Ukufumana indawo ekhuselekileyo, elungeleleneyo, nenokufikeleleka yokuhlala yenye yezona ntswelo ziphambili zemali ekhoyo nayiphi na intsapho. Kodwa, ngokunyuka kwerente, ingeniso encinane, kunye nemizi - mveliso enzima yezindlu kulo lonke ilizwe, le mfuneko ingundoqo iyanda kakhulu ukuhlangabezana nayo. Ngoxa incoko yezindlu ijolise kwiinkqubo zikarhulumente okanye iiprojekthi zentengiso, ezona zibalulekileyo nezinokusetyenziswa zifumaneka kumgangatho wengingqi. Olu khokelo lwesixeko, ingingqi, okanye izakhiwo zengingqi, lunika uluhlu lweenkqubo ezicetyiweyo ezilungiselelwe ukuvala umsantsa phakathi koko unakho nokufuna kwemarikethi. Ukuqonda ezi nkqubo zezoshishino, ozenza zilungele, ozenzayo, nendlela yokusebenza kwendlu nokuziphilisa, ukuqinisekisa umgangatho wendlu. Olu khokelo lunikela uncedo olunzulu, kwiinkqubo zikarhulumente zokukuxhasa.

Isizathu Sokuba Iinkqubo Zorhulumente Wasekuhlaleni Zibaluleke Kwizindlu Ezinokufumaneka

Oorhulumente basekuhlaleni bakwisikhundla esikhethekileyo sokusingatha iingxaki zezindlu ngenxa yokuba bayayiqonda imisebenzi ecacileyo yoluntu lwabo. Ngokungafaniyo namanyathelo aphezulu karhulumente asebenza kulo lonke ilizwe, iinkqubo zongingqi zingalungiselwa kumgangatho wengeniso yengingqi, isheshi yendlu, kunye namaxabiso erenti. Ezi nkqubo zisoloko zikho ukuphelelwa ngamandla, zivumela unxulumano olungqalileyo nabanini-zindlu, abarhwebi abakhoyo, abangezongeniso, nabaphuhlisi bezonyango. Bakwasebenza njengenethili elibalulekileyo, elingeko ukuqesha nje kuphela kodwa linikezela ngoncedo kodwa kwanoncedo lweendawo zokuhlala, iinkonzo zexesha likaxakeka, kunye neenkonzo ezixhasayo ezibangela ukunqaba kwezindlu, umsebenzi onjengokungabikho kwemeko zonyango.

Ngaphezu koko, amagunya asekuhlaleni ezezindlu (LHA) kunye namasebe ophuhliso loluntu anika izimali zorhulumente ezifana ne-Community Development Grant (CDBG) kunye neNkqubo yokuSebenza kweeNtsalela-mali zeNtlanganiso yeNtlalo-ntle yoLuntu, ukuzongeza ngemilinganiselo yokubophelela okanye irhafu yasekuhlaleni. Le nkxaso igqunywe ngxowa-mali ithetha ukuba naxa ucwangciso olunye lunemiqathango yokulinda, olunye lunokuba nezithuba ezikhawulezileyo. Ngokufunda ukwandisa amathuba akho okufumana isisombululo esilingana nemeko yakho ekhethekileyo.

Iintlobo zezixhobo zoncedo lwezindlu zorhulumente wasekuhlaleni

Uninzi loorhulumente basekuhlaleni lunika iprojekthi yeenkqubo. Ngoxa amagama achanileyo neenkcukacha zingafani ngokolawulo, ngokuqhelekileyo zikwicandelo elingundoqo. Ukuqonda ezi ntlobo linyathelo lokuqala lokuchaza oko kusenokufumaneka kummandla wakho.

Iinkqubo zoncedo lwamazinyo

Eyona ndlela yaziwayo yoncedo lokuqesha yiNdlela yokuKhetha iNdawo yoHlala, ebizwa ngokuba yiCandelo 8. Kodwa ke, oorhulumente abaninzi basekuhlaleni basebenzisa iinkqubo zabo ezisezantsi zerente ngokusebenzisa ii-dola zerhafu okanye iminikelo ekhethekileyo yobulali. Aba baxhasi basekuhlaleni basoloko benoluhlu olufutshane lokulinda nemithetho ethambe ngakumbi yokungajijiseki.

