{"id":602,"date":"2023-04-10T23:38:50","date_gmt":"2023-04-10T20:38:50","guid":{"rendered":"https:\/\/economiaportal.com\/?p=602"},"modified":"2023-04-10T23:38:50","modified_gmt":"2023-04-10T20:38:50","slug":"a-hazam-az-eletem-tippek","status":"publish","type":"post","link":"https:\/\/economiaportal.com\/hu\/602\/minha-casa-minha-vida-dicas\/","title":{"rendered":"H\u00e1zam, \u00e9letem \u2013 tippek"},"content":{"rendered":"

A program \u201eAz otthonom, az \u00e9letem\u201d<\/strong> a brazil sz\u00f6vets\u00e9gi korm\u00e1ny hozta l\u00e9tre 2009-ben.<\/p>\n\n\n\n

C\u00e9lja, hogy az alacsony j\u00f6vedelm\u0171 csal\u00e1dok sz\u00e1m\u00e1ra megfelel\u0151 lakhat\u00e1shoz jusson. <\/p>\n\n\n\n

Az\u00f3ta a program t\u00f6bb mint 5 milli\u00f3 lak\u00e1st sz\u00e1ll\u00edtott le orsz\u00e1gszerte. <\/p>\n\n\n\n

Ebben a cikkben megvitatjuk a program m\u0171k\u00f6d\u00e9s\u00e9t, \u00e9s h\u00e1rom tippet adunk azoknak, akik szeretn\u00e9nek hasznot h\u00fazni bel\u0151le.<\/p>\n\n\n\n

FIES \u2013 Fedezze fel ezt a sz\u00f6vets\u00e9gi korm\u00e1nyprogramot<\/a><\/p>H\u00cdREK<\/cite><\/blockquote><\/figure>\n\n\n\n

Program m\u0171k\u00f6d\u00e9se<\/h3>\n\n\n\n

El\u0151sz\u00f6r is a \u201eAz otthonom, az \u00e9letem<\/strong>\u201d c\u00edm\u0171, legfeljebb 7 ezer R$ havi j\u00f6vedelemmel rendelkez\u0151 csal\u00e1dokat c\u00e9lozza meg.<\/p>\n\n\n\n

Akinek nincs a nev\u00e9n saj\u00e1t lak\u00e1sa vagy lak\u00e1sfinansz\u00edroz\u00e1sa. <\/p>\n\n\n\n

A program t\u00e1mogat\u00e1st ny\u00fajt saj\u00e1t lak\u00e1s v\u00e1s\u00e1rl\u00e1s\u00e1hoz vagy \u00e9p\u00edt\u00e9s\u00e9hez, az ingatlanfinansz\u00edroz\u00e1s alacsonyabb kamata mellett. <\/p>\n\n\n\n

Az \u00e9rdekl\u0151d\u0151 csal\u00e1doknak regisztr\u00e1lniuk kell a v\u00e1rosh\u00e1zaikban vagy a programban partnerk\u00e9nt m\u0171k\u00f6d\u0151 szervezetekn\u00e9l, p\u00e9ld\u00e1ul lak\u00e1ssz\u00f6vetkezetekn\u00e9l \u00e9s lakoss\u00e1gi egyes\u00fcletekn\u00e9l.<\/p>\n\n\n\n

\u00d6sszefoglalva elmondhat\u00f3, hogy a programnak n\u00e9gy bev\u00e9teli tartom\u00e1nya van, amelyek meghat\u00e1rozz\u00e1k a t\u00e1mogat\u00e1s \u00e9rt\u00e9k\u00e9t \u00e9s a t\u00e1mogat\u00e1s felt\u00e9teleit finansz\u00edroz\u00e1s<\/a>. <\/p>\n\n\n\n

N\u00e1l n\u00e9l p\u00e1lya 1<\/strong>, legfeljebb R$ 1,8 ezer forintos j\u00f6vedelemmel rendelkez\u0151 csal\u00e1dokat c\u00e9loz meg. <\/p>\n\n\n\n

A t\u00e1mogat\u00e1s el\u00e9rheti az ingatlan \u00e9rt\u00e9k\u00e9nek 90%-j\u00e1t, a finansz\u00edroz\u00e1s pedig \u00e9vi 4,5% kamattal t\u00f6rt\u00e9nik. <\/p>\n\n\n\n

N\u00e1l n\u00e9l 2. p\u00e1lya<\/strong>, 1,8 ezer R$ \u00e9s 2,6 ezer R$ k\u00f6z\u00f6tti j\u00f6vedelemmel rendelkez\u0151 csal\u00e1doknak.<\/p>\n\n\n\n

A t\u00e1mogat\u00e1s m\u00e9rt\u00e9ke 29 ezer R$, a kamat pedig 6% \u00e9vente. <\/p>\n\n\n\n

M\u00e1r bent p\u00e1lya 3<\/strong>, 2,6 ezer R$ \u00e9s 4 ezer R$ k\u00f6z\u00f6tti j\u00f6vedelemmel rendelkez\u0151 csal\u00e1doknak.<\/p>\n\n\n\n

