Siza kujonga ezinye zezibonelelo ezifumanekayo zikamama ongatshatanga kweli nqaku kwiWorld Scholars Hub. Ezi nkxaso-mali ziyafumaneka ukunceda oomama abangenamaqabane omtshato ukuba babe nendawo yokuhlala, kwaye bothule umthwalo werenti emagxeni abo.
Siyazi ukuba kusenokubakho imibuzo onokufuna ukuyibuza ngokusekelwe kolu hlobo lwezibonelelo.
Kweli nqaku, siphendule eminye yemibuzo edla ngokubuzwa malunga nezibonelelo zezindlu zoomama abangenamaqabane omtshato, sikunika eyona mpendulo ilungileyo kubo bonke.
Kwakhona, yazi ukuba izibonelelo zezindlu ayikuphela kwezibonelelo ezikhoyo zoomama abangenamaqabane omtshato njengoko zikho nezinye izibonelelo zobunzima leyo inokufunyanwa ecaleni koku.
Isiqulatho
ISibonelelo sikaMama ongatshatanga kwiiNkqubo zeZindlu
Inkxaso-mali yoomama abangenamaqabane omtshato ifumaneka kumacala ahlukeneyo. Asidwelisanga nje ezona zixhaphakileyo iinkqubo zenkxaso-mali ezisafumanekayo ngoku koomama abangenamaqabane. Le nkqubo ibonelela ngenkxaso yesibonelelo kunye nezinye iintlobo zoncedo lwezindlu koomama abangenamaqabane kunye nabanye abantu abarhola kancinci.
1. Inkqubo ye-FEMA yeZibonelelo zeZindlu kooMama abangatshatanga
Nantsi intsingiselo ye FEMA; I-FEMA imele i-Federal Emergency Management Agency kwaye isebenzela oomama abangenamaqabane omtshato abasandul’ ukugxothwa okanye abagxothiweyo ziintlekele zendalo ezifana nezikhukula, iinkanyamba, nogonyamelo lwasekhaya. Urhulumente uyaqinisekisa ukuba oomama abangenamaqabane banokufumana uncedo lwezindlu kwiimeko zabo zongxamiseko.
Xa befuna uncedo lwemali lwezindlu, oomama abangenamaqabane omtshato banokuqhagamshelana ne-FEMA ukuze bafumane esi sibonelelo. Imali yesibonelelo iyahluka ngokungxamisekileyo kunye nezinye iimfuno zikarhulumente. Xa oomama abangenamaqabane omtshato bephulukene nezindlu zabo, banokufaka isicelo soncedo lokubuyisela kwizikhukhula ukuze babuyele endleleni yabo phantsi kwale nkqubo.
2. Inkqubo yeZibonelelo zeZindlu zeHUD kooMama abangatshatanga
The HUD liSebe leZindlu noPhuhliso lweDolophu lase-US elineenkqubo ezininzi zabantu abamkela umvuzo ophantsi. Xa oomama abangenamaqabane omtshato abanengxaki yezindlu banokufumana isibonelelo semali kwinkqubo yeHUD. Eli sebe likarhulumente libonelela ngemali kurhulumente wasekhaya nakwimibutho ukuqinisekisa ukuba bayakwazi ukwakhela oomama abangenamaqabane omtshato abarhola kancinci.
Oomama abangenamaqabane omtshato banokufaneleka ukuba bafumane izibonelelo zezindlu nanini na xa benesidingo sezindlu kwiimeko zabo zikaxakeka. Inkqubo yesicelo kunye nemiba yezemali yoomama abangenamaqabane ihlaziywa yi-HUD. Ke, ngaba ufuna izibonelelo zezindlu? Qhagamshelana norhulumente wasekhaya ojongene neengxaki zezindlu. Imali yesibonelelo iyahluka ngokwenyani eyahlukileyo kunye nemfuno yoomama abangenamaqabane.
3. Icandelo lesi-8 leNkqubo yeZibonelelo zeZindlu kooMama abangatshatanga
Oomama abangenamaqabane omtshato abanengxaki yezindlu banokufumana uncedo lwezindlu Icandelo lesi-8 leNkqubo yeZindlu. Ikwabizwa ngokuba yivawutsha yokukhetha izindlu ukuqinisekisa ukuba banokuphila ngokokhetho lwabo. Le nkqubo iza noncedo lwerenti kwaye inceda oomama abangenamaqabane ukuba babe ngabaninimzi.
Xa befuna uncedo lokurenta, bafumana ivawutsha kwi-HUD enikwa abanini-mhlaba njengentlawulo yerenti. Ngaba wena njengomama ongatshatanga uyafuna ukuthenga indlu? Ifomu yesibonelelo icandelo lesi-8 lokhetho lwezindlu lukwakhona. Oomama abangenamaqabane omtshato banokuhlawulwa i-$2,000 ngenyanga njengesibonelelo sokuthenga indlu ehlawulelwayo ngeenjongo zokuthenga indlu. Konke okufuneka ukwenze kukuhamba kwinkqubo yesicelo uchaza ubunzima bakho ngaphandle kwendlu.
