Izikhala ezintsha ze-Mi Casa Ya: Obani abazokwazi ukuthola uxhaso?

Uhlelo lwe-«Mi Casa Ya» luwuhlelo lukahulumeni waseColombia.

Luhlose ukwenza kube lula ngemindeni ehola imali ephansi ukuthola ikhaya layo.

Muva nje kumenyezelwe izikhala ezintsha zalo mxhaso.

Luyini uhlelo lwe-Mi Casa Ya?

I-«Mi Casa Ya» wuhlelo olunikeza umxhaso wokuthenga indlu entsha ezindaweni zasemadolobheni ezweni. Luhloselwe imindeni efisa ukuthenga ikhaya layo lokuqala, futhi luyithuluzi elibalulekile lokuthuthukisa ukufinyelela kubunikazi bezindlu nokunciphisa ukushoda kwezindlu eColombia.

Umxhaso ukhokhela ingxenye yezindleko zendlu zonke, okwenza imindeni ehlomulayo ikwazi ukunciphisa inani lemali mboleko yendlu edingekayo. Ngaphezu kwalokho, lolu hlelo lusiza nasekukhokheleni inzalo yemali mboleko, okwenza kube lula ukuthola imali yokuthenga indlu.

Izimfuneko zokufaka isicelo sesibonelelo

Ukuze imindeni ihlomule ohlelweni lwe-«Mi Casa Ya», kufanele ihlangabezane nezimfuneko ezithile. Okokuqala, imali engenayo yomndeni akufanele idlule emalini elingana namaholo amancane asemthethweni angu-4 ngenyanga asebenzayo njengamanje. Lokhu kuqinisekisa ukuthi umxhaso ufinyelela kulabo abawudinga ngempela.

Ngaphezu kwalokho, abafaka izicelo akufanele babe ngabanikazi wenye indlu, futhi akufanele bake bathola imixhaso yezindlu kuhulumeni. Kufanele futhi babe nemali mboleko egunyazwe yinhlangano yezezimali, okuqinisekisa ukuthi umndeni uyakwazi ukukhokha ingxenye esele yezindleko zendlu.

Ukwabiwa kwezikhala ezintsha

Ngokwandisa izikhala zohlelo lwe-«Mi Casa Ya», kuhloswe ukusiza imindeni eminingi ezifundeni ezihlukahlukene zezwe. Uhulumeni usumise ukwabiwa kwalezi zikhala ngendlela elinganayo, ubeka phambili izindawo ezinesidingo esikhulu sezindlu.

Amadolobha anesidingo esikhulu nezindlu ezingabizi ezishodayo azothola izikhala eziningi, kanti izifunda ezinabantu abambalwa ngokwesibalo sazo zizothola izikhala ezihambisana nezimo zazo zezenhlalo nezomnotho.

Inqubo yokubhalisa nokukhetha

Inqubo yokubhalisela uhlelo lwe-«Mi Casa Ya» yenziwa ngezinhlangano zezezimali ezibambe iqhaza kulolu hlelo. Imindeni enentshisekelo kufanele iye kulezi zinhlangano ukuze iqale inqubo yokufaka isicelo, lapho kuqinisekiswa khona ukuthi iyahlangabezana yini nezimfuneko futhi kuhlolwe amandla ayo okukhokha isikweletu.

Uma esebhalisiwe, imindeni ibamba iqhaza enqubweni yokukhethwa esekelwe ezimisweni ezibekwe wuhlelo. Lezi zimiso zibeka phambili imindeni ehola kancane kanye naleyo esesimweni sokuba sengozini emphakathini.

Umthelela wohlelo emphakathini

Uhlelo lwe-“Mi Casa Ya” lube nomthelela omkhulu ezimpilweni zezinkulungwane zemindeni yaseColombia. Ngokwenza kube lula ukuthola izindlu ezifanele, kuthuthukiswa izinga lokuphila futhi kukhuthazwa ukuzinza kwezomnotho nezenhlalo kwabahlomulayo.

Ngaphezu kwalokho, lolu hlelo lunomthelela ekuthuthukisweni kwamadolobha ngokukhuthaza ukwakhiwa kwezindlu ezintsha, okudala amathuba emisebenzi futhi kukhulise umnotho wendawo. Lo mphumela omuhle ubonakala emindenini ehlomulayo nasemiphakathini lapho kwakhiwa khona lezi zindlu.

Izinselele ezikhona nezizayo

Naphezu kwempumelelo yohlelo, i-“Mi Casa Ya” ibhekene nezinselele eziningana. Enye yezinkulu ukuqinisekisa ukuthi uxhaso lwezimali luyaqhubeka, ikakhulukazi esimweni somnotho esingaqinisekile. Uhulumeni kufanele aqinisekise ukuthi izimali ezibekelwe lolu hlelo ziyaqhubeka zitholakala futhi ziyakhushulwa ngokuhambisana nesidingo.

Enye inselele ukuthuthukisa izinqubo zokukhetha nokwabiwa kwezibonelelo, ukuze kuqinisekiswe ukuthi zifika ngempela kulabo abazidinga kakhulu. Lokhu kudinga ukubuyekezwa okuqhubekayo kwemibandela yokufaneleka kanye nokusebenzisa izindlela zokulawula nezokwenza izinto obala.

Sengiphetha, izikhala ezintsha zohlelo lwe-“Mi Casa Ya” zinikeza imindeni eminingi yaseColombia ithuba lokuthola amakhaya ayo futhi ithuthukise izinga layo lokuphila. Nokho, kubalulekile ukuqhubeka kugxilwe ekulinganeni nasekwenzeni izinto obala ukuze kwandiswe umthelela wohlelo emphakathini nasemnothweni. Uma lezi zinselele sezinqotshiwe, lolu hlelo lungaba yisibonelo senqubomgomo yomphakathi esifundeni.