IiNdawo ezingenaNgeniso ephantsi . Iinkqubo ze uncedo lwezindlu zikarhulumente zibandakanya faka isicelo sokufumana izindlu ezinomvuzo ophantsi . Indlu yoluntu enikezelwa ngurhulumente okanye iarhente yomanyano, izindlu kwizindlu zabucala ezixhaswa ngurhulumente, okanye ivawutsha yokunceda ukufumana indawo efanelekileyo yokuhlala ngomnini-mhlaba. Icandelo 8 .
Ukufaka isicelo senkqubo yezindlu exhaswa ngurhulumente kuqala ngedolophu yakho okanye kwiGunya loLuntu lweZindlu. Ngelixa iifayile ze ISIGABA Ukongamela iimfuno zezindlu kwisixeko nakwinqanaba likarhulumente, iSebe lezeZindlu laseMelika kunye noPhuhliso lweeDolophu liarhente yokongamela.
Igunya leZindlu zikaRhulumente
Amagumbi aseburhulumenteni. Amasebe anengeniso ephantsi. Ii-PHAs ezixekweni zigcina iinkqubo ezinceda abantu kunye neentsapho. Faka isicelo kwi-PHA yakho yendawo. Qaphela ukuba ukhetho lunikwa abo basebenza ubuncinci bexeshana, abahamba isikolo, okanye abakhubazekileyo abadala.
Abafakizicelo kufuneka bapase ukujonga imvelaphi, bangabinayo irekhodi lolwaphulo-mthetho, kwaye babe ngabemi bezomthetho. Abakwazi ukuba namatyala abathengi angaphezu kweepesenti ezingama-60 zengeniso yekhaya.
Inkqubo yokwenza isicelo kwi-PHA ibandakanya ukuqokelela amagama awo onke amalungu osapho aza kuhlala kweli khaya kunye nokubonelela ngemihla yabo yokuzalwa, iinombolo zokhuseleko lwentlalo, kunye nembali yezindlu kunye nengqesho yakutshanje. Uninzi lweeofisi ze-PHA zinezintlu zokulinda; Thetha nomsebenzi wakho wecala malunga nezinye iindlela onokukhetha kuzo.
Lungiselela lonke ulwazi ukuze uqiniseke ukuba udwelisiwe kwangolo suku uya ngalo. Ukuba kuya kufuneka uze namaphepha afana nezitepi zokuhlawula kamva, iyakulibazisa isicelo sakho.
Icandelo 8
Isicelo sokufumana izindlu ezinomvuzo ophantsi.
Ukuba awukwazi ukufumana ikhaya ngenkqubo exhaswa ngemali yi-PHA, cela ivawutsha yeCandelo 8 . Ivawutsha yeentsapho ezinengeniso ephantsi umvuzo wayo awudluli kwiipesenti ezingama-50 zengeniso yendawo ephakathi. Iivawutsha zihlawula abanini-mhlaba abathatha inxaxheba ngokuthe ngqo, ngomahluko ohlawulwe ngumqeshi.
Bacele kwiofisi ye PHA kwindawo yakho . Kuyakubakho noluhlu lokulinda lweevawutsha zeCandelo 8. Kukhethwa kuqala kwiintsapho ezingenamakhaya, abo bahlawula ngaphezulu kweepesenti ezingama-50 zengeniso yabo kwirente, kunye nabo bafuduswe bengenzi ngabom.
Izicelo zifuna ulwazi lomenzi-sicelo, kubandakanya inombolo yokhuseleko lwentlalo, umhla wokuzalwa, kunye nembali yomsebenzi. Ubungqina bengeniso yerente yangoku kunye neendleko kufuneka zibandakanywe kwinqanaba eliphezulu.
Inkxaso yezindlu zabanini babucala
Ukuqeshisa kwezindlu ezinomvuzo ophantsi . Izindlu zenkxaso yabanini zibandakanya izindlu ezigcina inani elithile lezindlu ezifumana inkxaso-mali. Esi sakhiwo asinabanini okanye asiqhutywa yi ULusu . Irhafu ayihlali ixhaswa ngokupheleleyo. Ubunzima bufumana ikhredithi yerhafu yokuba nabaqeshi abakulungeleyo ukufumana izindlu okanye inkxaso-mali yePHA.
