhekaneni nenkinga yezindlu ezweni.

Ngaphezu kwalokho, lolu xhaso alugcini nje ngokusiza ekuthengeni izindlu, kodwa luphinde lube nomthelela omuhle emnothweni wezwe. Ukwakhiwa kwezindlu kudala imisebenzi futhi kugqugquzela ukujikeleza kwemali ezifundeni ezahlukene, okuyinto ebaluleke kakhulu ngezikhathi zobunzima.

Ngokunjalo, uxhaso lwezindlu lusiza ekunciphiseni ukungalingani, luvumele imindeni eminingi ukuba ithole ikhaya layo. Lesi sinyathelo siyisinyathelo esiya ekuthuthukiseni izimo zokuphila nasentuthukweni yezenhlalo.

Amathemba ekusasa lalolu hlelo

Ngenxa yezinguquko ezimenyezelwe kanye nenhloso yokwandisa ukufinyelela emaqenjini amaningi abantu, kulindeleke ukuthi i-«Mi Casa Ya» iqhubeke ithuthuka ukuze ibhekane nezidingo zezindlu zabantu baseColombia. Ukubamba iqhaza ngenkuthalo kwezakhamuzi ekuqapheni lezi zinqubomgomo kubalulekile ukuze kuqinisekiswe ukuthi okulindelekile kuyafezeka.

Ukuzibophezela kukahulumeni ezindlini ezakhelwe ukusiza abantu abahola kancane kubalulekile ekwakheni ikusasa elinethemba elikhulu kuyo yonke imindeni ephupha ngokuba nekhaya. Uxhaso alumeleli nje kuphela impendulo esidingweni esiphuthumayo, kodwa luphinde lube yithuba lentuthuko nokukhula komuntu ngamunye ohlomulayo.

Ukuqaliswa okufanele kwalezi zinqubomgomo kuzobaluleka ekuqinisekiseni ukuthi uhlelo lwe-«Mi Casa Ya» lufeza injongo yalo futhi luyaqhubeka nokuba ithuluzi elisebenzayo ekulweni nobumpofu nokungalingani eColombia. Lesi yisikhathi esibalulekile sokuba bonke abanentshisekelo bahlale benolwazi futhi basebenzise amathuba azovela esikhathini esizayo.