أهم 7 نقاط عن مبادرة التمويل العقاري 2020 “حل الخروج من الأزمة”
قامت الحكومة المصرية بتدشين أول مبادرة للتمويل العقاري سنة 2014 بقيمة 10 مليار جنيه بفائدة 5% و تقسيط حتي 20 سنة و وصول مبالغ التمويل لحد أقصي 950 الف جنيه و هنا نوصل لأهم نقطة من شروط المبادرة و التي تنص على أن المبنى مبني بالكامل و مكتمل المرافق ومسجل بالشهر العقاري, فيكون العقار ليس جاهز للاستلام فقط و لكنه قابل للسكن.
أما مبادرة اليوم التي أطلقها البنك المركزي المصري و بالتعاون مع غرفة المطورين العقاريين بقيمة 50 مليار جنيه و لكن بشروط مختلفة بعض الشئ عن مبادرة 2014.
خليونا نبدأ بأن معظم مبادرات الحكومة المصرية كانت في صالح محدودي الدخل, و نجد أن معظم المطورين العقاريين كانوا يستهدفون الإسكان الفاخر و شديد التميز, و هنا يتضح لنا التهميش الواضح خلال هذه السنوات للطبقة المتوسطة و ما فوق المتوسطة. فتأتي مبادرة 2020 لتكون موجهة لهذة الطبقة المتمثلة في 50% من إجمالي التعداد السكاني لتعويضها عن التهميش السابق.
اختلفت الفائدة على التمويل هذه المرة فزادت حتى 10% متناقصة بمتوسط 6.69% سنويا.
و لكن ما هي شروط الوحدة المتعاقد عليها؟
- أن تكون كاملة التشطيب و المرافق
- لا تتخطي الـ 150 متر مربع مساحة
- لا يجتاز ثمن الوحدة 2,250,000 جنيه
أما شروط المشتري:
- دخل الفرد لا يتعدي 40 ألف جنيه أو 50 الف جنيه دخل الأسرة
- أن يكون المشتري قادر علي توفير 20% من سعر الوحدة على أن يقوم البنك بتمويل الـ 80% المتبقية
- عدم استفادة المشتري من أي مبادرات أو قرعات سابقة
- قيمة القسط الشهري + الالتزامات البنكية لا يمكن أن تتخطى 40% من الدخل الشهري للمشتري
ما هي المستندات و الأوراق المطلوبة للحصول على التمويل للموظفين:
- شهادة دخل معتمدة من مقر العمل للمشتري
- بطاقة الرقم القومي للزوج و الزوجة
- قسيمة الجواز
- عقد تمليك أو ايجار محل الاقامة الحالي
- كشف حساب بنكي لستة أشهر
ما هي المستندات والأوراق المطلوبة للحصول على التمويل لأصحاب الأنشطة التجارية:
- شهادة من محاسب قانونى بالدخل السنوي أو الشهري.
- مستخرج حديث من السجل التجاري
- البطاقة الضريبية
- عقد إيجار أو تمليك مقر النشاط
- بطاقة الرقم القومي للزوج والزوجة
- صورة من قسيمة الزواج
- عقد إيجار أو تمليك محل الإقامة أو إيصال مرافق حديث لمحل الإقامة
بشرط مضى سنة على القيد بالسجل التجاري
ما هي المستندات والأوراق المطلوبة للحصول على التمويل لأصحاب الأنشطة الغير تجارية:
- شهادة معتمدة من مصلحة الضرائب بصافي الدخل السنوي لمدة ثلاث سنوات
- شهادة من محاسب قانونى بالدخل السنوي أو الشهري
- البطاقة الضريبية
- عقد إيجار أو تمليك ثابت التاريخ لمقر النشاط
- بطاقة الرقم القومي للزوج والزوجة
- صورة من قسيمة الزواج
عقد إيجار أو تمليك محل الإقامة أو إيصال مرافق حديث لمحل الإقامة
بعض الاسئلة المتكررة:
على من ينطبق التمويل؟
- المصريون
- المصريون العاملين بالخارج
- الأجانب المقيمين والعاملين بمصر
- الموظفين وأصحاب الأعمال والمهن الحرة
ما هي نوعية الوحدات المتوفرة؟
سكني و اداري و تجاري
هل يمكن سداد قيمة القرض قبل أوانه؟
نعم, ولكن بعد مرور عام كحد أدني من تاريخ التعاقد
ما هي الإجارة؟
منتج الإجارة احد منتجات التمويل العقاري والذى يتيح للمستثمر حرية اختيار الوحدة العقارية باي مكان على مستوى الجمهورية .
يتم من خلال شراء الممول العقار ( سكني – اداري – تجاري ) من المستثمر نفسه ( شخص طبيعى أو شخص اعتباري ) أو من غيره ثم تأجيرها له بعقد اجارة منتهية بالتملك للعقار في نهاية مدة الإيجار .
و سنقوم مقالنا القادم بالتطرق الى منتج الاجارة و القروض العقارية الغير مؤمنة التي تقدمها العديد من البنوك. تابعونا في مقالات قادمة و برجاء ترك تعليقاتكم في خانة التعليقات و بانتظار أي استشارات عقارية .
