Iingcebiso ezi-7 zokubeka uMqashi omkhulu kwiPropati yakho yoTyalo-mali
1. landela uMthetho
Abanikazi bezindlu kufuneka baphathe bonke abaqeshisayo abalinganayo. Kukho umthetho, owaziwa ngokuba yi- Federal Fair Housing Act , owenzelwe ukuthintela ulwaphulo-mthetho kwiiklasi ezithile zabantu kunoma yimuphi umsebenzi ohambelana nezindlu.
Ngamafutshane, awukwazi ukubandlulula ngokusekelwe kulo:
- Uhlanga okanye umbala
- Umvelaphi wesizwe
- Unqulo
- Ngesondo
- Indawo yokuhlala (iintsapho kunye nabantwana)
- Khu bazeka
Ukongezelela, amaninzi amaninzi anemiyalelo yezindlu zoLungileyo omele ulandele, ke qiniseka ukuba uyazi kwaye uyahambelana nemithetho yakho yasekuhlaleni.
2. Khetha umqeshi kunye neNgxelo efanelekileyo
Ufuna ukukhangela umqashi onoxanduva lwezemali. Ukuba ngaba uxanduva lokuhlawula iibhilikhwe zabo, kukho ithuba elinamandla baya kulihlawula irente zabo ngexesha kwaye baxanduva lakho. Ukuhloliswa kwemali yomqeshi yinkqubo ebini:
A. Qinisekisa iNgeniso:
- Ngokufanelekileyo, uya kufuna ukufumana umnini-mali ofumana imali engenayo yenyanga ngenyanga ubuncinane kathathu kwerhafu yenyanga.
- Buza iikopi zee-stubs zabo zokuhlawula.
- Bambiza umqeshi wabo ngqo ukuba baqinisekise umsebenzi wabo, ubude bengqesho, irekhodi lokubakho kunye neengeniso zenyanga.
B. Jonga i- Credit Check Check :
- Ngaba banayo imbali yokuhlawula iibhilikhwe zabo ngexesha?
- Hlola umvuzo wabo kwinani leetyala.
- Nangona imali yabo engenayo iphindwe kathathu kwerhafu yenyanga, kufuneka uqikelele ukuba bangakanani na amatyala.
Ngokomzekelo: Ingeniso i-$ 1000 ngenyanga. Umqeshi A wenza i-$ 3000 ngenyanga, kodwa unayo i-$ 2400 kwiintlawulo zetyala ngenyanga. Lo mqeshi angaba nexesha elinzima ukufaka indlu ngaphandle kwemali engenayo yenyanga. Umqeshi B wenza i-$ 2500 ngenyanga, kodwa akanakho ityala. Lo mqeshi angaba ngumgqatswa obalaseleyo wokuhlawula irenti nangona imali yabo engenayo ayikho kathathu irenti yenyanga.
- Khangela ukuxoshwa kwangaphambili , izigwebo zomntu ngokuchasene okanye ukuphazamiseka.
3. Yenza iNtloko yoLwaphulo oluPhezulu
Ulwazi lolwaphulo-mthetho lukarhulumente, kwaye luyakwazi ukujongwa ezindlwini ezahlukeneyo zenkundla. Olu tshekisha luya kuvela emacaleni amacinci kunye namancinci. Uzakufuna igama lomqeshi kunye nomhla wokuzalwa ukuqhuba enye. Gcina ukhumbule ukuba abo abanokrekhodi lobugebengu bangayama ukukhohlisa le nkcazelo, ke qiniseka ukuba uhlolisise i-ID evumelekileyo ukuqinisekisa ukuba ngubani abo bathi bayabo.
Uhlolo loPhando oluPhambili luya kuquka:
- Ukukhangela kweeNkcukacha zeNkundla yaseStar
- Inkcazelo yeeNkcukacha zoLwaphulo-mthetho kwilizwe lonke
- Uphando lweNkundla yoLwaphulo-mthetho
- ISebe leeCorption Offender Search
- Uphando lweeNgcaciso zoLwazi lwezesondo
Iingongoma zokulumkisa:
- Amanye amazwe, afana neCalifornia, avimbela abanikazi bezindlu ukuba bahlule abavakalisi ngeenkolelo ezithile zobugebengu. Njengomnini-mnini, unokuba nexesha elilula ukubonisa ukukhanyela umntu oza kuba ngumqeshi ngesigqirha okanye ulwaphulo-mthetho olunobundlobongela kunokuba ungayilahli umqeshi ngeetikithi ezingama-50 ezikhawulezayo. Oku kungenxa yokuba iziyobisi okanye ubundlobongela obundlobongela buya kuphazamisa ukhuseleko lwabanye abaqashi.
