I-Blockbusting yindlela yokuxhaphaza abanikazi bezindlu ukuba bathengise okanye baqeshise amakhaya abo ngexabiso elincinci ngokubakhohlisa ngokunyanisekileyo ukuba ubuhlanga, unqulo okanye amanye amancinci ashukunyiswa kwiindawo zabo ezikhethiweyo. Kukho mthethweni ukubandakanya kwi-blockbusting.
Umzekelo: I-agent ye-real estate iqasha umfazi omnyama ukuhamba inja yakhe kuyo yonke indawo emhlophe. Emva koko ubeka ikhadi lakhe le-real estate kuzo zonke iibhokisi zeposi kwiibhloko, enikela ukuthenga izindlu zabo ngokukhawuleza ngentengo ehlaziyiweyo.
Injongo kukuqinisekisa abanini bepropati ukuba "uyabancedisa," kuba izindleko zabo zasekhaya ziya kuncipha ngenxa yokunyuka kwamancinci kuloo ndawo.
ZeZindlu eziLungileyo:
Ukuphatha umntu ngokwahlukileyo ngenxa yokuba bangabanye kwiklasi ethile yabantu akuvumelekanga. Xa kuziwa kuyo nayiphi na imisebenzi ehambelana nezindlu, zonke iiklasi zabantu kufuneka ziphathwe ngokulinganayo.
I- Federal Fair Housing Act yayingumthetho owenziwe ngo-1968 ukulungisa le ngxaki. Ikhusela ngokukodwa iiklasi ezisixhenxe zabantu ekucaluleni. Ezi klasi zi:
- Umbala
- Khu bazeka
- Isimo soBume
- Umthombo wesizwe
- Uhlanga
- Unqulo
- Ngesondo
Injongo yalo msebenzi kukuphelisa ulwaphulo-mthetho ekuqeshweni nasekuthengiseni nakwi-mortgage loan. Ukusebenzisa umzabalazo ukuzama ukufumana abaninikhaya ukuba bathengise amakhaya abo, okunye okubizwa ngokuba yi-blockbusting, bekungekho mthethweni phantsi kwe-Federal Fair Housing Act. Ukuba umntu ukholelwa ukuba ahlaselwe lixhoba lokucwaswa kwezindlu, banokufaka ifowuni kunye ne- HUD.
Kufuneka ujonge kwakhona imithetho yommandla wasekhaya. Amazwe amaninzi ayenemithetho yabo yoLondolozo lweZindlu eziKhuselekileyo ezikhusela iiklasi ngokubhekisele kwiiyisixhenxe zokuqala ezikhuselwe yi-Federal Fair Housing.
Izinto eziye zinciphisa ixabiso lePropati:
Ezi zizathu ezithile ezisekulawuleni kwakho ezinokubangela ukuba ixabiso lepropati yakho linciphise.
Ezi zinto ziquka ukungahambisani nokugcinwa kwepropati. Ukuba unendawo ephezulu, iya kubachaphazela kakubi ixabiso oya kukwazi ukuluhlula indlu yakho. Ngokuqhekeza utshani, ipropati yakho iya kuba neengongoma ezingcono zokubambelela kwaye ungakwazi ukuhlawulisa ngakumbi kuba ikhaya lijongene nokunyamekela.
Zizo ezinye iimeko ezingaphaya kolawulo lwakho ezinokubangela ukuba ixabiso lepropati yakho linciphise. Ezi zinto ziquka:
- Imirhumo yokuThengiswa kwemali: Xa izinga lokuthengwa kwemali likhula, abantu abakwazi ukufumana imali eninzi. Indlu efanayo eya kuba nako ukufumana imali phambi kokuba ixabiso liye landa, ngoku ingaba yinto engonakaliyo kuba iintlawulo zabo zenyanga ziya kuba ziphezulu. Ngoko ke, ukubhenela kumthengi ofanayo, unokufuneka unciphise intengo yamakhaya ukuze uyithengise.
- Imozulu: Ukuba inhlekelele yemvelo ivela kwindawo apho ikhaya lakho likhona, lingenza ukuba ixabiso lepropati yakho linciphise kakhulu. Ngokomzekelo, isiqhwithi singabangela ukukhukula okukhulu kwindawo engazange ibe nemiba yokukhukula. Ipropati yakho inokuthi ihlelwe kwiindawo zokukhukula, nto leyo eya kwenza abantu babe nexhala ngokuthenga. Kuya kuba nzima ukuthengisa impahla yakho nge dollar ephezulu.
- Ukuthengiswa okufutshane / Ukubhengezwa kwangaphambili: Enye into enokubangela ukuba ixabiso lepropati yakho linciphise ukuthengisa okufutshane okanye ukuhlaselwa kwendawo. Xa uzama ukufumanisa ixabiso lekhaya lakho, i-appraiser izakusebenzisa ukufaniswa kwendawo yakho. Nangona iipropati ezifanayo zihamba ngokuthengisa okufutshane, umhloli wee-appraiser uya kusasebenzisa ukuhlawula ikhaya lakho, ukunciphisa ixabiso lepropati yakho.
Abathengi banokuthi banganqikazi ukuthenga kwindawo yakho ukuba kukho inani elikhulu lokuthengisa iifutshane. Bokuba banokukhathazeka ukuba ummelwane uhla.