Uxhaso olutholakalayo lokuthenga izindlu ngo-2025: Ungaluphuthelwa!
Enqubweni yokuthenga ikhaya, uxhaso lwezindlu ludlala indima ebalulekile. Lusiza ekwehliseni umthwalo wezezimali emindenini eminingi yaseColombia. Njengoba kunezinhlelo ezahlukene ezitholakalayo, kubalulekile ukwazi ngezinketho ezikhona ngo-2025.
Ukuthola uxhaso lwezindlu kungenza umehluko lapho kwenziwa utshalomali olukhulu ezindlini. Uhlelo ngalunye lunezici nezidingo zalo. Ngezansi kwethulwe uxhaso olubaluleke kakhulu lokuthenga ikhaya eColombia.
Mi Casa Ya: Ukulungiswa okusha nezinguquko ngo-2024
Uhlelo i-Mi Casa Ya seluyinsika yenqubomgomo yezindlu eColombia kusukela ngo-2015. Lolu hlelo seluhlinzeke ngezibonelelo zezindlu eziyizinkulungwane ezweni lonke. Nokho, ngo-2024 kwenziwa izinguquko ezibalulekile, ezinjengokumiswa koxhaso lwezinga lenzalo, kuyilapho kusagcinwa uxhaso lwenkokhelo yokuqala.
Uxhaso olutholakalayo njengamanje:
Imizi enemali engenayo efika emaholweni amancane asemthethweni anyanga zonke asebenzayo (SMLMV) angu-2 ingathola uxhaso olufika kuma-SMLMV angu-30 lokusiza ukukhokha inkokhelo yokuqala. Ngakolunye uhlangothi, leyo enemali engenayo ephakathi kwama-SMLMV angu-2 nangu-4 ingathola uxhaso olufika kuma-SMLMV angu-20.
Izidingo:
Ukuze bathole lezi zinzuzo, abafake izicelo kumele bahlangabezane nezidingo ezithile. Kudingeka bathenge ikhaya elisha, bangakaze bathole olunye uxhaso lwezindlu ngaphambilini futhi bangabi ngabanikazi bomunye umuzi. Ngaphezu kwalokho, kumele ngabe benze inhlolovo ye-Sisbén IV, futhi ukuhlukaniswa kwabo kufanele kulingane no-D11 noma kube ngaphansi kwawo emizini yasemadolobheni, no-D20 noma kube ngaphansi kwawo emizini yasemaphandleni.
Inani eliphakeme lendlu:
Ngo-2025, inani eliphakeme lezindlu ezithathwa njengezezidingo zomphakathi (VIS) selilungisiwe laba ngu-192.172.500 pesos. Lolu hlelo luyaqhubeka nokusiza labo abafisa ukuthenga ikhaya elisha, kungaba semadolobheni noma emaphandleni, ngokusebenzisa izikhungo zezimali noma izikhwama zesinxephezelo somndeni.
Uxhaso lwezindlu oluvela ezikhwameni zesinxephezelo somndeni
Izikhwama zesinxephezelo somndeni eColombia zinikeza amalungu azo uxhaso olwengeziwe. Lokhu kubaluleke kakhulu kubasebenzi abasemkhakheni osemthethweni abafuna usizo lokuthenga noma lokuthuthukisa amakhaya abo.
Amanani oxhaso:
Izikhwama zesinxephezelo zinganikeza uxhaso olufika kuma-SMLMV angu-30 lokuthenga ikhaya elisha. Ngaphezu kwalokho, zinikeza uxhaso olufika kuma-SMLMV angu-18 lokwakha noma lokulungisa kabusha ikhaya elikhona.
Izidingo:
Ukuze uthole lolu xhaso, kubalulekile ukuba yilungu lesikhwama sesinxephezelo. Futhi, akufanele ube ngumnikazi wekhaya noma ngabe usuke wathola uxhaso ngaphambilini.
Uxhaso oluhlanganyelwe
Uxhaso oluhlanganyelwe luhlanganisa izinzuzo ezihlinzekwa yizikhwama zesinxephezelo kanye nohulumeni kazwelonke. Le ndlela ehlanganisiwe ivumela abahlomulayo ukuba bathole uxhaso lwezimali oluningi ngangokunokwenzeka, ngaleyo ndlela yandise amathuba okuthenga ikhaya.
