Nyumba Yowaka ndi Olemala

Ngati muli ndi chilema, kufufuza nyumba kungakhale kovuta. Mungathe kukhala ndi nyumba yomwe ili ndi mapadera, zomwe zikutanthauza kuti simukufuna kutaya nthawi yowerengera mndandanda kapena kuyendera nyumba zomwe sizikugwirizana ndi ndalamazo.

Komanso, lamulo la federal limateteza osaka nyumba ndi olumala, choncho ndikofunikira kuti mudziwe bwino ufulu wanu musanayambe kuyang'ana nyumba.

Nazi mfundo zina zothandiza kuti mudziwe ngati mukusakasaka ndi olumala:

• 01 ya 06

  Kumvetsetsa Mtundu Wotuwala Womwe Uyenera Kutetezedwa

  Olemala amayeneredwa kuti atetezedwe pansi pa lamulo la federal ngati atapeza tanthauzo la Fair Housing Act (FHA).

  Tsatanetsatane ikhoza kukhala yowonjezera kapena yopapatiza kusiyana ndi momwe mukuganizira, ndipo ndizofunika kudziwa ngati muli ndi ufulu wolandira ufulu pansi pa FHA.

  Ngati mumakhulupirira kuti inu kapena mnzanu wokhala naye ali ndilemala, fufuzani momwe mungadziwire ngati izo zikuyenerera .

• 02 a 06

  Khalani Odziwika ndi Otsatira Azinyumba a Olemala

  FHA ikufuna kutsimikizira kuti mwini nyumbayo amakuchitirani chimodzimodzi mosasamala kanthu kuti muli ndi kulemala. Mwanjira iyi, mukhoza kusangalala ndi nyumba yanu - ndikumapeza bwino - monga aliyense.

  Pali zinthu zina zomwe mwini nyumba ayenera kuchita komanso asamachite pansi pa FHA pankhani yothetsera oyembekezera omwe ali ndi chilema.

• 03 a 06

  Phunzirani momwe mungapezere zipinda zogwiritsidwa ntchito bwino

  Osati mlendo aliyense wa nyumba ndi kufooka kwa thupi amafuna zofikira.

  Koma ngati muli mmodzi wa anthu osuta m'nyumba omwe akufunikira kupeza malo ogwiritsidwa ntchito, pali zinthu zambiri za pa Intaneti zomwe zimayesetsa kukuthandizani kufufuza bwino.

  Fufuzani momwe mungagwiritsire ntchito zinthuzi kuti muthandizidwe ndi kupewa kupezeka nthawi ndi nyumba zomwe sizikugwirizana ndi zosowa zanu.

• 04 ya 06

  Pezani Zopempha Zokwanira Zovomerezeka Zowonjezera

  FHA imafuna kuti eni eni nyumba apereke malo ogwiritsira ntchito malo ogwiritsira ntchito omwe ali osowa. Mwachitsanzo, mungafunikire kusunga galu wotsogola m'nyumba yanu ngakhale mutakhala ndi abambo omwe simukukhala nawo pakhomo, kapena mungafunike kupeza malo omwe mumakhala nawo pa njinga za olumala, ngakhale kuti malamulo amaletsa magetsi ochokera kumadera amenewo.

  Ngati muli ndi chidwi ndi nyumba ndipo muyenera kupempha malo ogona, ndizo zomwe muyenera kudziwa .

• 05 ya 06

  Penyani Zochita Zoletsedwa

  Alenje a nyumba omwe ali ndi chilema ayenera kusamala ndi "kuyendetsa." Kusankhana kwapadera kochepa, kuyendetsa kumachitika pamene mwini nyumba akuyesera kuchepetsa zosankha za munthu pomutsogolera kapena kumulimbikitsa kuti ayang'ane kwina chifukwa chakuti ali ndi chilema (kapena ali membala wa gulu lina lotetezedwa ).

  Mwachitsanzo, mwini nyumba angasankhe mwachisawawa kuti aike anthu onse ogwiritsa ntchito njinga za olumala mu nyumba imodzi, zomwe zikutanthawuza kuti msodzi aliyense wogwiritsa ntchito njinga ya olumala sangaphunzire za malo ogona m'nyumba zonse.

  Phunzirani momwe mungadziwire ndikupewa kuyendetsa bwalo lamilandu panthawi yofufuza kwanu.

• 06 ya 06

  Ganizirani Kupanga Chikumbumtima Chachilungamo cha Nyumba

  Ngati mumagwiritsa ntchito malingaliro ndi malingaliro anu m'mwamba mukamagwiritsa ntchito kufufuza kwanu ndikukhulupilira kuti mwini nyumba, broker, kapena akatswiri ena ogulitsa nyumba, akusankhirani chifukwa cha kulemala kwanu, mukhoza kulingalira kuti mukutsatira malingaliro abwino a nyumbayo. .

  FHA ikukuthandizani kuti mupitirize kudandaula mwa kudandaula ndi Dipatimenti ya Maofesi ndi Zamakono a US ku America (HUD), yomwe imapulumutsa nthawi ndi ndalama komanso kufunika kokhala woweruza mlandu.

  Ngati mwasankha kufotokozera, apa pali masitepe omwe mukufuna kuti mutenge .