Izindlu ezinengeniso ephantsi . Ukuba ukuhlawula irente inyanga nenyanga kuthetha ukubetha ezantsi kwiakhawunti yakho yokujonga, awuwedwa. NgokweZiko loMgaqo-nkqubo weZindlu, Iindleko zezindlu kunye nezothutho zinyukile nge-44% ukusukela ngo-2000, ngelixa ingeniso yekhaya inyuke ngama-25% .
Namhlanje, amakhaya afumana imodareyitha achitha ngaphezulu kune I-59% yengeniso yakho yonyaka kwizindlu kunye nezothutho , kunanini na ngaphambili. Ngale nto engqondweni, ayimangalisi into yokuba, ngokweZiko loHlahlo-lwabiwo mali kunye noMgaqo-nkqubo oPhambili, ngaphezulu kwe-4.9 yezigidi zamakhaya aseMelika afumana uhlobo oluthile Uncedo lukaRhulumente .
Nangona irente exhaswa ngurhulumente ingeyiyo kuphela onokukhetha kuyo, inokuba yeyona inokuthenjwa ukuba uyafaneleka. Ukuthatha amanyathelo okuqala okufaka isicelo soncedo oluhlangeneyo kunokubonakala kunzima, kodwa ngophando olufanelekileyo, kulula kunokuba ucinga.
Izinketho zezindlu ezixhaswa ngemali
Indlu yoluntu
Izindlu ezinengeniso ephantsi . Indawo yokuhlala yoluntu luhlobo lwepropathi yokurenta exhaswa ngurhulumente womanyano. Kuxhomekeka kwindawo ohlala kuyo, inokuba yindawo yokuhlala, uthotho lwezindlu eziphindwe kabini, okanye iqela lezindlu zabucala. Ebumelwaneni bam, izindlu zezindlu zikawonke-wonke zihlala zintlanu okanye nangaphezulu izindlu ezihlanganisiweyo kwindawo, ubukhulu becala ubukhulu bebhloko lesixeko. Ezi ndawo zihlala zivaliwe kwaye zinokuba neepaki ezincinci, iiphuli zokudada kunye nezinye iindawo eziluhlaza.
Izakhiwo zolu hlobo zixhaswa ngemali liSebe lezeZindlu laseMelika kunye noPhuhliso lweeDolophu ( ULusu ) , kodwa zilawulwa ngabaphathi bezindlu bendawo. Ukuhlala kwindlu yoluntu kuyafana nokurenta kumnini-ndlu wabucala: Kuya kufuneka uhlangabezane neemfuno zegunya lezindlu kwaye usayine isivumelwano soqeshiso. Kodwa ngokungafaniyo nokurenta kumnini-ndlu wabucala, ugunyaziwe wezindlu unceda ekuboneni ukuba uhlawula malini kwirenti: ubuncinci i-25 yeedola okanye ubuninzi be-30% yengeniso yakho yenyanga, ngesikhokelo se-HUD .
Ukuze ufaneleke ukufumana izindlu zoluntu kufuneka:
- Dibana nemida yengeniso ephantsi kwilizwe lakho
- Yiba ngummi wase-US okanye ubenendawo yokungena kwilizwe elifanelekileyo
- Nika izingqinisiso
- Dlula ukujonga okungasemva
- Dibana nomntu onearhente yezindlu
NgokweSebe lezeZindlu noPhuhliso lweeDolophu, ngamakhaya ayi-1.2 yezigidi ngoku ahlala kwizindlu zoluntu. Indawo yokuhlala yoluntu inendawo encinci, kwaye unokulinda iinyanga ezininzi (okanye iminyaka kwezinye iindawo) ngaphambi kokuba iyunithi ivule kwindawo yakho. Ukuba akukho kuvuleka xa ufaka isicelo sendlu, uya kubekwa kuluhlu lokulinda.
Inkxaso yezindlu zabanini babucala
Ukuba awukwazi ukulinda indlu exhaswa ngurhulumente, ungahamba ngendlela yabucala. Ezi zindlu zezabanini babucala kunye neenkampani zolawulo lwepropathi. Ukutshintsha ikhredithi yerhafu, bayacelwa ukuba banikeze ubuncinci kwezinye zeeflethi zabo ngexabiso elincitshisiweyo kwiintsapho ezinengeniso ephantsi.
Ezi zakhiwo zikwabizwa ngokuba zizindlu ezinengeniso exubeneyo, kuba ezinye iintsapho zihlawula amaxabiso ancitshisiweyo ngelixa ezinye zihlawula irente epheleleyo yentengiso. Zijongeka njengayo nayiphi na indawo yokuhlala enkulu.
