{"id":3003,"date":"2024-06-08T00:12:30","date_gmt":"2024-06-08T03:12:30","guid":{"rendered":"https:\/\/bluerabbitech.com\/?p=3003"},"modified":"2025-06-08T00:45:23","modified_gmt":"2025-06-08T03:45:23","slug":"3003-2","status":"publish","type":"post","link":"https:\/\/bluerabbitech.com\/sl\/3003-2\/","title":{"rendered":"Celoten vodnik po programu Mi Casa Ya"},"content":{"rendered":"<p data-start=\"312\" data-end=\"649\">Ali sanjate o lastni hi\u0161i? Potem ... <strong data-start=\"361\" data-end=\"375\">Moja hi\u0161a zdaj<\/strong> Lahko bi bil va\u0161 najve\u010dji zaveznik! Ta kolumbijski vladni program je \u017ee pomagal tiso\u010dim dru\u017einam, da so se izselile iz najetih stanovanj in si pridobile spodoben dom.<\/p>\n<p data-start=\"312\" data-end=\"649\">Toda po za\u010detku postopka registracije se pojavi veliko vpra\u0161anje: <strong data-start=\"586\" data-end=\"649\">Kako vem, ali sem bil odobren za subvencijo Mi Casa Ya?<\/strong><\/p>\n<p data-start=\"651\" data-end=\"934\">\u010ce imate tudi vi to vpra\u0161anje, brez skrbi!<\/p>\n<p data-start=\"651\" data-end=\"934\">V tem obse\u017enem in optimiziranem \u010dlanku boste odkrili <strong data-start=\"754\" data-end=\"771\">korak za korakom<\/strong> Kako hitro in varno preveriti status upravi\u010denca ter dragoceni nasveti, s katerimi boste zagotovili, da ne boste zamudili prilo\u017enosti za uresni\u010ditev teh sanj.<\/p>\n<h2 data-start=\"941\" data-end=\"980\">\u2705 <strong data-start=\"946\" data-end=\"980\">Kaj je program Moja hi\u0161a?<\/strong><\/h2>\n<p data-start=\"982\" data-end=\"1191\">TA <strong data-start=\"984\" data-end=\"998\">Moja hi\u0161a zdaj<\/strong> Gre za socialni program, ki ga upravlja <strong data-start=\"1036\" data-end=\"1096\">Ministrstvo za stanovanja, mesta in ozemlja Kolumbije<\/strong>, s ciljem olaj\u0161anja dostopa do lastni\u0161tva stanovanja za dru\u017eine <strong data-start=\"1167\" data-end=\"1190\">nizki in srednji dohodki<\/strong>.<\/p>\n<p data-start=\"1193\" data-end=\"1232\">Ponuja dve glavni prednosti:<\/p>\n<ul data-start=\"1234\" data-end=\"1511\">\n<li data-start=\"1234\" data-end=\"1369\">\n<p data-start=\"1236\" data-end=\"1369\">\ud83c\udfe0 <strong data-start=\"1239\" data-end=\"1264\">Vstopni dodatek<\/strong> (20 do 30 trenutno zakonsko dolo\u010denih mese\u010dnih minimalnih pla\u010d \u2013 SMLV), v skladu z razvrstitvijo v <strong data-start=\"1355\" data-end=\"1368\">Sisben IV.<\/strong>.<\/p>\n<\/li>\n<li data-start=\"1370\" data-end=\"1511\">\n<p data-start=\"1372\" data-end=\"1511\">\ud83d\udcb0 <strong data-start=\"1375\" data-end=\"1405\">Obrestno kritje<\/strong> od financiranja (zni\u017eanje za 4 do 5 to\u010dk), zaradi \u010desar so hipotekarna pla\u010dila dostopnej\u0161a.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1513\" data-end=\"1644\">Program je namenjen obema <strong data-start=\"1549\" data-end=\"1587\">socialna stanovanja (VIS)<\/strong> koliko za <strong data-start=\"1600\" data-end=\"1643\">stanovanja s prednostnim interesom (VIP)<\/strong>.