  • Ukukhetha Okukhethiweyo Voucher (HCV): Uxhobisa umbutho wakho wobulali weendawo zoluntu (PHA). Ufumana eyakho iyunithi yerente (ehlangabezana nemigangatho yenkqubo), nePHA ihlawula inxenye yerente ngqo kumninindlu. Uhlawula malunga nama-30% engeniso yakho yenyanga elungelelanisiweyo kwirente.
  • Izixhobo ezikwindawo efihlakeleyo (umz., iziXeko okanye iZiko leNtlanganiso): Abanye oomasipala banikezela ngemali jikelele okanye izithintelo zelizwe banikezela ngemali ukwenza uncedo lwendlu yoxakeka okanye inkxaso-mali encinci eyongezelele inkqubo ye-HCV. Ezi zingajolisa ixhoba labemi abathile abafana nabakhulileyo, amagqala, okanye iintsapho ezisabayo ugonyamelo lwasekhaya.
  • [[NTL: 0] Rapid Re-Hofing (RRH): Icelelwe abantu kunye neentsapho ezingenamakhaya okanye ezisemngciphekweni wokungabi nakhaya. RRH inikezela uncedo olufutshane lokuqesha kunye nolawulo lwemeko ukukunceda ukhusele indawo yokuhlala ngokukhawuleza kwaye uzuze uzinze.

Izindlu zikawonke-wonke

Izindlu zikawonke-wonke ziquka izakhiwo zokuhlala okanye amakhaya eentsapho enye alawulwa kwaye esetyenziswa ligunya lakho lokuhlala. Ii-rent zibekwe kumgangatho ofikelelekayo wengeniso elungeleleneyo yendlu. Nangona ama-30% eemali zemali elungelelanisiweyo. Nangona izindlu zikawonke-wonke zingumzekelo omdala, amagunya amaninzi asebenzisa iinkqubo zikarhulumente ezifana neRenel Intelligiment Develotion (RAD) ukuphucula iimeko kunye nokugcinwa kwexesha elide. Ukulinda uluhlu lwezindlu zikawonke wonke kusenokubande, kodwa amanye amaqela amiselwe abantu abadala okanye abantu abaneziphene, abanokukhulula.

Iinkqubo zoncedo lomnini-ndlu

Kwiintsapho ezininzi, ukutshintsha ukusuka kwirente ukuya kufumana usukelo oluyintloko. Oorhulumente basekuhlaleni banikela iinkqubo ezahlukeneyo zomnini-khaya ukwenza oku kunokwenzeka, ingakumbi kubathengi bexesha lokuqala.

  • Ubhatalo oluphantsi neNkcitho IMALI: Ezi zisoloko ziyimali-mboleko exolelwayo okanye imvume ehlawulelwayo egquma naliphi na ukusuka kwi $5 000 ukuya kwimali yakho ehlawulwa phantsi okanye yokuvala. Xa utshintshisana, kufuneka uhlale ekhaya kangangenani eliqingqiweyo leminyaka.
  • [[NTL:0] Izatifiketi zetyala leMortgage (MCC):[ I-MCC ikuvumela ukuba ufune ityala lerhafu lemali karhulumente lenzala yemali yomnikelo ohlawula unyaka ngamnye, ukwandisa intlawulo yakho yekhaya kunye nokwenza umninimzi afikeleleke.
  • Below-Market-Rate- (BMR) Abanini-khaya: Ezinye izixeko zifuna abaphuhlisi bebeke bucala ipesenti yamakhaya amatsha athengiswayo aphantsi nangenayo kumaxabiso aphantsi komthengi. Ukungalingani kusekelwe kwingeniso, kwaye ungafuna ukuthatha iklasi yemfundo yendlu ethengwayo.
  • I-Community Land Trusts (CLT): Yindawo engangeni ngeniso okanye iziko lorhulumente wasekuhlaleni elinomhlaba, kwaye uthenga kuphela indlu. Oku kunciphisa ixabiso lokuthenga kwaye kuqinisekisa ukuba intlawulo yexesha elide. Oorhulumente abaninzi basekuhlaleni banika izikhuthazo zerhafu okanye imali ethe ngqo kwiiCLT.

