Dzimba dzine mari shoma . Kana kubhadhara renji yako mwedzi wega wega kunoreva kurova pasi pekodhi rako rekutarisa, hausi wega. Zvinoenderana neCent for Housing Policy, dzimba nedzimba dzekufambisa zvakwira nezvikamu makumi mana nezvitatu kubva muzana kubvira 2000, nepo mari yemhuri yakangokwira 25% chete .
Nhasi, dzimba dzinowana zvine mwero dzinoshandisa zvakapfuura 59% yemari yako yepagore pane dzimba nekutakura , kupfuura nakare kose. Tichifunga izvi, hazvishamise kuti, maererano neCentre for Budget and Policy Priorities, dzimba dzinopfuura mamirioni 4.9 dzemuAmerica dzinowana imwe nzira federal rubatsiro .
Kunyangwe hazvo hurumende yakapihwa mari yerendi isiriyo yega sarudzo yauinayo, inogona kuve yakavimbika kwazvo kana uchikodzera. Kutora matanho ekutanga kunyorera rubatsiro rwemubatanidzwa kunogona kutyisa, asi nekutsvagisa kwakanaka, zviri nyore kupfuura zvaungafunge.
Federally Inobhadharwa Housing Sarudzo
Dzimba dzeveruzhinji
Dzimba dzinotambira mari shoma . Dzimba dzeveruzhinji rudzi rweimba yekubhadhara inotsigirwa nehurumende yemubatanidzwa. Zvichienderana nekwaunogara, inogona kunge iri furati, nhevedzano yedzimba dzimba, kana boka redzimba dzevamwe. Munharaunda yangu, dzimba dzeveruzhinji dzinowanzo shanu kana kupfuura dzimba dzemafurati dzakasunganidzwa munzvimbo, ingangoita saizi yeguta. Idzi nzvimbo dzinowanzo vharwa uye dzinogona kuve nemapaki madiki, madziva ekushambira uye dzimwe nzvimbo dzegirini.
Zvivakwa zverudzi urwu zvinotsigirwa neUnited States Dhipatimendi reZimba uye Kuvandudza Kwemaguta ( GANDA ) , asi dzinotarisirwa nevakuru vedzimba dzenzvimbo. Kufamba uchienda kune dzimba dzeveruzhinji kwakafanana nekuhaya kune wega muridzi wemba: Unofanirwa kuzadzisa zviremera zveimba uye kusaina reisi. Asi kusiyana nekuhaya kubva kune wega muridzi wemba, masimba edzimba anobatsira kuona kuti unobhadhara zvakadii rendi: ingangoita $ 25 kana yakanyanya 30% yemari yako yemwedzi, pamitemo yeHUD .
Kuti uwane pekugara paruzhinji unofanirwa:
- Sangana nemipimo yemari yepasi mudunhu rako
- Iva mugari weU.S. kana unokwanisa chinzvimbo chekutamira
- Ipa zvirevo
- Darika cheki yekumashure
- Sangana neanodzora mvumo mumunhu
Sekureva kweDhipatimendi reZimba uye Kuvandudza Kwemaguta, 1,2 mamirioni edzimba parizvino vanogara mudzimba dzeveruzhinji. Dzimba dzevoruzhinji dzimba dzine shoma nzvimbo, uye iwe unogona kumirira mwedzi yakati wandei (kana kunyangwe makore mune dzimwe nzvimbo) isati yovhurwa unit munzvimbo yako. Kana pasina kuvhura kana iwe uchinyorera imba, iwe uchaiswa pane yekumirira runyorwa.
Inotsigirwa dzimba dzevamwe dzimba
Kana iwe usingakwanise kumirira dzimba dzinotsigirwa nehurumende, unogona kuenda nenzira yega. Idzi dzimba dzekugara ndedzevaridzi vega uye makambani manejimendi epfuma. Mukutsinhana nechikwereti chemutero, ivo vanofanirwa kupa dzinenge dzimwe dzimba dzavo pamutengo wakadzikira kumhuri dzinowana mari shoma.