- Akukho datha yelizwe lonke yeengxelo zolwaphulo-mthetho, ngoko kunokuba nzima ukwenza inkcazelo yangaphandle.
- Ukwenza uhlolo lobugebengu ngokwakho lunokuchitha ixesha. Kungaba ngcono ukuba uqashe inkampani ekhankanyayo yokuqeshisa umqeshi ukwenza le ngotshe kuwe. Iyakwazi ukudibaniswa kunye nokutshekishwa kwekhredithi, imali eyongezelelweyo yekhosi.
4. Khangela umlando weRhafu yeMrente
Ukuba kunokwenzeka, kufuneka uxoxe nabancinci ababini bezindlu . Oku kungenxa yokuba, ukuba umfaki-sicelo unengxaki yomqashi, umnini-mhlaba wangoku angathanda ukufumana umqeshi ezandleni zakhe kwaye angabi nanjengenyaniso.
Imibuzo Omele Uyibuze:
- Ngaba umqeshi wayehlawula irente lakhe ngexesha ?
- Yayiyiphi isizathu sokuhamba? Ngaba umqashi wayekhutshwa ngaphandle kokuhlawulwa kwerenti okanye ukuphula imithetho yomninikhaya?
- Ngaba umqashi unika isaziso seentsuku ezingama-30 phambi kokuba ahambe ?
- Babeyigcina njani indlu yabo? Ngaba bahlambulukile?
- Ngaba babangele nawuphi umonakalo kwindlu ngaphandle kwento eqhelekileyo yokugqoka kunye nokulila ?
- Ngaba bebahlonela abamelwane babo?
- Ngaba bakhononda kaninzi?
Ewe, ukuba umfaki-sicelo ungumntu wokuqala wexesha, umfundi okanye umfundi osanda kuphumelela, abanakho ukufumana imbali yerenti.
Kule meko, unokufuna umnxibelelwano wokubambisana.
5. Khetha Umqashi onokuzimelela
Kwifom yesicelo sabo, jonga kwiimakheli zangaphambili zomqeshi nembali yengqesho. Ngaba bahamba okanye batshintshe imisebenzi rhoqo? Ukuba bahamba rhoqo, le pateni iya kuqhubeka kwaye ngokukhawuleza uza kuba nesithuba kwizandla zakho kwakhona. Ukuba ababonisanga umsebenzi ongenamathele, abanakho ukukwazi ukuhlawula indlu kwiinyanga ezintathu kwaye uya kushiywa ukuqala uphendlo lwakho lomqeshi ukususela ekuqaleni okanye ukujongana nokukhutshwa.
6. Ubuninzi babantu ababini kwigumbi lokulala
Abantu abangaphezu kwendlu nganye, ingxolo engakumbi kunye nokugqithisa nokugqabhuka kwi-investment yakho. Nangona i- HUD ingenayo imithetho ethile malunga nenani labantu abahlala kwigumbi lokulala, umgaqo wabantu ababini ngaphezulu kwigumbi lokulala libhekwa ngokungqiqweni phantsi kwe-Fair Housing Act, kunye nezi zinto zilandelayo:
- UMbuso kunye noMthetho weNgingqi:
- Ukuba urhulumente okanye indawo eneendawo zokuhlala zezindlu, umninimzi kufuneka azilandele.
- Ubungakanani kunye noHlelo lokuhlala:
- Igumbi lokulala lesigcawu esingama-500 lingabamba abantu abangaphezulu kwegumbi lamawaka angama-250.
- Iyunithi enegumbi lokuhlala kunye ne-den lingabamba abantu abangaphezu kweyodwa.
- Ubudala kunye neNani labantwana:
- Ukwenqaba ukurenta abantu ababini abanomntwana kwisinye igumbi lokulala bangaqwalaselwa njengobandlululo, kodwa ukwenqaba ukurenta abantu ababini abaneminyaka elivisayo egumbini elilodwa lokulala babeya kuthathwa njengengqiqo.
- Unokunika isibalo esiphezulu sabantu kwiifestile, kodwa awukwazi ukunika inani eliphezulu labantwana kwifestile.
- Imida yeNkqubo yeSeptic / yoTshwala:
- Ukuba amandla enkqubo anokunyamezela kuphela inani elithile labantu abahlala kuyo.
7. Thembela amaKhosi akho
Unokwenza konke ukukhangela kwihlabathi, kodwa ngamanye amaxesha izilwanyana zakho ziyijaji elihle kakhulu lomlingiswa. Unokuvakalelwa kukuba kukho into ekhutshwe malunga nomqashi okanye mhlawumbi ubonakala efanelekileyo ephepheni. kamva ukufumanisa ukuba umnini-mhlaba usetyenzise i-identity yomntu ukuba afake isicelo sefu. Thembela ukuhlola kwakho, kodwa ungakuhoyi umthambo wakho.