مبادرة التمويل العقاري 2020 و أهم 7 نقاط
مبادرة التمويل العقاري الجديدة – الحل للخروج من الازمة
قامت الحكومة المصرية بتدشين أول مبادرة للتمويل العقاري سنة 2014 بقيمة 10 مليار جنيه بفائدة 5% و تقسيط حتي 20 سنة و وصول مبالغ التمويل لحد أقصي 950 الف جنيه و هنا نوصل لأهم نقطة من شروط المبادرة و التي تنص على أن المبنى مبني بالكامل و مكتمل المرافق ومسجل بالشهر العقاري, فيكون العقار ليس جاهز للاستلام فقط و لكنه قابل للسكن.
أما مبادرة مبادرة التمويل العقاري التي أطلقها البنك المركزي المصري اليوم و بالتعاون مع غرفة المطورين العقاريين بقيمة 50 مليار جنيه و لكن بشروط مختلفة بعض الشئ عن مبادرة التمويل العقاري الخاصة ب 2014.
خليونا نبدأ بأن معظم مبادرات الحكومة المصرية كانت في صالح محدودي الدخل, و نجد أن معظم المطورين العقاريين كانوا يستهدفون الإسكان الفاخر و شديد التميز, و هنا يتضح لنا التهميش الواضح خلال هذه السنوات للطبقة المتوسطة و ما فوق المتوسطة. فتأتي مبادرة 2020 لتكون موجهة لهذة الطبقة المتمثلة في 50% من إجمالي التعداد السكاني لتعويضها عن التهميش السابق.
اختلفت الفائدة على التمويل هذه المرة فزادت حتى 10% متناقصة بمتوسط 6.69% سنويا.
و لكن ما هي شروط الوحدة المتعاقد عليها في مبادرة التمويل العقاري؟
- أن تكون كاملة التشطيب و المرافق
- لا تتخطي الـ 150 متر مربع مساحة
- لا يجتاز ثمن الوحدة 2,250,000 جنيه
أما شروط المشتري:
- دخل الفرد لا يتعدي 40 ألف جنيه أو 50 الف جنيه دخل الأسرة
- أن يكون المشتري قادر علي توفير 20% من سعر الوحدة على أن يقوم البنك بتمويل الـ 80% المتبقية
- عدم استفادة المشتري من أي مبادرات أو قرعات سابقة
- قيمة القسط الشهري + الالتزامات البنكية لا يمكن أن تتخطى 40% من الدخل الشهري للمشتري
ما هي المستندات و الأوراق المطلوبة في مبادرة التمويل العقاري للحصول على التمويل للموظفين:
- شهادة دخل معتمدة من مقر العمل للمشتري
- بطاقة الرقم القومي للزوج و الزوجة
- قسيمة الجواز
- عقد تمليك أو ايجار محل الاقامة الحالي
- كشف حساب بنكي لستة أشهر
ما هي المستندات والأوراق المطلوبة للحصول على التمويل لأصحاب الأنشطة التجارية:
- شهادة من محاسب قانونى بالدخل السنوي أو الشهري.
- مستخرج حديث من السجل التجاري
- البطاقة الضريبية
- عقد إيجار أو تمليك مقر النشاط
- بطاقة الرقم القومي للزوج والزوجة
- صورة من قسيمة الزواج
- عقد إيجار أو تمليك محل الإقامة أو إيصال مرافق حديث لمحل الإقامة
بشرط مضى سنة على القيد بالسجل التجاري
ما هي المستندات والأوراق المطلوبة للحصول على التمويل لأصحاب الأنشطة الغير تجارية:
- شهادة معتمدة من مصلحة الضرائب بصافي الدخل السنوي لمدة ثلاث سنوات
- شهادة من محاسب قانونى بالدخل السنوي أو الشهري
- البطاقة الضريبية
- عقد إيجار أو تمليك ثابت التاريخ لمقر النشاط
- بطاقة الرقم القومي للزوج والزوجة
- صورة من قسيمة الزواج
عقد إيجار أو تمليك محل الإقامة أو إيصال مرافق حديث لمحل الإقامة
بعض الاسئلة المتكررة:
على من ينطبق التمويل؟
- المصريون
- المصريون العاملين بالخارج
- الأجانب المقيمين والعاملين بمصر
- الموظفين وأصحاب الأعمال والمهن الحرة
ما هي نوعية الوحدات المتوفرة؟
سكني و اداري و تجاري
هل يمكن سداد قيمة القرض قبل أوانه؟
نعم, ولكن بعد مرور عام كحد أدني من تاريخ التعاقد
ما هي الإجارة؟
منتج الإجارة احد منتجات التمويل العقاري والذى يتيح للمستثمر حرية اختيار الوحدة العقارية باي مكان على مستوى الجمهورية .
يتم من خلال شراء الممول العقار ( سكني – اداري – تجاري ) من المستثمر نفسه ( شخص طبيعى أو شخص اعتباري ) أو من غيره ثم تأجيرها له بعقد اجارة منتهية بالتملك للعقار في نهاية مدة الإيجار .
و سنقوم مقالنا القادم بالتطرق الى منتج الاجارة و القروض العقارية الغير مؤمنة التي تقدمها العديد من البنوك. تابعونا في مقالات قادمة و برجاء ترك تعليقاتكم في خانة التعليقات او اي اسئلة عن مبادرة التمويل العقاري و بانتظار أي استشارات عقارية
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