Inani lerente ekufuneka uyihlawule lixhomekeke kwizinto ezininzi. Abanye abanini-mhlaba banikezela ngesilinganiselo esincitshisiweyo kuye nabani na ofanelekileyo, ngelixa abanye abaninimzi bebeka irente kumvuzo wabo wenyanga. Ngokubanzi, xa ufumana umvuzo omncinci kwinyanga nganye, kuya kufuneka uhlawule irente encinci.
Ukulungela ukufumana izindlu zabucala ezifumana inkxaso-mali, kufuneka:
- Ukufumana ngaphantsi komvuzo ophezulu wenyanga (oku kuyahluka ngokwakhiwa kwezindlu nakurhulumente)
- Dlula ukujonga okungasemva
- Dibana neemfuno zomninimzi zokurenta, ezinokubandakanya ukugqithisa itshekhi.
- Kuya kufuneka uyicele ngqo kumnini ukuze ufumane isantya esincitshisiweyo. Nangona kunjalo, unokufumana izakhiwo ezikhoyo kwindawo yakho usebenzisa umsebenzi we Ukukhangelwa kweNdlu yeRhafu ephantsi .
Uncedo lokuhlawula irente
Izindlu ezinengeniso ephantsi. Inkqubo yeeVawutsha zeZindlu, ekwabizwa ngokuba yi Icandelo 8 Yahluke kancinane kwizindlu ezifumana inkxaso-mali. Ngaphantsi kwale nkqubo, ufumana ivawutsha onokuyisebenzisa ekuqeshiseni kubanini babucala nakwizakhiwo zeeflethi. Le nkqubo ikunika inkululeko engakumbi malunga nokuba uhlala phi. Nangona kunjalo, inkampani yolawulo lwepropathi kufuneka ibe kuLuhlu lwaBanini bamakhaya oluvunyiweyo lweNkqubo yeVawutsha yeZindlu.
Kunye neCandelo 8 , uhlawula inxalenye yerenti kwaye ugunyaziwe wendawo yokuhlala yoluntu uya kuhlawula yonke enye. Ngokubanzi, iPHA iseka isixa sevawutsha esisiseko ngokusekwe kumaxabiso entengiso akhoyo kwindawo yakho. Iarhente emva koko ithathe iipesenti ezingama-30 zengeniso yakho yanyanga nganye kwisixa-mali sokumisela uncedo lwakho lwenyanga, ngokwe-HUD. Unokukhetha ukurenta ipropathi ebiza loo mali okanye urente enye ebiza ngaphezulu ukuba unako ukuhlawula umahluko.
Ukulungela iNkqubo yevawutsha yeZindlu kunokuba nzima kancinci. Ukwenza oku, kufuneka:
- Dibana neemfuno zikarhulumente wakho ezinengeniso ephantsi
- Fumana iCandelo 8 lePropathi evunyiweyo
- Dlulisa imvelaphi kunye / okanye ukukhangela ikhredithi eyenziwe ngumnini
- Nikezela ngesalathiso kumnini
Njengezindlu zikawonke-wonke, iNkqubo yeVawutsha yeZindlu inokuba namaxesha amade okulinda. Unokuba kuluhlu lokulinda kangangeenyanga (okanye ngaphezulu konyaka) emva kokuba ufake isicelo ngaphambi kokuba uqale ufumane uncedo.
Uncedo lokurenta kwiindawo ezisemaphandleni
Ukuba uhlala emaphandleni, unokufanelekela uhlobo oluthile lwezindlu zabucala ezifumana inkxaso-mali ezibonelelwa liSebe lezoLimo laseMelika. Ngaphantsi kwale nkqubo, abaninimzi bafumana inkuthazo yerhafu ekhethekileyo yokubonelela ngeeyunithi ngexabiso elincitshisiweyo kwiintsapho ezinengeniso ephantsi. Ukuze ufaneleke, irenti yakho kufuneka idlule kwi-30% yengeniso ehlengahlengisiweyo yekhaya (emva kwezaphulelo ezifanelekileyo), ngokwe- USDA . Kuya kufuneka uphile okanye uzimisele ukufudukela kwipropathi evunyiweyo yerenti.