<\/p>\n<h2 data-start=\"1651\" data-end=\"1698\">\ud83d\udcdd <strong data-start=\"1657\" data-end=\"1698\">Kdo se lahko prijavi za Mi Casa Ya?<\/strong><\/h2>\n<p data-start=\"1700\" data-end=\"1807\">Preden preverite, ali ste bili odobreni, preverite, ali izpolnjujete naslednje zahteve. <strong data-start=\"1779\" data-end=\"1806\">obvezne zahteve<\/strong>:<\/p>\n<ul data-start=\"1809\" data-end=\"2270\">\n<li data-start=\"1809\" data-end=\"1869\">\n<p data-start=\"1811\" data-end=\"1869\">\ud83d\udd0d Bodite registrirani na <strong data-start=\"1834\" data-end=\"1847\">Sisben IV.<\/strong>, v skupinah od A1 do D20.<\/p>\n<\/li>\n<li data-start=\"1870\" data-end=\"1923\">\n<p data-start=\"1872\" data-end=\"1923\">\ud83c\udfe1 Ne posedujem nobene druge nepremi\u010dnine, registrirane v Kolumbiji.<\/p>\n<\/li>\n<li data-start=\"1924\" data-end=\"1998\">\n<p data-start=\"1926\" data-end=\"1998\">\u274c Da prej ni prejel druge dr\u017eavne stanovanjske subvencije.<\/p>\n<\/li>\n<li data-start=\"1999\" data-end=\"2103\">\n<p data-start=\"2001\" data-end=\"2103\">\ud83d\udcdd Imeti <strong data-start=\"2011\" data-end=\"2067\">odobreno hipotekarno posojilo ali najem stanovanja<\/strong> skupaj s finan\u010dno institucijo.<\/p>\n<\/li>\n<li data-start=\"2104\" data-end=\"2157\">\n<p data-start=\"2106\" data-end=\"2157\">\ud83d\udcd1 Ko sem izbral enega <strong data-start=\"2127\" data-end=\"2143\">nova hi\u0161a<\/strong> (VIS ali VIP).<\/p>\n<\/li>\n<li data-start=\"2158\" data-end=\"2270\">\n<p data-start=\"2160\" data-end=\"2270\">\u2705 Po uradni vlo\u017eitvi zahteve s podporo <strong data-start=\"2228\" data-end=\"2269\">gradbeno podjetje ali finan\u010dna institucija<\/strong>.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2272\" data-end=\"2431\"><strong data-start=\"2272\" data-end=\"2298\">Pomembno obvestilo:<\/strong> Dru\u017eine s \u010dlani <strong data-start=\"2320\" data-end=\"2341\">elektroodvisen<\/strong> Sodelujejo lahko tudi, \u010de niso v najbolj ranljivi skupini 40% v Sisb\u00e9nu.<\/p>\n<h2 data-start=\"2438\" data-end=\"2499\">\u2753 <strong data-start=\"2443\" data-end=\"2499\">Ali Mi Casa Ya objavlja uradni seznam odobrenih kandidatov?<\/strong><\/h2>\n<p data-start=\"2501\" data-end=\"2689\">To je pogosto vpra\u0161anje. <strong data-start=\"2528\" data-end=\"2592\">Program Mi Casa Ya ne objavlja javnih seznamov sprejetih.<\/strong> na svoji uradni spletni strani ali v medijih, iz razlogov <strong data-start=\"2658\" data-end=\"2688\">varstvo osebnih podatkov<\/strong>.<\/p>\n<p data-start=\"2691\" data-end=\"2873\">Vendar pa lahko vsak udele\u017eenec individualno preveri <strong data-start=\"2754\" data-end=\"2783\">stanje va\u0161e zahteve<\/strong> po uradnih poteh in s podporo finan\u010dnih institucij in gradbenih podjetij.<\/p>\n<h2 data-start=\"2880\" data-end=\"2935\">\ud83d\udd0d <strong data-start=\"2886\" data-end=\"2935\">Kako preverim, ali sem bil odobren za Mi Casa Ya?