Uxhaso lwezindlu oluphuthumayo olufinyelela ezigidini ezingu-$22.7 eBogotá

Ukuthola indawo yokuhlala kuyindaba ebaluleke kakhulu emindenini eminingi eColombia. Ukuthola amathuba enza kube lula ukuthenga indlu yakho kuyinto eseqhulwini. Kulesi simo, uxhaso lwe-Banco Caja Social luyizindaba ezinhle kakhulu.

Lolu xhaso lwenzelwe ukusiza imindeni ukuthi ithenge izindlu ezingabizi. Abantu abaningi bafuna ezinye izindlela ezingabasiza bafeze iphupho lokuba nomuzi wabo.

Uhlelo oluthi ‘Reduce Tu Cuota’ luyindlela enhle kakhulu kulabo abafisa ukuthenga indlu entsha eBogotá. Ngezansi kuchazwe izici ezibaluleke kakhulu zalolu hlelo.

Uxhaso olufika ezigidini ezingu-$22.7 lwemalimboleko yezindlu eBogotá – Banco Caja Social

Kusukela mhla ka-3 kuNhlolanja ka-2025, i-Banco Caja Social yaqala uhlelo oluthi ‘Reduce Tu Cuota’ ngemva kwesivumelwano sokubambisana ne-Secretaría Distrital del Hábitat. Lolu xhaso luqondiswe emindenini ethenga izindlu ezintsha ze-VIP noma ze-VIS eBogotá. Inhloso yalolu sizo ukunciphisa inani lesitolimende sanyanga zonke semalimboleko yendlu, isikhathi esingedluli ezinyangeni ezingu-48.

Lolu hlelo lunikeza uxhaso olulingana namaholo aphansi asemthethweni angu-14 ngonyaka okukhishwa ngawo imali yemalimboleko, okuyisamba esingu-$19.929.000 njengamanje. Lesi samba sikhishwa ngezinkokhelo zanyanga zonke ezingu-$415.188. Ezindlini ezinesitifiketi sokwakhiwa ngendlela esimeme, inzuzo inyuka ibe ngamaholo aphansi asemthethweni angu-16, okusho ukuthi iba ngu-$22.776.000, ekhokhwa ngezitolimende zanyanga zonke ezingu-$474.500.

Ngokuka-Elsa Patricia Manrique, iphini likamongameli wezokuThuthukiswa Kwebhizinisi e-Banco Caja Social: «Kwa-Banco Caja Social siyakuqonda ukubaluleka kokusiza abantu baseColombia endleleni yabo yokuthenga amakhaya abo. ‘Reduce Tu Cuota’ inciphisa umthwalo wezezimali emindenini futhi iqinisekisa ukuzinza okukhulu kwezindawo zokuhlala. Lolu xhaso lungasetshenziselwa ukukhokha sonke noma ingxenye yesitolimende sanyanga zonke semalimboleko yendlu; uma kusala imali eyengeziwe, izofakwa enkokhelweni yemali eyinhloko yemalimboleko esele nengakadluli isikhathi sokukhokhwa.»

Izimfuneko zokuthola uxhaso

Ukuze zithole lolu xhaso, imindeni efisa ukuhlomula kumele ihlangabezane nezimfuneko ezithile. Kudingeka ibe nemali engenayo yanyanga zonke engedluli kumaholo aphansi asemthethweni angu-4. Kufanele futhi ibe nemalimboleko egunyaziwe yokuthenga indlu entsha ye-VIP noma ye-VIS eBogotá. Okunye okubalulekile ukuthi ingabi nomunye umuzi noma indlu kwenye indawo ezweni nokuthi ingakaze ithole uxhaso lwezindlu ngaphambilini. Futhi akufanele ibe isacubungulelwa ezinye izinzuzo zokukhokhelwa kwengxenye yezindleko zenzalo noma yesitolimende, njenge-FRECH.

Abafisa ukuhlomula kumele bathinte i-Banco Caja Social futhi bazise ibhange ukuthi bafuna ukuthola uxhaso ngaphambi kokukhishwa kwemali yemalimboleko. Le nqubo ihlanganisa ukugcwalisa nokusayina i-Formulario de Postulación al Subsidio Distrital de Vivienda Reduce Tu Cuota.

Izinzuzo ze-‘Reduce Tu Cuota’

Uhlelo oluthi ‘Reduce Tu Cuota’ lwe-Banco Caja Social lunezinzuzo eziningi emindenini yaseColombia. Lolu xhaso alwenzi nje kuphela kube lula ukuthenga izindlu, kodwa luphinde lukhuthaze ukuzinza kwezimali emakhaya. Ngokunciphisa umthwalo wesitolimende sanyanga zonke semalimboleko yendlu, imindeni iyakwazi ukusebenzisa imali yayo kwezinye izidingo ezibalulekile, njengemfundo nezempilo.

