Isigaba 8

Zithini izaphulelo zezindlu ezikhethiwe?

Iphepha Leqiniso Lamavawusha Ezezindlu

https://www.hud.gov/topics/housing_choice_voucher_program_section_8

Ihhovisi Lokukhetha Kwezindlu Amavawusha | I-HUD.gov / Umnyango Wezezindlu Nokuthuthukiswa Kwamadolobha wase-US (HUD)

UKUPHATHWA CONTACT Abasebenzi, Uchwepheshe Wohlelo Lomxhaso Wokuqasha x213 UKUXHUMANA NOKUXHUMANA

NGINGAfaka isicelo? Uhlelo lwevawusha lokukhetha izindlu luhlelo olukhulu lukahulumeni wobumbano lokusiza imindeni engenayo imali ephansi kakhulu, asebekhulile, nabakhubazekile ukuthi bakwazi ukukhokhela izindlu ezisezingeni elifanele, eziphephile nezingahlanzekile ezimakethe ezizimele. Njengoba usizo lwezindlu luhlinzekelwa umndeni noma umuntu ngamunye, ababambiqhaza bayakwazi ukuthola izindlu zabo, kufaka phakathi amakhaya omndeni owodwa, izindlu zedolobha nezindawo zokuhlala.

Umhlanganyeli ukhululekile ukukhetha noma yiziphi izindlu ezihlangabezana nezidingo zohlelo futhi azikhawulelwe kumayunithi akhiwe kumaphrojekthi wezindlu oxhaswe ngemali.

Amavawusha wokukhetha izindlu aphathwa endawo ngabenzeli bezindlu zomphakathi (ama-PHAs). Ama-PHAs athola imali ebumbene eMnyangweni Wezindlu kanye Nezokuthuthukiswa Kwamadolobha wase-US ukuphatha uhlelo lwe-voucher.

Umndeni onikezwe ivawusha yezindlu unesibopho sokuthola indawo efanelekayo yokukhetha umndeni lapho umnikazi evuma ukuqasha ngaphansi kohlelo. Lolu phiko lungafaka indawo yokuhlala yomndeni njengamanje. Amayunithi wokuqasha kumele ahlangabezane namazinga aphansi ezempilo nokuphepha, njengoba kunqunywe yi-PHA.

Umxhaso wezezindlu ukhokhwa kubanini bomhlaba ngqo yi-PHA egameni lomndeni obambe iqhaza. Umndeni ubese ukhokha umehluko phakathi kwerenti yangempela ekhokhiswa ngumnini-ndawo kanye nenani elixhaswe yilolu hlelo. Ngaphansi kwezimo ezithile, uma kugunyazwe i-PHA, umndeni ungasebenzisa ivawusha lakhe ukuthenga ikhaya elinesizotha.

Ngiyafaneleka?

Ukufaneleka kwevawusha yezindlu kunqunywa yi-PHA ngokuya ngenani lemali engenayo yonyaka yonke nosayizi womndeni futhi kukhawulelwe kuzakhamizi zase-US kanye nemikhakha ebekiwe yabangezona izakhamizi ezinesimo sokungena ezweni. Ngokuvamile, imali engenayo yomndeni ingahle yeqe ama-50% wemali engenayo yesifunda noma yedolobha elikhulu lapho umndeni ukhetha ukuhlala khona. Ngokomthetho, i-PHA kufanele inikeze ngamaphesenti angama-75 ivawusha yayo kubafakizicelo abathola imali yabo ingadluli amaphesenti angama-30 omholo omaphakathi wendawo. Izinga lemali engenayo laseMedian lishicilelwa yi-HUD futhi liyahluka ngendawo. I-PHA esebenzela umphakathi wakho ingakunika imingcele yemali engenayo yendawo yakho nosayizi womndeni wakho.

Ngesikhathi senqubo yokufaka isicelo, i-PHA izoqoqa imininingwane engenayo yomndeni, amafa, nokwakheka komndeni. I-PHA izoqinisekisa lolu lwazi nezinye izinhlaka zasendaweni, umqashi wakho kanye nebhange, futhi izosebenzisa lolu lwazi ukunquma ukulungela kohlelo nenani lokukhokhwa kosizo lwezindlu.

