Uncedo lwezindlu koomama abangenamaqabane. Xa kukho umvuzo omnye kuphela oza kungena ekhayeni, kunokuba nzima ukuhlawulela indawo yokuhlala ekhuselekileyo wena nabantwana bakho. Kuyinyani ukuba uninzi lwezindlu ezinamaxabiso aphantsi zikwindawo ezinolwaphulo-mthetho oluphezulu, kodwa kukho ithemba ngendawo ekhuselekileyo yokuhlala.
Uncedo ngezindlu kurhulumente nakwimibutho kwilizwe liphela luyafumaneka ukukunceda ngendleko. Konke okufuneka ukwenze kukufumanisa ukuba ungasifaka phi isicelo.
Iindidi zoncedo lwezindlu
Izindlu ezingxamisekileyo
Inkqubo ye- izindlu zongxamiseko banceda abantu abangenamakhaya ngaphezulu kweentloko zabo ixesha elincinci. Oku kunokubangelwa yimeko yobundlobongela basekhaya okanye umlilo otshabalalisiweyo apho babehlala khona ngaphambili.
Izinketho zezindlu ezingxamisekileyo zibandakanya indawo yokuhlala, izindlu zokubhoda, amakhaya amaqela, kunye namagumbi ehotele ahlawulwe ziinkonzo zentlalo kunye neminye imibutho.
Izindlu ezifikelelekayo
Izindlu ezifikelelekayo zinexabiso eliphantsi lokurenta okanye, kwezinye iimeko, ukuhlawulwa kwemali mboleko ephantsi yenyanga. Izindlu ezifikelelekayo zinokunikezelwa ngeevawutsha ezivela kwi- Icandelo 8 okanye inokuba yinxalenye yendawo yokuhlala apho izindlu zokuhlala kunye nezindlu zinikezelwa ngexabiso elincitshisiweyo.
Izindlu ezinengeniso ephantsi
Eli khaya lelabantu abanemivuzo ephantsi kuphela. Ngokubanzi, kukho isixa esikhulu semali umntu anokufumana ngaphambi kokuba ahlale kwindlu, endlwini okanye endlwini.
Uncedo lokuqasha
Inkqubo ye- Uncedo lokurenta ncedisa abantu ngerente. Urhulumente okanye umbutho uza kunika abantu imali yokusebenzisa irente, okanye baya kusebenza nomnini-mhlaba ukunciphisa irente yabahlali.
Izindlu ezingxamisekileyo zoomama abangenamaqabane
INkqubo yeZibonelelo eziNgxamisekileyo (ISG)
Inkqubo yeZibonelelo eziNgxamisekileyo yeZibonelelo (i-ESG) yenzelwe imibutho engenzi nzuzo kunye neearhente zikarhulumente nezasekhaya ukuxhasa ngezimali izindlu ezinengeniso ephantsi. Imali iqhuba iinkqubo zokunceda abantu abangenamakhaya kuluntu lonke ukunceda abantu kunye neentsapho ezidinga uzinzo kwezindlu emva kokungabi namakhaya.
Iimfuno zokufaneleka
Le nkqubo yesibonelelo ibonelela ngenkxaso mali kwiiarhente ezibonelela ngendawo zokufihla kunye neenkqubo ezinje ngemisebenzi yokufikelela esitratweni, ukuthintela ukungabi namakhaya, kunye nokuqokelelwa kwedatha.
Indawo yeWebhusayithi:
UCasa Camillus
ICasa Camillus isetyenziselwa ukubonelela ngeembacu zaseCuba. Ngoku, ibonelela ngendlu kunye neenkonzo kubantu abahluphekileyo okanye abangenamakhaya. Uninzi lwabantu abasebenzisa iinkonzo ezinikezelwa yiCamillus House alukho olunye uncedo olufumanekayo. Abanamali, izindlu okanye usapho lokubanceda. UCasa Camillus uzabalazela ukuba lusapho lwakho.
Iimfuno zokufaneleka
Ukufaneleka ukufaneleka kuxhomekeke kubukho kunye neemfuno. Abantu abahlupheka kwezona meko zinzima baphela befumana olona ncedo. Ukufumanisa ukuba ungalufumana uncedo, kufuneka ufake isicelo.
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Inkqubo yoKhuseleko oluNgxamisekileyo
Inkqubo yeNgxowa-mali ye-United Way kunye neNkqubo yokuHlala ngeNgxakeko ibonelela ngenkxaso mali kwiiarhente zenkonzo yoluntu ukunceda uluntu ukwakha, ukwakha ngokutsha, kunye nokuthenga izindlu ezinengeniso ephantsi. Le nkqubo yenzelwe kuphela iiarhente zabucala nezikarhulumente.
Iimfuno zokufaneleka
Ungenzi-nzuzo, urhulumente kunye ne-arhente karhulumente banelungelo lokufumana le nkxaso-mali. Imali efunyanwa ziiarhente ixhomekeke kwisidingo sezindlu ezifikelelekayo kumalungu oluntu asebenzela iiarhente.
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Izindlu ezifikelelekayo zoomama abangenamaqabane
IiNkqubo zeZindlu zoLuntu kunye neZibonelelo (HCFP)
Ezi nkqubo zinceda izindlu ezinemivuzo ephantsi kwiindawo ezisemaphandleni. Ngenxa yokuhluthwa kwezoqoqosho kwimimandla yasemaphandleni, uninzi alunakho ukhetho olwaneleyo kubantu abangenakho ukuhlawula iindleko zokuphila. Ukuxhaswa ngemali kwezi nkqubo kuxhasa ngemali amakhaya osapho olunye, iiflethi, amakhaya abantu abalupheleyo kunye nezinye iindlela ezininzi zokuhlala.
Iimfuno zokufaneleka
Ezi nkqubo zenzelwe kuphela imibutho engenzi nzuzo, izizwe zaseIndiya, kunye neearhente eziphantsi korhulumente nakurhulumente. Naliphi na iarhente enomdla wokuxhasa ngemali izindlu ezifikelelekayo kwiindawo ezisemaphandleni kufuneka ifake isicelo kwi-USDA.
Indawo yeWebhusayithi:
Inkqubo yokuDityaniswa koSapho
INkqubo yokuDityaniswa koSapho ibonelela ngeeVawutsha zokukhetha iZindlu kwiiArhente zeZindlu zikaRhulumente (ii-PHAs). Ezi ivawutsha zezindlu zenza ukuba abantu abanemivuzo ephantsi bafumane indawo yokuhlala okanye indlu yokuhlala kwindawo ekhuselekileyo. Uninzi lwabantu akufuneki lubhatalele izindlu, ngelixa abanye kufuneka bahlawule imali encinci. Imali ehlawulwa yivawutsha ixhomekeke kwimfuno yemali yomntu oyifumanayo.
Iimfuno zokufaneleka
Iintsapho ezingenamakhaya zezona ziphambili. Ulutsha kufuneka lube phantsi kwe-21 kodwa ngaphezulu kwe-18. I-PHA nganye inemida yayo yokufumana ubungqina bezindlu, jonga ke iPHA yakho.
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CoAbode Ukwabelana ngeNdlu eMadhers eNye
Le yinkqubo enceda oomama abangatshatanga ukuba bafumane izindlu ezizinzileyo, bafumane uncedo lokukhathalela abantwana babo, kwaye bafumane inkxaso yeemvakalelo abayifunayo. Umama ngamnye kufuneka afumane omnye umama oza kuhlala naye aze ahlule irente. Yonke imisebenzi yasekhaya kwabelwana ngayo, enokuba sisiqabu esikhulu kwabanye oomama abangenamaqabane. Le nkqubo inceda oomama abangatshatanga ukuba bafumane abanye oomama abasebenzela le nkqubo.