<\/strong><\/h2>\n<p data-start=\"2937\" data-end=\"3011\">Tukaj so <strong data-start=\"2951\" data-end=\"2981\">uradne in varne metode<\/strong> Za potrditev va\u0161e odobritve:<\/p>\n<h3 data-start=\"3013\" data-end=\"3065\">1\ufe0f\u20e3 Posvetujte se s svojo banko ali finan\u010dno institucijo.<\/h3>\n<p data-start=\"3067\" data-end=\"3214\">Tvoj <strong data-start=\"3071\" data-end=\"3103\">banka ali finan\u010dna institucija<\/strong> Je glavni vir informacij o postopku odobritve. Imajo dostop do platforme ministrstva v realnem \u010dasu.<\/p>\n<p data-start=\"3216\" data-end=\"3227\"><strong data-start=\"3216\" data-end=\"3227\">Koraki:<\/strong><\/p>\n<ol data-start=\"3229\" data-end=\"3389\">\n<li data-start=\"3229\" data-end=\"3278\">\n<p data-start=\"3232\" data-end=\"3278\">Obrnite se na svojega kreditnega svetovalca.<\/p>\n<\/li>\n<li data-start=\"3279\" data-end=\"3345\">\n<p data-start=\"3282\" data-end=\"3345\">Prosimo, navedite svojo identifikacijsko \u0161tevilko in podatke o registraciji.<\/p>\n<\/li>\n<li data-start=\"3346\" data-end=\"3389\">\n<p data-start=\"3349\" data-end=\"3389\">Vpra\u0161ajte, ali je bila subvencija \u017ee dodeljena.<\/p>\n<\/li>\n<\/ol>\n<h3 data-start=\"3391\" data-end=\"3439\">2\ufe0f\u20e3 Posvetujte se z gradbenim podjetjem ali prodajno pisarno.<\/h3>\n<p data-start=\"3441\" data-end=\"3632\">\u010ce nepremi\u010dnino pridobivate prek nepremi\u010dninskega projekta, podjetje samo <strong data-start=\"3525\" data-end=\"3540\">gradbeno podjetje<\/strong> Preverite lahko, ali je bila subvencija \u017ee izpla\u010dana, saj ima veliko podjetij sklenjene pogodbe s programom.<\/p>\n<h3 data-start=\"3634\" data-end=\"3678\">3\ufe0f\u20e3 Pokli\u010dite ministrstvo za stanovanja<\/h3>\n<p data-start=\"3680\" data-end=\"3741\">Informacije lahko dobite neposredno prek uradnega kontakta:<\/p>\n<p data-start=\"3743\" data-end=\"3877\">\ud83d\udcde Brezpla\u010dna nacionalna linija: <strong data-start=\"3771\" data-end=\"3788\">018000 413664<\/strong><br data-start=\"3788\" data-end=\"3791\" \/>\ud83d\udcde Telefonska linija v Bogoti: <strong data-start=\"3811\" data-end=\"3828\">(601) 3323434<\/strong><br data-start=\"3828\" data-end=\"3831\" \/>\u23f0 Delovni \u010das: od ponedeljka do petka, od 8.00 do 17.00.<\/p>\n<h3 data-start=\"3879\" data-end=\"3910\">4\ufe0f\u20e3 Po\u0161ljite uradno e-po\u0161to<\/h3>\n<p data-start=\"3912\" data-end=\"3965\">Druga prakti\u010dna mo\u017enost je, da ministrstvu po\u0161ljete e-po\u0161to:<\/p>\n<p data-start=\"3967\" data-end=\"4010\">\ud83d\udce7 <strong data-start=\"3970\" data-end=\"4010\"><a class=\"cursor-pointer\" rel=\"noopener\" data-start=\"3972\" data-end=\"4008\">atencionciudadano@minvivienda.gov.co<\/a><\/strong><\/p>\n<p data-start=\"4012\" data-end=\"4044\">Vklju\u010dite naslednje podatke:<\/p>\n<ul data-start=\"4046\" data-end=\"4156\">\n<li data-start=\"4046\" data-end=\"4062\">\n<p data-start=\"4048\" data-end=\"4062\">Polno ime.