Uma i-PHA inquma ukuthi umndeni wakho uyafaneleka, i-PHA izofaka igama lakho ohlwini lokulinda, ngaphandle kokuthi ikwazi ukukusiza ngokushesha. Lapho igama lakho selifinyelelwe ohlwini lokulinda, i-PHA izokuxhumana futhi ikunikeze ivawusha yezindlu.

Izintandokazi zendawo nohlu lokulinda - ziyini futhi zingithinta kanjani?

Njengoba isidingo sosizo lwezindlu zivame ukwedlula izinsiza ezilinganiselwe ezitholakala ku-HUD nezinhlangano zezindlu zendawo, isikhathi eside sokulinda sivamile. Eqinisweni, i-PHA ingavala uhlu lwayo lokulinda lapho inemindeni eminingi ohlwini kunokuba isizwe kungekudala.

Ama-PHAs angasungula izintandokazi zasendaweni zokukhetha abafakizicelo ohlwini lwayo lokulinda. Isibonelo, ama-PHAs anganikeza ukukhetha emndenini (1) osekhulile / okhubazekile, (2) umndeni osebenzayo, noma (3) ohlala noma osebenza endaweni ethile, ukumane nje sibala abambalwa. Imindeni efanelekela noma yikuphi ukukhetha kule ndawo kuya phambili kweminye imindeni kuhlu engakufanelekeli ukukhetha. I-PHA ngayinye inokuqonda kokusungula okuthandwa yindawo ukukhombisa izidingo zezindlu nokubekwa kuqala komphakathi wayo.

Amavawusha ezindlu - asebenza kanjani?

Uhlelo lwevawusha lokukhetha izindlu lubeka ukukhetha kwezindlu ezandleni zomndeni ngamunye. Umndeni onemali ephansi ukhethwe yi-PHA ukuthi ubambe iqhaza uyakhuthazeka ukuthi ucabangele izinketho eziningi zezindlu ukuvikela izindlu ezinhle kakhulu zezidingo zomndeni. Umgcini wevawusha wezindlu welulekwa ngosayizi weyunithi ofanelekile kuye ngosayizi womndeni nokwakheka kwawo.

Uphiko lwezindlu olukhethwe ngumndeni kumele lufinyelele ezingeni elamukelekayo lezempilo nokuphepha ngaphambi kokuba i-PHA ivume uphiko. Lapho umnikazi wevawusha ethola iyunithi efisa ukuhlala futhi ifinyelele esivumelwaneni nomqeshisi wezezindlu ngemigomo yokuqashisa, i-PHA kufanele ihlole indawo yokuhlala futhi inqume ukuthi irenti eceliwe inengqondo.

I-PHA inquma isilinganiso sokukhokha esiyimali edingekayo ngokuvamile ukuqasha indawo yokuhlala enenani eliphansi emakethe yezindlu yendawo futhi esetshenziselwa ukubala inani losizo lwezindlu umndeni elizoluthola. Noma kunjalo izinga lokukhokha alilinganiseli futhi alithinti inani lerenti umnikazi wendawo angayikhokhisa noma umndeni ungakhokha. Umndeni othola ivawusha yezindlu ungakhetha iyunithi elinentela elingaphansi noma ngaphezulu kweleveli yokukhokha. Umndeni wevawusha wezindlu kufanele ukhokhe ama-30% wemali engenayo eyenziwe yaqashwa nyangazonke yerenti nezinto ezisetshenziswayo, futhi uma imali yerenti inkulu kakhulu kunaleyo yokukhokha umndeni uyacelwa ukuthi ukhokhe enye imali eyengeziwe. Ngokomthetho, noma nini lapho umndeni uthutha uye kuyunithi entsha lapho irenti idlula isilinganiso sokukhokha, umndeni ungeke ukhokhe ngaphezulu kwamaphesenti angama-40 omholo wawo wenyanga oqashiwe werenti.

