HUD Zvirongwa zveMhuri Muiti wega wega anofanira Kuziva

Imba Yakanaka, Chikamu 8 uye Imba dzeHUD

Icho chiri munharaunda ipi neipi yeimba inofarira kufanirwa nekuziva zvirongwa zvekugara izvo HUD inotarisira. Chinangwa chemapurogiramu aya ndechekudzivirira kodzero dzose dzeAmerica dzekubatwa zvakanaka mune dzimba uye kurarama munzvimbo dzakachengeteka. Dzidza mapurogiramu matatu eHUD mumwe weimba anofanira kuziva.

1. HUD Fair Housing and Equal Opportunity Program

Zvinorevei:

HUD inokonzera kusungiridzira Fair Fair Act ya1966.

Muchidimbu, pasi pe Fair Fair Act, pakutengesa imba, kubhadhara imba, kana kukweretesa chikwereti, hazvina kutenderwa kusarura maererano nenhangemutange, ruvara, nyika, chitendero, zvepabonde, chimiro chemhuri kana rusununguko.

Iyo inoshanda sei:

Kana munhu achinzwa kuti vakange vasaruramisirwa kusarurwa, vanogona kutumira kudai neHUD. HUD ichazoongorora tsanangudzo. Inotanga kuzivisa "inonzi" kukanganisa chikamu chekutaura uye kuvabvumira kupindura. Ichazobva yasarudza kana kune chimwe chinhu chakakodzera kumutsva.

HUD inogona kupa mapato kukwanisa kugadzirisa kunyunyuta kwavo neHUD Conciliation Agreement. Kana kuyananiswa kuchikundikana uye HUD ine "chikonzero chinonzwisisika" kutenda kuti kusarurwa kwaitika, nyaya yacho ichaenda kune imwe nyaya yekutonga kana ku Federal Federal Court kana mapato achisarudza.

Kukosha kune vashandi veminda:

Sezvo muridzi weimba, ndiani acharamba achibvarura kana kutengesa pfuma yako, ndezvaunofarira kuziva uye kubatana ne Fair Fair Act, saka haungapomerwi kusarurwa.

Unogona kunge uri kuedza kuwana chikwereti chekutsvaga kwako, naizvozvo unoda kunzwisisa Fair Fair Act kuitira kuti iwe pachako usasarurwa.

2. HUD Housing Choice Voucher Program

Zvinorevei:

Imba yeVocher Voucher Program yakabhadharwa neHUD uye yakagadzirwa kuburikidza neHome Public Agencies (PHAs).

Inowanzonzi seChishanu 8 Housing , purogiramu iyi inopa vashandi vashoma, vakura, kana vakaremara vane mabhadharo ekubhadhara mari.

Iyo inoshanda sei:

Vanhu vanogona kushandisa aya mahwatsvavha kuti vasarudze dzimba dzezvavanosarudza, chero bedzi muridzi weimba avabvuma kugamuchira iyi purogiramu. Iyo dzimba inofanirawo kutevedzera nehutano hwePHA hwehutano nekuchengeteka . PHA ichabhadhara zvakakwana muridzi weimba anobvumirana pane chikamu chebhadha. Muchengeti uyu achava nemhosva kune imwe yero yakakosha iyo hurumende yehurumende isina kuvhara.

Kukosha kune vashandi veminda:

Sezvo muridzi weimba, unoda kusarudza kana iwe uchizogamuchira Chikamu 8 vagari vemuimba yako.

Pros:

• Iwe uchazovimbiswa chikamu chebhadharo (dzimwe nguva zvose zvayo) kubva kuhurumende mwedzi woga woga.

Cons:

• Iwe haugone kuripa zvinopfuura izvo HUD inosarudza kuva Fair Market Rent (FMR) yeimba yako.
• Izvo zvePHA zvinowanzova nehutano hwakasimba uye kuchengetedzwa kwepamusoro pamusoro peimba inogamuchirwa. Semuenzaniso, kana mukati mekambani isati yanyorwa, unogona kukanganisa Chikamu 8 chekuongorora kusvikira mamiriro acho akagadziriswa.
• PHA haina kugara ichibhadhara zvachose chikwereti, saka muridzi achave ane mhosva yekubhadhara musiyano. Unofanirwa kuve nechokwadi kuti muridzi ane mari yekuita izvozvo.

Mune dzimwe nyika, hazvisi pamutemo kuti varambe chigaro nokuti vane Chikamu 8. Unokwanisa, zvakadaro, uzvirambe zvichienderana nekodzero yakawanda inowanikwa mushure mekunge uchitarisa chikwereti chekwereti .

3. Hurongwa hweHomes Homes

Zvinorevei:

The Federal Housing Authority (FHA) ndiyo kugoverwa kweHUD kunoita kuti zvikwereti zvivepo. Kana iyo FHA-insured mortgage isingagadziriswi ((muridzi anorega kubhadhara chikwereti chavo uye imba inopinda kufanirwa), mutero wekutora chikwereti unogona kutora kuda neFHA kuti uwanezve mari yose yekutora chikwereti. Apo FHA inokonzera kuti chikwereti chive chakakwana (kuripa chikwereti chebhadharo), HUD inova muridzi weimba uye ichaedza kuitengesa kuti iwane mari yakarasika.

Iyo inoshanda sei:

HUD inotangira kune imwe chete-mhuri (1-4 units) uye dzimba dzakawanda (5+ units). HUD dzimba dzemhuri dzisina kuroorwa dzinotanga kugoverwa kutengeswa kune muridzi-vagari (vadzidzi vachange vachigara munzvimbo yacho).

Kana pasina vanotora mushure mekutanga kwechipo, mazuva gumi nemazuva, vatengi vanozobvumirwa kutengesa mumisha. Iwe unofanirwa kutevera mitemo yakananga yekubhadhara paHUD zvakawanda zvezvinhu. Iwe unofanirwa kunyoresa, kutora chikwata chebhizimusi, uye uuye nemari yakanyatsoiswa mari kuti uve nekwanisi yekutengesa kuinota.

Kukosha kune vashandi veminda:

Misha yeHUD inogona kuva yakatengesa nokuti hurumende inodhura iyo maererano nekugadzirisa kwavanoda uye ichabhadharira imwe yekuvhara uye kutengesa mari yekutengesa. Hurumende inogona kushevedza mari yekugadziriswa inofanira kudiwa kana kusachengetedza nzvimbo yacho uye apa ndipo paunogona kuita mari semusimari.