Izindlu ezihola kancane . Uma ukukhokha intela yakho inyanga ngayinye kusho ukushaya phansi kwe-akhawunti yakho yokuhlola, awuwedwa. Ngokwe-Centre for Housing Policy, izindleko zezindlu nezokuthutha zikhuphuke ngama-44% kusukela ngonyaka ka-2000, kanti imali engenayo yasekhaya ikhuphuke ngama-25% kuphela .
Namuhla, amakhaya ahola ngokulingene asebenzisa imali engaphezu kwaleyo U-59% wemali oyitholayo ngonyaka ngezindlu nezokuthutha , kunanini ngaphambili. Unalokhu engqondweni, akumangalisi ukuthi, ngokusho kweCentre for Budget and Policy Priorities, imindeni engaphezu kwezigidi ezingama-4.9 zaseMelika ithola uhlobo oluthile insiza yenhlangano .
Yize irenti kahulumeni exhaswayo kungeyona ukuphela kwendlela onayo, ingathembeka kakhulu uma ufanelekile. Ukuthatha izinyathelo zokuqala ukufaka isicelo sosizo lukahulumeni kungabonakala kunzima, kepha ngocwaningo olufanele, kulula kunokuba ungacabanga.
Izinketho zezezindlu ezixhaswe ngemali
Izindlu zomphakathi
Izindlu ezihola kancane . Izindlu zomphakathi ziluhlobo lwempahla yokuqasha exhaswa uhulumeni wesifundazwe. Ngokuya ngokuthi uhlala kuphi, kungaba yindawo yokuhlala, uchungechunge lwezindlu eziyimpinda, noma iqembu lezindlu ezizimele. Endaweni yangakithi, izindlu zomphakathi zivame ukuba nezakhiwo ezinhlanu noma ngaphezulu ezihlanganiswe endaweni, ecishe ilingane nebhulokhi ledolobha. Lezi zindawo zivame ukuvalwa futhi zingaba namapaki amancane, amachibi okubhukuda nezinye izindawo eziluhlaza.
Izakhiwo zalolu hlobo zixhaswe nguMnyango wezeZindlu nokuThuthukiswa kwamaDolobha wase-United States ( ISIKHUMBA ) , kodwa ziphethwe yiziphathimandla zezindlu zendawo. Ukuthuthela ezindlini zomphakathi kufana nokuqasha kumnikazi wendawo yangasese: Kufanele uhlangabezane nezimfuneko zabaphathi bezindlu bese usayina isivumelwano sokuqasha. Kepha ngokungafani nokuqasha kumnikazi wendawo yangasese, isiphathimandla sezindlu sisiza ukunquma ukuthi ukhokhela malini ukuqasha: okungenani u- $ 25 noma okungenani u-30% wemali oyiholayo yenyanga, imihlahlandlela ye-HUD ngayinye .
Ukuze ufaneleke ukuthola izindlu zomphakathi kufanele:
- Hlangana nemikhawulo yemali ephansi esifundazweni sakho
- Yiba yisakhamuzi sase-U.S. Noma ube nesimo esifanele sokufuduka
- Nikeza izinkomba
- Dlulisa isheke sangemuva
- Hlangana nommeli wezezindlu mathupha
Ngokusho koMnyango wezeZindlu nokuThuthukiswa kwamaDolobha, yimizi eyi-1.2 million njengamanje ehlala ezindlini zomphakathi. Izakhiwo zezindlu zomphakathi zinendawo elinganiselwe, futhi ungalinda izinyanga ezimbalwa (noma ngisho neminyaka kwezinye izindawo) ngaphambi kokuthi kuvulwe iyunithi endaweni yakho. Uma kungekho ukuvuleka lapho ufaka isicelo sezindlu, uzofakwa ohlwini lokulinda.
Izindlu zomxhaso ezixhaswe ngumxhaso
Uma ungeke ukwazi ukulinda izindlu ezixhaswe nguhulumeni, ungahamba ngomgwaqo wangasese. Lezi zakhiwo zezindlu zingabanikazi abazimele nezinkampani ezilawula impahla. Ukushintshana ngesikweletu sentela, kudingeka ukuthi banikeze okungenani amanye amafulethi abo ngentengo eyehlisiwe emindenini ehola kancane.
