Nyumba zopanda ndalama zambiri . Ngati kulipira renti yanu mwezi uliwonse kumatanthauza kugunda pansi pa akaunti yanu yowunika, simuli nokha. Malinga ndi Center for Housing Policy, ndalama zanyumba ndi mayendedwe zakula 44% kuyambira 2000, pomwe ndalama zapakhomo zakwera 25% yokha .
Masiku ano, mabanja omwe amalandila ndalama zochepa amawononga ndalama zoposa 59% ya ndalama zanu zapachaka pa nyumba ndi mayendedwe , kuposa kale lonse. Poganizira izi, nzosadabwitsa kuti, malinga ndi Center for Budget and Policy Priorities, mabanja opitilira 4.9 miliyoni aku America alandila mtundu wina wa thandizo la feduro .
Ngakhale renti yothandizidwa ndi boma siyokhayo yomwe mungasankhe, itha kukhala yodalirika kwambiri ngati mungayenerere. Kutenga njira zoyambirira zofunsira thandizo ku federal zingawoneke ngati zovuta, koma ndikufufuza moyenera, ndikosavuta kuposa momwe mungaganizire.
Zosankha Zanyumba Zothandizidwa Ndi Federally
Nyumba zapagulu
Nyumba zopanda ndalama zambiri . Nyumba za anthu onse ndi mtundu wa malo obwereketsa omwe amathandizidwa ndi boma. Kutengera komwe mukukhala, itha kukhala nyumba, nyumba zingapo, kapena gulu lazinyumba. Kwathu kuno, nyumba zogona anthu zimakhala nyumba zisanu kapena kupitirirapo zophatikizika mdera, pafupifupi kukula kwa mzinda. Maderawa nthawi zambiri amatsekedwa ndipo amatha kukhala ndi mapaki ang'onoang'ono, maiwe osambira ndi malo ena obiriwira.
Zovuta zamtunduwu zimathandizidwa ndi United States department of Housing and Urban Development. ( Khungu ) , koma amayang'aniridwa ndi oyang'anira nyumba. Kukhazikika munyumba yaboma ndikofanana ndi kubwereka kwa mwininyumba yaboma: Muyenera kukwaniritsa zofunikira kwa oyang'anira nyumba ndikusayina pangano. Koma mosiyana ndi kubwereka kwa mwininyumba payokha, oyang'anira nyumba amathandizira kudziwa kuchuluka kwa ndalama zomwe mumalipira lendi: osachepera $ 25 kapena 30% ya ndalama zanu pamwezi, Malangizo a HUD .
Kuti muyenerere kukhala ndi anthu onse muyenera:
- Kambiranani ndi malire a ndalama m'boma lanu
- Khalani nzika yaku U.S.
- Perekani maumboni
- Pitani cheke chakumbuyo
- Kumanani ndi wothandizila panyumba pamasom'pamaso
Malinga ndi department of Housing and Development of Urban, mabanja 1.2 miliyoni pakadali pano amakhala m'nyumba za anthu. Nyumba zogona anthu zili ndi malo ochepa, ndipo mutha kudikirira miyezi ingapo (kapena zaka m'malo ena) chipinda chisanatsegulidwe m'dera lanu. Ngati palibe zotseguka mukalembetsa nyumba, mudzayikidwa pamndandanda wodikirira.
Nyumba zothandizidwa ndi anthu ena
Ngati simungakwanitse kudikirira nyumba zothandizidwa ndi boma, mutha kupita payekha. Nyumbazi zimakhala za eni ake komanso makampani oyang'anira katundu. Pofuna kubweza msonkho, akuyenera kupereka nyumba zawo zina pamtengo wotsika kwa mabanja omwe amalandila ndalama zochepa.
Maofesiwa amatchedwanso nyumba zosakanikirana, chifukwa mabanja ena amalipira ndalama zochepa pomwe ena amalipira renti yonse yamsika. Amawoneka ngati nyumba iliyonse yayikulu.
