Izindawo zokuhlala eziphansi . Izinhlelo ze usizo lwezindlu lukahulumeni faka phakathi faka isicelo sokuhlala amafulethi ahola kancane . Izindlu zomphakathi ezihlinzekwa yizikhungo zikahulumeni noma zikahulumeni, izindlu ezisefulethini elizimele elixhaswe uhulumeni, noma ivawusha yokusiza ukuthola indawo yokuhlala efanelekile ngomninikhaya Isigaba 8 .
Ukufaka isicelo sezinhlelo zezindlu ezixhaswe nguhulumeni kuqala ngedolobha lakho noma esifundeni Isiphathimandla Sezindlu Zomphakathi. Ngenkathi i- ISIGABA Yengamela izidingo zezindlu ezingeni ledolobha nohulumeni, uMnyango wezeZindlu kanye nokuThuthukiswa kweziNdawo zaseMelika yinhlangano eyengamele umbuso.
Izindlu ze-Public Housing Authority
Amafulethi kahulumeni. Iminyango engenisa imali ephansi. Ama-PHA emadolobheni agcina izinhlelo ezisiza abantu nemindeni. Faka isicelo ku-PHA yangakini. Qaphela ukuthi kunikezwa ukukhetha kulabo abasebenza okungenani amatoho, abafunda esikoleni, noma abakhulile abakhubazekile.
Abafakizicelo kumele badlulise isheke sangemuva, bangabi nerekhodi lobugebengu, futhi babe izakhamuzi zomthetho. Abakwazi ukuba nezikweletu zabathengi ezeqa amaphesenti angama-60 emali engenayo yasekhaya.
Inqubo yokufaka isicelo kwi-PHA ifaka phakathi ukuqoqwa kwamagama wawo wonke amalungu omndeni azobe ehlala kulo muzi futhi anikeze nezinsuku zawo zokuzalwa, izinombolo zokuphepha komphakathi, kanye nemilando yakamuva yezindlu nokuqashwa. Amahhovisi amaningi e-PHA anezinhlu zokulinda; Khuluma nomsebenzi wakho wecala mayelana nezinye izinketho.
Lungiselela ngayo yonke imininingwane ukuze uqiniseke ukuthi ufakwe kuhlu ngosuku olufanayo oya ngalo. Uma kufanele ulethe amaphepha afana nezinkokhelo zokukhokha kamuva, kuzobambezela isicelo sakho.
Isigaba 8
isicelo samafulethi ahola kancane.
Uma ungakwazi ukuthola ikhaya ngesakhiwo esixhaswe yi-PHA, cela ivawusha yeSigaba 8 . I-voucher ingemindeni ehola kancane imali yayo engenayo ingeqi emaphesentini angama-50 omholo omaphakathi wendawo. Amavawusha akhokha abanikazi bezindlu ababambe iqhaza ngqo, ngomehluko okhokhelwa umqashi.
Bacele ehhovisi le- I-PHA endaweni yangakini . Kuzoba khona nohlu lokulinda lwamavawusha ka-Section 8. Kukhethwa kuqala imindeni engenamakhaya, labo abakhokha ngaphezu kwamaphesenti ama-50 emali abayitholayo emqashweni, nalabo abashiye amakhaya abo ngokungenhloso.
Izicelo zidinga imininingwane yomfakisicelo, kufaka phakathi inombolo yokuphepha komphakathi, usuku lokuzalwa, nomlando womsebenzi. Ubufakazi bemali engenayo yokuqasha kanye nezindleko kumele kufakwe esimweni esiphakeme kakhulu.
Izindlu zomxhaso ezixhaswe ngumxhaso
Ukuqashwa kwamafulethi abahola kancane . Izindlu zomxhaso ezizimele zifaka phakathi amafulethi agcina inani elithile lezindlu ezixhaswayo. Lesi sakhiwo asiphethwe noma siqhutshwa yi- ISIKHUMBA . Ukuqasha ngokuvamile akuxhaswa ngokugcwele. Lesi sakhiwo sithola isikweletu sentela ngokuba nabaqashi abakulungele ukuthola izindlu noma uxhaso lwe-PHA.