A t\u00e1mogat\u00e1s m\u00e9rt\u00e9ke 27,5 ezer R$, a kamatok pedig \u00e9vi 7% \u00e9s 8% k\u00f6z\u00f6tt mozognak. <\/p>\n\n\n\n

V\u00e9g\u00fcl be 4. p\u00e1lya<\/strong>, 4 ezer R$ \u00e9s 7 ezer R$ k\u00f6z\u00f6tti j\u00f6vedelemmel rendelkez\u0151 csal\u00e1doknak.<\/p>\n\n\n\n

Nincsenek t\u00e1mogat\u00e1sok, a kamatok legfeljebb 10% \u00e9vente.<\/p>\n\n\n\n

Tippek a program el\u0151nyeihez<\/h3>\n\n\n\n
    \n
  1. Tervezze meg mag\u00e1t p\u00e9nz\u00fcgyileg<\/strong>: Miel\u0151tt jelentkezne a programra, fontos, hogy v\u00e9gezzen p\u00e9nz\u00fcgyi elemz\u00e9st, \u00e9s \u00e9rtse meg, mennyit tud fizetni a finansz\u00edroz\u00e1si r\u00e9szletek\u00e9rt. Ne feledje, hogy a program anyagi hozz\u00e1j\u00e1rul\u00e1st ig\u00e9nyel a kedvezm\u00e9nyezett csal\u00e1dokt\u00f3l.<\/li>\n\n\n\n
  2. Keressen megb\u00edzhat\u00f3 ingatlank\u00f6zvet\u00edt\u0151t<\/strong>: Az ide\u00e1lis ingatlan kiv\u00e1laszt\u00e1s\u00e1hoz fontos, hogy sz\u00e1m\u00edtson egy megb\u00edzhat\u00f3 ingatlank\u00f6zvet\u00edt\u0151 seg\u00edts\u00e9g\u00e9re. Seg\u00edthet megtal\u00e1lni a profilj\u00e1n bel\u00fcli lehet\u0151s\u00e9geket, \u00e9s kialkudni a legjobb felt\u00e9teleket.<\/li>\n\n\n\n
  3. \u00dcgyeljen a hat\u00e1rid\u0151kre \u00e9s a dokumentumokra<\/strong>: A saj\u00e1t otthon megszerz\u00e9s\u00e9nek folyamata \u00e1ltal \u201eAz otthonom, az \u00e9letem<\/strong>\u201d b\u00fcrokratikus \u00e9s id\u0151ig\u00e9nyes lehet. Ez\u00e9rt fontos tiszt\u00e1ban lenni a hat\u00e1rid\u0151kkel \u00e9s a sz\u00fcks\u00e9ges dokumentumokkal, hogy elker\u00fclj\u00fck a k\u00e9s\u00e9seket \u00e9s a kellemetlens\u00e9geket. Gondosan olvassa el a programmal kapcsolatos \u00f6sszes rendelkez\u00e9sre \u00e1ll\u00f3 inform\u00e1ci\u00f3t, \u00e9s k\u00e9rjen seg\u00edts\u00e9get, amikor csak sz\u00fcks\u00e9ges.<\/li>\n<\/ol>\n\n\n\n

    K\u00f6vetkeztet\u00e9s<\/h3>\n\n\n\n

    A programban val\u00f3 r\u00e9szv\u00e9telhez meg kell felelni a meg\u00e1llap\u00edtott j\u00f6vedelmi krit\u00e9riumoknak \u00e9s meg kell keresni a Caixa Econ\u00f4mica Federal <\/a><\/strong>vagy a Brazil Bank<\/strong> tov\u00e1bbi inform\u00e1ci\u00f3k\u00e9rt, valamint finansz\u00edroz\u00e1s vagy t\u00e1mogat\u00e1s ig\u00e9nyl\u00e9s\u00e9hez.<\/p>","protected":false},"excerpt":{"rendered":"

    A \u201eMinha Casa, Minha Vida\u201d program, amelyet a brazil sz\u00f6vets\u00e9gi korm\u00e1ny hozott l\u00e9tre 2009-ben. C\u00e9lja, hogy az alacsony j\u00f6vedelm\u0171 csal\u00e1dok sz\u00e1m\u00e1ra megfelel\u0151 lak\u00e1shoz jusson. Az\u00f3ta a\u2026 <\/p>","protected":false},"author":14,"featured_media":604,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[381],"tags":[],"class_list":["post-602","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-social","latest_post"],"yoast_head":"\nMinha Casa, Minha Vida - dicas - Economia Portal<\/title>\n<meta name=\"description\" content=\"Conhe\u00e7a o programa do Governo Federal, Minha Casa Minha Vida, criado em 2009, que tem ajudado muitas fam\u00edlias a ter a sua casa pr\u00f3pria.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/economiaportal.com\/hu\/602\/a-hazam-az-eletem-tippek\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Minha Casa, Minha Vida - 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