Zithini iivawutsha zokukhetha izindlu?
Iphepha leNgcaciso leeVawutsha zokuKhetha izindlu
https://www.hud.gov/topics/housing_choice_voucher_program_section_8
I-Ofisi yeeVawutsha zokuKhetha iZindlu | I-HUD.gov / iSebe leZindlu lase-US kunye noPhuhliso lweDolophu (HUD)
UKUPHATHWA UQHAGAMSHELWANO Abasebenzi, iGcisa leNkqubo yeNkxaso-mali yokuRenta, x213 INDLELA YOKUZIPHATHA Umnxeba
Ndingasifaka isicelo? Inkqubo yevawutsha yokukhetha izindlu yeyona nkqubo iphambili kurhulumente yokunceda iintsapho ezinengeniso ephantsi kakhulu, abantu abadala, kunye nabakhubazekileyo ukuba bakwazi ukufumana izindlu ezifanelekileyo, ezikhuselekileyo nezicocekileyo kwimarike yabucala. Kuba uncedo lwezindlu lubonelelwa egameni losapho okanye lomntu ngamnye, abathathi-nxaxheba bayakwazi ukufumana izindlu zabo, kubandakanya amakhaya osapho olunye, izindlu zedolophu kunye namagumbi.
Umthathi-nxaxheba ukhululekile ukuba akhethe naziphi na izindlu ezihlangabezana neemfuno zenkqubo kwaye azipheleli kumacandelo abekwe kwiiprojekthi zezindlu ezixhaswayo.
Iivawutsha zokukhetha izindlu zilawulwa ekuhlaleni ziarhente zezindlu zikarhulumente. Ii-PHAs zifumana inkxaso-mali evela kwiSebe lezeZindlu e-US kunye noPhuhliso lweedolophu (i-HUD) ukulawula inkqubo yevawutsha.
Usapho olunikezwe ivawutsha yezindlu linoxanduva lokufumana indawo efanelekileyo yokukhetha usapho apho umnini evuma ukurenta phantsi kwenkqubo. Eli candelo linokubandakanya indawo yokuhlala yosapho ngoku. Iiyunithi eziqeshisayo mazifezekise imigangatho esezantsi yezempilo nokhuseleko, njengoko kumiselwe yiPHA.
Inkxaso mali yendlu ihlawulelwa kumnini-ndawo ngqo yiPHA egameni losapho oluthatha inxaxheba. Usapho luhlawula umahluko phakathi kwerente eyihlawulisiweyo ngumnini-ndawo kunye nesixa-mali esabelwe yinkqubo. Phantsi kweemeko ezithile, ukuba igunyaziswe yi-PHA, usapho lunokusebenzisa ivawutsha yayo ukuthenga indlu efanelekileyo.
Ngaba ndivumelekile?
Ukulungela ivawutsha yezindlu kumiselwa yi-PHA ngokusekwe kumvuzo opheleleyo wonyaka kunye nobungakanani bosapho kwaye kuthintelwe kubemi base-US kunye neendidi ezichaziweyo zabangengobemi abanesimo sokungena ngokufanelekileyo. Ngokubanzi, umvuzo wosapho awunakugqitha kwi-50% yengeniso ye-median yommandla okanye indawo yedolophu apho usapho lukhetha ukuhlala khona Ngokomthetho, iPHA kufuneka inikezele ngeepesenti ezingama-75 zevawutsha yayo kubafaki-zicelo abanengeniso engagqithiyo kwiipesenti ezingama-30 zengeniso yendawo ephakathi. Amanqanaba okufumana umvuzo apapashwa yi-HUD kwaye ayahluka ngokwendawo. I-PHA ekhonza uluntu lwakho inokubonelela ngemida yengeniso yendawo yakho kunye nobungakanani bosapho.
Ngexesha lenkqubo yokwenza isicelo, i-PHA iya kuqokelela ulwazi ngengeniso yosapho, ii-asethi kunye nokwakhiwa kosapho. I-PHA iya kuqinisekisa le ngcaciso kunye nezinye iiarhente zasekuhlaleni, umqeshi wakho kunye neebhanki, kwaye ziya kusebenzisa ulwazi ukumisela ukufaneleka kwenkqubo kunye nenani lentlawulo loncedo lwezindlu.