Uma usufake isicelo ehhovisi le-PHA, cela osebenza ecaleni lakho ukuthi akunikeze uhlu lwezinketho zezindlu zomxhaso ezizimele. Kuzofanele uyicele ngqo kusuka enkampanini ukuze bayicabangele. Lokhu kuyindlela enhle emndenini ohlangabezana nobunzima besikhashana, kepha uhlela ukukwazi ukuqasha isakhiwo kamuva ngaphandle koxhaso futhi ngaphandle kokuthi uphinde uphume.
Ungakufanelekela kanjani ukuthola izindlu ezihola kancane
Ungase uzibuze: Ngikufanelekela kanjani ukuthola izindlu ezihola kancane? Ukuze uqalise, uzodinga ukwazi incazelo yesifunda sakho semali ephansi. Isibonelo, umndeni wabantu abane abahlala eSan Francisco ngemali engenayo ehlanganisiwe engu- $ 129,000 noma ngaphansi izokwazi ukuthola izindlu ezihola kancane. ENew York City, lelo nani liyi- $ 85,350. Okwamanje, eChicago, kungama- $ 71,300. Le mikhawulo iyashintsha minyaka yonke, ngakho-ke hlola lokhu Ezezindlu kanye ne-Urban Development (HUD) wokubala ngemikhawulo yemali engenayo esesikhathini sakho.
Indlela engcono yokuthola ukuthi ufanelekile yini ukuthola izindlu ezihola kancane (Izindlu Zomphakathi kanye neSigaba 8) ukuxhumana nabaphathi bezindlu basendaweni yakho. Ukuthola imininingwane yokuxhumana yezikhungo zomphakathi ezisedolobheni lakho, vakashela i- Iwebhusayithi ye-HUD . Iningi leziphathimandla zezindlu nazo zigcina amawebhusayithi wazo, ukuze uthole ulwazi olufanele ngokusesha isiphathimandla sakho sezindlu ku-inthanethi.
Ngemuva kokunquma ukuthi ufanelekile ukuthola izindlu ezihola kancane, kuzodingeka uqinisekise imali oyitholayo nge-HUD. Ukukhombisa ubufakazi bemali engenayo, ungasebenzisa:
- Izinduku zokukhokha zakamuva
- Izikweletu
- Imbuyiselo yentela ye-IRS
Kungadingeka ukuthi unikeze umlando wokuqasha, udlulise isheke sobugebengu, futhi unikeze ubufakazi bokuthi uyisakhamuzi sase-U.S.
Thola umnyango
Lapho usuqinisekisile ukuthi uyakufanelekela ukuthola izindlu ezihola kancane, isinyathelo esilandelayo ukuthola ifulethi.
Ungahlola futhi Sesha izindlu ezingabizi kuwebhusayithi ye-HUD. Insiza enkulu ebanzi ingatholakala kulokhu umhlahlandlela wezindlu ongabizi .
Lapho usuthole izinketho ezingabizi, thola bese uqedela isicelo sokuqasha. Uzofuna ukuthola imininingwane yasekhaya. Kubo bonke abahlali abazohlala egumbini lakho lezindlu, uzodinga:
- Qedela amagama
- Inani lemali engenayo nobufakazi bemali engenayo
- Uhlu lwamafa lomuntu ngamunye
- Izinombolo zokuphepha komphakathi
Imininingwane yokuthi ungasifaka kanjani isicelo ngasinye iyahlukahluka, kepha umphakathi ngamunye ophilayo noma umninindlu uzohlinzeka ngaphambi kokufaka isicelo. Qiniseka ukuthi ulandela imiyalo yomphakathi ngamunye bese uthumela izicelo ngokufanele. Ungafakwa ohlwini lokulinda, futhi uma kunjalo, singaxhumana nawe sibuze ukuthi uyafuna yini ukuhlala ohlwini lokulinda. Phendula ngokushesha ukugwema ukususwa ohlwini.