Izindima - umqashi, umninindlu, inkampani yezindlu kanye ne-HUD

Uma i-PHA isivume uphiko olufanele lwezindlu zomndeni, umndeni nomninikhaya basayina isivumelwano sokuqasha futhi, ngasikhathi sinye, umninindlu ne-PHA basayina inkontileka yezinkokhelo zosizo lwezindlu esebenza ngesikhathi esifanayo nesiqashiso. Lokhu kusho ukuthi wonke umuntu - umqashi, umninindlu ne-PHA - unezibopho nezibopho ngaphansi kohlelo lwamavawusha.

Izibopho Zabaqashi: Uma umndeni ukhetha indawo yokuhlala, futhi i-PHA ivuma leyo yunithi nokuqasha, umndeni usayina isivumelwano sokuqasha nomnikazi wendawo okungenani unyaka owodwa. Umqashi kungadingeka akhokhe idiphozi yokuphepha kumninikhaya. Ngemuva konyaka wokuqala umninikhaya angaqala ukuqasha okusha noma avumele umndeni ukuthi uhlale kuleyunithi ngokuqashisa kwenyanga nenyanga.

Lapho umndeni usuzinze ekhaya elisha, umndeni kulindeleke ukuthi uhambisane nokuqashiswa kanye nezidingo zohlelo, ukhokhe ingxenye yawo yokuqasha ngesikhathi, ugcine iyunithi isesimweni esihle futhi wazise i-PHA nganoma yiziphi izinguquko emalini engenayo noma ekwakhekeni komndeni .

Izibophezelo Zomninindlu: Iqhaza lomnikazi wendawo kuhlelo lwamavawusha ukuhlinzeka izindlu ezihloniphekile, eziphephile nezinenhlanzeko kumqashi emqashweni ofanele. Igumbi lokuhlala kumele lidlulise amazinga wohlelo lwezindlu futhi ligcinwe lifike kulawo mazinga inqobo nje uma umnikazi ethola izinkokhelo zosizo lwezindlu. Ngaphezu kwalokho, umninindlu kulindeleke ukuthi ahlinzeke ngemisebenzi okuvunyelwene ngayo njengengxenye yesivumelwano esisayinwe nomqashi nenkontileka esayinwe ne-PHA.

Izibopho Zeziphathimandla Zezezindlu: I-PHA ilawula uhlelo lwamavawusha endaweni yangakini. I-PHA ihlinzeka umndeni ngosizo lwezindlu olwenza umndeni ukwazi ukuthola izindlu ezifanele futhi iPHA ingena esivumelwaneni nomnikazi wendawo ukuhlinzeka ngosizo losizo lwezindlu egameni lomndeni. Uma umninindlu ehluleka ukuhlangabezana nezibopho zomnikazi ngaphansi kwesivumelwano, i-PHA inelungelo lokunqamula izinkokhelo zosizo. I-PHA kufanele ihlolisise kabusha umholo nokwakheka komndeni okungenani njalo ngonyaka futhi kufanele ihlole iyunithi ngayinye okungenani njalo ngonyaka ukuqinisekisa ukuthi ihlangabezana nezinga eliphansi lekhwalithi yezindlu.

Indima ye-HUD: Ukukhokhela izindleko zohlelo, i-HUD inikela ngemali yokuvumela ama-PHAs ukuthi enze izinkokhelo zosizo lwezindlu egameni lemindeni. I-HUD ibuye ikhokhele i-PHA imali yezindleko zokuphatha uhlelo. Lapho imali eyengeziwe itholakala ukusiza imindeni emisha, i-HUD imema ama-PHAs ukuthi afake izicelo zezimali zamavawusha ezengeziwe ezindlu. Izicelo ziyabuyekezwa bese kukhishwa imali kuma-PHA akhethiwe ngokuncintisana. I-HUD ibheka ukuphathwa kohlelo lwe-PHA ukuqinisekisa ukuthi imithetho yohlelo ilandelwa kahle.