Iinkqubo zebloko yophuhliso loLuntu (CDBG)

Inkqubo yeCDBG yengingqi inika oorhulumente bengingqi imali ebhetyebhetye ukuhlangabezana neemfuno zezindlu nezoluntu.

  • Ukuhlaliswa kwakhona komnini okhoyo osebenzayo okanye indlu yokuqesha.
  • Ukwakha okanye ukuphucula iindawo zokuhlala ezingenamakhaya nezindlu ezitshintshileyo.
  • Ukubonelela ngemali amacebiso afanelekileyo ezindlu kunye neenkonzo zokuncedisa umnini-ndlu.
  • Ukunika izibonelelo zendlu yongxamiseko ukwenzela abaninimzi abangenayo (umz., ukubuyisela uphahla, ukulungiswa kwesixokelelwano sokufudumeza) ukukhusela ukushenxiswa ngenxa yokwaphulwa kwekhowudi.

Ekubeni iCDBG isisibonelelo sesiqobo, umnikelo othe ngqo wahluka ngokubanzi ngokwesixeko okanye kwingingqi. Xela isebe lenkqubela-phambili yoluntu lasekuhlaleni ukuze wazi ukuba ziziphi iinkqubo ezikhoyo kwingingqi yakho.

Izindlu ezixhasayo kunye neenkqubo ezikhethekileyo

Uninzi lwamaqumrhu karhulumente asekuhlaleni asebenzisana namaqumrhu angafumani ngeniso ukunikezela "izindlu zokuxhasa""

  • Abantu abangenamakhaya.
  • Abasebenzi (ngengxelo yeHID-VASH kunye namava asekuhlaleni athatha inyathelo lokufumana indawo yokuhlala).
  • Abasindi bogonyamelo lwasekhaya.
  • Abantu abaneHIV/AIDS.
  • Abantu ababevalelwe entolongweni ngaphambili babuyela kuluntu.

Ukuba wena okanye umntu othile endlwini yakho uwela kolunye lwezi ntlobo, ukufuna inkqubo yokuxhasa indlu kusenokunganiki nje kuphela irente exabisa imali eninzi kodwa nokuzinza kwemali yokuhlala.

Indlela yokufumana Iinkqubo zezindlu zorhulumente wasekuhlaleni: Isikhokelo ngenyathelo

Ukwazi ukuba ezi nkqubo zikhona yenye into; ukuqhuba ngempumelelo inkqubo yesicelo yenye. Nayi imaphu eluncedo yokudibanisa inkqubo yasekunene yasekuhlaleni.

Inyathelo lesi-1: Xelani amagunya ezindlu zasekuhlaleni ne-ofisi yoPhuhliso loLuntu

Inyathelo lakho lokuqala kukufumana umbutho okhethekileyo olawula iinkqubo zezindlu kwisixeko sakho okanye kwingingqi yakho. Funa amagama afana "[isiXeko sakho] Abaphathi bezindlu" okanye "[Isebe Lenu Lophuhliso Loluntu". Iwebhsayithi [[FLT: 0]] inika uluhlu lwamaqumrhu ezindlu zikawonke-wonke-wonke ngurhulumente , enokuba yincopho eluncedo. Inqaku lewebhsayithi yombutho lize lityikitye izilumkiso ze-imeyili ukuba zikhona, njengoko uluhlu lokuvula lwezindlu zikawonke wonke lusoloko lubhengezwa ngesaziso esincinane.