Kuchuluka kwa renti yomwe muyenera kulipira kumadalira pazinthu zingapo. Eni nyumbayo amapereka ndalama zochepa kwa aliyense amene akuyenerera, pomwe eni nyumba ena amabwereka ndalama zawo pamwezi. Nthawi zambiri, mukalandila ndalama zochepa mwezi uliwonse, ndiye kuti mulipira ndalama zochepa.
Kuti muyenerere kulandira nyumba zothandizidwa, muyenera:
- Kupeza ndalama zochepa kuposa zomwe mumapeza pamwezi (izi zimasiyanasiyana ndimalo okhala nyumba ndi boma)
- Pitani cheke chakumbuyo
- Pezani zofunikira za mwininyumba kuti abwereke, zomwe zingaphatikizepo kupititsa cheke kubweza.
- Muyenera kufunsa mwachindunji kudzera kwa eni ake kuti muchepetse ndalama. Komabe, mutha kupeza maofesi omwe amapezeka mdera lanu pogwiritsa ntchito ntchito ya Kusaka kwa HUD Kutsika Kwanyumba .
Lipira ndalama zothandizira
Nyumba zopanda ndalama zambiri. Pulogalamu ya Voucher ya Nyumba, yomwe imadziwikanso kuti Gawo 8 Ndizosiyana pang'ono ndi nyumba zothandizidwa. Pansi pa pulogalamuyi, mumalandira vocha yomwe mungagwiritse ntchito kubwereka kwa eni nyumba ndi nyumba zamakampani. Pulogalamuyi imakupatsani ufulu wambiri wakomwe mumakhala. Komabe, kampani yoyang'anira katunduyo iyenera kukhala pandandanda wa eni nyumba ovomerezeka.
Ndi Gawo 8 , mumalipira gawo la lendi ndipo oyang'anira nyumba zaboma azilipira zina zonse. Nthawi zambiri, PHA imakhazikitsa voucher yoyambira kutengera mitengo yamisika yamsika mdera lanu. Wothandizirayo amatenga 30% ya ndalama zanu pamwezi kuchokera pamalipiro kuti adziwe thandizo lanu pamwezi, malinga ndi HUD. Mutha kusankha kubwereka malo omwe amawononga ndalamazo kapena kubwereka imodzi yomwe imawononga ndalama zambiri ngati mungakwanitse kusiyanitsa.
Kuyenerera pulogalamu ya Voucher ya Nyumba kungakhale kovuta pang'ono. Kuti muchite izi, muyenera:
- Pezani zofunikira za boma lanu zopeza ndalama zochepa
- Pezani Chuma 8 Chovomerezeka
- Dutsani maziko ndi / kapena cheke cha ngongole chochitidwa ndi mwiniwake
- Fotokozerani za eni ake
Monga nyumba za anthu, Program ya Voucher ya Nyumba ikhoza kukhala ndi nthawi yayitali kudikirira. Mutha kukhala pamndandanda wodikirira kwa miyezi ingapo (kapena mwina kupitilira chaka) mutangolembetsa musanalandire thandizo.
Thandizo lobwereketsa kumidzi
Ngati mumakhala kumidzi, mutha kukhala ndi mwayi wopezako nyumba yapadera yoperekedwa ndi Dipatimenti ya Zaulimi ku United States. Pansi pa pulogalamuyi, eni nyumba amalandila ndalama zapadera zamsonkho zopereka mayunitsi pamtengo wotsika kwa mabanja omwe amalandila ndalama zochepa. Kuti muyenerere, renti yanu iyenera kupitirira 30% ya ndalama zomwe zasinthidwa m'banja lanu (pambuyo pochotseredwa), malinga ndi USDA . Muyeneranso kukhala kapena kulolera kusamukira kumalo ovomerezeka.