Amanani ahlanganisiwe:
Ngoxhaso oluhlanganyelwe, imizi ingathola uxhaso olufika kuma-SMLMV angu-65. Leli nani lihlanganisa kokubili uxhaso oluvela esikhwameni sesinxephezelo nalolo olunikezwa uhulumeni kazwelonke.
Izidingo:
Izidingo zoxhaso oluhlanganyelwe ziyefana nezinhlelo zoxhaso. Akufanele umuntu abe ngumnikazi wekhaya noma ngabe usuke wathola uxhaso ngaphambilini, futhi le nzuzo isebenza kuphela ezindlini ezithathwa njengezezidingo zomphakathi (VIS).
Uxhaso lokuqasha
Ezinye izikhwama zesinxephezelo nazo zinikeza uxhaso oluqondene nokukhokha irenti. Lolu khetho lwenzelwe labo asebeqalile ukufuna ikhaya labo kodwa abangakakwazi ukuqedela ukuthenga.
Imali ekhokhelwayo:
Lolu xhaso lungakhokhela kufika ku-90% wemali yerenti yanyanga zonke. Ngale ndlela, luhlose ukunciphisa umthwalo wezezimali emizini ngesikhathi kuqhutshwa inqubo yokuthenga.
Izidingo:
Ukuze ithole uxhaso lokuqasha, imali engenayo yomuzi kumele ilingane nama-SMLMV angu-2 noma ibe ngaphansi kwawo. Ngaphezu kwalokho, indlu eqashwayo ingaba yintsha noma esetshenzisiwe, kodwa imali yerenti akufanele idlule u-1% wenani lendlu ye-VIS.
Uxhaso lwezindlu zasemaphandleni
Uxhaso lwezindlu zasemaphandleni luqondiswe emizini esezindaweni zasemaphandleni efuna ukuzakhela amakhaya. Lolu sizo lubalulekile emindenini ebhekene nezinselele ezinkulu zezomnotho nezingqalasizinda.
Inani:
Lolu hlobo loxhaso lungafika kuma-SMLMV angu-70, lunikeze usizo olukhulu ekwakheni izindlu ezindaweni zasemaphandleni nasezifundeni ezikude.
Izidingo:
Abafake izicelo kumele baqinisekise ukuthi umhlaba noma isiza okuzokwakhiwa kuso siyahlangabezana nezindinganiso ezifanele futhi asikho endaweni enobungozi obukhulu noma endaweni egcinelwe imvelo.
Generación FNA: Imalimboleko enezimo ezikhethekile kubantu abasha
I-Fondo Nacional del Ahorro (FNA) inikeza izinhlobo zezikweletu ezinezimo ezikhethekile ezenzelwe ngokukhethekile intsha yaseColombia eneminyaka ephakathi kuka-18 no-28. Lokhu kuyisinyathelo esibalulekile sokukhuthaza ukufinyelela kwezizukulwane ezintsha ezindlini.
Izinzuzo:
Intsha ingathola inzalo ekhethekile emalimbolekweni ezindlu, okwenza ikwazi ukuboleka imali efinyelela ku-90% yenani eliphelele lezindlu ze-VIS neze-No VIS, ezintsha noma ezike zasetshenziswa.
Izidingo:
Ukuze ufaneleke, kumele ube yilungu le-FNA futhi ungabi nemibiko emibi ku-Datacrédito. Kubalulekile ukuqaphela ukuthi uxhaso lwe-No VIS, olwaqalwa ngesikhathi sobhubhane, aluzange luvuselelwe futhi alusasebenzi kusukela ngo-2023.
Ukwazi ngalo lonke uxhaso olutholakalayo njengamanje kubalulekile kulabo abafuna ikhaya eColombia. La mathuba enza imindeni eminingi ikwazi ukuthola ikhaya layo lokuqala futhi ithuthukise izinga layo lempilo. Ulwazi olubuyekeziwe nokuzilungiselela ngokufanele kungamathuluzi abalulekile okusebenzisa lezi zinzuzo ezisiza ekuthengeni amakhaya ezweni.