Tikhala tikuyang'ana zina mwa ndalama za amayi omwe akulera okha ana omwe akupezeka m'nkhaniyi ku World Scholars Hub. Ndalamazi zilipo kuti zithandize amayi olera okha ana kukhala ndi malo okhala, ndi kuwachotsera mtolo wa lendi pamapewa awo.
Tikudziwa kuti pakhoza kukhala mafunso omwe mungafune kufunsa kutengera mtundu wa thandizoli.
M’nkhaniyi, tayankha ena mwa mafunso amene amafunsidwa kawirikawiri okhudza ndalama zopezera nyumba kwa amayi olera ana olera ana olera ana, kukupatsani mayankho abwino kwambiri kwa onse.
Komanso dziwani kuti ndalama zothandizira nyumba si ndalama zokhazo zomwe zimaperekedwa kwa amayi olera okha ana monganso pali zina thandizo lamavuto izo zikhoza kupezedwa pambali pa izi.
M'ndandanda wazopezekamo
Ndalama za Amayi Olera Okha Okha Pamapulogalamu a Nyumba
Ndalama zolipirira amayi olera okha ana zikupezeka mbali zosiyanasiyana. Sitinatchulenso mapulogalamu odziwika bwino komanso mapulogalamu otchuka omwe akupezekabe kwa amayi omwe akulera okha ana. Pulogalamuyi imapereka thandizo la ndalama ndi mitundu ina ya chithandizo cha nyumba kwa amayi osakwatiwa ndi anthu ena omwe amalandira ndalama zochepa.
1. Pulogalamu ya FEMA Yopereka Nyumba kwa Amayi Olera Okha
Apa pali tanthauzo la FEMA; FEMA ikuimira federal Emergency Management Agency ndipo imagwira ntchito kwa amayi omwe akulera okha ana omwe athamangitsidwa posachedwa kapena kuthamangitsidwa chifukwa cha masoka achilengedwe monga kusefukira kwa madzi, mphepo yamkuntho, ndi nkhanza zapakhomo. Boma limaonetsetsa kuti amayi omwe akulera okha ana akupeza chithandizo cha nyumba pakagwa mwadzidzidzi.
Pamene akusowa thandizo la ndalama zopezera nyumba, amayi olera okha ana amatha kulankhulana ndi FEMA kuti alandire thandizoli. Ndalama za chithandizo zimasiyanasiyana malinga ndi changu komanso zofunikira zina za boma. Pamene amayi olera ana olera ana olera ana anataya nyumba yawo, angapemphe thandizo loti abwezeretse madzi osefukira kuti ayambirenso kuchita bwino m’dongosololi.
2. Pulogalamu ya HUD Housing Grants Kwa Amayi Okwatiwa
The HUD ndi dipatimenti yoona za nyumba ndi chitukuko ku United States yomwe ili ndi mapulogalamu ambiri a anthu omwe amapeza ndalama zochepa. Pamene amayi osakwatiwa omwe akuvutika ndi nyumba atha kupeza thandizo kuchokera ku pulogalamu ya HUD. Dipatimenti ya boma imeneyi imapereka ndalama ku maboma ndi mabungwe kuti athe kumanga nyumba ya amayi omwe amapeza ndalama zochepa.
Amayi olera okha ana atha kulandira ndalama zothandizira nyumba nthawi iliyonse yomwe akusowa pokhala pakagwa ngozi. Njira yofunsira komanso nkhani zachuma za amayi osakwatiwa zimawunikiridwa ndi HUD. Ndiye mukufunika thandizo la nyumba? Lumikizanani ndi boma lomwe limayang'anira mavuto a nyumba. Ndalama za thandizoli zimasiyanasiyana malinga ndi zenizeni ndi zosowa za amayi omwe akulera okha ana.
3. Gawo 8 Dongosolo La Ndalama Zothandizira Nyumba Kwa Amayi Olera Okha
Azimayi olera okha ana amene akukumana ndi mavuto a nyumba angapeze thandizo la nyumba kudzera m’maofesi a nthambi Gawo 8 Pulogalamu Yanyumba. Imatchedwanso voucher yosankha nyumba kuti atsimikizire kuti atha kukhala molingana ndi zomwe akufuna. Pulogalamuyi imabwera ndi chithandizo chobwereketsa komanso imathandiza amayi omwe akulera okha ana kukhala eni nyumba.
Akafuna thandizo la renti, amalandila voucher kuchokera ku HUD yoperekedwa kwa eni nyumba ngati malipiro a lendi. Kodi inu ngati single mother mukufuna kugula nyumba? Fomu yothandizira gawo 8 kusankha nyumba kuliponso. Amayi osakwatiwa atha kulipidwa $2,000 pamwezi ngati thandizo logulira nyumba yolipiridwa ndi cholinga chogulira nyumbayo. Zomwe muyenera kuchita ndikudutsa njira yofunsira kufotokoza zovuta zanu popanda nyumba.