Kuti mulembetse pulogalamu ya Rural Rental Assistance, muyenera:
- Umboni wosonyeza kuti ndalama zanu zili pansi kapena pansi pa malire a USDA
- Umboni woti renti yanu ipitilira 30% yazopeza zanu
- Kuti mukwaniritse zofunikira za eni ake, zomwe zingaphatikizepo ngongole ndi / kapena kuwunika kumbuyo
Mosiyana ndi njira zina zopezera ndalama zochepa, pulogalamu ya Rural Rental Assistance imayendetsedwa ndi USDA. Kuti muyankhe, funsani ofesi ya USDA Rural Field Development. Gwiritsani ntchito Malo Osungira Utumiki a USDA kuti mudziwe zambiri zokhudza inu.
Zosankha zina
Pambuyo pamapulogalamu othandizira amabungwe, mungafufuze za mapulogalamu oyendetsedwa ndi boma lanu komanso omwe amayendetsedwa ndi mabungwe othandizira. Mwachitsanzo, mapulogalamu aboma atha kuphatikizira njira zadzidzidzi zothandizira kubwereka; Ngati mukumangidwa ndipo muli pachiwopsezo chothamangitsidwa, mutha kukhala oyenerera kuthandizidwa kamodzi kuti muthandizidwe. Kapenanso, ngati mukuvutika kuti ndalama zanu zizikhala zomaliza, boma lanu lingakupatseni upangiri woyang'anira ndalama.
Mabungwe ambiri othandizira amaperekanso chithandizo chobwereketsa kamodzi. Mwachitsanzo, zachifundo zitha kukuthandizani kulipira chiphaso kuti musamuke munyumba yatsopano.
Mapulogalamuwa ndi zofunikira zawo pazosiyanasiyana zimasiyanasiyana madera. Njira yosavuta yodziwira zomwe zilipo ndikulumikizana ndi ofesi yakunyumba kwanu.
Ndondomeko Zothandizidwa ndi Federal Momwe Mungalembetsere
Ngakhale mapulogalamu ambiri amayendetsedwa ndi boma, ntchito ndi kagawidwe ka ndalama zimayendetsedwa pamaboma, ndipo njira zofunsira boma zitha kusiyanasiyana. Ngakhale mayiko ena amakulolani kuti mugwiritse ntchito intaneti, ena amafuna kuti mupereke zolemba zanu kudzera pamakalata, ndipo ena amakonda kuti mupite ku ofesiyo pamasom'pamaso.
Kuti musavutike, kambiranani ndi oyang'anira nyumba zakomweko. Wothandizila kumeneko angakuuzeni komwe mungagwiritse ntchito komanso momwe mungalembetsere, komanso mapulogalamu ndi mabungwe othandizira omwe alipo. Mutha kupeza ofesi mdera lanu patsamba la HUD's Local Rental Information.
Musanalembe, onetsetsani kuti mwakonzeka zolemba zotsatirazi:
- Chiphatso chanu choyendetsa kapena chiphaso chaboma chatulutsidwa.
- Kope la mgwirizano wanu wobwereka
- Ma stub aposachedwa
- Kope la lipoti laposachedwa ku banki
- Manambala azachitetezo cha anthu onse a m'banja lanu
Zogulitsa Nyumba Zogulitsa Maboma
- National Association of Affordable Housing Lenders (NAAHL) - Ntchito ya NAAHL ndikukulitsa mwayi wazachuma kudzera pakupereka ndalama pagulu pazanyumba zotsika mtengo komanso kukonzanso mdera.
- US department of Housing and Development Development (HUD) : Grants Development Community (CDBG), HOME Investment Partnerships (HOME), Housing Trust Fund
- Dipatimenti Yachuma ku US - Misonkho ya Misonkho Yocheperako (LIHTC) imalimbikitsa zolimbikitsa pamsika kuti zitheke ndikupititsa patsogolo, kukonzanso nyumba zotsika mtengo.
- Ntchito Yanyumba Zam'madera ku United States department of Agriculture (USDA) - Amapereka mapulogalamu osiyanasiyana omanga kapena kukonzanso nyumba zofunikira ndi malo ammudzi akumidzi. USDA imapereka ngongole, ndalama, ndi ngongole zantchito zanyumba imodzi komanso mabanja ambiri, nyumba zosungira okalamba, nyumba za anthu ogwira ntchito kumunda, ndi zina zambiri.
