Inkcazo: Ukuhlengahlengiswa kukuchasene nomthetho, kodwa loo nto ayimvumeli ukuhlukumeza. Ingumzekelo wokubandlulula kwi-real estate, ngokubandakanya ababolekisi abanqaba ukuboleka imali okanye ukwandisa ikhredithi kubbolekayo kwiindawo ezithile zedolophu. Ezi ndawo zihlala zihlala ngabantu abahluphekileyo okanye abantu bombala okanye zombini. Kuchasene nomthetho wokubandlulula ababolekayo ngokusekelwe kubuhlanga okanye umbala, phakathi kwezinye izinto.
Ukuhlenga kwakhona kwaziwa ngokuba yinto yokuba ababolekisi babeza kutsala umgca obomvu malunga nommandla kwimephu, ngokuhlala bejolise kwiindawo ezixubileyo zabantu bemibala, baze banqabile ukuboleka kule mimandla kuba babecinga oko kuthiwa "ingozi" phezulu. Nangona ukulungiswa ngoku ngokuchasene nomthetho, ababolekisi abakhulu namhlanje banokugqitywa enkundleni ngenxa yolu qhe lekiso. Unokuzibuza ngokuqinisekileyo ukuba ukulungiswa kwakhona kukuphi into? Kodwa ke uya kuba ngumntu omhlophe.
UMthetho weZindlu zoLungileyo uqulethwe kuMthetho wamaLungelo oLuntu ka-1968 kwaye uguqulelwe nguMthetho weZindlu zoLungiso lweeHlabathi ka-1988. Lo msebenzi ubeka iiklasi ezikhuselekile ezi-7 zabantu abangenakubandlululwa ngokusekelwe kulo:
- Uhlanga
- Umbala
- Unqulo
- Umthombo wesizwe
- Ngesondo
- Ukukhubazeka
- Isimo soBume
Kubaphathiswa be- real estate , ithetha ukuba kuhambisani nomthetho ukuqhubela amaklayenti kwiindawo ezithile, kungakhathaliseki ukuba igosa okanye ngesicelo somntu siqu.
Kuthetha ukuba umthengi uthe, "Ndifuna ukuthenga ikhaya kwindawo yaseHmong," i-arhente ayikwazi ukuqondisa umthengi kummandla owenziwe ngabantu abaphezulu beHmong.
Amagunya kufuneka abonise amakhaya kuzo zonke iindawo. Ndakhe ndisebenza nomthengi othe ngethuba lokutyelela wenza ukuba kucace ukuba wayefuna ukujonga amakhaya asekuhlaleni "amhlophe" kuphela.
Ngaphandle kwento endiyisebenzisayo nabathengi bobuhlanga, andinakusebenza nalo mntu nokuba ndifuna, endingazange ndiyenze. Kukho abameli bezakhiwo ezikhoyo kwili shishini abathi bangakhathali malunga noMthetho weZindlu zoBulungisa , kwaye ukuba umthengi ufuna ukufumana amakhaya asekelwe kwiiklasi ezikhuselekile, baya kubonisa abo bathengi kuba abavumelani neZindlu eziThengileyo.
Akunandaba nokuba i-arhente iyavuma okanye ayivumelani, ukuphula umthetho we-Fair Housing Act kukuchasene nomthetho. I-arhente inokulahlekelwa yilayisenisi ye-estate ye-estate yokuhlala egcina loo mvakalelo. Kodwa ezinye iimbosa zikholelwa ukuba zingaphezu komthetho. Kukho abantu abalungileyo nababi kuzo zonke izakhono.
Iziko lokubolekisa, ngakolunye uhlangothi, ngamanye amaxesha kubonisa ukuziphatha okwenza kubonakale ngathi nabo, bakholelwa ukuba bangaphezu komthetho, njengoko bangakujonga kakuhle izinto zokulungisa. Oku akuthethi ukuba ababolekisi kufuneka banike imali mboleko kubantu abangenalo i-credit. Amabhanki akhululekile ukusetha imigaqo-nkqubo yemali kunye nezikhokelo apho baya kwenza imali .
Kodwa abakwazi ukubandlulula kwaye bayenqaba ukubolekisa abantu abathile abahlala "kwi-ZIPcode" engafanelekanga. Akunakukugqiba nje ukuba ummandla uhla ngenxa yezinga lobuhlwempu kuloo mmandla okanye ulwaphulo-mthetho, umzekelo, kwaye unqabe ukuboleka.
Amabhanki avunyelwe ukuba anqabe ukwenza iimali-mboleko kwiimeko eziyingozi, zithi, indawo apho izikhukhula zihlala khona, ezinokubangela ukulimaza ukhuseleko lwazo mali, nangomkhuhlane womshuwalense . Kodwa ababolekisi abanako ukungafuni ukuboleka ngokusekelwe kwelinye leeklasi ezikhuselekileyo ezi-7.
Akukho mthethweni kwibhanki ukuhlawula inzala ephezulu kwiqela elinye labantu abawela kwiiklasi ezikhuselekileyo kunabo abangenayo inxalenye yalezi zifundo ezikhuselekile. Yingakho xa isicelo sokuthenga imali sibuza ubuhlanga, kusenokuba yingcamango enhle ukuba ungabhalanga ukuhla . Urhulumente wesigqeba uqokelela kwaye uhlalutye ulwazi oluvela kwizicelo zembolekiso ukucacisa inxalenye ukuba ukulungiswa kwakhona kungenzeka.
Amabhanki akakwazi ukuseka iimboleko ezithintela amalungelo abo nawuphi na umntu ngokusekelwe kobuhlanga, umzekelo, kodwa unokuseka izikhokelo zemali-mboleko ezisebenzayo kubo bonke abafaki zicelo, kungakhathaliseki uhlanga, umbala, inkolo, imvelaphi yesizwe, isondo, ukukhubazeka okanye isimo seentsapho.
Oku kusebenza ekuhlaziyweni kwemali-mboleko yemali, imigangatho yokulingana kwemali yekhredithi kunye nemali yokuthenga imali.
Ukulwa Nxamnye noKwahlula
Ukuba uvakalelwa kukuba ulixhoba lokuhlaziya kwaye ufuna ukufakela isikhalazo seZindlu esiThatywayo, ungenza njalo kwi-intanethi kwi-portal.hud.gov.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia .