Ungalucela kanjani uhlelo oluphuthumayo 8?.
Uma unayo ubunzima bokuthola ikhaya ezingabizi futhi ezingakhombisa isidingo esiphuthumayo, ungahle ufanelekele ukuthola isigqebhezana esivela ku- Isigaba 8 eziphuthumayo . Abaphulwe icala kanye namalungu emindeni yabo bangafaka isicelo seSigaba 8, uma behlangabezana nazo zonke izidingo ezidingekayo zohlelo.
Thola ukuthi ngabe ungalulungela yini usizo lwezindlu olusheshayo ngokusebenzisa Uhlu Lokulinda Okubaluleke Kakhulu lweSigaba 8 nokuthi ungaqala kanjani inqubo yokufaka isicelo.
Uyacelwa ukuthi wazi ukuthi isinqumo sokugcina secala lakho sincike kwi ISIGABA yendawo. Kusazothatha okungenani amasonto ambalwa ukuthi babuyekeze udaba lwakho bese benza isinqumo.
Yini iSection 8 Emergency Housing Bond?
Eyaziwa nangokuthi Uhlu Lokulinda Olubaluleke Kakhulu , Isigaba Esiphuthumayo 8 inqubo yokufaka isicelo esheshayo evumela abantu abathile nemindeni ukuthi bathole ivawusha yabo Yokukhetha Izindlu ngokushesha okukhulu kunangesikhathi esijwayelekile.
Emadolobheni amaningi, isidingo sezindlu zomphakathi siphezulu kakhulu kunalokho ohulumeni bamazwe nabasekhaya abangakunikeza futhi babe nezimali ngakho. Lokhu kusho ukuthi kungathatha iminyaka emi-2 ukuthi isicelo esejwayelekile sicutshungulwe futhi samukelwe yi-PHA yangakini.
Amadolobha amakhulu ngokuvamile anezinhlu ezinde zokulinda zeSigaba 8, kuyilapho amadolobha amancane enezikhathi ezisheshayo zokulinda zabafakizicelo.
Kodwa-ke, ezimweni ezithile, i-PHA inganquma ukuthi isicelo kufanele sibekwe ohlwini lokulinda, futhi ungathola isigqebhezana sakho ngesonto noma izinyanga esikhundleni seminyaka.
Noma kunjalo, kubalulekile ukuqaphela lokho ISIKHUMBA Akuhlinzeki ngezindlu eziphuthumayo ngasese, futhi izicelo zeSigaba 8 ziyasheshiswa ezimweni ezingavamile futhi ikakhulukazi.
Ngubani ofanelekela uhlu lokulinda olubekwe phambili?
Lezi yimikhombandlela ejwayelekile yenhlangano lapho abantu bangathathwa njengabakufanelekele ukubekwa eqhulwini ohlwini lokulinda lweSigaba 8. Isinqumo sokugcina senziwa yi-PHA yendawo kanye neminye imigomo yokufaneleka engasebenza.
Ubani onikwa kuqala?
- abesifazane noma abesilisa abahlukumezekile abaleka emakhaya abo futhi bezama ukugwema ukuqhubeka nokuhlukunyezwa (ngokocansi, ngokomzimba)
- abazali abangabodwa abanezingane ezincane abakhokha ngaphezu kuka-50% wemali yokuqasha
- Abantu abakhubazekile (kokubili impilo yengqondo nokukhubazeka ngokomzimba)
- abantu abadala
- omakadebona
- noma ngubani oqhamuka kula maqembu angenhla njengamanje ongenakhaya noma osengozini yokungabi namakhaya
- abantu abalahlekelwe amakhaya abo ngenxa yomlilo noma inhlekelele yemvelo (isiphepho, izikhukhula, njll.)
- abantu ababhekene nokukhishwa ezindlini zomphakathi ezikhona njengamanje
Ukuzimisela kuncike esikalini samaphoyinti. Lapho amaphuzu athola uhlelo lwakho lokusebenza ethola amaphuzu aphezulu, isikhundla sakho sizoba sohlwini olubaluleke kakhulu futhi uzosheshe uthole isigqebhezana sakho.
I-HUD ngokuvamile ithanda ukubeka phambili abantu abadala abahola kancane kakhulu nabantu abakhubazekile.
Kubalulekile ukwazi ukuthi emiphakathini eminingi kunabantu nemindeni ehlushwa ukungabi namakhaya, kepha nokho abalutholi usizo lwezindlu zomphakathi. Lokhu kuya kakhulu ngokuthi uhlala kuphi nezimali ezitholakalayo.
Usizo oluphuthumayo lwabantu abakhubazekile.
Uma wena noma ilunga lomndeni wakho lingagugile futhi ninokukhubazeka ngokomzimba noma ngokwengqondo, ningalungela ukuthola usizo olukhethekile lwezindlu. I-HUD inikeza a Uhlelo kwehlukaniswe izaphulelo zabakhubazekile azikho ezindala (NED), engeyona ingxenye yeSigaba 8.