Inyathelo lesi-2: Uphando olukhoyo lweenkqubo ze uqinisekise ukuba kulula

Xa ukwisinxulumanisi, khangela i “Iinkqubo Zokuncedisa” okanye“Uncedo Lwamazinyo”. Inkqubo nganye iza kudwelisa imilinganiselo yokukwazi ukufikelela, edla ngokusekelwe kwi:

  • Ingeniso: Iinkqubo ezininzi zimisela umlinganiselo ophezulu wengeniso, ezisoloko zichazwa njengepesenti yengingqi ye Media Indome (AMI). Umzekelo, inkqubo ingafumaneka kuphela kwizindlu ezifumanayo okanye ngaphantsi kwama-50% okanye 80% ye-AMI.
  • Ubungakanani bendlu yefreyithi: Imida yahluka-hlukene ngokwenani labantu kwindlu yakho.
  • Inqanawa ethutha abantu okanye ubume bokufuduka: Iinkqubo ezininzi ezifakelweyo ze-HUD zifuna ubumi base-U.S. okanye ubume obufanelekileyo bondwendwe, kodwa ezinye iinkqubo zasekuhlaleni zinokuba nemithetho eyahlukileyo.
  • Izigqeba ezikhethekileyo: Ezinye iinkqubo zigcinelwe abakhulileyo (62+), abantu abakhubazekileyo, amagqala, okanye abantu abangenamakhaya.

Ukusebenzisa inkqubo ongakufanelekeliyo ukuchitha ixesha lakho kusenokunciphisa ixesha lakho yaye kusenokubenza bangasebenzi abanye abantu abafanelekileyo.

Inyathelo 3: Lungisa Uxwebhu Olufunekayo Kusengaphambili

Ilinde de iwindow yesicelo ivule ukuqokelela amaxwebhu yimpazamo eqhelekileyo ekhokelela ekuphoseni ixesha elimisiweyo. Lungisa ezi zinto kusenexesha:

  • Ubungqina obubonisa ukuba onke amalungu entsapho (iphepha - mvume lomlambo, isatifiketi sokuzalwa, isindwendwe sokundwendwela).
  • Amakhadi oKhuseleko loLuntu okanye uxwebhu olusemthethweni lomntu ngamnye.
  • Ubungqina bengeniso: ukuhlawula iziphekepheke, iimali zerhafu, ileta yoKhuseleko Loluntu, ukulondoloza abantwana, ukuxhasa amaxwebhu, ukuphelelwa ngumsebenzi.
  • Ubungqina bempahla: iingxelo zebhanki, iiakhawunti zotyalo-mali, amaxwebhu okuba nempahla.
  • Isivumelwano sepesenti yepesenti kunye neendleko ze-atchin (ukuba uqeshile).
  • Iileta zokugxothwa okanye zokungabinandawo (ukuba ziyafuneka) kunye neeleta ezivela kubanikezi benkonzo.

Ukuba nala maxwebhu alungile kukuvumela ukuba unikezele isicelo esipheleleyo umzuzu oluqala ngawo uluhlu lokulinda, olubalulekileyo kuba uluhlu oluninzi luqala ngezawo, lugciniwe kuqala.

Inyathelo 4: Beka Isicelo Sakho Ngobulungisa nangokupheleleyo

Amagosa amaninzi ezindlu asekuhlaleni ngoku ayamkela izicelo kwi-intanethi. Noko ke, amanye amaqumrhu amancinci asenokufuna ukuthotyelwa kwephepha okanye ukuhla kwephepha. Landela imiyalelo ngqo. Imigibe eqhele ukuqukwa yile:

  • Ukushiya amabala angenanto (sebenzisa u-N/ A” ukuba akusebenzi).
  • Ukunika amanani okhuseleko angeyonyaniso okanye imali ehlawulwayo.
  • Azidwelisi onke amalungu endlu (kuquka abantwana okanye abazali abakhulileyo abahlala nawe).
  • Awuwuwufumani umhla wesicelo ngomzuzu omnye (inkqubo yewotshi inokuba ngqongqo).

Ukuba isicelo sikuvumela ukuba ugcine kwaye ubuye kamva, musa ukulinda kude kube lusuku lokugqibela. Ngenisa ubuncinane iiyure ezingama-24 phambi komhla ophelelyo ukunqanda iigliche zobugcisa.