4. I-ADDI (i-American Dream Down Payment Initiative) Inkqubo yeZibonelelo zeZindlu kooMama abangatshatanga
Njengoko besesitshilo ngaphambili, indawo yokuhlala yenye yesidingo esisisiseko sakhe nawuphi na umntu kwaye ngamanye amaxesha le mfuno ikhula ukusuka ekurenteni indlu ukuya ekubeni yeyakho. Kulapho iADDI iza kudlala khona.
Kukho iintlobo ezi-2 zeendleko zayo nayiphi na imali-mboleko yokuthenga indlu: intlawulo ephantsi kunye neendleko zokuvala. Ngethamsanqa eli qonga linceda oomama abangenamaqabane okanye abantu abanemivuzo ephantsi ukuze bafumane olu ncedo.
Eyona ndlela iphambili yokufaneleka yeyokuba abafaki-zicelo kufuneka babe okokuqala ngabathengi bezindlu, kwaye isicwangciso sabo kufuneka ibe kukuthenga indlu kuphela. Enye ikhrayitheriya kukuba imida yomvuzo womfaki-sicelo kufuneka ingagqithi kwi-80% yomvuzo ophakathi wendawo.
Olu ncedo luxhomekeke kwimfuno yoomama abangenamaqabane, ngoko ke luyahluka ngokwahlukeneyo.
5. Inkqubo yeNtsebenziswano yoTyalo-mali lweKhaya lweZibonelelo zeZindlu Koomama abangatshatanga
Inkqubo yeNtsebenziswano yoTyalo-mali lwaseKhaya yenye inkqubo elungileyo yesibonelelo efumanekayo kumama ongatshatanga ukuba athenge indlu. Ii-arhente zikarhulumente kunye noluntu zifumana imali kweli qonga ukuncedisa oomama abangenamaqabane abarhola kancinci.
Imali yesibonelelo ayilungiswanga njengoko ixhomekeke nakwimfuno yoomama abangenamaqabane. Kuyaziwa ukuba lo mbutho ubonelela ngee-$500,000 XNUMX, eza kusetyenziselwa ukwanelisa imfuneko yokuba nendlu yoomama abangenamaqabane omtshato.
6. Inkqubo yoNcedo lweNgcebiso kwiZindlu
Inkqubo yoNcedo lweNgcebiso yeZindlu ayilo naluphi na uncedo kodwa ukhetho lukwakhona kule nkqubo. Abantu abanemivuzo ephantsi kunye noomama abangenamaqabane omtshato okokuqala abathengi kwaye bafuna ulwazi oluthe kratya lokuthenga indlu banokuyisebenzisa le nkqubo. Uncedo lweeNgcebiso lusukela kuhlahlo lwabiwo-mali ukuya kuncedo lwemali-mboleko. Olu ncedo lukwavunywa sisikhokelo se-HUD.
7. Inkqubo ye-Operation HOPE yabaThengi bamaKhaya
I-Operation HOPE Home Buyers Programme yenye yezibonelelo zezindlu ezifumanekayo koomama abangenamaqabane omtshato ukuqinisekisa ukuba banokulufumana lula uncedo lokuthenga indlu. Ukongeza, le nkqubo ikwanceda oomama abangenamaqabane ukuba bafumane uncedo lwentlawulo ephantsi, kunye nemali-mboleko evunyiweyo ye-FIDC ukwenza amaphupha abo abe yinyani. Kukho i-ofisi yethemba yasekuhlaleni apho oomama abangenamaqabane, ingakumbi abokuqala bathenga izindlu, banokufumana ulwazi oluthe kratya ngale nkqubo.
8. Inkqubo yeSibonelelo seZindlu zoMkhosi wosindiso Koomama abangatshatanga
ISalvation Army ngumbutho onesisa onceda kuphuhliso loluntu. Ngoko ke oomama abangenamaqabane abahlala ekuhlaleni banokufumana uncedo lwezindlu kulo mbutho. Kukho iinkqubo ezahlukeneyo zoncedo lwesibonelelo, kwaye olu khetho kufuneka luthathelwe ingqalelo. Ke, unokubuza iziko lakho leSalvation Army elikufutshane nawe ngenkqubo yesicelo.
9. Inkqubo yeBhulorho yeZibonelelo zoNcedo lweZindlu ezilungiselelwe ooMama abangatshatanga
IBridge of Home Housing assistance ngumbutho onceda oomama abangenamaqabane omtshato ngeengxaki zabo zezindlu. Ngaba kukho imfuneko yokufumana izindlu zexeshana nezisisigxina? Lo mbutho ukulungele ukunceda oomama abangenamaqabane ukuba bafumane izindlu.
10. Inkqubo yeRhafu yesiBonelelo seZindlu zooMama abangatshatanga
Wena njengomama ongatshatanga unokufumana iTyala yeRhafu, ekwayimali yesibonelelo. Lulwazi oluphangaleleyo ukuba uninzi loomama abangenamaqabane bafumana umvuzo omncinci kodwa kufuneka bachithe imali eninzi xa bethelekisa nabanye abantu. Bangaya kwi-IRS kwaye bachaze iingxaki zabo zezindlu, emva koko intlawulo yerhafu inokunikwa oomama abangenamaqabane. Ekuphela kwento efunekayo ukuze ufumane esi sibonelelo kukuchaza ukuba baya kuthenga indlu okokuqala, baququzelele ukuphila kwabo.
