IiNkqubo zezindlu ze-HUD Wonke umntu ohlala kuyo kufuneka awazi

IiNdlu eziBulungisa, iCandelo 8 kunye neHUD izindlu

Kuzo zonke iimfuno zomninikhaya ukuba ziqhelane neenkqubo zezindlu ezijongene ne-HUD. Injongo yale nkqubo kukukhusela wonke amalungelo aseMelika ukuba aphathwe ngokufanelekileyo ezindlini kwaye ahlale kwindawo ekhuselekileyo. Funda iiprogram ezintathu ze-HUD ngamnye umninimzi kufuneka azi.

1. I-HUD yeZindlu eziLungileyo kunye neNkqubo yokuLingana

Yintoni:

I-HUD inoxanduva lokunyanzelisa uMthetho weZindlu zoLuntu ka-1968.

Ngamafutshane, phantsi kwe-Fair Housing Act, xa uthengisa indlu, ukuqasha indlu, okanye ukuboleka imali yokuthenga imali, akukho mthethweni ukucwaswa ngokusekelwe kubuhlanga, umbala, umvelaphi wesizwe, inkolo, isondo, isimo somntu okanye ukukhubazeka.

Ingaba isebenza kanjani:

Ukuba umntu uvakalelwa ukuba abachaswanga ngokungafanelekanga, banokufaka ifowuni kunye ne-HUD. I-HUD iya kuphanda uphando. Kuza kuqala kukwazisa iqela "elichasayo" lebango kwaye livumele ukuba baphendule. Kuya kuthi emva koko ibone ukuba kukho nayiphi na into ebalulekileyo kwibango.

I-HUD inokunika amaqela ithuba lokudibanisa isikhalazo sabo ngesivumelwano soHlangano lwe-HUD. Ukuba ukuxolelana kwehluleka kwaye i-HUD ine "isizathu esicacileyo" sokukholelwa ukuba ucalulo lwenzekile, le nkundla iya kuphulaphulwa kwintlawulo okanye kwiNkundla yeSithili yeSithili ukuba ngaba amaqela athetha.

Kubaluleka kwabanikazi bomhlaba:

Njengomnini wezindlu, ngubani oza kuqeshisa okanye athengise ipropati yakho, kuyona nto inomdla ukwazi kwaye uhambelane noMthetho weZindlu zoBulungisa, ngoko awuyi kutyholwa ngocalucalulo.

Unokuzama ukufumana imali yokuboleka imali, ngoko kufuneka uqondisise uMthetho weZindlu zoBulungisa ukuze wena ngokwakho ungacaluli.

2. I-HUD yeNkqubo yokuThengwa kweZindlu zeHUD

Yintoni:

Inkqubo yokuThengwa kweZindlu zeZindlu ixhaswa ngemali yi-HUD kwaye yenziwe ngama-Agencies Housing Housing (PHAs).

Ngokuqhelekileyo ekubhekiswa njengeCandelo 8 leZindlu , le nkqubo inika abaqeshi abafumana imali encinci, abadala, okanye abakhubazekileyo ngeevawutsha zerenti ezixhasayo.

Ingaba isebenza kanjani:

Abantu ngabanye bangasebenzisa ezi vawutsha ukuba bakhethe izindlu abazikhethele zona, nje kuphela ukuba umnini wepropati avumile ukwamukela le nkqubo. Izindlu kufuneka zithobele iikhowudi zezempilo kunye nezokhuseleko ze -PHA. I-PHA iya kuhlawula ngokukhawuleza umninimzi ovunyelweneyo ngenxalenye yerenti. Umqeshi uya kuba noxanduva lwentlawulo eyongezelelweyo leyo i-voucher yekarhulumente ayifuni.

Kubaluleka kwabanikazi bomhlaba:

Njengomnini-ndawo, kufuneka unqume ukuba uya kwamkela abaqeshi beCandelo 8 kwipropati yakho.

Iinkonzo:

• Uya kuqinisekiswa inxalenye yerenti (ngamanye amaxesha yonke into) ukusuka kurhulumente ngenyanga.

Umgcini:

• Awukwazi ukuhlawulisa ngaphezu kwe-HUD enquma ukuba yi-Fair Market Rent (FMR) yakho yepropati.
• Ii-PHA zihlala ziba nemigangatho yempilo kunye nokhuseleko malunga nento efanelekileyo yezindlu. Ngokomzekelo, ukuba ingaphakathi lekhamera ayifakwanga, unokusilela ukuhlolwa kwakho kweCandelo 8 kude kulungiswe imeko.
• I-PHA ayisoloko ihlawula lonke irente, ngoko umqeshi uya kuba noxanduva lokuhlawula umbahluko. Kufuneka uqinisekise ukuba umnini-mali unayo imali yokwenza njalo.

Kwamanye amazwe, akukho mthethweni ukukhanyela umqeshi ngenxa yokuba baneCandelo 8. Unokwenjenjalo ukuchasa ngokusekelwe kwi-credit card engafanelekiyo emva kokuba uhlole i-credit check .

3. Inkqubo yezindlu zeHUD

Yintoni:

I-Federal Housing Authority (FHA) yohluhlu lwe-HUD oluqinisekisa ukuthenga imali. Ukuba i-FHA-mortgage mortgage imiselweyo (umnini uyayeka ukuhlawula imali yakhe kwaye indlu iya kwi-foreclosure), umboleki-mboleko angayifaka ibango kunye ne-FHA ukuze athole yonke imali ehlawulwayo. Xa i-FHA yenza i-lender epheleleyo (ihlawula umyinge we-mortgage), i-HUD iba ngumnini wepropati kwaye iya kuzama ukuyithengisa ukuze ibuyise imali elahlekileyo.

Ingaba isebenza kanjani:

I-HUD igxininisa kwi-single-family (iiyunithi 1-4) kunye nezindlu ezininzi (ama-5+ amayunithi). Ii-HUD iintsapho zentsapho ezingatshatanga zinikwa kuqala ngokuthengiswa kumnini-abanikazi (abanikazi abaya kuhlala kwipropati).

Ukuba akukho nabanikezeli emva komnikelo wokuqala, ngokuqhelekileyo iintsuku ezilishumi, abatyali-mali bavunyelwe ukuba bathengise emakhaya. Kufuneka ulandele imigaqo ethile yokuzithengisa kwi-HUD iimpahla ezininzi. Kumele ubhalise, ukhupha i-kit yentengiso, uze ufike imali ethe xaxa ukuba ube nekhono lokubethelwa kwintengiso.

Kubaluleka kwabanikazi bomhlaba:

Imizi ye-HUD ingaba nexabiso eliphezulu kakhulu kuba urhulumente uyaphupha ixabiso labo ngokumalunga nokulungiswa abayidingayo kwaye baya kuhlawula ezinye iindleko zokuvalwa kunye nezokuthengisa. Urhulumente unokuhlaziya iindleko zokulungiswa okufunekayo okanye ukungahlawuli impahla kunye nendawo apho ungenza imali njengomtyalo-mali.