Inyathelo 5: Zilandele Uze Uhlale Ukho

Emva kokunikezela, phawula isiqinisekiso okanye irisithi. Ukuba awuwuva emva kwisakhelo sexesha elilindelekileyo (mhla onokuba 30-90), qhagamshelana nesebe lokutya. Gcina ingxelo yonxibelelwano ngalunye(usuku, ixesha, igama, ummeli, kwaye oko kuxutyushwe. Qhuba ulwazi lwakho nge PHA ngoko nangoko ukuba uhambisa okanye utshintsha amanani ocingo. Ulindi lamanqaku angathatha iinyanga okanye kwaneenyanga, kwaye ukuba iPHA izama ukufikelela kuwe kwaye ayinako, ungasuswa kuluhlu.

Ukwandisa iphulo lakho: Izixhobo ezinxulumeneyo kunye noomatiloshe

Iinkqubo zezindlu zikarhulumente zidla ngokusebenza ekudibaniseni nezinye izinto zoluntu.

Abacebisi bezindlu abangeyongeniso

Amaziko agunyazisa ukubonelela ngezindlu axhaswe kakhulu ngurhulumente wasekuhlaleni. Banganikela uncedo olunye ngesisa olukhoyo lweefomu zesicelo, ukulungiswa kwetyala, ukucetyiswa koqingqo-mali, nokuqondwa kwamalungelo ezindlu. Ukufumana umcebisi kufutshane nawe, tyelelani abacebisi bezindlu ze-[[FLT:] okanye bameme izi-2-1 malunga nee-arhente.

Ukukholosa Kwamazwe Oluntu Nemiqathango Elinganiselweyo

Oorhulumente abaninzi basekuhlaleni baxhasa ugcino-mali lwelizwe kunye nentsebenziswano yezindlu ezithelekelelwayo zexesha elide njengemizekelo yokuphatha efikelelekayo. KwiCLT, ukuthenjelwa kwemali eseleyo, ukwenza ikhaya libe lincinane kakhulu. Imiqathango yengcaciso iqinisekisa ukuba ikhaya lihlala linokufikeleleka kubathengi bexesha elizayo. Buza isebe lakho locwangciso lwezindlu ukuba kukho iCLT kummandla wakho nendlela yokusebenzisa amakhaya akhoyo.

Isalathisi somsebenzi wePhondo

Kwiminyaka yakutshanje, izixeko ziye zagqithisa amaqhina ezindlu ukuze zixhase ukuphuhliswa kwezindlu ezinokufikeleleka kunye nenkxaso-mali yokuqesha. Imithetho yokusebenza kweendawo ifuna abaphuhlisi baquke iiyunithi ezinokufikeleleka kwimisebenzi yezorhwebo entsha. La maqela asoloko efumaneka ngenkqubo yelottery. Khangela icebo lesixeko sakho okanye isebe lesebe lezindlu ukuze ufumane ulwazi ngelottery ezayo malunga nezindlu ezingaphantsi kwerejitha yemali. I-RBBS yalettery zisoloko zahlulwa kuluhlu lwePHA elilindayo.

Ukoyisa Iengxaki Eziqhelekileyo

Naxa unenkcazelo elungileyo, indlela yokufumana indlu efikelelekayo inokuzala nemiqobo. Ukulungisa le miqobo ngokuphandle kukwenza ube bhetele.

Uluhlu olude lokulinda kunye neenkqubo eziphambili

Iinkqubo ezininzi zoncedo lwerente zasekuhlaleni zilinde uludwe oluthe lwanwenwa kangangeminyaka.

  • Sebenzisa iinkqubo ezininzi
  • [[UMTL: 0] Funa isimo esiphambili: Ukuba awunamakhaya, ikhewu, okanye ixhoba logonyamelo lwasekhaya, ungabekwa phezulu kuluhlu.
  • Uxwebhu lufuna ungxamiseko. Olunye u-PH lusebenzisa “iindawo ezifunekayo” kwiintsapho ezihlawula ngaphezu kwe 50% yemali yerente, ukuhlala kwindlu engekho mgangathweni, okanye ukufuduswa ngokuqhutywa ngumoya.
  • [[FLT: 0] Cinga ngokushenxa kulawulo olwahlukileyo: ukuqinisekisa ngeendawo zokuhlala kukuvumela ukuba usebenzise isiqinisekiso sakho nakweyiphi indawo apho iPHA isebenzisa udweliso lwenkqubo, ukuba uhamba ngokusondeleyo kumsebenzi okanye kwentsapho. Amanye amaqumrhu amancinci anoluhlu olufutshane lokulinda.