Idzi dzimba dzinodaidzwa zvakare kunzi dzakasanganiswa-dzinowana dzimba, nekuti dzimwe mhuri dzinobhadhara yakaderedzwa mwero vamwe vachibhadhara mari yakazara yemusika. Vanotaridzika senge chero hombe furati yakaoma.
Mari yemaroja yaunofanirwa kubhadhara inoenderana nezvinhu zvinoverengeka. Vamwe varidzi vemba vanopa yakaderedzwa mari yakatarwa kune chero munhu anokodzera, nepo vamwe varidzi vemba vanovakira rendi pamari yavo yemwedzi. Kazhinji, shoma yaunowana mwedzi wega, iyo shoma rendi iwe yaunofanirwa kubhadhara.
Kuti ukwanise kupihwa dzimba dzekubhadharwa, unofanira:
- Kuwana zvishoma pane yakanyanya pamwedzi mari (izvi zvinosiyana nedzimba dzimba uye nyika)
- Darika cheki yekumashure
- Sangana nezvinodiwa nemuridzi wemba kuti ubhadhare, izvo zvinogona kusanganisira kupfuudza cheki cheki.
- Iwe uchafanirwa kukumbira iyo zvakananga kuburikidza nemuridzi kuti uwane yakaderedzwa rate. Nekudaro, iwe unogona kuwana zvivakwa zviripo munzvimbo yako uchishandisa mashandiro e HUD Yakadzika-Rent Imba Kutsvaga .
Rental kubhadhara rubatsiro
Dzimba dzine mari shoma. Iyo Housing Voucher Chirongwa, inozivikanwawo se Chikamu 8 Icho chakasiyana zvishoma nedzimba dzinotsigirwa. Pasi pechirongwa ichi, unogamuchira vocha iyo yaunogona kushandisa kurojesa kune varidzi vega uye dzimba dzemakambani dzimba. Chirongwa ichi chinokupa rusununguko rwakawanda maererano nekwaunogara. Nekudaro, iyo manejimendi manejimendi kambani inofanirwa kunge iri paImba Yekugara Voucher Chirongwa chakabvumidzwa varidzi vedzimba runyorwa.
Ndiine Chikamu 8 , iwe unobhadhara chikamu cherenti uye vepamunharaunda vezvekugara dzimba vanobhadhara zvimwe. Kazhinji, iyo PHA inogadza voucher mari yekutanga zvichibva pamitengo yazvino yemusika munharaunda mako. Mumiriri anobva atora makumi matatu kubva muzana emari yako yemwedzi kubva pamari yepasi kuti uone rubatsiro rwako rwemwedzi, maererano neHUD. Unogona kusarudza kurenda chivakwa chinodhura iyo mari kana kubvarura imwe inodhura zvakanyanya kana uchikwanisa kuwana mutsauko.
Kufanirwa nePurogiramu yeVhoti Vhezheni kunogona kunetsa. Kuti uite izvi, unofanirwa:
- Sangana nemamiriro ako epasi-emari anodikanwa
- Tsvaga Chikamu 8 Yakatenderwa Imba
- Darika kumashure uye / kana cheki yechikwereti inoitwa nemuridzi
- Ipa zvinongedzo kumuridzi
Kufanana nedzimba dzeveruzhinji, iyo Housing Voucher Chirongwa inogona kuve nenguva refu yekumirira. Iwe unogona kunge uri pane yekumirira runyorwa kwemwedzi yakati wandei (kana pamwe rinopfuura gore) mushure mekunyorera usati watanga kugamuchira rubatsiro.
Rental rubatsiro kumaruwa
Kana iwe uchigara kunharaunda yekumaruwa, iwe unogona kuve unokodzera kune yakasarudzika mhando yedzimba yakazvimiririra dzimba dzakapihwa neUnited States Dhipatimendi Rezvekurima. Pasi pechirongwa ichi, varidzi vedzimba vanogashira chaiwo mutero zvinokurudzira zvekupa zvikamu mumutengo wakadzikira kumhuri dzinowana mari shoma. Kuti ukwanise, rendi yako inodarika makumi matatu kubva muzana emari yakagadziriswa yemhuri yako (mushure mezvikwanisiro), sekureva kwe USDA . Iwe unofanirwa zvakare kurarama kana kuve uchida kuenda kune inotenderwa imba yekurenda.
