Kungani ukukhishwa endlini kusakhokha i-mortgage?

Ikusasa lemakethe yezindlu (2021)

Kusukela ngoMashi 2020, i-Connecticut Fair Housing Center yayithumela nsuku zonke (bese kuba masonto onke, bese kuba nyanga zonke) izibuyekezo kubaholi baseConnecticut nozakwethu ezindabeni ezithinta amakhasimende ethu. Sifaka izinsiza zokuthi zingasingathwa kanjani lezo zinkinga. Yize eminye imiphumela yalolu bhubhane isinyamalele, izidingo zamakhasimende ethu azikanyamalala. Njengoba ubona ngezansi, abaqashi basengcupheni yokulahlekelwa izindlu zabo, njengoba nosizo abalutholayo luyoma. Sicela usize Isikhungo nabasizi baso bamele izinguquko ezisiza abaqashi abahola kancane bahlale ezindlini zabo.

– AmaKhomishana Okuqasha Okufanelekile imikhandlu yamadolobha amavolontiya anamandla (1) okumisa ukukhushulwa kwerenti eqashiwe futhi alehlise libe sezingeni elifanelekile, (2) isigaba sokukhushulwa kwerenti, noma (3) ukubambezela ukwenyuswa kwerenti kuze kube yilapho ukwephulwa kwekhodi yezindlu kulungisiwe.

– Umthetho weKhomishana Yokuqasha Okuhle usuneminyaka engaphezu kwengama-50 ukhona. Cishe amadolobhakazi namadolobhakazi ase-Connecticut anamakhomishana okuqasha ama-Fair, adinga inani eliphansi, kodwa amadolobha afana ne-Waterbury, i-Middletown, i-New London, i-Meriden ne-Norwich namanje ayinawo.

Ingabe kufanele ikhokhwe irenti noma cha? Uhulumeni, igciwane elibeka abaqashi

Izishayamthetho nabanye abahlaziyi abalindele ukuthi uMbusi uCuomo asekele lesi siphakamiso somthetho, njengoba engazange azisekele iziphakamiso zomthetho ezifanayo ezifuna kuhoxiswe izinkokhelo zerenti eNew York. Lo mthetho ohlongozwayo uwuphawu lweminye imithetho ehlongozwayo kwezinye izindawo, futhi kungenzeka ukuthi sizoqhubeka nokubona iziphakamiso ezifanayo phakathi nalolu bhubhane. Asethembe ukuthi izikhulu zethu esizikhethile zizocubungula kahle umthelela lezi ziphakamiso ezizoba nawo kuwo wonke amaqembu, okuhlanganisa abanikazi bezindlu, ababolekisi, namaqembu ngaphandle kwabaqashi. Njengoba abahlaziyi abaningi bephikise, kungase kube ukuhlakanipha ukwelula uxhaso kubaqashi ngokuqondile ngendlela yekhefu lentela, izinzuzo zokungasebenzi, noma izinkokhelo eziqondile, kunokucela imboni yezindlu nezindlu ukuthi ithwale lo mthwalo ngokungafanele.

kukhuliswe futhi! ukubekezela kwemali mboleko + ukudliwa

WASHINGTON - I-Federal Housing Administration (FHA) yamemezela ngoJulayi 30, 2021 ukwelulwa kokumisa kwayo ukukhishwa kwabantu ezindaweni zabo okubolekwayo nalabo abahlala khona kuze kube uSepthemba 30, 2021, iphawula ukuphela kwesikhathi sokumiswa kokukhishwa kwabantu ezindlini ngoJulayi 31, 2021. Lesi sandiso siyingxenye yesimemezelo sikaMongameli u-Biden sikaJulayi 29 sokuthi izinhlangano zikahulumeni zizosebenzisa igunya lazo ukwelula ukunqunywa kokuxoshwa kwazo ekupheleni kukaSepthemba, kunikeze isivikelo esiqhubekayo emindenini ehlala ezindaweni zomndeni owodwa ezinomshuwalense kahulumeni wobumbano. Ukunwetshwa kwesimiso sokuxoshwa kwe-FHA kuzovimbela ukuxoshwa kwababoleki abadaliwe kanye nabanye abahlali abadinga isikhathi esengeziwe sokufinyelela izinketho zezindlu ezifanele ngemva kokudliwa.

"Kumele siqhubeke nokwenza konke okusemandleni ethu ukuqinisekisa ukuthi labo ababoleka imali abathintwe yilolu bhubhane banesikhathi nezinsiza zokuvikela izindlu eziphephile nezizinzile, kungaba ezindlini zabo zamanje noma ngokuthola ezinye izindlela zokuhlala," kusho uNobhala Oyinhloko Ongumsizi Wenhlangano. Izindawo zokuhlala e- Lopa P. Kolluri. "Asifuni ukubona noma yimuphi umuntu noma umndeni ususwa ngokungafanele njengoba uzama ukululama kulolu bhubhane."

Ukuthi inkinga yokuxoshwa ingaba kanjani inkinga yezezimali

Ngaphezu kwemiphumela emangalisayo yezempilo yomphakathi yobhubhane lwe-coronavirus, ukuwa komnotho kushiye abantu abaningi e-United States ngokuzumayo bebhekene nokulahlekelwa okukhulu noma okuphelele kwemali engenayo. Lokhu kwaholela ezingeni elibi kakhulu lokungavikeleki kwezindlu kubo bobabili abaqashi nabanikazi bezindlu, abaningi babo ababekhathazeke ngokuthi bangakwazi ukuqhubeka nokukhokha irenti yabo noma imali yendlu. Ephendula, uhulumeni wobumbano washaya umthetho we-American Aid, Relief, and Economic Security (CARES) Act, onikeze abantu abaningi usizo lwemali oluqondile, kanye nokwandisa ukufinyelela ezinzuzweni zokungasebenzi. Umthetho we-CARES kanye nomlandeli wawo, uMthetho Wokwabiwa Okuhlanganisiwe ka-2021 (CAA), kanye nezinhlobonhlobo zezinhlelo nezinqubomgomo zikahulumeni wesifunda nowasekhaya, kuphinde kube nokuvikelwa kwabaqashi nabanikazi bezindlu ngokuvimbela ukukhishwa kwabantu ezindaweni eziningi futhi kudinga usizo. izidingo.

NgoSepthemba 1, 2020, iCenters for Disease Control (CDC) yakhipha umyalo wokusungula isimemezelo sokuxoshwa ezweni lonke kwabaqashi abafanelekile. Abantu abahola u-$99.000 noma ngaphansi noma imibhangqwana ehola u-$198.000 noma ngaphansi bayafaneleka. Abaqashi nabo bebefaneleka ukuthola lesi sinyathelo uma bethola isheke le-stimulus lango-2020. Umyalo we-CDC nawo wawusebenza ekukhishweni ezindlini zomphakathi. Kodwa-ke, lo myalelo awuzange umkhulule isiqashi esibophweni sokukhokha irenti ngemva kokuphelelwa yisikhathi kwesimo, kuhlanganise nerenti eyayifuneka ngesikhathi sokumiswa. Leli oda laphela ngo-Agasti 26, 2021.