4. ADDI (American Dream Down Payment Initiative) Pulogalamu Yothandizira Nyumba Kwa Amayi Opanda Okwatiwa
Monga tanenera poyamba paja, nyumba ndi chinthu chofunika kwambiri kwa munthu aliyense ndipo nthawi zina chosowacho chimakula kuchoka pakupanga lendi mpaka kukhala nayo. Apa ndipamene ADDI imabwera kudzasewera.
Pali mitundu iwiri ya mtengo wa ngongole iliyonse yogulira nyumba: kulipira pang'ono ndi kutseka mtengo. Mwamwayi nsanjayi imathandizira amayi osakwatiwa kapena anthu omwe amapeza ndalama zochepa kuti alandire chithandizochi.
Mfundo zazikuluzikulu zoyenereza ndizoti olembera ayenera kukhala ogula nyumba koyamba, ndipo dongosolo lawo likhale logula nyumba yokha. Mfundo ina ndi yakuti malire a ndalama za wopemphayo asapitirire 80% ya ndalama zapakati za dera.
Thandizo limeneli limadalira kufunikira kwa amayi olera okha ana, choncho zimasiyana aliyense payekha.
5. Pulogalamu Yopereka Ndalama Zothandizira Pakhomo Pakhomo Kwa Amayi Opanda Okwatiwa
Dongosolo la Home Investment Partnership ndi pulojekiti ina yabwino yothandizira yomwe imapezeka kuti mayi amene akulera yekha ana agulire nyumba. Mabungwe aboma ndi madera amalandira ndalama kuchokera papulatifomu kuti athandize amayi omwe amapeza ndalama zochepa.
Kuchuluka kwa chithandizo sikukhazikika chifukwa kumadaliranso kufunikira kwa amayi omwe akulera okha ana. N’zodziwikiratu kuti bungweli limapereka ndalama zokwana madola 500,000, zomwe ziyenera kugwiritsidwa ntchito pokwaniritsa kufunika kokhala ndi nyumba ya amayi osakwatiwa.
6. Pulogalamu Yothandizira Uphungu Wanyumba
Pulogalamu Yothandizira Uphungu Wanyumba si thandizo lililonse koma njira ikupezekanso mu pulogalamuyi. Anthu omwe amapeza ndalama zochepa komanso amayi osakwatiwa omwe amagula koyamba ndipo amafunikira chidziwitso chatsatanetsatane pakugula nyumba atha kugwiritsa ntchito pulogalamuyi. Thandizo la Uphungu limachokera ku bajeti kupita ku chithandizo cha ngongole. Thandizoli limavomerezedwanso ndi chitsogozo cha HUD.
7. Pulogalamu ya Operation HOPE Home Buyers Program
Bungwe la Operation HOPE Home Buyers Programme ndi imodzi mwa ndalama zothandizira nyumba zomwe zimaperekedwa kwa amayi omwe akulera okha ana kuti awonetsetse kuti angapeze thandizo logulira nyumba mosavuta. Kuphatikiza apo, pulogalamuyi imathandizanso amayi omwe akulera okha ana kuti alandire chithandizo chochepa, ndipo FIDC idavomereza ngongole kuti akwaniritse maloto awo. Pali ofesi yachiyembekezo yakumalo komwe amayi osakwatiwa, makamaka ogula nyumba koyamba, atha kudziwa zambiri za pulogalamuyi.
8. Pulogalamu Yopereka Nyumba za Salvation Army Kwa Amayi Okwatiwa Okha
Salvation Army ndi bungwe lopereka mowolowa manja lomwe limathandiza pa chitukuko cha anthu. Choncho amayi omwe akulera okha ana omwe amakhala m’derali angapeze thandizo la nyumba ku bungwe limeneli. Pali mapulogalamu osiyanasiyana othandizira thandizo, ndipo izi ziyenera kuganiziridwa. Chifukwa chake, mutha kufunsa malo anu a Salvation Army omwe ali pafupi ndi inu kuti mugwiritse ntchito.
9. Pulogalamu ya Thandizo la Mlatho Wanyumba Kwa Amayi Okwatiwa
Bridge of Home Housing help ndi bungwe lomwe limathandiza amayi osakwatiwa ndi mavuto awo okhala ndi nyumba. Kodi pakufunika kukhala ndi nyumba zosinthira komanso zokhazikika? Bungweli ndi lokonzeka kuthandiza amayi osakwatiwa kupeza nyumba.
10. Pulogalamu Yopereka Ngongole Ya Nyumba Ya Misonkho Kwa Amayi Olera Okha
Inu ngati mayi wosakwatiwa mutha kupeza Ngongole ya Misonkho, yomwenso ndi ndalama zathandizo. N’zodziwikiratu kuti amayi ambiri omwe akulera okha ana amapeza ndalama zochepa koma amawononga ndalama zambiri poyerekeza ndi anthu ena. Atha kupita ku IRS ndikufotokozera zovuta zawo zanyumba, ndiye kuti ngongole yamisonkho ingaperekedwe kwa amayi omwe akulera okha ana. Chinthu chokhacho chofunikira kuti apeze thandizoli ndikufotokozera kuti adzagula nyumba kwa nthawi yoyamba, kuwongolera moyo wawo.
