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بهذه الخطوات.. الإيجار التمويلي للعقارات يمكّن من السكن المناسب - إخبارية عرعر

بهذه الخطوات.. الإيجار التمويلي للعقارات يمكّن من السكن المناسب


ينتهي بتملك المسكن بعد تسديد دفعات شهرية لجهة مرخص لها من "النقد"

بهذه الخطوات.. الإيجار التمويلي للعقارات يمكّن من السكن المناسب


إخبارية عرعر - محليات :

يعد الإيجار التمويلي للعقارات أحد منتجات التمويل التي تقوم بمقتضاه جهة التمويل المرخصة من قِبل مؤسسة النقد العربي السعودي بشراءِ العقار الذي يريدهُ العميل، ومن ثم تؤجّره له مقابل دفعات إيجارٍ شهري، وفي نهاية مدة العقد تقومُ الجهة بنقل ملكية العقار للمستأجر بعد سداد جميع دفعات العقد أو سدادها مع مبلغٍ محدد أو بالهبة أو بوعدٍ بالبيع بثمن رمزي، أو بقيمة الأصل وقت إبرامِ عقد البيع، أو غير ذلك بناءً على ما تمّ الاتفاق عليه في العقد دون الإخلال بأحكام تملّك العقارات لغير السعوديين.

من جانبها، وفي هذا الإطار، تقوم مؤسسة النقد العربي السعودي بدراسة منتجات الإيجار التمويلي ومراجعتها والتحقق من مطابقتها للمعايير والإجراءات المتعلقة بالإيجار التمويلي، وبإمكان عملاء شركات الإيجار التمويلي تقديم شكوى عن عدم رضاهم عن الخدمات أو المنتجات المقدمة للجهة الممولة، وإن لم تتم معالجة الشكوى يتم رفعها للمؤسسة عبر بوابة “ساما تهتم”.

ومن مميزات الإيجار التمويلي للعقارات: أنه بمثابة منتج تمويلي لشراء العقارات؛ حيث تنتقل ملكية العقار إلى المستأجر بعد انقضاء مدة العقد ووفقًا لأحكام العقد، كما يتضمن تحمل المؤجر تكاليف الصيانة الأساسية ما لم يتم الاتفاق على غير ذلك، وفي حالة هلاك العقار جزئيّاً، يلتزم المؤجر بإعادة الأصل المؤجر إلى حالته السابقة في وقت التعاقد، أو استبداله بأصل مماثل يقبله المستأجر.

وبحسب هذا النظام، يتمتَّع المستأجر بحرية اختيار العقار وتحديد مميزاته قبل توقيع عقد الإيجار التمويلي، كما يمكنه فسخ العقد أثناء مدة الإجارة برضا الطرفين أو بأحكام العقد أو بالنظام، مع إتاحة خيار امتلاك العقار، أو إعادة العقار للمالك الأصلي عند انتهاء مدة الإيجار.

ووفقاً لنظام الإيجار التمويلي يتمتّع المستأجر بعدة حقوق؛ منها حق الانتفاع؛ حيث يحق للمستأجر اتخاذ الإجراءات اللازمة لحماية العقار المؤجر والانتفاع الكامل به على نفقة المؤجر، إذا لم يقم بإزالة أو إصلاح ما يعيق الانتفاع بالعقار المؤجّر كليّاً أو جزئيّاً أثناء المدة المحدّدة بالعقد، أو وفق ما يحدده النظام. كما أنه وفي حالة هلاك العقار يتحمَّل المستأجر قيمة العقار باستثناء ما يغطيه التأمين، إذا تسبّب في هلاكه. بينما لا يتحمّل تَبعات تعرّض العقار للهلاك في حال تسبب المؤجّر بذلك أو كان ناتجاً عن ظروف خارجة عن إرادة المستأجر، مثل وجود عيوب فنية بالعقار تعيق استخدامه، أو أن حدوث ذلك لم يكن بسبب تقصير منه في حماية العقار كاستعمال العقار في أغراض غير متفق عليها، كما أن نفقات التأمين على العقار تقع على عاتق المؤجر، ولا يحق له الاشتراط على المستأجر تحملها.

ويحق للمستأجر سداد الأقساط المتبقية قبل موعد الاستحقاق المحدد في العقد دون تحمل كلفة الأجل عن الفترة المتبقية من العقد، ولكنه يلتزم بتعويض المؤجر عن كلفة إعادة الاستثمار والنفقات التي يدفعها لطرفٍ ثالث بحسب ما هو متفق عليه بالعقد. كما يحق لجهة التمويل حظر السداد المبكر للسنتين الأوليين من العقد بشرط تضمين ذلك في عقد التمويل.

وحول كيفية انتقال الملكية فإنه يجوزُ انتقال ملكيّة العقار للمستأجر وفقاً لأحكام العقد، إما بشرط سداد كامل الأقساط المنصوص عليها في العقد، أو سداد الأقساط بجانب دفع مبلغ محدّد، أو الوعد بالبيع بثمنٍ رمزي أو بثمن يُتّفق عليه في العقد، أو بقيمة العقار وقت إبرام عقد البيع أو بالهبة.

ويتيح النظام خاصية التنازل من قبل المستأجر؛ إذ يستطيع المستأجر التنازل عن العقد لمستأجر آخر أو رهن العقار لطرف ثالث، وذلك بعد الحصول على موافقةٍ خطيّة من المؤجر، وفي حال فسخ العقد أثناء مدة الإيجار، يحق للمستأجر استرداد قيمة حق التملك (إن وجدت) عن المدة التي دفعها.

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