Kudzivirirwa Makirasi Pasi pe Federal Federal Housing Act

Muna 1968, US Congress yakapa Mutemo weHurumende yeHurumende, iyo yakarambidza rusarura kubva mumapoka mashanu makuru: rudzi, ruvara, chitendero, zvepabonde, kana nyika yakabva. Aya kodzero dzevanhu uye mitemo yeUnited States yokurwisana nekusarura inonyanya kusimbisa kodzero dzepamutemo dzevhoti uye kurambidzwa kwechisarura pakati pezvikoro, nzvimbo dzebasa, uye zvivako zvepaguru sevahotera, nzvimbo dzekudyara, mafirimu, uye mabhizimisi ezvitoro.

Pakati pezvakagadzirwa zvaiva chikamu chinonzi Title VIII, chinonyatsozivikanwa se Fair Fair Act (FHA). I-FHA yakagadzirirwa kuchengetedza vanhu kurudzi rupi nerusarura pavanoshanyira dzimba, kutenga imba, kana kuwana mari yekukweretesa kwemusha.

Kudzivirirwa Makirasi

Thomas Reuters Practical Law rinotsanangura kirasi yakachengetedzwa seboka revanhu vane chimiro chavanozivikanwa avo vanochengetedzwa zviri pamutemo kubva pakusarudzwa kwebasa maererano neshoko iroro. Zvidzidzo zvakachengetedzwa zvinosimbiswa nehurumende nehurumende mutemo.

Iko yepakutanga FHA yaiva nemashanu chete akadzivirira makirasi-mararamiro, mararamiro, chitendero, zvepabonde, uye nyika yakabva. Chigadziriswa muna 1988, zvisinei, chakawedzera hutano uye hukama hwemhuri kune zvidzidzo zvakachengetedzwa. Pakati peFHA, hurumende yehurumende ikozvino inotsanangura zvinomwe "makirasi akadzivirirwa" kune marudzi ekusarurwa akamborambidzwa:

FHA Kusarura

Hunhu hwehupenyu hunotsanangurwa nekirasi hahukwanisi kuva chikonzero chekusarurwa nevatengi venyika, vatengesi vemisha, kana vatengi. Zvakakosha kuziva kuti kuva nemhosva yekusarura kwakadaro, inofanira kuratidzirwa kuti chimwe chezvinhu izvi chikonzero chekusarura.

Iko yepakutanga FHA haina kurambidza marudzi ese ekusarura. Zvinogoneka, somuenzaniso, kune mwene weimba kuti asarudze pamusana pekuwana mari, uye hapana muFHA inoita kuti kusarura kwakadaro kusabvumirwe.

Zvimwe zvehurumende uye dzinharaunda, zvisinei, zvingagadzirisa mitemo yavo pachayo inowedzera mukudzivirirwa kweFHA. Kune mimwe mitemo yehurumende inopa humwe huviriro hwakadai sechitendwa, zera, madzitateguru, chimiro chekare, ruzivo rwemazwi, uye uhu.

Mitemo Kusarura Mitemo: Kuchinja uye kuwedzera

Muna 1988, Title VIII yakashandurwa ne Fair Fair Amendments Act, iyo:

Muna 1995, Mutemo weVanhu vekare (HOPA) wakaita kuti zvibvumirwe kuita mamwe maitiro ekusarura kwevanhu vanogara munzvimbo dzinotsanangurwa se 55 uye kupfuura. Mharaunda dzakadaro dzinobvumirwa kuti dzisabhadhara kune mhuri dzisina vagari vemo vanozopinda mumutungamiri mukuru wevanhu. Izvi zvakaitirwa kuchengetedza dzimba dzevanhu vakuru. Zvimwe zvidzidzo zvakachengetedzwa zvichiri kufara nekudzivirirwa kwakafanana mumasangano anokwana 55 uye vakuru kana makumi matanhatu nemakore ekure.

Kusvibiswa Kwekodzero

Kana iwe uchifunga kuti kodzero dzako pasi peFHA dzakaputsika, tora kopi yeFomu Rokunyunyuta Kwekugara uye ugozadza paIndaneti. Iwe unogona zvakare kutumira kunyunyuta kuburikidza nekunyorera HUD pedyo newe-kusvikira kune rimwe gore mushure memhosva yekudarika.

Kana iwe wakagadzikana, HUD ichakupa foni yeTTY isina purogiramu yekutadza kunzwa: 1-800-927-9275 . Kunewo vaturikiri, matepi uye mabhuku e braille, uye rubatsiro mukuverenga nekuzadza mafomu.

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