Sizobe sibheka ezinye zezibonelelo ezitholakalayo zomama abangabodwana bezindlu kulesi sihloko e-World Scholars Hub. Lezi zibonelelo ziyatholakala ukuze zisize omama abangabodwana ukuze bathole indawo yokuhlala, futhi basuse umthwalo werenti emahlombe abo.
Siyazi ukuthi kungase kube nemibuzo ongafuna ukuyibuza ngokusekelwe kulolu hlobo lwezibonelelo.
Kulesi sihloko, siphendule eminye yemibuzo evame ukubuzwa mayelana nezibonelelo zezindlu zomama abangabodwa, sikunikeza impendulo engcono kakhulu kuyo yonke.
Yazi futhi ukuthi izibonelelo zezindlu akuzona zodwa ezitholakala komama abangabodwana njengoba zikhona ezinye izibonelelo zobunzima lokho kungatholwa ngaphandle kwalokhu.
Okuqukethwe
Izibonelelo Zomama Oyedwa Yezinhlelo Zezindlu
Izibonelelo zomxhaso kamama ongayedwana wezindlu zitholakala ezinhlangothini ezahlukene. Asibalanga nje kuphela ezivame kakhulu kodwa nezinhlelo zezibonelelo ezidumile ezisatholakala komama abangabodwa. Lolu hlelo luhlinzeka ngoxhaso lwezibonelelo nezinye izinhlobo zosizo lwezindlu komama abangabodwana kanye nabanye abantu abahola kancane.
1. Uhlelo lwe-FEMA Lwezibonelelo Zezindlu Komama Abangashadile
Nansi incazelo ye I-FEMA; I-FEMA imele i-federal Emergency Management Agency futhi isebenzela omama abangabodwa abasanda kuxoshwa noma abasuswa ezindaweni zabo ngenxa yezinhlekelele zemvelo ezifana nezikhukhula, izishingishane, nodlame lwasekhaya. Uhulumeni uyaqinisekisa ukuthi omama abangabodwa bangathola usizo lwezindlu ezimeni eziphuthumayo.
Lapho bedinga usizo lwezezimali lwezindlu, omama abangabodwa bangathintana ne-FEMA ukuze bathole lesi sibonelelo. Inani lesibonelelo lihluka ngokuya ngokuphuthuma nezinye izidingo zombuso. Uma omama abangabodwa belahlekelwe yizindlu zabo, bangase bafake isicelo sokuthola usizo lokubuyisela esimweni esikahle ngaphansi kwalolu hlelo.
2. Uhlelo lwe-HUD Lezibonelelo Zezindlu Zomama Abangashadile
The I-HUD uMnyango Wezezindlu Nokuthuthukiswa Kwamadolobha wase-US onezinhlelo eziningi zabantu abahola kancane. Lapho omama abangabodwana abadonsa kanzima ngezindlu bangathola isibonelelo sikahulumeni ohlelweni lwe-HUD. Lo mnyango kahulumeni uhlinzeka ngemali kuhulumeni wasekhaya kanye nezinhlangano ukuqinisekisa ukuthi bangakhela omama abangabodwa abahola kancane izindlu.
Omama abangabodwana bangakwazi ukuthola izibonelelo zezindlu noma nini lapho bedinga izindlu ezimeni eziphuthumayo. Inqubo yesicelo kanye nezindaba zezezimali zomama abangabodwa zibuyekezwa yi-HUD. Ngakho-ke, ingabe udinga izibonelelo zezindlu? Xhumana nohulumeni wendawo obhekene nezinkinga zezindlu. Inani lesibonelelo sikahulumeni liyahlukahluka kuye ngokweqiniso elihlukile kanye nesidingo somama abangabodwa.
3. Isigaba 8 Uhlelo Lwezibonelelo Zezindlu Zomama Abangashadile
Omama abangabodwa abanezinkinga zezindlu bangase bathole usizo lwezindlu nge- Isigaba 8 Uhlelo Lwezindlu. Ibizwa nangokuthi ivawusha yokukhetha izindlu ukuze kuqinisekiswe ukuthi bangaphila ngokukhetha kwabo. Lolu hlelo luza nosizo lokuqasha futhi lusiza omama abangabodwana ukuthi babe ngabanikazi bezindlu.
Lapho bedinga usizo lokuqasha, bathola ivawusha evela kwa-HUD enikezwa abanikazi bezindlu njengenkokhelo yerenti. Ingabe wena njengomama ongayedwana ufuna ukuthenga umuzi? Ifomu lesibonelelo sezindlu zesigaba 8 liyatholakala. Omama abangabodwana bangakhokhelwa u-$2,000 nyanga zonke njengemali yesibonelelo sikahulumeni yokuthenga indlu ekhokhelwe izinjongo zokuthenga umuzi. Okufanele ukwenze ukuthi udlule ohlelweni lwesicelo uchaze ubunzima bakho ngaphandle kwendlu.