Lezi zakhiwo zibizwa nangokuthi izindlu ezihola ngokuxubekile, ngoba eminye imindeni ikhokha inani elincishisiwe ngenkathi eminye ikhokha intela ephelele yemakethe. Zibukeka njenganoma iyiphi ifulethi elikhulu.
Inani lerenti okufanele ulikhokhe lincike ezicini ezithile. Abanye abaninikhaya banikela ngesilinganiso esincishisiwe sefulethi kunoma ngubani ofanelekayo, kuyilapho abanye abaninikhaya besekela intela yabo emholweni wabo wenyanga. Ngokuvamile, uma uhola kancane ngenyanga, kuzodingeka ukhokhe kancane.
Ukuze ufaneleke ukuthola izindlu ezizimele ezixhaswayo, kufanele:
- Ukuhola ngaphansi komholo ophelele wenyanga (lokhu kuyehluka ngokwakhiwa kwezindlu nombuso)
- Dlulisa isheke sangemuva
- Hlanganyela izidingo zomninikhaya zokuqasha, okungabandakanya ukudlulisa isheke lesikweletu.
- Kuzofanele uyicele ngqo kumnikazi ukuthola isilinganiso esincishisiwe. Noma kunjalo, ungathola izakhiwo ezitholakalayo endaweni yakho usebenzisa umsebenzi we Ukuseshwa Kwendlu Ephansi Ye-HUD .
Usizo lokukhokha ngokuqasha
Izindlu ezihola kancane. Uhlelo Lwevawusha Yezindlu, olwaziwa nangokuthi Isigaba 8 Ihluke kancane kwezindlu zomxhaso. Ngaphansi kwalolu hlelo, uthola ivawusha ongayisebenzisa ukuqashisela abanikazi abazimele nezakhiwo zamafulethi ezinkampani. Lolu hlelo lunikeza inkululeko ethe xaxa yokuthi uhlala kuphi. Kodwa-ke, inkampani yokuphathwa kwempahla kumele ibe sohlwini lwabaninikhaya boHlelo lweVoucher Programme.
NgeSigaba 8 , ukhokha ingxenye yerenti futhi abaphathi bezindlu zomphakathi bendawo bazokhokha okusele. Ngokuvamile, i-PHA isungula inani lamavawusha eliyisisekelo ngokuya ngamanani entengo emakethe yangakini. I-ejenti ibese idonsa u-30% wemali yakho engenayo yenyanga kusuka enanini lesisekelo ukunquma usizo lwakho lwenyanga, ngokusho kwe-HUD. Ungakhetha ukuqasha indawo ebiza leyo mali noma uyiqashe ebiza kakhulu uma ukwazi ukuthenga umehluko.
Ukufanelekela uhlelo lwamavawusha wezezindlu kungaba nzima kakhulu. Ukuze wenze lokhu, udinga:
- Hlangana nezidingo zomholo wakho eziphansi
- Thola Isakhiwo 8 Esivunyelwe
- Dlulisa ingemuva kanye / noma isheke elenziwe ngumnikazi
- Nikeza izinkomba kumnikazi
Njengezindlu zomphakathi, uHlelo lwamavawusha weZindlu lungaba nezikhathi ezinde zokulinda. Ungaba sohlwini lokulinda izinyanga ezimbalwa (noma mhlawumbe ngaphezu konyaka) ngemuva kokufaka isicelo ngaphambi kokuba uqale ukuthola usizo.
Usizo lokuqasha ezindaweni zasemakhaya
Uma uhlala endaweni esemaphandleni, ungahle ufanelekele uhlobo olukhethekile lwezindlu ezizimele ezixhaswayo ezinikezwa nguMnyango Wezolimo wase-United States. Ngaphansi kwalolu hlelo, abaninikhaya bathola izikhuthazi zentela ezikhethekile zokunikela ngamayunithi ngentengo eyehlisiwe emindenini ehola kancane. Ukuze ufaneleke, irenti yakho kufanele yeqe u-30% wemali engenayo eshintshiwe yomndeni wakho (ngemuva kwezaphulelo ezifanele), ngokuya nge USDA . Kufanele futhi uphile noma uzimisele ukuthuthela endaweni yokuqasha evunyelwe.
