Zimene Muyenera Kuyembekezera Ngati Mukutsatira Njirayi
Ngati ndinu wamkulu komanso woyang'anira kuti mukhale ndi anthu ena okalamba, mwinamwake mwauzidwa kuti muyenera kuyang'ana "nyumba zapamwamba." Izi zikhoza kumveka zomveka, koma mwina mukuganiza kuti zikutanthauzanji ndi zaka zingati kuti muyenerere.
Nyumba zapamwamba zili ndi tanthauzo lenileni la malamulo, ndipo ndizothandiza kumvetsetsa zonse zomwe mungachite kuti muyambe kufufuza kwanu ndi chidaliro.
Kodi Nyumba Zamakono Ndi Ziti?
Nyumba zapamwamba zimatanthawuza nyumba zomwe sizikuchotsedwa ku Fair Housing Act (s) (FHA) chifukwa choletsedwa ndi mabanja chifukwa zimapangitsa anthu kupitirira zaka zingapo komanso m'njira zina (monga zovomerezedwa ndi FHA ndi Housing for Older Persons Act ( HOPA)):
- 62 ndi kupitilira. Onse ogwira ntchito ali 62 kapena kuposa.
- 55 ndi kupitilira. Munthu mmodzi yemwe ali ndi zaka 55 kapena kupitirira amakhala m'magulu osachepera makumi asanu ndi atatu (80%) ndipo ammudzi akutsatira ndondomeko yomwe ikuwonetsera cholinga cha anthu omwe ali ndi zaka 55 kapena kuposa.
- Pulogalamu ya boma. HUD yatsimikiza kuti malowa amakhala okonzedweratu ndi okalamba pansi pa pulogalamu ya boma, boma kapena boma.
Kawirikawiri, mwininyumba sangakane kubwereka kwa anthu ogwira ntchito chifukwa cha " banja lawo ," kapena kuti ali ndi ana amodzi osakwana zaka 18 omwe amakhala m'nyumba. Koma ngati malo ogona akuyeneredwa kuti apereke ufulu wochuluka, mwini nyumbayo amatha kusankha mosamala mabanja ndi ana .
Musasokoneze nyumba zapamwamba ndi moyo wothandizira. Malo othandizira anthu omwe akukhala nawo angakhale oyenerera kukhala nyumba zapamwamba, koma nyumba zapamwamba siziyenera kupereka misonkhano yapadera yokonzera anthu olemala. (Mu 1995, HOPA inathetsa chiyeso choyambirira cha 55 ndi chakale kuti nyumba zimapereka "ntchito zazikulu ndi malo omwe makamaka akukonzekera kuti akwaniritse zosowa za anthu okalamba.")
(Ngati mukusowa ntchito zinazake zapadera, onetsetsani kuti mukuyang'ana nyumba zomwe zimapatsa iwo. Kaya mumakhala kuti, dziwani kuti eni eni nyumba akuyenera kupanga malo ogona komanso zosintha zomwe mukupempha kuti mukhale nazo paulumala .)
Ndani Amayeserera Nyumba Zapamwamba?
Chifukwa chakuti nyumba zapamwamba zakhala za msinkhu, nthawi zambiri muyenera kukhala ndi zaka zingapo kuti mukhale ndi anthu akuluakulu. Koma apa pali mfundo zofunika zomwe muyenera kukumbukira:
Mwinamwake Simusowa Kukhala Okalamba Pamene Mukuganiza.
Izi ndichifukwa:
- Chingwe chochepa kwambiri kwa anthu omwe ali ndi zaka 55 kapena kuposa.
- Mukhoza kukhala osakwana 55 kuti mukakhale ndi anthu 55 ndi akulu, malinga ngati mnzanu kapena munthu wina m'banja lanu ali ndi zaka 55.
- Ngati muli ndi zaka zoposa 55, mwina mungakhale ndi gawo la 20% lomwe liribe chiletso (ndiye kuti mungasinthe kuti mukhale 80% pamene inu kapena munthu wina m'banja mwanu mumasintha 55).
Nyumba Zaka 62 ndi Zakale Zimakhala Zovuta.
Ngati mukuganizira "nyumba 62 ndi zoposa" nyumba, ndiye kuti inu ndi anthu ena onse m'banja mwanu muli ndi zaka 62. (Zindikirani, komabe, kuti wothandizira, wothandizira, namwino, kapena wothandizira wina wathanzi sakufunika kukwaniritsa zaka izi zofunika.)
Yembekezani Kusonyeza Umboni Wanga.
Mukapempha kuti mudziwe nyumba zapamwamba, muyenera kusonyeza umboni wa zaka zanu pa kalata yobereka, layisensi yoyendetsa galimoto, pasipoti, khadi loyendetsa alendo, chizindikiritso cha usilikali, kapena zovomerezeka za boma, zapanyumba, zadziko kapena zapadziko lonse. Ngati, pazifukwa zina, simungathe kulembetsa chidziwitso chovomerezeka, Dipatimenti ya Maofesi a Zanyumba ndi Maziko a Mzinda wa US (HUD) yanena kuti chidziwitso chokhazikika pamsonkhanowu, chikalata chovomerezeka, kapena chilemba china cholembedwa ndi munthu wamkulu a m'banja mwanu akutsimikizira kuti osachepera mmodzi m'nyumba yanu ali ndi zaka 55 amavomereza. Yembekezera kutsimikizira zaka zingapo kamodzi pa zaka ziwiri.
Ogulitsa nyumba angapangitse mazenera okhwima a Zitsanzo izi.
Popanda kuphwanya lamulo linalake, mwini nyumba amakhala ndi ufulu kuti apange zovuta zowonongeka.
Mwachitsanzo, mwini nyumba angapange kuti nyumba zokwana 80% zikhale ndi munthu mmodzi yemwe ali ndi zaka 60 kapena kuposa (m'malo mwa 55), nyumba zogona 100% (mmalo mwa 80%) zimakhala ndi munthu mmodzi 55 kapena kuposerapo, kapena kuti 80 peresenti ya nyumba zogwiritsidwa ntchito ndi anthu omwe ali ndi zaka 55 kapena kuposera (m'malo mwa osachepera amodzi omwe ali ndi zaka zimenezo). Ngati dziko lanu likuletsa kumenyana chifukwa cha msinkhu, mwini nyumba amene akuwonjezera malamulowa akhoza kutaya malamulo a boma.
Mabwana angapereke malingaliro osiyanasiyana kwa mabanja ndi ana.
Ngati ammudzi akukumana ndi chikhululukiro cha 55 ndi chakale, mwini nyumbayo angasankhe kubwereka kwa mabanja omwe ali ndi ana, kuti azidzaza malo panthawi yovuta msika. Koma eni nyumbawo angakhale osamvana mwalamulo potsata malonda awo. Mwachitsanzo, mwininyumba angatsutse mabanja ndi ana ena phindu la nyumbayo (malinga ngati mwini nyumba sakuphwanya malamulo ena a boma kapena amderalo). Dziwani kuti eni nyumba akuyenerabe kutsata kuletsedwa kwa FHA chifukwa cha tsankho chifukwa cha malamulo ena otetezedwa ndi malamulo , kuphatikizapo mtundu, mtundu, chipembedzo, chiyambi cha dziko, kugonana, ndi kulemala.