Izibonelelo zezindlu zasimahla ezilungiselelwe ngokungqongqo ukuhambelana neemfuno zoomama abangenamaqabane azikho ngokubanzi kwinqanaba likazwelonke. Iinkqubo zoncedo lwezindlu ezinikezelwa ngurhulumente wase-U.S. Zihlala ziwela kummandla woncedo kubathengi bamakhaya okokuqala ngqa, abathengi abanengeniso ephantsi kunye nabathengi bamakhaya basemaphandleni. Oomama abangatshatanga abawela kulo naluphi na udidi banokukwazi ukufumana uncedo xa bethenga ikhaya.
Fumana iMali mboleko yenkxaso mali kunye noNcedo lwezeZindlu koomama abangatshatanga
Uninzi lweenkqubo ezikhoyo zoomama abangatshatanga ayizizo izibonelelo ngokuthe ngqo, kodwa endaweni yoko yimali mboleko ekhethekileyo okanye inkxaso-mali. Iindidi ezininzi zoncedo yimali mboleko enenzala ephantsi, ihlala inemiqathango ekhethekileyo, enjengokuxolelwa ukuba uhlala ekhaya inani elithile leminyaka, okanye akunakufuneka babuyiselwe iminyaka emininzi. Nangona kunjalo, uncedo lubalulekile kwaye luyinyani.
Amanqaku afanelekileyo- Uncedo loomama abangatshatanga ukuthenga indlu
- Umama ongatshatanga kwiMali mboleko
- Izibonelelo zokuthenga ekhaya
I-USDA yeZindlu zoSapho eziNye
ISebe lezoLimo laseMelika libonelela ngemboleko ngqo kumakhaya aphantsi naphantsi kakhulu kwiindawo ezisemaphandleni. Inqanaba lenzala lisekwe kwingeniso yomboleki. Ezi mboleko zoncediso ziyafumaneka:
indlela yokufumana amabala eblitshi ezingubeni
- Abantu abangenazindlu zaneleyo.
- Abantu abangakwaziyo ukufumana ikhredithi kwenye indawo.
- Abantu abakwaziyo ukwenza intlawulo yokubambisa.
- Abantu abanembali entle yamatyala.
Funda ngakumbi malunga nokuba ungafaneleka njani kwi I-USDA yeNgeniso kunye nePropati yokuLungela indawo .
Iinkqubo ze-USDA
Nazi iinkcazo ezimbalwa zezinye iinkqubo ze-USDA ezikhoyo:
Imali-mboleko ngqo yeZindlu zasemaPhandleni
Ixhaswe ngokuthe ngqo ngurhulumente, le yi-100% yemali mboleko yezemali. Imali mboleko inokubandakanya indawo yokuhlala, indawo, ulwakhiwo okanye ukuthenga indawo yokuhlala esandula ukwakhiwa kwindawo esemaphandleni. Ikhaya elichaphazelekayo kufuneka libekwe kwindawo esemaphandleni evunyiweyo. Iimali zingasetyenziselwa ukulungisa, ukulungisa okanye nokufudusa ikhaya, kunye nokubonelela ngamanzi kunye nogutyulo lwelindle.
amagama eikati ezimnyama nezimhlophe
Imigaqo ifike kwiminyaka engama-33, okanye engama-38 kwabo banemivuzo ephantsi kakhulu. Inkxaso yoncedo lwentlawulo iyafumaneka kwabo bangenako ukuhlawula iintlawulo eziqhelekileyo. Umenzi-sicelo kufuneka abenengeniso ephantsi okanye ephantsi kakhulu; isezantsi ngama-50 ukuya kuma-80 eepesenti yengeniso yendawo ephakathi (AMI) ngelixa iphantsi kakhulu ingaphantsi kwama-50 epesenti ye-AMI. Umenzi-sicelo kufuneka angabinakho ukufumana ikhredithi kwenye indawo kodwa 'abe nembali efanelekileyo yamatyala.' Esi ayisosibonelelo esingqalileyo, nangona inkxaso-mali ekhoyo ingafuneki ukuba ihlawulwe kwaye ke ngoko luhlobo lwesibonelelo. Ungandwendwela ingeniso ye-USDA kunye nendawo efanelekileyo yokufumana iipropathi ukuqinisekisa ukuba umvuzo wakho uyifanele le nkqubo.