4. I-ADDI (I-American Dream Down Payment Initiative) Uhlelo Lwezibonelelo Zezindlu Komama Abangashadile
Njengoba sishilo ekuqaleni, izindlu ziyisidingo esiyisisekelo sanoma yimuphi umuntu futhi ngezinye izikhathi lesi sidingo sikhula sisuka ekuqashiseni indlu siye ekubeni ngeyakho. Yilapho i-ADDI iza khona izodlala.
Kunezinhlobo ezi-2 zezindleko zanoma iyiphi imali ebolekiwe yokuthenga indlu: inkokhelo ephansi nezindleko zokuvala. Ngenhlanhla le nkundla isiza omama abangabodwana noma abantu abahola kancane ukuze bathole lolu sizo.
Imibandela yokufaneleka eyinhloko ukuthi abafaka izicelo kufanele kube okokuqala ngqa ukuthenga izindlu, futhi uhlelo lwabo kufanele kube ukuthenga indlu kuphela. Esinye isimo ukuthi imikhawulo yemali engenayo yomfakisicelo akufanele yeqe u-80% wemali engenayo emaphakathi yendawo.
Lolu sizo luncike esidingweni somama abangabodwa, ngakho-ke luyahlukahluka ngakunye.
5. Uhlelo Lwezibonelelo Zezindlu Zokutshalwa Kwezimali Kwezindlu Komama Abangashadile
Uhlelo Lobambiswano Lokutshalwa Kwezimali Kwasekhaya olunye uhlelo oluhle lwesibonelelo sikahulumeni olutholakala kumama ongayedwana ukuze athenge indlu. Izikhungo zikahulumeni kanye nemiphakathi bathola imali kule nkundla yokusiza omama abangabodwa abahola kancane.
Imali yesibonelelo sikahulumeni ayishintshile njengoba incike nasesidingweni somama abangabodwa. Kuyaziwa ukuthi le nhlangano inikeza amaRandi angu-500,000 XNUMX, azosetshenziselwa ukwanelisa isidingo sokuba nendlu yomama abangabodwa.
6. Uhlelo Losizo Lokwelulekwa Kwezindlu
Uhlelo Losizo Lokwelulekwa Kwezindlu alusona isibonelelo kodwa inketho nayo iyatholakala kulolu hlelo. Abantu abahola kancane kanye nomama abangabodwa abathenga okokuqala futhi abadinga ulwazi oluningiliziwe ngokuthenga indlu bangasebenzisa lolu hlelo. Usizo Lokwelulekwa lusukela kubhajethi kuye kosizo lwemalimboleko. Lolu sizo luphinde lugunyazwe umhlahlandlela we-HUD.
7. Uhlelo lwe-Operation HOPE Home Buyers Programme
I-Operation HOPE Home Buyers Programme ingenye yezibonelelo zezindlu ezitholakala komama abangabodwana ukuze baqinisekise ukuthi bathola usizo lokuthenga izindlu kalula. Ukwengeza, lolu hlelo luphinde lusize omama abangabodwana bathole usizo lokukhokha kancane, futhi i-FIDC igunyaze ukubolekwa imali ukwenza amaphupho abo abe yiqiniso. Kunehhovisi lendawo lethemba lapho omama abangabodwa, ikakhulukazi abathenga izindlu okokuqala ngqa, bengathola ulwazi olwengeziwe mayelana nohlelo.
8. Uhlelo Lwezibonelelo Zezindlu Ze-Salvation Army Komama Abangashadile
I-Salvation Army iyinhlangano enomusa esiza ekuthuthukisweni komphakathi. Ngakho omama abangabodwana abahlala emphakathini bangathola usizo lwezindlu kule nhlangano. Kunezinhlelo ezahlukene zokusiza isibonelelo, futhi le nketho kufanele icatshangelwe. Ngakho-ke, ungacela isikhungo sangakini seSalvation Army esiseduze nawe ngenqubo yesicelo.
9. Uhlelo Lwezibonelelo Zosizo Lwezindlu Zebhuloho Lomama Abangashadile
I-Bridge of Home Housing assistance yinhlangano esiza komama abangabodwa ngezinkinga zabo zezindlu. Ingabe sikhona isidingo sokuthola izindlu zesikhashana nezihlala unomphela? Le nhlangano isikulungele ukusiza omama abangabodwana ukuze bathole izindlu.
10. Uhlelo Lwezibonelelo Zezindlu Zezikweletu Zentela Komama Abangashadile
Wena njengomama ongayedwana ungathola Ikhredithi Yentela, nayo eyimali yesibonelelo. Kungulwazi olujwayelekile ukuthi omama abaningi abangabodwana bahola kancane kodwa kumele basebenzise imali eningi uma beqhathaniswa nabanye abantu. Bangaya ku-IRS bachaze izinkinga zabo zezindlu, bese ikhredithi yentela inikezwa omama abangabodwa. Okudingekayo kuphela ukuze bathole lesi sibonelelo sikahulumeni ukuchaza ukuthi bazothenga umuzi okokuqala ngqa, kube lula ukuphila kwabo.