Ukuba i-PHA igqiba ukuba usapho lwakho lufanelekile, i-PHA iya kubeka igama lakho kuluhlu lokulinda, ngaphandle kokuba inokukunceda kwangoko. Nje ukuba igama lakho lifikelele kuluhlu lokulinda, i-PHA iya kuqhakamshelana nawe ikunike ivawutsha yezindlu.
Ukhetho lwasekhaya kunye noluhlu lokulinda - ziyintoni kwaye zindichaphazela njani?
Kuba imfuno yoncedo lwezindlu ihlala igqithile kwezibonelelo ezinqongopheleyo ezifumanekayo kwi-HUD kunye neearhente zezindlu zalapha ekhaya, ixesha elide lokulinda liqhelekile. Ngapha koko, i-PHA ingavala uluhlu lwayo lokulinda xa inosapho oluninzi kuluhlu kunokuba lunokuncedwa kungekudala.
Ii-PHAs zinokuseka ukhetho lwendawo apho ukhetha abenzi bezicelo kuluhlu lwabalindileyo. Umzekelo, ii-PHAs zinokunika ukhetho kwintsapho (1) yabantu abadala / abakhubazekileyo, (2) usapho olusebenzayo, okanye (3) ngokuhlala okanye osebenza kulawulo, ukubiza nje abambalwa. Iintsapho ezikufanelekelayo ukwenza oko kukhetho lwasekhaya ziqhubela phambili kwezinye iintsapho kuluhlu ezingakulungelanga ukukhetha. I-PHA nganye inengqiqo yokuseka ukhetho lwasekhaya lokubonisa iimfuno zezindlu kunye nezinto eziphambili ngokubaluleka kuluntu lwayo.
Iivawutsha zezindlu - zisebenza njani?
Inkqubo yevawutsha yokukhetha izindlu ibeka ukhetho lwezindlu ezandleni zentsapho nganye. Intsapho enemivuzo ephantsi ikhethwe yi-PHA ukuba ithathe inxaxheba iyakhuthazwa ukuba ithathele ingqalelo ukhetho olwenziwayo ngezindlu ukuze ikhuseleke ezona zindlu zilungele iimfuno zosapho. Umgcini wevawutsha uyacetyiswa ngobungakanani bayo iyunithi efanelekileyo ngokusekwe kubukhulu bosapho nakwimo yayo.
Icandelo lezindlu elikhethwe lusapho kufuneka lihlangane kwinqanaba elamkelekileyo lezempilo nokhuseleko ngaphambi kokuba i-PHA ivume iyunithi. Xa umnini-vawutsha efumana iyunithi anqwenela ukuhlala kuyo kwaye afikelele kwisivumelwano nomnini-ndawo phantsi kwemihlaba yokuqeshisa, i-PHA kufuneka ihlole indawo yokuhlala kwaye igqibe ukuba irente iceliwe.
I-PHA ibeka umgangatho wokuhlawula oyimali efunekayo ngokubanzi ukuqesha indawo yokuhlala enexabiso elincinci kwimarike yendawo yokuhlala kwaye esetyenziselwa ukubala inani loncedo lwezindlu oluya kufunyanwa lusapho. Nangona kunjalo umgangatho wokuhlawula awumiseli kwaye awuchaphazeli isixa serente umntu angahlawulisa okanye usenokuhlawula usapho. Intsapho efumana ivawutsha yezindlu inokukhetha iyunithi enrente ngezantsi okanye ngaphezulu komgangatho wokuhlawula. Intsapho yeevawutsha yokuhlala kufuneka ihlawule iipesenti ezingama-30 zengeniso yayo ehlengahlengisiweyo yenyanga yokurenta kunye nezinto ezisetyenziswayo, kwaye ukuba iyunithi yerenti ingaphezulu komgangatho wentlawulo usapho kufuneka ubhatale imali eyongezelelweyo. Ngokomthetho, ngalo lonke ixesha xa usapho lufudukela kwindawo entsha apho irente idlula khona imali yokuhlawula, usapho alunakuhlawula ngaphezulu kweepesenti ezingama-40 zengeniso yayo yarhoqo ngenyanga yokurenta.