Iimfuno zokufaneleka
Oomama abangatshatanga abasokolayo kukhetho lwezindlu olufikelelekayo nolunokuhlala nomnye umntu banokusebenzisa iinkonzo ezibonelelwa yile nkqubo.
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Inkonzo yentlalontle
Lo mbutho ngumbutho ongajonganga nzuzo ongu-501 (c) (3) onceda abantu ukuba bafumane izindlu ezifikelelekayo. Sebenzisa iwebhusayithi ethi socialserve.com ukudwelisa amathuba ezindlu kwilizwe ngalinye. Ihlaziywa rhoqo kwaye abasebenzi benkxaso bayafumaneka usuku ngalunye lweveki ukuphendula imibuzo.
Iimfuno zokufaneleka
Akukho mfuneko yokufaneleka. Zonke iinketho zezindlu zezabantu abafuna ubomi obufikelelekayo.
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Indawo yokuhlala yoluntu
Indawo yokuhlala yabantu ifuna ukunceda abantu ngokubonelela ngendawo ekhuselekileyo nefikelelekayo yokuhlala. Umbutho wakha kwaye ulungisa izindlu zabantu abasweleyo kwihlabathi liphela. Ngamanye amaxesha imibutho ifumana izindlu zokuyilungisa njengeminikelo.
Iimfuno zokufaneleka
Iintsapho ezifuna ikhaya lokuhlala zinokufanelekela indawo yokuhlala yeenkonzo zoLuntu. Ezinye zezindlu ezakhiweyo okanye ezakhiweyo ngokutsha zinokubanjiswa ngempahla, ngenxa yoko ukukwazi kweentsapho ukuhlawula loo mboleko kuthathelwa ingqalelo. Iimeko zibalulekile, yiyo loo nto bonke abantu abanomdla kufuneka bafake izicelo.
Indawo yeWebhusayithi:
Izindlu ezinengeniso ephantsi koomama abangatshatanga
Inkqubo yeHUD yoLuntu
Urhulumente ngamnye une-Arhente yeZindlu zikaRhulumente (PHA), ebonelela ngendlu efikelelekayo kwiintsapho ezinengeniso ephantsi, abantu abadala kunye nabantu abakhubazekileyo. Izinketho zendawo yokuhlala ziyafumaneka ngobukhulu obahlukeneyo kunye neendawo.
Iimfuno zokufaneleka
Abantu abanemivuzo ephantsi banelungelo lokufumana uncedo kwi-PHA. Ingeniso ephantsi ichongwa ngokujonga umvuzo opheleleyo wonyaka. Inobuncinci i-80% yengeniso yedolophu. Abo banama-50% emali engenayo bayathathelwa ingqalelo. Ubungakanani bentsapho buqwalaselwa kwakhona. Bonke abantu kufuneka babe ngabemi baseMelika kwaye babe nezalathiso zokubonisa ukuba bangabahlali abalungileyo.
Indawo yeWebhusayithi:
INkqubo yeVawutsha yokukhetha ezeZindlu (Icandelo 8)
INkqubo yeVawutsha yoKhetho lweZindlu, eyaziwa njengeCandelo 8, ibonelela abantu abanemivuzo ephantsi ngendlela yokuhlawulela izindlu ezikhuselekileyo, ezifanelekileyo, nezococeko. Apho umntu afuna ukusebenzisa ikhuphoni kufuneka abe yinxalenye yenkqubo, kwaye kuhlala kukho uluhlu lwezindlu onokukhetha kuzo.
Iimfuno zokufaneleka
Itotali yengeniso yonyaka iyonke kunye nobungakanani bosapho ziyaqwalaselwa xa kugqitywa ukuba ngubani omele ukufumana ikhuphoni. Amashumi asixhenxe anesihlanu eepesenti amakhuphoni kufuneka anikwe abantu abanomvuzo ongekho ngaphezulu kweepesenti ezingama-30 zengeniso yomphakathi yoluntu. Kuba utshintsho lwengeniso unyaka nonyaka, umvuzo ophakathi osetyenziselwa ukuqaphela wahlukile unyaka nonyaka.
