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Toplu Konut İdaresi 'nden (TOKİ ) ev almak isteyenler için müjdeli haber verildi. Her yıl binlerce kişiyi az peşinat, düşük taksit ve uzun vade ile ev sahibi yapan TOKİ satışa sunduğu daireleri duyurdu. 1.057 konutta kura ve çekilişin olmadığı büyük fırsatta aylık ödemeler 557 liradan başlıyor. TOKİ'nin dört ilde kurasız açık satış yöntemiyle bin 365 konut, bir ilde de 436 konut için kuralı satışlarına bazı illerde başvuru alınmaya devam ediyor. Daire almak isteyenler başvuru şartlarını, hangi illerde satış yapıldığını ve ödeme şartlarını öğrenmek istiyor. TOKİ başvuruları kurum tarafından verilen ilan metninde belirtilen bankalara yapılıyor. Satışlar ya Ziraat Bankası şubeleri ya da Halkbank şubeleri üzerinden yapılıyor. Konutlardan satın almak isteyen kişiler belirlenen TOKİ peşinatı ile banka şubelerine başvuruda bulunarak burada gerekli işlemleri tamamlıyor.
Alt ve orta gelir grubuna hitap eden projelerde fiyatlar en düşük 114 bin lira seviyesinde.
En düşük peşinat seçeneğine göre taksitler de yaklaşık 557 liradan başlıyor.
240 AYA KADAR VADE
Ödeme seçenekleri ise projeden projeye farklılık gösteriyor.
Seçenekler arasında yüzde 12 peşinat bedeli için 180 ay vade, yüzde 20 peşinat bedeli için 240 ay vade, yüzde 10 peşinat bedeli için 120 ay vade, yüzde 20 peşinat bedeli için 180 ay vade bulunuyor. İlk taksit ödemesi ise konut teslim tarihini takip eden ay itibarıyla başlıyor.
TOKİ'DEN NASIL EV SAHİBİ OLUNUR, BAŞVURU NASIL YAPILIR?
TOKİ 'den ev sahibi olmak ve konut satın almak isteyen vatandaşların https://www.toki.gov.tr/ internet sitesi üzerinden yayımlanan ilanlara ulaşarak, ilanın başvuru şartlarını inceledikten sonra belirlenen peşinatı Halkbank ya da Ziraat Bankası 'na yatırması gerekecek. TOKİ'nin belirlediği tarihlerde başvuru formu ve peşinat olarak yatırılan tutarın dekontu ile başvurması yeterli olacak.
BAŞVURU ŞARTLARI NELERDİR?
Türk vatandaşı olmak,
Başvuru yapılacak olan konut projesinin yer aldığı il ve ilçe sınırları içerisinde en az 1 yıldır ikamet etmek ve bu il nüfusuna kayıtlı olmak,
Daha önce TOKİ 'den konut almamak ya da TOKİ kredisi kullanmamış olmak,
Konut başvurusu yapacak olan kişinin kendisine, eşine ya da bakmakla yükümlü olduğu velayeti altındaki çocuklara ait tapuda kayıtlı bağımsız herhangi bir taşınmaz kaydı bulunmaması,
Başvuruda bulunacak olan kişinin en az 25 yaşında olması,
Aylık toplam hane halkı geliri sınırının 2 bin 600 lirayı aşmaması (yani aynı ev içerisinde yaşayan kişilerin toplam gelirlerinin en fazla 2 bin 600 lira olması, İstanbul için bu sınır 3 bin 100 lira olarak uygulanmaktadır).
TOKİ Başvuruları Nereye Yapılıyor?
Toplu Konut İdaresi Başkanlığı TOKİ Türkiye genelinde farklı illerde çok sayıda konut projesini eş zamanlı olarak yürütüyor. Her konut projesi için kurum önce ihaleye çıkıyor ve konut işini ihaleyi kazanan firmaya veriyor.
TOKİ başvuruları kurum tarafından verilen ilan metninde belirtilen bankalara yapılıyor. Satışlar ya Ziraat Bankası şubeleri ya da Halkbank şubeleri üzerinden yapılıyor. Konutlardan satın almak isteyen kişiler belirlenen TOKİ peşinatı ile banka şubelerine başvuruda bulunarak burada gerekli işlemleri tamamlıyor.
Ardından da alt gelir grubu ve orta gelir grubu için TOKİ kura çekilişi aşamasına geçiliyor. Üretilen konuttan daha fazla kişi tarafından projeye başvuruda bulunulması durumunda TOKİ kura çekilişi yapılıyor. Zaten TOKİ başvuru yerleri tarafından da TOKİ başvuru formu dolduran kişilere bu bilgi veriliyor.
Hak sahiplerinin belirlenmesinin ardından TOKİ konut sözleşmesi imzalanıyor ve konut teslimleri yapılıyor. Bazı projelerde ise TOKİ başvuru önceliği ile konut satışı yapıyor. Yani ilk başvuruda bulunan kişi satışa sunulan konutu satın almış oluyor. Bu nedenle TOKİ satış ilanları ve duyurularının yakından takip edilmesi gerekiyor.