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Dar gelirliye TOKİ tarafından uygun taksitlerle konutlar sunulmaya devam ediliyor. Bu anlamda aylık 305 lira verebilen ve 5 bin lira peşinatı olan vatandaşlar bu konutlara sahip olabilecek. Alt gelir grubu için üretilen ucuz konutlar çok fazla sayıda başvuru aldığı için kuralı olarak satılmaktadır. Ancak bu tip satışlarda bazen yeterli sayıda başvuru olmaması bazen de kurada adı çıkan kişilerin vazgeçmeleri ya da kurada hak kazanmasına rağmen TOKİ alt gelir grubu başvuru şartları için uygun olmamaları gibi nedenlerle başvuruları iptal edilebilmektedir. Güncellenen yeni liste ile farklı illerde bulunan 28 adet konut projesi ile 5 bin lira peşinat ve 305 liradan başlayan taksitlerle konut sahibi olma imkanı sağlandı. İşte son dakika haberi ve detaylar takvim.com.tr 'de.
TOKİ ŞANLIURFA VİRANŞEHİR ALT GELİR GRUBU SATIŞ DUYURUSU
İlanlar arasında yer alan 43 adet konut;ön şartsız, kurasız başvuru önceliğine göre konut alma ve seçme olanağı ile 26 Şubat 2020 - 30 Haziran 2020 tarihleri arasında Halkbank şubeleri üzerinden açık satış yöntemi ile açık satışa sunulacak.
Satışlarda 5 bin lira peşinat seçeneği sunulurken en düşük aylık taksit tutarı ise 305,60 lira olarak gerçekleşecek.
TOKİ AÇIK SATIŞ NE DEMEK?
Toplu Konut İdaresi Başkanlığı tarafından satışa sunulan konutlar farklı kategorilerde satılmaktadır. Alt gelir grubu için üretilen ucuz konutlar çok fazla sayıda başvuru aldığı için kuralı olarak satılmaktadır. Ancak bu tip satışlarda bazen yeterli sayıda başvuru olmaması bazen de kurada adı çıkan kişilerin vazgeçmeleri ya da kurada hak kazanmasına rağmen TOKİ alt gelir grubu başvuru şartları için uygun olmamaları gibi nedenlerle başvurları iptal edilebilmektedir.
İşte elde kalan bu konutlar TOKİ tarafından açık satış yöntemi ile kurasız başvuru önceliğine göre satılmaktadır. Bu konutlar TOKİ'nin internet sitesi üzerinden ilan edilmekte olup ev başvurusu projelere göre Ziraat Bankası ve Halkbank şubeleri üzerinden konut peşinatı ile şahsen yapılmaktadır.
KURA ÇEKİLİŞİ
"Hak Sahibi Belirleme Kurası" noter huzurunda; Banka ve İdare yetkilileri denetiminde gerçekleştirilecektir.
1) Şehit Aileleri, Harp ve Vazife Malulleri ile Dul ve Yetimleri konut sayısının %10'u kadar kontenjan ayrılacak ve gerek görüldüğü takdirde kura ile hak sahip leri belirlenecektir. Kura sonucu bu kategoriden hak sahibi olamayan başvuru sahipleri diğer alıcılar kategorisindeki başvuru sahipleri ile birlikte kuraya tabi tutulacaktır.
2) "En Az %40 Engelli Vatandaşlara" konut sayısının %5'i kadar kontenjan ayrılacak ve gerek görüldüğü takdirde kura ile hak sahipleri belirlenecektir. Kura sonucu bu kategoriden hak sahibi olamayan başvuru sahipleri diğer alıcılar kategorisindeki başvuru sahipleri ile birlikte kuraya tabi tutulacaktır.
3) Diğer Konut Alıcı Adayları için İdaremizin genel uygulamalarında olduğu üzere başvuru sayısına göre gerektiği takdirde kura ile hak sahip leri belirlenecektir.
Kura çekiliş yeri ve programı daha sonra açıklanacaktır.
Kurada, asil ve yedek olarak hak sahibi olamayanlar başvuru bedellerini, kura çekiliş tarihinden itibaren 2 (iki) iş günü sonrasında T.C. Ziraat Bankası A.Ş. yetkili Şube'lerinden geri alabilecektir.