Iindima - umqeshi, umnini-mhlaba, iarhente yezindlu kunye ne-HUD
Nje ukuba i-PHA ivume icandelo lezindlu elifanelekileyo losapho, usapho kunye nomnini-mhlaba batyikitya isivumelwano soqeshiso kwaye, kwangaxeshanye, umnini-mhlaba kunye ne-PHA batyikitya ikhontrakthi yokuhlawulwa koncedo lwezindlu eqhuba ixesha elifanayo nesiqeshiso. Oku kuthetha ukuba wonke umntu-umqeshi, umnini-ndawo kunye ne-PHA-banezibophelelo noxanduva phantsi kwenkqubo yevawutsha.
Izibophelelo zoMqeshi: Xa usapho lukhetha iyunithi yezindlu, kwaye i-PHA iyayivuma iyunithi kunye nengqeshiso, usapho lusayina isivumelwano soqeshiso nomnini-mhlaba unyaka omnye ubuncinci. Umqeshi unokucelwa ukuba ahlawule idipozithi yokhuseleko kumnini-mhlaba. Emva konyaka wokuqala umnini-mhlaba angaqalisa ukuqeshisa okutsha okanye avumele usapho ukuba luhlale kwiyunithi ngengqeshiso yenyanga nenyanga.
Xa usapho luzinze kwikhaya elitsha, kulindeleke ukuba usapho luhambisane nokuqeshiswa kunye neemfuno zenkqubo, lihlawule isabelo salo serenti ngexesha, ligcine iyunithi ikwimo elungileyo kwaye lazise i-PHA ngalo naluphi na utshintsho lwengeniso okanye ukwakhiwa kosapho. .
Uxanduva loMnini-mhlaba: Indima yomnini-mhlaba kwinkqubo yevawutsha kukubonelela ngendlu esemgangathweni, ekhuselekileyo nenempilo kumqeshi kwirenti efanelekileyo. Icandelo lokuhlala kufuneka liphumelele imigangatho yenkqubo yezindlu kwaye igcinwe ikwimigangatho lo gama nje umniniyo efumana iintlawulo zoncedo lwezindlu. Ukongeza, umnini-mhlaba kulindeleke ukuba abonelele ngeenkonzo ekuvunyelwene ngazo njengenxalenye yesivumelwano esisayinwe nomqeshi kunye nekhontrakthi esayinwe ne-PHA.
Uxanduva lweGunya lezeZindlu: IPHA ilawula inkqubo yevawutsha apha ekhaya. I-PHA ibonelela usapho ngoncedo lwezindlu olwenza ukuba usapho lufune izindlu ezifanelekileyo kwaye i-PHA ingena kwisivumelwano nomnini-mhlaba ukuba abonelele ngenkxaso yezindlu egameni losapho. Ukuba umnini-mhlaba uyasilela ekufezekiseni uxanduva lomnini phantsi kwesivumelwano, i-PHA inelungelo lokuyekisa iintlawulo zoncedo. I-PHA kufuneka iphinde ihlolisise ingeniso yosapho kunye nokwakheka kwayo ubuncinci ngonyaka kwaye kufuneka ihlolisise iyunithi nganye ubuncinci ngonyaka ukuqinisekisa ukuba iyahlangabezana nemigangatho esemgangathweni yezindlu.
Indima ye-HUD: Ukuhlawula iindleko zenkqubo, i-HUD ibonelela ngemali yokuvumela ii-PHAs ukuba zenze intlawulo yezindlu egameni leentsapho. I-HUD ikwahlawula i-PHA umrhumo weendleko zolawulo lwenkqubo. Xa imali eyongezelelweyo ifumaneka ukunceda iintsapho ezintsha, i-HUD imema ii-PHAs ukuba zingenise izicelo zoncedo-mali lweevawutsha zezindlu. Izicelo ke ziphononongwa kwaye iimali zinikezelwa kwii-PHA ezikhethiweyo ngokhuphiswano. I-HUD ibeka iliso kulawulo lwe-PHA lwenkqubo ukuqinisekisa ukuba imigaqo yenkqubo ilandelwa ngokufanelekileyo.