Kunyorera chirongwa cheRural Rental Rubatsiro, unofanirwa:
- Uchapupu hwekuti chikamu chako chemari chiri kana pazasi peUSDA muganho wemari
- Uchapupu hwekuti rendi yako inodarika makumi matatu muzana yemari yako
- Kupasa zvinodiwa nemuridzi, izvo zvinogona kusanganisira kiredhiti uye / kana kumashure kutarisa
Kusiyana nedzimwe sarudzo dzemubhadharo, iyo Rural Rental Rubatsiro chirongwa chinotungamirwa neUSDA. Kuti ushandise, taura nehofisi yako ye USDA Rural Field Development office. Shandisa iyo USDA Service Locator kuti uwane ruzivo rwekuonana.
Dzimwe sarudzo
Beyond federally inotarisirwa zvirongwa zvekubatsira, iwe ungangoda kuongorora zvirongwa zvinofambiswa nehurumende yako yenyika neaya anotungamirwa nemasangano anoyamura. Semuenzaniso, zvirongwa zvehurumende zvinogona kusanganisira sarudzo dzekurumidziro dzekubatsira. Kana iwe ukazviwana uri mukusungwa uye uri panjodzi yekudzingwa, unogona kukodzera rubatsiro rwenguva imwe chete kuti ikubatsire iwe kupfuura kuburikidza nechisungo. Kana, kana uchinetseka kuita kuti mari yako igare, nyika yako inogona kupa mahara mari manejimendi kuraira.
Mazhinji anobatsira anopawo rubatsiro rwenguva imwe chete rwekurenda. Semuenzaniso, charity inogona kukubatsira iwe kubhadhara chengetedzo dhipoziti kuti utamire mumusha mutsva.
Aya mapurogiramu uye kukodzera kwawo zvinodiwa zvinosiyana nenzvimbo. Nzira iri nyore yekuziva kuti chii chiripo ndeyekutaurirana nehofisi yako yemahofisi edzimba.
Federal Rubatsiro Zvirongwa Maitiro Ekunyorera
Kunyangwe zvirongwa zvizhinji zvichitarisirwa nehurumende yemubatanidzwa, kunyorera uye kugoverwa kwemari kunoitwa padanho rehurumende, uye maitiro ekunyorera nyika anogona kusiyana zvakanyanya. Nepo mamwe matunhu achikubvumidza kunyorera online, mamwe anoda kuti iwe uendese kunyorera nepositi, uye vamwe vanofarira kuti iwe ushanyire hofisi uri munhu.
Kurerutsa maitiro, tanga wabata wako wepanzvimbo pekugara chiremera. Mumiriri ipapo anogona kukuudza iko uye maitiro ekunyorera, pamwe nehurongwa hwehurumende uye hwekupa huripo. Iwe unogona kuwana hofisi munzvimbo yako paHUD's Yemunharaunda Rental Ruzivo webhusaiti.
Usati washandisa, ita shuwa kuti une magwaro anotevera akagadzirira:
- Chitupa chako chekutyaira kana nyika yakaburitsa ID.
- Kopi yechibvumirano chako chekurenda
- Recent pay stubs
- Kopi yeshoko rebhangi razvino
- Nhamba dzekuchengetedzwa kwevanhu munharaunda dzose dzemhuri yako
Dzinodhura Dzimba Dzimba dzeMatunhu
- Sangano reNyika reVanodhura Vanopa Dzimba (NAAHL) - NAAHL chinangwa ndechekuwedzera mukana wezvehupfumi kuburikidza nemari yakazvimiririra yemari yeimba inodhura uye inosanganisa yekumutsiridza nharaunda.
- Dhipatimendi reU.S. reDzimba nedzemaguta (HUD) : Community Development Grants (CDBG), HOME Investment Kubatana (HOME), Housing Trust Fund
- Dhipatimendi reUS reMari - Yakaderera Inowanikwa Imba Imba Mutero Kiredhiti (LIHTC) inogadzira misika inokurudzira kuwana uye kusimudzira, kugadziridza kwedzimba dzinodhura dzimba.