Ngaphezu kwalokho, ngokwandisa uxhaso lwezindlu ezinesitifiketi sokwakhiwa ngendlela esimeme, kukhuthazwa ukusimama kanye nezindlela zokwakha ezinomthwalo wemfanelo. Imindeni ingathola izindlu ezingagcini nje ngokuhlangabezana nezidingo zayo, kodwa futhi ezinakekela imvelo.

Ukubaluleka kwezindlu emphakathini waseColombia

EColombia, izindlu ziyindaba ebaluleke kakhulu emphakathini nasemnothweni. Imindeni eminingi ibhekene nenselele yokuthola indawo yokuhlala efanele nengabizi. Izinhlelo ezifana noxhaso lwe-Banco Caja Social ziyimpendulo ephumelelayo kulesi simo, zinikeza abantu abaningi amathuba angokoqobo.

Ukukhula kwamadolobha kanye nesidingo sezindlu ezingabizi yizinto ezibalulekile ezenza kudingeke izinhlelo ezenza kube lula ukuthola indawo yokuhlala. Uhlelo oluthi ‘Reduce Tu Cuota’ luhambisana nalezi zinhloso futhi luhlose ukukhuthaza ukuthengwa kwezindlu ezihlangabezana nezidingo zabantu baseColombia.

Inqubo yokufaka isicelo soxhaso

Ukufaka isicelo soxhaso lwe-‘Reduce Tu Cuota’ kuyinqubo edinga ukunaka imininingwane, kodwa yakhelwe ukuba ifinyeleleke kalula. Imindeni enentshisekelo kufanele ilandele izinyathelo ezithile ezicacile. Okokuqala, kufanele iqinisekise ukuthi iyahlangabezana nezimfuneko ezithile ezichazwe ngenhla. Ngemva kwalokho, kubalulekile ukuthi ithinte iBanco Caja Social ukuze ithole ulwazi olwengeziwe nesiqondiso mayelana nesicelo.

Ifomu Lokufaka Isicelo Soxhaso Lwezindlu Lwesifunda i-Reduce Tu Cuota kufanele ligcwaliswe ngokunembile. Leli fomu libalulekile ukuze kuqinisekiswe inhloso yokuthola uxhaso. Ukuxhumana nebhange kuzobaluleka ekuphenduleni noma yimiphi imibuzo nasekuqinisekiseni ukuthi inqubo iyaqhubeka ngaphandle kwezinkinga.

Kungani ukhethe iBanco Caja Social?

IBanco Caja Social isizimise njengomunye wezikhungo ezihamba phambili emkhakheni wezezimali eColombia. Ukuzibophezela kwayo ekuthuthukisweni kwezenhlalo nezomnotho wezwe kubonakala ezinhlelweni ezifana ne-‘Reduce Tu Cuota’. Lesi sikhungo asifuni nje ukuxhasa ngezimali ukuthengwa kwezindlu, kodwa siphinde sizame ukuthuthukisa izinga lempilo yemindeni ehlomulayo.

Ulwazi nobuqotho beBanco Caja Social kunikeza abafaka izicelo ukuzethemba. Uma bekhetha leli bhange, imindeni ingathola ukwesekwa okuphelele okungagcini nje ngokuxhaswa ngezimali. Leli bhange likhuthaza ukufinyelela ezixazululweni zezimali eziklanyelwe izidingo zomuzi ngamunye.

Isiphetho ngoxhaso lwezindlu

Uxhaso olufika ku-$22.7 million olunikezwa iBanco Caja Social ngohlelo lwe-‘Reduce Tu Cuota’ luyithuba elibaluleke kakhulu emindenini eminingi yaseBogotá. Lezi zinhlobo zezinhlelo zibalulekile ekubhekaneni nenkinga yokuthola izindlu emadolobheni anamazinga aphezulu okukhula kwamadolobha.

Izinzuzo zezomnotho nezenhlalo ezihambisana nalolu xhaso azinciphisi nje kuphela umthwalo wezimali emindenini, kodwa futhi zifaka isandla ekwakheni imiphakathi eqinile nehlala isikhathi eside. Ngokusekelwa yizikhungo ezizibophezele ekuthuthukisweni kwezenhlalo, njengeBanco Caja Social, iphupho lokuba nomuzi wakho liba yinto efinyeleleka kalula kubantu abaningi baseColombia.