Tsigira nekusimbisa ruzivo rwechimbo chikuru cheveruzhinji chakanangana nekukurudzira kutengwa kweimba huru nemhuri. Ongororo yakadzama yakagadziridzwa neABI, iyo Italian Banking Association, ine mabhanga uye masangano evatengi sechikamu cheSimple Transparency chirongwa chakatsaurirwa kuGuarantee Fund yekutanga imba yemba. Kuti tiratidze maitiro makuru echishandiso ichi, Gwaro rakagadzirwa, iro ABI inosimudzira pachiitiko cheMari Yedzidzo Mwedzi, chiitiko chinosimudzirwa padanho renyika neKomiti yekuronga uye kurongeka kwezviitiko zvedzidzo yezvemari, izvo zvinoitika. muna October.
Iyo Guarantee Fund yekutanga imba yemba inosimudzira kuwana zvikwereti zvekutenga - kana yekutenga nekugadzirisa simba rekushandisa - yeimba yekutanga kubatsira vagari vasiri varidzi vezvimwe zvivakwa zvekugara, vachishandisa vimbiso yenyika.
Yakagadzirwa mumutauro wakapfava uye unosvikika, Iyo Nhungamiro chikamu chepurojekiti inosanganisira kuparadzirwa kweruzivo uye maturusi ekudzidzisa pamisoro yekufarira kune vatengi, kuitira kukurudzira kushandiswa kwebhangi uye ruzivo rwemari nevagari kunyangwe vasina ruzivo.
Nhungamiro iri mudhijitari uye inowanikwa pawebhusaiti yeABI pane yakatsaurirwa peji (iyi ndiyo link www.abi.it/mercati/progetto-trasparenza-semplice/scopio-strumenti-info-educativi-diretti-alla-clientela/ ) . Nekupararira kwayo kwakanyanya, iyi ruzivo rutsva uye chishandiso chekudzidzisa chakanangana nevatengi chinowanikwa kumabhangi uye masangano evatengi akabatana pachirongwa ichi (ACU, Adiconsum, Adoc, Altroconsumo, Assoutenti, Casa del Consumatore, Centro Tutela Consumatori Users, Cittadinanzattiva, Codacons. , Confconsumatori, Federconsumatori, Lega Consumatori, Movimento Consumatori, Movimento Difesa del Cittadino, U.Di.Con, UNC).
Pano, muchidimbu, ndizvo chaizvo zviri mukati meiyo infographic:
Iyo inoshanda sei
Iyo Guarantee Fund yekutanga mbanje yemba inoburitsa vimbiso yenyika yakaenzana ne50% yehuwandu hwemari pachikwereti chemba kana pamapotfolio ezvimba zvakabatana nekutenga (zvakare nefungidziro yekuparadzanisa) kana yekutenga nekugadzirisa kuwedzera simba rezvivakwa zvinoshandiswa se imba huru.
Ndeapi mamortgages ainoshanda kune?
Zvikwereti zvemba zvakapihwa nemabhanga kana vamiriri vezvemari nemari isingadariki zviuru mazana maviri nemakumi mashanu emaeuro ezvivakwa zvisiri zveumbozha zvekutanga zvinokodzera kuwana vimbiso yeFundi.
Ndiani anogona kunyorera
Kazhinji, hapana miganho yekuwana mari kune vanokwereta kuti vawane vimbiso yeFund. Nekudaro, kana zvinopfuura zvikumbiro zvimwechete zvakagamuchirwa, zvinonyanya kupihwa kune zvikwereti zvinopihwa kune:
- vakaroorana vechidiki, vakagadzirirwa kwemakore maviri, apo imwe yenhengo mbiri haisi kupfuura makore makumi matatu nematanhatu;
- mhuri dzine mubereki mumwe dzine vana vaduku;
- vechidiki vari pasi pemakore makumi matatu nematanhatu;
- muroja wepokugara ane masangano akazvimirira edzimba dzeveruzhinji, zvisinei akatumidzwa.
Kusvikira Zvita 31, 2023
Kune vese vanowira muzvikamu zvekutanga zvine ISEE, chiratidzo chemamiriro ehupfumi akaenzana, asingadariki zviuru makumi mana zvemaeuro pagore uye vanoda chikwereti chinodarika makumi masere muzana emutengo wekutenga wenzvimbo, pane mukana. yekukumbira kuwedzera kwechivimbiso kusvika ku40% yemari huru.
Maitiro ekunyorera
Izvo zvinodikanwa kuzadza fomu rakaburitswa pawebhusaiti yeConsap, iyo inotarisira Fund (www.consap.it/fondo-prima-casa/) uye kuiisa kune rimwe remabhangi uye vezvemari vari kutora chikamu muchirongwa ichi, rondedzero. iyo inowanikwa pawebhusaiti yeFund manager, ichibatanidza chitupa. Panyaya ye80% garandi, chiziviso cheISEE chisingadariki makumi mana emakumi mana emaeuro pagore chinofanirawo kuiswa pafomu.
Bhangi/murevereri wezvemari, aona kuzara uye kurongeka kwefomu rekunyorera, anoritumira kuConsap, iyo inozivisa mhedzisiro yekuferefetwa kwevimbiso kubhangi/murevereri wezvemari mukati memazuva makumi maviri ekutambira chikumbiro. Mukati memazuva makumi mapfumbamwe ekubvuma kupinda muvimbiso yeHomwe, bhangi/murevereri wezvemari anozivisa maneja nezvemhedzisiro yebasa remba.