Ukufaka isicelo sohlelo lweRural Rental Assistance, udinga:
- Ubufakazi bokuthi ileveli yakho engenayo ingaphansi noma ingaphansi komkhawulo wemali engenayo we-USDA
- Ubufakazi bokuthi irenti yakho ingaphezu kwama-30% weholo lakho
- Ukudlulisa izidingo zomnikazi, ezingabandakanya isikweletu kanye / noma isheke langemuva
Ngokungafani nezinye izinketho zezindlu ezihola kancane, uhlelo lweRural Rental Assistance luphethwe yi-USDA. Ukufaka isicelo, xhumana nehhovisi langakini le-USDA Rural Field Development. Sebenzisa i-USDA Service Locator ukuthola imininingwane yokuxhumana.
Ezinye izinketho
Ngaphandle kwezinhlelo zosizo ezilawulwa ngokuhlanganyela, ungahle uthande ukuphenya ngezinhlelo eziqhutshwa nguhulumeni wakho kanye nalezo eziqhutshwa yizinhlangano ezisiza umphakathi. Isibonelo, izinhlelo zombuso zingafaka phakathi izinketho zosizo oluphuthumayo zosizo lokuqasha; Uma uzithola uboshiwe futhi usengozini yokuxoshwa, ungafaneleka ukuthola usizo lwesikhathi esisodwa ukukusiza ukwenze lokho. Noma, uma unenkinga yokwenza imali yakho ihlale, izwe lakho linganikeza ngeseluleko sokuphathwa kwemali samahhala.
Izinsizakalo eziningi zinikela ngosizo lokuqasha kanye. Isibonelo, inhlangano esiza abantulayo ingakusiza ukuthi ukhokhe idiphozi yokuphepha ukuze ungene ekhaya elisha.
Lezi zinhlelo nezidingo zazo zokufaneleka ziyahlukahluka ngendawo. Indlela elula yokuthola ukuthi yini etholakalayo ukuxhumana nehhovisi lendawo yangakini leziphathimandla.
Izinhlelo Zokusizwa Zikahulumeni Indlela Yokufaka Isicelo
Yize izinhlelo eziningi zilawulwa nguhulumeni wesifundazwe, izicelo nokusatshalaliswa kwezimali kuphathwa ezingeni likahulumeni, futhi izinqubo zohlelo lokusebenza zombuso zingahluka kakhulu. Ngenkathi ezinye izifundazwe zikuvumela ukuthi ufake isicelo online, ezinye zidinga ukuthi uthumele izicelo ngeposi, kanti ezinye zikhetha ukuthi uvakashele ihhovisi mathupha.
Ukwenza inqubo ibe lula, qala ngokuthintana neziphathimandla zezindlu zendawo. Umenzeli lapho angakutshela ukuthi ungasifaka kuphi futhi kanjani, nokuthi yiziphi izinhlelo zombuso nezinhlangano ezisiza umphakathi ezitholakalayo. Ungathola ihhovisi endaweni yangakini kuwebhusayithi ye-HUD's Local Rental Information.
Ngaphambi kokufaka isicelo, qiniseka ukuthi ulungile imibhalo elandelayo:
- Ilayisense yakho yokushayela noma i-ID ekhishwe ngumbuso.
- Ikhophi yesivumelwano sakho sokuqasha
- Izinduku zokukhokha zakamuva
- Ikhophi yesitatimende sasebhange sakamuva
- Izinombolo zokuphepha komphakathi zawo wonke amalungu omndeni wakho
Izinsizakusebenza Zezindlu Ezingabizi zamaZifunda
- Inhlangano Kazwelonke Yababolekisi Bezindlu Ababizi (NAAHL) - Inhloso ye-NAAHL ukwandisa amathuba ezomnotho ngokusebenzisa izimali ezizimele ezizimele zezindlu ezingabizi nokuvuselelwa komakhelwane okubandakanya.
- UMnyango wezeZindlu kanye nokuThuthukiswa kwamaDolobha e-U.S. : Izibonelelo Zentuthuko Yomphakathi (i-CDBG), Ukubambisana Kwezotshalomali EKHAYA (IKHAYA), Isikhwama Sokwethemba Izindlu
- UMnyango Wezezimali wase-US - Amakhredithi Wentela Yezindlu Ephansi (i-LIHTC) enza izinkuthazo zemakethe zokutholwa nokuthuthukiswa, ukuvuselelwa kwezindlu eziqashisayo ezingabizi.