Indawo yeWebhusayithi:
Indlu yombono
Lo ngumbutho ongenzi nzuzo wama-501 (c) (3) obonelela ngendlu yotshintsho koomama abangatshatanga kunye nabantwana babo abangenamakhaya. Banikezela ngendlu eyahlukileyo yamadoda angatshatanga aphulukana neziyobisi notywala.
Iimfuno zokufaneleka
INdlu yeMbono ifuna ukuba umvuzo wabantu ube ngama-30% ngaphantsi komvuzo wendawo. Bamele ukuba abanamakhaya nabo. Elona xesha liphezulu lexesha umntu anokuhlala kulo kwizindlu zotshintsho yiminyaka emibini. Ukuba abantu bathatha isigqibo sokulandela isidanga seminyaka emine, banokuhlala ixesha elide.
Indawo yeWebhusayithi:
Inethiwekhi yokuzalela
Inethiwekhi yokuKhulisa inceda abasetyhini abajamelana nokukhulelwa okungacwangciswanga. Banikela ngenkxaso ngexesha lokukhulelwa nasemva kokuba umntwana ezelwe. Iinkonzo zibandakanya amakhaya, iinkonzo zonyango, uncedo lwezomthetho, iingcebiso kunye noncedo lokufumana umsebenzi. Esi sisibonelelo sokunceda esingenzi nzuzo esingu-501 (c) 3 esisebenza kwiminikelo abayifumana kwizibonelelo, kubaxhasi nakwiziseko.
Iimfuno zokufaneleka
Umfazi kufuneka akhulelwe kwaye ufuna iinkonzo ezibonelelwa yiNethiwekhi yokuKhulisa. Abasetyhini kufuneka bakulungele ukuzikhathalela kunye nosana lwabo.
Indawo yeWebhusayithi:
UManyano lweZindlu lweNgeniso ePhakamileyo (i-NLIHC)
Umanyano lweZindlu oluNgeniso oluphantsi kuZwelonke ngumbutho ofuna ukuphucula ukubakho kwezindlu ezinengeniso ephantsi kulo lonke elaseMelika. Umdibaniso ufundisa kwaye uxhase ukunceda iiarhente zoluntu ukuba ziqonde isidingo esifunekayo sezindlu ezikhuselekileyo, ezinesidima kwaye ezifikelelekayo. Bafuna ukugcina uncedo lwezindlu zomdibaniso kwaye bandise olo ncedo kangangoko kunokwenzeka.
Iimfuno zokufaneleka
Kuba lo ngumbutho ofuna ukuba lilizwi labantu kuyo yonke indawo abangenako ukuhlawula ikhaya, akukho mfuneko yokufaneleka.
Indawo yeWebhusayithi:
IiRhafu zeRhafu yeZindlu eziNcinci (LIHTC)
Inkqubo yeRhafu yeNgeniso yeZindlu ePhantsi inceda ukwandisa inani lezindlu ezinokufikeleleka kwiindawo zokuhlala. Ngokunikezela kubanini bezindlu ngetyala ngetyala ukuba banikezela ngezindlu ezifikelelekayo, banabantu abaninzi abafuna ukubonelela ngendawo yokuhlala, izindlu zedolophu, kunye nezindlu zerhafu esezantsi. Ngetyala, umnini wepropathi unciphisa uxanduva lakhe lerhafu.
Iimfuno zokufaneleka
Ukuze bakwazi ukufumana iikhredithi zerhafu, abantu kufuneka babe nepropathi yokuhlala. Kuya kufuneka bazibophelele kwiimfuno zomvuzo ophantsi, kwaye banciphise iindleko zokurenta kunye nokusetyenziswa kwepropathi yabo.