Nje ukuba ufake isicelo kwi-ofisi ye-PHA, cela umntu osebenza kwimeko yakho ukuba akunike uluhlu lwezindlu ezinenkxaso yabucala. Kuya kufuneka uyicele ngqo kwisakhiwo ukuze bayithathele ingqalelo. Olu lukhetho olulungileyo kusapho oluhlangabezana nobunzima bethutyana, kodwa liceba ukukwazi ukurenta indawo kamva ngaphandle kwenkxaso kwaye ngaphandle kokuphinda uphume.
Ungakufanelekela njani ukufumana izindlu ezinengeniso ephantsi
Usenokuzibuza: Ndikulungela njani ukufumana izindlu ezinengeniso ephantsi? Ukuze uqalise, uzakufuna ukwazi inkcazo yengingqi yakho yengeniso ephantsi. Umzekelo, usapho lwabane oluhlala eSan Francisco kunye nengeniso edibeneyo yonyaka yeedola ezili-129,000 okanye ngaphantsi iya kulungela izindlu ezinomvuzo ophantsi. KwisiXeko saseNew York, elo nani liyi- $ 85,350. Okwangoku, eChicago, yi- $ 71,300. Le mida itshintsha minyaka le, ke jonga oku Ezezindlu noPhuhliso lweeDolophu (HUD) kwimida yengeniso ehlaziyiweyo yommandla wakho.
Eyona ndlela yokufumanisa ukuba uyakufanelekela na ukufumana izindlu ezinemivuzo ephantsi (iZindlu zikaRhulumente kunye neCandelo 8) kukunxibelelana negunya lendlu yakho. Ukufumana ulwazi lokunxibelelana neearhente zezindlu zoluntu kwisixeko sakho, ndwendwela Indawo ye-HUD . Uninzi lwabasemagunyeni bezezindlu bakwazigcina iiwebhusayithi zabo, ukuze ufumane ulwazi olufanelekileyo ngokukhangela kwi-Intanethi igunya lendlu.
Emva kokumisela ukuba ufanelekile kwizindlu ezinengeniso ephantsi, kuya kufuneka uqinisekise umvuzo wakho nge-HUD. Ukubonisa ubungqina bengeniso, ungasebenzisa:
- Izitena zokuhlawula zamva nje
- Amatyala
- Imbuyekezo yerhafu ye-IRS
Kuya kufuneka ukuba ubonelele ngembali yokurenta, udlulise itshekhi yolwaphulo-mthetho, kwaye unike ubungqina bokuba ungummi wase-US okanye umhlali ngokwasemthethweni.
Fumana isebe
Nje ukuba uqinisekise ukuba ukulungele ukufumana izindlu ezinengeniso ephantsi, inyathelo elilandelayo kukufumana indawo yokuhlala.
Ungajonga kwakhona Khangela izindlu ezifikelelekayo Kwiwebhusayithi ye-HUD. Isibonelelo esibanzi kakhulu sinokufumaneka koku Isikhokelo sezindlu ezifikelelekayo .
Nje ukuba ufumane ezinye iindlela ezinokufikeleleka, fumana kwaye ugcwalise isicelo sokurenta. Uya kufuna ukufumana ulwazi lwasekhaya. Kubo bonke abahlali abaya kuhlala kwiyunithi yakho yezindlu, uyakufuna oku kulandelayo:
- Gqibezela amagama
- Inani lomvuzo kunye nobungqina bengeniso
- Uluhlu lweeasethi lomntu ngamnye
- Iinombolo zokhuseleko loluntu
Ulwazi malunga nokufaka isicelo ngasinye luyahluka, kodwa indawo yokuhlala nganye okanye umnini-mhlaba uya kuyinika ngaphambi kokufaka isicelo. Qiniseka ukuba ulandela imiyalelo kuluntu ngalunye kwaye ungenise izicelo ngokufanelekileyo. Unokufakwa kuluhlu lokulinda, kwaye ukuba kunjalo, sinokuqhagamshelana nawe sibuze ukuba uyafuna ukuhlala kuluhlu lokulinda. Phendula kwangoko ukunqanda ukususwa kuluhlu.
