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Jesienna ofensywa rządowa przyniosła nam między innymi informacje na temat nowego programu dopłat do kredytów o nazwie „Mieszkanie dla Młodych”.
Jakie są jego założenia,
plusy i minusy? Postanowiliśmy to sprawdzić.
Program „Mieszkanie dla Młodych” ma być zastępstwem kończącej się właśnie „Rodziny na Swoim”. Według ustawodawcy przewidziano dopłatę w wysokości 10 proc. wartości kredytu w przypadku singla oraz 15 proc. w przypadku rodzin. Co więcej, w przypadku, gdy w rodzinie pojawi się trzecie lub kolejne dziecko w okresie 5 lat od zakupu nieruchomości, możemy liczyć na kolejne 5% proc.bonifikaty. Dopłata jest jednorazowa i obowiązuje tylko osoby lub członków rodzin, którzy
nie ukończyli 35 roku życia. Aby jednak skorzystać z tej ulgi poza kryterium wieku musimy spełnić jeszcze dodatkowe warunki.
Przede wszystkim kredyt może być przeznaczony jedynie na zakup mieszkania o powierzchni nieprzekraczającej 75mkw. Inaczej niż w przypadku „Rodziny na Swoim” program nie obejmuje budowy i zakupu domów. Kolejnym utrudnieniem jest fakt, iż dopłata obejmuje jedynie mieszkania z rynku pierwotnego co oznacza, że w grę wchodzą jedynie transakcje z developerem. Warto także nadmienić, że podobnie jak w „RnS” pojawią się limity cenowe za metr kwadratowy mieszkania.
Porównując ogólne założenia obu projektów warto podkreślić fakt, iż dopłata spowoduje, że kredytobiorcy korzystający z programu „Mieszkanie dla Młodych” spłacą mniej odsetek. Całkowite oszczędności czerpane z kończącego się programu „Rodziny na Swoim” są niestety większe.
Pozostaje mieć nadzieję, że nowy program, który jest aktualnie w fazie koncepcyjnej, zostanie jeszcze dopracowany, Planowane uruchomienie „MdM” datuje się na połowę 2013r. Ustawodawcy szacują, że rocznie skorzysta z niego 36 tys. rodzin.
Więcej informacji na temat świadomego zaciągania zobowiązań finansowych można uzyskać podczas bezpłatnych szkoleń organizowanych przez Najda Consulting i Hossa Finance w ramach akcji Nie Łykaj Jak Pelikan. Dwudniowe szkolenia z zakresu zarządzania projektami w firmie organizowane są w czterogwiazdkowym Hotelu Aurora w Międzyzdrojach. Najbliższe szkolenia odbędą się w dniach: 8-9 listopada i 22-23 listopada.
Informacje i zapisy: www.nielykajjakpelikan.pl/alfabet-pelikana .

Michał Hamera
Organizator akcji społecznej „Nie łykaj jak Pelikan”
Kom. 501 034 600

Mieszkanie dla Młodych, czyli co?

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Autor:

Współzałożyciel Hossa Finance specjalizujący się w doradztwie finansowym. Zajmuje się rozwojem oferty Hossa Finance oraz nadzoruje pracę doradców finansowych. Odpowiada również za rozmowy z kluczowymi klientami firmy. Michał jest absolwentem Akademii Rolniczej na kierunku Ekonomia. Ukończył także Podyplomowe Studium w zakresie Ubezpieczeń i Rynków Kapitałowych na Uniwersytecie Szczecińskim oraz Nauczycielskie Kolegium Języków Obcych. Obecnie w trakcie studiów doktoranckich na Uniwersytecie Szczecińskim – Wydział Nauk Ekonomicznych i Zarządzania.

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