- Rural Housing Service yeUnited States Dhipatimendi Rezvekurima (USDA) - Inopa dzakasiyana siyana zvirongwa zvekuvaka kana kusimudzira dzimba dzakakosha nenzvimbo dzemunharaunda kumaruwa. USDA inopa zvikwereti, zvipo, uye zvikwereti zvezvikwereti kumhuri imwe chete uye yakawanda-yemhuri, dzimba dzekuchengetedza, dzimba dzevashandi vemapurazi, nezvimwe zvakawanda.
- National Council yeHurumende Housing Agency (NCSHA) - Isiri-purofiti, isiri-bato sangano rakagadzirwa nenyika yenyika Housing Finance Agency kuti iratidze uye ishandise yavo yekushambadzira kwekuyedza dzimba dzinodhura.
- Chinyorwa chemasangano emari edzimba, nehurumende
- National Yakaderera-Inowanikwa Humba Mubatanidzwa (NLIHC) - NLIHC yakasarudzika yakazvimirira mukuwana mutemo weveruzhinji unovimbisa kuti vanhu vanotambira mari shoma muUnited States vane dzimba dzinodhura nedzakanaka.
- Sangano reNational Association of Local Housing Finance Agency (NALHFA) - Sangano renyika revanyanzvi vanoshandira kubhadhara dzimba dzinodhura mumamiriro akapamhama ekusimudzira nharaunda padanho remunharaunda. Isingaite purofiti inotarisa pakukurudzira uye inopa rubatsiro rwehunyanzvi kumaguta uye kumatunhu masangano, masangano asingabatsiri, uye mabhizinesi akazvimirira.
- Sangano reNyika reVaki Vemba (NAHB) - Mubatanidzwa wemasangano anodarika mazana manomwe emunharaunda uye emunharaunda, NAHB inomiririra nhengo dzinopfuura zana nemakumi mana uye izwi remaindasitiri edzimba eAmerica. Ivo vanoshanda kuona kuti dzimba ndedzekutanga pasirese uye kuti vanhu vese vekuAmerica vanowana dzimba dzakachengeteka, dzakanaka nedzakachipa, kunyangwe vachisarudza kutenga kana kubvarura.
- Housing Rubatsiro Kanzuru (HAC) - Sangano repasirese risingabatsiri iro rinobatsira kuvaka dzimba nenharaunda mumaruwa eAmerica.
Chinyorwa chekupedzisira
Kutamburira kubhadhara rendi kunogona kutyisa, asi rubatsiro rwuripo. Kutanga nekutaura neAgent Hofisi mumiririri, kunyorera chero chirongwa chinowanikwa kwauri, uye ramba uchitsvaga zvidiki, zvishoma-zvinozivikanwa zvirongwa zvekubatsira iwe zvaungave wakarasikirwa. Rangarira kuti izvi zvinhu zvinotora nguva - mazhinji mapurogiramu ane vakawanda vanonyorera kupfuura ivo vane mari, uye zvinyorwa zvekumirira hazvishamise.
Disiki: Ichi chinyorwa chine ruzivo.
Redargentina haipe wezano repamutemo kana repamutemo, uye haina kuitirwa kutorwa sezano repamutemo.
Muoni / mushandisi weiri peji rewebhu anofanirwa kushandisa ruzivo rwuri pamusoro chete segwara, uye anofanira kugara achibata masosi ari pamusoro kana vamiriri vehurumende yemushandisi neruzivo rwepamusoro-soro panguva iyoyo, vasati vaita sarudzo.
Zviri Mukati
- Federally Inobhadharwa Housing Sarudzo
- Dzimba dzeveruzhinji
- Kuti uwane pekugara paruzhinji unofanirwa:
- Inotsigirwa dzimba dzevamwe dzimba
- Kuti ukwanise kupihwa dzimba dzekubhadharwa, unofanira:
- Rental kubhadhara rubatsiro
- Rental rubatsiro kumaruwa
- Kunyorera chirongwa cheRural Rental Rubatsiro, unofanirwa:
- Dzimwe sarudzo
- Federal Rubatsiro Zvirongwa Maitiro Ekunyorera
- Dzinodhura Dzimba Dzimba dzeMatunhu
- Chinyorwa chekupedzisira