Kodi ndingalembetse bwanji nyumba yaboma

Como Puedo Aplicar Para Un Apartamento De Gobierno







Yesani Chida Chathu Chothetsa Mavuto

Nyumba Zopeza Ndalama Zochepa . Mapulogalamu a thandizo lanyumba yaboma onjezerani lembetsani nyumba zopeza ndalama zochepa . Nyumba zapagulu zoperekedwa ndi mabungwe aboma kapena aboma, nyumba m'nyumba zothandizidwa ndi boma, kapena vocha yothandizira kupeza malo oyenera kudzera kwa mwininyumba Gawo 8 .

Kufunsira mapulogalamu othandizira boma kumayambira mumzinda kapena m'dera lanu. Pomwe Gawo Yoyang'anira zosowa zakunyumba ndi boma, United States department of Housing and Urban Development ndi bungwe loyang'anira mabungwe.

Nyumba Zanyumba Zanyumba

Nyumba zaboma. Madipatimenti opeza ndalama zochepa. Ma PHA m'mizinda amakhala ndi mapulogalamu omwe amathandiza anthu komanso mabanja. Lemberani ku PHA yakwanuko. Dziwani kuti zokonda zimaperekedwa kwa iwo omwe amagwira ntchito nthawi yochepa, omwe amapita kusukulu, kapena okalamba okalamba.

Olembera amafunika kuti alembe zakumbuyo, asakhale ndi mbiri yakuphwanya malamulo, komanso akhale nzika zalamulo. Sangakhale ndi ngongole zogulira zomwe zimapitilira 60 peresenti yazopeza zapakhomo.

Ntchito yofunsira ku PHA ikuphatikizira kutolera mayina am'banja onse omwe akukhala mnyumbamo ndikupereka masiku awo obadwira, manambala achitetezo, komanso mbiri zaposachedwa za nyumba ndi ntchito. Maofesi ambiri a PHA ali ndi mindandanda yoyembekezera; Lankhulani ndi wogwira ntchitoyo za njira zina.

Konzekerani ndi chidziwitso chonse kuti muwonetsetse kuti mwatchulidwanso tsiku lomwelo. Ngati mukuyenera kubweretsa mapepala ngati ndalama zolipirira tsiku lina, zidzachedwetsani pempho lanu.

Gawo 8

kufunsira nyumba zopeza ndalama zochepa.

Ngati simungapeze nyumba kudzera pazida zolipiridwa ndi PHA, pemphani voucha ya Gawo 8 . Vocha iyi ndi yamabanja omwe amalandila ndalama zochepa omwe ndalama zawo sizipitilira 50% ya ndalama zapakati. Ma vocha amalipira eni nyumba omwe akutenga nawo gawo mwachindunji, ndi kusiyana komwe kulipidwa ndi wobwerekedwayo.

Afunseni ku ofesi ya PHA mdera lanu . Padzakhalanso mndandanda wa oyembekezera ma vocha a Gawo 8. Makonda amaperekedwa kwa mabanja omwe alibe pokhala, omwe amalipira ndalama zoposa 50% za renti, komanso omwe achoka kwawo mwangozi.

Mapulogalamu amafunikira zidziwitso za wopemphayo, kuphatikiza nambala yachitetezo cha anthu, tsiku lobadwa, ndi mbiri yantchito. Umboni wazomwe mukubwereka pakalipano komanso mtengo wake uyenera kuphatikizidwa pazofunika kwambiri.

Nyumba zothandizidwa ndi anthu ena

Nyumba zobwereketsa ndalama zochepa . Nyumba zothandizidwa ndi anthu ena zimaphatikizapo nyumba zomwe zimakhala ndi nyumba zingapo zothandizidwa. Maofesiwa si ake kapena amayendetsedwa ndi Khungu . Lendi nthawi zambiri samathandizidwa mokwanira. Maofesiwa amalandila ngongole yamsonkho chifukwa chokhala ndi omwe akukhala oyenerera kulandira nyumba kapena thandizo la PHA.

Mukalembetsa ku ofesi ya PHA, funsani wogwira ntchitoyo kuti awapatse mndandanda wazanyumba zomwe mungapeze. Muyenera kufunsa mwachindunji kuchokera kuzovuta kuti awaganizire. Imeneyi ndi njira yabwino kubanja lomwe likukumana ndi mavuto kwakanthawi, koma likukonzekera kubwereka zovuta pambuyo pake popanda ndalama komanso osasamukanso.

Momwe mungakwaniritsire kukhala ndi ndalama zochepa

Mwina mungadabwe: Kodi ndimakwanitsa bwanji kukhala ndi ndalama zochepa? Kuti muyambe, muyenera kudziwa tanthauzo la ndalama zakomweko. Mwachitsanzo, banja la anthu anayi omwe amakhala ku San Francisco omwe amapeza ndalama zokwana $ 129,000 pachaka kapena zochepa akhoza kukhala ndi nyumba zochepa. Ku New York City, chiwerengerocho ndi $ 85,350. Pakadali pano, ku Chicago, ndi $ 71,300. Malirewa amasintha pachaka, chifukwa chake onani izi Makina owerengera nyumba ndi Urban Development (HUD) pamalire azachuma azambiri m'chigawo chanu.