Mafunso Omwe Amafunsidwa Kawirikawiri Okhudza Ndalama Zopereka Nyumba kwa Amayi Osakwatiwa
Pali mafunso omwe amafunsidwa pafupipafupi omwe anthu amafunsa nthawi zambiri okhudza thandizo la amayi omwe akulera okha ana panyumba ndi njira zopezera ndalama za HUD. Apa tiyankha mafunso amenewa.
Kodi Ndalama za Nyumba za Boma izi zimagwira ntchito bwanji kwa Amayi Olera Okha?
Thandizo la nyumba za boma ndi njira zoyamba za anthu omwe amapeza ndalama zochepa komanso amayi omwe akulera okha ana. HUD (Dipatimenti Yoona za Nyumba ndi Kutukula Mizinda) imayang'anira ndalama za boma zopangira nyumba komanso dipatimenti yawo. webusaiti nthawi zonse amapereka zosintha pa pulogalamu yothandizira, thandizo la nyumba, ndi thandizo lina lalendi kwa anthu omwe amapeza ndalama zochepa. Kodi ndinu munthu wopeza ndalama zochepa? Kenako muyenera kuyang'ana tsamba ili kuti muwonetsetse kuti ndi mapulogalamu ati ndi thandizo lomwe limakupangirani malinga ndi dziko lanu.
Ndani Ali Oyenerera Kupatsidwa Ndalama Zothandizira Zanyumba Izi?
Thandizo la Nyumba za Boma lapangidwa kuti lithandize anthu omwe amapeza ndalama zochepa zomwe amayi ambiri omwe akulera okha ana amagweramo chifukwa ndi omwe awonongeka kwambiri m'deralo, ndipo amavutika ndi kukwera mtengo ndi ana awo. Chifukwa chake, ndalama zoperekedwa ndi boma zimapangidwira amayi omwe akulera okha ana kapena olera okha ana, anthu othamangitsidwa, komanso anthu omwe amapeza ndalama zochepa.
Kodi Pali Zolinga Zina Zomwe Ndalama Zothandizira Nyumba Zogwiritsidwa Ntchito Kwa Amayi Olera Okha?
Amayi olera okha ana angafunike thandizo la ndalama pogulira nyumba kapena kumanga nyumba. Koma palinso zolinga zina zomwe thandizoli limafunikira osati ku nyumba yatsopano kapena yobwereketsa, koma thandizoli litha kugwiritsidwanso ntchito kukonzanso nyumba ndi zolinga zowongolera nyumba. Boma limaperekanso ngongole ndi thandizo la ndalama ngati njira zowongolera nyumba kuti zitsimikizire kuti nyumbayo ndi yokoma zachilengedwe, yopanda mphamvu, komanso yokwanira kuti mukhale ndi moyo wabwino komanso wabwino.
Kodi Amayi Osakwatiwa Angapeze Bwanji Ndalama Zochepa Zothandizira Kunyumba Mwachangu?
Anthu omwe amapeza ndalama zochepa amavutika kwambiri makamaka pankhani ya nyumba chifukwa vutoli limabweretsa ndalama zambiri kuti athetse. Boma limapereka chithandizo cha nyumba zosiyanasiyana kwa anthu awa. Pachifukwa ichi, mutha kulumikizana ndi Public Housing Authority kuti mupeze chithandizo chanyumba pamwadzidzi uliwonse wanyumba yanu. Pali mapulogalamu ambiri kumeneko kuti mulembetse kuti mupeze nyumba zopeza ndalama zochepa mwachangu.
Kodi Maximum Income kuti muyenerere HUD ndi chiyani?
HUD ili ndi zitsogozo za tanthauzo la ndalama zochepa za anthu. Ndikofunika kuti muphunzire malire a ndalamazi musanayambe ntchito yofunsira ndikuyenerera HUD. Banja lomwe limalandira $28,100 pamwezi limawonedwa ngati ndalama zochepa, ndipo $44,950 imawonedwa ngati ndalama zochepa. Chifukwa chake muyenera kuyang'ana momwe mumapezera ndalama molingana ndi malangizo a HUD kuti mukhale oyenera kulandira chithandizo chilichonse chanyumba.
Mwachidule, mavuto a nyumba angathetsedwe popempha thandizo la amayi omwe akulera okha ana kuti apeze nyumba, komwe mungapeze ndalama zambiri ndikulipira lendi kapena kugula nyumba yatsopano kapena kukonzanso yomwe mukukhala panopa.
Njira yofunsirayi ndiyosavuta ndipo sitenga nthawi yayitali kuti ivomerezedwe ndikupatsidwa ndalama zoyenererana ndi zosowa zomwe muli nazo ngati mayi wosakwatiwa.