Kwenzekani uma iholo lami lishintsha?
Kubalulekile ukwethembeka nganoma yiziphi izinguquko emholweni wakho. Uma ubanjwe ufihla imininingwane noma uqamba amanga ngemali oyitholayo, ungaba sengcupheni yokulahlekelwa ukufaneleka ngokuphelele. Uma uthola iholo noma enye enye imali engenayo, bika ngokushesha kwiHhovisi Lakho Lomphakathi noma isisebenzi secala leSigaba 8. Isimo esingenzeka kakhulu ukuthi ngeke kudingeke uthuthe, kodwa kungadingeka ukhokhe enye intela ethe xaxa njalo ngenyanga njalo emva kwalokho. .
Okunye ukucatshangelwa
Ngokuya ngokuthi uhlala kuphi, isikhathi esisithathayo ukuvunyelwa ukuthola izindlu zomphakathi noma iyunithi yeSigaba 8 singaba side. Amadolobha ezweni lonke abhekene nezinhlu ezinkulu zokulinda; amadolobha amaningi aze aphoqeleka ukuba avale uhlu lwawo lokulinda ngaphandle kosuku olubekiwe lokuwavula kabusha. Khuluma ne-HUD yangakini ukuze ubone ukuthi imiphi imikhawulo yezindlu ezinemali ephansi edolobheni lapho ufuna ukuthuthela khona.
Iseluleko
Ukukunikeza umbono wokuthi umi kuphi maqondana nemali ephakathi, imikhawulo yemali engenayo ye-HUD ka-2010 ikhombisa ukuthi amaphesenti angama-80 emali engenayo yomndeni wabantu abane endaweni yedolobha elikhulu laseSan Jose-Sunnyvale-Santa Clara, eCalifornia, iyi- $ 80,700. Amaphesenti angama-50 omphakathi osayizi ofanayo womndeni alingana nama- $ 51,750.
Yize kunamakheshi aphakeme kangako, i-Resident Character Report ye-HUD yembula ukuthi amaphesenti angama-97 ezakhamuzi zomphakathi ezisendaweni yedolobha laseSan José ahola ngaphansi kwamaphesenti angama-30 emali engenayo yendawo, eyi- $ 31,050, kusukela ngo-2010.
Izinkomba
- UMnyango Wezindlu kanye Nokuthuthukiswa Kwezindawo Ezisedolobheni e-US: Ishidi Leqiniso Lamavawusha Okukhethwa Kwezindlu
- Isiphathimandla Sezindlu seDolobha laseLos Angeles: Isicelo Sezindlu Zomphakathi
- UMnyango Wezindlu Nokuthuthukiswa Kwezidolobha e-US: Usizo Lokuqasha
Kusho
Okuqukethwe
- Izindlu ze-Public Housing Authority
- Isigaba 8
- Izindlu zomxhaso ezixhaswe ngumxhaso
- Ungakufanelekela kanjani ukuthola izindlu ezihola kancane
- Thola umnyango
- Kwenzekani uma iholo lami lishintsha?
- Okunye ukucatshangelwa
- Iseluleko
- Izinkomba
- Kusho
- Ungaqasha kanjani indlu ngaphandle kwesikweletu e-USA?
- Ungayithola kanjani ilayisense yokunakekela asebekhulile?
- Ungayihlanza kanjani isiliva futhi uyilondoloze ekungcoleni ...
- Ngazi kanjani ukuthi ngine-oda lokudingiswa?
- Ungayithola kanjani ilayisense yokunakekela asebekhulile? - Konke lapha
- Ungaligcwalisa kanjani i-oda lemali lesiboshwa