Zotsatsa
Kodi muli ndi ngongole zomwe simunamalize kubanki ya Itaú? Dinani apa kuti mudziwe za malangizo omwe angakuthandizeni kuchepetsa ngongole yanu yonse!
Kupereka gawo la bajeti kuti mulipire ngongole kungakhudze ndalama za banja, makamaka tikaganizira za maudindo a nthawi yayitali, monga ngongole zogulira nyumba. Pazochitika zotere, eni maakaunti a Itaú ndi mabungwe ena azachuma ali ndi mwayi wogwiritsa ntchito malangizo othandiza kuchepetsa ngongole zawo zomwe sizinathe.
Zotsatsa
Mwezi uliwonse, ogwira ntchito amapereka ndalama ku Fundo de Garantia por Tempo de Serviço (FGTS). Komabe, amangotenga ndalamazi pazochitika zochepa zokha. Monga ngati kuchotsedwa ntchito popanda chifukwa chomveka, akapuma pantchito kapena akagula nyumba.
Choncho, ogwira ntchito ali ndi mwayi wogwiritsa ntchito ndalamazi polipira gawo loyamba la nyumba yatsopano. Komabe, ambiri sadziwa kuti ndalamazi zingagwiritsidwenso ntchito kuchepetsa kapena kutsitsa ngongole ya ndalama zogulira nyumba. Choncho, iyi ndi njira yofunika kwa amene akufuna kuchepetsa ndalama zomwe ali ndi ngongole ku Itaú. Dziwani zambiri!
Kodi mungagwiritse ntchito bwanji FGTS polipira ngongole ya nyumba ya Itaú?
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Anthu amene anapanga mapangano a ngongole zogulira nyumba ndi Itaú kapena mabanki ena angagwiritse ntchito ndalama za FGTS m’njira 3:
- Kuyambitsa ngongole yogulira nyumba;
- Kuchepetsa/kumaliza ngongole;
- Kulipira gawo la ndalama zonse za magawo olipira.
Pachochitika choyamba, mwini akaunti amagwiritsa ntchito ndalamazo ngati malipiro oyamba, motero amakwaniritsa zofunikira za ngongole ya Itaú. Pachachiwiri, wogwira ntchito amapereka FGTS kuti achepetse gawo la ngongole kapena amalize ngongole yonse yogulira nyumba.
Pazosankha zomaliza, munthu amagwiritsa ntchito ndalamazo kuti achepetse mpaka 80% ya ndalama zonse za magawo olipira, kwa nthawi ya miyezi 12. Choncho, ndalama zolipira zimachepa kwa chaka chimodzi.
Zofunikira
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Kwa banki ya Itaú, mwini akaunti ayenera kukwaniritsa zofunikira zina kuti athe kugwiritsa ntchito ndalama za FGTS. Zina mwa zofunika kwambiri ndi:
- Kumalipira pa nthawi yomwe yakhazikitsidwa;
- Mwini akaunti ndi munthu amene ali ndi ngongoleyo ayenera kukhala munthu yemweyo;
- Ayenera kukhala atapereka ndalama ku FGTS kwa zaka zosachepera 3;
- Zimagwira ntchito pa nyumba zogwiritsidwa ntchito mokhalamo zokha;
- Munthuyo sangakhale ndi ngongole ina yogulira nyumba, kaya ku Itaú kapena ku bungwe lina lililonse.