Lolu hlelo lwenzelwe abantu abakhubazekile abanentshisekelo yokuthuthela entuthukweni ekhethekile, okuyizindlu ezivunyelwe ngqo lolu hlelo. Abantu abakhubazekile okwamanje abahlala esikhungweni sokunakekelwa kwezempilo noma kumaphrojekthi wezindlu zomphakathi futhi abafisa ukudlulela ezindlini ezizimele nabo bayakufanelekela ukuthola lawa mavawusha.
Ukufaka isicelo, awudingi ukuba ngumqashi wamanje weSigaba 8, noma ubhalwe ohlwini lwevawusha yokhetho Yesigaba 8.
Ngabe umuntu owonile angayithola yini indawo yesigaba 8 yezindlu eziphuthumayo?
Uma wena noma othile wasendlini yakho enecala elibi, usengathola izindlu eziphuthumayo zeSigaba 8. Thola imininingwane eminingi kumhlahlandlela wethu ophelele wokuthi Izelelesi Zingazithola Kanjani Izindlu Zesigaba 8 .
Inqobo nje uma uhlangabezana nenqubo ejwayelekile yokufaneleka kwezindlu zomphakathi futhi unezimo ezikhethekile, ungabekwa ohlwini olubalulekile.
Abantu abanecala elineminyaka engaphezu kwengu-5 ubudala ngeke bamukelwe ama-PHA amaningi. Ngokwengeziwe, labo abanecala lobudlova / lezocansi kanye namacala okuthengisa izidakamizwa nabo bazonqatshelwa ukufaneleka.
Ngaphezu kweSigaba 8, kukhona nezinye izinketho zezindlu zezigebengu .
Indlela yokufaka isicelo
Ukuze ubhekelwe ivawusha yezindlu eziphuthumayo, kusamele uqhubeke nenqubo ejwayelekile yokufaka isicelo. Qala uhlelo lwakho lokusebenza kusuka kusigaba 8 ngifuna i-Local Housing Authority . Lapho usuthole i-ejensi endaweni yakho, ungaya lapho bese uqedela isicelo.
Okokuqala, kufanele uhlangabezane nayo yonke imibandela yokufaneleka ejwayelekile bese uphasa isheke lobugebengu .
Indlela eyisisekelo yokuthola isigaba 8 ifaka:
- ube nemali engenayo ephansi (ngaphansi kwama-50% emihlahlandlela yemali engenayo yombuso)
- usayizi womndeni
- khombisa ubufakazi bemali engenayo
- ube nomazisi ofanele
- ubufakazi bokuba yisakhamuzi / isimo somthetho
- akukho ukukhishwa ngaphambili kwezidakamizwa / imisebenzi ehlobene nobugebengu.
Ekufakeni isicelo, uzocelwa ukuthi ubonise izimo zakho ezikhethekile, ezinjengalezi: ezingenamakhaya, ukukhubazeka, iminyaka, njll. I-PHA izobuyekeza uhlelo lwakho lokusebenza bese inquma ukuthi ufanelekile yini ukukhuphukela ohlwini oluza kuqala.
Kungumqondo omuhle futhi ukukhuluma nomuntu ovela ku-PHA yakho ngqo uma usuthumele isicelo sakho nayo yonke imibhalo esekelayo. Qiniseka ukuthi ubashayela ucingo kanye ngesonto ukubakhumbuza ngecala lakho. Ungabi namahloni okubabiza futhi ubakhathaze.
Abantu abakhuluma ngezidingo zabo maningi amathuba okuthi bazwakale. Labo abalinda ngokuthula ngokuvamile bahlala kulayini ojwayelekile.
Uma unemibuzo, zizwe ukhululekile ukushayela inombolo yamahhala ye-HUD: (800) 955-2232.
Uhlelo lokusebenza olunama-PHA amaningi
Kwamanye amadolobha, ama-PHA agcwele kangangokuba uhlu lwawo olulindile lude kakhulu, futhi kungathatha iminyaka engaphezu kwengu-3 ukuthola isigqebhezana sakho. Amanye ama-PHA nawo akhetha ukuvala uhlu lwawo isikhathi esithile, ngoba nje awakwazi ukuhambisana nesidingo. Kulokhu, i-PHA yangakini izokwazisa ukuthi uhlu lokulinda luzovulwa nini futhi kufanele uqiniseke ukuthi ufake isicelo ngaleso sikhathi. Kungathatha izinyanga ezimbalwa kuya onyakeni ukuthi ukubhaliswa kuvulwe kabusha.