- Insizakalo Yezindlu Zasemakhaya eMnyangweni Wezolimo wase-United States (USDA) - Inikeza ngezinhlelo ezahlukahlukene zokwakha noma zokuthuthukisa amakhaya abalulekile nezindawo zomphakathi ezindaweni zasemakhaya. I-USDA inikeza izimalimboleko, izibonelelo, kanye neziqinisekiso zemalimboleko yamakhaya angashadile nawomndeni amaningi, amakhaya asebekhulile, izindlu zabasebenzi basepulazini, nokunye okuningi.
- UMkhandlu Kazwelonke Wezikhungo Zezindlu Zikahulumeni (i-NCSHA) - Inhlangano engenzi nzuzo, engabandlululi edalwe yizikhungo Zezimali Zezindlu zezwe ukuze zixhumanise futhi zisebenzise imizamo yazo yokukhuthaza izindlu ngezindlu ezingabizi.
- Uhlu lwama-ejensi ezezimali ezezindlu, ngumbuso
- Inhlangano Kazwelonke Yezindlu Ezihola Phansi (NLIHC) - I-NLIHC izinikele ngokukhethekile ekufezeni inqubomgomo yomphakathi nje eqinisekisa ukuthi abantu abahola kancane kakhulu e-United States banamakhaya angabizi futhi ahloniphekile.
- Inhlangano Kazwelonke Yezinhlangano Zezimali Zasekhaya (NALHFA) - Inhlangano kaZwelonke yochwepheshe abasebenza ukukhokhela izindlu ezingabizi kumongo obanzi wokuthuthukiswa komphakathi ezingeni lendawo. Ingenzi-nzuzo egxile ekumeleni futhi inikeze ngosizo lobuchwepheshe kuma-ejensi wedolobha nawesifunda, izinhlangano ezingenzi inzuzo, namabhizinisi azimele.
- Inhlangano Kazwelonke Yabakhi Bezindlu (NAHB) - Umfelandawonye wezinhlangano ezingaphezu kuka-700 zombuso nezasekhaya, i-NAHB imele amalungu angaphezu kuka-140,000 futhi iyizwi lomkhakha wezindlu waseMelika. Basebenza ukuqinisekisa ukuthi izindlu yinto ehamba phambili kuzwelonke nokuthi bonke abantu baseMelika bathola izindlu eziphephile, ezisezingeni eliphansi futhi ezingabizi, noma ngabe bakhetha ukuthenga noma ukuqasha.
- UMkhandlu Wokusiza Ngezezindlu (HAC) - Inhlangano engenzi nzuzo kaZwelonke esiza ukwakha amakhaya nemiphakathi emaphandleni aseMelika.
Inothi lokugcina
Ukulwela ukukhokha irenti yakho kungasabisa, kepha usizo luyatholakala. Qala ngokuxhumana nommeli weZindlu, faka isicelo sanoma yiluphi uhlelo olutholayo kuwe, bese uqhubeka nokufuna izinhlelo zosizo ezincane, ezingaziwa kancane okungenzeka ukuthi uziphuthele. Khumbula ukuthi lezi zinto zithatha isikhathi - izinhlelo eziningi zinabafakizicelo abaningi kunemali abanayo, futhi uhlu lokulinda aluvamile.
Ukuzikhulula: Le yindatshana yolwazi.
IRedargentina ayinikezi izeluleko zomthetho noma zomthetho, futhi akuhloselwe ukuthi ithathwe njengeseluleko sezomthetho.
Umbukeli / umsebenzisi waleli khasi lewebhu kufanele asebenzise imininingwane engenhla kuphela njengomhlahlandlela, futhi kufanele ngaso sonke isikhathi axhumane nemithombo engenhla noma abamele uhulumeni abasebenzisayo ukuthola imininingwane esesikhathini ngaleso sikhathi, ngaphambi kokwenza isinqumo.
Okuqukethwe
- Izinketho zezezindlu ezixhaswe ngemali
- Izindlu zomphakathi
- Ukuze ufaneleke ukuthola izindlu zomphakathi kufanele:
- Izindlu zomxhaso ezixhaswe ngumxhaso
- Ukuze ufaneleke ukuthola izindlu ezizimele ezixhaswayo, kufanele:
- Usizo lokukhokha ngokuqasha
- Usizo lokuqasha ezindaweni zasemakhaya
- Ukufaka isicelo sohlelo lweRural Rental Assistance, udinga:
- Ezinye izinketho
- Izinhlelo Zokusizwa Zikahulumeni Indlela Yokufaka Isicelo
- Izinsizakusebenza Zezindlu Ezingabizi zamaZifunda
- Inothi lokugcina