<\/p>\n<\/li>\n<li data-start=\"4063\" data-end=\"4098\">\n<p data-start=\"4065\" data-end=\"4098\">Identifikacijska \u0161tevilka (osebna izkaznica).<\/p>\n<\/li>\n<li data-start=\"4099\" data-end=\"4130\">\n<p data-start=\"4101\" data-end=\"4130\">Ime stanovanjskega projekta.<\/p>\n<\/li>\n<li data-start=\"4131\" data-end=\"4156\">\n<p data-start=\"4133\" data-end=\"4156\">Finan\u010dna institucija.<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"4158\" data-end=\"4198\">5\ufe0f\u20e3 Preverite spletno stran graditelja<\/h3>\n<p data-start=\"4200\" data-end=\"4341\">Nekatera gradbena podjetja ponujajo <strong data-start=\"4233\" data-end=\"4250\">spletni portal<\/strong> Za spremljanje procesa. Preverite pri svojem gradbenem podjetju, ali je to mogo\u010de.<\/p>\n<h2 data-start=\"4348\" data-end=\"4390\">\ud83d\udccb <strong data-start=\"4354\" data-end=\"4390\">Glavna stanja zahtev<\/strong><\/h2>\n<p data-start=\"4392\" data-end=\"4462\">Ko izvedete iskanje, lahko najdete naslednje. <strong data-start=\"4451\" data-end=\"4461\">stanje<\/strong>:<\/p>\n<ul data-start=\"4464\" data-end=\"4749\">\n<li data-start=\"4464\" data-end=\"4519\">\n<p data-start=\"4466\" data-end=\"4519\"><strong data-start=\"4466\" data-end=\"4482\">\u2705 Dodeljeno:<\/strong> \u010cestitamo! Va\u0161a prijava je bila odobrena.<\/p>\n<\/li>\n<li data-start=\"4520\" data-end=\"4575\">\n<p data-start=\"4522\" data-end=\"4575\"><strong data-start=\"4522\" data-end=\"4542\">\ud83d\udd52 V teku:<\/strong> Vloga prejeta in v pregledu.<\/p>\n<\/li>\n<li data-start=\"4576\" data-end=\"4666\">\n<p data-start=\"4578\" data-end=\"4666\"><strong data-start=\"4578\" data-end=\"4607\">\ud83d\udcc4 Dokumentacija v teku:<\/strong> Manjkajo nekateri dokumenti; prosimo, obrnite se na svojega svetovalca.<\/p>\n<\/li>\n<li data-start=\"4667\" data-end=\"4749\">\n<p data-start=\"4669\" data-end=\"4749\"><strong data-start=\"4669\" data-end=\"4689\">\u274c Ni dodeljeno:<\/strong> V trenutnem krogu ni bilo odobreno; lahko poskusite znova.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"4756\" data-end=\"4799\">\ud83c\udfe1 <strong data-start=\"4762\" data-end=\"4799\">Kaj naj storim, \u010de sem opravil\/a?<\/strong><\/h2>\n<p data-start=\"4801\" data-end=\"4818\">Po odobritvi:<\/p>\n<ol data-start=\"4820\" data-end=\"5033\">\n<li data-start=\"4820\" data-end=\"4880\">\n<p data-start=\"4823\" data-end=\"4880\"><strong data-start=\"4823\" data-end=\"4844\">Podpi\u0161ite pogodbo<\/strong> Stanovanjski kredit ali leasing.<\/p>\n<\/li>\n<li data-start=\"4881\" data-end=\"4917\">\n<p data-start=\"4884\" data-end=\"4917\"><strong data-start=\"4884\" data-end=\"4906\">Podpi\u0161ite listino.<\/strong> nepremi\u010dnine.<\/p>\n<\/li>\n<li data-start=\"4918\" data-end=\"4988\">\n<p data-start=\"4921\" data-end=\"4988\">TA <strong data-start=\"4923\" data-end=\"4962\">Subvencija se sprosti samodejno.<\/strong> ob podpisu.