Inkqubo eQinisekisiweyo yeMali-mboleko kunye neMali mboleko yokuLungisa iKhaya
Inkqubo ye- I-USDA iqinisekisile ngemali mboleko yezindlu iya kuba lukhetho olufanelekileyo ukuba ungumama ongatshatanga oswele indlu efanelekileyo, kodwa okwazi ukwenza intlawulo yemali mboleko kunye neendleko zerhafu kunye neinshurensi. I-USDA ikwafuna ukuba ube nengeniso ezinzileyo ukongeza ekubeni nokufumana amanqaku okuthenga ngetyala. Uya kucelwa ukuba ugcwalise Ifom RD 1910-5 (Isicelo sokuQinisekiswa kweNgqesho) xa ufaka isicelo solu hlobo oluthile loncedo lwezindlu nge Umbolekisi ovunyiweyo we-USDA .
Inkqubo yemali mboleko yokulungisa kunye nenkxaso-mali ibonelela ngezibonelelo okanye iimali mboleko zabantu abanemivuzo ephantsi kakhulu ukulungisa nokulungisa iindawo zabo zokuhlala. Ngelixa iigranti zokulungisa zifikeleleka kuphela kwimibutho, unokufikelela ngokukodwa kwimali mboleko yokulungisa evela kubabolekisi abavunyiweyo kwilizwe lakho. Indawo yokuhlala kufuneka ihambelane neekhrayitheriya ezifanelekileyo ze-USDA.
Inkqubo yokuziNceda
Le nkqubo ivumela umninikhaya ukuba akhe 'ubilo ngokulingana' ngokuncedisa ekwakheni amanye amakhaya abantu kunye nawabo, endaweni yokuhlawulela imali encinci kwikhaya lakhe. Amaqela abathathi-nxaxheba ayakhana amakhaya abo kwaye akukho mntu ungenayo de kugqitywe indlu yokugqibela. Inkqubo ye- Inkqubo yoLuntu yokuziNceda inokukuvumela ukuba wonge imali engange-50 yepesenti okanye nangaphezulu kumaxabiso asekhaya aqhelekileyo. I-USDA ikwabonelela ngezibonelelo zoncedo lobuchwephesha ezincedisayo ngenkqubo evumela abaninimzi ukuba basebenze kumakhaya abo.
Uyenza njani isiraphu elula yemojitos
Iinkqubo ze-HUD
I-HUD ibonelela ngeenkqubo ezahlukeneyo zokunceda abantu abadala, abakhubazekileyo kunye nabarhola imivuzo ephantsi ukuba bafumane ubunini bamakhaya, okanye baqeshise izibonelelo zezindlu ezifanelekileyo.
Inkqubo yeeVawutsha zoKhetho lweZindlu
Kulawulwa liSebe laseMelika lezeZindlu noPhuhliso lweeDolophu (HUD), injongo yale nkqubo kukunceda iintsapho ezinengeniso ephantsi, abantu abadala kunye nabakhubazekileyo ngokuhlawula izindlu ezifanelekileyo, ezikhuselekileyo nezicocekileyo kwimakethi yabucala. Umntu ngamnye ubeka ikhaya kwaye urhulumente unikezela ngeivawutsha kumnini-mhlaba ukuba ahlawule. Funda nzulu ngale nkqubo .
Inkqubo yevawutsha yobuninimzi
Oku Inkqubo yenzelwe abantu abafumana imivuzo ephantsi kakhulu kunye nabanye, kubandakanya oomama abangenamaqabane. Nje ukuba ubhalise kwinkqubo yokuqeshisa ngeeVawutsha zeZindlu, unokufaka isicelo kwinkqubo yobunini makhaya. Ngale nkqubo, irente zinokutshintsha iivawutsha ebezifumana kwiivawutsha zobunini-khaya. Ngaphantsi kwale nkqubo, abathengi abanemivuzo ephantsi nabaphantsi kakhulu banethuba lokuthenga izindlu zoluntu kunye nophuhliso, babe ngabanini-mhlaba ngokufanelekileyo.