Iinkqubo ezintsonkothileyo zokusetyenziswa kwenkqubo kunye nezithintelo zolwimi

Iifomu zesicelo zingadida, ingakumbi kwizithethi ezingezozasiNgesi. Amagosa amaninzi ezindlu anikela iinkonzo zoguqulelo kwisicelo okanye azinikele ekuncedeni abantu abaneziphene. Musa ukuthandabuza ukucela uncedo. UMthetho weFair Howation Act ufuna amaziko okwakha iindawo zokuhlala ezifanelekileyo, kuquka ukunikezela ngezicelo kwiifomati ezingezizo okanye ukunikela ngoncedo olungelulo.

Ukuqhatha Nokukhusela Ubuqhophololo

Ngelishwa, abaqhathayo badla ngokuhlasela abantu abafuna izindlu ngelishwa. Ungaze uhlawule umrhumo wokufaka isicelo seCandelo lesi-8 okanye sezindlu zikawonke-wonke. Ezi nkqubo zikhululekile ukucela isicelo. Amagosa ezindlu asemthethweni akasayi kuze acele ukuhlawula ifowuni okanye ngokuthumela ngocingo. Ukuba ubona isikhangelo okanye ufumana ubizo oluthi ungalubeka “ekubekeleni uluhlu lokulinda” ukuze ufumane umrhumo, luyinkohliso.

Amabali Aphumelelayo: Imiphumo Yokwenene Yeenkqubo Zasekuhlaleni

Ukuze ubone indlela ekwakuchaphazeleka ngayo oku, khawuqwalasele iimeko ezimbini eziqhelekileyo apho iinkqubo zasekuhlaleni ziye zanegalelo elicacileyo.

uMaria, umama omnye onesibini esisebenzayo njengekhaya elisempilweni, wayefuna ukuthenga ikhaya kodwa engenamali egciniweyo yokulihlawula. Wafunda malunga noncedo lwengingqi yakhe ngokuhlawula igosa lezindlu zasekuhlaleni. Ngemali ehlawulelweyo engaphantsi kwemali eseleyo, wakwazi ukuthenga ikhaya elikwikhaya elincinane elikwigumbi elikwigumbi elinye. Imali yakhe yenyanga (kuquka irhafu ne-inshorensi) yayingaphantsi kokuba ebeyihlawulela kwirentengi. Ucwangciso lwalufuna ukuba agqibelele izifundo zemfundo yekhaya lomntu othenga izinto zendlu, ezamnika ubuchule bokuyilondoloza imali yakhe. Kwiminyaka emihlanu kamva, wakwazi ukuthenga imali ephantsi yendlu yakhe ehlala phantsi. Imali yakhe ehlawulwayo (kuquka irhafuthefuthe ne-inshorensi) ngexesha lokuzinza abantwana bakhe benokufumana inzuzo kwindlu yabo.

[[FLT: 0] Intsapho yaseRodriguez kunye nevoucher yasekuhlaleni: Intsapho yaseRodriguez eyayijongene nerhafu ehlanqweyo yatsiba ukusuka kwi R1,200 ukuya kwi R1,800 ngenyanga. Bafaka isicelo sokukhetha i Home Home Commer Voucher kodwa baxelelwa ukuba uluhlu lokulinda luvaliwe. Noko ke, ngengeniso yabo yasekuhlaleni engangeni ngeniso, bafunda malunga noncedo olungxamisekileyo oluxhaswe yiCDBGokene. Kwiveki ezintathu, bafumana i-consoza yexeshana eyagquma irente yolwano lwenyanga ezintandathu, benika ixesha lokufumana umsebenzi ozinzileyo kunye nokutshintshela kwindlu enokusebenziseka. Ucwangciso olunxulumene noncedo lwemali oluncedisa uhlalo lwemali oluyenze kunye nolwanoxando lwemali.