<\/p>\n<\/li>\n<li data-start=\"4989\" data-end=\"5033\">\n<p data-start=\"4992\" data-end=\"5033\">Prosim, po\u010dakajte <strong data-start=\"5002\" data-end=\"5032\">uradna primopredaja nepremi\u010dnine<\/strong>.<\/p>\n<\/li>\n<\/ol>\n<p data-start=\"5035\" data-end=\"5161\">Ne pozabite: <strong data-start=\"5046\" data-end=\"5096\">Znesek subvencije se ne izpla\u010da v gotovini.<\/strong>, Vendar se uporablja za neposredno zmanj\u0161anje obrokov ali predpla\u010dil.<\/p>\n<h2 data-start=\"5168\" data-end=\"5211\">\ud83d\udd52 <strong data-start=\"5174\" data-end=\"5211\">Kaj pa, \u010de \u0161e niste bili odobreni?<\/strong><\/h2>\n<ul data-start=\"5213\" data-end=\"5506\">\n<li data-start=\"5213\" data-end=\"5255\">\n<p data-start=\"5215\" data-end=\"5255\">Posodobite svoje podatke na <strong data-start=\"5244\" data-end=\"5254\">Sisben<\/strong>.<\/p>\n<\/li>\n<li data-start=\"5256\" data-end=\"5324\">\n<p data-start=\"5258\" data-end=\"5324\">Preverite, ali izbrana nepremi\u010dnina izpolnjuje pogoje VIS\/VIP.<\/p>\n<\/li>\n<li data-start=\"5325\" data-end=\"5386\">\n<p data-start=\"5327\" data-end=\"5386\">Prepri\u010dajte se, da je kredit <strong data-start=\"5363\" data-end=\"5385\">odobreno in veljavno<\/strong>.<\/p>\n<\/li>\n<li data-start=\"5387\" data-end=\"5506\">\n<p data-start=\"5389\" data-end=\"5506\">Sledite koledarju <strong data-start=\"5415\" data-end=\"5458\">novi krogi spro\u0161\u010danja subvencij<\/strong>, ker program koncesije izvaja po fazah.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"5513\" data-end=\"5562\">\ud83d\udca1 <strong data-start=\"5519\" data-end=\"5562\">Dodatni nasveti za pove\u010danje mo\u017enosti<\/strong><\/h2>\n<p data-start=\"5564\" data-end=\"5810\">\u2705 Poskrbite za a\u017eurnost registracije. <strong data-start=\"5591\" data-end=\"5612\">Sisb\u00e9n je posodobljen<\/strong>.<br data-start=\"5613\" data-end=\"5616\" \/>\u2705 Imej enega <strong data-start=\"5627\" data-end=\"5655\">dobra kreditna zgodovina<\/strong>.<br data-start=\"5656\" data-end=\"5659\" \/>\u2705 Izberi enega <strong data-start=\"5673\" data-end=\"5738\">Zanesljivo gradbeno podjetje z dobrim odnosom s programom.<\/strong>.<br data-start=\"5739\" data-end=\"5742\" \/>\u2705 Preverite, \u010de so vsi <strong data-start=\"5766\" data-end=\"5809\">Dokumenti so pravilni in a\u017eurni.<\/strong>.<\/p>\n<h2 data-start=\"5817\" data-end=\"5836\">\ud83d\ude80 <strong data-start=\"5823\" data-end=\"5836\">Zaklju\u010dek<\/strong><\/h2>\n<p data-start=\"5838\" data-end=\"6096\">TA <strong data-start=\"5840\" data-end=\"5854\">Moja hi\u0161a zdaj<\/strong> \u0160e vedno je ena naju\u010dinkovitej\u0161ih pobud za uresni\u010ditev sanj o lastni\u0161tvu stanovanja v Kolumbiji. \u010ceprav postopek zahteva pozornost in potrpe\u017eljivost, je z dobro podporo to mogo\u010de. <strong data-start=\"6043\" data-end=\"6069\">spremljajte svoje stanje<\/strong> Na prakti\u010den in varen na\u010din.