Uma uhlangabezana nalesi simo, kungcono ukufaka isicelo seSigaba 8 ngokusebenzisa ama-PHA amaningi wendawo. Lokhu kusemthethweni ngokuphelele, kepha abantu abaningi abazi ngale nketho. Ukufaka isicelo kwiziphathimandla eziningi zezindlu kunganciphisa isikhathi sakho sokulinda futhi kwandise amathuba akho okuthola usizo lwezindlu ngokushesha okukhulu.
Uyacelwa ukuthi wazi ukuthi kuvunyelwe umthetho ukufaka isicelo ku-PHA efanayo, uma usuthumele isicelo sakho. Uhlala uyilungu elisebenzayo lohlu lokulinda ngaphandle kokuthi ukhiphe imibhalo yakho bese uqedela isicelo sakho.
Ngabe ngizosithola isaphulelo serenti uma ngifanele ukuthola usizo oluphuthumayo lwezindlu?
Cha. Noma ungathola iKhuphoni Yesigaba 8 Ngokushesha ngenxa yezimo ezikhethekile, ngeke unikezwe isaphulelo kuzinkokhelo zakho zanyanga zonke zokuqasha.
Kusazodingeka ukhokhe irenti ngokuya ngeholo lakho. Imvamisa, okungenani ama-30% futhi angabi ngaphezu kwama-40% wemali yakho engenayo elungisiwe ezoya ekukhokheleni irenti nezinsiza. Imali oyikhokhayo nyangazonke ayikwazi ukuba ngaphansi kuka- $ 50. Enye imali izokhokhwa ngqo kumninindlu ngomxhaso kahulumeni.
Ngingahlala kuphi uma sengithole isigqebhezana sami seSigaba 8?
Abantu abaningi ngephutha bacabanga ukuthi ukuthola iSigaba 8 kusho ukuthi kufanele uhlale ezindabeni zokwakhiwa kwezindlu zomphakathi noma amaphrojekthi. Kodwa-ke, akukho okungaba kude neqiniso.
Kunamaphrojekthi wokuthuthukisa izindlu amukela abaqashi ngesigqebhezana sesigaba 8. Kepha, lesi sigqebhezana futhi sikuvumela ukuthi ufune ikhaya lakho langasese. Kungaba yindawo yokuhlala noma ikhaya lomndeni elilodwa kunoma iyiphi indawo yangakini.
Okudingekayo kuphela ukuthi leli fulethi noma le ndlu kufanele ihlangabezane nenqubo yokufaneleka yesigaba 8. Ngamanye amazwi, umninindlu wamukela abaqashi abanoSigaba 8 futhi lokhu kuqashwa kudlulile ukuhlolwa.
Ukuthola usizo kusonhlalonhle
Ungakwazi ukuhamba ngokushesha ohlwini lokulinda bese ubheka kabusha icala lakho ngokucela usizo kusonhlalonhle. Le yisevisi yamahhala enikezwa yizinhlobo eziningi zama-ejensi.
Kodwa-ke, iningi labantu alicabangi ngale nketho nokuthi lingasiza kanjani ekusizeni ukuthi ushintshe isimo sakho.
Nazi ezinye izindawo lapho ungathola khona usonhlalakahle ozophatha udaba lwakho:
- udokotela wakho angakudlulisela kusonhlalonhle
- ezinye izinhlelo zosizo lwezomthetho zinikeza usizo kubasebenzi bezenhlalakahle
- uhlelo olumangalisayo lwe-SOAR lunabasebenzi bezenhlalakahle abaqeqeshelwe ukusiza abantu abakhubazeke ngengqondo
- ama-ejensi endawo ngokuguga anabasebenzi abasiza asebekhulile ngezidingo zezindlu
- Izikhungo zokuhlala ezizimele eziphethwe ngabantu abakhubazekile ngokuvamile zinabasebenzi bezenhlalakahle
; ama-ejensi omphakathi amaningi anabasebenzi bezenhlalakahle abasebenza ngezikhathi ezithile
Isigaba 8 Uhlu Lokulinda Izindlu Eziphuthumayo
Bangu izindlela ezimbalwa ezahlukahlukene zokubeka phambili ama-voucher okukhetha izindlu ngokushesha eduze kwakho. Qaphela ukuthi umfakisicelo kusamele ahlangabezane nayo yonke eminye imigomo yohlelo, njengokuthola imali ephansi, ukuba nempahla elinganiselwe, ukuba nokuhlala ngaphakathi kwegunya, nezinye izindlela.
Noma iliphi ikhaya noma ifulethi elihlinzekiwe nalo lizoba yimali engenayo, umqashi akhokhe u-30% wemali yonke engenayo yomndeni ngokuqasha indawo yesigaba 8. Umnikazi wendawo naye kudingeka abambe iqhaza kulolu hlelo. Lezo zimo zohlelo lwe-AVC aziguquki.