Kwenzeka ntoni xa umvuzo wam utshintsha?
Kubalulekile ukunyaniseka ngalo naluphi na utshintsho kumvuzo wakho. Ukuba ubanjwe ufihle ulwazi okanye uxoke malunga nomvuzo wakho, unokubeka emngciphekweni wokuphulukana nokufaneleka ngokupheleleyo. Ukuba ufumana umvuzo okanye nayiphi na enye ingeniso eyongezelelweyo, yixele ngoko nangoko kwiZindlu zikaRhulumente okanye umntu osebenza kwimeko yeCandelo 8. Eyona meko inokwenzeka kukuba akuyi kunyanzeleka ukuba uhambe, kodwa kungafuneka uhlawule irhafu encinci ngaphezulu ngenyanga nganye emva koko. .
Ezinye izinto eziqwalaselwayo
Kuxhomekeka kwindawo ohlala kuyo, ixesha elithathwayo lokuvunywa kulwakhiwo loluntu okanye icandelo leCandelo 8 linokuba lide. Izixeko kwilizwe liphela zithwaxwa luluhlu olukhulu lokulinda; kwizixeko ezininzi kuye kwanyanzeleka ukuba zivale uluhlu lwazo lokulinda ngaphandle komhla obekiweyo wokuzivula kwakhona. Thetha ne-HUD yakho yendawo ukuze ubone ukuba zeziphi izithintelo zezindlu ezinengeniso ephantsi kwesi sixeko apho ufuna ukuya khona.
Ingcebiso
Ukukunika umbono wokuba umi phi xa kuthelekiswa nengeniso ye-median, imida yengeniso ye-HUD ka-2010 ibonisa ukuba iipesenti ezingama-80 zengeniso yamakhaya abantu abane kumzi weSixeko saseSan Jose-Sunnyvale-Santa Clara, eCalifornia, iyi- $ 80,700. Iipesenti ezingama-50 zemiyinge kubukhulu bentsapho obulingana nama- $ 51,750.
Ngaphandle kwezi kepusi ziphakamileyo, Ingxelo yabahlali ye-HUD iveza ukuba iipesenti ezingama-97 zabahlali bezindlu zikawonke-wonke kwisixeko saseSan José bafumana ngaphantsi kweepesenti ezingama-30 zerhafu yengeniso yendawo, eyi- $ 31,050, ngo-2010.
Izalathiso
- ISebe lezeZindlu noPhuhliso lweeDolophu e-US: Iphepha leNyaniso yeVawutsha yokukhetha izindlu
- Isixeko seLos Angeles Authority Authority: Isicelo seZindlu zikaRhulumente
- ISebe lezeZindlu noPhuhliso lweeDolophu e-US: Uncedo lokuQesha
Kuthethwa
Iziqulatho
- Igunya leZindlu zikaRhulumente
- Icandelo 8
- Inkxaso yezindlu zabanini babucala
- Ungakufanelekela njani ukufumana izindlu ezinengeniso ephantsi
- Fumana isebe
- Kwenzeka ntoni xa umvuzo wam utshintsha?
- Ezinye izinto eziqwalaselwayo
- Ingcebiso
- Izalathiso
- Kuthethwa
- Urenta njani indlu ngaphandle kwetyala eMelika?
- Uyifumana njani ilayisensi yokunyamekela abantu abadala?
- Ungayicoca njani isilivere kwaye uyigcine kungcoliswa ...
- Ndazi njani ukuba ndinomyalelo wokugxothwa?
- Uyifumana njani ilayisensi yokunyamekela abantu abadala? - Konke apha
- Ugcwalisa njani iodolo yemali yebanjwa