Tabbas ba za ku rasa jin labarin aikin rukunin gidaje da gwamnatin tarayya ta ƙaddamar ba, wanda ta yi wa laƙabi da Renewed Hope Estates and Cities. Sai dai ba lallai ne kun san kuɗinsu ba ko kuma yadda za a yi a mallaka.
A bayyane take cewa ginawa ko sayen gida kusan a kowace ƙasa ta duniyar nan ba abu ne mai sauƙi ba, amma lamarin yana da wuyar gaske a biranen Najeriya.
Tsawon shekaru, gwamnatocin jiha da na tarayya sun sha yin alƙawarin gina gidaje masu sauƙin kuɗi musamman ga ma'aikata, amma kaɗan ne ke cika rabin alƙawarin da suka ɗauka.
A wannan karon, gwamnatin Shugaba Bola Tinubu ta jam'iyyar APC ta ɗauko aikin gina gidaje da birane har 100,000 a faɗin Najeriya tare da taimakon 'yankasuwa.
A karon farko na shirin, ma'aikatar gidaje ta zaɓi jihohi 12 domin gina birane 12. Sai dai kuma babu na ƙasa da naira miliyan takwas a dukkan nau'ukan gidajen a duka jihohin.
Sai dai abin tambayar a nan shi ne: wanne daga ciki talaka zai iya saya? Na san akasarin 'yan Najeriya za su ce a'a, to amma dai ba a cire rai daga fatan haɗuwa da alheri.
Nawa ne farashin gidajen?
Yayin wata hira da BBC a makon da ya gabata, Ministan Gidaje Ahmed Musa Dangiwa ya ce sun duba jihohin da aka fi buƙatar gidajen ne kafin su zaɓi waɗanda za a fara shirin da su.
Ya ce za a gina birane wato cities a jihohi bakwai - jiha ɗaya daga kowace shiyyar siyasa shida da kuma Abuja - sai kuma Abuja birnin tarayya.
Jihohin da aka zaɓa su ne:
Kano - arewa maso yamma
Borno - arewa maso gabas
Nasarawa - arewa ta tsakiya
Ribas - kudu maso kudu
Legas - kudu maso yamma
Enugu - kudu maso gabas
Abuja
"Dalili shi ne akwai cunkoso da kuma buƙatar sayen gidajen, sanann kuma suna da kuɗin da za su saya ko sun yi tsada," in ji ministan.
"Sauran jihohi 30 kuma za mu gina gidaje ne kawai 500 a kowace jiha masu sauƙi, waɗanda har talakawa ma za su iya saya. In aka tara 500 sau 30 15,000 kenan."
Game da kuɗaɗen rukunin farkon da aka fara ginawa kuwa, gwamnati ta yi musu kuɗi a wani keɓantaccen shafin intanet. Farashinsu yakan bambanta tsakanin jihohin.
Abuja: Mafi tsada miliyan ₦65,500,000 mafi sauƙi miliyan ₦22,500,000
Kano: Mafi tsada ₦12,686,082, mafi sauƙi ₦9,063,699
Katsina: Mafi tsada ₦12,686,082, mafi sauƙi ₦9,063,699
Nasarawa: Mafi tsada ₦12,686,082, mafi sauƙi ₦9,063,699
Sokoto: Mafi tsada ₦12,686,082, mafi sauƙi ₦9,063,699
Gombe: Mafi tsada ₦12,686,082, mafi sauƙi ₦9,063,699
Yobe: Mafi tsada ₦12,686,082, mafi sauƙi ₦9,063,699
Osun: Mafi tsada ₦12,243,680, mafi sauƙi ₦8,883,020
Binuwai: Mafi tsada ₦12,686,082, mafi sauƙi ₦9,063,699
Oyo: Mafi tsada ₦12,761,980, mafi sauƙi ₦8,883,020
Abiya: Mafi tsada ₦12,761,980, mafi sauƙi ₦8,883,020
Ebonyi: Mafi tsada ₦12,761,980, mafi sauƙi ₦8,883,020
Delta: Mafi tsada ₦12,761,980, mafi sauƙi ₦8,883,020
Akwa Ibom: Mafi tsada ₦12,761,980, mafi sauƙi ₦8,883,020
Ta yaya talaka zai iya mallaka?
Ganin yawan kuɗin mallakar gida ya sa gwamnati ta kafa bankin bayar da bashi ga 'yan ƙasar ta hanyar asusun samar da gidaje (National Housing Fund - NHF), wanda ma'aikata da 'yankasuwa duka za su iya amfana.
Akwai tsari biyu da mutum zai iya zaɓa domin cin gajiyar wannan shiri na karɓar bashi, amma duka sai wanda yake da rajista NHF.
Na farko, mutum zai iya neman bashi daga asusun ba da bashin sayen gida na Federal Mortgage Bank (FMB) ta yadda za a dinga zamewa daga albashinsa har ya gama biyan kuɗin.
Na biyu, mutum zai iya biyan wani kaso ƙalilan na kuɗin gidan kuma a bashi mukulli ya shiga, sai kuma ya cigaba da biyan kuɗin a matsayin haya har zuwa lokacin da zai kammala biya.
Sai dai waɗannan hanyoyi biyu na da sharuɗɗa da za a iya karantawa a shafin intanet na sayar da gidajen na Renewed Hope.
Da yake kalmar talaka na da ɗan faɗi, bari mu kalli abin ta fuskar albashi da kuma samu na ƙaramin ɗankasuwa.
Idan ma'aikaci yana samun albashin N100,000 duk wata, sai ya tara na wata 18 da ɗoriya ba tare da ya ci ko kwabo daga ciki ba kafin ya iya tara kuɗin gidan mafi sauƙi - mai ɗaki ɗaya, rumfa ɗaya, banɗaki ɗaya, da ɗakin girki.
Haka lissafin yake ga ƙaramin ɗankasuwar da samunsa bai wuce N3,400 ba a kullum.