Imibuzo Evame Ukubuzwa Mayelana Nezibonelelo Zezindlu Zomama Abangashadile
Kukhona imibuzo evame ukubuzwa abantu abavame ukuyibuza mayelana nesibonelelo sikahulumeni somama abangabodwana sezindlu kanye neziqondiso zeholo le-HUD. Lapha sizophendula le mibuzo.
Lezi Zibonelelo Zikahulumeni Zezindlu zisebenza kanjani Komama Ababodwa?
Izibonelelo zikahulumeni zezindlu ziyizindlela zokuqala zokukhetha abantu abahola kancane kanye nomama abangabodwa. I-HUD (Umnyango Wezezindlu Nokuthuthukiswa Kwezindawo Zasemadolobheni) isingatha izibonelelo zikahulumeni ngezinhloso zezindlu kanye nomnyango wabo. iwebhusayithi njalo inikeza izibuyekezo zohlelo lwesibonelelo, usizo lwezindlu, nolunye usizo lokuqasha lwabantu abahola kancane. Ingabe ungumuntu ohola kancane? Ngemuva kwalokho udinga ukuhlola le webhusayithi ukuze uqiniseke ukuthi yiziphi izinhlelo nezibonelelo zosizo eziklanyelwe wena ngokuya ngesimo sakho.
Obani Abafanelekela Lezi Zibonelelo Zezindlu?
Izibonelelo Zikahulumeni Zezindlu zenzelwe abantu abahola kancane iningi lomama abangabodwana eliwela kubo ngenxa yokuthi yibona abahlukumezeke kakhulu emphakathini, futhi badonsa kanzima ngezindleko zokukhula nezingane zabo. Ngakho-ke, izibonelelo zikahulumeni zezindlu zenzelwe omama abangabodwa noma abazali abangabodwa, abantu abaxoshwayo, kanye nabantu abahola kancane.
Ingabe Ikhona Enye Inhloso Izibonelelo Zezindlu Ezingasetshenziswa Komama Abangashadile?
Omama abangabodwana bangadinga isibonelelo sikahulumeni sokuthenga indlu noma ukwakha indlu. Kodwa kunezinye izinhloso isibonelelo sikahulumeni esingadingeki kuphela ngendlu entsha noma eqashiwe, kodwa lesi sibonelelo singasetshenziswa futhi ukulungisa izinjongo zokuthuthukisa ikhaya nekhaya. Uhulumeni futhi uhlinzeka ngosizo lwemali mboleko kanye nezibonelelo njengezinhlelo zokuthuthukisa ikhaya ukuze kuqinisekiswe ukuthi indlu ilungele imvelo, iyonga ugesi, futhi iphile kahle futhi iphile kahle.
Omama Abangabodwa Bangayithola Kanjani Imali Yesibonelelo Sikahulumeni Yezindlu Ehola kancane?
Abantu abahola kancane badonsa kanzima ikakhulukazi uma kukhulunywa ngezindlu njengoba le nkinga idala imali eningi ukuyixazulula. Uhulumeni uhlinzeka ngosizo lwezindlu ezahlukene kulaba bantu. Ngalokhu, ungathintana Neziphathimandla Zezindlu Zomphakathi ukuze uthole usizo lwezindlu nganoma yisiphi isimo esiphuthumayo sakho sezindlu. Kunezinhlelo eziningi lapho zokufaka izicelo zokuthola izindlu ezihola kancane ngokushesha.
Ingakanani Imali Engenayo Enkulu ukuze ufanelekele i-HUD?
I-HUD ineziqondiso ezithile mayelana nencazelo yemali engenayo ephansi yabantu. Kubalulekile ukufunda lo mkhawulo wemali engenayo ngaphambi kokuqhubeka nenqubo yesicelo futhi ufanelekele i-HUD. Umndeni ohola u-$28,100 ngenyanga uthathwa njengeholo elincane, kanti u-$44,950 uthathwa njengeholo elincane. Ngakho-ke kufanele uhlole indlela yakho yemali engenayo ngokweziqondiso ze-HUD ukuze ufanelekele noma yiluphi usizo lwezindlu.
Kafushane, izinkinga zezindlu zingaxazululwa ngokufaka isicelo soxhaso lukamama ongayedwana ngezinhlelo zezindlu, lapho ungathola khona inani elikhulu lemali futhi ukhokhe irenti yakho noma uthenge indlu entsha noma usalungise leyo ohlala kuyo njengamanje.
Inqubo yokufaka isicelo ilula futhi ayithathi isikhathi eside ukugunyazwa futhi unikezwe isibonelelo sikahulumeni esihambisana nezidingo onazo njengomama ongayedwana.