- Bungwe la National Council of State Housing Agency (NCSHA) - Bungwe lopanda phindu, lopanda chipani lopangidwa ndi mabungwe aboma a Housing Finance Agency kuti akwaniritse ndikugwiritsa ntchito njira zolimbikitsira mabungwe okhala ndi nyumba zotsika mtengo.
- Mndandanda wa mabungwe azandalama, ndi boma
- Mgwirizano Wanyumba Wopeza Ndalama Zochepa (NLIHC) - NLIHC imadzipereka kokha kukwaniritsa mfundo zaboma zomwe zimawonetsetsa kuti anthu omwe amapeza ndalama zochepa ku United States ali ndi nyumba zotsika mtengo komanso zoyenera.
- National Association of Local Housing Finance mabungwe (NALHFA) - Mgwirizano wapadziko lonse wa akatswiri omwe akugwira ntchito yopezera nyumba zotsika mtengo mokomera chitukuko cha anthu mdera lanu. Zopanda phindu zomwe zimayang'ana kwambiri pakulimbikitsa anthu komanso kupereka maukadaulo kwa mabungwe amatauni ndi maboma, mabungwe osachita phindu, komanso mabizinesi wamba.
- National Association of Builders Home (NAHB) - Chitaganya cha mabungwe opitilira 700 a maboma ndi akumaloko, NAHB ikuyimira mamembala opitilira 140,000 ndipo ndiye liwu la makampani aku America ogulitsa nyumba. Amagwira ntchito yoonetsetsa kuti nyumba ndizofunika kwambiri padziko lonse lapansi komanso kuti anthu onse aku America ali ndi mwayi wokhala ndi nyumba zotetezeka, zabwino komanso zotsika mtengo, ngakhale atasankha kugula kapena kubwereka.
- Nyumba Yothandizira Nyumba (HAC) - National nonprofit bungwe lomwe limathandiza kumanga nyumba ndi madera akumidzi ku America.
Chidziwitso chomaliza
Kuvutikira kulipira renti kumatha kukhala kowopsa, koma thandizo lilipo. Yambani kulumikizana ndi wothandizila wa Nyumba, lembetsani pulogalamu iliyonse yomwe mungapeze, ndipo pitirizani kufunafuna mapulogalamu ang'onoang'ono, omwe sadziwika bwino omwe mwina simunaphonye. Kumbukirani, zinthu izi zimatenga nthawi - mapulogalamu ambiri amakhala ndi ofunsira ambiri kuposa omwe ali ndi ndalama, ndipo mindandanda yakudikirira siachilendo.
Chodzikanira: Iyi ndi nkhani yodziwitsa.
Redargentina sapereka upangiri walamulo kapena walamulo, komanso sanapangidwe kuti azitengedwa ngati upangiri wazamalamulo.
Wowonera / wogwiritsa ntchito tsambali akuyenera kugwiritsa ntchito zomwe zili pamwambazi pokhapokha ngati chitsogozo, ndipo ayenera kulumikizana ndi omwe ali pamwambapa kapena oimira boma la wogwiritsa ntchitoyo kuti adziwe zambiri zamasiku amenewo asanapange chisankho.
Zamkatimu
- Zosankha Zanyumba Zothandizidwa Ndi Federally
- Nyumba zapagulu
- Kuti muyenerere kukhala ndi anthu onse muyenera:
- Nyumba zothandizidwa ndi anthu ena
- Kuti muyenerere kulandira nyumba zothandizidwa, muyenera:
- Lipira ndalama zothandizira
- Thandizo lobwereketsa kumidzi
- Kuti mulembetse pulogalamu ya Rural Rental Assistance, muyenera:
- Zosankha zina
- Ndondomeko Zothandizidwa ndi Federal Momwe Mungalembetsere
- Zogulitsa Nyumba Zogulitsa Maboma
- Chidziwitso chomaliza