Inkqubo yeHUD yoLuntu
Oomama abangatshatanga abafumana umvuzo ophantsi abafuna izindlu ezikhuselekileyo nezifanelekileyo zokurenta banokuzama Inkqubo yeHUD yoLuntu . Le nkqubo ibonelela ngezindlu eziqeshisayo ezinobungakanani obahlukeneyo kunye neentlobo ezifanelekileyo zonke iintlobo zeemfuno zosapho ezinjengezindlu zosapho olunye kunye nezindlu zeentsapho ezindala.
Inqaku leNgeniso
Ngokukodwa, imali mboleko exhaswa ngemali kunye noncedo lwezindlu koomama abangatshatanga aluthintelwanga kwaphela kwabo bafumana umvuzo ophantsi. Kukho iinkqubo ezahlukeneyo zoncedo lwezindlu ezenzelwe abathengi bokuqala abangachazwanga njengabafumana umvuzo ophantsi kakhulu. Ezi nkqubo ziza ngokukodwa xa ungumthengi wokuqala wekhaya ongenamlando wekhredithi okanye ongenakho ukuhlawula imali ekujoliswe kuyo kwimpahla yakho yokuhlala. Imali mboleko yezindlu eqinisekisiweyo ye-USDA ngomnye umzekelo. Ezinye iinkqubo zibandakanya iiarhente zezeMali yezeZindlu (HFA) Ukwabelana ngomngcipheko kunye neRhafu yokuBolekisa ngeMali mboleko.
Iiarhente zezeMali yeZindlu (HFA) Ukwabelana ngomngcipheko
Inkqubo ye- Iiarhente zezeMali yeZindlu (HFA) Ukwabelana ngomngcipheko yinkqubo yokubolekwa exhaswa yi-HUD apho oomama abangatshatanga, nokuba bathini na ngokwengeniso yabo, banokufikelela kwinkxaso mali yezindlu ezininzi ezixhomekeke kwimali mboleko ebhalwe phantsi kwaye iqhutywa yi-HFA. Le nkqubo, nangona kunjalo, inyanzelisa iikhrayitheriya ezithile zokufumana uncedo. Umzekelo, kuya kufuneka sele uthengile okanye uceba ukuthenga isakhiwo esineeununits ngeenjongo zokurenta kwaye ubonise isidingo soncedo kwimiba ephathelene nobunini bepropathi okanye umhlaba.
iyaphi imali yomkhosi wosindiso
Ireyithi ehlengahlengisiweyo ye-Inshurensi yokuBambisa
Inkqubo ye- Inkqubo ye-Inshurensi yokuBambisa iRhafu ilawulwa yi-HUD kwaye yenzelwe ukunceda abantu ukuba bathenge ikhaya elinye losapho kwindawo yokuhlala yokuqala. Nangona kunjalo, awunakho ukufikelela kwimali mboleko ethe ngqo ngale nkqubo. Ufumana ukufikelela kwimali mboleko exhaswa ngemali yi-FHA-i-inshurensi evunyiweyo.
Uncedo olongezelelekileyo loomama abangatshatanga
Kukho iindlela ezininzi zokunceda oomama abangatshatanga ukuba bafumane izindlu ezifikelelekayo. Unokujonga kulo naluphi na uncedo olunokufumaneka kwilizwe lakho. Iinkxaso-mali Zophuhliso Loluntu Ekuhlaleni zinikezelwa minyaka le kurhulumente nakumaqumrhu asekuhlaleni. Ezi mali zibekelwe ukubonelelwa ngezindlu ezikhuselekileyo, ezifikelelekayo kubahlali kwaye kufuneka zinikezelwe ngurhulumente okanye ngumbutho wasekhaya kubafakizicelo. Abafakizicelo babandakanya oomama abangatshatanga, abantu, abanini khaya kunye nabaphuhlisi. Nxibelelana nelizwe lakho kunye noorhulumente basekhaya ukuze ufumane okungakumbi malunga nezi zibonelelo.