La mabali abonisa ukuba ukuzingisa, ulwazi nonxulumano olufanelekileyo lwasekuhlaleni kunokubangela imiphumo yokwenene.

Imibuzo Ebuzwa Rhoqo

[[FLT: 0] Q: Kuthatha ixesha elingakanani ukufumana icandelo 8 elisuka kwigunya lam lezindlu zasekuhlaleni?[FLT:] A: Iyahluka-hluka. Ezinye iindawo zasedolophini zilinde uluhlu olude iminyaka. Noko ke, ezininzi ngoku zisebenzisa “ukhetho lwe-random” ukuphatha imfuno yelottery. Kubalulekile ukusebenzisa ngokukhawuleza xa uluhlu lokulinda luvuliwe. Kwakhona, khangela ukuba iPHA inika“ Ukunika udweliso lwenkqubo yomsebenzi, maxa kuthe kwakho kufutshane kulindele uluhlu oluthile.

Q: Ndingasebenzisa isiqinisekiso sendlu ukuba ndiqesha indlu?[FLT:] A: Ewe, ukuba umninindlu uyavuma ukuba nenxaxheba kwinkqubo kwaye iyunithi idlulisa umgangatho wezindlu (HQS). Ukuba sele uhlala kwiyunithi, ungacela umnini-khaya ukuba afake isicelo sokuba ngumniki-zindlu kwinkqubo.

Q: Kuthekani ukuba ndinexesha lokugxothwa okanye irekhodi yolwaphulo-mthetho?[FLT:] A: Inkqubo nganye inemithetho yayo. Iinkqubo ezininzi zasekuhlaleni zinemigaqo eqwalasela imeko kunye nobungqingqwa bexesha eligqithileyo. Ezinye izinto zicwangciswe “amathemba esibini,” ngokukodwa kwizenzo ezincinci. Kufanelekile ukusebenza nokunyaniseka. Igunya lezindlu liza kuhlola imvelaphi yakho njengenxalenye yenkqubo yobuncutshe kodwa linokukwazi ukusebenzisa imilinganiselo yalo.

Q: Ingaba zikhona iinkqubo zasekuhlaleni zabantu abangengobemi base-U.S.
A: Eminye inkqubo imfuno yemijelo ifuna ubumi, kodwa eminye ayinjalo. Iiintsapho ezixutyiweyo (apho amanye amalungu angabemi kwaye amanye angenjalo) zingalufanelekela uncedo olukhutshiweyo. Indlela engcono kukuqhagamshelana ngqo nombutho nokubuza ngemithetho esebenzayo yezo ntlobo-matyala.

Isiphelo: Thabatha Amanyathelo Uze Ukhusele Ikhaya Lakho

Iinkqubo zikarhulumente wasekuhlaleni azingomnatha wokhuseleko kuphela, ziluncedo ekufumaneni izinzipho zezindlu nokuhamba phezulu. Isitshixo kukusondela kuzo ngesixhobo esifanelekileyo: uphando olucokisekileyo, sebenzisa amaxwebhu akho kusengaphambili, kwaye uhlale uxakekile kwimiqobo yokulinda. Okunye, uphando lwakho ngokunxulumana nabacebisi bezindlu zasekuhlaleni kunye nophando olunxulumene nolawulo olufana nolawulo lwelizwe loluntu kunye nelottery.

Ingxaki yezindlu ezifikelelekayo ayizukuconjululwa ngobusuku obubodwa, kodwa kanye ngoku, kwisixeko sakho okanye kwingingqi yakho, kukho iinkqubo ezinegama lakho kuzo, "ukuba uyazi ukuba ungakhangela phi kwaye ungayisebenzisa njani."Qalisa namhlanje ngokuchaza igunya lezindlu lasekuhlaleni, ngokutyikitya isiqinisekiso se-odoli, nokulungiselela isicelo sakho. Indlu ekwaziyo ukufumaneka ayilophupha nje; ngoovimba basekuhlaleni, inokuba yinto yokwenene.