<\/p>\n<p data-start=\"6098\" data-end=\"6330\">\ud83d\udc49 \u010ce ste postopek \u017ee za\u010deli, vzdr\u017eujte stalen stik s svojo banko in gradbenim podjetjem.<br data-start=\"6191\" data-end=\"6194\" \/>\ud83d\udc49 \u010ce se \u0161e niste prijavili, <strong data-start=\"6229\" data-end=\"6265\">Ne zamudite novih prilo\u017enosti.<\/strong> Prijavite se in izkoristite to spodbudo za nakup svojega doma.<\/p>\n<p data-start=\"6332\" data-end=\"6450\">TA <strong data-start=\"6334\" data-end=\"6386\">Lastni\u0161tvo lastnega doma je bli\u017eje, kot si mislite.<\/strong> - in <strong data-start=\"6393\" data-end=\"6407\">Moja hi\u0161a zdaj<\/strong> To bi lahko bila va\u0161a potna karta za te sanje!<\/p>\n<ul data-start=\"6480\" data-end=\"6700\">\n<li data-start=\"6626\" data-end=\"6700\">\n<h2 data-start=\"6457\" data-end=\"6478\">\ud83d\udccc <strong data-start=\"6463\" data-end=\"6478\">Koristne povezave<\/strong><\/h2>\n<ul data-start=\"6480\" data-end=\"6700\">\n<li data-start=\"6480\" data-end=\"6556\">\n<p data-start=\"6482\" data-end=\"6556\"><a class=\"\" href=\"https:\/\/www.minvivienda.gov.co\/\" target=\"_new\" rel=\"noopener\" data-start=\"6482\" data-end=\"6556\">Uradna spletna stran Ministrstva za stanovanjske zadeve.<\/a><\/p>\n<\/li>\n<li data-start=\"6557\" data-end=\"6625\">\n<p data-start=\"6559\" data-end=\"6625\"><a class=\"\" href=\"https:\/\/www.sisben.gov.co\/\" target=\"_new\" rel=\"noopener\" data-start=\"6559\" data-end=\"6625\">Sisb\u00e9n IV \u2013 Posvetovanja in posodobitve<\/a><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Voc\u00ea sonha em conquistar a casa pr\u00f3pria? Ent\u00e3o o Mi Casa Ya pode ser o seu grande aliado! Este programa do governo colombiano j\u00e1 ajudou&#8230;<\/p>","protected":false},"author":1,"featured_media":3008,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[1424,1426,1427,106,1425,1421,1429,1422,1428,1423],"class_list":["post-3003","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-informacoes","tag-casapropria","tag-colombia","tag-comprarcasa","tag-financiamentoimobiliario","tag-habitacaosocial","tag-micasaya","tag-minvivienda","tag-programamicasaya","tag-sisbeniv","tag-subsidiohabitacional"],"_links":{"self":[{"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/posts\/3003","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/comments?post=3003"}],"version-history":[{"count":6,"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/posts\/3003\/revisions"}],"predecessor-version":[{"id":3010,"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/posts\/3003\/revisions\/3010"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/media\/3008"}],"wp:attachment":[{"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/media?parent=3003"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/categories?post=3003"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/tags?post=3003"}],"curies":[{"name":"delovni list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}