Projenin bağımsız bölüm listesi ve konut fiyatları belirlendikten sonra İdare'ce belirlenecek tarihte "Konut Belirleme Kurası " çekilecektir.
İhale sonrası konut sayılarında azalma olması durumunda konut belirleme kurası ile birlikte ilk kurada belirlenen hak sahipleri arasından konut sayısı kadar hak sahibi belirleme kurası çekilecektir.
SÖZLEŞME İMZALANMASI
Konut belirleme kurası ile konutu belli olan alıcılar İdarenin belirleyeceği ve ilan edeceği tarihlerde T.C. Ziraat Bankası A.Ş. Temerküz Şubesinde (Daha sonra ilan edilecektir.) Gayrimenkul Satış Sözleşmesi ve kredi kullanım işlemlerini gerçekleştireceklerdir.
Sözleşme imzalama aşamasında;
Nüfus Müdürlüğünden adrese dayalı kayıt sistemine göre alınacak olan Proje bulunduğu il sınırları içerisinde 1 (bir) yıldan az olmamak koşulu ile ikamet ettiğini kanıtlayacak belge,
Hane halkı gelirinin en fazla net 5.500 TL (İstanbul için 6.000 TL) olduğunu kanıtlayan gelir belgeleri,
Gerekli görüldüğünde istenebilecek ek belgeler ile birlikte ilan edilen tarihlerde ibraz ederek başvuru şartlarına sahip olduklarını kanıtlayacaklardır.
ÖDEMELER NASIL OLACAK?
Hak sahip lerine konutlar; Satış fiyatının %10'u peşin (Başvuru bedeli düşüldükten sonra kalan tutar), kalan tutarın tamamı aylık % 0.49 oran ve 240 ay vade ile ödenecektir. (T.C. Ziraat Bankası A.Ş. tarafından konut alıcılarına kredi kullandırılacaktır.)
Taksit ödemeleri, sözleşme tarihini takip eden ay itibariyle başlatılacaktır.
Projenin yeterli talebin oluşmaması veya mücbir sebepler nedeniyle projenin gerçekleştirilememesi halinde, başvuru bedeli belirlenecek geri ödeme takvimi çerçevesinde en kısa sürede faizsiz bir şekilde iade edilecektir.
TEK FIRSAT TOKİ DEĞİL
TOKİ projelerinin bulunduğu yerlerde oturmak istemeyen veya şartları yerine getiremeyen vatandaşlar için başka cazip fırsatlar da yok değil. Bunların başında devletin hibe desteği sunduğu konut hesabı uygulaması var. Konut hesabına 30 bin TL'yi aşan hibe desteği veriliyor.
EV ALANA DESTEK
Konut hesabı uygulamasında devlet katkısı yeni yılda artıyor. 5 yıl birikim yapan ilk evini aldığında 30 bin lira alabilecek. 5 yıl veya daha uzun sürede 121 bin 334 lira biriktirene, ev aldığında 30 bin 333 lira katkı ödenecek.
Bankada 3-5 yıl düzenli birikim yapanlara ilk evini aldıklarında devlet katkısı verilmesini içeren konut hesabında tutarlar, yeni yılda yüzde 22.58'lik yeniden değerleme oranında artacak..
Buna göre; hesaba aylık ödemede alt sınır 475,82, üst sınır 4 bin 758 liraya çıkacak. Hesaba açılışta bir defada yatırılabilecek azami tutar da 57 bin 96 liraya yükselecek. Devlet katkısı tavanı ise 24 bin 746 liradan 30 bin 333 liraya çıkacak. 5 yıl veya daha uzun sürede 121 bin 334 lira biriktirene, ev aldığında 30 bin 333 lira katkı ödenecek..
KONUT HESABI NEDİR?
Konut hesabı, vatandaşların uzun vadeli birikim yapmalarını sağlayan ve gerekli şartların sağlanmasıyla birlikte Devlet katkısının da birikime eklendiği bir tasarrufa teşvik çalışmasıdır. Konut hesabı, yurt içinde ilk ve tek konut satın almalarını desteklemek amacıyla hayata geçirildi.