Ukufaka isicelo senkqubo yokuNcedisa ukurenta emaphandleni, kufuneka:
- Ubungqina bokuba inqanaba lakho lomvuzo liphantsi okanye lingaphantsi komda wengeniso we-USDA
- Ubungqina bokuba irenti yakho ingaphezulu kwe-30% yengeniso yakho
- Ukuhambisa iimfuno zomnini, ezinokubandakanya ikhredithi kunye / okanye ukujonga okungasemva
Ngokungafaniyo nezinye izindlu ezinengeniso ephantsi, inkqubo yokuNcediswa kweRental Rental ilawulwa yi-USDA. Ukufaka isicelo, nxibelelana ne-ofisi ye-USDA yophuhliso lwasemaphandleni. Sebenzisa i-USDA Service Locator ukufumana iinkcukacha zonxibelelwano.
Olunye ukhetho
Ngaphandle kweenkqubo zoncedo ezilawulwa ngurhulumente, unokufuna ukuphanda iinkqubo ezenziwa ngurhulumente wakho kunye nezo ziqhutywa yimibutho yesisa. Umzekelo, iinkqubo zikarhulumente zinokubandakanya iindlela zoncedo olukhawulezileyo zokurenta; Ukuba uzibona ubophelelekile kwaye usesichengeni sokukhutshwa, unokulungela ukufumana uncedo lwexesha elinye ukuze akuncede uphumelele. Okanye, ukuba unengxaki yokwenza imali yakho igqibe, urhulumente wakho anganikezela ngengcebiso ngolawulo lwemali yasimahla.
Uninzi lwezibonelelo zikwabonelela ngoncedo lokurenta ngexesha elinye. Umzekelo, isisa sinokukunceda ukuba ubhatale idipozithi yokungena kwikhaya elitsha.
Ezi nkqubo kunye neemfuno zabo zokufaneleka ziyahluka ngokwendawo. Eyona ndlela ilula yokufumanisa ukuba yintoni ekhoyo kukunxibelelana neofisi yegunya lendlu yakho.
Iinkqubo zokuNcediswa nguRhulumente
Nangona uninzi lweenkqubo zilawulwa ngurhulumente womanyano, izicelo kunye nokuhanjiswa kwemali kuphathwa kwinqanaba likarhulumente, kwaye iinkqubo zesicelo zikarhulumente zinokwahluka kakhulu. Ngelixa amanye amazwe ekuvumela ukuba ufake isicelo kwi-Intanethi, amanye afuna ukuba ungenise izicelo ngeposi, kwaye abanye bakhetha ukuba undwendwele i-ofisi ngokwakho.
Ukwenza lula le nkqubo, qala unxibelelane negunya lendawo yokuhlala. Iarhente apho inokukuxelela ukuba ungasifaka phi kwaye njani isicelo, kunye nokuba zeziphi iinkqubo zikarhulumente kunye nesisa ezikhoyo. Unokufumana iofisi kwindawo yakho kwiwebhusayithi ye-HUD yeNgcaciso yeNgingqi yewebhusayithi.
Ngaphambi kokufaka isicelo, qiniseka ukuba unawo la maxwebhu alandelayo:
- Iphepha-mvume lakho lokuqhuba okanye isazisi esikhutshwe ngurhulumente.
- Ikopi yesivumelwano sakho sokurenta
- Izitena zokuhlawula zamva nje
- Ikopi yesitetimenti sebhanki kutshanje
- Iinombolo zokhuseleko lwentlalo lwawo onke amalungu osapho lwakho
Izibonelelo zeZindlu ezingabizi ngamaxabiso
- Umbutho weSizwe wabaBolekisi beZindlu abafikelelekayo (NAAHL) Umsebenzi we-NAAHL kukwandisa amathuba ezoqoqosho ngenkxaso-mali yabucala enoxanduva lokufumana izindlu ezifikelelekayo kunye nokuvuselelwa kobumelwane okubandakanya.
- ISebe laseMelika lezeZindlu noPhuhliso lweeDolophu (i-HUD) : IiGranti zoPhuhliso loLuntu (CDBG), ubuhlakani boTyalo-mali baseKhaya (EKHAYA), iNgxowa-mali yeTrasti yezeZindlu
- Isebe likaNondyebo wase-US - Iikhredithi zeRhafu yeZindlu eNgeniso ephantsi (i-LIHTC) zenza inkuthazo yentengiso yokufumana kunye nophuhliso, ukubuyisela kwisimo sangaphambili izindlu ezifikelelekayo.
