Kufanirwa kweMatunhu Edzimba

Kana iwe uri mukuru uye unotarisa kuti ugare mune imwe nzvimbo yeimba yevamwe nevamwe vakwegura, zvichida wakamboudzwa kuti unofanira kutarisa "imba huru". Izvozvo zvingaita sezvinonzwisisika, asi iwe ungangodaro unetseka chaizvo kuti zvinorevei uye kuti inguva ipi yaunofanira kuva nayo kuti uwane.

Imba yepamusoro ine zvinorehwa nemutemo, uye zvinobatsira kunzwisisa kuti ndeyei zvose zvekuti iwe unogona kutanga kutsvaga kweimba yako nechivimbo.

Ndezvipi Matongerwo Emakore?

Imba yepamusoro inoreva imba iyo isingabhadharwi neHorld Housing Act 's (FHA) kurambidzwa kwehukama hwemhuri kusarura nokuti inopa vanhu pane imwe nguva uye neimwe nzira (sezvakanyorwa neFHA uye Housing for Older Persons Act ( HOPA)):

1. 62 uye kupfuura. Vose vanogara vane 62 kana kupfuura.
2. 55 uye kupfuura. Munhu mumwe chete ane makore 55 kana kupfuura anorarama huwandu hunenge makumi mapfumbamwe nezana makumi matatu (80%) dzezvikwata zvakapiwa uye vanhu vanoteerera purogiramu inoratidza chinangwa chekuvaka vanhu vane makore 55 kana kupfuura.
3. Purogiramu yehurumende. HUD yakaronga kuti imba yacho yakanyatsorongedzerwa uye inotorwa nevanhu vakwegura pasi pehurumende, hurumende kana hurumende yehurumende.

Kazhinji, muridzi weimba haagoni kukamba kubhadhara kune vashandi vanobva " mumhuri ," kana kuti vane vana kana vana vanopfuura pasi 18 vanogara mumba. Asi kana chikwata chekugara chichikwanisa kubhadhara mukuru, muridzi weimba anokwanisa kusarura zviri pamutemo kumhuri ine vana .

Usavhiringidza imba yepamusoro nehupenyu huripo. Nzvimbo inobatsira yekugarisa inogona kukodzera kuva dzimba dzepamusoro, asi dzimba dzepamusoro hazvifaniri kupa humwe hutano hwakagadzirirwa kubatsira vanhu vane hurema hwepanyama. (Muna 1995, HOPA yakabvisa chikamu chekutanga chekuregererwa kwema 55 nekwekare kuti zvivakwa zvinopa "mabasa anokosha uye zvivako zvakanyatsogadzirirwa kusangana nezvinodiwa zvepanyama uye zvekugarisana nevanhu vakwegura.")

(Kana iwe uchida mamwe mabasa anokosha, iva nechokwadi chokuti unotarisa dzimba dzinovapa.) Pasinei nokuti iwe unogara kupi, ziva kuti vatengesi vanodiwa kuti vagadzire nzvimbo dzakakodzera uye kugadziriswa kwaunokumbira maererano neukuremara .)

Ndiani Anofanirwa Nekuvakwa Kwematunhu?

Nokuti imba yepamusoro inenge yezera, iwe kazhinji unofanirwa kuva nemakore mashoma kuti ugare mune imwe nzvimbo yepamusoro yeimba. Asi pano pane dzimwe pfungwa dzinokosha dzaunofanira kugara uchifunga:

Iwe Zvichida Haudi Kuti Uve Sekare Sezvaunofunga.

Izvi ndezvekuti:

• Rudzikinuro ruduku kune vose vane makore 55 kana kupfuura.
• Iwe unogona chaizvo kuva muduku kudarika 55 kurarama munharaunda ye-55 neyekare, chero bedzi mumwe wako kana mumwe munhu mumba mako ane makore makumi mashanu nemashanu.
• Kana iwe uri muduku kudarika 55, imwe ingangodaro ndeyekuti urarame muchikamu che20% chisina kugadziriswa (zvino chinogona kushanduka kuti iwe uri we80% apo iwe kana mumwe munhu mumba mako anotendeukira 55).

62-uye-Imba Yekare Yakasimba.

Kana uri kutarisa "makumi matanhatu nematanhatu" zvivako, ipapo iwe nevamwe vose vari mumba mako munofanira kunge mune makore makumi matanhatu nematanhatu. (Cherechedza, zvisinei, kuti mubatsiri wehupenyu, mushandi, mukoti, kana mumwe mupi wehutano haafaniri kusangana nezera iri rinodiwa.)

Tarisira Kutaridza Zviratidzo Zvezera Rako.

Paunenge uchitsvaga imba yepamusoro, iwe uchada kuratidzira uchapupu hwezera rako pane chiremba chekuberekwa, chireisheni chekufambisa, pasipoti, kadhi yekutamira kune dzimwe nyika, chiziviso chehondo, kana mamwe maitiro akagamuchirwa, emunharaunda, munyika kana pasi rose. Kana, nokuda kwechimwe chikonzero, haugoni kuburitsa dhiyabhorosi yekudzivirira inobvumirana, Dhipatimendi reUnited States reZvako neUkuRwanda Development (HUD) rakataura kuti kuzvipa-chidziro muchikwereti, chekuita chivimbiso, kana chimwe chigwaro chakasimbiswa nemunhu mukuru weimba yako achitaura kuti kana munhu mumwe chete ari mumba mako anenge makore makumi mashanu nemashanu anogamuchirwa. Tarisira kutaridzika kwezera kamwechete kamwe chete makore maviri.

Varidzi venyika vanogona kuumba Dhiyabhorosi zvinyorwa zveZvino Zvidzidzo.

Pasina kuputsa chero mutemo upi noupi, muridzi weimba ane rusununguko rwekugadzira shanduro dzakasimba dzezvikwereti izvi.

Somuenzaniso, muridzi weimba anogona kutora kuti makumi mapfumbamwe emapfumbamwe emazana anofanira kugara nemunhu mumwe chete anenge 60 kana kupfuura (pane 55), kuti zvivako zvezana (panzvimbo ye80%) zvinotorwa nomunhu mumwechete 55 kana kupfuura, kana kuti mapfumbamwe makumi mapfumbamwe nezana (80%) edzimba inogona kubatanidzwa chete nevanhu vane makore 55 kana kupfuura (panzvimbo yevamwe nhengo yemhuri iyo yezera). Kana hupfumi hwako huchidzivisa hutsananguro hunoenderana nezera, muridzi weimba anowedzera mitemo iyi inogona kuenderera mberi nemutemo wehurumende.

Varidzi venyika Vanogona Kupa Mitemo Yakasiyana-siyana Nemhuri Nevana.

Kana nharaunda inosangana nehurukuro ye-55 neyekare, muridzi weimba angave achisarudza kushanyira mhuri dzine vana, kuzadza zvipo panguva yemusika wakaoma, somuenzaniso. Vatongi venyika vakadaro vanogona, zvisinei, vachiri kusarura zviri pamutemo pamhuri kana zvasvika pamagariro nemamiriro ekubhadhara kwavo. Semuenzaniso, muridzi weimba angaramba mhuri nevana zvimwe zvikwereti zvemuzinda weimba (chero bedzi muridzi weimba asingaputsirani mitemo yehurumende kana yega). Cherechedza kuti vashandi venyika vanofanira kuramba vachienderana neFHA kurambidzwa kusarura kunoenderana nemamwe mapoka edziviriro emitemo , kusanganisira rudzi, mararamiro, chitendero, nyika, zvepabonde, nekuremara.