Zotsatsa
Purezidenti Luiz Inácio Lula da Silva (PT) anatsimikiza sabata ino MP ya Minha Casa Minha Vida. Onani tsatanetsatane pansipa.
Lamulo Lakanthawi (MP) la Minha Casa Minha Vida, litatha nthawi yayitali yowunikidwa mu Nyumba ya Malamulo ya Dziko, linalandira chivomerezo cha Purezidenti Lula. Ndikofunika kuzindikira kuti, zolemba zosinthidwazi zikuwonetsa kusintha kwa malamulo angapo a dongosolo la ndalama zogulira nyumba.
Kuti tifotokoze bwino, takonza mndandanda wa mafunso ndi mayankho okhudza Minha Casa Minha Vida. Choncho, anthu atha kumvetsetsa zomwe zasinthidwa, zomwe zikugwirabe ntchito ndi zomwe zikufunika kuchitika kuti ayambe kukwaniritsa maloto okhala ndi nyumba yawo, potsatira malangizo a polojekiti yatsopano ya Boma la Federal.
Mafunso ndi mayankho okhudza Minha Casa Minha Vida
Ndani angalembetse?
Mtundu watsopano wa Minha Casa Minha Vida ukukulitsa chiwerengero cha mabanja omwe angalembetse nawo pulogalamuyi. Cholinga chatsopano ndi kuthandiza omwe ali ndi ndalama za mwezi mpaka R$ 8 zikwi m'madera akumatauni, ndi mpaka R$ 96 zikwi m'madera akumidzi.
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Simukudziwa ndalama zanu zonse? Ingowonjezerani ndalama zonse za mwezi za mamembala onse a banja lanu. Ndikofunika kunena kuti, mapindu ochokera ku mapulogalamu a chithandizo cha anthu ndi a penshoni monga Bolsa Família, chithandizo cha matenda komanso inshuwaransi ya ulova salowa mu chiwerengero cha ndalama.
- Kodi magulu atsopano a ndalama ndi ati?
MP yovomerezedwa imayambitsa magulu atsopano a ndalama, omwe amasiyana kutengera komwe nzika imakhala. Onani:
Madera a m’mizinda
- Gulu 1: ndalama za mwezi zosapitirira R$ 2.640
- Gulu 2: ndalama za mwezi kuyambira R$ 2.640,01 mpaka R$ 4.400
- Gulu 3: ndalama za mwezi kuyambira R$ 4.400,01 mpaka R$ 8.000
Madera akumidzi
- Gulu 1: ndalama za pachaka zosapitirira R$ 31.680
- Gulu 2: ndalama za pachaka kuyambira R$ 31.608,01 mpaka R$ 52.800
- Gulu 3: ndalama za pachaka kuyambira R$ 52.800,01 mpaka R$ 96.000
Kodi mphamvu yopezera ngongole ndi yotani?
Minha Casa Minha Vida ili ndi mphamvu yopezera ndalama zofikira pa 80% ya mtengo wa nyumba yomwe ikufunidwa. Ndalama zotsalazo, zomwe ziyenera kulipidwa ngati chindapusa choyambira cha ngongole, zingachepetsedwe kudzera mu thandizo la Boma kapena ngakhale ndalama za FGTS za nzikayo.
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Magawo otsala ayenera kulipidwa pasanathe zaka 35, ndipo gawo lililonse lingatenge mpaka 30% ya ndalama zomwe anagwirizana ndi ogula nyumba. Mwachitsanzo, banja lomwe limalandira R$ 3,000 pamwezi lingalipire magawo a pamwezi mpaka R$ 900.
Kodi mtengo wa nyumba ndi wotani?
Mtengo wa nyumba zomwe zingalandire ndalama kudzera mu Minha Casa Minha Vida umasiyana kutengera komwe nzika ikukhala. Onani:
Madera a m’mizinda
- Gulu 1 (lothandizidwa): mpaka R$ 170,000
- Gulu 1 ndi 2 (lolipiridwa ndi ngongole): mpaka R$ 264,000
- Gulu 3 (lolipiridwa ndi ngongole): mpaka R$ 350,000
Madera akumidzi
- Nyumba zatsopano: mtengo wapamwamba wawonjezeka kuchoka pa R$ 55,000 kufika pa R$ 75,000
- Pakukonza nyumba: mtengo wachoka pa R$ 23,000 kufika pa R$ 40,000
Kodi chiwongola dzanja ndi chotani?
Caixa Econômica Federal imanena kuti chiwongola dzanja cha ngongole ya Minha Casa Minha Vida ndi chotsika kwambiri pamsika. Zoonadi, mitengoyi imagawidwa malinga ndi gulu komanso dera. Mvetsetsani pansipa:
Gulu 1
Ndalama zonse za banja pamwezi mpaka R$ 2,000:
Wopereka ku FGTS: kuyambira 4% ku Kumpoto ndi Kumpoto chakum’mawa, komanso 4.25% ku Kumwera, Kumwera chakum’mawa ndi Pakati chakumadzulo
Wosapereka: kuyambira 4.50% ku Kumpoto ndi Kumpoto chakum’mawa, komanso 4.75% ku Kumwera, Kumwera chakum’mawa ndi Pakati chakumadzulo
Ndalama zonse za banja pamwezi kuyambira R$ 2,000.01 mpaka R$ 2,640:
Wothandizira wa FGTS: kuyambira 4,25% ku North ndi Northeast komanso 4,50% ku South, Southeast ndi Center-West
Osati wothandizira: kuyambira 4,75% ku North ndi Northeast komanso 5% ku South, Southeast ndi Center-West
Gulu 2
Ndalama zonse za banja pamwezi kuyambira R$ 2.640,01 mpaka R$ 3.200:
Wothandizira wa FGTS: kuyambira 4,75% ku North ndi Northeast komanso 5% ku South, Southeast ndi Center-West
Osati wothandizira: kuyambira 5,25% ku North ndi Northeast komanso 5,50% ku South, Southeast ndi Center-West
Ndalama zonse za banja pamwezi kuyambira R$ 3.200,01 mpaka R$ 3.800:
Wothandizira wa FGTS: kuyambira 5,50% m’dziko lonse
Osati wothandizira: kuyambira 6% m’dziko lonse
Ndalama zonse za banja pamwezi kuyambira R$ 3.800,01 mpaka R$ 4.400:
Wothandizira wa FGTS: kuyambira 6,50% m’dziko lonse
Osati wothandizira: kuyambira 7% m’dziko lonse
Gulu la 3
Ndalama zonse za banja pamwezi kuyambira R$ 4.400,01 mpaka R$ 8 zikwi:
Wothandizira wa FGTS: kuyambira 7,66% m’dziko lonse
Osati wothandizira: kuyambira 8,16% m’dziko lonse.