Imibuzo Ebuzwa Rhoqo malunga neZibonelelo zeZindlu zooMama abangatshatanga
Kukho imibuzo edla ngokubuzwa abantu abasoloko beyibuza malunga nesibonelelo sikamama ongatshatanga sezindlu kunye nezikhokelo zengeniso ye-HUD. Apha siza kuphendula le mibuzo.
Ingaba ezi Nkxaso-mali zikaRhulumente zeZindlu zisebenza njani koomama abangatshatanga?
Izibonelelo zezindlu zikarhulumente zezona zikhethwa kuqala kubantu abarhola kancinci kunye noomama abangenamaqabane. I-HUD (iSebe leZindlu noPhuhliso lweDolophu) lijongana nezibonelelo zikarhulumente ngeenjongo zezindlu kunye nesebe labo. website ihlala ibonelela ngohlaziyo lwenkqubo yesibonelelo, uncedo lwezindlu, kunye nolunye uncedo lokurenta kubantu abafumana imivuzo ephantsi. Ngaba ungumntu ofumana umvuzo ophantsi? Emva koko kufuneka ujonge le webhusayithi ukuze uqiniseke ukuba zeziphi iinkqubo kunye noncedo lwezibonelelo ezilungiselelwe wena ngokwelizwe lakho.
Ngoobani abaLungeleyo olu Mbonelelo weZindlu?
IZibonelelo zikaRhulumente zeZindlu ziyilelwe abantu abamkela umvuzo ophantsi apho uninzi loomama abangenamaqabane omtshato bawela kubo kuba ngabona bachaphazelekileyo ekuhlaleni, kwaye bayasokola ngeendleko zokukhula nabantwana babo. Ke, izibonelelo zezindlu zikarhulumente zenzelwe oomama abangenamaqabane omtshato okanye abazali abangenamaqabane, abantu abagxothwayo, kunye nabantu abarhola kancinci.
Ngaba zikho ezinye iiNjongo zeZibonelelo zeZindlu ezinokusetyenziswa kooMama abangatshatanga?
Oomama abangenamaqabane omtshato banokufuna isibonelelo-mali sokuthenga indlu okanye ukwakha indlu. Kodwa kukho ezinye iinjongo ezifunekayo isibonelelo kungekuphela nje kwindlu entsha okanye erentwayo, kodwa esi sibonelelo sinokusetyenziselwa ukuhlaziya ikhaya neenjongo zokuphucula ikhaya. Urhulumente ukwabonelela ngemali mboleko kunye noncedo lwenkxaso-mali njengeenkqubo zokuphucula amakhaya ukuqinisekisa ukuba indlu ihambelana nendalo, inamandla ombane, kwaye iphile ngokwaneleyo ukuze kuphile ubomi obundilisekileyo nobungcono.
Oomama abangatshatanga banokuzifumana njani iZibonelelo zeZindlu zoMvuzo ophantsi ngokukhawuleza?
Abantu abarhola imivuzo ephantsi basokola kakhulu ingakumbi xa kufikwa kwizindlu kuba le ngxaki ibeka isixa esikhulu semali ukusombulula. Urhulumente ubonelela ngoncedo lwezindlu ezahlukeneyo kwaba bantu. Ngale nto, unokuqhagamshelana noGunyaziwe weZindlu zoLuntu ukuze ufumane uncedo lwezindlu kuyo nayiphi na imeko engxamisekileyo yendlu yakho. Kukho iinkqubo ezininzi apho zokufaka izicelo zokufumana izindlu zomvuzo ophantsi ngokukhawuleza.
Yintoni uMvuzo omkhulu ukuze ufanelekele i-HUD?
I-HUD inezikhokelo ezithile kwinkcazo yomvuzo ophantsi wabantu. Kubalulekile ukufunda lo mda wengeniso ngaphambi kokuba uqhubeke nenkqubo yesicelo kwaye ufanelekile kwi-HUD. Intsapho efumana i-$28,100 ngenyanga igqalwa njengomvuzo omncinane, yaye i-$44,950 igqalwa njengomvuzo ophantsi. Ke kuya kufuneka ujonge iindlela zomvuzo wakho ngokwemigaqo ye-HUD ukuba ulungele naluphi na uncedo lwezindlu.
Ngamafutshane, iingxaki zezindlu zinokusonjululwa ngokufaka isicelo senkxaso-mali kamama ongatshatanga ngeenkqubo zezindlu, apho unokufumana isixa esikhulu semali kwaye uhlawule irenti yakho okanye uthenge indlu entsha okanye usayihlaziya le uhlala kuyo ngoku.
Inkqubo yesicelo ilula kwaye ayithathi xesha lide ukuba ivunywe kwaye unikwe isibonelelo esilungele iimfuno onazo njengomama ongenaqabane.