Indawo yeWebhusayithi:
Inceba yeZindlu
UMercy Housing ngumbutho ongajonganga kwenza nzuzo osebenza eMelika. Izama ukunceda abantu abasweleyo ukuba bafumane izindlu ezisemgangathweni ngexabiso eliphantsi. Bakholelwa ukuba izindlu ezifikelelekayo zivuselela ubumelwane ngokunceda abantu abaninzi ukuba bafudukele kwindawo abanokusebenzisa imali yabo ukunceda uluntu lukhule.
Iimfuno zokufaneleka
Uluntu lwaseMercy Housing lilinganiselwe. Uluntu ngalunye lunezidingo zalo zokufaneleka kwiindawo zokuhlala ezikhoyo xa abantu bezifuna. Tsalela elona nani likhulu leZindlu zeMercy ukufumanisa ukuba ngaba zikhona na izindlu ezikhoyo kufutshane nawe.
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IZiko leZindlu eliNgeniso eliphantsi (LIHC)
IZiko leZindlu eliNgeniso eliphantsi linabantu abahlala kwimivuzo ephantsi efumanekayo kwilizwe laseWashington. Iyaphuhlisa, yeyakho kwaye iyasebenza. Eli ziko lineenkonzo zokunceda abantu ukuba bakwazi ukuzimela, njengokuqeqeshwa kwemisebenzi, ukuphathwa kwemali kunye nokunye.
Iimfuno zokufaneleka
Ukuze uthathe ithuba lokufumana izindlu ezinemivuzo ephantsi, ingeniso yabantu iphantsi kakhulu komvuzo ophakathi wendawo. Abo basandula ukukhutshwa kwezinye iipropathi abanakulunga. Iirekhodi zolwaphulo-mthetho ziya kuqwalaselwa, kodwa abophuli-mthetho ngokwesondo kunye nabo banerekhodi yomlilo abayi kuyenza. Izicelo aziyi kwamkelwa ukuba bekukho isigwebo esixhonyiweyo kwisithuba seminyaka emihlanu.
Indawo yeWebhusayithi:
Ibhulorho yethemba
I-Bridge of Hope izama kungekuphela ukukhusela ukungabi namakhaya kwabasetyhini nasebantwaneni, kodwa ukuyiphelisa. Lo mbutho usebenzisa iicawa ukubanceda. Basebenza ukukhusela izindlu zabasetyhini kunye nabantwana babo, babancede bafumane umsebenzi, kwaye bandise ukuzithemba kwabo ngobuhlobo.
Iimfuno zokufaneleka
Lo ngumbutho osekwe ngamaKristu. Bafikelela ezicaweni ukuze bafumane abantu abakulungeleyo ukunceda abafazi nabantwana abangenakhaya. IBhulorho yeThemba ibonelela ngamathuba kwabo bafuna ukunceda nokuncedwa. Abasetyhini abafuna uncedo kufuneka babe ngabemi base-US kwaye mabangabi namakhaya.
Indawo yeWebhusayithi:
Uncedo lokuqesha oomama abangenamaqabane
Umkhosi wosindiso
UMkhosi woSindiso unceda uluntu ngeendlela ezininzi. Banikezela ngokutya, ukunceda kwintlekele, ukubuyisela kwimeko yesiqhelo kunye noncedo lwezezimali ngezindlu. Basebenzisa iminikelo, imirhumo yamaqumrhu, kunye neentengiso abazenzayo kwiivenkile zabo zoSindiso loMkhosi.
Iimfuno zokufaneleka
Iintsapho ezifuna uncedo lokuhlawulela izindlu, ukutya, okanye izixhobo zinokuzuza kwi-Salvation Army. Iinkonzo ezikhoyo nokufaneleka kwezi nkonzo zixhomekeke kwiimfuno zoluntu. Uzakufuna ukunxibelelana noMkhosi woSindiso wakho ukuze ufumane ezinye iinkcukacha.
Indawo yeWebhusayithi:
Uncedo lwamaKatolika
Uncedo lwamaKatolika lubonelela ngeenkonzo ezininzi kubantu abanemivuzo ephantsi. Uninzi lweenkonzo zinikezelwa kwisikali sokuhambisa. Iinkqubo zayo zibandakanya inkxaso ekufumaneni izindlu ezifikelelekayo, ukubonelela ngolwazi ngoncedo lokutya kunye neengcebiso ukuxhobisa abantu ukuba bafumane ingqesho ebhatala ngcono.