Isigaba esiphuthumayo sesi-8 sibizwa nangokuthi uhlu olubekwa phambili. Ukuzimisela kuncike esikalini samaphoyinti, ngamamaki aphezulu, okusho ukuthi umfakisicelo angabekwa phezulu ohlwini lokulinda. Umuntu ofuna ivawusha yokuqasha kufanele futhi abe nekhaya elihlangabezana nezintandokazi zabo.
Onke amaqembu abantu alandelayo angeqa uhlu lokulinda lwesigaba 8 ukuze athole ivawusha yezimo eziphuthumayo khona manjalo. Noma zingabekwa phezulu ohlwini lokulinda lapho isigqebhezana noma ifulethi elilandelayo litholakala emphakathini wakho.
- Izakhamizi nabantu asebekhulile, futhi kungahle kube nezindlu ezisekelwayo ezinganikezwa bona futhi zinikeze usizo lwezempilo khona lapho.
- Kukhutshaziwe, kungaba ngokwengqondo noma ngokomzimba.
- Omakadebona kanye namalungu ezinsizakalo nabo bangaqa uhlu lokulinda ukuze bathole ivawusha yezimo eziphuthumayo yesigaba 8 se-HUD.
- Noma ngubani osuswe kwenye indawo yezindlu zomphakathi.
- Abesifazane (noma abesilisa), kanye nezingane ezibalekela udlame lwasekhaya noma ukuhlukunyezwa, bangafakwa endaweni yokukhosela bese isimo esiphuthumayo sidluliselwa ohlelweni lweSigaba 8 seZindlu Zokukhetha iVoucher.
- Uma othile ecekele phansi indlu ngomlilo, ifulethi noma inhlekelele yemvelo, nabo bangabekwa phambili. Kepha kungenzeka kusetshenziselwe izindlu ze-FEMA.
Zonke lezo zimo zingasebenza. Isiphathimandla sezindlu zomphakathi esilinganiswe nge-HUD singanikeza imininingwane eminingi ngemigomo nemibandela, nokuthi ungasifaka kanjani isicelo. Kodwa-ke, isimo esingenzeka kakhulu lapho kunikezwa khona ibhondi yokukhetha izindlu eziphuthumayo kuzoba uma umfakisicelo kungumuntu ohola kakhulu noma okhubazekile.
UMnyango wezeZindlu nowokuThuthukiswa kwamaDolobha wenza imizamo eminingi yokuletha phezulu ohlwini lwabalindayo, uma ukhetho lwezindlu zabo lutholakala.
Ukucela ivawusha yezimo eziphuthumayo engxenyeni 8, nokuzama ukwenza okusemqoka ukweqa uhlu olulindile, masishane ushayele isiphathimandla sendawo yokuhlala yomphakathi edolobheni lakho noma esifundeni esiseduze nawe. Ibha yokusesha engenhla ingasetshenziselwa ukuyithola, noma i-HUD inenombolo yesevisi yamakhasimende ku- (800) 955-2232.
Izinketho ezingeziwe zezindlu eziphuthumayo
Sicela wazi ukuthi izinhlelo zezaphulelo zokukhetha izindlu eziphuthumayo zisathatha isikhathi ukucutshungulwa. Azikho iziqinisekiso ezivela kunoma iyiphi i-PHA yokuthi umuntu uzonikezwa kuqala, kungakhathalekile imvelaphi noma isimo sakhe. Ngakho-ke, umfakisicelo kungenzeka angabi nokubekwa eqhulwini nhlobo. Ngakho-ke, kuzothatha isikhashana ukuthola usizo lokuqasha ohlelweni lweSigaba 8.
Uma umqashi enenkinga ezayo, njengokuxoshwa noma isaziso sokukhokha noma sokushiya umsebenzi kumninindlu, kukhona nezinye izinsiza ezikhona. Iningi laleli fomu losizo lwezezimali linikezwa izinhlangano ezisiza umphakathi, ezingenzi-nzuzo, noma izinhlelo zokuvikela abangenamakhaya.
Okuqukethwe
- Yini iSection 8 Emergency Housing Bond?
- Ngubani ofanelekela uhlu lokulinda olubekwe phambili?
- Usizo oluphuthumayo lwabantu abakhubazekile.
- Ngabe umuntu owonile angayithola yini indawo yesigaba 8 yezindlu eziphuthumayo?
- Indlela yokufaka isicelo
- Uhlelo lokusebenza olunama-PHA amaningi
- Ngabe ngizosithola isaphulelo serenti uma ngifanele ukuthola usizo oluphuthumayo lwezindlu?
- Ngingahlala kuphi uma sengithole isigqebhezana sami seSigaba 8?
- Ukuthola usizo kusonhlalonhle
- Isigaba 8 Uhlu Lokulinda Izindlu Eziphuthumayo
- Izinketho ezingeziwe zezindlu eziphuthumayo
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