- Inkonzo yezeZindlu zasemaPhandleni kwiSebe lezoLimo laseMelika (USDA) -Ubonelela ngeenkqubo ezahlukeneyo zokwakha okanye ukuphucula amakhaya abalulekileyo kunye noluntu kwiindawo ezisemaphandleni. I-USDA ibonelela ngeemali-mboleko, izibonelelo kunye nemali mboleko yokuqinisekisa amakhaya angatshatanga kunye neentsapho ezininzi, amakhaya abantu abalupheleyo, izindlu zabasebenzi basezifama, nokunye okuninzi.
- IBhunga likaZwelonke leearhente zezeZindlu zikaRhulumente (i-NCSHA) Umbutho ongajonganga nzuzo, ongenambutho owenziwe ngurhulumente wesizwe Iiarhente zezeziNdlu zokulungelelanisa kunye nokunyusa iinzame zabo zokuxhasa izindlu ngezindlu ezifikelelekayo.
- Uluhlu lweearhente zezemali zezindlu, ngurhulumente
- UManyano lweZindlu lweNgeniso ePhakamileyo (i-NLIHC) -I-NLIHC izinikezele ngokukodwa ekufezekiseni imigaqo-nkqubo yoluntu eqinisekisa ukuba abantu abafumana imivuzo ephantsi eMelika banamakhaya afikelelekayo kwaye afanelekileyo.
- Umbutho weSizwe weearhente zezeziNdlu zaseKhaya (i-NALHFA) Umbutho weSizwe weengcali ezisebenza ukuxhasa ngemali izindlu ezifikelelekayo kwimeko ebanzi yophuhliso loluntu kwinqanaba lendawo. Ingenzi nzuzo egxile kubhengezo kwaye ibonelele ngoncedo lobuchwephesha kwii-arhente zedolophu kunye nezithili, imibutho engenzi nzuzo, kunye namashishini abucala.
- Umbutho weSizwe waBakhi beKhaya (NAHB) -Umanyano olungaphezulu kwama-700 ombutho waseburhulumenteni kunye nowasekhaya, i-NAHB imele amalungu angaphezu kwe-140,000 kwaye lilizwi leshishini lezindlu laseMelika. Basebenza ukuqinisekisa ukuba izindlu yinto ephambili yesizwe kwaye bonke abantu baseMelika banakho ukufikelela kwizindlu ezikhuselekileyo, ezifanelekileyo nezifikelelekayo, nokuba bakhetha ukuthenga okanye ukurenta.
- IBhunga loNcedo lweZindlu (HAC) Umbutho weSizwe ongenzi nzuzo onceda ukwakha amakhaya noluntu kwimimandla esemaphandleni eMelika.
Inqaku lokugqibela
Ukuzabalaza ukuhlawula irente kunokuba yinto eyoyikisayo, kodwa uncedo luyafumaneka. Qala ngokunxibelelana nommeli weGunya lezeZindlu, ufake isicelo sayo nayiphi na inkqubo oyifumanayo, kwaye uqhubeke ujonge iinkqubo ezincinci, ezingaziwayo kangako osenokuba ukuphose. Khumbula ukuba ezi zinto zithatha ixesha - uninzi lweenkqubo zinabafakizicelo abaninzi kunokuba benemali, kwaye uluhlu lokulinda aluqhelekanga.
Iphepha elichazayo ukuba awusenanto oyifunayo: Eli linqaku elinolwazi.
I-Redargentina ayiniki ngcebiso zomthetho okanye zomthetho, kwaye ayenzelwanga ukuba ithathwe njengengcebiso yezomthetho.
Umbukeli / umsebenzisi weli phepha lewebhu kufuneka asebenzise olu lwazi lungentla kuphela njengesikhokelo, kwaye kufuneka asoloko eqhakamshelana nemithombo engentla okanye abameli bakarhulumente bomsebenzisi kolona lwazi luhlaziyiweyo ngelo xesha, ngaphambi kokwenza isigqibo.
Iziqulatho
- Izinketho zezindlu ezixhaswa ngemali
- Indlu yoluntu
- Ukuze ufaneleke ukufumana izindlu zoluntu kufuneka:
- Inkxaso yezindlu zabanini babucala
- Ukulungela ukufumana izindlu zabucala ezifumana inkxaso-mali, kufuneka:
- Uncedo lokuhlawula irente
- Uncedo lokurenta kwiindawo ezisemaphandleni
- Ukufaka isicelo senkqubo yokuNcedisa ukurenta emaphandleni, kufuneka:
- Olunye ukhetho
- Iinkqubo zokuNcediswa nguRhulumente
- Izibonelelo zeZindlu ezingabizi ngamaxabiso
- Inqaku lokugqibela