Iimfuno zokufaneleka
Abantu akufuneki babe ngamaKatolika ukuze baxhamle kwiinkonzo ezibonelelwa ngamaKatolika. Nabani na onomvuzo ophantsi unokufuna uncedo olunikezwe ngulo mbutho.
Indawo yeWebhusayithi:
YWCA
I-YWCA ikhuthaza abasetyhini. Benza into ekufuneka bayenzile ukuqinisekisa ukuba abasetyhini kunye namantombazana bafumana oko bakufunayo ukuze bazive bexabisekile kwaye befanelekile kwizibonelelo ezifanayo ezifunyanwa nangubani na. Bakhuthaza uxolo, ubulungisa, inkululeko kunye nesidima.
Ezinye zeenkqubo ezibonelelwa yiYWCA zezi:
- • Udlama lasekhaya
- • Ubundlobongela obenziwa kwabasetyhini
- • Iinkqubo zempilo yabasetyhini.
- • Ubulungisa ngokobuhlanga
- • Uqeqesho lomsebenzi nokuxhotyiswa
- • Iinkqubo Zononophelo Lwabantwana Kwasekuqaleni
- • Iinkqubo zokufundisa ngezemali
- • Iinkqubo Zomkhosi Namagqala
- • Iinkqubo zeYWCA STEM / TechGYRLS
- • Yong yokufunda kwabafazi
Iimfuno zokufaneleka
Ukulungela ukuthatha inxaxheba kwezi nkqubo kuxhomekeke kwiimfuno zakho kunye nokufumaneka kweenkonzo ezinikezelwa kwezi nkqubo.
Indawo yeWebhusayithi:
Iziqulatho
- Iindidi zoncedo lwezindlu
- Izindlu ezingxamisekileyo
- Izindlu ezifikelelekayo
- Izindlu ezinengeniso ephantsi
- Uncedo lokuqasha
- Izindlu ezingxamisekileyo zoomama abangenamaqabane
- INkqubo yeZibonelelo eziNgxamisekileyo (ISG)
- UCasa Camillus
- Inkqubo yoKhuseleko oluNgxamisekileyo
- Izindlu ezifikelelekayo zoomama abangenamaqabane
- IiNkqubo zeZindlu zoLuntu kunye neZibonelelo (HCFP)
- Inkqubo yokuDityaniswa koSapho
- CoAbode Ukwabelana ngeNdlu eMadhers eNye
- Inkonzo yentlalontle
- Indawo yokuhlala yoluntu
- Izindlu ezinengeniso ephantsi koomama abangatshatanga
- Inkqubo yeHUD yoLuntu
- INkqubo yeVawutsha yokukhetha ezeZindlu (Icandelo 8)
- Indlu yombono
- Inethiwekhi yokuzalela
- UManyano lweZindlu lweNgeniso ePhakamileyo (i-NLIHC)
- IiRhafu zeRhafu yeZindlu eziNcinci (LIHTC)
- Inceba yeZindlu
- IZiko leZindlu eliNgeniso eliphantsi (LIHC)
- Ibhulorho yethemba
- Uncedo lokuqesha oomama abangenamaqabane
- Umkhosi wosindiso
- Uncedo lwamaKatolika
- YWCA
- Yimalini ekufuneka ndiyifumene ukuthenga indlu eMelika?
- Uncedo lukaRhulumente ukuthenga ikhaya okokuqala ngqa
- Uyifumana njani ilayisensi yokunyamekela abantu abadala? - Konke apha
- I-ESPAVEN Enzymatic -Yenzelwe ntoni? Idosi, Ukusetyenziswa kunye ...
- Iiklinikhi zabangakhuselwanga
- Uncedo lwaBathengi beKhaya lokuQala eFlorida