Iinkqubo Zokukunceda Uthengise Ikhaya Lakho
Ukuba uphupha lokuba nekhaya lakho, ungayeki. Kukho iinkqubo ezininzi zokuthengwa kwekhaya elilodwa lomzali onokukunceda nayo yonke into ekufumaneni izindlu ezifikelelekayo ukuze ufaneleke ukuthenga imali. Qalisa ngokufikelela ezi zinto zilandelayo kwimibutho yaseburhulumenteni kunye noluntu ekusebenziseni ukunceda iintsapho ezingabodwa zithenga amakhaya abo.
I-5 yoLuntu oluKhaya lokuThengisa iiNkqubo zoThumo
01 Qhagamshelana neGunya leZindlu zoLuntu
Ngaphambi kokuba ukhangele iinkqubo zokubuyisela ekhaya, khangela ukuba zeziphi iinkqubo zokuhlala ekhaya ezifumanekayo kuwe kwilizwe lakho. Ukwenza oku, udinga ukutyelela iWebhsayithi yegunya lwakhiwo lwakhiwo lendawo, ongayifumana kwiMibutho yoLawulo lweZindlu zoLuntu.
02 Ukudibanisa noMcebisi weZindlu ezixhaswe yi-HUD (iiNdlu kunye noPhuhliso lweMihlaba)
I-HUD imele iSebe leZindlu lezeMelika kunye noPhuhliso lweMihlaba. I-ofisi yakho ye-HUD yangaphakathi inemithombo enokukunceda, kwaye enye yezo zibonelelo yithuba lokusebenza nomcebisi oqeqeshiwe ukuqeqeshwa ukufumana ukhetho lwezindlu kwindawo yakho. Umcebisi wezindlu ze-HUD angaphendula imibuzo yakho malunga nenkqubo yokuthenga ikhaya, ukufumana imali yokuthenga imali kunye nokunye. Kwakhona unokukwazi ukunitshela ngeenkqubo ezahlukeneyo zokuthengwa kwekhaya kwindawo yakho, kubandakanywa iinkqubo ezincinci ezaziwayo onokuthi ungayiva ngazo.
03 Cinga ukuthenga ikhaya nge-Housing and Urban Development (HUD)
Enye indlela yokuthenga ikhaya ngqo nangona iSebe leZindlu kunye nophuhliso loMmandla. I-HUD ithengisa iipropati kuwo onke amazwe ase-US Unokufunda okungakumbi malunga ne-HUD iimpahla ngokutyelela kwiwebhusayithi ye-HUD kwaye ufuna amakhaya athengiswayo kwintlalo yakho. Kodwa qaphela ukuba ezinye zeepropati ezifumaneka kwi-HUD zinokuba ziindawo ezincinci ezinqwenelekayo, ngoko qiniseka ukuba wenze umsebenzi wesikolo uze ufunde indawo ngaphambi kokuba wenze utyalo-mali.
04 Faka isicelo seNdlu yokuHlala kweNdlu
I-Habitat for Humanity yakha amakhaya eentsapho ezidinga, kwaye enye yezona nkampani ezaziwa kakhulu ezibonelela ngokufanelekileyo, inkxaso yenkxaso kubazali abangabodwa. Ukuba ufuna ukudibaniswa uluhlu lwabo njengomnini wezindlu, qalisa ngokuqhelanisa neendlela ezizisebenzisayo zokukhetha abanikazi bezindlu. Ngethuba lokukhethwa kuthiwa, iNdawo yokuHlaliswa koBuntu ibona:
- Isidingo somntu owenza isicelo sekhaya
- Ukuzimisela komntu ukusebenzisana neHabitat
- Amandla omntu wokubuyiselwa kwemboleko engenamdla
Abazali abangabodwa abanqwenela ukuthatha inxaxheba kufuneka balindele ukuba babandakanyeke kakhulu kwinkqubo yokwakha ikhaya. Oko kuthetha ukuphuma kwintsimbi yakho kunye neebhanti zesixhobo kwaye uhlawule shishini! Kodwa ungakuvumeli oko kukusongelayo. I-Habitat for Humanity inikezela ngoqeqesho, kwaye ithuba lokusebenza kwikhaya elakhelwe wena kuphela liza kwenza utyalo-mali lube luncedo. Ukufaka isicelo sokuqwalasela, qha ga mshelana neHatat for Humanity ngqo.
05 Thenga i-Ikhaya kunye ne-Akhawunti yokuPhuhlisa i-Akhawunti (IDA)
I-Akhawunti yokuPhuhlisa i-akhawunti yinto elandelelweyo yokugcinwa kwe-akhawunti, ngokuqhelekileyo isetyenziswe yintlangano yoluntu, ngenjongo yokunceda iintsapho ezifumanekayo ezincinci zigcina imali ekuthengeni indlu, iindleko zemfundo, okanye ukuxhasa imali shishini elincinci. Kwezinye iimeko, imibutho enika ii-IDA iya kufana ne-dollar yakho yokonga imali. Unokufumana ukuba yimiphi imibutho kwindawo yakho inika ii-IDA kwiCandelo loPhuhliso loQoqosho. Qinisekisa ukuba ugqibe ingqalelo yokushicilela okulungileyo, nangona kunjalo kunokuba kunokuba kunokuthintela ukuba ungayigcina kangakanani, apho uthenge khona ikhaya, okanye nini.