Njira yabwino yodziwira ngati mukuyenera kupeza nyumba zochepa (Nyumba Zanyumba ndi Gawo 8) ndikulumikizana ndi oyang'anira nyumba zakomweko. Kuti mudziwe zambiri zamabungwe apanyumba mumzinda wanu, pitani ku Tsamba la HUD . Oyang'anira nyumba zambiri amakhalanso ndi masamba awoawo, kuti mupeze zidziwitso zofunikira pofufuza oyang'anira nyumba zakunyumba pa intaneti.

Pambuyo pozindikira kuti mukuyenerera kupeza ndalama zochepa, muyenera kuwonetsetsa ndalama zanu ndi HUD. Kuti muwonetse umboni wa ndalama, mutha kugwiritsa ntchito:

  • Ma stub aposachedwa
  • Mabilu
  • Misonkho ya IRS

Muyeneranso kupereka mbiri yakubwereka, kuwunika milandu yokhudza milandu, ndikupatsanso umboni kuti ndinu nzika ya U.S.

Pezani dipatimenti

Mukatsimikizira kuti ndinu oyenera kupeza ndalama zochepa, gawo lotsatira ndikupeza nyumba.

Muthanso kuyang'ana fayilo ya Sakani nyumba zotsika mtengo patsamba la HUD. Chida chachikulu kwambiri chitha kupezeka pa izi wotsogolera nyumba wotsika mtengo .

Mukapeza zosankha zotsika mtengo, pezani ndi kumaliza ntchito yobwereka. Mudzafunika kuti mudziwe zambiri zapakhomo. Kwa onse okhala omwe akukhala mnyumba yanu, mufunika:

  • Mayina athunthu
  • Kuchuluka kwa ndalama komanso umboni wa ndalama
  • Mndandanda wazinthu zilizonse
  • Nambala zachitetezo cha anthu

Zambiri zamomwe mungaperekere fomu iliyonse imasiyanasiyana, koma gulu lililonse lokhalamo kapena mwininyumba azipereka izi asanalembe pempholo. Onetsetsani kuti mwatsatira malangizo amderalo lililonse ndikutumiza mapulogalamu molingana. Mutha kuyikidwa pamndandanda wodikirira, ndipo ngati mungatero, titha kukumana nanu ndikukufunsani ngati mukufuna kukhalabe m'gulu la odikirira. Yankhani mwachangu kuti musachotsedwe pamndandanda.

Kodi chimachitika ndi chiyani ndikapeza ndalama?

Ndikofunika kukhala owona mtima pazosintha zilizonse zomwe mumapeza. Ngati agwidwa mukubisa zambiri kapena kunama za ndalama zanu, mutha kukhala pachiwopsezo chotaya kuyenereradi. Ngati mulandila kukwezedwa kapena ndalama zina zowonjezera, kafotokozereni nthawi yomweyo ku Nyumba Yanu Yanyumba kapena wothandizila milandu mu Gawo 8. Chomwe chimachitika ndichakuti simudzasamuka, koma mungafunike kulipira renti pang'ono mwezi uliwonse pambuyo pake .

Zina zofunikira

Kutengera komwe mukukhala, nthawi yomwe pamafunika kuti muvomerezedwe nyumba yaboma kapena gawo la 8 ingakhale yayitali. Mizinda mdziko lonselo ikulimbana ndi mindandanda yayikulu yakudikirira; mizinda yambiri yakakamizidwa mpaka kutseka mindandanda yawo yakudikirira popanda tsiku lokhazikitsidwa kuti ayitsegulenso. Lankhulani ndi HUD yakwanuko kuti muwone momwe malamulo okhala ndi ndalama zochepa mumzinda womwe mukufuna kusamukira.

Malangizo

Kukupatsani lingaliro la komwe mumayima poyerekeza ndi ndalama zapakati, malire a HUD a 2010 akuwonetsa kuti 80% ya ndalama zapakati pa banja la anthu anayi mumzinda wa San Jose-Sunnyvale-Santa Clara, California, ndi $ 80,700. Peresenti 50 ya apakatikati pamtundu wofanana wabanja ndi $ 51,750.

Ngakhale izi ndizokwera kwambiri, Resident Character Report ya HUD ikuwonetsa kuti 97 peresenti ya anthu okhala m'malo okhala mumzinda wa San José amalandila ndalama zochepera 30 peresenti ya ndalama zamderali, zomwe ndi $ 31,050, pofika mu 2010.

Zolemba

Njira

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